Hi Mervelee Myers Journey From the Cradle to Grave , We’re writing to let you know that over the coming weeks YouTube will be introducing handles to make it easier for members of the community to find and connect with each other. Refer to https://youtu.be/5irCkGIrCRo for more. Your handle will be unique to your channel and will be how people mention you in comments, community posts, and more. Here’s what you need to know: We’re gradually rolling out the ability to choose a handle for all channels over the coming weeks, and you will receive another email and a notification in YouTube Studio when you’re able to choose yours. In most cases, if you already have a personalized URL for your channel, we’ve reserved this for you as your handle. If you want a different handle from the one we’ve reserved, you can change it. If you don’t already have a personalized URL today, you’ll also be able to choose a handle for your channel. Starting on November 14, 2022, if you haven’t yet selected a handle for your channel, YouTube will automatically assign you a handle, which you can change in YouTube Studio if you’d like. In the meantime, learn more about handles and all the things you’ll be able to do with them:  LEARN MORE     Sincerely, The YouTube team   You received this mandatory email service announcement to update you about important changes to your YouTube channel or account. © 2022 Google LLC d/b/a YouTube, 901 Cherry Ave, San Bruno, CA 94066

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Join us as we look back at the most recent news and activity to make sure you haven’t missed anything. If you are having trouble viewing this email, click here. Hello, Mervelee MICROSOFT ADVERTISING WEBCAST SERIES Microsoft Advertising product round-up Learn about the latest feature releases and updates Join us as we look back at the most recent news and activity to make sure you haven’t missed anything. We’ll do a rundown of what’s new on the platform and show you how to use the latest offerings to connect with people at the right moments across work and life, so you can reach audiences who are ready to engage and purchase online. Refer to http://www.gov.uk/universal-credit and https://www.jobs.nhs.uk for more   We’ll cover updates about the following products and features: Audience targeting. Vertical ads. Shopping ads. Microsoft Audience Network. Multimedia Ads. Conversions. Responsive Search Ads. When October 27, 2022 | 9:00 a.m. – 10:00 a.m. (PDT)   If you can’t make the live webcast, register to watch it on demand when it’s most convenient for you. The on demand version is usually available 24 hours after the live event. Sincerely, Your Microsoft Advertising Team   Add to your calendar: Outlook iCalendar Google Calendar All Microsoft Advertising webcasts provide live captioning. Microsoft Advertising. Great relationships start here. Please do not reply to this email, which was sent from an unmonitored mailbox. Please contact Microsoft Advertising if you have any questions. Unsubscribe | Privacy Statement Microsoft Corporation One Microsoft Way Redmond, WA 98052 USA

Dear friend   I feel I can’t keep sending ‘emergency’ eshots as things are changing so fast and the consequences and implications will take some time to digest by ‘everyone and everything’. It was sad to see the Prime Minister resign today. I don’t say that in any other way than criticism at the behaviour and reactions and the immense stress she faced after being selected in fair voting only weeks ago. The degree of arrogance and disloyalty and the naïve behaviour of ‘some’ who seem to imagine that such acts will not tarnish their own futures is also unbelievable.   The markets’ excessive reaction to the ‘Mini Budget caught everyone unaware to be frank too and whilst certainly it is not just a UK thing as like concerns are global, so it is acutely unfair to place all the issues we are facing at one or two individuals’ doors here in the UK. I was thinking that when we and every other Nation had to make Pandemic-based reactions no-one was ‘worried’ about unfunded budgets seeing our National Debt double to over £2trillion and yet a mere few billions of experimental tax cuts which were likely indeed to stimulate the economy (and thus tax-raising and benefit reduction by better pay and more working) have caused such panic. Ultimately, Putin is to blame too – his actions (or our economic reactions to the war) have created the energy crisis, the rampant inflation (some would have still been there but nothing like as bad), the escalating borrowing costs for government debt as a result, the artificially high US Dollar and the volatility in global markets. The markets are surprisingly steady – probably a combination of relief and hope of future stability. Whatever happens, expect cuts in public services and spending to demonstrate appropriate aplomb and grasp on the finances. Perhaps