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Things to Do
Contact Us
Mountain Inn Condos is not a motel. We are "rent by owner" condos. Advanced reservations are required. Each condo is individually owned. At times it may be necessary to move guests around to a different condo from the one that they were originally scheduled in order to maximize the number of reservations that we can accommodate. Therefore, your condo number is subject to change. Should this occur, guests will be moved to a similar (same size & same rate) condo and notified by email and/or phone.
Payment Procedures -
All reservations secured by credit card. Your card will be charged at the time of check-in, and your receipt will be emailed to you after your checkout. Credit card information is required to hold your reservation. If you neglect to return your condo key, we will charge your card to cover the cost of lock and key replacement. On occasion, such as a holiday or event weekend, full payment may be required at the time of reservation, at the condo owner's discretion.
Cancellation Policies -
Guests must cancel your reservation 48 hours (winter) or 72 hours (summer) prior to your reservation, or their credit card will be charged the full amount of the reservation. Guests must also give the same amount of notice to decrease the number of nights reserved. In the event of a no-show, guests will be charged for the full reservation.
No Smoking/No Pets/No Open Flames -
Smoking and pets are strictly prohibited. $250.00 will be automatically charged for the following: if you have a pet on the premises or if smoking occurred in the cabin (this includes the front door entrance). All of our cabins are smoke free and pet free. We also have a strict "no open flames" (candles, incense, etc.) policy. Failure to comply with these policies will result in charges to your credit card to pay for cleaning and/or damages, regardless of the amount. The renter giving us his/her credit card information acts as the agreement to abide by these policies.
Damages -
Any damage other than the normal wear of renting (as to be determined by the condo owner) will result in charges to your credit card to pay for cleaning and/or repairs, regardless of the amount. The renter giving us his/her credit card information acts as the agreement to abide by these policies.
Cleaning -
We do not clean daily. For weekly or long term renters, mid-week cleaning of condominium units is available upon request, for an additional charge. Our checkout procedure (posted in the condos and in the guest's confirmation email) must be followed — no exceptions. Prior to departure, the condo must be left in a clean and orderly condition. Please wash the dishes, put used sheets, pillowcases, and towels in laundry basket and place by the front door, remove and tie up all garbage (including cigarette butts or other trash around the outside of the condo. Please lock the condo and leave the key (if applicable) in the lock box. A cleaning fee of $30.00 will be charged for units left in an unclean or disorderly condition. A $100.00 cleaning fee will be charged for units with spills/stains on furnishings (i.e. furniture, carpet, bedding, towels).
Check In/Check Out -
Check-in time is anytime after 4:00 p.m. Checkout is 11:00 a.m. Please make sure you are out by this time, and that you have completed our simple check-out procedure (posted in condos) to avoid late charges.
Liability -
Lessor shall not be liable for any injury or damage that may be sustained by the person or property of Lessee, or any other persons or property, including Lessee's guests. Lessee agrees not to do or suffer anything to be done by which persons or property on or about or adjacent to the rental property may be injured, damaged or endangered. Use of the property for public recreational purposes is subject to Wyoming Code, Limitations of Liability of Land owner.
Maximum Occupancy -
Occupancy includes adults, children and infants. The maximum occupancy for the cabins shall not be exceeded. We do not allow sleeping on the floor (no air mattress, sleeping bags, etc.). Our facilities (i.e. hot tub, pool, free golf passes) are for our guests only. We do not allow people (campers, guest of other hotels, etc.) staying off-site to use the facilities. Tents and RV's are not allowed. NO EXCEPTIONS. Exceeding or breaking any occupancy rules is reason for immediate eviction without refund.
Pool -
No lifeguard on duty. Use at your own risk. Parents are responsible to watch their children. No children under 16 years old allowed, without a parent. Pool and hot tub opens and closes at approximately 9 a.m. and 9 p.m. daily. Guests who remove the pool cover or tamper with the pool and/or hot tub heating controls will be fined $100.
Golfing -
During golf season at the Valley View Golf Course guests are entitled to two FREE golf pass, per day. Restrictions apply for holidays & weekends. Please let us know when you make your reservation if you wish to golf, so that we can give your reservation info to the Golf Clubhouse. You are responsible to arrange your tee-times, etc. Please visit the Valley View Golf Course Website for info about the golf course such as golf pass restrictions, rules, Pro-shop phone number, and cart rental rates.
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Star Valley Wyoming
83542 Hwy 89 Afton, Wyoming 83110
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Whenever anyone asks me whether the gender of their divorce lawyer matters, my first question is always: Does it matter to whom? Does it matter to the judge, the client, the other lawyer in the case? Or is the real question is: Will I get a better deal with a male or female lawyer? While having the right lawyer is extremely important, asking about the gender of that lawyer may be asking the wrong question.
Gender and the Judge
Do judges care whether the lawyers who appear before them are male or female? Not really. Yes, in some parts of the country there may still be an "old boys network" where judges tend to favor certain lawyers over others, but that favoritism is usually based upon familiarity more than gender.
Just like every other human being on the planet, judges tend to be more comfortable with people they know rather than with people they don't know. So, judges tend to give the lawyers who appear before them consistently the benefit of the doubt. Strangers may have to prove themselves.
Gender and the Client
Some people work better with men, others work better with women. Some clients need a lawyer to keep them in line and moving in the right direction. They need someone who is more of an authority figure, and is not afraid to be hard on them. Others need a lawyer who understands and can relate to them. They don't want a lawyer who yells at them. (Yes, there are lawyers who regularly make their clients cry!)
While most people assume that men are more aggressive and women are softer when it comes to lawyers, that is not always true. I have known ball-buster, female lawyers, and sensitive male lawyers. The difference tends to come down to personality more than gender. But if, as a client, you are more comfortable working with a female lawyer, then by all means, hire a woman! If you prefer to work with a man, then hire a male lawyer.
The Lawyer's Perspective
From a lawyer's perspective, the gender of opposing counsel makes no difference at all. Male lawyers are no better, tougher, or more difficult to get along with than female lawyers. But, even though the gender of the other lawyer in a case is not particularly important, other qualities about that lawyer will makes all the difference in the world.
Better Questions
If asking whether a lawyer is male or female is not the right question to ask, what is? These three questions:
1. Who is the lawyer?
2. Does the lawyer have time for you?
3. What kind of divorce process does that lawyer use the most?
Who a Lawyer Is
The question of "who a lawyer is" encompasses a lot, and it is probably the single most important question to ask yourself about any lawyer before you hire them. Who is this person? What is his/her reputation? How does s/he operate? Is this person fair? Is s/he honest? Is s/he experienced? Does this lawyer know the law, the court system, and the judges?
All of these questions are designed to provide you with the information you need to answer the one question that matters the most to you: Can this lawyer competently represent you and help you achieve your goals in your case? If not, then it doesn't matter whether the lawyer is male or female. That lawyer is not right for you.
Does the Lawyer Have Time for You?
You can have the best divorce lawyer in the country, but if that lawyer does not have the time to devote to your case, you are not going to be happy with the result. If your lawyer is part of a big law firm that has dozens of junior associates ready to handle your case, that's fine. That means your case will not be neglected. (… at least in theory). But it doesn't mean that you will get the attention you wanted from the lawyer you actually hired.
Solo lawyers are not necessarily better. They can be. At least, when you hire a sole practitioner you know which lawyer is going to be handling your case. But if your solo lawyer gets buried in other work, your case might take longer to resolve than you thought.
What Kind of Divorce Process Does The Lawyer Use the Most?
There are at least four different divorce processes that are commonly used in this country: litigation, negotiation, mediation and collaborative divorce. If you want to mediate your case, but you hire an ace litigator to represent you, your mediation has a greater chance of failing than it would have had if you had hired an attorney who was mediation friendly. If you hire a lawyer who is skilled at negotiation, but lousy in a courtroom, and you end up going to trial, you are going to get screwed. You have to hire the right lawyer for the divorce process you use.
Your Lawyer Matters
Other than you and your spouse, your lawyer is the person who is likely to make the biggest difference in your divorce case. In the big picture, whether that lawyer is male or female probably won't matter much. What will matter, is asking yourself a better question: Can this lawyer help me achieve my goals in this divorce in the time frame I want, and at a price I can afford?
Related Articles:
- You've Hired A Divorce Attorney! Now What?
- What To Do When You're Frustrated With Your Attorney
- Help! I Hate my Lawyer More Than My Husband!
- Looking For A Divorce Lawyer? Keep These 10 Things In Mind

