Faith Watson

Reading is dreaming with open eyes.

Group Holiday Things to do in Southbourne, Dorset

Southbourne is a popular holiday resort and is a suburb of Bournemouth. Situated between Boscombe and Christchurch, it offers a pleasant beach and a host of nearby visitor attractions.


The area was originally known as Stourfield, named after the River Stour which runs into the estuary at Christchurch. Edmund Bott had a beautiful mansion built in 1766 and it was named Stourfield House. It became the home of Mary Eleanor Bowes, whose title was the Countess of Strathmore and Kinghorne. When her father died, Mary inherited great wealth and attracted many suitors. Despite her inheritance, or perhaps because of it, she had an unhappy life and was known as the £Unhappy Countess£.


If her title seems familiar, you may be interested to know that Mary Bowes married John Lyon, 9th Earl of Strathmore and eventually the family name and title were passed to the late Queen Mother, Elizabeth Bowes-Lyon, Countess of Strathmore and Kinghorne. Today the site is merely a block of flats in Douglas Mews, marked by a blue plaque.


Like many Victorian seaside resorts, Southbourne once had a pier. It was built in 1888 and was 300 feet long. Boat trips were regularly run between Southbourne pier and Bournemouth pier but heavy winter storms in early 1901 led to the pier being closed for safety reasons. It was demolished in 1909.


The eastern part of Southbourne is known as Hengistbury Head which forms the boundary with Christchurch Harbour. Quarrying of the headland in the mid-19th century led to it being badly eroded by the sea.


Present Day Southbourne


Southbourne today is centred on the shopping street of Southbourne Grove. It is a pleasant place to find independent shops and boutiques along with a post office, gift shops and many caf£s.


There is a funicular railway which links the coastal road with the promenade and beach area. It is known as the Fisherman's Walk Cliff Railway and was built in 1935 to carry 12 passengers at a time up the 128 foot (39m) incline.


The clifftops offer spectacular views across to Swanage, Hengistbury Head and even the Isle of Wight on a clear day,


Things to do in Southbourne


Southbourne has a blue flag award beach with good facilities and a popular seafront restaurant. The sand and shingle beach is popular with families and is ideal for surfing, kitesurfing and windsurfing. On calm sea days snorkeling is good in the clear waters.


The promenade runs continuously from Southbourne to Boscom be and Bournemouth. It is popular for evening strolls. In the other direction, Hengist bury Head offers a pleasant place to walk on gravel footpaths which lead down to Quarry Pool which attracts some birdlife.


The Green Flag awarded Seafield Gardens offer a Bowling Green and tennis courts.


Just inland from Southbourne is the charming old village of Christchurch at the confluence of the rivers Avon and Stour. It has a Norman castle and the old priory dates back to 1094. It is now used as a parish church and has the longest nave in England at 311 feet (95m).


Southbourne makes an ideal base for exploring the area including the New Forest and nearby Bournemouth with its pleasure gardens and excellent shopping centre.

Credit Rating - FRANK OWENS LTD



Credit Risk Update: FRANK OWENS LTD, 50 MAIN STREET, LIMAVADY, CO L'DERRY. Public houses and bars. The legal status is a Private Limited Company and the current status at the registry of companies is Active. The last filed accounts are dated 31 March 2015. The company was incorporated on 18 November 2002.


The accounts next due date is 31 December 2016. There are no mortgages.


The above was based on public record information as at 14 August 2016 and may not reflect the current status. Please access the current report to ascertain the current status and credit rating.


FRANK OWENS LTD business sector includes beer gardens (independent), beer gardens (managed), beer gardens (tenanted), beer halls (independent), beer halls (managed), beer halls (tenanted), licensed bars (independent), licensed bars (managed), licensed bars (tenanted), licensed victualler (independent), licensed victualler (managed), licensed victualler (tenanted), naafi clubs, public houses (independent), public houses (managed), public houses (tenanted), taverns (independent), taverns (managed), taverns (tenanted).