the new government will have to have a list of tax and spending ‘aspirations’ to which we can all aim. However, can pensions, etc rise by the latest CPI 10.1%? That would be excessive and unfair on those not expecting anything like that sort of increase (or any at all) and belts must be tightened – publicly and also personally. Just because ‘you’ want to continue doing all the things you have been able to afford to do these last few years with financially comfortable times doesn’t suddenly mean you are entitled to expect an equivalent increase in your income to meet the higher costs of these discretionary things you can’t afford any more. Taking personal responsibility is one of the realities of life, I guess and that is going to be needed big-time for a while in the face of some awful global headwinds over which you or I have no control.   There have also been rumours that some ‘distressed loan funds’ are buying Gilts being dumped by Liability managers who misjudged the extent to which yields could rise in the short-term. This may not be true but the figures suggest there is some mileage in that… with hindsight we all see the spike in yields as a great buying opportunity in government-backed bonds… The 2073 Index-linked Gilt has recovered by over 70% from its September 27 low for example – how daft. One thing which has happened is that long and short dates are now closer together in expectation and that is good as it helps planning and future volatility in this asset class used to finance governments should not be so extreme and after all, recent low rates with negative returns were so artificial there was no way they would endure for ever. Many UK companies’ shares are trading at ‘distressed’ levels too and that is wrong regardless of these issues so a great buying opportunity, especially as the chances of being subjected to a bid from some US predator with dear dollars is very high indeed and that certainly isn’t reflected in prices. Conversely the US could suffer a triple whammy – a currency which has to sink back to a better reality (costing UK investors in translation terms), shares which still have excessively high price:earnings’ ratios and generally lower earnings compounded by higher corporate borrowing costing more interest.   The Currency markets still cannot make-up their minds. UK investors in global or US funds have had great protection against the falls in US shares this year as the currency gains have offset those but that will reverse at some point and dramatically – perhaps linked to a change in Ukraine as the Dollar’s safe haven status passes. Japan has seen its currency in real terms plumb levels last seen in the 1970s and sorry, rather than a basket case but it represents a fantastic buying opportunity (and cheap and great holidays!). Yes, it’s cost money these last few years but putting your Pound there should see increasing Japanese share prices and a currency which will rebound at some point. I like ‘value’ opportunities where you can gain twice. The US is a dear situation where you stand to lose twice.       Pension transfer values from final salaries   We’ve been saying it for oh so long now but have you missed the boat, if the transfer value was imperative to you and to leave a giant pot to family on your death for example? The Mail reports on an extreme case:- My pension transfer value has plunged from £740k to £340k: What’s happened, and is my early retirement dream over? Average transfer values have been seen at between 25-40^% lower than just a year ago from what we hear.   If you have deferred benefits from a salary-related scheme then time is against you if you are thinking of a transfer, if it is the right thing for you. You want to hope your actuaries and trustees are a little behind the curve and so you can grab a transfer value now to at least fix three months’ guarantee when they can’t change the figure. The case noted showed how a member of a scheme saw his transfer value fall from £740,000 to £340,000 since last year as interest rates have risen. How could this happen? Because you are not an investor in the scheme but simply a liability. If therefore the actuaries say that the known mathematical liability you represent costs less to cover, then the amount of money the scheme has to put aside for ‘you’ falls – it really is that simple. There is more to it than ‘this’ but let me try to explain. The scheme say owes you £15,000pa pension for life from retirement, with other benefits, some increases built-in etc. If the rate of return the Scheme can secure from ‘guaranteed’ investments is only 1%, then it has to demonstrate it has say £1million (your transfer value) put to one side to cover that liability (remembering that the pot shrinks as you age and then die so the liability ends). So if interest rates on those safe, long-dated government stocks go up to say 5%, than the liability pot can shrink to say £350,000 because what hasn’t changed are your final salary at the time of leaving and the length of your service. Yes, the Scheme isn’t reneging on what it has to pay you every year but it doesn’t have to keep so much money to cover its liability to you.       