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Our Government should proactively support the European rail reform …
The Single Market in railways is an important part of why it is so essential for the UK to remain a full member of the European Union. It is not only that we have a good railway system in the UK which comes near the top of the European Commission s regular survey of passenger opinion, but where rail passenger and freight traffic has grow by some 60% since privatisation (I am chairman of the Rail Freight Group). Equally important, our railway supply industry and train operators want to do more business exporting to or operating in other member states, and we have a lot to offer.
Unfortunately, many member states railways are almost closed to companies from other states or retain effective monopolies to preserve their own incumbent operator. Some of this is blatant (French rail operator SNCF has stated that its proposed rail reform is designed to keep out competition and Germans in particular); in Germany, the European Commission has for some time sought infraction proceedings against anti-competitive or illegal practices which disadvantage other operators, and only last week the German Competition Authority (Bundeskartelampt) announced an investigation about why independent passenger operators are prevented from selling tickets through DB station outlets. It is a sad reflection that there are few other independent operators which have not over the years been bought up by incumbents.
Some do well, but there is a serious lack of competition in the sector which, coupled with structures which allow vertical integration (one owner of the track and train operation) competition becomes sometimes very unfair and difficult; not the kind of a situation that encourages private investment and growth. Thus, the European Commission s Fourth Railways Package is designed to bring liberalisation and the single market to the rail sector; perhaps, unsurprisingly, parts of it are opposed by several member states, led by Germany and France, but the European Parliament Transport and Tourism Committee (TRAN), after some lengthy debates, did approve this package of measures to go forward to a vote in Plenary session in late February or early March to make some progress before parliament closes for elections in May. Some 18 independent passenger and freight operators from across Europe, as well as customers and associations, have signed a letter (attached) on 1 February urging all MEPs to support the version of the 4th Railway Package as voted by a good majority in TRAN on 17 December.
It is also important that the UK government, on whose rail structure much of the EU legislation is based, fully supports the 4th Railway Package in the Council. Of course, it should take a lead in support of UK companies, but often appears hesitant; perhaps this is part of the Conservative party s attempt to disengage with Europe . Whatever the reason, it does not serve UK business well.
e140131 letter to MEPs on 4th Railway Package.1 1 References ^ e140131 letter to MEPs on 4th Railway Package.1 (lordsoftheblog.net)
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Our Government should proactively support the European rail reform …
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Getting to the Isles of Scilly an expensive an unrelaible monopoly …
Sitting in the brand new terminal building at Land s End Airport, Gateway to the Scilly Isles, on 28 December makes one reflect on the poor service provided by the monopoly air and sea transport company, the Isles of Scilly Steamship Company. There is no passenger sea ferry at this time of year, except for the Gry Maritha, which takes freight and up to 12 passengers at the Captain s discretion ; this relates to whether those unaccustomed to small ship travel would be at risk of hitting the ceiling when the ship went down a wave! Otherwise, you go by air from the grass landing strip at Land s End or Newquay International, famous for the most rigorous and unnecessary security checks in the country with a very long surfaced runway and miles from any public transport.
The lovely new terminal at Land s End is certainly good for waiting for flights; perhaps that is why the Steamship Company built it rather than make do with the old terminal and build a surfaced runway so that planes could land and take off when it was wet. Last year (2012/3) Land s End airport was closed for more than 50 days due to waterlogged ground, and also sometimes for fog. This year, it has been good up to Christmas, but the wet has now set in.
It has rained hard off and on all week, although with less severe weather than in the South East of England, so we arrive at Lands End airport for our flight to St Marys expecting a calm and peaceful 20 minute flight. No such luck! The ground was declared waterlogged, so passengers for the first three flights are put in a bus to Newquay airport, a good hour away.
We, booked on later flights, sit in the airport waiting, with no information about if and when we will fly, no Wi-Fi (why would one want Wi-Fi when one passes through the airport so quickly?) or information by public address system, and a good view of the Islander planes that could be taking us to Scilly except it is too wet to take off! Given the frequency of wet weather delays, one might suggest that the planes should be parked at a runway which was not so weather susceptible for example St Mary s or Newquay, so that, in the event of it being too wet to fly from Land s End, one could at least have more planes to take passengers from Newquay to St Mary s. There are people wanting to travel home, to Scilly for the New Year, in fact the general demand for travel that people elsewhere take for granted.
Here, in addition to fares of 80 single by plane, one has the added benefit of sitting around looking at two or three stranded planes and a complete lack of passenger information that is taken for granted on other more normal air or rail services. In the end, we got on the bus to Newquay and, after numerous delays, arrived at the beautifully lit up St Mary s airport (sunset was thankfully postponed for us to land!), thankful that we had not shared the fate of all those families who had booked on afternoon flights who have been told to come back the next day. Of course, Land s End Runway was supposed to have been given a hard surface in November but the Isles of Scilly Council seems to have forgotten to sign a contract with a contractor.
Even with a surfaced runway, there will be inevitable delays due to fog or high winds and better customer information and service is badly needed.
And ministers still say that the transport system to Scilly has not failed?
They should try it!
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Getting to the Isles of Scilly an expensive an unrelaible monopoly …
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Midstate stock market advisor urges calm in wake of massive Dow sell-off
Bob Caplan Interview
HARRISBURG, PA. (WHTM) – It's the Dow Jones Industrial Average's worst day in four years. After plummeting more than 1,000 points within minutes of the opening bell Monday morning, the Dow was still down nearly 600 points when it closed.
Concerns about China's slowing economy, their currency devaluation, and sliding oil prices helped prompt the global sell-off.
It's far from child's play figuring out the stock market, but with such a turbulent day on Wall Street, millions are trying to do just that.
The Dow started at 9:30 Monday morning just a hair under 16,500 points. Five minutes later, it fell more than a thousand points lower.
Ten minutes after that, at 9:45 a.m., the market made back half those points, and forty minutes after that, at 10:25, it made back nearly 300 more.
By 1:10 Monday afternoon, the index was within 115 points of where it started.
"My belief is, and my whole way of looking at the market, is really not to panic," said Bob Caplan of Harrisburg's River Wealth Advisors.
Simply put, Caplan invests people's money for them. He admitted at first, the massive sell-off rattled him a little, but he's come to expect this kind of volatility.
"The people that are going to lose in this," he said, "are the ones that panic and sell out and never know when to get back in."
Caplan said the market has done "remarkably well" over the last few years. It was due for this kind of correction.
For those worried about their 401(k)s, he said don't worry. The lifestyle funds common to those plans are generally well-diversified.
And for investors, think long-term — five years, not five days. It's also a good time to consider diversifying portfolios even more, to gain more stability.
For non-investors, Caplan said, this is a good time to get into the market.
"It's a much better opportunity than it was a week and a half ago," he said with a laugh. "That's for sure."
Back to the numbers: The gains didn't stick. By 3:30 p.m., the Dow was down by nearly 650 points.
And after a last-gasp gain five minutes before the close, the Dow ended trading 588 points lower than where it started.
It's a volatile business, with few certainties.
"The thing that is for sure is that we really don't know what way the market is going to move tomorrow," Caplan said.
The situation in China, he said, is up to China to solve. Their market is fairly self-contained, so any corrections they need to make could happen within weeks to help stabilize the world economy.
In the end, Caplan predicts the year will still end on a positive note for investors and non-investors alike.

