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We can all learn from Curry’s ankle injury

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Team doctors have said Stephen Curry’s ankle injury on Monday will keep him out of the Warriors’ lineup for at least two weeks. (David Santiago/Miami Herald/TNS)

The Golden State Warriors’ Stephen Curry has injured his previously operated-on ankle again. Here’s what he can do — and what you can do — when recurrent ankle injuries occur.

Three ligaments on the outside of the ankle, and one on the inside, control the stability of the ankle joint. The most common injury occurs to the anterior talofibular ligament (ATFL). Most ankle sprains happen when the foot rolls inward and the leg keeps moving outward, tearing this key ligament. Though the injury usually heals on its own, the best results occur when the ankle is braced and motion is directed to permit the fibers to heal in a tight fashion.

For those athletes who tear their ligament recurrently, it is best to repair it. Assuming it is the anterior ATFL that is torn, the most successful repair is a primary suturing of the ligament back onto the fibula. This is called a Brostrom repair. Over the years, we and other surgeons have modified the original technique in various ways to make the procedure more reliable.

Some more complicated ligament reconstructions involve weaving other tendons through the bones to both reconstruct and reinforce the torn ligaments. Other techniques use artificial materials to brace the bones, though these materials usually fail over time due to the repetitive motions of the ankle even under normal walking conditions, never mind sports.

The questions most often asked by athletes, coaches, trainers and, of course, fans are: What can be done to speed up healing, what can reduce the reinjury rate and are there permanent solutions?

The answers are evolving. In what I call the Anabolic Era of sports medicine, we now add growth factors and stem or progenitor cells to almost all injuries. There is a growing body of evidence that healing is both accelerated and improved by these supplements. While athletes used to travel to Germany, Mexico or the Cayman Islands to get these treatments, there are now far better solutions available here in the United States. Among these are the improved versions of PRP (blood platelet concentrates), fat aspiration and bone marrow concentrates.

Much of our recent work has focused upon amniotic fluid (since no one is growing faster than the fetus). The fluid surrounding the healthy newborn is loaded with the highest concentrations of both progenitor cells and growth factors, which make them excellent anti-inflammatories and anabolics. If carefully harvested, concentrated and preserved, these growth factors and cells are so far the most potent stimulants for healing that we have tested and used clinically.

The old days of immobilization during recovery are long gone. We have discovered that lack of motion leads to disorganized scar formation, rather than the well-aligned collagen fibers associated with normal ligament morphology. For injured and reinjured ankle ligaments, in-season treatments focus on the injection of growth factors into the torn tissues. This is followed by ice, compression, elevation and massage to reduce swelling (swollen tissues are distorted and heal poorly). The faster the swelling resolves, the faster the healing.

Bracing is combined with careful exercises to further stimulate the torn tissues to heal along the lines of stress. In addition, a total body fitness program is started on Day 1 of the ankle injury. We want the injured person to see themselves as an athlete in training, not a patient in rehab. The ability to come back from an ankle injury better than you were before it occurred depends on all of these healing factors being applied to the injury site, along with the parts attached to it: namely, the entire body and mind.

Reducing repetitive injuries depends on a host of factors. Successful reconstruction of all the damaged tissues is important, but so is the brain/body training designed to improve the connection between the mind and the ankle position in space. Though this proprioception skill seems to be diminished in people who suffer frequent ankle sprains, it may be amenable to novel brain/body training programs.

The ultimate solution to recurrent ankle injuries, of course, would be the ability to avoid repeating the injury after the first successful repair. One can envision sensors placed in future athletes’ shoes or socks — or even stuck to their skin — that could measure the force and direction of the ankle motion. Such sensors would signal the brain and stiffen the shoe, preventing the ankle from rolling into the injury position.

Any tech venture capitalists own a basketball team?

Dr. Kevin R. Stone is an orthopedic surgeon at The Stone Clinic and chairman of the Stone Research Foundation in San Francisco.

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Non-citizens voting in SF school board elections to get immigration warning

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A 2016 ballot measure will allow non-citizens to vote in local school board elections starting in November, but city officials are warning immigrants that if they register, their information will be available to federal authorities. (Kevin N. Hume/S.F. Examiner)

San Francisco’s implementation of non-citizen voting in school board elections this November will come with a warning — federal immigration enforcement officials could obtain the voter registration information.

Voters approved a ballot measure in 2016 to allow non-citizens to vote in school board elections beginning in November, but there are concerns over how the federal government could use the information as President Donald Trump has targeted California and San Francisco over sanctuary policies.

San Francisco plans to issue a warning in 51 languages to non-citizens before they register, including on a Department of Elections affidavit they would need to sign to register and on the Department of Elections website.

“IMPORTANT NOTICE FOR NON-UNITED STATES CITIZENS,” the warning begins. “ Any information you provide to the Department of Elections, including your name and address, may be obtained by Immigration and Customs Enforcement [ICE] and other agencies, organizations, and individuals.” The warning also notes that “if you apply for naturalization, you will be asked whether you have ever registered or voted in a federal, state, or local election in the United States.”

The warning requirement is part of legislation introduced by Supervisor Norman Yee that directs the Department of Elections on how to implement non-citizen voting. The Board of Supervisors Rules Committee approved Yee’s legislation Wednesday and the full board is expected to vote on it Tuesday.

The legislation also requires the department to provide a list of legal resources for immigration rights attorneys.

“Given the current political climate the need for immigrants to know their rights as well as their risk is paramount,” Yee said. He added that The City had contemplated postponing non-citizen voting “to protect community members given the high risk of deportation,” but those who pushed for the measure sought to move ahead anyway.

Hong Mei Pang, Chinese for Affirmative Action’s director of advocacy, said that in 2016 “something amazing happened” when non-citizen parents of schoolchildren were “enfranchised” by the measure’s passage but, at same time, “there was also a terrible turn on the federal [level] where the political climate shifted to create a lot of fear and panic in the community.”

She said the measure’s backers want to confront the fear. “Despite the threats … community members are exercising power, not panic and we are invested in a successful implementation through a multi-prong approach.”

The legislation, she said, will “help immigrant families weigh their options by providing them with notice of the risks associated with becoming discoverable to the federal government.”

John Arntz, Department of Elections director, said he plans to begin non-citizen voter registration on July 16.
In November 2016, 54 percent of the voters approved the Proposition N charter amendment, Non-Citizen Voting in School Board Election, to allow non-citizen residents to vote for members of the Board of Education if they are a parent, legal guardian or legally recognized caregiver of a child under the age of 19 living in the School District and if they are of legal voting age and not in prison or on parole for a felony conviction.

The measure was placed on the ballot by the Board of Supervisors in a 10-1 vote. Mayor Mark Farrell, then a member of the board, opposed placing it on the ballot.

One of out three children in San Francisco’s public schools are estimated to have an immigrant parent and supporters of the measure have estimated tens of thousands of residents will now be eligible to vote in the school board elections. The benefit, they argued, is increased parent participation in schools, which would help their children earn better grades and graduate.

Yee said that there is a tendency for elected officials to ignore those who “don’t have a chance to vote for you.”

“This is a way to say, ‘Pay attention to all the students.’”

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“We see neighbor helping neighbor, friend helping friend, and stranger helping stranger. We are one American family. We hurt together, we struggle together and believe me we endure together,” said President Trump.

