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Rabobank: Like Riding A Bicycle
NEWSBy admin June 21, 2022 Leave a comment
Rabobank: Like Riding A Bicycle By Michael Every of Rabobank "Like riding a bicycle" is an idiom that says once we learn to do tricky things we never forget. However, all around us important people are forgetting how to ride their bicycles. US President Biden is one, but there are so many others it's hard…
The Ripples of Government Intervention
In one of his early works, Ludwig von Mises argued that mixed economies, those that can neither bear the labels of laissez-faire capitalism or socialism, were inherently unstable. His claim was that once a government intervention began, it foiled economic calculation in ways that altered behavior. Once unforeseen consequences of the intervention start revealing themselves,…
Putin's Ukraine Body Count: 34,100 Dead, Nearly 1,500 Tanks Destroyed
NEWSBy admin June 21, 2022
Ukraine War Update: On day 118 of the Russian invasion of Ukraine, the Russian military is still going after the breakthrough that it has been trying to achieve in the Donbas since it launched a renewed offensive in eastern Ukraine more than a month ago. The situation in the Donbas Most of Severodonetsk is in…
Tucker Carlson Perfectly Frames the J16 Insurrection
While Democrats and most in corporate media are fixated on January 6, 2021, in an effort to get the rest of us fixated on it as well, one corporate media personality went in a different direction Monday. Fox News host Tucker Carlson wasn't talking about J6. He talked about J16. On June 16, 2022, an…
Why NATO Fears Russia's Iskander Missile
The Iskander missile platform has been discussed in western military press circles for years now. But just how lethal is this missile? Here, we try to provide some clear answers: Russia's 9K720 Iskander missile system is the most well-known system responsible for delivering Russia's formidable ballistic missile arsenal. Otherwise known by its NATO identification SS-26 "Stone", the Iskander is Russia's most modern ballistic…
Nonprofit alerts 63 Penn. counties of questionable voter rolls
"While most responses were good and helpful, a few were hostile and combative," group says.
Buyer remorse growing in Democrat ranks
The following article, Buyer remorse growing in Democrat ranks, was first published on BizPac Review. Op-ed views and opinions expressed are solely those of the author. Last week, I lunched with a longtime friend, in a popular Orange County, Florida restaurant. He […] Continue reading Buyer remorse growing in Democrat ranks …
'YASCAR': NASCAR Once Again Panders to LGBT Community
The post 'YASCAR': NASCAR Once Again Panders to LGBT Community appeared first on 🔔 The Liberty Daily.
PROPAGANDA WARS: The Raging Battle Over the ChristianMind
The post PROPAGANDA WARS: The Raging Battle Over the ChristianMind appeared first on 🔔 The Liberty Daily.
Federal Reserve Details 'Digital Dollar' Plans
Last Updated on June 20, 2022 The Federal Reserve (FED) is rolling out plans to develop a "Digital Dollar", according to FED President Jerome Powell. According to a report in Reuters, there had been speculation that such a thing would develop in response to the popularity in cryptocurrencies and the decreasing value of the US…
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At this, the master completed his words of wisdom and became engrossed in his dhikr with the people and the one in need of his prayers having left–all praises to God for that (lesson).
The meaning of "Umrah" is "to visit." The accomplishment of Umrah at least once in a lifetime is Sunnat-e-Mu'akkadah. The Umrah performed during the auspicious month of Ramadaan supercedes that Umrah completed in other days. Bukhari Shareef states that Umrah in Ramadaan is equal to Hajj.
Shaving or trimming the hair of the head.
N.B. The rest are either Sunnat or Adaab.


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Learn About Demutualization+
What is demutualization?
What is the process for demutualizing?
Where is Economical in the process?
Why are you demutualizing?
Policyholder Resources +
The third special meeting
Conversion Plan
In the News+
Economical Logo
Learn About Demutualization
Policyholder Resources
Demutualization is when a mutual company - like Economical - converts to a share company.