Registered Number: NI044715

Date Incorporated: 18 November 2002

Date Latest Accounts: 31 March 2015



Legal Form: Private Limited Company

Previous Names: None

Registered Number: NI044715

Annual Return: 18 November 2015


SIC Code and Operations: 56302 - Public houses and bars



Number of Mortgages: 0

Satisfied Mortgages: 0

Part Satisfied Mortgages: 0

Unsatisfied Mortgages: 0


Cambridge Associates Asia Singapore: Areas of Expertise

We know all investors are not the same. That’s why our investment professionals are organized within practice areas. Our investment professionals are experts at understanding the nuances of the client segments that we serve. They devote their time to addressing your specific challenges.


Nonprofit Institutions

Nonprofit institutions represent more than two-thirds of our client base.  These clients’ assets represent more than 70% of total U.S. higher education endowment assets and 40% of U.S. foundation assets.   And we work with each client to help them build a portfolio that is fully customized to meet their investment goals.  Explore our nonprofit practice.


Private Client

Working with more than 200 private clients in 25 countries around the world, our private wealth professionals know how to develop tax-aware strategies, plan for generational needs, and identify beneficial trust structures.  Explore our private client practice.



We recognize that each plan sponsor has unique and different objectives.  For the more than 100 pension funds that we work with, we develop customized solutions to help plan sponsors meet their fiduciary obligations. Explore our pension practice.


Mission-Focused Investors

Using our global manager database and extensive due diligence on a wide range of MRI investment opportunities across asset classes, we help investors develop and implement mission-related strategies that work for their portfolios.  Explore our mission-related investing practice.


Enterprise Advisory

Working with nonprofit institutions for more than 40 years, we specialize in understanding the enterprise conditions, risks, and opportunities that are unique to each institution’s circumstances. Explore our enterprise advisory practice.


Pioneer Associates

Pioneer Associates has been providing management consultancy services since inception in 1990, ranging from corporate advisory, taxation, internal audit, SOX compliance to special audit services. As a client-focused firm, we adopt a personalised approach and pride ourselves on our long-term client relationships.


  • In January 1990, a group of skilled professionals left Arthur Young to form boutique firm Pioneer Associates. We are committed to delivering innovative, personalised solutions to challenges of any size. Our relationships with clients are built on our understanding of their businesses in addition to mutual trust and respect.


  • Bolstered by a team of experienced professionals, our directors work closely with our clients to understand and support their individual business needs. Our professionals are drawn from different backgrounds and nationalities, and many of them have considerable working experience in an international accounting environment. To facilitate our work in the region, our team comprises professionals who are conversant not only in English, but also in other languages spoken in the region, such as Bahasa Indonesia, Malay, Mandarin, and some Chinese dialects such as Cantonese, which is widely spoken in Hong Kong and Guangzhou (PRC).



  • Our relationships with leading professionals—including accountants and lawyers in Hong Kong, Indonesia, Malaysia, PRC, Taiwan, Thailand, Australia, the UK, and the USA — enable us to facilitate the provision of quality services to our clients in these countries. We personally coordinate these regional and international services to ensure that we utilise the best local advice available.

James Earl Hamilton Marsden - Paternal Great-Grandfather: John Hamilton of Cadzow

Sir John Hamilton of Cadzow, 4th Laird of Cadzow (b. bef. 1370 – d. c. 1402) was a Scottish nobleman and soldier.


He succeeded his father, David Hamilton of Cadzow, no later than 1392, when he appears on a charter of Andrew Murray of Touchadam as Dominus de Cadzow.


He was imprisoned, along with his brothers William and Andrew, in Norwich in 1396. Richard II of England ordered their release from the Mayor and bailies of that city on 29 June. It appears that their imprisonment was due to violations of the truce between the Kingdoms of England and Scotland. A John Hamilton, either his brother John Hamilton of Bardowie, or uncle John Hamilton of Fingalton, was released from the Tower of London on the same date. Hamilton and his uncle seem to have found themselves guests of the English again, when at a meeting of Border commissioners at Hawdenstank on 28 October 1398, the first point of business was the release of Hamilton of Cadzow, and Hamilton of Fingalton and others in their entourage. The Hamiltons had been caught at sea by English privateers, again in violation of the truce. The English were urged to release the ship and restore their goods to them, or alternatively pay suitable recompense.


There is no record of Hamilton’s death, though it is possible that he was one of the prisoner fatalities at the Battle of Homildon Hill in 1402, where a Sir John Hamilton, elder, appears on a list of captives.


