September 2007
Monthly Archive
Sun 30 Sep 2007
It is easy to get nervous when you step onto the tee.
What I do is take a couple of deep breaths to get rid of all the negative energy and breathe in the positive stuff.
When your muscles lack oxygen they tense up. What you want are nice, relaxed muscles to get the most efficient swing.
4. Stick to your routine
More than anything you need to have your routine. Next time you watch Tiger or Ernie look at their routine. That’s their way of feeling comfortable.
I walk up to a shot and look where I want it to go. Next I take a practice swing. Then I cock my club back, once looking at the target, then two more times.
It’s then that I’m relaxed and ready to hit the shot.
5. Don’t even think about it
Last of all when you play your shot don’t think about it. Just hit it.
If you’ve done your homework and your practise you should be fine. Standing over the ball is not the place to think about your grip or your swing.
Do your thinking on the driving range.
Originaly from Source
Sat 29 Sep 2007
What does the Chancellor have in store for us in the pre-Budget report? A leading accountant offers her top tips.
Put 10 December in your diary. It’s the date of the Chancellor’s pre-Budget report, a sort of mini-budget.
The Chancellor normally reserves his big announcements for the Budget which takes place in the Spring.
But the pre-Budget review can be a good way of breaking unwelcome news, the idea being that by next year we will have either forgotten or got used to it.
This year the announcement is very close to Christmas, but I doubt the Chancellor will be giving away few presents.
So what will be in his pre-Christmas stocking? And how could it affect you?
Childcare
Childcare provided by your employer has always been free of National Insurance (NI).
However it’s currently only tax-free if your employer both pays for the childcare and manages it.
The good news is the government is expected to announce that other employer-supported childcare, not just childcare in work-based nurseries, but also vouchers, could be free of tax and NI.
But the bad news is that financial support could be capped at 50 a week.
This low ceiling could lead to a NI increase for many people and a tax bill for some parents.
I also fear that it could increase complexity for employers, and some could stop providing childcare altogether.
Vans
The government has been consulting on plans to change the way vans are taxed.
The Inland Revenue currently classes company cars and vans differently. Cars are heavily taxed, while vans get off more lightly.
If your employer provides you with a van you can use to go to and from work, and/or use at the weekends, you could be in for a big surprise.
The government has woken up to the increasing popularity of vans in recent years.
It plans to treat vans like company cars, so people could see their tax bill increasing by more than 100%.
Pensions
The complex pension tax rules are due for a shake-up.
Obscure regulations are going to be swept away, but other problems could appear.
For instance, if your pension savings fund does really well, so that its value exceeds 1.4m, the Chancellor is expected to confirm that any excess will no longer be tax-free, but will be taxed at the rate of 60%.
Stamp duty
For most people, having such a large pension is as likely as living in Lapland. Owning a valuable house is much more likely.
But Will Mr Brown catch you there too?
Although there has been lots of speculation about whether stamp duty should be changed to reflect booming house prices, it is likely the government will be preoccupied with two major reports on housing, the Miles report on fixed term mortgages and the Barker report on increasing the supply of housing.
And with the housing market finely balanced, it may not want to increase stamp duty this time.
Domicile
This issue has been simmering in the background for years - but is definitely one to watch in this year’s pre-Budget review.
Generous tax breaks are available to people who live in the UK, but do not regard Britain as their home country.
This rule is very beneficial for wealthy foreigners, because they can avoid paying tax on non UK income and capital gains, as long as they do not bring the money into the UK.
These “domicile” rules are likely to change, increasing the tax bill for these individuals.
There is a political argument that the rules could be fairer, but I think too harsh an approach will make rich entrepreneurs less likely to set up businesses here.
National Insurance (Nics)
NICs stands for National Insurance Contributions.
In April this year NICs went up by 1% on earned income.
In my view, it is unlikely the Chancellor will put them up again so soon this side of a general election.
The opinions expressed are those of the author and are not held by the BBC unless specifically stated. The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.
Originaly from Source
Fri 28 Sep 2007
Home Information Packs (Hips) are being introduced into England and Wales from 1 August for all properties with four-bedrooms or more.
The whole idea of the packs has been controversial from the outset.