Right now, Economical is a mutual company. Unlike most companies which are share companies, mutual companies do not have shareholders who own shares of the company. Demutualization is the process where a mutual company converts into a company with shareholders. We will continue to provide home and auto insurance for personal and business needs, but after demutualization we will no longer have mutual policyholders and our shareholders will have governance rights.
We're proud of our rich history and are deeply rooted in the communities we serve. And while we stand strong, we never stand still. We're excited at the prospect of becoming the first national P&C insurance company in Canada to demutualize. This is an opportunity for our policyholders to join in our future.
The process to demutualize is set out in regulations published by the federal Department of Finance. As a P&C insurance company with both mutual and non-mutual policyholders, the regulatory process we have to follow is far more complex than any other Canadian demutualizations before us. Here is a comparison of how our demutualization contrasts with the demutualization of Canadian life insurance companies.
Our demutualization has four phases:
PHASE 4a
PHASE 4b
Board decision
The Economical Board of Directors initiates the demutualization process on November 3, 2015.
First special meeting
Eligible mutual policyholders voted in favour to negotiate with eligible non-mutual policyholders on allocation of benefits on December 14, 2015.
Policyholder committees
On June 26, 2018, Economical announced it had submitted its conversion plan, a detailed document that outlines how the company will demutualize, to its principle regulator. The conversion plan includes the allocation of financial benefits negotiated by the policyholder committees.
Second special meeting
On March 20, 2019, eligible mutual policyholders overwhelmingly supported a change to the company by-laws to allow eligible non-mutual policyholders to vote at a third and final special meeting. This milestone moves Economical further towards its vision of being a top P&C insurance company in Canada.
Third special meeting
The conversion plan is sent to all eligible policyholders, who vote together to approve it at the third special meeting, which has not yet been scheduled. If this vote passes, Economical can then apply to the Minister of Finance for approval to demutualize. After receiving letters patent of conversion from the Minister, Economical will begin the initial public offering process.
If any of the above policyholder votes do not pass, the demutualization process ends. The Economical Board of Directors can also stop the demutualization process at any time before final approval from the Minister of Finance.
Here is a more detailed description of the four phase process of demutualization.
To read the regulations in full, visit the Government of Canada's website for federal laws. The regulations are called Mutual Property and Casualty Insurance Company with Non-mutual Policyholders Conversion Regulations.
Our demutualization journey is a long and complex one. After over four years of in-depth consultation with the federal government, the regulations required to begin this journey were created.
We are proud of the achievements we have made to date, and are excited to continue moving forward and unlocking our full potential as a leading Canadian property and casualty insurer.
Below, you can learn more about the critical activities that we have had to complete in order to move to the next step of our demutualization process.
Hover over an activity on our critical path timeline to get more details
Department of Finance develops regulations
As regulations did not exist for a P&C insurance company to demutualize, the federal Department of Finance first had to create the regulations
Economical actively contributed to the development of the regulations, which were enacted shortly prior to a federal election that resulted in a new governing party
The regulations development process include two formal consultation periods over a period of four years
OSFI drafts Instruction Guide
OSFI drafts an Instruction Guide detailing the regulatory requirements for a demutualization, OSFI makes a Ruling on who is eligible
OSFI advises that they need to be kept informed during all stages of the process, even during steps that do not require regulatory approval
Economical engages OSFI
As described in the OSFI Guide, before the Board can approve starting demutualization:
Economical is required to meet with OSFI to present its plans for demutualization and provide OSFI the board resolution for its review
Economical prepares Notice
Economical prepares a notice to inform all eligible policyholders of demutualization in accordance with the regulations
This included determining the list of 630,000 eligible policyholders using the regulations, the Board resolution and the OSFI Ruling
OSFI reviews Notice of Intent
OSFI reviews the Notice of Intent to Demutualize and provides authorization to Economical to send to all eligible policyholders
Economical mails 630,000 Notices
Economical prints and mails Notices to 630,000 eligible policyholders across Canada.
