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We understand that losing a loved one is difficult. We valued the banking relationship we shared with your loved one and for us this did not end with their passing. We offer you our support in helping to make the process of finalising our late Member's accounts and/or banking relationship with Queensland Country Bank as easy as possible.
If you've recently lost a loved one who held an account with Queensland Country, you'll need to first inform us of the person's death by phone, letter, email or coming into one of our branches. Only the executor of the estate or next of kin will be able to close the deceased's accounts.
Steps to finalising your loved one's accounts
There are a few steps which must be followed in order for us to be able to release any available credit balance held in the deceased member's account(s). To assist, we have prepared this simple guide which takes you through the process one step at a time.
Step 1: Consider obtaining professional legal advice
When you lose a loved one there are a number of tasks to be carried out by the persons responsible for administering the estate including taking control of the deceased's assets and property, paying funeral expenses, debts and taxes and organising insurances to protect the estate's assets. The difficulty of this task increases when the person administering the estate is a relative or friend of the deceased grieving the loss of their loved one.
Depending on the deceased's particular circumstances, there may be complex legal issues to be resolved before the estate can be finalised. Seeking the assistance of a solicitor may ease the burden of administering the estate while at the same time provide peace of mind.
Step 2: Obtain documentation and necessary information
To enable us to commence the process of finalising and/or updating accounts we will generally require the original or a certified copy Note 1 of the following documentation in respect to the deceased:
Will (if applicable) Note 2
We also require information concerning:
the Memberships held by the deceased member;
the administration of the deceased's estate, including contact details of persons who are able to assist us in the finalisation of the accounts:
solicitors acting for the Estate
Executor(s)
Next-of-Kin and
payment information, if we are requested to arrange for the reimbursement or payment of the funeral account from the available credit balance of the deceased member's account.
To obtain this information we ask that you complete and provide the following documentation:
Deceased Member Notification form; and
Funeral Invoice/Account (if applicable)
Where the only Membership held by the deceased is a joint Membership we will require a certified copy Note 1 of the Death Certificate to transition this Membership to an individual Membership held solely by the surviving joint holder.
Funeral expenses may be paid from available funds in the deceased's account/s upon receipt of the original funeral account or receipt. Queensland Country will make payment directly to the funeral director, or where the account has already been paid, reimburse the person who has paid the account.
Note 1: Certifying documents: Wherever we have requested documentation to be provided, we require either the original or a certified copy of the document to be produced. Certified copy means that the document has been certified as a true copy of an original document by a person authorised to certify documents (e.g. Justice of the Peace, Commissioner of Declarations, Solicitor).
Note 2: Intestacy: If the deceased did not leave a Will, the solicitor or next-of-kin acting for the Estate may be able to assist with completing the relevant forms and providing other information and documentation required.
Step 3: Identify accounts and facilities held on behalf of the deceased
Once we receive the documentation required in Step 1 we will conduct a records search to identify the accounts and non-cash payment facilities held by the deceased. This will include savings accounts, SmartBudget account, fixed term deposits, loans and other credit accounts, and superannuation benefits held in a Retirement Savings Account.
We will also be able to identify accounts in which the deceased exercised control in a capacity other than as outright owner of the account, for example, as trustee, director, partner, or joint holder.
Step 4: Cancel access methods and remove signatories
In order to protect and preserve the funds held by the deceased we will cancel access methods to the deceased's individual accounts including CU Online and Phone Service, card access and cheque book facilities. We will also freeze account balances; waive account keeping fees; and suppress interest on loans and other credit accounts and overdrawn savings accounts.
Cancelling an access method does not cancel any automatic direct debits from the account. The Executors or Administrators should contact with the organisations or merchants where the direct debits have been established to arrange for these to be cancelled.
Where we have identified that direct debits have been established to pay insurance premiums on property held by the deceased we will allow these payments to continue until we are able to take instructions from the person/s administering the Estate.
We will also remove third party signatories and other persons no longer able to act on behalf of the deceased (including Attorney(s) appointed under a Power of Attorney) from all accounts held solely by the deceased.
Where funds are held on fixed term deposit, we will continue to maintain these arrangements until we are instructed by the person(s) administering the Estate to alter these arrangements.
Step 5: Verify the identity of the Executors or Administrators
Upon receiving confirmation of Executors or Administrators acting in the administration of the deceased's Estate, we will request that they provide us with appropriate verification documentation (e.g. a driver's licence). This documentation should be provided in person at any Queensland Country branch. Where persons are not located in an area serviced by our branch network we will accept a certified copy of the verification documentation.
Step 6: Write to the executors/administrators
We will then write to the executors/administrators or the solicitors acting on behalf of the Estate and provide written confirmation of the information necessary to facilitate the finalisation of the deceased's accounts including the details of accounts held by the deceased; any additional information or documentation we require; and our requirements in respect to grant of probate or letters of administration.
We will also advise of the details of any loans and other credit facilities held by the deceased and confirm whether we hold securities in respect to these debts and any other requirements necessary to finalise these facilities.
Home loans, Personal Loans and Credit Cards
Where a debt was owed to us by the deceased jointly with another debtor(s) the surviving joint debtor(s) remain liable for the debt owed, subject to the terms of the credit contract.
A mortgage held by the deceased will continue in existence upon their passing as does the obligation to make repayments in respect to other debts owed to us by the deceased. However, we will discuss the options for finalising loans and other credit facilities and any interim measures we can put in place to facilitate this process. This may include deferring repayments for a period of time to enable the Executor(s) or Administrator(s) to make arrangements for the repayment or refinancing (if possible) of the debt.
Under Clause 26 of our Constitution, we have a contractual right to apply any credit balance held by the deceased in any savings account (including Fixed Term Deposit accounts) with Queensland Country, and the value of the deceased's Member Share, to repay any debt owed to us by the deceased. Unless prohibited by law, we will exercise our right to set-off and combine accounts. However, prior to exercising this right we will endeavour to contact the Executors or Administrators of the Estate to provide notice of our intentions. If there are insufficient funds to cover the debt owed we will include the details of the debt(s) when corresponding with the Executor or Administrators.
Given the complexities involved in attending to these matters (e.g. where the debt is secured by property and there are insufficient funds in the Estate to satisfy the debt), the Executors or Administrators may require the assistance of a solicitor. We will provide whatever assistance we can to make this process as easy as possible.
Step 7: Requests to waive Grant of Probate or Letters of Administration
We will consider requests to waive the requirement to obtain a Grant of Probate or Letters of Administration. However, this will depend on the amount of funds we are holding in respect of the deceased and the particular circumstances that exist, including whether we are able to establish the potential claimants under the Estate.
Before we are able to consider a request to waive our requirement to obtain Probate or Letters of Administration we will request a Letter of Indemnity to be completed by each Executor or Administrator and each person claiming or known to be entitled to, a distribution of the deceased's estate. We will also request other information for the purposes of establishing persons who may be beneficially entitled to a distribution of the estate including details of the deceased's spouse, former spouse, children, parents and siblings. We will verify the identity of all claimants under the Estate by collecting appropriate verification documentation from each person.