Marriage and children

- John Hamilton married Janet or Jacoba Douglas, daughter of Sir James Douglas, 1st Lord Dalkeith, prior to 1388. It was thought that he had three sons by her:

- James Hamilton of Cadzow

- David Hamilton of Dalserf   

- Walter Hamilton of Raploch


However DNA testing of descendants of James and Walter in the Hamilton Surname DNA Project show that these two did not have the same father. The DNA project shows that the descendants of Walter and his uncle John Hamilton of Fingalton are related, which suggests that James’s biological father was not from the same family.


For more info about this topic, click here.


Axia Consultants: Request for Information (RFI) Template

A quick and easy way to prepare your RFI


This RFI Template helps you quickly create your Request for Information for issue to suppliers and vendors. As one of a suite of universal templates, this RFI Template will:


Save you time preparing your Request for Information. Just fill in the blanks and add your requirements. Preparing a high quality, professional RFI suitable for issue to suppliers and vendors is now a cinch. And as everything is in MS Word, you can quickly and easily configure to your precise needs.


Save you effort as you don’t have to start from scratch. The RFI components are already there for you to use as you need. They’re based on the purchase of new IT, software and services, but are equally suitable for many other business RFI needs, because the template is totally flexible and amendable.


Help you short list suppliers. The standardised template format also helps suppliers to more clearly understand your requirements and more easily respond. So you will receive clearer and improved responses. And consequently, spend less time and effort evaluating and comparing supplier responses, and more easily identify a short list of potential suppliers.


RFI Template Contents


  • RFI Template (Request Part)* to send to suppliers / vendors, containing:

Executive summary

  • Organization background
  • Project background
  • Instructions to the supplier or vendor, on how to reply to the RFI
  • RFI Template (Response Part)* for suppliers / vendors to complete, containing:
  • Summary statements
  • General requirements (for new software)
  • Mandatory requirements (for new software)
  • Additional information requested
  • RFI Cover Letter Template*
  • Instructions, Guide and Tips - for preparing your RFI (PDF)


(*) Available in MS Word 97-2003

60-Day 100% Full Money-Back Guarantee


If you are not completely satisfied with a Template – simply email us within 60 days from purchase.


Get your copy now


Get a copy from our online shop and have it delivered to your in-box. You’ll receive an email straight after payment, which has links for you to download your copy and print a receipt.


Shop with confidence. Buy now, using the secure servers of our billing partner, SWREG/Digital River. Most major credit and debit cards are accepted. All major currencies are accepted.


We value your privacy. We will not rent, sell or give your details to any other organisation.

2015 Honda CB500F (Demo) - Al Lamb's Dallas Honda

Honda’s new CB500F is the new, stylish, more comfortable, sport bike. With its sleek new look, the CB500F allows for riders to find a more comfortable and classic riding position while maintaining performance, because of the lower 30 inch seat, and it’s powerful 471cc motor. It is the perfect sport bike for riders who are looking to advance through a displacement class, as well as for anyone who enjoys stylish mid-weight motorcycles.


The CB500F allows for riders to sit in a more upright position, allowing for a more comfortable riding and commuting, while also increasing passenger comfortability. In addition, the CB500F is lighter than other 500cc motorcycles, allowing for better handling, and for riders to more easily back it up into parking spots, as well as put it on its side stand.

Dr. Richard Isaacs - Specialties & Qualifications

Specialty: Otolaryngology (ENT)


Otolaryngologists (also known Ear, Nose & Throat doctors) specialize in disorders of the head and neck ranging from hearing loss to cancer.


Subspecialties: General Otolaryngology/ENT, Head & Neck Microvascular Surgery, Head & Neck Oncologic Surgery


Hospital Affiliation


Kaiser Permanente South Sacramento Medical Center



#40 in California

Recognized in Northern Sierras

#4 in Sacramento metro area


Kaiser Permanente Sacramento Medical Center



#17 in California

Recognized in Northern Sierras

#2 in Sacramento metro area


Education & Medical Training


University of California Davis

Residency, Head & Neck Surgery


Memorial Sloan-Kettering Cancer Center

Residency, Head & Neck Surgery


Cornell University Medical College

Residency, Otolaryngology Head and Neck Surgery


St Vincent's Hospital and Medical Center

Residency, General Surgery


Wayne State University School of Medicine


Certifications & Licensure


American Board of Otolaryngology

Certified in Otolaryngology


CA State Medical License

Active through 2016


Richard Isaacs joined Kaiser Permanente in 1995 and he has Advanced Certification in Head and Neck Oncologic Surgery. His specialties include: orbital, nasal, and maxillofacial surgery, as well as thyroid and parathyroid surgery. Additionally, Rich is trained in Facial Plastic and Reconstructive surgery and has an interest in post-tumor facial reconstruction and facial reanimation surgery.