The nonsense in America is being swept away by a natural disaster, which is forcing people to see no race, no color, and just human beings. The flood has revealed the decency in American people and everyone feels a need to help.

On Aug. 23, Governor Greg Abbott of Texas declared a state of emergency in 30 counties. Late on Aug. 25, Harvey a category 4 hurricane made landfall near Rockport, Texas, at peak intensity. On Aug. 26, Governor Abbott declared a state of emergency in 20 additional counties, and the Governor of Louisiana John Bel Edwards declared a state of emergency for his entire state.

Once this hurricane made landfall, it became a tropical storm, but it continued to rain, and over 50 inches of rain inundated the gulf area and Texas for four days. This is the worst disaster in Texas’s history and it will take years to recover. The cost could be over $160 billon.

As the waters began to recede, it is way too early to determine the cost and extent of the damage. The majority of the residents in these hurricane areas did not have flood insurance, and the ones who had it, will not have enough.

The people of the flooded areas and the federal government have done a phenomenal job, and there have been very few reported deaths and the number stands around 60. But now the recovery phase begins, and everything moves into a new arena, and our legislators will have to find funds to rebuild the affected areas.

Again, it is too early to establish accurate numbers, but there are probably 50,000 residents in the affected hurricane areas, which are homeless, with just the clothes on their backs.

Republicans are notorious for debating where relief funds should go, and how much should be distributed. These rightwing conservatives have a record of denying aid to Americans devastated by natural disasters in the name of fiscal responsibility.

Earlier this year, Trump tried to cut FEMA funding by $667 million and the National Flood Mapping program by $190 million. Now Trump has made a request for $7.9 billion for FEMA, and that is just the start of the funds needed to help the affected areas.

Texas and the gulf coast is a hub for oil refineries and chemical plants and produce 25% of the consumption of gasoline in America. The gasoline prices have begun to increase around the country, with spot shortages in the Southeast. Some economists are estimating that prices could increase $1.00 per gallon, because the refineries are off line.

In Crosby, Texas containers of organic peroxides have exploded twice, and caught fire, and other chemical plants in the area could have a similar reaction to the hurricane. As the water recedes, and 500,000 or more Americans try to make sense of their lives after the hurricane/storm, how soon do we forget?

It is easy the first two months to be engaged, because this is a lead story in the daily news, but what happens to the people who have lost everything that they have worked their entire lives to achieve. On last Sunday, the president asked for a day of prayer, and next week everyone is worrying about paying their bills.

Maybe Hurricane Harvey did bring Americans together for a month, but this disaster will impact many communities for a lifetime.

For two weeks or maybe a month, there was no race or no color, and all Americans were one. But American politics is a blood sport, and the goal is to win. In a week or two, the ugly tribal warfare will start up again, and the different groups will begin shooting real bullets again.


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Spend Your Spending Money In A Safe and Happy Way

Oh hey! So, this is my (Shannon Lee Simmons) first ever sponsored blog post on the website. As a fee-only, unbiased financial planner, I’m careful about what information I share or promote. I was always afraid that working with a financial institution could come across as biased, and as a financial planner, I knew I could only comfortably work with a company that shares my mantra of supporting people getting their finances on track.

But then, I was asked to work with Interac and got excited because I genuinely support using debit as the go-to spending method over credit or cash (It’s in my book again and again and again). So, if paying with debit is now easier for people, I think that’s great.

So, here we are!

In my book, Worry-Free Money, I talk about something called the Spending Vortex. It’s that moment when you feel like your paycheque comes in and it’s already spent before you even get to debate ordering a pizza. Poof! Usually, you’re left feeling broke, like you’ve overspent – and that makes most people feel frustrated.

A lot of times, this happens as a result of how you spend money. Sometimes you pay with debit, sometimes you pay with credit, sometimes cash. Maybe all your rent is due with one paycheque and then you feel like a baller on the next. But, with no spending strategy, you’re never really sure if you can actually afford something. This leads to a lot of money anxiety. But, it doesn’t need to be that way! Here’s how.

Step 1: Stop budgeting with 50+ spending categories.

Coffee shops, takeout, clothes, pet, housing, bills – the list goes on. Budgeting like this sets most people up for failure. You forecast your spending goals in these very restrictive categories than do you best to live within the confines of the rigid budget. It’s so unrealistic! What if one weekend your family comes over and you need to buy a lot of cheese? What if the next week you need to buy a new shirt for work? Enough already. There are only 4 types of money that you need in your budget: Fixed Expenses, Meaningful Savings, Short-Term Savings and Spending Money.

Fixed Expenses are expenses like bills, housing, insurance, minimum debt payments, etc. The bills you must pay each month whether you like it or not.

Meaningful Savings is money that is being put aside to improve your net worth by increasing your assets or decreasing your debts.

Short-Term Savings is money you should be stashing away for emergencies and spikes in spending.

Once you calculate this, everything left over is Spending Money. That’s the money that you have to blow to zero every pay period for your life – groceries, gas, takeout, clothes, fun, and entertainment – cheese (real and vegan)!

For example,

  • After-Tax Income: $3,000
  • Fixed Expenses: $1,700
  • Meaningful Savings: $400
  • Short-Term Savings: $200

Money You Cannot Spend = $2,300 ($1,700 + $400 + $200)

Money You Can Spend = $700 ($3,000 – $2,300)

Step 2: Calculate how much you have to spend each pay period.

Once you’ve calculated how much money you can spend each month, separate it by how often you get paid. For example, if you’re paid twice a month and your Spending Money is $700, each paycheque you can spend $350 ($700 divided by 2). You don’t have to budget this $350. It’s yours to spend each payday however you wish, as long as it’s within your limit!

Step 3: Separate the Spending Money from the rest of your money.

In the book, in my practice and to my friends and family, I always suggest having a separate chequing account for your Spending Money. It’s also good to stick one payment method. This helps you set an actual limit to your spending and keep tabs on it so you don’t have to worry about receiving a bill that you can’t pay off at the end of the month.

If you’ve separated your Spending Money into a separate chequing account, you can easily see if you can afford things. If it’s the day before payday and you have $50 left in there, the question “Can I afford takeout tonight?” is easy to answer. It becomes “Is there money in my spending account?” Yes? Great. And now you know to keep it under $50.

I also suggest spending out of this account using debit. Why? Because this way you’re actually spending your own money.  If you spend using debit, your bank balance will be an indication of how much money you actually have left to spend until the next pay period. In addition, it beats cash because there’s an electronic log of your transactions. You can see where you spent your money in case you ever need to go back and use that information.

If you like the convenience of contactless payments you can do that now with debit! When you think about paying with debit card, you’re likely used to using a PIN number to pay, but now there are options like Interac® Flash which gives you the convenience of contactless payment.  This means you can pay by just holding your Interac Flash-enabled debit card in front of the reader at checkout and you’re good to go – no PIN required. If you like to use your phone to pay, there’s also the option of using Interac® Debit on mobile so you can use your phone to pay with your own money. Since you’re using debit, you don’t have to worry about going over your budget because it’s all tracked in real-time, from your Spending Money account, and with a mobile banking app you can check your balances whenever you want.