subset: commoncrawl


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Monday, March 30, 2009
Freedom Song
Love this song wanted to share it!
Posted by Debi at 10:37 AM 0 comments
Who Needs Another Friend?
Hey to the Sista's! Mornting! As Madea would affectionately say, or should I say afternoon. Well, I just read my friends blog, Seriously...and she said it was "Friend Makin Monday". Now I am going to have to get a little re-directed my friends, cuz if you are a real friend of mine....you know my take on this! If I haven't said it hundred times, I have said it a thousand times.... I don't need anymore friends.....I can't take care of the ones I have! That was said totally before I begin blogging. I feel like I'm truly always leaving someone out. I don't like leaving friends out but it just happens that I see some of them more than others. It doesn't mean that I don't love them any less...it's just....Life! To be perfectly honest....when I look back on saying that I didn't need anymore friends....I wasn't being prudent or superficial, I am just the kind of friend that sticks through and through. You know the one......the good times, the bad.....skinny times....rather than large times.......difficult times.....fun times....those are easy! And to BE the bestest BFF....let's talk about it....it's work. ( Can I get an amen....Sista!) Let's break that down momentarily for a second! You know you have a friend that can zap the zappy out of you quicker than most. You know she's the one you stop cooking for.....run crazy for....she drives you nuts... sometimes she even has you over just to help you pack for a trip....and her trip is even a week away...(hint..hint...nudge nudge!) She knows who she is! But I love her! Also, these type of friendships usually go way back ....in the day...... you can actually get mad at them and just hang up in frustration. Cuz you know she's gonna call you back in 20 minutes laughing about something else. Then there's friends that if they don't see you at church....they think something's wrong and your mad at them or someone else at church. It's hilarious really! I guess I need to apologize to all my friends I have made this comment to because I've connected with someone new over the past year that has become a a great BFF! She's awesome and she really does like me. We laugh constantly! We can gripe about everybody that is on our last N E R V E ( In Christian Love of course) and know we're just venting and that it's harmless and out of an earshot of everyone. Those are the bestest of friends. If you don't have a friend like this.....just let me know. You HAVE TO HAVE ONE! I do love my friends....and I am up new friends. If you like my blog you can pass it on or leave me a comment (thank you Elizabeth Butler) at least I know I have one or two friends that read it! Have a blessed day in the Lord! He's my bestest BFF...I know he shakes his head at me daily along with the soulmate, Boo and Little Bon Qui. Make a BFF today...you can do it....you really can! Hugs to the Sista's! Debi
Posted by Debi at 10:04 AM 0 comments
Thursday, March 26, 2009
Let's Talk about Idol!
OK...Sista's ...I have to talk about idol cuz that's the only show I have time to watch and I want to seem somewhat connected to "the world". I had enough of Paula last night to last me a couple of weeks. Someone needs to split her and Simon up. The just feed off of each other! First, Paula pulls out the coloring books for Simon (very early in the show I might add!) and then the next thing you see is Paula with a mustache on painted on by Simon during a break obviously. PULEEEZ! Paula.. bless her heart...just how old is she? My guy, Adam, who I have selected to win the whole kit kaboodle, was awesome last night. I am so glad he changed it all up. Even took off the nail polish. That's really the only thing that bothers me really. I can handle even the eyeliner here in there because he is just a little dramatic and I dig that. He changed it up, shook it up and reminded me a little of Elvis with a twitch of a young Kurt Russell. Bottom three for me is, Megan, Michael and bless his heart poor little Scott. It really is time for him to go home I think. I disagreed with the judges last night and that really never happens. I thought Michael was good, but they blasted him pretty good. He has a good attitude and I think he will survive the night. I'm afraid it could be Megan to leave unfortunately, she was worse than bad, but I think she's a cute girl with some talent. Thank you Jesus, I am feeling much better today. Oprah had a show today about some overweight people and I just have to be honest, it made me get up and do my stairmaster while I was watching her show...I kid you not. It was really pitiful. If that can't make you put the "Shut to the Up" I don't know what would. I'm praying for sweet sweet Ruby. Let's all lift her up. One thing Sista's do is help each other out when we are in need. I have this such good friends. Recently when Mike was out of town both of my peeps were sick at the same time. I was going from one side of the house to the next...it wore me out. I always always have a Sprite or Gingerale in my outside fridge, but not when the kids were sick. Thank goodness for my Sista friend, Stephanie, she came over with in the hour with soups and Sprites. That's what Sista's are for...right. My friend Dana would literally give you the shirt off her back. Seriously.....my friend, Dana, went last summer on a mission trip to Ughanda, I bought her a little goodie to wear and she ended up giving it away to the lady whose baby accidentally pooped on her. I thought that was so sweet that the lady would even want it. That's Dana! If you have a story you want to share with all my Sista's you all can email me and I will let everyone know, meanwhile.....share you life and time with someone new every week and let the light of Christ shine through you. It's a amazing how one little compliment can make someone's day. Hugs to all my Sista's, Debi
Posted by Debi at 3:20 PM 1 comments
Tuesday, March 24, 2009
Sista's Been Under the Weatha!
Hey to my Sista's! First of all ...I have to thank my Soul Sista, Shawn from It's Personal who donated some gorgeous personalized art for the Spring Jubilee at Little Bon's school. It rocked!! Thank you for giving me my very first blog award...although I di...ent deserve it! You make me smile. I will be throwin that bad bama jama "up in here" when I figure it out. O Yes I will! Girlz, I have to be honest and apologize for not blogging. I have been ever so slightly under the weatha! Truly! I haven't worked in two days and for all my Sista's that know me, I don't usually miss work. I love my job!It's nice to know I have Sista's who care. I'm bummed that idol is not on tonight. I know the President is coming on and I should want to hear what he has to say, but really....we know that we are all pretty much on "lock down" when it comes to designer shopping right now. So I won't tell the Prez to put the "SHut to the UP! Maybe we will feel like listening when I can go shopping, "freely" and have a girly shopping day without any GUILT. Yeah....you know the word.....it's located right next to the word, "Mother" in the WEBSTER goodbook. I can't wait for summer to get here and have somewhat of "spray tan" and put my strappy sandals on and just go out for the day. I feel a New York trip comin on. Any takers? While I was home today I was thinking just how blessed I am. You know when your not feeling the best....you are thankful that you don't feel that way all the time. Praise to my Jesus! I had to make a list of all of the things I am thankful for. It was quite long. I must admit that we don't do that enough. On a more somber note. Some of you may not know that I lost one of my real life Sisters back on December 30th. Her name was Angela and she was only 39 years old. Our family still hasn't received the autopsy report back so it's been hard for my parent's to move on. We found out this week that one of the pain patches she was wearing has apparently been responsible for 8 deaths recently. There is currently a class action law suit for this med. Who knew. So to all my Sista's who know Jesus and believe that His Plan is Always Perfect, please pray for my Dad, Jerry and my Stepmom, Jeanne. They both have had very dark days lately. I love you all! Debi
Posted by Debi at 4:36 PM 1 comments
Tuesday, March 17, 2009
Is Your Car Nasty?
OK Girly Girlz, I have to get something way off my chest, you know cuz it's buggin me! I have to admit I do have a new vehicle and the newness is no where in sight wearing off. You can drink water in my car, but that's it! No food, except for this past weekend on the way to Boo's Lacrosse game. In the past I have been guilty of Little Bon's shoe here or there, and it's been known to have stuff way in the back. (maybe a shopping bag or two!) but really.....there is nothing worse than getting into someone's nasty car. I got into a car/van than had spilled coffee on the carpet and in between the seats and someone had what looked liked to be toenails cut on the floor. No one's fingernails could have been THAT LARGE! I have to tell you this was indeed not a southerner who commited this ungodly offense. The details aren't clear and no one wants to "fess up" to this for this particular vehicle is shared by many. What would make someone do that? They couldn't have been driving and it's actually close to the drivers side. It makes you think, if they treat the car like this, can you just imagine their home or their bedroom. Ugh! Oprah says it really says alot about the way you live. I really believe she's right. Same goes for nasty fridgerators. It totally grosses me out. I can't even throw away leftovers....the "soulmate" has to do it. Seriously. I cannot handle it. He's been doing it so long we really don't even discuss after 20 years. Idol is on tonight......yeah! My true friends never call during this time. Hugs to the Sista's! Debi
Posted by Debi at 4:08 PM 2 comments
Thursday, March 12, 2009
The Soulmate Got a Taste of SoulSista's Morning!
I couldn't have planned it better if I had staged it myself! The Soulmate (my hubby) typically get's up at 4:30 a.m. and leaves for work at around 5:30, yes that would be a.m. But today was special. He would be going to the Gator Basketball Game downtown tonight, so he wouldn't be seeing his peeps tonight, so he decided to stay home and bless them with his presence this morning. Let's just get this straight, my little Bon is not the morning person, nor am I. In my younger days I was, but somehow down the road...things just changed and that is not the case at this point in my life.( Maybe children...hello!) But the Soulmate is happy smiling from the moment his feet hits the floor. First He precedes to get little Bon up by talking and being real sweet and she is not use to anyone but me in the morning. We are both grumpy and that's the ways "we" like it! She knows what to do and I know what she wants...everythings cool with us! The soulmate starts teasing her and she gets very angry.... I saw him getting her mini frosted shredded wheat down and I said, " Whatever you do .....don't pour the milk until she sits down or she won't eat it." He replies, " I know that, I wasn't going to do that". I start getting ready for work and hear crying from the kitchen. I go to check it out and of course, she's crying. I said "What's wrong?" The soulmate replies, " Her mini wheats are soggy", he said that happened in the matter of seconds. I still don't understand it. Meanwhile.....I'm getting the "Teenager"(Boo) out of bed for school. Boo is still asleep and he is telling me to put the Shut to the Up! Of course I didn't realize he was actually still asleep which happens from time to time. He sleep walks and talks....mainly when he's really tired. The phone was taken. Period! Can somebody please get me some medication. I am over it all by 7:15 a.m. I look at the soulmate and tell him, I am so glad you are present to witness the wonderful world of getting the peeps ready for school. I usually give him the update on the drive to work each morning. I had to laugh that he was looking at me like......."you have to deal with this everyday"! I told him that is why I need some medication.....for days that start like today! Little Bon can some up things so well! We're in the car driving to school, studying OUR spelling words of course when she says, "Mama....we don't like the mornings do we? We don't like being happy in the morning do we? I said, "No, baby". She said, " Mama....Daddy's always happy in the morning, I wonder why? I said ever so lovely, "Because he doesn't have to get you both ready for school everyday! I looked in the review mirror and she was grinning ear to ear! We are two pea's in a pod! Hugs to my sista's! Debi
Posted by Debi at 6:20 PM 2 comments
Wednesday, March 11, 2009
How Bout them Memphis Girls on Idol!
OK.....I officially get to brag on my HOMETOWN Girls, Lil Rounds and Alexis Grace who are both from Memphis! yeah baby! I have to be honest and tell you that my fav girl is actually Lil, sorry Alexis Grace, you have a wee bit of a yelling problem at the end of your songs. You know how the producers like this show to run....girl winner, boy winner....etc. Well, last year David Cook won, so theoritically it's time for a girl to win, but my heart tells me a guy will be winning. By the way I picked David Cook last year in our office pool to win the whole thing the very first week! Yee ha! Yes toss me a raw fish for that one. I just have to tell you all something funny! Do you ever find yourself listening to other people while your out shopping? I mean ...really! I can't help it, if their standing right around your area and your looking for something. I shall keep the store's name off of here to protect the innocent and sweet older ladies that work there, but I feel like I'm always being punked! I guess that I play so many practical jokes on people that I always feel like there is someone trying to get me back for all the crazy things that I've done....all in the name of fun. Here's how the scenerio went. Older man: "Honey, seriously, now what size are we looking for here"? (This man was very loud, and yes I checked he was wearing a little hearing aid!) The wife: " Well.....I guess about a 14". ( IN a hushed sort of way!) Older man: " Let's see here.... (loudly) I see a 14p and 14L which one do you want?" The wife: "Neither.....I'm just regular". Older man: "Honey...this could be a problem here". OK, I have to stop now because I was laughing so hard, I think I offended her. Who in the world is gonna take this up right here in front of God and everybody. It cracked me up to think first of all he didn't make any bones about yelling out his wifes size smack dab in the middle of the store. The sad thing is that the little lady probably was a 14 in another life but certainly not this one. This is a why you don't take your man shopping is because they want to get it and "Get Gone". This man was clearly on a mission to get her some jeans and head straight to Ace Hardware. I had to laugh because that's probably going to be me one day. I think that's why I just love older people so much, is because we'll be there right before you know it. Hugs to my Sista's! Debi
Posted by Debi at 9:40 AM 2 comments
Monday, March 9, 2009
Shout out to all my Sista's!
Hey Girlfriends, My hommies at work would just fall out in the floor if they knew I created this all by myself. Let's see....I really can't say that. There are two people that made this possible, a true southern girl always gives credit where credit is due. First, a call out to my crazy friend Shawn Trotti, and next to my real live Sista, Jennifer Goodwin! Blessings to both of you for your patience and true kindness....really...it's not always easy with me. Welcome to my blog GirlzASoulSista! Well....I have to be perfectly honest and tell you that the name of my first choice was already taken by someone who is doing absolutely nothing with it! Whoever you are...I'm praying for you! I'm sure at least one of you is dying to know what that name is! (Shawn you already know!) It was going to be....Keepin It Real! Yes...I already had that name way back in the day before Rev. Al Sharpton name his cable show that. Let's just move on quickly and let that be. I really never wanted to share my thoughts with everyone because personally I didn't think anyone would ever care what my thoughts are. You never really know what a true soul sista is thinkin! I have to admit that I am pretty good at reading people. My soulmate calls me Ms. Cleo. You remember her ...right. She was the 1-800 lady who was on tv real late at night wanting you to call her so she could get you to babble and then turn it around to make it seem like she knows you! I guess some would call it a "Gift", but let's be real, it's the Holy Spirit at work..hands down. Who else could peg it so right? I give credit where it's due...remember! That's truly why I wanted the name, "Keepin It Real"......hello! One thing for sure, for those of you who don't know me I believe in the truth and let's just be real clear here....some people can't handle the truth, hence thereforth I was leary of having my own blog. I know I should probably have a Christian music song to play but you have to admit that Lady Marmalade is the better choice ....come on..it really does fit pretty good, huh! Just make sure all you Sista's get your groove on when the song comes on....just for me! Live in that 80's moment for just a couple of minutes! I do apologize if it didn't play yet, I'm still trying to figure this out. I look forward to chattin it up with all my Souls Sista's and for those of you about to be my new Soul Sista. Be Blessed! Peace Out! Debi
Posted by Debi at 6:15 PM 0 comments
Hey to all my Sista's!!
I can't believe I finally did it!
Posted by Debi at 5:09 PM 1 comments
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Have HVAC Questions? Ask an HVAC Expert for Answers
Notice warning on top of page one regarding working on the unit with the power connected.
Try turning the power to the unit off for 10 seconds, then turn it back on and tell me how that worked,
We can go from there without a time limit. Please do not forget to rate my work when we get it fixed.
Thanks, ***** ***** like the printed circuit board may have been damaged by the power spike that hit it during the power outage, or by working on the unit without turning power off to it,
If you can send me two photo's one of the printed circuit card so that I can see the entire card clearly, and one of the wiring diagram glued to the inside of the units electrical control panel, close up, well focused and from straight on.... I can mark them up with further trouble shooting instructions,
We can go from there.
Hello again, coaching you trouble shooting that inaccessible mess of wire connections could take days, and still not end well.
I am going to leave you with the statement that replacing the printed circuit board has a 70 to 80% chance of working, the rest is too compact and the diagram the manufacture provided on the printed circuit board is too vague to allow reasonable trouble shooting of anything else.
I will opt out, we can see if anyone else here has a better idea for you.