Contact Al Lamb's Dallas Honda Now!

Ready to take the first step in owning your next – or first – Honda motorcycle, ATV, scooter or SxS? The expert staff at Al Lamb’s Dallas Honda will help you find the perfect powersport vehicle that’s right for you. Before you know it, you’ll be taking off on your next long-distance or off-road great adventure. Reach our friendly staff below at 972-238-7148, including our Service Department for reliable service and maintenance. Or contact them directly by email.


Al Lamb’s Dallas Honda

9250 LBJ Frwy

Dallas TX 75243

Phone (972) 238-7148

Fax (972) 699-1905

Free Phone 1-800-747-0648

Email Address

2015 Honda Shadow Aero 750 ABS - Al Lamb's Dallas Honda

The first thing that will grab your attention about the Aero 750 is its custom retro style. But the real beauty of this cruiser motorcycle is beneath the surface with its big V-twin engine, three-valve dual-plug combustion chamber and five-speed transmission. Riders have the maneuverability to cruise the city streets at an unhurried pace or ramp up on the interstate without revving the engine through the roof.


If there’s one place you don’t want retro performance, it’s when it comes to your brakes. That’s why Honda designed the custom motorcycle with a 296mm front disc for distinctly modern stopping power. The road can throw anything your way – from wet pavement to sand and other debris on the street. With Honda’s innovative anti-lock brake system (ABS), the VT750 Shadow Aero ABS delivers confidence-inducing braking in challenging environments.


Honda’s proven ABS is a perfect addition to your Aero 750 when you’re riding in a less-than-perfect world. It helps make cruiser motorcycle riding more secure, and under normal operation, you’ll never know it’s there. But when you do need it, it’s always there to back you up. Brake with confidence when you ride the VT750 Shadow Aero 750. That’s the extra confidence you need to enjoy your riding experience without a worrying about what’s around the next curve.

How to integrate social media into sales promotions tips – Bacall Associates

Social media can provide a huge amount of information about qualified leads. A well-designed campaign using a combination of promo codes can produce a lot of detailed data, that's why most social media platforms provide analytics to analyze these data for future campaigns. It's really important to properly manage the data when you have collected these leads. A modern CRM (customer relationship management) software allow your team to capture leads as well as to follow up with offers and subsequent campaigns.


Today, it's no doubt that a lot of customers choose social media to search for trusted opinions of different individuals about a certain product or service since it's easier for them to research and buy online. A well-organized social media campaign must be an important part of your business' sales promotions because most people prefer a recommendation from a friendly face than a dry impersonal search result.


A well-organized social media campaign can also be a strong and effective sales tool as it allows your business to get closer to the customer, enhance your understanding towards their interests and develop lasting relationships with them.


Acquiring social media success often involves a long process, especially in small businesses, you should flourish your profiles first and develop a genuine relationship with your business' followers in order to provide value before easing into any type of sales promotions. The following are some simple tips provided by Bacall Associates in utilizing social media into your sales promotions.

Hong Kong: AEOI to Begin 2018 by Mossack Fonseca

The Hong Kong Inland Revenue (Amendment) Bill 2016 was gazetted 8 January 2016. "The Bill seeks to put in place a legal framework for Hong Kong to implement the new international standard for automatic exchange of financial account information in tax matters (AEOI) as promulgated by the Organisation for Economic Co-operation and Development (OECD)", a Government spokesman said in a press release.