Step 4: Spend safely and securely

A spending strategy is one thing, but you also need to know the payment method you use is safe. Contactless payment technologies make it easy to flash your debit card or mobile device quickly and securely to pay for everyday items like groceries, gas or your morning coffee using your own money.  Interac Flash is one of the safest forms of payment because your debit card number can’t be used to make a purchase on its own in store, and it has built-in spending limits that are set by your financial institution. For example, a transaction limit of around $100 means you can’t spend over that limit by flashing your card, as you’d have to insert your card and use your PIN to verify the payment.  There are also cumulative limits and once you reach that limit, you need your PIN to proceed. That’s great from a budgeting perspective but more importantly, it protects you if you lose your card. Also, the Interac Zero Liability Policy means you don’t have to worry about what happens if you lose your card because you are not responsible for losses beyond your reasonable control.

Take the stress out of your spending money! Once you know what you can safely spend to zero each pay period without jeopardizing your bills and savings, your work is done. I give you permission to spend your Spending Money without guilt, or a budget.

Birth of a Cyber Baby – Freak out/Zen Out

Tomorrow I give birth to a giant cyber baby – Canada’s First Personal Finance School. It’s the biggest thing I’ve ever done. (pees pants a bit).

Who knows what tomorrow will bring? Right now, on the eve of the launch, I can still be optimistic. The programs aren’t online yet and I can still believe that anything is possible and that this school will help more people than I’ve been able to reach before.

Once launched, I have to face reality. It’s possible that I was right. It’s also terrifyingly possible that I was wrong. Any entrepreneurs/budding entrepreneurs out there probably know all about this launch-fear.

But, if you don’t believe that what you’re doing is going to make waves or change your life in a HUGE way, why would you stay in Friday nights while all your friends are together, weekend after weekend? (#fomo) Why would you set alarms for 6am on Sunday mornings while everyone else is asleep? How could you end up crying, alone, at the office until 11pm a week before launch-day and only realize that you’re NOT OK when the wonderful maintenance staff offers you a Werthers Original, and tells you “it’s time to go home”.

When you push this hard, you have to naively believe… you have to be so stupidly optimistic or else, you’ll just give up.

I’ve cried almost every day over the past 6 months. Sometimes, from joy. Most times, sheer frustration and exhaustion.

So, I just want to sit and revel in this moment.

Everything is done. It’s all out of my control. There is literally nothing for me to do but take a deep breath in and wait to see if the world believes in this school as much as I do.

This is a rare, magical moment in life. It’s like being in free-fall. It’s silent, but loud. It’s peaceful, but manic. It’s terrifying, but exhilarating.

I know I’ve packed the parachute the best I can. I’ve done all the work. I’ve made the leap and now there’s nothing left to do as I fall but trust, and wait for the parachute to open at the right time.

I think this is why I became an entrepreneur. I’m addicted to the free-fall. This, to me, is living. I feel truly alive because of the entire spectrum of emotions that comes with building, planning, obsessing, and believing in something you’ve created from nothing. I am fully self-expressed and so f*cking appreciative for that.

I’m usually pretty light-hearted in my writing/videos, but I wanted to give this moment the earnestness it deserves. This is a big one for me and I wanted to write this post from a place of gratitude and to be a letter to my future self.

Dear Future Self,

You are about to launch the biggest project you’ve ever taken on. Good on ya.

If things don’t pan out the way that you planned, that’s okay – you are not a giant failure.

No matter what happens, you have so much to be proud of. Be proud of what you’ve created, it’s amazing. Be proud that you are not afraid to work your ass off for something you believe in. You have put your WHOLE SELF into something that you will put out there for anyone in the world to judge. Being vulnerable like this is a really scary thing, you are brave. Lastly, celebrate the fact that you are facing your fear of failure like a boss. Please don’t stop being stupidly optimistic…. Ever. It’s your special skill in life. Remember, that no matter what happens, it’s the journey that defines you in the end and this journey has been truly epic.

One love,
Present Self

Thank you for being one of my fierce supporters. I couldn’t have done any of this without you. Stay tuned with me tomorrow as I continue to free-fall and we’ll find out if the chute opens.

Shannon Lee Simmons

Almost-Official Founder of The New School of Finance

Leverage the budget – like a boss

THE 2015 BUDGET IS HERE… dun dun dunnnnn

So, like, what does that even mean and why should you care? The budget affects you in SO MANY WAYS but often people don’t even know about it!

The 2015 Federal Budget outlines your tax rates, tax breaks, changes to your savings and how much money is going back into your wallet each year. It’s a BFD.

Rob Carrick nailed it in his recent article by noting that this budget definitely favours seniors and that GenY/Millenials didn’t get much attention.

But, here are some things in the budget that will affect GenY/Millenials/GenX

1)   TFSA or Tax Free Savings Account Increased Contribution Limit

The TFSA is the bomb. It’s an amazing savings account for everyone and for both long and short-term savings. The money that grows inside the TFSA is NOT taxed when you pull it out.  I repeat – NOT TAXED. This is key. When you pull your money out of an RRSP account you must include it in that year’s income and be taxed on it (iccccky).

NEW BUDGET THANG: The TFSA contribution limit has been raised from $5,500 to $10,000 effective immediately. Hella yes. More room for tax-free savings? YES PLEASE!

2)   Benefits for Post-Secondary Students

The budget assists university students starting in 2016. Usually, to be eligible for Canada Student Loan Programs, it’s dependent on what your parents are forking over/their incomes. i.e. if you’re parents made a certain level, you wouldn’t qualify. In addition, for every dollar YOU earned in school over $100 a week, that amount was deducted from your loans.

NEW BUDGET THANG:  If the parental units are forking over for your education whether the total amount or in part, your parents aren’t expected to pony up as much as before to make you eligible for the Canada Student Loans Program. Also, you can now earn money while a student without the amount you earn effectively becoming a drag factor on your student loan. WOOT!

3) Help for Parents with the UCCB and Children’s Fitness Tax Credit

While you may be sleep-deprived, there is a small token of appreciation for your current condition in the budget. The UCCB or Universal Child Care Benefit has been increased from $100 per month up to $160 per month for each child in your family under the age of 6.

The UCCB is taxable money from the gov that parents get REGARDLESS OF THEIR INCOME.

NEW BUDGET THANG: Effective from the beginning of this year, the cheques are in the mail as of July 2015 – PARTY!! Also, the budget has doubled the children’s fitness tax credit to $1,000 starting in 2015. Kid’s activities are so friggen expensive, amirite? Now, at least you get back 15% up to $1000.  Little Billy can go to swimming – hurray!

4)   Tax Rate Decrease for Small Businesses

NEW BUDGET THANG: The tax rate for small businesses will be reduced from 11% to 9% in 2019. (Now why would you give someone a gift that is so far off in the future? Oh yeah – it’s election time again). Note that this is only for CORPORATIONS – not sole-props or freelancers.

If you are curious about any of the four points above or of finding out in plain language how any of this applies to you, it may be time to book a financial planning sesh to flush out how you can leverage this 2015 budget like a boss.

What Does “Fee-Only Financial Planner” Really Mean?

There are so many different words floating around out there to convey someone who helps you with your money. Here are some – by no means all – that you may be familiar with: financial planner, financial advisor, investment advisor, money coach, fund representative, portfolio manager, stockbroker, and on and on…

That alone is confusing enough to the layperson (who exactly are you supposed to tap for help with your particular financial situation?) – but now on top of the various words used, an extra layer of complexity is added! This layer has to do with how that person is compensated for helping you with your money.

Here’s another list, by no means exhaustive: commission-based, transaction-based, fee-based, fee-only, advice-only, fee-for-service. One might start to wonder if there is a raison d’etre for the proliferation of so many descriptors.

