smell seemingly is a sense NOT actioned by 'lock and key' modalities but rather molecular vibration;
http://www.ucl.ac.uk/news/news-articles/0113/130113-secret-of-scent-lies-in-molecular-vibrations?utm_source=twitterfeed&utm_medium=twitter
whale vomit found on morecambe beach - Ambergris - and base of perfumery;
http://travel.aol.co.uk/2012/08/30/rare-whale-vomit-ambergris-worth-40k/
what is ambergris?;
http://en.wikipedia.org/wiki/Ambergris
Thursday, 31 January 2013
Wednesday, 30 January 2013
Meeting Lister house
meeting re creation of provider company
next meet 15th feb with nigel grinstead et al
need for project scoping group to be formed and CCG practices 'buy-in' philosophically and financially.
next meet 15th feb with nigel grinstead et al
need for project scoping group to be formed and CCG practices 'buy-in' philosophically and financially.
Friday, 25 January 2013
Bee keeping au Naturale
Bee keepers spread diseases, here lies a 'no-touch' technique of looking after bees;
http://warre.biobees.com/
http://warre.biobees.com/
Thursday, 24 January 2013
Wednesday, 23 January 2013
NHS Pension
some maths
LTA 1.5 million drops to 1.25 million april 2014
AA 50K drops to 40k april 2014
pension grows by contributions + [CPI+1.5% if contributing/or CPI alone if not contributing]
1.25 divided by 23 = Max pension = 54K
40 divided by 16 = Max amount pension is allowed to grow tax free.
ask Fleetwood each year for a calculation of your pension and TFLS for 1995 schemers 23 = 20[pension] +3[TFLS], you have it in writing ! you also have a prediction of the annualized growth if you keep contributing at the same rate ie part of the AA question.
each year you get a reply plot a graph as to the accumulator.
CPI is defined each financial year in september.
for GP's your pension is 1.4% of your total career superannuated earnings.
pension x 23 = your LTA.
ie two sets of equations.
when you defer contributing is up to you.
when you crystallize your pension ie take cash is up to you - if before age 60 you lose about 3-4% each year look up the actuarial figures.
Actuarial tables as of nov 2011;
http://www.nhsbsa.nhs.uk/Documents/Pensions/Early_and_Late_Retirment_Factors_V0.1.Nov11.pdf
some advice from medical-money;
http://www.medicalmoney.co.uk/2012/11/pensions-your-questions-answered/
NHS pension and fixed protection 2014;
http://www.nhsbsa.nhs.uk/Documents/Pensions/Reduced_Lifetime_Allowance_and_Fixed_Protection__V3__03.2012.pdf
NHS pension and individual protection 2014;
http://www.nhsbsa.nhs.uk/Documents/Pensions/TN7_-_2013_-_Employer_Newsletter.pdf
NHS Pension and enhanced protection;
http://www.nhsbsa.nhs.uk/Documents/Pensions/Reduced_Lifetime_Allowance-How_this_affects_members_with_Enhanced_Protection_(V1)_03.2012.pdf
LTA 1.5 million drops to 1.25 million april 2014
AA 50K drops to 40k april 2014
pension grows by contributions + [CPI+1.5% if contributing/or CPI alone if not contributing]
1.25 divided by 23 = Max pension = 54K
40 divided by 16 = Max amount pension is allowed to grow tax free.
ask Fleetwood each year for a calculation of your pension and TFLS for 1995 schemers 23 = 20[pension] +3[TFLS], you have it in writing ! you also have a prediction of the annualized growth if you keep contributing at the same rate ie part of the AA question.
each year you get a reply plot a graph as to the accumulator.
CPI is defined each financial year in september.
for GP's your pension is 1.4% of your total career superannuated earnings.
pension x 23 = your LTA.
ie two sets of equations.
when you defer contributing is up to you.
when you crystallize your pension ie take cash is up to you - if before age 60 you lose about 3-4% each year look up the actuarial figures.
Actuarial tables as of nov 2011;
http://www.nhsbsa.nhs.uk/Documents/Pensions/Early_and_Late_Retirment_Factors_V0.1.Nov11.pdf
some advice from medical-money;
http://www.medicalmoney.co.uk/2012/11/pensions-your-questions-answered/
NHS pension and fixed protection 2014;
http://www.nhsbsa.nhs.uk/Documents/Pensions/Reduced_Lifetime_Allowance_and_Fixed_Protection__V3__03.2012.pdf
NHS pension and individual protection 2014;
http://www.nhsbsa.nhs.uk/Documents/Pensions/TN7_-_2013_-_Employer_Newsletter.pdf
NHS Pension and enhanced protection;
http://www.nhsbsa.nhs.uk/Documents/Pensions/Reduced_Lifetime_Allowance-How_this_affects_members_with_Enhanced_Protection_(V1)_03.2012.pdf
Screening for dementia
rather odd, im all for disease registers up to a point but this is beyond the point;
http://www.bmj.com/content/345/bmj.e8588
beggars the question is the Government dementing?
http://www.bmj.com/content/345/bmj.e8588
beggars the question is the Government dementing?
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