subset: commoncrawl


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Keep records and claims data out of the wrong hands.
There are a number of regulations that apply to any healthcare entity that electronically processes, stores, transmits, or receives medical records, claims, or remittances (e-PHI). This includes all healthcare providers, insurance companies, and clearing houses.
Here are a few things you need to know about healthcare compliance:
- Data security compliance covers computer hard drives, media, and paper documents.
- All companies must have places designated to maintain privacy across all media through the entire IT lifecycle—from encryption to retention and retirement (destruction).
- Two-key access encryption is required when individually identifiable health information is sent over a public network.
- Storage media that will be physically destroyed must first be degaussed per NSA and DoD standards. Physical destruction consists of bending, mangling, and breaking the unit.
- Storage media that will be repurposed must be eradicated through the use of Secure Erase firmware or via NIST-800-88 certified data eradication protocols.
The CentricsIT suite is customized to the specific market regulations of each vertical. Our Healthcare services include a repurposing/remarketing suite and a versatile onsite data destruction solution. CentricsIT applies NIST 800-88 certified destruction protocols to both spinning and SSD/Flash technologies. Onsite shredding services are also available. Each engagement is governed by a detailed Service Level Agreement and produces a comprehensive subset of deliverables and compliance reports.
Our ITAD suite fully complies with BAN's e-Steward program, which prohibits landfill disposal or export of electronic waste (non-functional assets and material by-product). As an environmental steward, CentricsIT ensures that all recycled material is processed in accordance with all federal, state, and local regulations.


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TarynI enjoy seeking out virtual teaching opportunities, especially in blended classrooms and online based classrooms. I know that distance can put a barrier in the way of learning, so I want to offer online courses to students who are in need of an education regardless of where they are. I earned my bachelor's degree in psychology from the University of Phoenix-San Marcos Campus and a master's degree in marriage and family therapy from the University of Phoenix-San Diego Campus. I can help with many subjects such as test prep, pre-algebra, algebra, English, writing, and more. I like archery, blacksmithing, and playing the Xbox one and pc games in my free time.
University of Phoenix-San Marcos Campus - Bachelor of Science, Psychology
University of Phoenix-San Diego Campus - Master of Science, Marriage and Family Therapy
High School Level American History
Middle School Writing
Test Prep
Middle School Reading
+35 subjects
OguzMy name is Oguz, and I'm studying electrical engineering at Palomar College in anticipation of the transfer to the University of California - San Diego. I've experience tutoring students in math courses such as AP calculus AB and Algebra 2. I find math fascinating and I enjoy helping others develop their mathematical skills. Contact me if you're looking to become a stronger mathematician. I look forward to working with you.
Palomar College - Aeronautical Engineer, Electrical Engineering
AP Calculus AB
Elementary School Math
+4 subjects
BrandonI'm Brandon, and my goal as a tutor is to provide an effective learning environment where students have a good time learning. I'm currently attending the Westminster Theological Seminary for a graduate degree in Bible studies. I really enjoy helping students learn subjects like Latin, English, Hebrew, writing, and Greek. I love to learn, and I'm looking forward to helping students become enthusiastic about learning as well. My other interests include exercise, reading, and cooking.
University of Maryland-College Park - Bachelor in Arts, Communication, General
Westminster Theological Seminary in California - Master of Arts, Bible Studies
Latin 3
Latin 2
Latin 1
+5 subjects


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Cleaning Simplified
In 2010 we started our line of cleaning products called Deck Mate. Reason for this; we found, after 9 years of experience with cleaning application products, that prices of cleaning products for maritime market were extremely high. The reason for this was the very many links between the manufacturer and the end user. Prices rose and were so high that for a brush and a handle that serve for cleaning, the user paid the price as for an art object.
At that time WIC also saw a growing need for cleaning items on exchangeable handles of a high quality at a competitive price. In view of our experience and our capacity of large stocks, we have been able to avoid many links between production and the end user. We deliberately opted for a limited line with good and quickly marketable products, resulting in lower prices.
Our products are partly purchased from reputable companies worldwide and the rest is produced in our own company. 85% of all products are packed by us after inspection and provided with required product information and instructions.
In addition to Deck Mate, WIC also produces and distributes the Comfort Seat. A high-quality seating cushion with integrated frame work so that back support is not necessary. Check the site. www.comfortseat.nl
WIC guarantees high quality production of water sports and leisure products, cushions and cleaning line for boat, car, RV and household
Theo van Ham
Managing board


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Loving Cologne
At least a couple of times a year I visit my cousin Martine, she now lives in Cologne, Germany. Somehow the weather Gods always gives me a tap on the shoulder and says «Christopher, enjoy the great weather in Cologne.» Just kidding! But not really.
Cologne has some great things to offer but it always helps having someone by your side in new cities. Previously I have stayed at Pullman Cologne. This time my choice landed on the Steigenberger Hotel. Pullman was a great hotel, but do yourself a favor and call the hotel in advance, explaining how important aircondition is for you. No wonder we had to change rooms a couple of times. When traveling I am usually extremely easy going, but AC is a must.
Both Steigenberger and Pullman are great hotels. The breakfast is nice, rooms are neat, staff is super nice. For me, what eventually leads to Pullman being the winner is the spa area, it's not the Four Seasons, but at least it is a spa, and I love relaxation areas. And actually it was quite nice, with a outdoor area as well as indoors. No swimming pool though. Pullman also has a small gym where you can find some equipments such as small weights, treadmills and more. This is golden when you spend multiple days eating, eating, eating and drinking rosé. Congrats Chris for that cliché. Well, what better to do when you travel, shopping maybe?
Wait a minute, before you go shopping, please visit the Cologne Cathedral, and please go inside. It's quite epic!
Now, lets talk some shopping. Cologne as any other European city has a lot to offer, you just have to look for the right places. Cosmetics, clothes, manicure spas, Cologne has it all. Scroll down and I'll tell you more.
Amongst many places you have Belgisches Viertel, a small area with shops, boutiques and restaurants. Remember, Pullman has treadmills, dont't worry.
You also have a larger area called Brüsseler Platz where the locals meet up for «Kölsch» (beer) after work. For shopping: Ehrenstraße. More bars and restaurants: Aachener Straße. We love that! Another thing to love about Cologne, they have killer prices on food and drinks. Not the kind that kills your wallet, but the other killer kind of prices, the right kind of killer kind of prices.
Cologne also has a huge bridge right behind the cathedral, so why don't you bring your loved one.
Get your Cologne groove on with this Spotify playlist. If you have ever visited Cologne or know of other cities you think I should go to, please leave a comment or DM me on Instagram @christophermhusby.