And hey, what about accreditation? You should probably use someone who is accredited so they know whereof they speak and there is a whole list of designations for this, which will not be produced here.

Let’s just go with the fact that it’s a better bet to use someone who has a designation. Here’s an acronym for you: FPSC or Financial Planning Standards Council. This is a body that oversees approximately 17,000 Certified Financial Planners (CFPs). Out of these, the stats are that fewer than 1,000 are true “fee-only” planners.

That’s an interesting thing. Why would that be? Some say that there just isn’t that much demand for fee-only planners. I suggest that education comes before demand. If people knew the difference, would the demand grow?

So what is a fee-only financial planner? It is someone who receives a fee from you for delivering unbiased financial planning and advice to you for your benefit. They sell you nothing but their own expertise applied to your particular situation. This fee could be set at an hourly rate or it could be a flat fee established ahead of time for a certain service that you are seeking, e.g. retirement planning or entrepreneurial planning.

Compare that to commission-based financial planners who get paid not by you but by companies who make the financial products that they sell to you. Who would you rather get your advice from: someone you are paying or someone another entity is paying? That’s a rhetorical question.

Compare that to fee-based financial planners who get paid a percentage of assets under management. This feels better, doesn’t it? Definitely there is more transparency here. At least you are playing on the same team in that if your assets increase in value, the fee-based financial planner stands to make more money. But let’s look at it from the other side. If your assets decrease in value, you lose money but they continue to make money as they always get paid whether your assets grow or shrink. Yes, to be sure, they make less if your assets shrink but they still make something whereas you lose. Also, fee-based does not negate commissions being paid to the advisor and you know only if commissions are paid to them if they are forthcoming with this information and I’m sure some of them are.

It is your money and definitely your choice.

The New School Team

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Make Money From Your Home

4 ways for house to earn you money

Your home is a haven, but it can also be a cash cow if you know how to milk it. Today I’m going to give you the 4 best ways to make extra money from your house.

Method 1 – Use Air BnB

Who: Air bnb is a website that allows you to rent out your home like a hotel.

What you need: All you need room for someone to sleep in.
Risk: Letting someone unknown into your house.
Payout: Slightly below market rent. For a weekend in a major urban center, you could charge anywhere from $80 – $150/night! You don’t need to provide any amenities except a bathroom and a bed.
When to use: If you spend your weekends at the cottage or away, rent out your space to travelers and earn some money!

Method 2: Parking Spot

Who: You.
What you need: An unused parking space.
Risk: You probably have to shovel.
Payout: Glorious. Most parking spots go for $80 – $250/month in the GTA depending on location.
When to use: Year round if you are sans car.

3. Garden Rental

Who: You.
What you need: An unused garden space with optimal growing sunlight.
Risk: Someone comes into your backyard.
Payout: Renting garden space can go from $40 – $200/month depending on size and demand.
When to use: Spring/Summer.

4. Workshop Host

Who: You.
What you need: A big enough room that could seat 10 people at least.
Risk: People coming to your home for workshop.
Payout: Small businesses in the GTA are desperate for locations to host small workshops all the time. Most places in the GTA are expensive. If you’ve got a big living room/family room/kitchen, offer it up on craigslist. The average workshop would pay between $20 – $150 depending on how much they were charging guests to come. Alternatively, you could ask to take 20% of all the ticket sales for the use of your home.
When to use: Whenever you don’t need access to your space!

Break Up Vs. Divorce – Financial Implications

There’s an old saying, what’s mine is yours, what’s yours is mine. Well, in the case of a separation, this may be the best or worst thing that ever happened to you.

The laws governing common-law break ups are not even close to being similar as divorce. The ring matters…… big time.  I’m going to walk you through some of the major differences between common law and marriage in Canada if your love turns sour.

1. Division of Assets. Upon a marriage ending, there is an automatic right to equalize family property acquired during the marriage. So, the spouse with more money will have to pay the spouse with less money, no matter what. If you are in a common law relationship, however, you don’t have that right or obligation. After a break up, if you felt that you were owed assets from your partner, you have to take legal action and make an “unjust enrichment” claim. In other words, you have to hire lawyers and show that your common law partner was unjustly enriched at your financial expense over the years. This can be very costly and take a long time.

In common law, no matter how long you’ve lived together, you aren’t entitled to half the assets upon separation. In marriage, no matter how much harder you worked, you’ll have to pay out to the other partner.

2. Staying in Your House. Upon a marriage ending, there is an automatic right to stay in the matrimonial home, even if it is not in your name and the decision of who keeps the home remains with the partners. In a common law relationship, if your name is not on the deed, you could simply come home one day and find yourself locked out no matter how much you’ve financially contributed to the home.

3. Spousal Support. If you are married, you have an automatic right to receive or obligation to pay spousal support upon separation. If you are living in a common law relationship, you don’t have rights to spousal support until you have lived together for three years.

Furthermore, if you were married, you always have the right to apply for spousal support, no matter how long has passed since you separated. If you were in a common law relationship, you need to ensure that you apply for spousal support within 2 years of separation or you get nothing.

4. What happens without a Will? If you are married, and your partner passes away without a will, you automatically receive a share of your partner’s estate. If you were in a common law relationship in Canada, you have no right to get anything. Instead, you would have to go through the unjust enrichment claim against your partner’s estate.

There is one aspect where the rules of common law break ups and divorces are the same. Children.

When a couple, married or living together, has kids, the rules for child support, custody and adoption are the same.

Prenups! When and Why

When newly in love, nobody likes having the “what if we break up” chat. But, it’s important. If you’ve got large assets, like a house or investment portfolio, or if you are planning to be a stay at home parent,  these talks are important to ensure that you and your personal finances are protected, just in case.

Domestic Contracts are popularly known as “prenups.” They are a contact that is written between two partners before entering into a common-law relationship or marriage. They allow couples to create their own financial arrangements in the event of a breakup or divorce so that each party feels protected. These contracts must be made in writing, signed by both parties and witnessed in order to make it count.

Cohabitation Agreement

A Cohabitation Agreement is a contact between two people who are living together, or thinking about living together, who aren’t married. The agreement should give instructions as to how to divvy up financial assets in the event of a break up.

Here are the two most common financially crappy things that happen in common-law break ups that could have been avoided by a cohabitation agreement.

1. One partner owns a home, with their name only on the deed and the other partner contributing financially for years by splitting the mortgage and bills. They break up. The partner whose name isn’t on the deed is left with nothing and wasn’t saving all those years because they were contributing to the house, renos etc. If this is you, or you’re thinking of going into this type of situation, get a piece of paper, a pen and a neighbour. Write down what happens financially if you guys break up. Figure it out now.

2. One partner pays down a significant loan for the other partner, then they break up. This also sucks. While this is a wonderful and smart financial decision for any household, if you pay it off and break up just after, that is less than awesome. There are no legal ramifications for getting your money back.

Protect yourself with a cohabitation agreement before you dole out the money.

Marriage Contracts

There is more legal protection for married couples than common law marriages. In a divorce, the family home and assets gathered during the marriage are legally obliged to be split – no matter what. A marriage contract allows you and your partner to decide how you want everything to be divided and opt out of the default rules of the place you live.