text:
Screen Flickering In Windows 10
I love Windows 10, but forced updates, especially drivers is a pain. Autoplay When autoplay is enabled, a suggested video will automatically play next. Then it will be self explanatory from then on :D hope this helped! My Thinkpad's supposedly switchable NVS4200 graphics appear to always be active in Windows 10 instead of handing off to the Intel GPU like they're supposed to, which cuts about 30 minutes http://elizabethandrew.org/windows-10/secondary-display-flickering-flashing-blinking-randomly-from-bottom-in-windows-10-pro.html
On the File menu, click New Task (Run...). You could use the keyboard shortcut Ctrl + Shift + Esc to access Task Manager directly, and then check whether Taskbar Manager flickers. When you are asked to restart the computer, click Restart. How many times do you hear that? https://support.microsoft.com/en-us/help/12374/windows-10-troubleshoot-screen-flickering
Windows 10 Flashing Screen Dell
Reply Jumpingforjoy February 11, 2016 @ 6:13 am After a full day of following all of these instructions and countless restarts - only to discover the screen was still flashing - Fortunately I had a backup image using Macrium, of my laptop pre-anniversary update. All In One TweaksAndroidAnti-MalwareAntivirusAppearanceBack UpBrowsersCD\DVD\Blu-RayCovert OpsDrive Utilities (HDD, USB, DVD)DriversGamesGraphicsInternet ToolsMultimediaNetworkingOffice Tools System ToolsMacintoshNews Archive- Off Base- Way Off Base Spread The Word Follow @majorgeeks MajorGeeks RSS / XML Feed · I tried disabling the graphics card.
- Task 2..i realised i dont have icloud…i skipped this step.
- However with battery in and mains power in, when flashing occurs I removed mains and system immediately shut down.
- Task 3..i dont have norton installed.
- Reply Claudette September 21, 2016 at 1:29 am the only thing that works is control alt delete.
- As flashing stopped, I was happy.
- you update and now I can not get my e mail because it is flickering.
- I shall continue to run on power plus battery and when flashing screen occurs remove mains power Reply Catherine R February 19, 2016 at 5:44 am I have tried all these
Start Here · Top Freeware Picks · Malware Removal · HowTo's · Compatibility Database · Geektionary · Geek Shopping · Free Magazines · Useful Links · Top Freeware Picks · [email protected] Reply Tom January 8, 2016 @ 1:30 pm Has never been closer to switch to Apple, even I do not like all the limitations - not even any Apple products in The funny thing is I don't remember having ever installed IDT and I was sure I have no Norton nor iCloud. Windows 10 Desktop Keeps Refreshing It won't go away.
It continues flashing randomly. Windows 10 Taskbar Flickering I've downloaded latest Intel Drivers from HP (Star Wars Laptop) and even from Intel to no avail. If we needed another reason to get rid of Flash, here it is. check that Seems to be ok now..
Any news of an update from MS that will fix the issues? Windows 10 Start Menu Flickering My only problem was the splash-screen flickering on startup. the other computers had windows 7 this one had 8.1 on it. In the box it says The exception unknown software exception {0xc0000409} occurred in the application at location 0x71979f73.
Windows 10 Taskbar Flickering
Reply Anastasia July 11, 2016 @ 5:50 pm Thank so much!!
Thanks Reply J Middleton February 20, 2016 @ 1:40 am I have been unsuccessful to stop my desktop from flashing even after trying various suggestions using task manager With the constant Windows 10 Flashing Screen Dell Reply Disappointed November 28, 2015 @ 5:36 pm I down loaded windows 10 and it was horrible. Windows 10 Flickering Screen Lenovo I've decided to use the free windows 10 download Micro..
That opens up usermanager, in there create a new user, for instance "usr". his comment is here Close Yeah, keep it Undo Close This video is unavailable. I can't even log in in safe mode, when I do, the computer just restarts and the same thing happens where I get to the log-in screen with the log-in symbol I changed my iCloud settings to no picture sync and everything stopped flashing. Windows 10 Flashing Login Screen
These include Norton AV, iCloud, and IDT Audio. Click on Windows Update. I still had issues with iCloud though so successfully uninstalled iCloud. http://elizabethandrew.org/windows-10/screen-keeps-reverting-to-the-windows-start-screen.html I can't click on anything at all.
Once you uninstall the applications that may be causing the problem, reboot your computer, and see if that fixes the problem. Screen Flickering Windows 7 windows 10 loads so fast that I can't boot in safe mode, cortana won't work, f8 doesn't work. If I download and install iCloud, will the problem start again?
Aren't computers just fun? Kindly suggest. Then click browse. 8. Screen Flashing Windows 7 Contact me if any queries.
Reply Bryan March 14, 2017 at 1:00 am I have a Lenovo Y-70 with windows 10, my screen has flashed since the day I upgraded to 10. Reply koko May 22, 2016 @ 9:56 pm I just had this problem after installing a new theme to my windows 10 I've tried many things and nothing work try turning I Hope this helps others avoid making the same mistake. navigate here So I can also run prompts and go into task manager, but I can't do anything else, so I can't run msconfig.
Reply Chuck January 31, 2016 @ 3:31 am My screen flicker after installing win10 was caused by mouse trails. any help appreciated. Reply Nikesh August 24, 2015 @ 2:20 am try acessing Mscofig from safemode. Eventually (after letting the screen flash overnight) I get a login screen and everything appears to work fine, but next time I boot up, constant flashing for hours prior to getting
Microsoft and techies are desperately flailing around for answers when they simply DON'T KNOW. SR Reply Margie December 10, 2016 at 1:45 pm Thank you so much! This feature is not available right now. July 17, 2016 @ 8:24 pm I had this problem for so long.
They say it is a conflict with an app or driver and I just have to keep removing programs until it stops, but I need the programs for my daily work. reboot Reply Brad November 29, 2015 @ 3:23 am I figured out that my flashing screen was because of my iPhone pictures trying to sync. Reply Fassel February 21, 2016 @ 9:34 pm Okay . Reply James January 8, 2016 at 5:17 am My safe mode flashes on and off too, so it won't let me uninstall my display driver.
R3DLIN3S 17,902 views 1:35 How to fix Windows 10 flashing / blinking screen - Duration: 3:54. I see on a few sites and a you-tube video that it could be the cloud, but I don't use the cloud and exit it as soon as my computer is That seemed to fix the problem, but it showed up again right after I enabled Hyper-V again. Reply Damu September 10, 2015 @ 6:22 am It worked for me after I unchecked those 2 services. 1) Problem Reports and Solution Control Panel 2) Windows Error Reporting Service Thank
Just keep practicing by clicking in the text box and quickly typing the letter you need before the screen flickers (if you can). If not, then you are stuck waiting to see who's at fault, Microsoft or the developer and wait for them to fix it. In addition to the launch-week issues of Microsoft's WHQL driver overwriting nVidia's, I've seen the Geforce 358.87 installer fail to detect a 750Ti even on a desktop machine with no onboard would that be the problem as well?
Yesterday I got the constantly flickering screen with nothing working.