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Название:Fearless Symmetry: Exposing the Hidden Patterns of Numbers (New Edition)
Автор:Avner Ash, Robert Gross
Издательство:Princeton University Press
Дата издания:2008-08-04
Размер: 1,6 MB
Mathematicians solve equations, or try to. But sometimes the solutions are not as interesting as the beautiful symmetric patterns that lead to them. Written in a friendly style for a general audience, Fearless Symmetry is the first popular math book to discuss these elegant and mysterious patterns and the ingenious techniques mathematicians use to uncover them.
Hidden symmetries were first discovered nearly two hundred years ago by French mathematician Г‰variste Galois. They have been used extensively in the oldest and largest branch of mathematics--number theory--for such diverse applications as acoustics, radar, and codes and ciphers. They have also been employed in the study of Fibonacci numbers and to attack well-known problems such as Fermat's Last Theorem, Pythagorean Triples, and the ever-elusive Riemann Hypothesis. Mathematicians are still devising techniques for teasing out these mysterious patterns, and their uses are limited only by the imagination.
The first popular book to address representation theory and reciprocity laws, Fearless Symmetry focuses on how mathematicians solve equations and prove theorems. It discusses rules of math and why they are just as important as those in any games one might play. The book starts with basic properties of integers and permutations and reaches current research in number theory. Along the way, it takes delightful historical and philosophical digressions. Required reading for all math buffs, the book will appeal to anyone curious about popular mathematics and its myriad contributions to everyday life.
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Pages are an awesome way to express yourself whether you use them to blog, story tell, or even as a photo gallery.
How To Create A Page
1. Click the create button "+".
2. Click the "Page" icon.
3. Add an optional cover photo.
4. Add required Page title and description.
5. Add content to the Page from the app by clicking into "Start writing here..." or if writing from the web click "Add new story" and begin typing.
6. To add photos, videos or embedded links on the web, be sure to click the "+" icon to the left of the story and choose the icon accordingly.
7. To create a Page for another Holospace you own, click your profile image located at the top of the Page creation.
8. When finished creating the Page, click "Next" in the upper right hand corner.
9. From here, select "Add a category" to categorize your content. Be sure to select topics that are relevant to your Page in order for it to be easily discovered.
10. Next you have the option to select "Add to Channel" if you would like to add your Page into a specific Channel already created or add a new Channel.
11. Select "Share to Social Media" if you would like to share your Page directly with your connected social apps.
12. To publish immediately, click "Publish" located at the bottom of the screen.
13. Select "Save as Draft" if you prefer to save and publish later.


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Young Ophthalmologists
Mark Kontos, MD, speaks with William Wiley, MD, and George Waring IV, MD, about different resources available for young ophthalmologists to find professional camaraderie and paths to foster industry relationships.
6,577 video views since 2/18/2014.
124,809 total series views.


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Government on Thursday announced a sudden u-turn on its decision to grant a venue for the newly formed opposition coalition to hold its first rally.
Housing ministry had finally yielded to opposition pressure on Tuesday after top opposition officials camped inside the housing ministry to obtain the permit to hold the rally more than a month after putting in the request.
Housing minister Dr Mohamed Muizzu called a sudden press conference to annul the permit insisting that the government cannot allow a rally intended to incite the public to commit an unlawful act."
"We will not allow anyone to undermine the peace and stability of the country," Muizzu said during the press conference before walking out without taking questions.
The Maldives United Opposition had announced its plans to hold its first rally on Thursday and had put in a request for permission over a month ago.
MUO top officials had gone down to the housing ministry hoping to get a reply to the request to hold the rally at the carnival area in the capital Male.
Officials had also met members of the elections commission in a bid to push for the permission.
Elections Commission had later urged the housing ministry to grant the opposition request.
The newly formed opposition alliance had said it will seek to oust incumbent president Abdulla Yameen Abdul Gayoom and form an interim government to ensure free and fair elections scheduled in 2018.
The Maldives United Opposition brings together the Maldivian Democratic Party, the Adhaalath Party, two of president Abdulla Yameen Abdul Gayoom's former deputies and his former defence minister.
A ban on street protests in the capital Male has been in force since a police crackdown on a three-day protest staged by the MDP last November. The police have since blocked the opposition's anti-corruption walks as well as marches by the media and civil society.


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Today brought an experience that reminded me why I do what I do. I love marine life (surprise!), love to paint marine life, and hope that my work can inspire people to care about marine life just a bit more. I also hope that through sharing my art more people can experience the joy that can come from painting the things you love.
I was recently told by a family member on my husband's side that she'd shown my paintings to her animal-loving niece, who has special needs. She said that her niece had loved my work and that it had inspired her to start painting, which is a huge compliment for any artist. I was actually able to meet this girl today, and she presented me with this:
I was beyond touched. To have inspired someone to pick up a paintbrush is one thing, but to actually be given something they did as a thank you is simply wonderful. Not only that, but Keiko was an orca that was close to my heart (as he was for a lot of us), and being able to bond with her over our connection to this particular animal was especially lovely. This will be going up on the wall of my studio for those occasions – us arty types all have them – when I may need reminding of why I paint. Thank you, Elaine!


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Monsters and MenDVD - 2019 | Widescreen edition.
From the critics
Community Activity
CommentAdd a Comment
An interesting perspective, of injustice, by
a "police brother", who is in a precarious
The movie had moments of logos ( order, truth ). Respected the message. Than the ending happens. I can only describe the ending as the type were you watch. Than go on to defy all known physics by building a time machine... Just to get back the time you wasted watching this &!$#ing movie.. Accomplishing all of that even though you failed grade 10 math.
It was OK. I did like the varying perspectives on how these incidents affect more than just the victim.
Excellent movie. I wish it had gone a bit deeper into the subject matter, but all in all a really great movie. The acting, scenery, music all done exceptionally well.
I can't begin to truly understand what young people of color are going through in this country, but to have this window into their world is priceless and I hope it only helps the changes come that are needed in our communities and our nation. It was good to see both sides of the line for them, to see how we silence their voices, tie their hands, threaten their livelyhoods and futures. I have to say, I am horrified by the targeting that goes on based on color. If we are going to profile, we should do it by behavior, not race, religion, sex or anything else. As a woman of my generation, I have had my own challenges at home and in the workplace, but to have that and worry about getting stopped at anytime for no reason and no guarantee of a just outcome, that is just unacceptable. I know there are plenty of good law enforcement officers out there, it's too bad a few ruin it for everyone. Let us continue to allow the voices to be heard and to educate everyone for the generations to come.
One night, in front of a bodega in Brooklyn's Bed-Stuy neighborhood, Manny Ortega witnesses a white police officer wrongfully gun down a neighborhood street hustler, and Manny films the incident on his phone. Now he's faced with a dilemma: release the video and bring unwanted exposure to himself and his family, or keep the video private and be complicit in the injustice? With a deep sense of humanity and a deft directorial hand, Reinaldo Marcus Green smartly reformulates the traditional construction of "protagonist" to magnify the power of perspective. Green tells the story of how the footage affects the lives of three upstanding men in Bed-Stuy--a young father striving to support his new family, an African American cop dealing with the fallout of his colleague's mistake, and a star high school athlete who becomes politicized by the incident. Each man is very different, but they equally feel the urgency of the question they must all face: should I take moral action or remain safely on the sidelines? Green provokes viewers to ask themselves the same question.
The complicated and often deadly relationship between cops and people of color has been going on for decades. The frustration, fear and injustice people of color feel is very well captured in this movie.
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A geostationary orbit, or Geostationary Earth Orbit (GEO), is a circular orbit 35,786 kilometres above the Earth's equator and following the direction of the Earth's rotation. An object in such an orbit has an orbital period equal to the Earth's rotational period, and thus appears motionless, at a fixed position in the sky, to ground observers.
All stories in Geostationary orbit
Why your app idea is just 'meh' and won't succeed
You heard me correctly, I said "meh." I'm not talking about the "meh" used to ironically describe something beautiful/awe-inspiring; ...
The new space race is all about satellites: Pros and cons of each orbit
For most people, satellites probably bring to mind things like weather forecasts, GPS, or satellite TV broadcasting. Other ...