Economical applies to court
Economical is required to wait 30-45 days after mailing the Notice before applying to the court for an initial order to start the policyholder committee process
Court selects counsel and committee members
Court makes an initial order that lays out a reasonable timeline for legal counsel to apply and be appointed, an open process for committee member applications and interviews, and court selection of the policyholder committees
Throughout this period Economical posted the application process and all court documents on Join In Our Future to keep stakeholders informed
Policyholder committees negotiate allocation
After agreeing to the appointment of independent experts, the two policyholder committees (representing eligible mutual and non-mutual policyholders) negotiate the allocation of benefits, with help from their counsel and advisors
Additional time was given by OSFI to allow the committees to finalize the details of the allocation and meet the regulatory deadline
To protect the negotiations, the Court issues a confidentiality order
OSFI reviews negotiated allocation
Per the OSFI Instruction Guide, OSFI reviews the allocation before the committees could vote to approve it
Economical drafts conversion plan
Economical incorporates the allocation into a conversion plan – the legal document that outlines all steps of our demutualization
Five different actuarial and financial experts review the conversion plan and engage with Economical and each other to provide each of their professional opinions
After the committees approved the allocation, Economical finalizes and submits the conversion plan along with the expert opinions
OSFI reviews Special Meeting #2 materials
OSFI conducts its review of special meeting materials, including the conversion plan, the information circular and the expert opinions, against the regulations and the criteria described in the Instruction Guide
Economical continues to engage with OSFI and to provide the materials and information as required by, and to support, OSFI's review.
Economical calls Special Meeting #2
As soon as regulatory approval is received, Economical announces the second special meeting – held on March 20, 2019
Economical sends the approved information circular and proxy forms to all eligible mutual policyholders
Regulatory voting period
For additional historical detail on our Demutualization process click here.
Eligibility depends on holding policies of Economical Mutual Insurance Company (including those sold by Family Insurance Solutions and Western General). Policies issued by Perth Insurance, Waterloo Insurance (Economical Select), Federation Insurance, or Missisquoi Insurance (Economical in Quebec) are not eligible.
There are two types of eligible policyholders: eligible mutual policyholders and eligible non-mutual policyholders.
An eligible mutual policyholder is a person who holds an Economical mutual policy if he or she held it on November 3, 2015 (the date the board decided to proceed with demutualization).
An eligible non-mutual policyholder is a person who holds an Economical non-mutual policy and has done so for the 12-month period ending on November 3, 2015, or meets the special circumstances defined below.
In Spring 2016, Economical sent a letter to each eligible policyholder that describes the demutualization process and states if the person is an eligible mutual policyholder or an eligible non-mutual policyholder.
If you have already received a letter from us, you can log in and set up your demutualization account.
What are the special circumstances to be an eligible non-mutual policyholder?
There are special circumstances where a person who holds a non-mutual policy will be eligible. These circumstances are fixed and cannot be changed or expanded.
A person added to a policy that was already in force for at least 12 months
A policyholder can be eligible even if they did not hold their policy for the entire 12-month period, so long as the policy they held on November 3, 2015 was at least 12-months old at the time.
Example (illustration only): sometime during the year from November 4, 2014 to November 3, 2015, you bought a house with another person. The other person has had an existing Economical home policy for many years and you were added as a joint policyholder and held the policy on November 3, 2015. You and that other person are jointly eligible under this policy.
A person who changed Economical policies part way through the 12-month period, so long as they changed to a "similar" policy
A policyholder can be eligible even if they changed Economical policies during the 12-month period before November 3, 2015, so long as they held two or more "similar" Economical policies during that 12-month period which added up to 12 months of coverage.
A policy is "similar" to another policy if both policies are personal property policies, both policies are auto policies or both policies are commercial property policies.
Example (illustration only): you insured your house with Economical for years. Sometime during the year from November 4, 2014 to November 3, 2015 you moved to a different province and Economical replaced your existing policy with a new policy for the new home.
12-month policyholder with small gaps in coverage
A policyholder can be eligible (including in the above circumstances) even if there are small gaps in coverage (max. 30 days). A gap in coverage occurs when none of the applicable policies are in force.
Example (illustration only): you have insured your business with Economical for a few years. However, you were a little late with your renewal and as a result there was a small gap in coverage (less than 30 days).
Do I have to continue to hold an in force policy to remain eligible?