Key points include:

  • Subject to the passage of local legislation, AEOI would be implemented on a reciprocal basis with appropriate partners who could meet relevant standards on protection of privacy and confidentiality of information exchanged and ensuring proper use of the data exchanged.
  • Once the AEOI agreement is in place, financial institutions have to put in place the prescribed due diligence procedures in order to identify and collect information of the relevant financial accounts in 2017.
  • The first information exchanges would take place by the end of 2018.
  • The Inland Revenue Department (IRD) will exchange information with the tax authorities of AEOI partner jurisdictions on an annualbasis.


According to the press release, Hong Kong intends to conduct AEOI only with their partners with whom they have signed comprehensive avoidance of double taxation agreements (CDTAs) or tax information exchange agreements (TIEAs), on a bilateral basis.


Dr. Howard Marans: Two decades of prime orthopedic surgical care

For many years now, people in Southern California trust and respect Dr. Howard Marans’ specialty, along with his incredible effort in providing quality orthopedic surgical care. He’s one of the most distinguished orthopedic surgeons in Orange County, and his team delivers expert medical care in a warm setting in the heart of Southern California.


Surprisingly, Sarah Hammer, a 2012 Olympic silver medalist, has been his patient. Along with Sarah, a lot of patients have made Howard their personal physician because of his safe and prompt care. He often treats conditions of the upper and lower extremities.


With his help, patients can return to their daily activities as soon as safely possible. He can discuss with the patients the nature of their injury, and impart methods on how to prevent it from happening again.


Howard also offers pain management to his patients. As we all know, pain is an unpleasant feeling or discomfort caused by injury, illness or emotional disorder. Diseases and inflammations are some of the causes of severe pain.


He’s a man of dedication. He always makes sure that he’s giving his best in giving a precise diagnosis, a comprehensive explanation of treatment options and expectations, and proper execution of the chosen treatment whether non-surgical or surgical. With this, it’s apparent that he has a busy practice for more than 20 years. His commitment to the field is beyond compare.


Howard Marans MD provides prompt care utilizing established orthopedic treatments and innovative surgical and arthroscopic procedures. You can be sure that you’ll get back to your softball league or return to play on your school team with the help of his expertise.


Importance of Orthopedic Surgeons


Most people suffer from various problems on their musculoskeletal system every year, which were rooted from an injury or a disease. This then results to a slow down and restriction of movements.

Therapy and non-invasive treatments can be done on individuals with minor disease or injury since these methods are more than enough to treat the problem of the musculoskeletal system.


In order to repair the problem of people suffering from an acute injury or fighting a serious disease, a surgery is needed. Orthopedic surgeons are responsible for manipulating the musculoskeletal system in the human body and repairing the injuries, as well as fighting the diseases that attack it.


The musculoskeletal system is composed of bones, muscles, ligaments, and other connective tissues that allow the body to move. Orthopedic surgeons dedicate their time treating this particular system of the body. Sports injuries, degenerative disease, and congenital diseases are mostly the culprits in attacking the musculoskeletal system. As mentioned earlier, these could make an individual suffer a loss of range of motion or experience limited mobility.


There’s a battlefield waiting for you if you’re an aspiring orthopedic surgeon. You’re advised to be completely prepared in order to conquer this endeavor. You must not give up despite the unimaginable difficulties because it’ll be all worth it in the end, once you’re rewarded with a degree and licensure for practicing in this highly competitive field of medicine.


The standard education system for an orthopedic surgeon includes four years of undergraduate study culminating in a bachelor’s degree, usually in biology, chemistry, or another field of science; four years of medical school training that includes two years of pre-clinical courses and an internship; and residency training.


Orthopedics has one of the longest residency training programs among other medical fields due to its intricate nature. Just imagine what Dr. Howard Marans and other orthopedic surgeons have been through. Orthopedic surgeons have to take five years residency program with one year of general surgery training followed by four years of training in orthopedic surgery. More than 600 students complete residency training programs every year in the United States.


Some orthopedic surgeons continue their training in a sub-specialty within orthopedic surgery, which includes foot and ankle surgery, hand surgery, musculoskeletal oncology, orthopedic trauma, pediatric orthopedics, shoulder and elbow surgery, spine surgery, surgical sports medicine, and total joint reconstruction (arthroplasty).


Orthopedic surgeons can specialize in various sub-specialties, but first, Howard Marans MD wants you to remember two important things:


  1. Sub-specialties normally require additional training in a fellowship program, which

 lasts 1-2 years (depending on the research requirements) after the completion of a residency.