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New Zealand take unbelievable catch in Cricket World Cup semi-final
Due to consistent rain stopping play yesterday afternoon, New Zealand and India are having to carry on their Cricket World Cup semi-final today.
With just a handful of overs remaining in New Zealand's innings, they resumed on 211-5, and eventually finished on 239-8.
What seemed a relatively easy target for the world number one side in India, quickly became a tricky test when they lost wickets with relative ease.
India's three opening batsmen were all dismissed for a grand total of three.
Rohit Sharma was the first to go when he edged behind, and he was soon followed by his captain Virat Kohli, who was trapped LBW.
Knowing how important his wicket is, Kohli decided to appeal the decision, but it was unsuccessful as replays showed the ball was clipping the top of the bails.
A very worrying start for the favourites, and all of a sudden New Zealand were believing they could topple the team ranked best in the world.
Their hopes were boosted even further when Sharma and Kohli were joined in the pavilion by opener KL Rahul.
Things were all looking very easy for New Zealand, however, one of the wickets certainly wasn't easy.
When Dinesh Karthik sliced away off a thick outside edge, Jimmy Neesham at point dived low to his left, grabbing the ball in one hand just millimetres above the ground.
Considering the ball was never higher than knee point, Neesham is receiving a lot of plaudits for his incredible take.
To help, it's no surprise the BBC posted: 'This is scarcely believable. Catch of the World Cup? Easily. It's one of the best catches of all time.'
As of writing this article, India are 45-4 and have faced 16 overs.News Now - Sport News


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Search me, O God, and know my heart! Try me and know my thoughts! And see if there be any grievous way in me, and lead me in the way everlasting! Psalm 139:23-24.
Posts tagged Guidance of God
Guidance of God
I will instruct you and teach you in the way you should go; I will counsel you with my eye upon you. Psalm 32:8.
Intimacy with God brings clarity
I will go before you and will level the mountains; I will break down gates of bronze and cut through bars of iron. Isaiah 45:2.
Intimacy with God brings clarity
That is why I am suffering as I am. Yet this is no cause for shame, because I know whom I have believed, and am convinced that he is able to guard what I have entrusted to him until that day. 2 Timothy 1:12.
Intimacy with God brings clarity
Your word is a lamp for my feet, a light on my path. Psalms 119:105.
Intimacy with God brings clarity
Speaker: Pr.Johnson Raju Title: Intimacy with God brings clarity Date: 09/13/2015 Download


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Apple has its second-best quarter ever with $58 billion in revenue
Apple's iPhones propelled the company to its second best overall revenue quarter ever.
The Cupertino company sold 61 million iPhones in the March quarter, an increase of about 40% from the same quarter a year earlier, fueled by the success of the larger-screened iPhone 6 and 6 Plus devices introduced last September. Another boon to Apple: China, where sales grew 72% and outpaced the U.S.
Apple posted earnings of $2.33 per share on revenue of $58 billion, up from earnings of $1.66 per share (on a split-adjusted basis) on revenue of $45.6 billion a year earlier.
The company also has $193.5 billion in cash, up from around $150 billion in the year ago quarter. The vast majority of that is being held in offshore accounts, not subject to U.S. taxes.
While iPhone sales and overall revenue were strong, other product categories are more uncertain.
Sales of the iPad, already flatlining, fell to 12.6 million in the most recent quarter from more than 16 million in the same quarter a year earlier, suggesting a slower upgrade cycle and the possibility that the larger iPhones are cannibalizing the need for the tablets.
As expected, Apple did not break out hard numbers for the Apple Watch, the new line of easily scratched smartwatches that went on sale in stores on Friday.
Apple CEO Tim Cook said on the call that demand for the watch has outpaced supply, but the company has "made progress over the last week or so" to improve that.
One complication Cook hinted at: figuring out customer preference for certain "configurations," presumably referring to stocking up enough on specific watch band choices.
"It is a new product for us and with any kind of new product you end up taking some time to fully ramp," Cook said on the call. "Having said that, I think we are in a good position and by some time in late June we currently anticipate being in a position that we could begin to sell the Apple Watch in additional countries."
Apple stock ticked up by as much as 2% in after hours trading thanks in part to the fact that the company beat estimates for its earnings and an announcement that the company is boosting its program to buy back sharesby another $50 billion, which makes it a $200 billion program.
The stock has been trading near all-time highs in recent weeks, giving the company a market cap north of three quarters of a trillion dollars.


text: Denny2669 275 Posted October 14, 2019 Share Posted October 14, 2019 7 minutes ago, Cyriann said: "Yeah I can try but Dino, please don't call me electro-boy like that it's..." I shudder a bit. "Disturbing ok ?" She is nice I can do so too. "Sure thing kid." Dino complied. After all, she knows his name now, might as well use it. Thanks to the light he produced she could watch her step now, though the sight of the sewage is almost as bad as the smell. She opted for looking at the walls and ceiling instead, checking the construction, trying to figure out how old this sewer system is. Lasria is a place of great historical value after all, the architects of old put more value into their craft than the corporations of today, especially that of that man... 10 hours ago, Spikey844 said: And so Gabby, with all the authority that an 11 year can muster, raised a hand and pointed at Dino, before promptly declaring, "That was a bad word. Say sorry." Suddenly, she froze. Aw crap... she did just swear in front of a kid, didn't she? Now this is a seriously awkward moment, even being called out by the kid. She's a sharp one though, she has to admit. "R-right... sorry. For, um, swearing." She said that, but if Karl were to look right now, he'd see her gaze, one that told quite clearly "I meant it though." And with the green, cracking hue of Cyriann's mutation, and her hood pulled over, it looked pretty menacing. Link to post Share on other sites


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The Bears are the worst offense in the NFL in the third quarter. Sunday against the Lions, Bears coach John Fox said his team took a "siesta" in the third as they were shutout in the frame in a 27-24 loss.
Sure, if Connor Barth makes his field goal, the Bears go to overtime. The defense giving up two touchdowns in the second quarter didn't help, and neither did Mitch Trubisky fumbling a snap, which D.J. Hayden returned for a touchdown, the worst play of the game for the Bears.
But they have consistently struggled on offense coming out of the locker room after halftime, and for a team with little margin for error, they can't afford to continually put up goose eggs in the third.
"We have lulls. We are not consistently on top of it," Fox said. "Today in the third quarter, that felt it was like a lull. The second quarter for the defense felt like a lull because the Lions had a couple of scoring drives. The Lions get paid too, and that is a good football team. We just have to be able to put 60 minutes together."
The Bears trailed 21-17 to open the second half, but a big defensive stop on the Lions' first drive gave Chicago great field position at midfield. Jordan Howard ran for no gain. Then Trubisky threw back-to-back bad incomplete passes, including when he missed an open Markus Wheaton on a deep corner on third down.
"I just missed a couple throws that I usually make, which is frustrating," Trubisky said. "We just need to continue to be better on third down. That falls on me. I just need to continue to get better with my footwork, hit my open receivers, because we had open guys on those plays. Great play calls, great execution by all the other guys. I've just got to do my part and get the ball to my playmakers. Just need to be more consistent."
The Bears have scored 17 points all season in the third quarter, the lowest total in the NFL. For context, the Lions scored 21 points in the second quarter alone Sunday. The Bears have gone scoreless in the third quarter in seven of their 10 games.
In each of the past four games, the Bears' first drive of the third quarter has resulted in a three-and-out. The only time all season they have scored on their first drive of the second half was in Week 5, when a fake punt led to a touchdown.
What made Sunday's third quarter disappointing was how strong the Bears looked on offense in the first half.
"Everything was working. Throwing the ball good. Running it good. The whole offense was going good," receiver Kendall Wright said. "It slowed down a little bit but when you're up like we were up, their players get paid too, but we have to keep our foot on guys' throats. We can't kill ourselves as an offense. We just have to go out there and make the plays we have to make and not kill ourselves with penalties and things like that. Have to go out there and put points on the board."
In three third-quarter drives, the Bears managed a whopping two first downs, 45 total yards and went a 0-for-3 on third down. That didn't complement a defense that responded to its woeful second quarter by forcing the Lions into three punts.
"We've just gotta make the plays throughout the whole game," Wright said. "It can't be, make plays in the first quarter, second quarter, and then third and fourth you're not making them. That's the ultimate goal for us is to make plays. If you make plays, you'll be in a dogfight, but it'll give you a chance to win the game."
Backed up to the 3-yard line on the second drive of the third, Trubisky had back-to-back first-down throws to Adam Shaheen and Wright. But then Daniel Brown couldn't catch a pass on third-and-6, leading to another punt.
An ineligible man downfield penalty backed the Bears up on the next third-quarter drive, which ended when Howard gained only one yard on third-and-2.
Trubisky's legs and arm helped give the Bears an early 17-7 lead, thanks in part to Howard and Tarik Cohen, and the rookie QB gave his team a chance in the final minute. He has the ability to do that. But this team isn't good enough to take a quarter off.
"We just don't do it for 60 minutes," Fox said. "Nobody, I don't think, is good enough to overcome that. We just have to be more consistent."
Bad teams have a slim margin for error, and the Bears' inability to produce on offense in the third quarter week after week is making things worse for a team that has lost five games by eight points or fewer. And it's not a good look to come out of the locker room every Sunday and lose the chess match to the opposing defense.
"It's always a positive when you give yourself a chance to win, we've just got to come up and win the game. We can't put ourselves in that position either," Wright said. "As an offense, we were moving the ball pretty good. We just can't put ourselves in a position at the end of the game to go down there and try to win. We were up a lot of points. We've just gotta keep our foot on their throats."
(Top photo: Dennis Wierzbicki/USA TODAY Sports)