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Wall Street Journal (03/09/13) Brenda Cronin
Employers in February hired briskly enough to bolster the recovery but likely not enough to prompt the U.S. Federal Reserve to put the brakes on its easy-money programs until it sees further, sustained gains. The U.S. added 236,000 jobs in February, notching gains in almost every corner of the private sector. "The overall 236,000 number is nice, but the breadth of jobs growth across industries tells me that the recovery is broadening and likely gaining momentum," says Mark Vitner, senior economist at Wells Fargo Securities LLC. "The mix of jobs is also changing. We're creating higher-paying ones." However, the full impact of the federal budget situation could take a serious toll in the second quarter and possibly the third, says Ian Shepherdson, chief economist of Pantheon Macroeconomic Advisers.
The ranks of temporary workers, often seen as a hiring bellwether, surged by 16,000 after declining by 3,000 in January. Demand is up at ManpowerGroup, although the "conversion rate" of temporary workers to full-time ones is flat this year from last, says chief executive Jeffrey A. Joerres. That reflects companies' increased productivity, Joerres says, with firms getting "very good at making trade-offs" and ensuring they have enough workers—but not too many—to handle the essentials. Companies hiring temporary workers are taking the economic headwinds in stride, Joerres notes. Despite a flurry of domestic and international risks, businesses "are getting a bit numb to the shocks that are happening to the system," he says. "But they're remaining on high alert."
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Cloud Takes the Lead
As concerns about security subside, cloud solutions are becoming the de facto choice for companies shopping for treasury technology.
By Lisa Abramowicz, Bloomberg |
September 4, 2015
Companies lining up for cash may find unpleasant pricing surprises in U.S. debt market.
By Joseph Ciolli, Bloomberg |
May 27, 2014
Share prices of companies with the weakest balance sheets have increased 94 percent in just over two years; junk bond issuers rising faster than the overall market.
By Carol Hymowitz and Cécile Daurat, Bloomberg |
August 13, 2013
The best-paid women at S&P 500 companies earn 18% less than men.
By Christine Idzelis, Bloomberg |
March 28, 2013
Fed and other regulators are warning the market may be frothy.
By Alex Nussbaum and Alex Wayne, Bloomberg |
December 5, 2012
Companies that opt out of healthcare might not even save money.
By Jeff Green, Bloomberg |
September 6, 2012
Half of the company's board members are active CEOs.
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My TCCL
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I'm currently reading Ben Ehrenreich's debut novel The Suitors, which uses Homer's Odyssey as a sort of back story. Ehrenreich uses Odysseus's wife Penelope as the focus, what became of her when Odysseus left for war. Although this book is much more than a retelling of perhaps the greatest epic ever told, it got me thinking on how many great, unique books have used someone else's work as an entry point. And while we love to roll our eyes at anybody that uses the word in casual conversation, I really can't help but think that these retellings, these template-borrowing novels are but another characteristic the literary postmodern tradition.
Here are some other works that probably should use the words 'loosely based on' or 'inspired by' as a disclaimer:
Doh!; or, Thank you, Homer : -The Following use the Odyssey…
Ulysses- A novel by James Joyce. A notoriously 'difficult' yet brilliant book. O Brother Where Art Thou -A Film by the Coen Brothers. Cold Mountain -A Novel by Charles Frazier and a movie adaptation starring Jude Law. 2001 A Space Odyssey : A film that uses many parallels to Homer's epic, adapted from the novel by Arthur C. Clarke.
Ahoy!; or I am Ahab: -The Following use Moby Dick…
Ahab's Wife; or the Star-Gazer: A Novel : A book by Sena Jeter Naslund that spins a tale from the perspective of Captain Ahab's wife. Leviathan : A concept album based on Melville's masterpiece by the band Mastodon. Bone : A graphic novel series by Jeff Smith. The main character's favorite book is Moby Dick. Allusions and references litter the long running series. Leviathan '99 : A spinoff by Ray Bradbury that takes place in space.
To Sit in the Shade; or, A Woman's Influence: -The following use Pride and Prejudice…
Pride and Prejudice and Zombies: The Classic Regency Romance—Now with Ultraviolent Mayhem : (I think the title says it all. And yes, that is the title). Bridget Jones's Diary : A novel and film that use a serious Mr. Darcy, a meddling matchmaking mother, and a humorous detached father. Bride and Prejudice : A Bollywood version of the classic novel. Pemberley; or, Pride and Prejudice Continued : A novel by Emma Tennant. (Note: There are numerous 'Mr.Darcy' and 'Pemberley' novels by different authors.)
Abandon All Hope; or, Drag me to Hell!: -The following use Dante's Divine Comedy…
What Dreams May Come : A film starring Robin Williams that uses Dante's concept of different l evels of hell for different mortal transgressions. The Amber Spyglass : A novel by Phillip Pullman contains many allusions and even has scenes that parallel those of the Divine Comedy. Master of Verona : A book by David Blixt has Dante himself as a character and also borrows extensively from Shakespeare. Dante XXI : An album by heavy metal band Sepultura is loosely based on Inferno (Note: Also, see works by Geoffrey Chaucer and John Milton)
To Be or Not to Be; or, Call me Will: The following use Shakespeare's works…
(Note: Open your eyes, turn on your TV, read ANY book, and I guarantee you'll find dozens!)