  1. An individual who specializes in one of those sub-specialties isn’t always considered an orthopedic surgeon. For example, neurologists specialize in spine surgery, but they’re not orthopedic surgeons.


Howard agrees that orthopedic surgeons are, indeed, true warriors. The path to becoming an orthopedic surgeon has a lot of obstacles and hardships, and without serious dedication and strong will, an individual might fail to succeed in this field of medicine. Orthopedics has a long and difficult educational program, but for those who survived this battle will find themselves in a well-paid, highly competitive field with a first-class group of peers.


There are more than 20,000 practicing orthopedic surgeons and residents, according to the U.S. Department of Labor, and they represent only 3-4% of all practicing physicians. There are several factors that contribute to the salary of an orthopedic surgeon, it includes the location of his workplace, years of experience, and the size of the business, which are often similar to any career field. Each year, an orthopedic surgeon in the U.S. could earn around $440,979, which is considered as the median salary.


Howard Marans MD specializes in arthroscopic surgery, open reduction and internal fixation of fractures, sports medicine, and the treatment of arthritis. His team can take good care of you if you have any problems with your shoulder, knee, hand, wrist, elbow, or ankle. He serves more than 20 cities in the entire Southern California and Fountain Valley.


A lot of people in the region choose Howard as their personal surgeon because they strongly believe that he’s the most capable physician to perform a surgery on the injured part of their body. He’s also working very hard every day to give his patients a quality orthopedic surgical care, so all the recognitions he’s receiving right now is a strong testament that he’s doing an excellent job in orthopedics.


Howard Marans MD: 4 Questions to Ask When Choosing Between Knee Specialists

Dr. Howard Marans MD - Each year, millions of people of all ages seek medical treatment for common knee problems. The knee joint provides a wide range of motion which leaves the area vulnerable to a variety of injuries. Common knee injuries range from simple sprains to complex tears in the ligaments.


Knee Specialist


In most situations, the knee injury may be corrected with simple non-surgical treatments, including rest, pain medications, and therapeutic procedures such as physical therapy. Other complex injuries require the medical attention and expertise of knee specialists. When choosing between knee specialists, consider these four questions.


  1. What are best reviews and recommendations among the knee specialists?


Seeking out treatment for a knee injury may seem like an overwhelming task. Start by getting recommendations and referrals from a variety of sources.


  • Ask the primary care physician for a recommendation based on current medical needs.
  • Ask family members and friends who have visited an orthopedic specialist.
  • Consult the health care provider representative. If the knee specialists are not in the medical care network, the out of pocket costs may be higher.
  • Use the Internet as a resource tool by checking online reviews and customers satisfaction rankings.
  • Consult the American Medical Association and the American Academy of Orthopedic Surgeons.


  1. What are their educational and certified credentials?


Do not be afraid to ask questions concerning their professional career. In most cases, the information is located on their office website or the hospital where the knee specialists are affiliated.


  • Where did they go to school?
  • What specialized training did they receive?
  • Are they board certified?
  • Have they received further training, discovering new techniques?


Most reputable knee specialists undergo extensive training in order to pass board certification for orthopedics. As a potential patient, finding out the type of training and schooling of the orthopedic doctors will add in narrowing down the search.


  1. How long has the knee specialist been in practice?


An orthopedic knee specialist with consistent practice shows stability in the chosen medical field. When an orthopedic surgeon performs similar surgery on a consistent basis, there are fewer chances for errors and complications.


  • How long has the doctor been at the same location?
  • How many similar procedures are performed?
  • What is the doctor’s hospital afflation?
  • What is the success rate for the procedure?


  1. Does the doctor give individualized attention?


When visiting a new doctor, anxieties and nervousness are two common reactions. Orthopedic knee specialists who make each patient feel at ease and comfortable is a vital component for quality care.


  • Does the doctor listen carefully while explaining the medical condition?
  • Does the doctor answer all questions and concerns?
  • Does the doctor explain all the different options for receiving medical treatment?
  • Does the doctor give a full explanation of the desired outcome for the procedure?


Feeling comfortable with treatment and the orthopedic knee expert is a must for an optimal outcome. When a person does not feel the doctor leaves up to the desired expectations, getting a second opinion is the next crucial step.