NOTE: The courts do have a right to over-rule a domestic contract if it is counter to legislation. For example, if one party has agreed to opt out of their ownership of the matrimonial home (say he or she owned it before the marriage and wants to hang onto that asset), the courts can order the assets be split and apportioned according to family law.  So prenups aren’t foolproof.


text:
WoW and my blood pressure

Find our valiant heroes fighting the fight on the =US=Order and =US=Destruction Servers!

WoW and my blood pressure

PostPosted: Sat Nov 08, 2008 2:10 am

User avatar
Posts: 844
Joined: Sat Feb 19, 2005 5:52 pm
Location: 93m miles from Sol.
I may not be getting WotLK.

I jumped back into WoW tonight to check out the new trees, loaded up to be a killin machine (Ele Shammy in Epics) and jumped into a BG. I'm close to getting my final Gladiator piece (leggings) and need 10 EOTS, so I go EOTS.

Of course the start is a cluster-f. Even after calling out a strategy, its me and one other in DR. Oooohhhhh! Look! A rogue slicing me up!
Death 1. Rez. Run back to DR. On way, ANOTHER ROGUE! JOY! Death 2. Rez. Oooohhhh! Horde is at graveyard! Death 3!
4 minutes in, not a single offensive spell off, 3 deaths. Horde controls 3 towers. My screaming of the F word upon the next rogue attack woke up Sprite.
Needless to say, we lose, as we're scattered all over the place.

I stay for 2 more in hope. Both of them were 4 caps by the horde in under 5 minutes. I musta been shut down by rogues and hunters for half my playing time at this point.

I'm fuming. Blood pressure through the roof and I'm actually pissed off while trying to play a game. Not because I'm losing, but because I cant actually play. Most of my time is watching myself stunned and waiting for rez, numerous times till the horde 4 caps.

I decide to stay for just 1 more. I call out for Group 1 to DR, Group 2 to MT, 3 Try for FR, avoid the center till we get some towers. Results? 2 go to DR, about 3 go to MT and all others charge center. In about 90 seconds the horde controls 2 towers, is winning a third and I'm stunned yet again.

I'm surprised that:

A) The neighbors didn't call the cops when I screamed out, 'FOR F SAKE! JUST LET ME PLAY THE F'n GAME FOR 3 MINUTES!'

B) I didn't break my fragging mouse while slamming the buttons to log out.
"Rarely is the questioned asked: Is our children learning?" George Bush, Jan. 11, 2000

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Victim Rights

Definition of a Victim

A sexual assault victim is one who has been misled or threatened into a sexual activity by means of coercion or power by the assailant. Victims can be male, female or transgender, adults or children. The Rape Crisis Center has provided services to victims of all ages for 37 years.

What is Sexual Assault?

The term "sexual assault" is used as a blanket term that refers to a number of sexually related forms of victimization. This term includes all types of sexual offenses that involve touching or penetration of an intimate part of a person's body without consent (LeBeau and Mozayani 2001). Thus, sexual assault includes rape, forced sodomy, forced oral copulation, and any form of undesired sexually related touching.

Rights of the Victim *
  1. The right to confer with the prosecution.
  2. The right to be free from intimidation, harassment, and abuse throughout the criminal justice process.
  3. The right to be present at all proceedings where the defendant has the right to be present.
  4. The right to be heard, when relevant, at all critical stages of the criminal justice process as defined by statute.
  5. The right to be informed of all proceedings and the release, transfer, escape or recapture of the accused or convicted person.
  6. The right to a speedy trial or disposition and a prompt and final conclusion of the case after the conviction or sentence.
  7. The right to restitution from the offender.
  8. The right to be informed of each of the rights established for victims.
    * from the Amendment of Article 1, of the State of Tennessee Constitution

Learn More

For questions or to learn more about victim rights, please call the Shelby County Rape Crisis Center at (901) 222-4350. In an emergency, please call 9-1-1.


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Thursday, March 3, 2016

Hard Candy Velvet Mousse Matte Lip Color in Hibiscus

No comments :
I was anxiously waiting for these new matte liquid lipsticks from Hard Candy to come out. They were already sold out of a few of the shades at my Walmart by the time I got to them, and I ended up with this one, Hibiscus.

Hibiscus is a bright coral and not a color I normally go for, but it was my favorite out of the ones that were available and I really wanted to try one out and review it for you guys!
The tin that it comes with is kind of pointless. It has a mirror on the inside of the lid, but I don't know why anyone would carry the tin around with them when the gloss tube itself is so sleek and flat enough to fit in your pocket. As a matter of fact, these tubes remind me of the Urban Decay pocket rocket glosses from years ago. I remember hearing that Urban Decay owns Hard Candy and figured they just recycled a product design, but I did some research and found out that isn't true. Either way it still reminds me of those glosses!
The applicator is long and skinny. I always love these types of applicators with liquid lipsticks, because it makes applying them a bit easier.
The colors is nicely pigmented but does need 2 coats to get it to apply evenly, probably because it's such a light shade. It feels cushiony and moussey and takes a minute or two to dry fully.
It has an amazing vanilla cake batter scent to it, and is kiss proof once it's completely dry. What I found awesome about this formula is that my lips stayed feeling cushiony and comofortable the entire time I wore it - it never felt dry. This shade did tend to collect in my lip lines a little, but  it wasn't a huge deal because it wore so comfortably. I went for about 7 hours, even with eating and drinking, before I felt like it faded enough to need a touch-up. This stuff was $6 and performed beautifully, no complaints! I will definitely be grabbing a few more colors when my Walmart restocks!

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The Musgrave Ritual – Hounds Summary

Ralph Edwards – Fri, 13 Jan 1995

  • What were Watson’s Bohemianisms?
  • What would be less desirable than a butter dish?
  • What recorded cases would have provided criminal relics?
  • Why “incoherent” (memoirs) and “trifling” (achievements)?
  • How big was the small wooden box?
  • Did two years at college in GLOR relate to the last years at a university?
  • Did “no points of contact at all” in GLOR agree with “a good deal of talk about myself and my methods”?
  • Is “scion” used elsewhere in the Canon?
  • Was this the third case in four years?
  • What are the duties of a boy?
  • Would a schoolmaster be less than 20 and so talented?
  • Was Brunton really invaluable?
  • What is significant about “splendid forehead”?
  • Are the Welsh excitable, fiery and passionate?
  • What were Brunton’s mental strengths and weaknesses?
  • Was Musgrave a battle-axe type?
  • How justified was Musgrave in firing Brunton?
  • Are blazonings and charges useful?
  • How did Brunton see to get back to his room?
  • Did Musgrave get the novel to read?
  • Why did the search miss finding Brunton?
  • Don’t trees grow taller in 200 years?
  • Would the iron ring be ignored for over 200 years?
  • Did Rachel take any money or luggage?
  • Where did Brunton get the old-fashioned key?
  • Why didn’t Brunton use a lever to raise the stone?

Chris Redmond – Fri, 5 Apr 1996

The Canonical stories in which Holmes appears without Watson are often cited as evidence that the Johnson is lost without his Boswell — a gem without its setting is dull — they also serve who only stand and wait. All that being the case, how does The Musgrave Ritual, without Watson, manage to be such a good story?