We may also require confirmation from the Executor(s) or Administrator(s) of the Estate that a "Notice to Creditors" pursuant to s 67 of the Trusts Act 1973 has been published in a newspaper circulating in the area of the deceased's last known address.
Step 8: Finalise accounts
Upon confirmation that all outstanding debts owed by the deceased have been satisfied in full and the requirements for release of the surplus funds have been met we will pay the remaining balance of the deceased's accounts by a cheque payable to the Estate or by transferring the funds into an account held in the name of the Estate.
Step 9: Open an Estate account
As part of their role in administering the estate the Executors or Administrators gather in the assets, protect them (by insurance or otherwise), pay debts and finally, distribute any surplus remaining in the estate. In order to facilitate the process the Executor(s) or Administrator(s) open an Estate account, with the Executor(s) or Administrators(s) as trustee(s) for the Estate of the deceased person. We are able to assist with opening an Estate account and facilitating the distribution of funds from that account through a range of non-cash payment facilities.
You may come across the following terms when closing your loved one's accounts and estate.
Where the deceased dies intestate (without a will); or did not appoint an executor; or the appointed executor is unwilling or able to act, persons who have a beneficial interest in the deceased estate may apply to the Supreme Court for letters of administration. By the grant the Court appoints a person, referred to as the administrator, to administer the estate.
A person who is entitled to take a benefit under a will or under the intestacy rules.
A recognised identity document that informs government agencies and financial institutions of a person's death.
Property of a deceased person and held by an appointed executor or administrator in trust pending distribution to the beneficiaries.
Estate Account
An account opened with a financial institution for the purposes of administering a deceased person's estate. The account is usually opened by the person(s) named the executor(s) in the deceased's will.
The person appointed to administer the estate of a deceased person under their will.
The formal document issued by the Supreme Court confirming its acceptance that the Will is valid and the authority of the executor nominated in the Will to act as executor and administer the estate.
When a person dies without leaving a valid will.
Letter of Indemnity
A document required to be completed by the executor(s), administrator(s) and other parties claiming an interest in the deceased estate in which the person signing the document agrees, without production of Probate or Letters of Administration, to: (1) indemnify Queensland Country Credit Union Limited against any loss, including direct and indirect damage, loss or cost it may suffer as a consequence of making payment from the deceased person's account(s) to such persons represented as being entitled to a receipt of the payment; and (2) pay all debts and other expenses of the deceased person.
A document issued by the court appointing an administrator to administer the deceased estate in circumstances where the deceased person died without a valid will; or left a will but no executor was appointed or an executor(s) was appointed and has already died or is unwilling or able to act.
A person's closest living relative either by blood or by marriage.
A document which sets out a person's wishes about how their property is to be distributed upon their death.
Any joint accounts held by the deceased with another person(s) will continue. Any surplus funds remain the property of the surviving joint account holders. Likewise, where the deceased was a joint debtor under a loan or other credit facility the remaining joint debtors continue to be liable for the debt owed subject to the particular terms and conditions of the credit contract.
Where the deceased assumed the relationship of Director and Signatory on a corporate account, we will remove the deceased from these accounts once formally notified of their death. The company may elect to appoint a new Director and Signatory on the account and we will assist with facilitating these changes. A minimum of two (2) directors and/or a director and company secretary, is generally required for corporate memberships.
If the deceased was the sole director and/or the sole shareholder of the company at the time of their death, we will advise the Executor(s) or Administrator(s) of this fact. In this circumstance they may elect to obtain independent legal advice to determine what action is required to be taken.
Once notified of the deceased's death we will remove the deceased from any formal and informal trust accounts in which the deceased assumed the relationship of trustee. We will inform the Executor(s) or Administrator(s) of the existence of these accounts to enable them to determine what action, if any, is required.
We act as agent for CGU Insurance Limited ABN 27 004 478 371 AFSL 238 291. Where the deceased held general insurance or life insurance products with CGU Insurance Limited ABN 27 004 478 371 arranged through Queensland Country please note the following contact numbers:
For information on how to make a claim and how to transfer an existing general insurance policy to the estate phone 1800 248 224.
For other queries or further information phone the CGU Customer Care Centre on 132 942.
Administrator: Where the deceased dies intestate (without a will); or did not appoint an executor; or the appointed executor is unwilling or able to act, persons who have a beneficial interest in the deceased estate may apply to the Supreme Court for letters of administration. By the grant the Court appoints a person, referred to as the administrator, to administer the estate.
Beneficiary: A person who is entitled to take a benefit under a will or under the intestacy rules.
Death Certificate: A recognised identity document that informs government agencies and financial institutions of a person's death.
Deceased estate: Property of a deceased person and held by an appointed executor or administrator in trust pending distribution to the beneficiaries.
Estate Account: An account opened with a financial institution for the purposes of administering a deceased person's estate. The account is usually opened by the person(s) named the executor(s) in the deceased's will.
Executor: The person appointed to administer the estate of a deceased person under their will.
Grant of Probate: The formal proving of a will, which indicates acceptance by the court that the will is valid and the authority of the executor nominated in the will to act as executor and administer the estate.
Intestacy: When a person dies without leaving a valid will.
Letter of Indemnity: A document required to be completed by the executor(s), administrator(s) and other parties claiming an interest in the deceased estate in which the person signing the document agrees, without production of Probate or Letters of Administration, to: (1) indemnify Queensland Country Bank Limited against any loss, including direct and indirect damage, loss or cost it may suffer as a consequence of making payment from the deceased person's account(s) to such persons represented as being entitled to a receipt of the payment; and (2) pay all debts and other expenses of the deceased person;
Letters of Administration: A document issued by the court appointing an administrator to administer the deceased estate in circumstances where the deceased person died without a valid will; or left a will but no executor was appointed or an executor(s) was appointed and has already died or is unwilling or able to act.
Next of Kin: A person's closest living relative either by blood or by marriage.
Will: A document which sets out a person's wishes about how their property is to be distributed upon their death.
To be able to close the deceased's accounts, we will need the following documentation
An original or certified copy of the death certificate
An original or certified copy of the will
If no will exists, a Letter of Administration for estates more than $15,000 (certified copy)
A Grant of Probate, where a will exists and the estate is valued at more than $15,000 (certified copy)
A Letter of Indemnity for estates less than $15,000, available from Queensland Country and completed by the executor of the estate (not required for joint accounts or if a Grant of Probate or Letter of Administration are provided)
Funeral account or receipt
Contact details of the solicitor acting for the Estate, Executor or Administrator(s) and next of kin.
We will also need to complete an ID check on the Executor or next of kin before we can proceed with closing the accounts.
Depending on the circumstances, we may need further information or documents other than those listed above. Once you have contacted us, we can let you know if anything else is required.
For more information on deceased estates, contact us on 1800 075 078.
This guide does not provide an exhaustive list of all the issues to be considered when finalising a deceased estate.
While all care was taken in the preparation of this guide, Queensland Country Bank Limited, expressly disclaims liability to any person in respect of this guide who act in reliance, in whole or in part, on the information provided in this Guide. This disclaimer does not exclude any warranties implied by law which may not be lawfully excluded.
This guide is not intended, nor should it be used as a substitute for professional legal advice.