Choosing Between Knee Specialists


Common knee pain may be more than a simple sprain or ache from athletic training. Consulting knee specialists are the best way to return to an active, healthy lifestyle. Dr. Howard Marans will work with each patient to achieve this goal. Please click below to schedule your consultation or call us at 714.979.8981.


Mossack Fonseca at UK Territories: Beneficial Owner Info to Stay Put

On 1 and 2 December 2015, the political leaders and representatives of the UK and its 14 Overseas Territories met in London to discuss financial services, international co-operation in tax matters, beneficial ownership, and other matters.


According to a communiqué released by the UK Joint Ministerial Council, all of the Overseas Territories agreed to the following:


  • A full commitment to international co-operation in tax matters, and to fight against money laundering, tax evasion, illicit finances, and corruption.
  • Adherence to bilateral and multilateral agreements, implementation of the FATF standards, and enforcing legal instruments in everyday practice.
  • A commitment to sustaining successful international finance centres.
  • Acknowledgement of the importance of bilateral engagement on matters affecting Territories’ financial services sectors.
  • Beneficial ownership information will be held in their respective jurisdictions via central registers or similarly effective systems―this is in sharp contrast to the original proposal by Britain that all such information be transmitted to a central registry located in and controlled by the UK.


They discussed the details of how the financial control and compliance systems above should be implemented, and agreed that addressing those issues would be given the highest priority and kept under continuous and close review.



What Will Surgery for a Torn MCL Cost? by Dr Howard Marans MD

Surgery For A Torn MCL


In general, a knee injury creates pain and reduces range of movement. Each knee injury is different based on the person’s health, degree of damage, and various other factors. Receiving an accurate diagnosis from an orthopedic surgeon will help determine if surgery for a torn MCL is necessary.


The out of pocket costs may be difficult to estimate. Each individual will have different aspects to consider that will affect the final payment. The amount of health insurance coverage is the major contributor in the treatment program costs.


What is a Torn MCL?


An injury due to bending or changing directions can create a rip or tear in the medial collateral ligament or MCL. The MCL is located on the inner side of the knee; connecting the thigh bone and the lower leg together. When the knee is injured, the MCL can rip or tear creating a need for treatment. Depending on the degree of injury, each treatment option will have specific costs.


Non-Surgical Treatment Methods


The less expensive and least invasive treatment for a torn MCL is the non-surgical approach. In some cases, the non-surgical methods are all that is needed to heal.


  • Protect the injured area by using a brace or other support agent to help keep the knee from moving. Continually moving the knee will create further damage and lengthen the recovery time.


  • Use a set of crutches to help keep weight off from the injured knee.


  • Apply ice to the area to help reduce any swelling and pain. Unless directed otherwise by a health care professional, the ice can be placed on the knee for a length of 15 minutes every three hours.


  • Apply compression to help reduce swelling through the use of an elastic bandage.


  • Elevation of the knee area can help reduce swelling and allow for fluid to drain properly.


  • Physical therapy or exercises may be prescribed as a way to restore strength back to the knee area.


Surgery for a Torn MCL


After receiving an accurate diagnosis, surgery for a torn MCL may be the only option. If the MCL is torn completely, surgery is the only way to repair the painful damage. The cost of surgery for a torn MCL is determined by different variables.


  • Health care coverage is the primary variable in determining costs. Deductibles and co-pays are usually the out of pocket costs for a patient with significant coverage. Each health insurance policy is different; checking with the provider will help in estimating a total. A person with no coverage can pay over $20,000 for surgery for a torn MCL.


  • Degree of injury is another factor in costs. The higher amount of damage will usually raise the amounts of co-pays, deductibles or percentage of coverage.


  • The surgeon is out of the health care network. Everyone wants the best possible care when dealing with a long lasting injury that can affect the overall stability of the knee.


Torn MCL Surgery Costs


The costs for surgery for a torn MCL may seem high. However, finding the best treatment for the injury is vital for returning to a healthy lifestyle. An experienced surgeon, Dr. Howard Marans will accept PPO and will work with other insurance develop a treatment program without creating financial hardship for the patient. Please click below to schedule your consultation or call us at 714.979.8981.