Sonia Fetherston – Fri, 27 Jun 1997

As we launch another reading of The Musgrave Ritual, a personal favorite of many Hounds, I offer the following observations:

  • What is Holmes doing sitting there with a hundred Boxer cartridges? Surely it takes fewer than 20 shots to perforate a “V.R.” on the wall! Has any Hound actually duplicated Holmes’ tracing of the queen’s initials? How many bullets did it require?
  • Maybe SH is prey to emotions akin to love after all! Notice the “tender, caressing sort of way” with which he handles his case files. And exactly how does Holmes know that “a man always finds it hard to realize that he may have finally lost a woman’s love?” Hope for the Russellites after all?
  • Why were the county police summoned by Holmes prior to raising the stone? Wouldn’t that unnecessarily hold up his investigation while they were summoned? Was Holmes so untried that he needed their comforting presence? Remember, he didn’t actually know, at that point, that a crime had been committed. If it was only their added brute strength that was required to help lift the stone, couldn’t some of the Musgrave staff (like the gardeners or gamekeepers) be pressed into service?
  • Rachel tossed evidence into the mere, and Holmes said the items thrown in were “the last trace of her crime.” But what of the other traces of Brunton’s death: the piled up wood, the cravat, and the body itself? If Rachel was a criminal, she was a sloppy one. Can we cut her some slack?
  • How did the crown of the Stuarts, placed in a box and undisturbed for 200-odd years, become bent and twisted out of its original shape? Even the damaged Beryl Coronet still looked crown-like, but the description of the Stuart crown bears no resemblance to anything a king might have worn. And how did the gold become almost black? Gold doesn’t tarnish, does it? This surely was no crown! So what was it, then?

Steve Clarkson – Fri, 11 Sep 1998

In Holmes’ early days as a consulting detective in private practice, his cases were far and few between. He had left college and come to London, where he whiled away the time studying all manner of obscure lore in the British Museum. His third case came to him in the form of Reginald Musgrave, a school friend and wealthy member of the landed gentry.

Musgrave told Holmes a tale which apparently involved not one but three mysteries: a missing butler, a missing waiting-maid, and a strange document which had been in his family for generations but which no one could understand. The central figure in all this was the butler, one Richard Brunton. Brunton had been engaged to marry the missing maid, an excitable girl of Welsh heritage named Rachel Howells, but he had broken the engagement in favor of another girl. Brunton had been caught reading the strange document, and it cost him his job because the paper was a part of his employer’s private life.

On the night of the second day after his dismissal, Brunton, who had been given a week to make his departure, vanished. His disappearance was revealed the next morning by Rachel Howells, who went into a fit of hysteria and was sent to her bed to recover. A thorough search revealed that Brunton had left his wallet, boots, and other personal items behind, although his black suit and slippers were missing and he himself was nowhere to be found. After two days, Rachel Howells silently slipped out of her sick-bed and also vanished. Her footprints were found leading up to the edge of a nearby lake, but dragging failed to produce her body. A linen bag containing some twisted metal and a few rusty disks of metal was found in the lake.

Where were Richard Brunton and Rachel Howells? And what was the meaning of the strange catechism or ritual that may have been linked to it all? In a few minutes, the Mâitre de Chasse will sound his great hunting horn to summon the Hounds to a pursuit of the answers. They may find that their quarry has gone to ground.

The astronomy and trigonometry of MUSG have been gone into many times in the past, and I do not propose to inquire as to the relative position of the sun at a given spot on earth more than 300 years prior to the adventure. Nor do I wish to delve into the significance of “the sixth from the first” taken in conjunction with the Julian calendar, although it is interesting to note that the question, “What was the month?” and the response, “The sixth from the first” do not appear in the Strand Magazine, which first carried the story.

Nevertheless, there are a few trivial matters of interest; for example, when Holmes produced the mementos of his experience at Hurlstone, one of them is described as “a crumpled piece of paper.” What might the paper have been, and why was it crumpled?

In a household the size of Hurlstone, and with the social responsibilities attendant upon the owner, one would think that an experienced butler would have been a necessity. The butler’s position is of great importance in a household and consequently requires considerable training to be carried off well. Yet Reginald Musgrave’s father hired an out-of-work, twenty-year-old schoolteacher for the position. What might have been his reasons for so doing?

Brunton was apparently a man of many mnemonic accomplishments since he played “nearly every instrument” and spoke several languages. Yet Holmes surmised that on the evening Musgrave surprised Brunton during the latter’s examination of the Ritual, “‘[Brunton] wished to refresh his memory upon that last occasion.'” The Ritual is straightforward and brief. Many Sherlockians know it by heart. What was there about the Ritual that required refreshing of the butler’s memory?

The position of Brunton’s body in the fatal chamber is described as “‘…squatted down upon his hams with his forehead sunk upon the edge of the box and his two arms thrown out on each side of it…'” Would this be a likely position for a dead man’s body? And lest the Hounds think that rigor mortis would account for the maintenance of that position, Nysten’s Law posits that rigor mortis begins with the muscles of mastication and progresses slowly downward with the legs and feet remaining relatively limber until the last.

If Brunton and Howells were using all their combined strength to raise the stone, who put the billets of wood under it to hold it open? Further, it appears that Holmes is convinced (“‘her crime'”) that Howells knocked away the final billet, which had the entire weight of the stone resting on its upper end, with a dash of her hand. Would a woman’s strength be sufficient to accomplish this?

Musgrave states that the majestic oak “‘was probably there at the Norman Conquest'” (1066) and “‘has a girth of 23 feet.'” By the 1870’s the tree would have been about 800 years old. The State Tree of Maryland is the Wye Oak, estimated to be 450 years old. It has a girth of more than 31 feet. Could it be that oak trees shrink with age?

Lastly, why was the “‘battered and shapeless'” Crown twisted out of its original shape, and by whom? And what was the purpose of the few coins, which were rusty and therefore of little monetary value since they were not made of silver or gold?

Discover more about The Musgrave Ritual and read the canon.


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Sparkling Bouquet

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Shopo's 3 pcs condiment Kitchen Storage Containers

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The Shotgun Jazz Band Moves On Up

The Shotgun Jazz Band Moves On Up
01 August 2014  by Stephen Maloney

Offbeat Magazine, August 2014

After three albums, myriad roster changes, and the steady transformation from a ragtag street band to dependable club and festival performers, the Shotgun Jazz Band has found its niche. Even better, the six-member traditional-jazz band has solidified its sound.

If you’ve been within earshot of any of the band’s live performances, you know the heart and soul of their particular sound is Marla Dixon’s big, brassy, booming voice that somehow manages to draw you into the band’s crackling live energy while sounding like it could just as easily be emanating from a hand-cranked gramophone.

Behind the scenes, Marla Dixon wears many hats. She’s the den mother/organizer/cat herder tasked with the unenviable job of wrangling half-a-dozen musicians at any given time, with each one seeming to move in three different directions at once. She and her husband John Dixon, who plays banjo with the band, orchestrate the Shotgun Jazz Band from their (you guessed it) shotgun house in the Marigny.

It’s a small miracle that no previous group of musicians with similar living arrangements had happened upon the same band name. What may be even more amazing, though, are the many varied paths the multinational bandmembers took to end up in Marla and John Dixon’s shotgun house and jazz band.

To start out with, Marla is from Toronto, while John is from north Florida. John moved to Toronto in 2008 to live with Marla, who had been coming down to New Orleans for years and brought him on his first visit to the city. They didn’t want to leave.

“Marla had a strong connection to New Orleans, and I didn’t really have a strong connection to anywhere,” John says. “I’ve been playing music for maybe 20 years, but I didn’t really start playing the banjo until we started playing here.”