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First of all, it's good business to avoid all tax penalties. It keeps your record clean and avoids a lot of legal and tax hassles. Understanding the three most common tax penalties will help you avoid getting into trouble.
Penalty #1 The Underpayment Tax Penalty
The IRS expects you to pay your taxes four times a year, not just one. They expect you to pay taxes in April, June, September and January. Each payment is for approximately one quarter of the year. If you try to pay your taxes all at once at the end of the year, you will have the underpayment penalty to pay. It can be anywhere from 0.5% to 3% of the taxes you owe.
The main exception to the underpayment penalty is if you owe less than $1000 in income taxes for the entire year.
Many people who are self-employed in San Diego make the mistake of not making quarterly tax payments. They pay their taxes in April like everyone else. The problem is, the IRS tacks on the penalty, which can end up costing you anywhere from a few hundred dollars to a few thousand.
One way to avoid this penalty is to use the safe harbor method. Take the amount of taxes you paid last year and divide it into four equal amounts. Pay each of those amounts in April, June, September, and January as your tax payments. So, if you paid $6000 last year on your federal income tax, you would make payments of $1500 each quarter.
Penalty #2 – The Non-Filing Penalty
The IRS wants to know what you think you made. That is why you file a tax return in April of each year. If you don't file a tax return, the IRS will charge a penalty up to 25% of the unpaid taxes for the return you didn't file.
It's so easy for a sole owner to keep up with everything. Neglecting to file taxes can happen. Make it a practice to get your tax returns done by the end of February so you aren't trying to scramble last minute to file your returns. Your accounting service will thank you for the early submission.
If the April deadline is looming, and you don't have time to get your taxes filed, your accountant can file for a 6-month extension so you have until October to file. This helps you avoid the non-filing penalty.
Penalty #3 – The Non-Payment Penalty
If you fail to pay taxes on time, the IRS will penalize you for it. They will impose a penalty of up to 25% of the amount of unpaid taxes. It doesn't matter if you file an extension either. The penalty applies anyway.
You might get a penalty abatement if this is the first time you had an issue. However, the best bet is to never have this problem in the first place.
Let's Get Started
Having your books up to date and being ready to file your taxes early is the best way to avoid these stiff IRS penalties.
If you don't want to handle your own taxes, you can outsource them to OnTrack Financial today! We are a full-service San Diego accounting and bookkeeping service here to help you avoid paying IRS penalties. Schedule an appointment today.


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Enjoy my quick and easy skillet chicken gumbo recipe and bring the taste of New Orleans to your table! Your family and friends are going to love this dish!
What could be better than good home-cooking? Especially when its something as delicious as my Quick and Easy Skillet Chicken Gumbo!
Skillet Chicken Gumbo, those are three words that evoke delicious memories…..sigh. Louisiana cooking at its best with Mama Jeanette. Of course, Mama used a cast iron skillet that had seen many forms of deliciousness, but I do believe her personal favorite was always a good batch of Skillet Chicken Gumbo. And that my friends is what we're making today!
A good practice to get into is gathering your ingredients together before you start. This is referred to as a Mise en Place (everything in its place). Missing from this picture are the flour, oil and chicken base that was used to make the sauce. Roux is everything in gumbo and learning to make a good roux is essential for so many Louisiana dishes.
Comfort food brings out the best in people. It doesn't have to be fancy, just plain delicious. Tried and true recipes redone for the fast-paced lifestyle we live, bring deliciousness to your kitchen.
Spend this time with family and friends, enjoying the flavorful as spicy as you like the taste of my skillet Chicken Gumbo. Bring sausage back to the dinner table with this dish.
Wouldn't you like to sit down to a bowlful of this deliciousness?
If you this enjoyed recipe you may also like these:
Quick and Easy Skillet Chicken Gumbo Recipe
- 1 pound cajun sausage cut into 1/4-inch-thick slices
- 1 pound skinless chicken thighs with bone
- 1/2 cup vegetable oil
- 3/4 cup all-purpose flour
- 1 medium onion chopped
- 1 bell pepper chopped
- 3 stalks celery sliced
- 2 tablespoons chopped parsley
- 2 cups okra sliced
- 1 quart chicken stock
- 3 cloves garlic finely diced
- 1 tablespoon Worcestershire sauce
- 14 ounces stewed tomatoes or crushed tomatoes
- 1 tablespoon Creole seasoning
- 1 teaspoon hot sauce more or less for your tastes
- 2 cups Hot cooked rice to serve with Gumbo
- 1 pinch chopped green onions for garnish
- Filé powder for serving optional
- In a large deep skillet add cooking oil. I used olive oil. Allow pan to get hot
- Dredge chicken thighs in flour seasoned with sea salt and pepper. place in pan over medium high heat, meat side down and allow to sear for 4-5 minutes until the chicken gets a good color. Turn over and do the same thing to the other side.
- Remove chicken from pan, and set aside until needed.
- Add peppers, onion, garlic and celery to oil and saute for 1 minute.
- Add flour to pan and mix well. If more oil or flour is needed add it in now.
- Turn heat down to medium and allow roux to cook and brown for 10-12 minutes, stirring constantly. Roux should turn medium brown. Be careful not to burn roux, you just want it to cook and get brown.
- Add chicken stock and mix well, making sure all the roux gets incorporated into the stock.
- Add stewed tomatoes, creole seasoning and Worcestershire sauce, mix well.
- Reduce heat to low, add chicken and simmer, stirring occasionally for 1 hour.
- Remove chicken and allow to cool.
- Add sausage, okra and chopped parsley to gumbo, let it simmer for 20-30 minutes.
- Bone chicken and pull meat apart. Add chicken to gumbo, and simmer 5 minutes.
- Serve Gumbo over plain white rice.
- Garnish with chopped green onions and file powder.
- Enjoy!