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Posted by Cherrie on Apr 16, 2017 in | 0 comments
Spring time brings color and rain… Flowers blooming, trees starting to get leaves and more. What does this time of year mean to you? Blog/Prize Preview, Price per Prize: 1L each, Teleport to the Starting Point
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This is GREAT News!
By Johnny Kampis | Missouri Watchdog
ST. LOUIS — The Missouri Senate followed through with its threat of slashing the Department of Revenue budget by completely eliminating funding for the driver's license bureau in a budget proposal passed Monday night.
That plan would ax 37 full-time positions in the DOR's license division in a $3.5 million cut. The trims also include a reduction of $7 million in DOR administrative costs, $9 million from the computer technology division of the Office of Administration and another $20 million from the Department of Public Safety administration.
LOST LICENSE? The current Senate budget eliminates licensing funding completely.
The way Republican senators see it, all of these departments had a hand in invading citizens' privacy. The budget includes $2 million for a sheriffs' task force to oversee producing conceal carry permits, stripping that duty from DOR.
Some lawmakers are incensed with the revenue department for its new practice of scanning and maintaining copies of important documents of state residents, such as passports and birth certificates, when they obtain a state driver's license. Concealed carry weapon certificates were also a part of the practice until Gov. Jay Nixon ordered the DOR to cease that practice last week.
It came to light that the Missouri State Highway Patrol, a division of the Department of Public Safety, sent lists of the state's concealed carry permits holders to the Social Security Administration as part of a federal fraud investigation.
Sen. Kurt Schaefer, R-Columbia, the chairman of the Senate Appropriations Committee, hopes the Senate's actions will spur more open discussion on the issue.
"I'm pretty confident that this will get someone's attention … and we'll start getting those answers," he said.
Carl Bearden, a former GOP lawmaker and founder of United for Missouri, which has hounded Nixon on this issue, said the Senate's actions should spur more forthrightness.
"They obviously fail to grasp the importance and impact of this scandal," Bearden told Missouri Watchdog on Tuesday. "This long Nixon scandal is impacting a lot of things associated with confidence in state government."
Sen. Ryan McKenna, D-Crystal City, expressed concern that the budget would curtail the state's ability to provide some important services. Schaefer admitted the cut would prevent the DOR from issuing driver's licenses, but few expect the final budget to contain zero funding for the licensing division.
"I want to make sure we're not affecting people who basically caught friendly fire who didn't do anything wrong," said McKenna during lengthy debate on the budget Monday night.
The Senate will meet with the House to negotiate a final version of the 2014 budget, which must be passed by May 10, a week before the 2013 session of the Missouri General Assembly ends.
The next fiscal year begins July 1.
Nixon to testify in document scanning lawsuit
There were more developments in the DOR document scanning flap Monday as Nixon was subpoenaed to testify in a lawsuit over the issue and a House member announced he would investigate the department.
The Southeast Missourian reported the subpoena was issued to Nixon in a suit brought by Eric Griffin, a Stoddard County man who was forced to submit to the scanning procedures to get his concealed carry endorsement.
Griffin's attorney, Russ Oliver, stood with House Speaker Tim Jones on the steps of the Commons Pleas Courthouse in Cape
NIXON: The state's chief executive has been subpoenaed to testify in a lawsuit over the document scanning.
Girardeau to announce the subpoena. That facility was the scene of a public forum on the scanning issue Monday night.
Oliver said he decided to ask for Nixon's testimony after weeks of evasive answers.
"This subpoena is not being issued to harass or vex the governor," he said. "We just want the truth."
Attorney General Chris Koster, previously silent on the issue after Jones held a news conference in front of his office calling for an investigation, at the forum said the known facts "are moving around a great deal, still."
"Let's develop a set of facts that we can rely upon, and then work to address policy decisions that protect the rights of Missourians and protect the rights of gun owners in this state," he said.
Also Monday, Rep. Eric Burlison released a statement saying he would investigate, with plans to send an open-records request to the DOR for records related to the new scanning procedures.
Schaefer received about 50 boxes of documents from DOR earlier this month.
"This has been a story that has become more alarming with every new fact that has been discovered," said Burlison, R-Springfield. "The Missouri people want the truth about what the department has done with their personal information, and I want to do everything I can to help bring that information to light."
Contact Johnny Kampis at firstname.lastname@example.com. For more Missouri Watchdog updates, visit Facebook and Twitter, or sign up for our free newsletter with investigative reports and breaking news alerts.


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|2013 Harley-Davidson Road Glide® Custom
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|Classic touring invigorated by a slammed design and custom hot rod bagger style.
The 2013 Harley-Davidson® Road Glide® Custom model FLTRX is an ideal bike for touring in style with its many features, including its shark nose frame mounted Harley® fairing and large capacity Harley gas tank. The Harley Road Glide Custom model features a powerful air-cooled Twin Cam 103 Harley engine with 6-speed cruise drive transmission, providing more performance power for passing, hill-climbing, and riding with passenger and cargo. In addition this motorcycle is equipped with two Harley saddle bags to store all of your travel needs. Giving a great custom detail to the bike is the rear motorcycle fender with tri line motorcycle fender lights. The Harley Road Glide Custom model also has a slammed two-up seat that enhances your comfort. Take time to look over all of the incredible features of this motorcycle including the frame mounted Harley fairing and also discover more of the H-D® touring motorcycles. The other touring bikes also feature a 6-gallon Harley gas tank perfect for extended rides. Other touring bikes include the brand new Road Glide® Ultra model perfect for motorcycle travel. The Street Glide® motorcycle touring bike is another one to learn more about. Be sure and review all other of the Harley touring bikes including the Road King® Classic model with a Harley windshield and each Harley CVO premium touring bike.
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Hello sweet sister.
We are actively seeking out fellow sisters in Zion who can help answer President Nelson's call for women
who can teach with the spirit:
We need women who are devoted to shepherding God's children along the covenant path toward exaltation; women who know how to receive personal revelation, who understand the power and peace of the temple endowment; women who know how to call upon the powers of heaven to protect and strengthen children and families; women who teach fearlessly.
If you can commit to one post a week, great! If you can commit to one a month, that's perfect. There is no set schedule, this site is simply here to help us band together, share the gospel and uplift and inspire one another.
Please reach out to firstname.lastname@example.com
Our goal is to help uplift and inspire LDS women as we teach the gospel in our homes, neighborhoods and communities.
Some contribution ideas might include:
*but are not limited to*
-Your conversion story
-FHE lessons
-Modest Fashion Posts
-Service experiences
-Service ideas
-Gospel centered finance ideas
-Living a gospel centered Marriage
-Teaching friends the gospel through your example
-Living a Christ-like life
-LDS Printables
-Personal missionary work
-How you magnify your church calling(s)
-Ideas on keeping your temple (body) healthy
-Food Storage tips & helps
Your contributions are wanted.
Your voice and stories matter.
Let's share them with the world!
Please reach out to email@example.com or send your message via the portal below.