Marla is the heart of the band for a reason. Her passion for traditional New Orleans jazz lured her south in much the same way as the early Cajuns were drawn down from Acadia to the banks of the Mississippi. After drawing John into her musical orbit, she began to attract and acquire other musicians of a similar inclination and mindset.

With a current lineup that includes the Dixons, Welshman James Evans on clarinet and saxophone, Toronto native Tyler Thomson on bass, Justin Peake from Alabama on drums, St. Louis, Missouri, native Charlie Halloran on trombone, and New Yorker Ben Polcer on piano, the musicians themselves could hardly have come from farther apart. It was the music that brought them together.

“People ask us all the time how the band got together, or if we all know each other from school,” Marla says. “You just come together because of the music. You talk to someone who tells you to call this musician or you see someone playing and you say, ‘Can I call you for this next gig?’”

Marla encountered a few bumps in the road from graphic design to musician, though, especially at the beginning.

“We started when Amy Kirk at the French Market started doing a Saturday feature for the people that wanted to come and play,” John explains. “Marla said, ‘I’m gonna go down there and play sousaphone for two hours by myself!’ I said, ‘That’s the dumbest thing I’ve ever heard.’”

Characteristically undaunted, Marla started playing anyway.

“I had just gotten fired from my job, and before moving down here I was playing sousaphone in Toronto, and I was like, ‘Damn, I’ve got to do something because my life sucks right now,’” she recalls.

It may not have been a particularly auspicious start, but Marla’s time playing in the French Market led her to a realization.

“I was listening to some Billie & Dede Pierce,” she says. “Dede Pierce was a trumpet player, and Billie was his wife. She played piano, and they played these little duets. I was listening to that and I thought, ‘Well shit, I used to play trumpet years ago; I could do this. John plays guitar, he could do that,’ and I cajoled John into coming down to play with me. And then the people in the market would tip us and give us fruit cups, and we realized that we could do this.”

In a city where a band can choose to play primarily on the street and still gain notoriety, as Tuba Skinny is currently proving, the Shotgun Jazz Band could have very well stayed on the streets of the French Quarter. But it didn’t. As fate would have it, Shotgun’s evolution took it in a different direction. Not that anyone was really steering the ship at that point.

“We were just playing on the street, as a three piece, and then we wanted a CD to sell on the street, but we didn’t want to record a CD as a three piece, so we hired a couple more people,” John says. “Then somehow we had a CD with a full band on it. Then, after that, we started getting gigs in clubs because we had a CD with a full band on it, and we were like, ‘Shit, I guess we have to have a band now.’”

There seems to be an invisible line separating buskers on the street corner from bands in bars, and once the Shotgun Jazz Band crossed it, there was really no turning back.

“It really wasn’t that it was easier to play gigs,” John says. “It got harder to play on the street. After a while, we just realized that we had five gigs a week, so we didn’t have to go out and play on the street as much as we were. Then, when we would want to go play on the street, you’d go out mid-morning and find a good spot, and then you start playing at 11. It became going out an hour earlier, and then an hour earlier until people were spending the night there. It just got harder and harder.”

And there was one thing missing from the street corners: veteran musicians.

“If you’re playing on the street, you don’t get to play with old, seasoned veterans of New Orleans music, by and large, which is one of the reasons I moved here,” trombonist Halloran says. “You’re not going to get Tom Sancton or Tom Saunders or Duke Heitger or Tim Laughlin to play on the street, and that’s the reason I moved here, to play with those guys. You might make more money playing on the street, but that’s not the point. I’d rather play with those guys than sit in the sun.”

The band’s trajectory has taken them from the French Market through their home base at the Spotted Cat to Jazz Fest, Satchmo SummerFest, and beyond. It also recently landed them in Luthjen’s Dance Hall in the Marigny, where they recorded an as yet unnamed album.

For clarinetist Evans, the sound the band was able to capture on the new album brings him right back to the root of what he loves about New Orleans jazz.

“It harks back to something very deliberately, which is when people started recording jazz in New Orleans,” Evans says. “They really wanted it to be spit and sawdust. They would put down one mic and stick a bunch of guys in an empty dancehall and have them play. The sound of the instruments is actually blending in the air and not just at the mixing desk.”

Drummer Peake also describes the recording process a deliberate harkening back to earlier times. “It’s nice that we were able to get together as musicians to discuss the sonic space of the recording,” says Peake. “Oftentimes, it’s left up to the producer, but we had a really nice formula for achieving the sound we were looking for. The sound itself is just as much a compositional statement as the music.”

The blending of musicians and the music they make is at the heart of what makes the Shotgun Jazz Band special. As Marla Dixon sang on the band’s 2011 release, Algiers Strut, “C’est si bon.”


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Dolgoch Holiday Homes

  • Visit Wales 4 Star Self-catering
  • Self-assessed Accessibility Information

Self-catering with 4 units £243-£775 pupw sleeps 4-8

Dolgoch Holiday Homes

Dolgoch Holiday Homes

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Dolgoch Falls,
LL36 9UW

Nestling between woodlands and meadows at the foot of Dolgoch Falls in a beautiful valley of south-west Snowdonia is a group of just six split-level holiday homes. Each is individually owned and four properties, as well as being used by their owners, are also available for self-catering holiday rental. Varying in size from 2-4 bedrooms (sleeping 4-8) and recently decorated & refurbished to a high standard, all have been awarded 4 star grading by the Wales Tourist Board.

The views form these properties are simply stunning and their location unique.The Talyllyn Steam Railway Station at Dolgoch is 2 minutes from the door!

Children welcomeRadioTelevisionSatellite TVIroning facilitiesPrivate parkingGardenCentral heatingFreezerMicrowave cookerLinen providedTelephone (public)FishingGolf available (onsite or nearby)Cycles for hireDogs/pets accepted by arrangementWiFi or internet accessDVD playerCD playerHairdryerHigh chairs available

Each of the units varies slightly in the facilities provided - please check the facilities for your chosen apartment. Children welcome from any age.

Plan route to Dolgoch Holiday Homes using Google mapsPlan route using Google maps

Map reference: SH 650046  Lat: 52.62232 Long: -3.99572

From Tywyn follow the Dolgellau road till you get to Bryncrug (approx. 1 mile). Take a right turn to Abergynolwyn (signposted Talyllyn Lake B4405). Travel approx. 3 miles to Dolgoch Falls. Turn into the car park and the properties are situated directly behind the hotel.
Nearest main line train station is at Tywyn and there are infrequent bus services from Tywyn, Machynlleth and Dolgellau.

  • Children welcomeChildren welcome
  • RadioRadio
  • TelevisionTelevision
  • Satellite TVSatellite TV
  • Ironing facilitiesIroning facilities
  • Private parkingPrivate parking
  • GardenGarden
  • Central heatingCentral heating
  • FreezerFreezer
  • Microwave cookerMicrowave cooker
  • Linen providedLinen provided
  • Telephone (public)Telephone (public)
  • FishingFishing
  • Golf available (onsite or nearby)Golf available (onsite or nearby)
  • Cycles for hireCycles for hire
  • Dogs/pets accepted by arrangementDogs/pets accepted by arrangement
  • WiFi or internet accessWiFi or internet access
  • DVD playerDVD player
  • CD playerCD player
  • HairdryerHairdryer
  • High chairs availableHigh chairs available

Each of the units varies slightly in the facilities provided - please check the facilities for your chosen apartment. Children welcome from any age.