Starting Monday I'm going to start answering the most common questions I've heard as an SEO dealing in the mobile space and posting them to a new Mobile SEO FAQ. I came up with 18 of the most common questions I've heard during the last three years of specialization and broke them out into the following categories: Basics, Opportunity, Development/Indexing and Ranking/Analytics. Beginning Monday I'll answer one of these per day for the next four weeks in an attempt to move the conversation forward on mobile search optimization. I'm listing the questions below. If you can think of others that you believe need addressed, please list them in the comments of this post. If I agree, I'll add them to the Mobile SEO FAQ.


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Join me in the cold, dark, life-sustaining NE Pacific Ocean to discover the great beauty, mystery and fragility hidden there.
WILD Calendar
Canvases / Prints
By The Marine Detective on January 22, 2019
[Note the following is aimed at those with an association with Telegraph Cove, British Columbia. There have been developments whereby I am being asked many questions and have chosen this as a way to answer and to bundle information. If you do not have an association with Telegraph Cove, this blog item may not have interest for you.]
The emotion:
Yes, I am heartbroken.
It's the heartbreak that comes when decisions made by people you care about, hurt other people you care about.
It's the hurt that comes from loving a place and the community associated with it.
It's about an ending that did not need to be.
It's about whale watching from Telegraph Cove, British Columbia.
I am sharing this information because of the number of questions I am being asked about what happened. I am being seen as a source of information because of my attachment to Telegraph Cove and my involvement with both parties – Telegraph Cove Resorts and Stubbs Island Whale Watching. I believe this necessitates my explaining my association with them.
Also, candidly, the writing of this is also likely to help me process what has happened. I have only recently learned of the developments myself.
My background in Telegraph Cove:
For almost 20 years, I have been involved with Stubbs Island Whale Watching which has operated out of Telegraph Cove since 1980. Telegraph Cove is a historic boardwalk community on NE Vancouver Island. For many years it has been owned and cared for by Telegraph Cove Resort Ltd.
It was a whale watching trip with Stubbs Island Whale Watching in 1998 that was the catalyst for my returning to British Columbia after having taught in the Netherlands. I wanted to learn from Nature and, having experienced firsthand the understanding that came from the power of seeing whales in the wild, I hoped I could apply my skills as an educator to contribute more directly to conservation.
In 1999, I began as a Naturalist with the company. I became Head Naturalist and, since 2011, I have served as an advisor to the new ownership for issues related to conservation and education. These roles were aimed at helping to make the experience of seeing marine wildlife count for the sake of conservation because . . . not all whale watching companies are created equal.
The environmental ethics and contributions of Stubbs Island Whale Watching's founders (Mackays and Borrowmans) were world renown and tied directly to whale research, and their location and use of larger boats meant that noise and fossil fuels could be better managed.
The aim was to enhance and ensure delivery of a program that could maximize meaningful messaging that might help people undertake life changes for the health of the whales (and future generations). The value of the experience, in terms of potential conservation outcomes, had to be so good that it could make the carbon and noise worth it. The aim was to continue the company's ethics of being anything BUT about "getting up close and personal". It was to try really hard to make the privileged experience of seeing whales in the wild count, tangibly.
The education delivered on the boats was a big part of this as was my hiring and training the biologists that had the depth of dedication and ethics to carry out this program. It has been such a source of joy to see how these team members have carried the experience of working from Telegraph Cove, and learning from wildlife, into their careers in conservation-related fields.
My being a co-founder of the Marine Education and Research Society is directly linked to Telegraph Cove and Stubbs Island Whale Watching. It was from their boats that we first documented the return of Humpback Whales and, since 2004, they have been our greatest data contributor as well as providing support in many other ways.
The kindness, generosity and support of Telegraph Cove Resort Ltd. has also played a major role in my life regarding diving, education and research. My boat is moored there. I dive from there. My footsteps have stomped on that boardwalk thousands and thousands of times.
Maintaining the historical flavour of Telegraph Cove is clearly a labour of love and the Whale Interpretive Centre (WIC) could not succeed without the involvement and support of Telegraph Cove Resorts. I am a past director, manager and chair of the society behind the WIC and still provide tours there when asked.
I will say it again, there are many people I really care about whose lives are connected to the beautiful place that is, Telegraph Cove.
So what has happened?
Stubbs Island Whale Watching was put up for sale by the three owners for a variety of personal reasons.
Telegraph Cove Resorts Ltd. informed Stubbs Island Whale Watching they would not be renewing their lease.
Telegraph Cove Resorts announces that another whale watching company will now be operating out of Telegraph Cove.
Stubbs Island Whale Watching makes an announcement about the repercussions. There is no more Stubbs Island Whale Watching.
The announcements:
Media release Stubbs Island Whale Watching – January 22, 2019