Responsible investing   The latest carnage on markets for bonds and shares has seen my predictions for ‘ethical’ investments come true. People flooded into all the same sort of over-priced stuff in ‘fluffy’ funds sold to them by highly rewarded marketeers and sure enough, they have been hit hard as the bubble has been bursting with the artificial ‘green’ or ‘moral’ credentials of too many of these things and which have also come tumbling-down around their ears. We’ve all realised we need our fossil fuels today and tomorrow at least, regardless of the mighty programme to change things but that will take years and we in the UK are leading the way – we have the fourth highest numbers of offshore wind turbines in the world for example. Even then, the solution is not so simple in that most renewable power sources have short lifespans before needing replacing again and all the natural resource expended in manufacturing and installing replacement kit. However, some companies’ marketing teams need to be more sensitive – such as Scottish Widows, which is pushing its approach to ‘responsible investment’. First, I have to tell it, we are responsible investors too, so they don’t have the monopoly on ‘that’ word simply because they deselect certain arbitrary investments. However, more to the point is ‘how responsible has it been to push a ‘Protected Pension Investment’ in the ‘Guaranteed Funds’ sector’ when it has lost over 40% in one year? (It still has £1billion in the pot). That is highly irresponsible and yes, that’s you, Scottish Widows – what are you going to say to all those safety-conscious investors who thought they knew what the writing on the tin meant?     Previous Editions       A thousand cuts     Read More       Turnaround     Read More       Mini Budget     Read More         Risk Warning   Stock market investments can offer income through the payment of dividends and interest and good opportunities for capital appreciation over the longer term. By this, generally we mean periods in excess of five years, preferably much longer. However, we can never promise you particular returns, especially in the short-term. At any point in time but especially in the short term, your capital could be worth less than the original amount invested as some of the selected holdings may fall in value, regardless of expectations at the time of acquisition. We may also invest in funds that hold overseas securities. The value of these investments may increase or decrease as a result of changes in currency exchange rates. Returns achieved in the past cannot be relied upon to be repeated. To remind you, why do I send out occasional emails? Because everyone can save money. We have no connection with any companies mentioned and you have to make your own contacts and satisfy your own enquiries. What is in it for us? If we can prove that we are knowledgeable and that our service and advice have good value, then you might contact us for professional financial planning and investment help. You don’t have to do that though and there’s no charge for emails. If simply they save you money, then accept them with our compliments! However, you’ll know where we are! If you have any queries of any form or indeed any subjects you think I could include, please contact me. I also refer you to our website www.miltonpj.net. We celebrated our 35th anniversary in 2020 and have been publishing a well-respected independent column in the local Paper for most of that time and free client newsletters as well. Do not forget however the usual caveats – this is not ‘advice’ and you are encouraged to seek that before embarking upon any financial route involving investments, etc.     My best wishes Philip J Milton DipFS CFPCM Chartered MCSI FPFS FCIB Chartered Wealth Manager Fellow Of The Personal Finance Society, Fellow Of The Chartered Institute Of Bankers     Choweree House 21 Boutport Street Barnstaple Devon EX31 1RP       W miltonpj.net | P (01271) 344300 | F (01271) 342810 | E info@miltonpj.net     Registered in England Number 3233275   VAT Number 682 2544 28 Authorised & Regulated by the Financial Conduct Authority     This email was sent to rattynem@btinternet.com You received this email because you are registered with Philip J Milton & Company Plc Unsubscribe here     © 2022 Philip J Milton & Company Plc