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This page is available under these URLs:
Die Bodenkultur - Journal for Land Management, Food and Environment
E. Christian and A. Zicsi:
A synoptic key to the earthworms of Austria (Oligochaeta: Lumbricidae)
An user-friendly synoptic key to the Lumbricidae of Austria is presented (62 species and infraspecific entities). Mature individuals of many species can be readily identified by external characters. In several cases, however, dissection remains indispensable. Two internal characters of taxonomic significance (shape of nephridial vesicles and structure of longitudinal muscles) are compiled for the first time.
Key words: Lumbricidae, earthworm, determination, Austria.


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Last week's Property Week published a lead interview with Chief Executive Matthew Weiner and Deputy Chief Executive Richard Upton in…
U+I Selected as One of TfL's 13 Property Partners
We are excited to be one of a very strong line up of some of the most influential developers in…
Plans for 800 new homes in Ashford
Today we share the news that we're progressing plans for two regeneration projects in Ashford with a combined GDV of…
U+I brings forward plans for £180 million regeneration projects in Ashford
Two new schemes across 14 acres will bring more than 800 homes and over 200 jobs to local area…
The Old Vinyl Factory hosts Reunion for ex EMI Employees
On 3rd February, The Old Vinyl Factory welcomed over 40 of it's ex employees back to the site to share…
Final phase of Granary Wharf mixed use project brings forward plans for new homes
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Our first completed development in Dublin
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The Light Cinemas agree to join Spirit of Sittingbourne town centre development
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Circus Street Market gone but not forgotten
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Colour me Deptford
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Applications open at Field Brighton
This is FIELD, a temporary workspace project launching at our Preston Barracks development on Lewes Road in the New Year.…
A New Horizon for Ilford
This is the brand new look for Valentines House, currently a largely vacant 1970s office block and soon to be…
Plans submitted for Lichfield mixed-use regeneration
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Final Phase of Cross Quarter Abbey Wood sold to HUB
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Lift off for development plans at Harwell
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Celebrating our new home in U+I style
We threw open the doors at Howick Place last night and welcomed friends, collaborators, architects, designers and development partners to…
We're all over the papers
We took the front covers of the top property publications last week including The MJ, Estates Gazette and Property Week.…
The Deptford Project Becomes Deptford Market Yard
If you go down to Deptford today, you might spot our new hand painted hoarding on the high street.
The UK's first media academy comes to The Old Vinyl Factory
We're excited to announce that one of the world's leading media and entertainment groups, Global, has begun construction of the…
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Professional Electronic Security Company Colyers DA7
Getting tired of changing the locks in your home because you keep losing your keys? Why not ask Locksmith Earl for help? We will install a home security system with keypad PIN entry systems, or one where a pass card or token are used. Our security systems company offers professional access control system installation, maintenance and repair services in Colyers DA7. We have skilled and vetted installers for commercial and domestic properties. We offer same day and emergency access control services as well.
Locksmith Earl guarantees that you will have the following benefits:
- the latest innovations from leading access control tech manufacturers
- maintenance of existing access control systems
- 24/7 customer assistance
- emergency and same day services
- combined security services, including access control, CCTV and locksmith
To get a price estimate, or to order our professional services, call 020 3404 1580. You can also send us an online request right here.
Our access control services
You can order one or more of the following access control services we offer:
- Intercom supplied and fitted - video or not, Wireless intercom
- Wired intercom, Entry phone installation, Master key systems
- Domestic Intercom repair, Commercial intercom repair, Fob-reader systems
- Digital or other keypads, Video intercoms, Biometric readers
- Door entry phone, Swipe card systems, Fingerprint controlled locks
- Intercom stations, New doorbell installation or doorbell repairs
Types of access control we can offer you
Depending on your requirements, we can install intercom door entry systems, including video intercom systems for easier and safer intercom control of your barrier, door or gate. We can also install a proximity access control system and token reader for quick and yet controlled access via token, pass card, keypad PIN entry systems, smart card, digital keypads, key fob and even biometric installations. Our expert access control installers can fit access control systems to traffic barriers, security turnstiles and automatic gates to control the access to parking lots and other properties. We can mount automatic gates for controlled car park access. You can even have number plate recognition systems.
Why you should choose our access control system services
Our company can help you make the access to your home, yard, garage, office or other property easier for those authorised to access. The whole concept of key management will be pointless when you install an intercom control, automatic gates, a proximity access control system or other system with passcard, key fob or token access.
We can fit security turnstiles and access control systems to traffic barriers to control who and when can leave and enter. We offer high-quality, professional video intercom and car park access systems for offices, homes or other premises. We can repair and maintain your existing access control systems, and offer replacement or upgrade for your security equipment for you.
We work with a wide variety of customers from Colyers DA7, such as various industrial estates, offices, business premises, retail outlets, police forces, airports, local government, schools, sports clubs, private residential homes, hospitals and apartments.
If you want to be one of our happy customers, call for our access control service now!
About our access control company in Colyers DA7
Locksmith Earl offers access control security systems and solutions in the area. Our technicians can provide safe, high-quality and reliable electronic security and access control systems. We can design and install the entire security system of your home, as well as security and access systems for larger business or public premises as well. From simple intercom door entry systems and keypad PIN entry systems, to complex biometrics installations and even number plate recognition systems, we can offer it all. Our experts will provide you with the best solution depending on your specific needs and access control requirements.
Book our access control services of Locksmith Earl
To book our access control system service, just dial 020 3404 1580 or send us an online booking request. We have no hidden fees, our prices are fixed, and we require no deposit for booking. For emergency repairs and lockouts, we can send an expert at your location up to 30 minutes of your call.
If you book more than one of our security services at once, you will receive an impressive discount. Our installers of access control systems are available 365 days a year. We don't have extra charges for public holidays and weekends. Book our professional access control services without hesitation!


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free shipping over 50€
Terry Rib TS LS
Legion Blue - garment washed
In stock
Julius is 184cm tall and is wearing Size L.
An updated version of the classic long sleeve T-Shirt, reworked in Terry Cotton with a rolled hem.
An EDWIN essential.
- 100 % Terry Cotton
- Item Number: I027339_IB_67
- Wash: mild cycle - max. 30°
- Iron: low - max. 110°
- Do not bleach
- Do not tumble dry
- Wash separately/ iron inside out


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Asian teenager beaten and her headscarf grabbed during racist attack in Bethnal Green
PUBLISHED: 16:27 10 October 2018 | UPDATED: 16:43 10 October 2018
A woman repeatedly hit an Asian teenager and tried to grab her headscarf during a racist attack in Bethnal Green.
The 18-year-old was inside McDonalds in Bethnal Green Road, with her two friends, who are also 18, when her attacker hurled racist abuse at them.
After they left the restaurant she followed them and continued to shout racist abuse before hitting one of them three times on the back of her neck and trying to grab her headscarf.
She also spat at one of the other women.
Detectives are keen to trace a man who tried to intervene and are appealing for anyone who witnessed the attack, which took place at the junction of Roman Road and Victoria Park Square, on October 3 at around 3pm to come forward.
The attacker is a black woman aged around 40 and was wearing a black coat and gold hooped earrings.
Det Con Anton Arulnayagam, investigating officer, said: "This was a distressing incident, which is believed to have been racially motivated.
"We believe the assault was witnessed by a man in his 20s, who attempted to intervene. Officers would like to speak with this man or any other witnesses."
Anyone with information should call police on 101, Central East Command on 07500 975395 or Crimestoppers anonymously on 0800 555 111.
If you value what this story gives you, please consider supporting the East London Advertiser. Click the link in the orange box above for details.