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How To Find A Great Accountant
February 12, 2015
You may think this article a little disingenuous, would you find an impartial post about finding an accountant on an accountancy company's website? Well, I hope so. Because ultimately our job as accountants is to do the best for our clients, and therefore giving independent advice is essential.
Finding An Accountant: Are They A Qualified?
Did you know that in the UK anyone can call themselves an accountant, whether they have qualifications or not? Saying you're a "professional" accountant or "tax expert" doesn't mean anything either. There are three main professional qualifications that are awarded by professional bodies, these are:
- ACCA – Association of Chartered Certified Accountants – offers the ACCA Qualification, which focuses on business issues.
- ACA – The Associate Chartered Accountant – the professional qualification from the Institute of Chartered Accountants in England & Wales (ICAEW).
- CIMA – The Chartered Institute of Management Accountants Professional Qualification in Management Accounting – specialises in accounting for business.
Look for the term "chartered accountant" or "certified accountant", and then the professional body they are registered with. As you can see some of these bodies award more specialist qualifications, for example CIMA, and therefore when looking for an accountant you need to find one who has relevant qualifications and experience for your business needs.
Here at Black & White we are Chartered Certified Accountants regulated by ACCA, which focuses on business accountancy issues. Accountants who are registered with a professional body, are not only qualified but they also have to maintain their skills and knowledge through continued professional development (CPD). This means that they are update with changes to legislation, development of ethical practices and HMRC. They also have to have professional indemnity insurance in place and, should you not be happy with the service you receive, the professional body are responsible for the regulation and the discipline of its members.
Look For An Accountant With Relevant Experience
Having identified accountancy companies who have the appropriate qualifications and are members of a professional body, we would advise you to find out whether they have any practical experience in your sector or with your particular business model.
Business start-ups have very different accounting needs to large corporations, and so it makes sense to use a company who understand your requirements. This will also have an implication on cost. For example accountants who work with self-employed individuals will appreciate that you may not want to outsource all your accounting needs in the interest of saving money, and will help you to achieve a balance.
Cloud Accounting
To this end it is also worth seeing whether an accountancy firm have embraced cloud accounting. Software like Xero enables accountant and businesses to have instant access to the accounts, and allows both parties to collaborate on them. This can save both time and money.
Talk To Them About Fees
Typically accountancy fees are either a fixed fee, variable or a combination of the two. It is very important to have a conversation about fees from the offset and to find an accountant who offers the ideal financial package for you. This also includes payment terms. The good news is accountancy fees are tax deductible!
Be Specific About What You Want
When speaking to a potential accountant about your business and finances, be really clear on what you hope to achieve. Are you just looking for someone to do your tax return, or do you want financial advice too? Any reputable accountant will be transparent about the level of their services and whether they can provide what you are looking for.
Get Recommendations!
Finally, a great way to find an accountant is to ask for recommendations, particularly if you are looking for a local firm. Speak to friends and family, or ask other business owners in your area and find out what their experience has been. You can also ask the accountant for testimonials and recommendations; we're always happy to provide these, give us a call if you like!
Interest on PPI Compensation
January 29, 2015
If you have received compensation for mis-sold PPI it is likely to include an interest element calculated at 8% a year which is taxable. Depending on the type of organisation which refunded the PPI tax may have been deducted from the interest at source but in many cases the interest has been paid gross. Regardless of whether tax has been deducted or not the interest still needs to be included on your Self -Assessment Tax Return for the year in which it was received and any tax due paid over to HMRC.
If you need any further advice or assistance regarding this please contact one of the team on 0800 140 4644.
Still Time To File Your Tax Return (Just)
January 27, 2015
The deadline for filing your 2013/2014 Self-Assessment Tax Return online is at the end of this week; paper returns should have been filed in October 2014. If you, like thousands of other self-employed people, have left it to the last minute, here are my top tips for ensuring that you don't leave anything out.
Common Mistakes On Tax Returns
Filing your tax return in a hurry is a recipe for making mistakes. The best advice is to get it done early, or get a professional to do it for you. But if you're up against the clock, don't make these common mistakes:
- Leaving Income Out: Many self-employed people also have income from other sources as well as their own business; perhaps you also have a salaried job, are in a partnership or have income from UK property. You'll need to complete the relevant section to declare this income, these are called "supplementary pages"; help is available here. Don't forget to also include any non-cash benefits an employer provides (such as medical insurance), and if you've been reimbursed for expenses incurred as part of a salaried job include these in boxes 17-18 of the "Employment" pages, so that you don't pay extra tax on these.
- Not Declaring Interest On Savings And Bank Accounts: HMRC want to know every single penny you have earned, including interest on personal savings or bank / building society accounts. If you have a joint account with your partner or spouse, you'll need to declare your share of any interest. Also include interest from PPI compensation payouts. ISAs are tax-free so these are excluded.
- Mixing Up Gross And Net: A common mistake when under pressure is to mix up your numbers and this can either result in you paying more or less tax than you should. Either way it's an incorrect return that could mean a penalty. Check that you know what HMRC require when declaring income (gross or net), and ensure that you understand what numbers in your accounts refer to.
- Forgetting Unpaid Invoices And Costs: Unless you are using the cash basis for your accounts, you must also include any unpaid invoices and unpaid costs falling in the 2013/2014 tax year period. To help keep your accounts in order now's the time to chase outstanding invoices, or declare bad debts, and account for costs incurred such as business mileage.
- Not Declaring Gift Aid: This may not affect your personal tax (unless a higher-rate taxpayer*), but it does impact on those charities you have supported over the tax year. For every donation of £1 gift aid is worth 25p to the charity. You'll need to know exactly how much you have donated during the tax year so if you don't have this information this time around, make sure you keep a record for future donations. *Higher-rate taxpayers can claim the difference between the higher and basic rate on each donation.
Late Returns And Penalties For Mistakes
If you miss the 31 January 2015 deadline unfortunately you will incur a £100 fixed penalty – up to 3 months late. After this you will be fined £10 per day (as well as the fixed penalty) up to a 90 day maximum. If your return is over 6 months late a fine of either £300 or 5% of the tax due (whichever is highest) will be incurred, on top of all previous penalties. 12 months late and another £300 fine or 5% of tax due, and of course you will also need to file your next tax return.
If you miss the deadline for paying your tax, interest will be charged from the date it was due. After 28 February 2015 if your tax is still unpaid you will receive a surcharge of 5%, and again after 31 July 2015 if your tax is still outstanding.
If you are struggling to pay your tax on time, you can contact HMRC's Payment Helpline on 0845 366 1204 for advice.
Penalties for incorrect tax returns depend on whether HMRC believe it to be a genuine mistake, or whether you have attempted to mislead them:
- If you have taken reasonable care to fill in your return correctly, you'll have no penalty to pay.
- If you have been careless, the penalty will be between 0% and 30% of the extra tax owing.
- If you have deliberately underestimated your tax, the penalty is between 20% and 70%.
- If you have deliberately underestimated your tax and attempted to conceal the fact, the penalty will be between 30% and 100%.
If you're completing your online tax return this week, I hope you don't have too many late nights! Why not consider delegating the job to someone else next year and get in touch with us at B&W Accounting? Call us on 0800 140 4644 to have a chat or email email@example.com
HMRC crack down on Second Homes
January 20, 2015
That latest HMRC taskforce is focused on property owners who are letting or have sold a second hole and are not declaring the Income Tax on letting or the Capital Gains Tax on selling. This includes the renting out a room in your own home for more that £4,250 per annum (or £2,125 per annum if let jointly).
Initially the taskforce will be primarily focused on South Wales and South West England. They are likely to look at land registry records for properties bought and sold and match them to the taxpayer's tax return for that year.
If you do not make the disclosure and HMRC finds out about the letting or sale of a second home at a later date you could face higher penalties and criminal prosecution.
Act now and make a voluntary disclosure and we will off course help you to maximise any claims for expenditure and make all possible claims for allowances or reliefs.
For further advice please contact Jon on 0800 140 4644.
What Start Ups Need To Know About Tax and National Insurance
January 14, 2015
If you are just setting up your first business you'll need to follow HMRC's rules for tax and National Insurance. This is one of the jobs that needs doing early, before you get swept up by other demands such as earning a living!
In this post I'm going to look at limited companies, generally the preferred option for startups. In this instance you need to remember that as a business owner you have tax responsibilities for both your limited company and your personal earnings. You'll also have to pay tax and National Insurance through the PAYE system for any employees, but that's another blog post…
Why Set Up A Limited Company?
Your limited company is set up to run your business and its finances are separate from your personal earnings. For those individuals who want a more simplistic method of running their business, self-employment as a sole trader is the alternative. However, there are key advantages to create a limited company, not least that you are likely to pay less tax than a sole trader.
Limited companies pay Corporate Tax on their profits. Currently small businesses (profits under £1.5 million) pay the 'small profits rate' at 20% and larger businesses the 'main rate' at 21%. But from April 2015 these will be unified at 20%.
As the director and shareholder of your limited company you can choose to pay yourself a salary, pay yourself in dividends or a combination of both. Dividends are taxed separately and are not subject to National Insurance Contributions (NIC), therefore this can reduce your personal tax liability and overall save you and your company money; compared to the sole trader route. If you would like to explore this further to see how this might impact on your finances and tax, please call us to speak to an advisor.
Setting Up Your Limited Company
If you decide a limited company is the best choice for you the process is fairly easy and pain free! You can do this yourself, or get an accountant to do it for you.
- Register your company with Companies House: once registered you'll receive a 'Certificate of Incorporation', confirming the company legally exists, company number and date of formation.
- Inform HMRC of your new company: you will then receive your Unique Tax Payer Reference.
- Set up your company for corporation tax: using your Unique Tax Payer Reference you must provide HMRC with specific information about your business within 3 months of starting up your company.
Please note that this is the basic procedure you need to go through, however there are various considerations when forming a limited company; directors, shareholders, company secretary etc. If you would like some advice on this, get in touch with our team.
Your Tax Responsibilities
Having set up your limited company you have the following tax responsibilities:
- To put together annual statutory accounts.
- To send Companies House an annual return.
- To send HMRC an annual Company Tax Return.
- To register for VAT if your company expects to take over £81,000 p/a.
- To pay your tax!
Legally you do not have to employ an accountant to do this, but it helps! There are penalties and fines for late and incorrect filings, and remember you are legally responsible for your company's records, accounts and performance. If you would rather have peace of mind and concentrate your energies on your core business, delegating these onerous tasks to an expert is a good idea.
And the last thing to remember…
Don't forget that as a director of a limited company you must also file your own self-assessment tax return for the salary and any dividends you draw: and pay tax and NIC through the PAYE system.
Please get in touch if you would like to discuss any of the above. The B&W team is always happy to help you work out the best accounting solutions for your needs, as well as helping you save money on your tax and accounting. Call 0800 140 4644 or email email@example.com
Charities We Support
The Butterfly Tree
The Butterfly Tree supports rural communities in Zambia. It is a UK charity that is run entirely by volunteers, meaning all the money goes directly to the cause.
We have been sponsoring 5 children through the Orphan Sponsorship Programme since 2007. In March 2012 Wendy was lucky enough to meet them when she went to do some voluntary work in Zambia, with The Butterfly Tree.
Artfully Aware
Artfully AWARE (AfA) is an international not for profit organization that connects communities, collaborates with local partners and generates positive change in people's lives through advocacy events and innovative community development projects.
We are currently working with Artfully AWARE UK on a number of projects, as well as running their finance function.
Sam Veasna Centre for Wildlife Conservation (SVC)
SVC manages wildlife viewing trips with exclusive access to Wildlife Conservation Society sites across Cambodia. SVC was established by WCS to provide an alternative sustainable livelihood from ecotourism for the local communities at the sites that WCS prioritises for conservation.
In July 2011 Wendy spent 3 weeks working with the Sam Veasna Centre organising their finance system, training the finance staff and setting up templates for budget reporting and cash flows.
We feel that giving something back is an important part of business and are always interested in hearing about organisations that we may be able to help. If you have a project that you would like us to get involved in please get in touch.