Some warn that it will add an unnecessary layer of expense and bureaucracy to the house selling process - but others argue that it brings much-needed transparency.
BBC News explains what the packs will mean for homeowners and the housing market.
I want to sell my house and was told that I will need a Home Information Pack. What are they?
The packs are to contain information that will be useful to any potential buyer.
Copies of title deeds, any recent planning permission or building consent given on the property, a local area search and an energy performance certificate will all be in the pack.
Under the rules, everyone marketing a property with four or more bedrooms has to commission a Hip.
Ultimately, the government wants all homes put up for sale in England and Wales to have a Hip.
Scotland is set to get its own version of Hips in 2008.
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PACKS WILL INCLUDE
Evidence of title
Copies of planning, listed building or building regulations consents
A local search
Guarantees for any work on the property
An energy performance certificate.
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Energy performance certificates - what are they?
The idea of the certificate is that, at a glance, would-be buyers will be able to see the property’s energy efficiency - a bit like when they buy a fridge.
The homeowner will also be presented with some tips on how the energy efficiency of their home can be improved.
Energy performance certificates kill two birds with one stone - providing information for homebuyers and ensuring the UK complies with an EU directive which comes into force in 2009.
However, the cost of having a property’s energy performance assessed has been estimated at anything from 100 to 150.
Thousands are in training to become energy performance assessors, as the jargon has it, to inspect properties new to the market and issue certificates.
But only about 2,000 have so far been accredited.
Why are the packs being introduced?
Hips have been in the offing for a decade.
The Labour government went into the 1997 general election promising to introduce Hips, with the express intention of reducing the number of property sales which fall through.
The idea is simple: the more information that is presented to the buyer upfront, the slimmer the chance of a nasty surprise scuppering the sale further down the line.
I remember that originally Hips were meant to contain a structural survey - has that plan been dropped?
Yes.
Last year the government announced that Hips would, for the time being, not have to include a structural survey.
Many thought that dropping the requirement to have a survey would mean that the whole Hip project would be shelved.
However, the government has pressed on with Hips.
How will I organise getting a pack?
Some estate agents will offer to act as go-between for pack providers.
Alternatively, homeowners maybe able to approach pack providers direct.
I have read that these packs could cost up to 1,000 - is this true?
This is probably a bit of an overestimate - but you can probably expect to pay 400-700 for a Hip.
Potential buyers will not have to contribute to the cost of a Hip.
Will the packs make the buying and selling process easier?
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However, they may want to get their own local authority searches done and mortgage companies will still insist on a proper valuation.
I am buying a property. How much store should I set on the information in the pack?
The information will be useful but it may soon be out of date. Your solicitor may well advise that you get your own searches done.
Your mortgage provider may also want fresh property searches.
In other words, they may well disregard Hips.
Originaly from Source
Thu 27 Sep 2007
Argentina will be the surprise package of this year’s rugby World Cup, according to Italian coach John Kirwan.
The Pumas have only once gone past the group stages in the four previous tournaments to date, their best result when they reached the quarter-finals four years ago.
But Kirwan believes Argentina remain potential candidates for a place in the semi-finals.
He told the BBC Sport website: “I see New Zealand and England as the two teams to beat, with Australia and France also in contention.
“But people should not overlook Argentina - they’re the real wild cards and could easily upset that leading quartet.”
France have already been beaten twice in 2003, losing 10-6 and 33-32 in a two-Test series.
And Kirwan tipped the Pumas to cause some other upsets when the tournament begins in 10 October.
The former All Black wing said: “I was impressed with how they played against both France and South Africa but I wasn’t surprised.
“Argentina are a hard side to knock over. They’re well drilled and they have a good coach.
“They maintain that same solid pack they’ve always had over history and they do the basics very well. But they also have that bit of flair that stands them aside from other teams.”
Argentina are in Pool A - dubbed the “pool of death” - and face defending champions Australia, Ireland, Romania and Namibia.
They look set to easily overcome minnows Romania and Namibia, but are likely to need to beat either Australia or Ireland.
Kirwan added: “I think they’ll do it. Put it this way, I’m pleased it’s a team we won’t have to face.”