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This construction indicates that the second action has a dual purpose. Taking advantage of the situation, you do one thing while doing something else at the same time.
=> "since," "because," "so," "as," "when"
-더니 is not used with I or we. This restriction does not apply to -었/았더니.
Note that the subjects of the -었/았더니 connective are usually not the same. For example, 톰은 책방에 갔더니 책을 샀다 is not correct, but 톰은 책방에 가더니 책을 샀다 or 톰이 책방에 갔더니 민수가 와 있었다 is fine.
=> "maybe because," "it could be because"
This expression indicates the speaker's conjecture or reasoning.
This construction indicates that the speaker recognizes the fact.
There is no equivalent expression in English for 뭐. It is a colloquial sentence-ending expression meaning something like "what else?" in 나 학교에 갔지 뭐 "I went to school, what else?" or "I went to school, you know." It is used only in intimate and informal conversation and follows the -지(요) or -나(요) sentence ending.
This intimate or polite sentence ending says something like "you know," as in "I saw the movie, you know."


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Court of Protection and Deputyship
We have a specialist Court of Protection team who understand the complex issues which can arise when a person lacks or loses the mental capacity to manage their own property and financial affairs. We can advise you on Powers of Attorney, becoming a Deputy, appointing a professional Deputy, making routine or contested applications to the Court of Protection, Compensation Protection Trusts and care funding.
Our Court of Protection team is headed by Sophie O'Connell and Samantha Buckthought. Samantha is one of only about 70 Panel Deputies in England and Wales. To become a Panel Deputy, professionals must undergo a rigorous selection process and show that they meet all the Deputy standards when managing their cases. The Court of Protection will refer cases to Panel Deputies when there is no-one willing or able to act for a person.
Sophie's experienced team carry out the day to day work, although the responsibility for decisions rests with Samantha as the appointed Deputy. The team prides itself on being client focused and caring and having a large team provides a wealth of experience.
What is the difference between a Lasting Power of Attorney or Deputyship?
A Lasting Power of Attorney (LPA) is made by a person who has mental capacity and they can choose who they would like to act on their behalf. If it is not clear if a person has the mental capacity to make an LPA, a qualified professional will do a capacity assessment.
If a person lacks the capacity to make an LPA it may be necessary to apply to the Court of Protection for a Deputyship.
If you need an LPA visit our Power of Attorney page for more information.
The Court of Protection is the Court in England and Wales dedicated to issues relating to people who lack mental capacity. The Court can make decisions or appoint deputies to make decisions in relation to a person's property and financial affairs or a person's health and welfare. It follows the rules set out in the Mental Capacity Act 2005 , which protects and empowers individuals who are unable to make certain decisions for themselves.
The Office of the Public Guardian (OPG) is responsible for supervising appointed Deputies and investigating any complaints about a Deputy when concerns are raised that they may not be acting in a person's best interests.
A Deputy may be appointed if a person is assessed as not having the capacity to make decisions about his or her affairs or personal welfare, although personal welfare Deputyships are less common.
A person must be assumed as having capacity unless it is established that he or she lacks capacity. This is normally determined by a "capacity assessment", which can be completed by the individual's own GP or a specialist practitioner. There is normally a charge of around £100 – £200 for this assessment.
If an individual is found to lack capacity, a Deputy can be appointed to help manage his or her affairs. A Deputy may be a professional deputy or a relative or friend of the person alleged to lack capacity. It is possible that the Court may decide to appoint joint Deputies if this is believed to be in his or her best interests. A Panel Deputy may be appointed in situations where an individual has no friends or relatives or where there is no-one deemed suitable or willing to act.
The OPG oversees Deputies by asking them to complete an annual report. This helps to ensure the funds are being managed appropriately and in accordance with the Deputy Order.
The Court of Protection maintains a select Panel of individuals who act as Deputies, recognising their skill and expertise in this area. The Panel nationwide consists of a small number of members and a Panel Deputy will be appointed by the Court if there is no-one else available and willing to act. Samantha Buckthought, Senior Private Client Partner at Wolferstans, is a Panel Deputy.
A Personal Injury Trust (also known as a Compensation Protection Trust) is a way of managing compensation received due to a personal injury. By placing your compensation in a Personal Injury Trust it is ring-fenced so that it is not linked to your other personal capital.
Advantages of a Personal Injury Trust
The main advantage of a Personal Injury Trust is that it allows the beneficiary (you) to claim means-tested state benefits whilst still being able to benefit from the Trust fund.
Normally, an individual having capital over a certain limit or income over a certain level is disqualified from entitlement to certain benefits. By putting the money into a Personal Injury Trust, it is not viewed as your, or the trustee's, personal capital – the money belongs to the Trust. This means that it is disregarded by the Department for Work and Pensions for the purpose of means-tested state benefits.
Amongst others, the following means-tested benefits can be protected by creating a Personal Injury Trust:
- Income Support
- Income-related Jobseeker's Allowance
- Housing Benefit
- Employment and Support Allowance
- Council Tax Benefit
- Working Families Tax Credit
- Disabled Person's Tax Credit
Even if you are not currently on means-tested benefits, a Personal Injury Trust can protect you by preventing the loss of any future benefits you may be entitled to should your circumstances change, including help with long-term care.
How long do I have to make one?
In order to avoid any loss of benefits, a Personal Injury Trust should be set up as soon as possible before you receive your award. There is a 'grace period' of 52 weeks from the date you first receive any payment in relation to the injury – which could be a charitable payment. The 52 week period is subject to special rules and we do not recommend that you rely on it.
Who should I appoint as my trustee?
When deciding who to appoint as your trustees, it is important that they are individuals whom you trust and who are good at managing money. You should have at least two trustees although you may have up to four. Your trustees must be at least 18 years of age and you should not appoint anybody who is bankrupt, has entered into an individual voluntary arrangement with their creditors, or who has been convicted of an offence involving dishonesty.
What is required of the trustees?
Upon completion of the Trust document, the trustees will need to set up a joint bank or building society account to hold the Trust funds once received. The account will be in the name of the Trust. In order to set up the account, the trustees will need to provide the bank with identification as well a copy of the Trust Deed. When the Trust is established, they must act in your best interests. Depending on the value of the award they may have to consider seeking advice on investing the monies. They would also need to meet at least annually, and sometimes more frequently to discuss the Trust.
Does it affect the Trustee's benefits position, tax or employment?
No, the Trust monies are not in any way part of their funds.
How much of my award do I need to put into the trust?
You can put either all or part of your compensation payment into the Trust. It is important to appreciate that anything that is not paid into the Trust may affect your benefit entitlement.
The Court of Protection team at Wolferstans consists of 10 team members. The team is made up of Solicitors, Legal Executives, Legal Assistants and Paralegals all bringing extensive experience to each matter.
Every Court of Protection client has had a different experience resulting in them needing our help, therefore it is important that we are able to provide a bespoke package so that we can adapt to each client's needs. Experience within the team includes:
- Deputy Management
- Attorney Management
- Local Authority Funding
- Personal Injury and Trusts
- Clinical Negligence
- Court Applications
The Court of Protection team realise that when a person is losing capacity or has lost it, it can be very distressing for the people surrounding them and our aim is to take a personal and sympathetic approach when dealing with all clients and their family and friends.
We aim to work with our clients to assist them to manage their affairs and to build a positive relationship with the wider support network so our clients' affairs runs as smoothly as possible.
Samantha Buckthought is the Senior Private Client Partner at the firm and is a Panel Deputy for the Court of Protection; one of only approximately 70 in the country. This is a prestigious appointment which recognises her skill and expertise over many years in working for people who are unable to manage their financial affairs . She acts as deputy, attorney and trustee for people with a wide range of abilities and additional needs, including mental health issues, learning difficulties, brain and head injury, age related illnesses such as dementia and cognitive difficulties. She is also a skilled litigator and private client lawyer, acting in administration of estates, will drafting and estate and tax planning for both simple and complex and high value estates. She is a member of COPPA, the Institute of Legacy Management and the Law Society Private Client section.