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Hello! I'm running for rollback.
- I'm active
- I have tons of edits
- I'm getting better at coding
- Everyone trusts me (I think)
- I can handle trolls.
- I think I'm a good person and I don't do bad things.
- Welllllllllll you guys all know me so I think I possibly can move on
- I can become inactive randomly.
- I can get distracted easily.
- I'm.a.fail.at.chararts.
- I mostly suck at coding.
- I hope you guys get the point because well yeah.
- I doubt myslelf.
Other stuffff
I think I deserve this position. I'm respected (I think).
"I don't want to be remembered as a hero, just me. I want to be known for as me." ~Crow (talk) 23:58, December 9, 2013 (UTC)


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Miss Atom
Miss Atom is an annual beauty contest for Russia atomic energy employees.
Here we have Alyona Kirsanova of Novovoronezh, who's 22 and loves fusion reactors. Her smile really radiates, right?
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The name picked using Random.org for Saturday's card is...
Congratulations, please email me at: email@example.com
and I will post the card to you
If somebody tells you that you have enough craft supplies and you don't need anymore... stop talking to them! You don't need that kind of negativity in your life!
Thank you for leaving me a message
Although I am unable to reply to your comments on my blog I really appreciate you taking the time to write to me. Should you need further information about today's post or wish to order a card please email me at:
Thank you, I hope you have a great day June x


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Their Discarded Taxis Wind Up in New York
Published: July 29, 1994
To the Editor:
If Betty Lawrence, executive director of the Metropolitan Taxicab Board of Trade, thinks a "cool, comfortable ride in a taxi" is a "utopian dream" (letter, July 15), I suggest she travel to Phoenix, Dallas, Houston, New Orleans or other Southern cities where it is really hot and traffic can be as bad as New York's.
The problem is not weather or traffic, but vehicles. In those cities, your typical New York taxi could not pass the rigid inspection. Their vehicles are younger and maintained better.
In New York, hack licenses are sold for hundreds of thousands of dollars, yet most of the taxis are bought used from other cities for less than $6,000. When a taxi is considered worn out in Pittsburgh, Cleveland or Hartford, it can easily be sold in New York, where it will be inspected (with a $50 bill slipped into someone's pocket), and you and I will be sitting in an old clunker with no air-conditioning, and Ms. Lawrence will tell us that it's the manufacturer's fault.
In those other cities, you find fresh, clean, safe vehicles, with four hubcaps and air-conditioning that works in temperatures above 100 degrees, stuck in traffic.
RONALD PARKER Red Bank, N.J., July 19, 1994


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- Names
- Genres
- Comedy, Kids
- Type
- Released
- Apr 10, 2016
Nameko Forest gathers nameko from all over the world. They form the Nameko Universal Ranger (NUR) to convey the charm of the forest. It's an everyday life of inviting new nameko with unique personalities to the forests. What incident will happen today?
Currently unavailable. Episodes will be added as soon as they have aired.


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- Home
- Spiritual Authors and Teachers
- El Capitano
El Capitano
Little is known of El Capitano's early life, including his exact name: other spellings of his last name include ZedRoyale. He was born on Barbados sometime around 1970.
Articles by this Author
Two simple, everyday questions. Why? and How?
- Published 08/8/2011
- Wisdom
- Unrated
So, sometime ago I've a met a bright young man who was talking about two simple, everyday questions: Why? and How? He showed me that in every realm of our daily lives, such as work, love or play, we do face these two questions. He noticed how children always tend to ask the "why" question and they do ask it lots of times a day! "Why?" is a great question!


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MAD-Aid started in 2012 with MAD Moldovan women living in the United Kingdom. That is as in MAD – passionate – about giving back to their country of origin.
MAD-Aid has flourished only with support of people who cared: trustees, supporters and aimed for more Moldovans.
In 2015 alongside existing trustee, Iurii Bivol, moldovan, a London self-made businessman, joined the MAD-Aid's board of trustees.
And now, in 2017, MAD-Aid steps into yet another era – with yet another great Moldovan supporter. Meet Vadim Turcanu – a serial entrepreneur and author.
Vadim, so much like everyone else at MAD-Aid, wants to make a difference in Moldova. He only learned about our charity a few weeks ago and already he has generously offered to donate the sales proceeds of his first 100 books – a limited edition – to MAD-Aid.
Please donate the minimum of £30 and Vadim personally will sign and ship you the book.
You can help both yourself and the mission of MAD-Aid by pressing the link and buying a signed copy of Vadim's book. Be assured it will inspire and change your life.
Furthermore, why not join us at the event where you can meet Vadim, Victoria and Iurii in person, as well as hear about many other inspirational books.
In "No One's Business" a courageous young man from Moldova walks for six months to reach a destination he knows nothing about, a new country, where even going to prison is a better option than what he left behind…
Vadim Turcanu is a successful entrepreneur, judo champion and philanthropist who shares his own vision to make better life choices. The author shares his true story as it happened to him, about when he walked barefoot for six months with nothing but his own dream to be a winner at the game of life.
If you are thinking, "why do I need to know his story?" the answer is very simple: you can learn more about who you are and how to overcome limiting beliefs and social conditioning. But the key message of this book is that you are a migrant yourself, even if you have never left the comfort of your home to look for a better life, even after you have achieved what was expected of you, because you still have the right to be curious about who you are and what is obtainable when you open your mind to other people's experience. You learn what they did to become so successful.
You see, migration is not only about geography; it's not limited to moving from a village to a city, or from one country to another. It's about transforming from where you are in your life at present to where you want to be.
PS: When buying the book please insert your mail and address so we can post it quickly. Thank you


text: Kishan Maharaj is the recipient of Padma Vibhushan, the second highest civilian award of India. See also List of Padma Vibhushan recipients Wikipedia has an article related to: Kishan Maharaj Retrieved from "http://india.wikia.com/wiki/Kishan_Maharaj?oldid=15433" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Indian people Kishan Maharaj