Stubbs Island Whale Watching is closing its doors after 38 years
BC's first whale watching company, Stubbs Island Whale Watching, is
closing its doors after 38 years in business. Renowned for its dedication
to ethical wildlife viewing, education and conservation, the company has
welcomed nearly half a million visitors to the North Island experience
since it was established in 1980.
The closure comes following an unexpected change in the company's office
space lease agreement with Telegraph Cove Resort after more than three
decades operating from that location. Our lease agreement will end on
January 31, 2019. Stubbs Island Whale Watching was put up for sale at the
end of the 2018 season, but we planned to continue operating the company
until a purchaser was found. The changes to the lease agreement came as a
surprise.
Guests from all over the world come to experience whales in the wild and
the company's ethical whale viewing practices have been part of what made
us so renowned. Stubbs Island Whale Watching is informing reservations
holders of the change and attempting to shift reservations to Discovery
Marine Safaris in Campbell River, a smaller company owned by one of the
three owners of Stubbs Island Whale Watching.
For information call: 1-250-928-3185.
Thank you for your years of support.
The owners of Stubbs Island Charters Ltd. Heike Wieske, Geord Dunstan, Roger McDonell"
Telegraph Cove Resort – January 22, 2019
The following is from the January 22nd article in the Campbell River Mirror with quotes from Telegraph Cove Resort.
"Stubbs Island's announcement today was quickly followed by an announcement by Telegraph Cove Resort that it was teaming up with Victoria-based Prince of Whales Whale & Marine Wildlife Adventures "to enhance marine wildlife habitat and research while providing greater opportunities for outstanding eco-tourism."
Resort owners Gordie and Marilyn Graham said they are pleased to welcome one of the province's "largest and most-respected whale watching and eco-adventure companies" to their recreational seaside haven. The release made no mention of their relationship with Stubbs Island.
"I've always been impressed by the Prince of Whales' work in marine conservation and academic research," Gordie said. "Their principled approach dovetails perfectly with our continuing efforts to protect marine wildlife while delighting and educating visitors with awe-inspiring experiences in nature.
The Grahams established a campground and marina at Telegraph Cove in 1979, drawing enthusiasts to the great recreational ocean fishing. Over 40 years, their work restoring original buildings for tourist accommodation has brought life back to the former sawmill town. Today, the resort, which can accommodate up to 500 guests, also includes a restaurant and pub, general store, small hotel and Telegraph Cove's Whale Interpretative Centre.
One of the last boardwalk settlements left on Vancouver Island, Telegraph Cove attracts thousands of whale watchers, fishermen, boaters, campers and kayakers every year.
As well as building a tourist mecca, 210 km northwest of Campbell River, the Grahams have invested in marine life protection and education, donating more than $150,000 to salmon enhancement projects.
Meanwhile, Stubbs Island Whale Watching is informing reservations holders of the change and attempting to shift reservations to Discovery Marine Safaris in Campbell River, a smaller company owned by one of the three owners of Stubbs Island Whale Watching. Guests looking for information can call: 1-250-928-3185
Stubbs Island Charters Ltd. started whale watching in 1980 out of Telegraph Cove and has worked to establish a reputation as a company that puts the wildlife first. The company supported research and education efforts, providing meaningful education to guests, modeling best practices, and sharing expertise to help build a community now known as the North Island Marine Mammal Stewardship Association. For the past six years it has received a "Certificate of Excellence" from Trip Advisor for its many five-star reviews."
There you have it.
Any further factual developments will be added to the content here.
My deep empathy to those for whom this news is difficult too.
Onward, facing reality and being guided by what is best for the whales and what they reveal of human value systems and the state of the environment . . . upon which our lives depend.
Telegraph Cove in 2008. ©Jackie Hildering.
"Whale Watching – Not "Up-Close-and-Personal!" How to make a good choice?"
"Not a show. Not a breach. Not a surprise."
Categories: MARINE MEGAFAUNA, Whale Watching Guidelines
Tags: reflections, whale watching
Cetaceans – Male or Female? How to Know?
The Woman Behind the Words . . .
18 Responses to "Heartbreak"
OMG. Stunned and saddened. Thank you for sharing the details. I am also heartbroken for you and all involved.
Raiza Ruiz-Kline January 22, 2019
My relationship with Stubbs Island Whale Watching began in 2001 at the ripe old age of four. It was that summer that I first met Jackie in her capacity as a naturalist for SIWW and I can very comfortably say I developed all the passions and values that have shaped my professional, academic, and personal values that I strive to follow today.
These people, and this place, have always literally and figuratively been my port in the storm. It is here that my parents took me after we went to SeaWorld in my toddler years and I said, "Dad, no, I want to see killer whales where they really live." This is the place and these are the people who connected me first to our ocean planet, who taught me the minutiae of nicks and scars in dorsal fins and flukes, who took me in two weeks after I graduated from high school to learn the ins and outs of communicating the beauty and significance of the ocean and its inhabitants, who set me on the whirlwind, kelp-scented path I still travel. The Canadian flag that flew off Lukwa's stern that summer still hangs in my room.