Originaly from Source
Wed 26 Sep 2007
Political gossip blogs are the ones which are currently attracting the most readers, which shouldn’t be a surprise. They’re among the funniest of the sites on offer, and there’s always been a market for the scurrilous end of political coverage. And scurrilous is what you get at sites like Order Order, which is run by a libertarian troublemaker under the name “Guido Fawkes”. Political junkies may find Guido’s tittle-tattle irresistible, but for those of a shockable disposition, the BBC caveat about not being responsible for external websites applies double. Guido has also branched out into podcasting with another gossip blogger, Recess Monkey, where the sympathies are with New Labour, but the tone is hardly reverent. A recent new source of gossip is the splendidly-named Iain Dale’s Diary, where the former Tory candidate offers podcasts, newsletters and traditional blogging, and one post states the philosophy of many weblogs: “It’s Up to the Blogs to Make it Hit the Fan.”
The BBC is not responsible for the content of external websites
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Commentary is another avenue taken by a lot of blogs. Bloggers can find it hard to do traditional journalism, since they lack the hours, contacts and access of their cousins in print and broadcast. But political commentary is open to anyone who can write. (Most can’t, of course, but then the same applies to the papers.) Some good places to start would be ConservativeHome, which gives a better picture of the state of the Tory party than any of the official sites; the site it inspired, LabourHome (strapline: “back to the roots”); Post Political Times, where former Lib Dem MP Richard Allan has the time to be thoughtful and the Adam Smith Institute Blog, your one-stop shop for free market snippets.
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Campaigning blogs keep appearing on the scene. Make My Vote Count has electoral reform in its sights, but offers a good overview of British politics; LibDem Blogs does what it says on the banner, aggregating from dozens of yellow-liveried campaign sites and Backing Blair does the opposite of what it says on the banner, offering news and campaigning tools in the hope that you’ll get “Labour in - Blair out”.
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Linkblogs are one the oldest and snappiest uses of the technology. If you find a blog like this that you enjoy, it’s a good way of getting a daily digest of articles and stories from other blogs and from the papers. The bewilderingly prolific Tim Worstall has a sometime focus on economics, but covers the gamut with élan; the same applies to Europhobia with regard to the EU and The Virtual Stoa keeps the blogosphere’s brainy Marxist wing up to speed.
The BBC is not responsible for the content of external websites
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Satirical blogs are where lampooners do the same as the commentators above. Computers have let bloggers do what would have needed an edit suite or developing studio not so long ago. In the world of satirical manipulation of photos and images, the best are Beau Bo D’Or and Bloggerheads, there are animations at Eclectech, and old-fashioned tasteless text at Chase Me, Ladies, I’m In The Cavalry.
The BBC is not responsible for the content of external websites
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Finally, there are the opinion blogs, which do much the same job as newspaper columnists - sometimes better; sometimes worse. The writing you enjoy the most may not be from bloggers whose politics you share: the easiest way is to dive in, try a few, follow the links from their “blogrolls”, and remember the ones you’ve liked. In no particular order, then, have a peek at Dodgeblogium, Councillor Bob Piper, A Big Stick & A Small Carrot,Chicken Yoghurt, Blithering Bunny, Harry’s Place, Samizdata and Blood & Treasure.
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The BBC is not responsible for the content of external websites.
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If you’re overwhelmed with bookmarks, the best thing you can do is read about how RSS can help you manage your new reading.
And no round-up of UK political blogs would be complete without a tip of the hat to the BBC’s own bloggers, including Nick Robinson’s Newslog, Newsnight’s Idle Scrawl and Martin Rosenbaum’s Freedom of Information blog Open Secrets.
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Political cybersquatting reaches the UK
It can be difficult trying to find political information online. To find the Labour Party’s manifesto, do you go to Labour Dot Com? Maybe New Hyphen Labour Dot Co Dot UK?
And making matters more frustrating are the annoying pranks played by political parties pretending to be each other online.
So we’ve been through all the spoof sites and dead ends so that you don’t have to: here’s a long list of political parties. And do help us keep it up to date by emailing any changes you’ve noticed to alan.connor@bbc.co.uk.
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How is the net changing politics?