Self-Assessed Accessibility Details

  • Parking for Multiple unit properties:
    • YesDrop-off point for guests outside entrance
  • Route from the parking area to the entrance:
    • YesFlat (i.e. without steps)
    • YesSteps and no ramp

Bed/ Bathrooms

  • YesBedroom furniture can be re-arranged if requested by guest

  • YesSeating available in kitchen

There is space directly outside the property to load or unload a car but no long term parking. Car parking is on a gravel surface car park and the approach to the property is then a 100 metres walk along a gravel driveway. Access to the first floor main entrance is via an external wooden staircase (13 steps) and 25 meters of timber walkway constructed of planks approximately 15cm wide laid lengthways, with gaps of about 2cm between them. It is also possible to access this walkway from the rear garden gate - three concrete steps and a sloping path. There is a second entrance at the front of the property at ground floor level, directly into the twin bedroom. Both entrance doors have sills approximately 15cm high. The timber walkway and outside staircase are lit at night. The property is a two-storey end of terrace house with a lounge and kitchen on the first floor, and two bedrooms and bathroom on the ground floor. A single straight flight of thirteen stairs, 76cm wide, connects the two floors. Ceiling heights throughout are approximately 225cm. Most electric power points are situated approximately 50cm above skirting board height, although some are just above skirting board height. Lighting throughout the property is good. Colours throughout are pale shades of cream, terracotta and green, with soft furnishings in deeper shades of these colours (bedroom furnishings are patterned). There is no telephone in the property. Mobile telephones from Vodaphone and O2 networks work at the front of the property. Fire extinguishers are situated at the top and bottom of the stairs. The main entrance door leads into the kitchen, which extends to the left and is fitted with standard height units. A few feet in front the of entrance door, to the right, lie the stairs down to the ground floor. The door to the lounge, 69cm wide, lies ahead and slightly to the left. The lounge is spacious and open with furniture around the sides of the room. The TV and radio have remote controls. The stairs are narrow (76cm), wi th full height walls and a handrails on one side. At the bottom of the stairs there is a 90 deg turn to the left into the hallway. To the right after this turn (at the front of the house) is the twin bedroom. Access is through a 69cm door. To the left is the double bedroom (at the rear of the house). There are bedside lights in both bedrooms. Space around all beds is limited. The door to the bathroom is 70cm wide. The shower is over the bath and the water temperature is controlled by a manually-adjusted mixer tap. The bathroom also contains a wash basin and WC at standard heights.


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Sega’s Latest Shenmue Video Goes Back To The Actual Dobuita Street

By Jenni . July 13, 2018 . 9:00am

Shenmue is like the Yakuza series, in that the game takes inspiration from actual locations in the real world. To help promote Shenmue I & II HD, Sega put together a new video that looks at the real Dobuita Street in Yokosuka, Japan. This is where people spend a lot of time in the original game, as it is Ryo’s hometown.

The footage for the Shenmue: Return to Dobuita Street video was actually recorded back on April 13, 2018. The hosts are comedian Imran Yusuf and YouTuber Adam Koralik. Both of them had made quite a big deal about their being present for SegaFes 2018 back in April, with Yusuf even noting the two had been in Yokosuka together on Twitter. The two visit places seen in the game in the video and talk about their memories with Shenmue.

Shenmue I & II HD will be coming to the PlayStation 4, Xbox One and PC on August 21, 2018.

Read more stories about & & & on Siliconera.

Video game stories from other sites on the web. These links leave Siliconera.

Siliconera Tests
Siliconera Videos


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Silk Purse, Sow's Ear

Purple Moonstone Earrings

Image of Purple Moonstone Earrings

These great earrings are made from vintage glass in a beautiful, dusky purple mauve shade. The glass has a very subtle irridescent quality that gives a soft sheen in certain lights. The gems are a classic rounded oval shape, and are set in golden vintage brass settings.

The whole earring measures just under 3cm long - the stones measure 1.2cm and are designed to hang just under the earlobe. They have gold plated French style ear wires, with a secure lever fastening. Perfect for an understated vintage look.


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Our team

Luis Baselga Torres

Luis Baselga Torres is International Director for the Chinese, India, Russia and ASEAN markets of Simon Holding, a 300 euro million global electrical wiring devices, lighting control and security systems company. He has contributed significantly to establish Simon a global leader in switch making business.

Luis is a visionary business leader with a unique mix of technical and business knowledge in both B2B and B2C international markets. He started his career in FMCG industry as Product Manager in Sara Lee. Then, he moved to B2B market where he worked with Sony for 16 years and managed different business verticals like professional production, display, CCTV, Electronic Photography and Medical solutions.

Luis began his career with Simon Group in 2004 when he joined as CEO of Simon Connect. After 4 years, Simon Connect was merged with the parent company Simon, S.A. Since then, he has held a series of leadership positions in the company and developed a leadership profile in the Simon Holding International Department.

Luis holds a degree in Telecommunication Engineer by UPC (Polytechnic University of Catalonia) and an MBA in IESE (Navarra University).

Copyright@2016 Simon Electric Pvt. Ltd. | All Rights Reserved - Powered By: Digital Marketing Agency Delhi


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WhatsApp Call Services Starts In UAE

Now like other countries you can use WhatsApp calling to your contact from UAE. This is a new move from the instant messaging service provider. However, there is no confirmation if this is by mistake or the Govt has approved this.

whatsapp call from uae

Now you can call your friends and family via the VOIP service of WhatsApp.

Govt. is yet to make any official statement about this new move on VOIP service. According to the UAE’s Telecom Regulatory Authority, “VoIP services are still a prerogative of the licensed providers who reserve the right to provide such services through their networks. Companies wishing to offer such services must coordinate with the licensed telecom providers in the UAE.”

Let us know if you have made any calls via WhatsApp and how was the quality of the call?

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Categories: News & Events

SiREM Technologies Featured at the Battelle Sediments Conference

SiREM is pleased participate in the Ninth International Conference on Remediation and Management of Contaminated Sediments to be held in New Orleans, LA January 9-12th, 2017. The Sediments conference is a leading forum for sharing research, practical experiences, and opportunities associated with the remediation, restoration and management of the environmental and economic vitality of waterways.

SiREM products, research and development, and treatability testing services are featured in numerous platform presentations that highlight SiREM’s increasing focus on sediment remediation. Platform presentations featuring SiREM include Passive Sampling for Measuring the Availability of Hydrophobic Organic Chemicals – The End-user Perspective (Jeff Roberts, SiREM). The presentation will focus on the use and data interpretation for the SP3™ Sampler applications including a field case study at the Puget Sound Naval Shipyard, Bremerton, WA. Visibly-Detectable Dyes as Performance Reference Compounds in Passive Sampling Devices highlights R&D performed at SiREM during the SP3™ sampler development. SiREM sediment treatability studies are featured in Bench-Scale Screening of Ebullition Potential, a study that quantified the effect of biotic methane gas bubbles on NAPL mobility. Treatability Testing to Select Activated Carbon Dosing, Meet PCB Cleanup Goals, and Accelerate Remedy Implementation Schedule, which highlights SiREM’s laboratory testing of active cap materials, will also be presented.

In addition to participating in the conference technical program, SiREM is also an exhibitor, please visit us at Booth 122.

Pam Wood

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