I bid farewell to Stubbs Island Whale Watching with an unmatched depth of gratitude to everyone there because everyone there taught me something invaluable about what it means to make it count in the one wild, fleeting life we are gifted as bipedal terrestrial mammals inhabiting an ocean world.
Terry Trapnell January 22, 2019
Thank you for the information , puzzling.
Potatoes of Defiance January 22, 2019
As someone who's had a lengthy association with both Telegraph Cove and Stubbs, this announcement raises a lot of troubling questions. I will be very interested in additional information as it becomes available.
Kesh January 22, 2019
This is only my 2nd blog rcv via email, so not having followed it for long I'm sure I don't get the depth of your heartbreak & the impact of this development. But it sounds like Stubbs Whale Watching was not treated properly & business again overruled sensibity & the heart. We can only hope that the resort maintains the high ethical practices that Stubbs did. May your future continue to serve our oceans, our freedoms & the our marine brothers & sisters. Our world needs so much healing.
Thank you, dear Marine detective, for all you & your good comrads do.
P.s.: I love your green tutu! Brilliant!
Pps: What ever concluded on the fate of Faith & Ruffles of L pod?
Anonymous January 22, 2019
Gob-smacked Jackie. Hugs. I love that place and all that it entails. Doesn't sound right😔
Robbie Boyes January 22, 2019
Sad to hear of this conflict in what has been a pleasure to watch as the Borrowmans and the McKays built up a successful and responsible business and kept locals employed and probably some spin off results. I used to buy lumber from Fred Wastell's sawmill and always loved a trip to Telegraph Cove. I can only hope that differences can be resolved.
Sea4otter January 22, 2019
This is not right!! I am choked up. The relationship you, and Stubbs have had with 18 years of Comox Valley students has been exceptional and has changed lives. The changes in how the public views marine mammal watching, use of the waters of the North Island, and so much more have all come about by people being touched by this group . No one can do better. Thank you. This will need some processing….
Professional Writer January 22, 2019
Concerned for you about this……
Alicia January 22, 2019
Thanks for sharing the facts, as always, Jackie.
I am heartbroken to know that Stubbs will no longer be operating from Telegraph Cove. All of the research and combined energies working together will surely now not benefit the whales as they have in the past- I can only hope that those who have dedicated their lives to the work will continue in their own way, somehow. I am sad for myself too. Many amazing life memories occurred as part of our annual trip to Telegraph Cove and Stubbs including getting engaged on the bow of the Lukwa. Please pass along our love and strength to those who need it most there as I know that many will be affected by these changes to come. Thanks for your continued dedication to the facts and education. Much love.
Marlene Smith January 22, 2019
This is a heartbreaking and gut wrenching story! I know how hard it is to run a business nowadays and I know how hard Stubbs Island owner(s) have worked! It feels like an evil black cloud is now hanging over Telegraph Cove. It will be a while before I step foot on that board walk again! It is a sad and dark Karma casted over this area and the whale watching business. Thank you for sharing this information!
Laura January 22, 2019
All about the $$$. The centre of so much that is wrong with this world.
Maggie Mani January 23, 2019
I am in shock & total disbelief that this has happened!
Thanks for sharing your own story with me.
Bonnie Gretz January 23, 2019
I am so sorry to hear this. As a naturalist myself, I was very impressed by how caring and professional and well-informed the captain and crew were when I went out with Stubbs twice in September 2018. I was looking forward to going again on another trip to Canada. I hope Stubbs' high standards are applied to Prince of Whales' boats, and that there are not an excessive amount of boats. One of the lovely parts of whale watching from Telegraph Cove/Pt. McNeil was that there have been far fewer boats than here in Puget Sound. Please convey my best wishes to all the Stubbs personnel, and huge thanks for all the amazing work they've done over so many years.
Cheryl January 24, 2019
This is terribly disappointing. Casts a dark suspicion for sure. Actually I'm disgusted and angry, and will watch for good news, something along the lines of people working together, because we're all in this together. Anything else is intolerable.
Grancy Bain January 24, 2019
I had just seen Jackies disturbing news when I went to a ladies luncheon, was introduced to a new member and I mentioned having come from Port McNeill. She said "We love Port McNeill because our boat always breaks down there. and we particularly love Stubbs Island and all they do." When I told her the news she burst into tears in the middle of lunch in Victoria. The ripples go far.
Sarah January 28, 2019
I had to pull over on my way to school the other day listening to the interview on CBC. Many fond memories of Stubbs, Jim and Bill to our family and our time on the North Island. Last night, as I wrote email after email regarding the lack of preservation of a land trust in Comox, I am reminded that little is held sacred these days. We can do better, we HAVE to do better.
Thanks for you Jackie, always.
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MARINE INVERTEBRATES (81)
Anemones (5)
Barnacles (3)
Bivalves (1)
Bryozoans (1)
Chitons (1)
Hermit Crabs (1)
Hydroids (1)
Jellies (7)
Marine snails (7)
Marine worms (4)
Sea cucumbers (2)
Sea Pens and Sea Quills (1)
Sea Slugs / Nudibranchs (19)
opalescent nudibranch (1)
Sea Stars (7)
Sea Star Wasting Disease (2)
Shrimp and prawns (1)
Tunicates (4)
Urchins (1)
MARINE MEGAFAUNA (90)
Cetacean anatomy (1)
Dall's Porpoise (2)
fin whale (1)
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Humpback Whale (22)
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The Marine Detective