Weekly Newsletter   In this week’s issue   Fusion power   We have been trying to harness the reaction that powers the stars for decades and now private firms are promising commercial fusion within a decade. Is there any reason to believe them this time? Read more   Improve your digital diet   Just like food, online activities like gaming, social media and video calls each have unique effects on our mood, concentration and energy levels. Here’s how to optimise your time online. Read more       Like what you see? Subscribe today to gain unlimited access to all our subscriber only content.         This week’s top news stories     Danita Delimont / Alamy Stock Photo   Why have billions of snow crabs disappeared from Alaskan waters?   The state of Alaska has cancelled its snow crab harvest for the first time due to a dramatic 90 per cent decline in population. Here’s what we know about why so many crabs have disappeared. Read more     Astronomers have watched the most powerful explosion ever seen   A gamma ray burst about 2.4 billion light years away is being called “the BOAT” – the brightest of all time – and is so powerful it has even affected Earth’s atmosphere. Read more     Artificial intelligence is being asked to predict the future of AI   Artificial intelligence model predictions from historical data on how AI research would develop over five years matched reality with more than 99 per cent accuracy – soon they will be asked what comes next. Read more         Sponsored by: DOW   THE WAY WE RECYCLE PLASTIC IS ABOUT TO CHANGE       Just 14 per cent of waste plastic is recycled. The rest is incinerated or buried as landfill. That needs to change if the plastics industry is to lower its carbon footprint. Now an innovative recyling technology is set to make plastics manufacture circular. It turns waste plastic into feedstock for the virgin material making new plastic that is as good as the original.           New Scientist weekly podcast   Bird flu sweeps the UK   Wild bird populations have been devastated by an avian flu variant that’s sweeping the UK and more than 3.5 million captive birds have been culled. It’s expected to be the worst winter on record for avian flu – the team finds out why. Listen here   You can also find the podcast on the New Scientist YouTube channel.       Most popular stories   This week’s free premium article   As a registered user you have free access to this premium article. Simply log in to your account to start reading.     Karine Aigner, Wildlife Photographer of the Year   Stunning winners of Wildlife Photographer of the Year   From bees hunting for a mate to a giant sea star procreating, these incredible images are some of the winners in the prestigious wildlife photography competition. Read more     The surprising role death plays in the stability of ecosystems   Ecologists have started to recognise the competition between younger and older generations within the same species, with some startling conclusions about nature’s requirement for mortality. Read more     Tuna use sharks as back scratchers despite risk of being eaten   Large yellowfin tuna fish prefer to scrape against sharks over members of their own species, possibly to pry off parasites. Read more     The Climate Book: An essential guide to a better world   In The Climate Book, Greta Thunberg has enticed over 100 experts to write about the climate crisis. No one else could have created this incredible resource, says Rowan Hooper. Read more           Discover how hacking your metabolism can help you burn fat and prevent disease…   Explore how a portable device called Lumen promises to enable your body to burn fats more efficiently, part of a new trend for “metabolism hacking”- which may even help you run for longer, have better skin and reduce the risk of conditions like diabetes. Read more   Get access to this article and more when you subscribe with a 12-week introductory offer for just £13.75.           Update preferences  |  Help  |  Contact us   View in browser   This email has been sent to ratty.nembhard1956@gmail.com.   Unsubscribe from the Weekly newsletter   Do not reply directly to this email. If you have an enquiry, please contact us using the relevant contact details listed here.   Copyright © New Scientist Ltd Registered Office: Northcliffe House, 2 Derry Street, London, W8 5TT Registered in England. No.10644366 Australian mailing address: PO Box 2315, Strawberry Hills, NSW 2012, Australia Registered in Australia. ABN 22 621 413 170   Privacy Policy  |  Terms & Conditions

Without Prejudice Mervelee Myers Spent 8 Years Defending Myself From HMCTS CPS CJS IOPC SRA BSB CCMCC MOPAC HMPPS DBS CLCC Career Criminals Need ERT Cover LEYF Paedophile Rings 30 Years Married Brixton Registrar