Sophie O'Connell, Head of Court of Protection, manages the financial affairs of clients who lack the capacity to do so for themselves for various reasons, and of clients who have appointed the partners at Wolferstans as their attorneys.
Sophie is experienced in making applications to the Court of Protection for both Property and Affairs, Personal Welfare Deputies and Statutory Wills. She provides advice on health and social care funding as well as Court of Protection matters and is an affiliated member of STEP.
Sophie works with clients who have an acquired brain injury, families with children who have an acquired brain injury, elderly clients and clients with mental health problems. She often works with complex cases and this involves clients' wider network of support such as case managers, therapists, social workers, family members and financial advisers.
Sophie leads the Court of Protection Team at Wolferstans, a growing team which specialises in Court of Protection matters. The team operates within the framework of the Deputy Standards, working with clients and their wider support network to assist them to manage their affairs and respond to their individual needs.
Corrin Masters, a Legal Assistant in the Court of Protection Team, has experience of managing the property and financial affairs for a range of different people including elderly clients with Dementia, people with an acquired brain injury and people with learning difficulties. One third of Corrin's time is spent on each of these groups of people respectively, giving her a broad range of experience of people's varying needs.
Nadia Kelley, a Graduate Legal Executive in the Court of Protection team, has a wealth of experience in making applications to the Court of Protection and in the management of the affairs of incapacitated individuals. Nadia manages several complex brain injury and dementia clients, from children to elderly clients requiring a high level of skill and expertise. She supports these people in the management of their finances on a daily basis. Nadia's achievements include invoking security bonds, applications to the Court for Statutory Wills and other one-off applications for the existing Deputy.
Nadia also assists in the management of the affairs of clients with Lasting Powers of Attorney who are either unwilling or unable to continue to manage their finances themselves. Nadia also has experience of Community Care and Local Authority funding matters and s117 aftercare funding and Personal Injury Trust advice, creation and management.
Alexandra Laity, Legal Assistant, joined the Court of Protection team in June 2018 and has over 15 years' experience of working with vulnerable adults on behalf of the local authority.
Alexandra spent 10 years as a technical expert on the Court of Protection team where she dealt with some of the more contentious cases and specialised in working with young adults with learning difficulties.
Alexandra also spent 5 years as a visiting officer, assessing clients contributions towards care packages and residential stays.
She has a good working knowledge of adult social care processes and welfare benefits.
She is responsible for the day to day management of Deputyship and LPA cases within the Wills and Trust department.
Hannah Goodwin, Solicitor in the Court of Protection team, transferred to the team in April 2018 and now handles a case load managing the finances and affairs for clients who lack capacity to manage this for themselves.
The majority of Hannah's clients lack capacity as a result of an acquired brain injury. Many have substantial assets as a result of a successful personal injury or clinical negligence claim. Some clients have on going negligence claims so her background in personal injury is helpful in understanding the civil court's processes and being able to liaise appropriately with the interested parties.
Hannah also manages the finances and affairs of clients who have named Partners of the firm as their attorney. Hannah is also part of the team who prepare and advise on Personal Injury Trusts.
Vicky Furzeland, a Legal Assistant in the Court of Protection Team, manages a small case load of clients who lack capacity to manage their own property and financial affairs as well as preparing applications to the Court of Protection to appoint Property and Financial Affairs Deputies and completing the Annual Reports. She also assists Lay Deputies once they have been appointed as Property and Affairs Deputies with general advice and help.
The Court of Protection team offer a range of services which can be tailored to suit each client's individual requirements:
Application Service:
We assist those who wish to apply to be appointed as a Deputy for Property and Affairs and/or Health and Welfare. This service is normally conducted for a fixed fee. We will prepare the application forms and deal with the application on your behalf. When the Order appointing you as deputy is received from the Court of Protection, matters are then handed back to you to deal with the day-to-day management of the person's affairs. The Court of Protection usually authorises the appointed deputy to pay all fees from the estate of the person that lacks capacity.
Acting as Professional Deputy
We can apply to the Court of Protection for our Samantha Buckthought , to be appointed as Deputy for property and financial affairs. She currently acts as deputy for many clients, each of whom lacks capacity in varying circumstances. Samantha has an experienced team who manage the day-to-day financial affairs for clients. Samantha Buckthought is a Partner and one of a small number of Panel Deputies in the South West appointed by the Office of the Public Guardian. She currently acts as deputy for many clients, each of whom lacks capacity in varying circumstances; for example:
- Elderly clients
- Clients with head and brain injuries
- Clients with learning disabilities
- Clients with mental health problems
- Clients with compensation settlements following litigation
- Clients living in care homes or in the community
- Isolated clients and clients without relatives or with estranged families
Deputy/Attorney Assistance Service:
We provide advice and assistance to help you in the initial stages of the deputyship or acting as an attorney. This can include registering the Court Order appointing you as Deputy, help with setting up accounts and records and providing advice on health and social care funding. This will usually be for a fixed fee.
One off applications to the Court of Protection and ad hoc advice:
We can assist with one off applications to the Court of Protection. For example, applications to sell property, to appoint trustees and to make gifts. We also provide ad-hoc advice to existing Deputies in relation to their role. This could include assisting with annual reports, complying with other obligations, and best interests' meetings including representing you. For a fixed fee; clients can opt for our retainer service, in which we assist with or control certain day-to-day roles of the Deputy and be on hand to support the Deputy wherever necessary.
Statutory Wills:
If a person does not have the mental capacity to make a will, then in order to make or change a Will, you can apply to make a Will on their behalf. This is known as a Statutory Will. We can advise you as to whether a statutory will should be considered and if so, make an application to the Court of Protection.
Advice about health and social care funding:
We offer a one-hour fixed fee session in which we provide advice about how the social and health care funding system works and how to ensure that the person for whom you are Deputy or Attorney (or yourself) is receiving the care they need and are entitled to. We can also undertake further work to challenge inadequate care and support packages.
Compensation Protection/Personal Injury Trusts:
We can provide advice about setting up Compensation Protection Trusts, also known as Personal Injury Trusts, and prepare the Trust Deed. Wolferstans can also act as professional trustees in Compensation Protection Trusts.
Expert Witness Work
We offer a dedicated expert witness service. The Panel Deputy, Samantha Buckthought, can prepare expert reports for litigation purposes and can advise during the course of litigation as to the costs of, practicalities and issues surrounding deputyships. During such matters it is very important to have expert involvement at an early stage to ensure that such matters are appropriately considered and costed.
We have lawyers who are members of the Law Society Private Client Section and Solicitors for the Elderly or STEP (Society for Trusts and Estate Practitioners) and are therefore accredited and recognised as specialists in their field.
If you would like more information or would like to arrange a no-obligation appointment with one of the Court of Protection team, please call one of our New Client Co-ordinators on 01752 292288 or 01752 292221, or visit their profiles to contact them via email.
Please Contact
Nicholas Michie-Carr
Team Leader of New Client Co-Ordinator team
Daron Christian
New Client Co-Ordinator


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16 Years of Excellence
At Colorado North Stars, we have two simple goals: growing as an individual and have fun while doing it. We see our players and coaches as individuals first; individuals who happen to love the game of volleyball. We have been building competitive teams for the past 16 years, valuing strong relationships and giving back to the community.
Come see what we are about.


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Farmers Insurance
15233 Ventura Blvd., Ste 400
Sherman Oaks, CA 91403
(818) 588-4902
Were open from 9:00 AM until 5:00 PM.
Over at Farmers Insurance District 56 were always looking for new and upcoming agents no matter your background, feel free to check out our website and apply for a interview if your interested .
Were located at 15233 Ventura Blvd in the Citi Bank building, the cross street is Sepulveda Blvd.