The negotiated allocation does not require an eligible policyholder to continue holding a policy to receive benefits. The allocation as drafted will treat the person as eligible, even if they now cancel or lapse their policy or otherwise are removed as a named insured from their policy.
Nevertheless, Economical cannot guarantee receipt of benefits in this or any circumstances. The demutualization process is still not complete. Ultimately, receipt of benefits depends on final approvals of the demutualization and the conversion plan (without change) by eligible policyholders in a policyholder vote and the Minister of Finance. Accordingly, eligible policyholders should consider holding their policy or policies throughout the process as it will ensure eligibility under demutualization for any benefits distribution.
Read more information about eligibility.
If you have questions or concerns about how eligibility applies to you, please contact us.
What's in it for Economical?
It is our vision to be a leading property and casualty insurance company in Canada. To do that, we need to better compete with other insurance companies, many of which are share companies. After demutualization, as a widely-held company with common shares, we will have greater access to the capital that will allow us to make investments in the business, strategic acquisitions, and strengthen our financial position and flexibility.
Eligible Economical policyholders
Eligible policyholders have the unique chance to participate in the conversion of Economical to a widely-held company with common shares. As part of this, you may receive cash or shares in Economical.
Shareholders are usually entitled, among other things, to vote at meetings of shareholders and to receive dividends on their shares as declared by the board of directors. Shares can also be sold to investors, for example in an initial public offering, for cash.
The details about the distribution are contained in the information circular for the second special meeting. The value of Economical shares won't be known until much later in the process.
Demutualizing is a key strategy in fulfilling our vision of becoming a leading Canadian P&C insurance company. We're a strong, stable business that provides choice and dependable claims service to your customers. Successfully fulfilling our vision will enable us to remain a longstanding business partner.
Since 1871, Economical has been a strong Canadian business, providing rewarding career opportunities in the P&C insurance industry. Demutualization is a key strategy to achieve our vision of becoming a leading insurance company. Realizing this vision will enable us to stand the test of time and continue to be a great place to work.
Economical began in 1871 as a group of "neighbours helping neighbours" and has remained committed to being a responsible, reliable corporate citizen. Demutualizing is a key strategy in fulfilling our vision of becoming a leading Canadian insurance company. Realizing this vision will help us continue our legacy and be there for policyholders and our community members when they need us most in the years ahead.
In addition, a new charitable foundation is being established as part of Economical's planned demutualization – the Economical Insurance Heritage Foundation. If demutualization is successful, the Foundation will receive a $100 million gift from the proceeds of the demutualization, as was negotiated by the policyholder committees as part of their agreement on financial benefits.
Learn more about Economical
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© Economical 2021

redpajama_set_name: RedPajamaCommonCrawl


What do you do? How will these people be the same?
I'm freaking out myself knowing it happened an hour away from where I live.
RCMP officers investigate a "major incident" that occured on a Greyhound bus Thursday morning, July 31, 2008 about 18km west of Portage La Prairie, Man.
WINNIPEG - Police said Thursday they didn't know what prompted a passenger on a Greyhound bus heading to Winnipeg to viciously attack the man sitting next to him.
Passengers said the man repeatedly stabbed his seat-mate before beheading him and carrying the victim's head around the bus.
RCMP Staff Sgt. Steve Colwell wouldn't confirm those details, but did say a 40-year-old suspect was in RCMP custody and police were planning to interview him.
Colwell said the behaviour of the passengers and driver probably prevented anyone else from being hurt.
"It's not something that happens regularly on a bus," he said. "You're sitting there enjoying your trip and then all of a sudden somebody gets stabbed. I imagine it would be pretty traumatic ... the way they acted was extraordinary."
Colwell said they "were very brave. They reacted swiftly, calmly in exiting the bus and as a result nobody else was injured."
Shocked passengers described the horrific attack as something incomprehensible.
One moment, the quiet man near the back of the bus was minding his own business. The man hadn't talked to anyone around him, and seemed to pay no attention to the younger fellow sitting next to him, who was listening to music on headphones.