redpajama_set_name: RedPajamaCommonCrawl


As a financial planner, I give specific advice on people's personal finances, including estate planning. But as I'm not an attorney I can't go too deep without getting out of my depth - that's why I surround myself with attorneys who can speak freely about these matters. The following is a guest post from Michael Brennan, an attorney based in Grayslake, IL.
Chances are at some point or another you've thought about the topic of estate planning. Whether it was talking about writing a will or how to plan for retirement, it's a common discussion for most adults to find themselves in at some point.
Whether you are married, in a committed relationship or happily single, these are the essential estate plan documents you should have.
A power of attorney is a document in which one individual (the "principal") grants another individual (the "agent") the authority to act on his or behalf, often according to a specific list of directions.
When it comes to medical decisions, a durable power of attorney, permits the agent to make medical decisions relating to treatment on behalf of the principal and, properly drafted, it allows the agent access to the principal's important medical records which may be necessary to consider when determining a course of treatment.
Without a valid durable power of attorney for healthcare in place, medical personnel have no obligation to follow anyone's wishes regarding treatment or consent except for the patient's. For married couples, this may not be as much of an issue as it is for other people, but it's still important to cover your bases.
By executing a valid power of attorney, an individual can appoint a trusted person—whether a friend or family member—to make heath related decisions if they themselves are unable to do so. The power of attorney ensures that your chosen agent will be able to take any action which you would be permitted to take on own behalf. Many states offer statutory forms that can be used if you know what you're doing, or an attorney can draft one up very quickly with a few pieces of information.
With a valid durable power of attorney for finances and property an agent should be able to access the principal's bank accounts and financial records, pay rent, utilities and credit card bills, manage investments and loans and so on. Without one, financial institutions like banks, utility providers or even landlords typically will not permit an individual that is not named on an account to access its funds or information. Of course, in the context of marriage, this is not as much of an issue as it sometimes is for single individuals. Nevertheless, it's good to make one part of your plan to avoid any surprises down the road.
If you want to direct where your possessions will go if you die, then it's important to have a last will and testament, or a will for short.
If a person dies without a will, state law determines how the assets will be distributed. That will mean less money and more stress for the heirs—an unpleasant prospect for family members already dealing with the tragic death of a young person.
In addition, married couples enjoy a number of benefits when it comes to passing property upon death. While others need to consider the tax implications of leaving amounts over a certain threshold, spouses can leave unlimited assets to each other in a will. That means that upon the first death, substantial gifts left to an inheriting spouse will not be subject to hefty taxes. However, it's important to involve an attorney here, as the death of the second spouse may bring with it a number of unwanted tax consequences. Strategic drafting of a comprehensive estate plan can fully utilize these benefits while also eliminating any unwanted consequences.
If you are married and do not have any children, then 9 times out of 10 your estate will go 100% to your spouse. If you or your spouse instead want to leave certain property or a little bit of money to other loved ones, then you'll need a will to override the default intestacy laws. Unmarried individuals are always advised to have a will as state laws otherwise dictate where your property goes upon your death. This may not be to whom you would want to gift it.
A living will is a legal document used to indicate which treatments you do or do not want applied to you in the event you either suffer from a terminal illness or are in a permanent vegetative state.
For example, you may indicate whether the use of feeding tubes or other life-prolonging equipment should be continued, or whether, at a certain point should be discontinued if there is no chance of recovery.
A living will does not become effective unless you are incapacitated; until then you'll be able to say what treatments you do or don't want. Without a valid living will, doctors may or may not rely solely on the wishes of your spouse when determining what course of treatment to pursue.
Drafting a living will is important so that nasty disagreements amongst family members don't occur if something happens to you.
A living trust, which may also just be referred to generally as a revocable trust by your attorney is a tool which can be used by practically anyone to create efficiency and additional protection in an estate plan. A Revocable Living Trust, in its simplest sense, is an entity created by an individual (or multiple individuals) during his or her lifetime to hold assets which will be managed by a trustee according to a specific set of rules, directions and terms. As the name suggests, a revocable living trust is revocable or amendable by the grantor (the individual that creates the trust) during his or her lifetime.
When a revocable living trust is incorporated into an estate plan, it typically serves as the main vehicle through which assets are transferred upon death. For example, if a husband and wife transfer their home, investments, bank accounts and other property into the trust while they are living, upon the death of the first spouse, everything will automatically flow to the surviving spouse through the trust. Upon the death of the second spouse, the trust will instruct a successor trustee how all of the assets should be distributed and to whom they should be distributed. There are a number of benefits of using a revocable living trust, including the minimization of necessary probate procedures, asset management in the event of a disability, confidentiality, continuity of management after death and coordinated management with a spouse's property.
There are a number of things that a will won't pass along to beneficiaries, including retirement accounts, insurance policies and other financial instruments that are governed by separate contracts between you and the provider.
In order to ensure that these items go to the correct individuals when you die, it's important to name those individuals as the beneficiaries of any applicable policies or accounts.
Married couples also enjoy some additional benefits when it comes to planning for the disposition of retirement accounts, if done correctly. For example, a spouse inheriting an IRA will be able to roll the finds over to his or her IRA if appropriate steps are taken which will permit the surviving spouse to space out distributions over a longer period of time.
If changes are necessary you should make sure to file a new beneficiary designation form with the company.
Michael F. Brennan is an attorney at the Virtual Attorney™ a virtual law office helping clients in Illinois, Wisconsin, and Minnesota with estate planning and small business legal needs. He can be reached at michael.brennan@mfblegal.com with questions or comments, or check out his website at www.thevirtualattorney.com.
The information contained herein is intended for informational purposes only and is not legal advice, nor is it intended to create an attorney-client relationship. For specific legal advice regarding a specific legal issue please contact me or another attorney for assistance.


7 March 2014 by Liberty Living Team.
Say hello to Timothy, Felicity, Kevin and Fenton, the newest members of Liberty Quay in Newcastle. Our student residence team found these lovely 4 cold-water fish swimming in the shower during a flat maintenance inspection. For lots of obvious reasons, our students aren't allowed to keep pets in their rooms, which might be why they did not keep them in a fish tank in the first place.
Soft hearted souls that they are, this wonderful student residence team could not bring themselves to dispose of the fish, so they decided to brighten up reception with a cold water fish tank for these little fellas. We have kept the names that the students christened them with and they appear to be very happy now. You will be pleased to know that the students who managed them still have visiting rights and help us feed them.
Over the past 10 years Liberty Living have carried out over 200,000 maintenance inspections in 17 UK cities and this is the first time we have found cold-water fish in a shower. What next – a snake in the toilet?!
Posted on 10th March 2014 by the Liberty Living Team.