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View in your browser/ Twitter/ Facebook / October – November2022 Fun times for half term Workshops, performances and holiday clubs to keep families busy and creative over the holiday. Weave your own Kente cloth Kente cloth originated in Ghana and was worn by royalty. Learn this traditional craft with your own paper version at Canada Water Library, SE16. Monday24 October,2.15pm Trydance, mini tennis, athletics, basketball and more LSBU Active are back with another holiday Sports Camp at London Southbank University, SE1.24 to 28 October,9am to 4pm Listen to stories of the Windrush Forgotten Voices is a storytelling show for families about pursuing dreams in an unfamiliar land. At Blue elephant Theatre, SE5.Thursday27 October,3pm Explore the weird and wonderful world of insects Artists, Polly and Hasan, will be leading free art workshops at Staffordshire Street Project Space, SE15.24 to 28 October. 10am and 1pm Explore nature and make beautiful artwork A series of free art workshops with different activities each day. At Dilston Gallery, Southwark Park, SE16.25 to 29 October, 10am to 3pm Story time for small engineers A brand new storytelling session for under 5s at theBrunel Museum, SE16.Friday28 October,10am Try a Shakespearianfamily workshop Step into the story ofHamlet or The Winter’s Taleas a familyat Shakespeare’sGlobe, SE1. 23 to 26 October More events for children and families Southwark Presents special offer at Peckham Levels Don’t forget your Southwark Presents card next time you visitPeckham Levels.They’re offering 25% off all food and drinkfrom their Percolate Cafe, including kids’ snack bundles. See what other local offers you can pick up with your card What else is on this month? We’ve got events and activities for all ages listed onSouthwark Presents. Here are some highlightsfor the coming month. See work from the writing stars of the future Black Writers CollectiveShowcaseatSouthwark Playhouse, SE1.Sunday23 October,7pm Celebrate Una Marson with Southwark Park Galleries Rosa-Johan Uddoh’s specially commissioned flag project,She is still alive is a tribute to this famous Southwark Resident. Unveiling in Southwark Park, SE16.Sunday 23 October,3pm A Seat at the Table – Black Representation in British Politics This two-day exhibit highlights the historical involvement of African and Caribbean communities in political and civic engagement. At231 Old Kent Road, SE1 Saturday 29 andSunday 30 October, 12pm to 4pm More Black History Month events Tell your story with Elevated Minds Shining through adversity is a drama project based on the lives of the young people. AtSouth Bank Technopark,SE1. Fridays from 21 October, 4.30pm Inspiration and advice for young Black women For Coloured Girls is an annual event with The Sapphire Community, featuring panel discussions, Q&A and food. At Peckham Levels, SE15.30 October,6pm Find more things to do, support and opportunities for young people onOnehub Southwark Visit Onehub Southwark Immerse yourself in Medi-culture From Victorian surgery demonstrations to medical stand-up, Medi-Culture Festival 2022 offers an exciting line-up of free live events20 to 26 October Explore the history and future of Peckham Placemaking/Changemaking is an evening of workshops exploringhow community members can make meaningful changes to the place where they live. At Mountview, SE15.Friday28 October,6pm More learning events Book a free walking tour of Southwark’s archaeology You’llexplore the history of the borough and handle some historic objects. Meeting at Borough Station, SE1.Saturday 19 November, 10amBook now Get to know Dr Harold Moody Author and historian Stephen Bourne presents a talk on the life of one of Peckhams most important historical figures. AtNunhead Library, SE15. Tuesday25 October,7pm Learn about the history of alternative schools in Southwark We Don’t Need No Education! is a new exhibition featuring theBermondsey Lamp Post, a free school started in the 1970s. At Southwark Heritage Centre, SE17. Until 23 December More heritage events Book your place on the World Reimagined walking tour Explore The World Reimagined Globes and join us on a Journey of Discovery through London past, present and future with Fiona Compton. Meeting at Oxo Tower, SE1Saturday 29 October,10:30am Spot the difference! Same-Same But Different byRenata Hegyi is an exhibition exploring form and colours, while reminding us to find points of the same in viewpoints of difference. At Moca London, SE15.Until12 November 2022 More art events Finishing soon… Gaia at Southwark Cathedral Don’t miss your chance to see Luke Jerram’s spectacular artwork, which will be installed in the cathedral until 30 October 2022. Find out more and book a visit. When’s your next event? TheSouthwark Presents whats on diaryis here for you to share your creative, cultural or community events.Submit the detailsand find yourself in next month’s newsletter. All events for young people will also appear on Onehub. Contact us Southwark Council Culture and Events Team PO Box 64529 London, SE1 5LX Southwark Presents and Culture /Southwark Creates /Twitter/Facebook /Email

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Let https://youtu.be/taA14IVIm9g show the #world why Mervelee Myers will do #colonization is in #reverse now Liz Truss RESIGNED!