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Extend your diving
If you ask the majority of divers to define technical diving you will probably end up with a definition at least partly based on depth.
Koh Tao, Thailand
Although the ability to dive deeper than recreational limits has always been one of the major aspects of technical diving it is by no means the only aspect. Technical diving is about extending your diving and this extension can develop along a number of different dimensions.
One of the biggest advantages to using technical diving techniques is in extending the length of the dive rather than the depth. For example a recreational diver with a Deep Diver specialty is certified to dive to 40m. However, 40m recreational dives don't make a lot of sense. The no stop limit for 40m is between 8 and 10 minutes depending on the tables you use. If you have spent three hours driving to the coast and another two hours on a boat to get out to a wreck then that is a round trip time of ten hours for a ten minute bottom time. That's an hour traveling time for every minute on the wreck. Similarly if we add up the cost of the fuel for the drive, cylinder fills for the dive, charter fee for the day, possibly overnight accommodation and all the other costs then it results in a huge cost for each minute spent on the wreck.
Of course that ten minutes also includes the descent time so we often end up spending only five minutes on the wreck itself. If the tide is running or you are dropped on a part of the wreck where there are no interesting features then this can be reduced even further. If we know that we only have a few minutes on the wreck then we tend to rush more and as a result may miss interesting points. The temptation to rush the descent in order to get more time on the wreck combined with the overall time pressure also increases the risk of nitrogen narcosis. Thinking back to my own experience of 40m no stop dives I can remember lots of enthusiasm and excitement before the dive followed by a feeling after-wards that the dive didn't quite live up to expectations. I always felt that I hadn't really seen the wreck and had no feel for how it was lying and the structure of the wreck. There was always a feeling that although that dive was a bit of a disappointment the next dive would be better and I would get a better view of the wreck next time. On those dives where we were lucky and had fantastic visibility there was a huge feeling of regret that we couldn't stay longer on the wreck.
Technical diving and specifically decompression diving offers the possibility of significantly increasing the time you can spend on the wreck with only marginal increases in cost, effort or risk. Once you are properly equipped and trained for decompression diving then the no stop time disappears as a limitation of your diving. If you are prepared to undertake a certain amount of decompression stops on the ascent then you can pass that no stop time and enjoy a significantly increased time on the bottom. For example, if we increase our bottom time from ten minutes to 20 minutes then we in effect more than double our actual time on the wreck as the descent time stays the same. This means that we are getting more than twice as much time on the wreck for the same cost, the same travelling time and almost the same effort. This extra ten minutes will give us much more time to explore the wreck and get a feel for the layout. We can certainly see more of a wreck in a single 20-minute dive than we will in two ten-minute dives. Now the price of this extra time is that we will have to perform decompression stops on the way back to the surface. In this case a 20-minute bottom time will give us 11 minutes of decompression stops. This seems to be well worth the effort. An additional 11 minutes of decompression at the end of the dive doesn't seem to be an unreasonable cost to pay for the increased time on the bottom. After all getting time on the bottom is why we dive.
As we increase the time on the bottom the amount of decompression also increases. If we do a 30-minute bottom time then we will have to do 30 minutes of decompression on the way back up. While 30 minutes on a wreck is very appealing, 30 minutes of decompression is now starting to become a significant price to pay. For many divers 30 minutes of decompression is a significant amount and they start to think that the benefit to cost relationship is starting to swing too far towards the cost. In addition, as the decompression obligation increases the gas reserves that are required start to increase. However there are additional ways that technical diving techniques can start to help.
The above examples were all worked out assuming that the diver is breathing air. However, by changing our breathing gas we can gain a further advantage. For no stop dives at 40m the advantage of nitrox is minimal. The risk of oxygen toxicity means that we can only use relatively weak nitrox mixtures which have a minimal effect on no stop times. Using EAN28 at 40m increases our no stop time from eight minutes to 12 minutes. Although this is a 50 per cent increase the additional cost of a nitrox fill for four minutes extra on the bottom is often judged to be not worth it. However, for decompression dives the advantage becomes more noticeable. In the example above, a dive to 40m for a bottom time of 30 minutes resulted in 30 minutes of decompression if we are breathing air. On the other hand the same dive, using EAN28 rather than air, gives only 17 minutes of decompression.
Although this is less than the 50 per cent advantage on the no stop dive a saving of 13 minutes is much more noticeable and is often considered to be well worth the cost and effort of using nitrox rather than air. We have already established that we can see more of the wreck in a single 20-minute dive than in two ten-minute dives and this principle is even more applicable for a 30-minute dive. We have the time to properly explore the wreck, to investigate certain areas in detail and even to start to penetrate into the interior of the wreck. We can often swim the length of a wreck and see the bigger picture of the shape, condition and layout of the wreck. It's not until you start to do longer dives on a 40m wreck that you can even start to get an overall feel for the wreck and really start to get to know it. For wreck researchers this length of bottom time is very valuable in providing time to be able to start identifying features and begin the process of identification.
In addition to using nitrox as our main breathing gas, technical diving techniques also allow us to switch to a second nitrox mix during the decompression in order to further optimise our decompression. Decompression stops allow time for dissolved nitrogen to come out of the body. We cannot ascend any higher until a certain amount of nitrogen has been allowed to escape. If we do ascend before the required amount of nitrogen has been allowed to escape then it will form bubbles which is the cause of decompression sickness (DCI). When we switch to a second nitrox mixture with a higher percentage of oxygen, and by implication a lower percentage of nitrogen, the nitrogen dissolved in our body comes out faster and so we don't need to wait as long before we can move up in the water. This is why the technique is known as accelerated decompression, although some people prefer the term optimised decompression.
By using EAN50 as a decompression gas we can reduce our decompression to 13 minutes and by using EAN80 or even 100 per cent oxygen we can reduce it to just nine minutes. Alternatively we could further increase our bottom time to 35 or even 40 minutes until we reached the maximum amount of decompression time we were happy to do. Of course you don't get anything for free and using this technique introduces a number of other considerations that the diver will need to take into account. In particular, much more detailed gas planning and the risk of oxygen toxicity must be considered. This is why specialised training is required in order to make use of these specific tools. In particular the decompression times and dive practices contained in these examples should not be taken as correct and are only provided for illustration (that should keep the lawyers happy).
It should now be starting to become clear why some qualifications limit the time as well as the depth of the dive. There is only so much trouble you can get into on a no stop dive whereas there is more potential for problems on a decompression dive. Recreational dive qualifications limit divers to no stop times to limit the risks they are exposed to. Some other courses limit the diver to 15 minutes of decompression and are sometimes referred to as advanced recreational courses rather than full technical courses. As the diver progresses to full technical courses then the skills they will learn and the planning techniques they will use means that there is no limit on the amount of decompression a diver can carry out as long as they stay within the safe limits of gas availability, CNS and all other planning variables. In many cases it will be the diver's own personal limits rather than any external factor that determines the maximum amount of decompression they want to do.
The skills contained within technical diving courses that allow a diver to extend the time they can spend on the wreck are also a way to extend your diving. Many people undertake this training so that they can be safer and more skilled at the depths they are currently diving at rather than to progress any deeper. The skills required for technical diving can also make you a significantly better recreational diver. Having better buoyancy control, awareness of your situation and of your buddy will all help to make you a better diver. Together with better self rescue and buddy rescue skills they will also make you a safer diver no matter what depth you are at.
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Grilled Rainbow Peppers (Salad)
Be the first to review
READY IN: 20mins
Recipe by jenne
Recipe from Mary Allen Perry and cut out of a magazine last month, but I have no idea what magazine it was.. .sorry about that!! I tend to like to remove the skins, so I completely char the peppers on the skin side, place them all in a paper bag for about 15 minutes, then slide the skins right off.
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Ingredients Nutrition
- 3 bell peppers (use all different colors if you can)
- 3 tablespoons olive oil
- 2 tablespoons balsamic vinegar
- 1 tablespoon brown sugar
- 1⁄2 cup goat cheese (I used much less, and I have subbed Feta too)
- 1⁄2 cup loosely packed torn fresh basil leaf (optional)
- salt and pepper
Directions See How It's Made
- Preheat grill to 350 to 400 degrees (medium-high). Quarter the peppers and lightly coat them with vegetable cooking spray.
- Grill peppers, covered with grill lid, for 5 minutes on each side until tender.
- Remove from grill and arrange peppers, "inside" sides up, on a serving platter.
- Whisk together oil, vinegar and sugar; drizzle over the peppers. NOTE: If you are using high grade vinegar that is already thick and sweet, there is no need to add the sugar.
- Sprinkle peppers with goat cheese & basil - then salt and pepper to taste.
- Serve!


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