Kidney stones are minerals or salts that form within a kidney, these may pass down the urinary tract, and when this happens, the person suffers from pain or other symptoms that include blood in the urine, groin, flank, pain in the abdomen.
The kidneys regulate body fluids, it regulates minerals and salts and whenever the balance of these items changes then kidney stones are formed.
There are specific factors which enhance the chances of occurrence of kidney stones, and they include dehydration, genetics, family history as well as genetics.
Kidney stones are diagnosed by excluding other causes of abdominal pain, and they are diagnosed with different related reasons.
Before treating kidney stones, it is essential to understand the symptoms of the problem. The occurrence of kidney stones is characterized by severe pain that may provoke you to take kidney stone pain relief tablets.
The pain associated with kidney stones is severe but usually intermittent, and it is localized in the back, in the lower abdomen or groin.
Kidney stones are common issues that may affect an individual any time. However, it has been observed that obese persons are more prone to the problem and this problem is seen in people who consume soft drinks.
Other risk factors include heredity issues, history of kidney disease, diet issues. After analyzing the symptoms of the disease, diagnosis is essential.
How to Pass Kidney Stones Fast at Home?
The kidney is the essential organ of humans which help to filter out the waste from the human body. Which get out from the body by the product of this waste that is Urine.
At some point, stone develops in the kidney because of a testimony of minerals in our pee, which stick together in the kidney and make the stone.
Many people are interested in kidney stone treatment without surgery. So in order to prevent the use of medicines and surgeries you need to follow some home treatments for kidney stones.
One of the easiest kidney stone passing tip is to drink more and more water. Increase your intake water quantity and speed up the process of drinking water. Drink 12 to 15 glasses of water per day instead of 8 or whatever is in your regular habit. This is the best kidney stone treatment at home that you can follow easily.
Once the stone is passed from your kidney then you can get back to your regular habit of drinking water that is 8 to 12 glasses of water.
Also pay attention to the color of your urine in this time, consult to the doctor if it is of dark yellow color, this is the color of dehydration and no need to worry if has light pale yellow color.
It might sound awful to you but it is one the most popular home remedy to dissolve kidney stone. Mixing a concoction of lemon juice and olive oil gives success in dissolving kidney.
Lemon contains citrate which works as a chemical in preventing the calcium stone from forming also breaks the small stone and help in passing from the kidney of the human body and Olive oil does the lubrication to pass the stone more easily.
Mix five ounces of olive oil with five ounces of lemon juice and blend it properly and drink straight.
Always drink a glass of water after drinking this mixture of lemon juice and olive oil.
Follow this procedure two times a day, once in morning and evening or the time suitable but make sure to make proper time gap in both. Drink plenty of water if possible with the lemon juice.
Continue this process several days until the stone passes.
Apple cider vinegar is rich in acetic acid which plays a role in dissolving kidney stone and helps in passing it easily. The taste of this acid makes your mouth pucker.
The alkalizing quality of this Apple cider vinegar helps in the prevention of kidney stones which effect in blood and urine.
Take 2 tablespoons of Apple cider vinegar with 6 to 8 ounces of purified water and mix it well. Then drink this mixture throughout the day.
Do not consume more than 8-ounce glass of this mixture in a day. You can also consume this by pouring it on your salad or drink straight in little-little amount.
Consuming this mixture in larger amount can lead to low levels of potassium and osteoporosis.
If you are a diabetes patient then you should exercise caution if you are drinking this mixture. Check your sugar level regularly or consult to doctor first before consuming.
Once the kidney stone is passed, then you can continue drinking this mixture 2 or 3 times in a week.
Don't drink this mixture if you are taking insulin, digoxin (Digox), diuretics, such as spironolactone (Aldactone).
It can erode Esophagus tissue also destroy the tooth enamel and may be dangerous if you are blood pressure or diabetic patient.
Basil also contains acetic acid which separates the kidney stones and diminishes pain. It has all the necessary nutrients with supplements.
Many people utilized this cure for stomach related and inflammatory disarranges. The cell, antioxidants and anti-inflammatory agent's operators in basil juice are useful in keeping up kidney wellbeing.
Use fresh and dried basil leaves to make tea and consume several cups in a day.
You can also make juice of basil leaves in the juicer to make it smoother.
Do not use this treatment more than 6 months; it can cause several side effects like low blood sugar, low blood pressure, and increase bleeding.
Celery juice clears away the Toxins which help to build the kidney stone formation. This juice is used as a long way in traditional medication. It helps in flushing the stone from the body.
Blend one or more celery stalk with water to make a mixture and drink that in a whole day. There are also some precautions to follow if you consume this remedy.
Do not drink this juice if you are suffering from any bleeding disorder, low blood pressure or a surgery.
Pomegranate juice improves the kidney function also is good for the health of kidney and is used from over centuries. It helps in flushing out the stone and other toxins.
The antioxidants present in Pomegranate juice makes the kidney healthier and also plays a good role in preventing the kidney stones from developing.
It also controls the urine's acidity level and lowers the acidity levels which reduce the risk of developing kidney stones for future.
There is no limit to take pomegranate juice. It is good for health too. You can drink throughout the day.
Kidney bean broth helps in improving the urinary and kidney health. It dissolves and flushes out the stone from the kidney.
Simple cook the Kidney bean broth and strain the water from it and consume few glasses of water in a day.
Dandelion contains the vitamins (A, B, C, and D) and minerals such as potassium, iron, and zinc etc. It is a kidney tonic which stimulates the production of bile. This will be not available in your kitchen you need to buy it from the local health store or online.
Make a fresh Dandelion juice or it is also available in form to make tea of it. Drink 3 to 4 cups daily else you can also add orange peel, ginger, and apple to taste.
You can experience heartburn while consuming the Dandelion or its parts.
Wheatgrass juice contains many nutrients in it and good for health too. It increases urine flow which helps in passing the stones. It also contains some vital nutrients that help to clean the kidneys.
Drink 2 to 8 ounces of wheatgrass juice in a day. It may cause some effect to prevent from it start from the small quantity and then increase up gradually.
It is also available in powdered form if you do get the fresh wheatgrass then you can buy it in powder form from the store.
Do not drink in an empty stomach, it may cause appetite loss and constipation also reduces risk for nausea.
When it comes to get relief from the pain associated with kidney stones or eliminate the problem, it is observed that chance pier kidney stones are useful. The kidney stone pain relief tablets are also helpful in getting relief from the pain associated with kidney stones.
Kidneys are vital organs of the human body, and any issues related to the agency should be treated with care. If you find that the different home remedies of addressing kidney associated problems are ineffective then consult the doctor immediately, take appropriate medications to cure the problem.
Kidney stones are common issues, and many people around the world suffer from this condition. In many instances, it is seen that the problem is heredity.
Adequate consumption of water and other fluids help to get relief from the situation. Also, it is imperative for the patients suffering from the problem to get the necessary medical treatment in time.


text:
<?php

namespace Codeception\Module;

use Codeception\Module as CodeceptionModule;
use Codeception\Lib\Framework;
use Codeception\Exception\ModuleConfigException;
use Codeception\Exception\ModuleRequireException;
use Codeception\TestCase;

/**
 * Module for testing XMLRPC WebService.
 *
 * This module can be used either with frameworks or PHPBrowser.
 * It tries to guess the framework is is attached to.
 *
 * Whether framework is used it operates via standard framework modules.
 * Otherwise sends raw HTTP requests to url via PHPBrowser.
 *
 * ## Requirements
 *
 * * Module requires installed php_xmlrpc extension
 *
 * ## Status
 *
 * * Maintainer: **tiger-seo**
 * * Stability: **beta**
 * * Contact: tiger.seo@gmail.com
 *
 * ## Configuration
 *
 * * url *optional* - the url of api
 *
 * ## Public Properties
 *
 * * headers - array of headers going to be sent.
 * * params - array of sent data
 * * response - last response (string)
 *
 * @since 1.1.5
 * @author tiger.seo@gmail.com
 */
class XMLRPC extends CodeceptionModule
{
    protected $config = ['url' => ""];

    /**
     * @var \Symfony\Component\BrowserKit\Client
     */
    public $client = null;
    public $is_functional = false;

    public $headers = [];
    public $params = [];
    public $response = "";

    public function _initialize()
    {
        if (!function_exists('xmlrpc_encode_request')) {
            throw new ModuleRequireException(__CLASS__, "XMLRPC module requires installed php_xmlrpc extension");
        }
        parent::_initialize();
    }

    public function _before(TestCase $test)
    {
        if (!$this->client) {
            if (!strpos($this->config['url'], '://')) {
                // not valid url
                foreach ($this->getModules() as $module) {
                    if ($module instanceof Framework) {
                        $this->client = $module->client;
                        $this->is_functional = true;
                        break;
                    }
                }
            } else {
                if (!$this->hasModule('PhpBrowser')) {
                    throw new ModuleConfigException(
                        __CLASS__,
                        "For XMLRPC testing via HTTP please enable PhpBrowser module"
                    );
                }
                $this->client = $this->getModule('PhpBrowser')->client;
            }
            if (!$this->client) {
                throw new ModuleConfigException(
                    __CLASS__,
                    "Client for XMLRPC requests not initialized.\n"
                    . "Provide either PhpBrowser module, or a framework module which shares FrameworkInterface"
                );
            }
        }

        $this->headers = [];
        $this->params = [];
        $this->response = '';

        $this->client->setServerParameters([]);
    }

    /**
     * Sets HTTP header
     *
     * @param string $name
     * @param string $value
     */
    public function haveHttpHeader($name, $value)
    {
        $this->headers[$name] = $value;
    }

    /**
     * Checks response code.
     *
     * @param $num
     */
    public function seeResponseCodeIs($num)
    {
        \PHPUnit_Framework_Assert::assertEquals($num, $this->client->getInternalResponse()->getStatus());
    }

    /**
     * Checks weather last response was valid XMLRPC.
     * This is done with xmlrpc_decode function.
     *
     */
    public function seeResponseIsXMLRPC()
    {
        $result = xmlrpc_decode($this->response);
        \PHPUnit_Framework_Assert::assertNotNull($result, 'Invalid response document returned from XmlRpc server');
    }

    /**
     * Sends a XMLRPC method call to remote XMLRPC-server.
     *
     * @param string $methodName
     * @param array $parameters
     */
    public function sendXMLRPCMethodCall($methodName, $parameters = [])
    {
        if (!array_key_exists('Content-Type', $this->headers)) {
            $this->headers['Content-Type'] = 'text/xml';
        }

        foreach ($this->headers as $header => $val) {
            $this->client->setServerParameter("HTTP_$header", $val);
        }

        $url = $this->config['url'];

        if (is_array($parameters)) {
            $parameters = $this->scalarizeArray($parameters);
        }

        $requestBody = xmlrpc_encode_request($methodName, array_values($parameters));

        $this->debugSection('Request', $url . PHP_EOL . $requestBody);
        $this->client->request('POST', $url, [], [], [], $requestBody);

        $this->response = $this->client->getInternalResponse()->getContent();
        $this->debugSection('Response', $this->response);
    }
}

redpajama_set_name: RedPajamaGithub


text:
Q: Possible to copy Windows 7 local user profile link with junction point to new Windows 7 machine? I am using Windows 7 in my old machine.  All my I user profiles store in another HDD and I use mklink/j to create a junction point to c:\users.
I bought a new machine with better performance and trying to "clone" everything from old machine to new machine.
I use clonezilla to image old machine's OS partition.  I then apply the image to new machine by using sysprep, bootrect and I able to boot up Windows 7 on new machine.  All programs and settings are there in new machine.
Next, I try to migrate the user profiles in separate HDD of old machine.  The new machine can't recognize the user profiles from old machines after I use the same method to create junction point as old machine.  When logon, I encounter "group policy client service failed to logon".
I attempt the "Windows Easy Transfer" from old machine but "Windows Easy Transfer" can't recognize the files from junction user profile".
The user profiles contains settings stores in registry and I don't want to lose it.
How may I migrate the user profile stored in junction point to new machine?

A: Part of me thinks the sysprep was unnecessary and is the cause of this problem.  I haven't tested it, but I'm pretty sure that trying to reconnect the old user profile is going to cause problems.
For Windows easy transfer to work, you need to either use it before hand, or use it with the old image.  Just pointing it to the user folder isn't enough information.

redpajama_set_name: RedPajamaStackExchange


text:
Q: css menu code content inside a div hello so i'm trying to make a menu with css but when i try to click on an element from the menu it opens it in a new tab while i want it inside a div in the same page i'm new in css and thats my homework can you help me please and thanks
this is the code

<?php include('admin/Menu/menu.php');?>

  i want the content here

this is the menu code

            Catalogue

Produits

Catégories

Marque

Fournisseur

            Commandes

Commandes

Messages prédifinis

            Clients

Clients

Pays

Groupes

Titre de civilité

            Paramètres avancés

Emails

Images

            Administration

Employés

Profils

Permission

            Stats

Stats

A: What you could do is either something like this:
 button
 button2

This is just some basic content

This is also just some basic content

This is the closest you can get using css, but you might be able to do this a little better by using jQuery:

button
button2

Whatever you do, you dó have to make sure you start using id tags, otherwise it just acts as a link, you can easily replace the href='#' with id='something', and then write some css or javascript which opens your content inside the div you'd like it in.


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When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.