The next moment, witnesses said, the older man stood up, still quiet, and repeatedly stabbed, then beheaded his younger victim.
"We heard this blood-curdling scream and turned around, and the guy was standing up, stabbing this guy repeatedly, like 40 or 50 times," Garnet Caton said Thursday from a hotel in Brandon, Man., where he and other passengers had been taken to rest.
"There was no rage or anything. He was like a robot, stabbing the guy."
Caton said the bus stopped and everyone scrambled to get out while the attacker started methodically carving up the victim's body, not paying attention to anyone else.
"We put our bodies up against the door, waiting for him to come out ... and he went back and brought the head to the front and pretty much displayed it ... and dropped it on the ground in front of us," Caton said.
"All very calmly. He was wearing sunglasses. It was no big deal to him."
"The guy came to the front of the door with buddy's head in his hands, decapitated. He dropped the head and went back and started cutting the body back up," Olmstead said.
When police arrived, the victim and his attacker were the only ones left on the bus, Colwell said.
"When attempts were made to have him exit and surrender to police were unsuccessful, additional resources including the RCMP emergency response team and negotiator team were called in to assist."
The man eventually tried to flee by breaking a bus window and jumping out, Colwell said.
"He was immediately subdued and arrested without incident and is currently in RCMP custody."
Both Olmstead and Caton said the attacker and the victim appeared not to know each other.
They said the attacker boarded the bus in Brandon Wednesday night. The victim, who Caton said appeared to be about 19, had been on the bus since Edmonton.
Police would not confirm the victim's age and said his name would not be released until his family had been notified. The suspect's name wasn't released either.
Federal Public Safety Minister Stockwell Day said the full weight of the law must be brought to bear on the perpetrator.
"We want to make sure the process is followed as aggressively as possible, the full legal process ...." Day said from Levis, Que., where Conservative MPs are gathered for a summer planning session.
"This particular incident, as horrific as it is, is obviously extremely rare. Certainly the horrific nature of it is probably one-of-a-kind in Canadian history."
Greyhound called the event tragic but isolated.
A company spokeswoman said bus travel is the safest mode of transportation, despite the fact bus stations do not have metal detectors and other security measures used at airports.
"Due to the rural nature of our network, airport-type security is not practical. It's a very different type of system," Abby Wambaugh said from Greyhound's corporate offices in Texas.
The bus was carrying 37 passengers and the driver to Winnipeg from Edmonton.
A portion of the east-bound Trans-Canada Highway was closed overnight as officers remained on the scene.
Passengers had not explanation either as to what might have prompted the attack. The suspect had been on the bus for only about an hour and didn't even sit near his victim at first.
"He sat in the front at first, everything was normal," Caton said.
"We went to the next stop and he got off and had a smoke with another young lady there. When he got on the bus again, he came to the back near where I was sitting.
Relax! What are the odds, it�s just another random psychopath.
the breed of degenerates in most cities is far more scary than that... because they KNOW what they're doing... this guy was obviously off his rocker.
"this guy was obviously off his rocker."
Not neccessarily. He may have been after the "blaze of glory" effect - it worked.
You never know, he could easily be some psycho on the run who just couldn't resist one more kill. I bet they find out this dude has killed before, and is wanted elsewhere...interesting story.
That's funny. I had that happen to me once on the south side of Chicago. My own rage level was high to begin with, and I must have pissed of the guy behind me as I battled my way through the rush hour traffic, and he started tailgating us and followed us all the way to my exit, 30 miles away. Once I got off the highway, I was 100% certain he was following me. For obvious reasons I was most certainly not going to drive home (don't need people like that knowing where I live) so I drove around the neighborhood for a minute, the whole time, he followed and my wife is screaming at me cause I was ready to stop the car and throw down, but she like, "what if he has a gun, etc etc". So ultimately, I drive right up to the front door of the local police station, stop the car and at that point he finally stops following us and drives on.


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Using Contracts Analytics in Franchise Disputes
By Gloria Huang|2019-05-17T21:57:55-08:00May 17th, 2019|Analytics Articles|
Franchisors frequently become embroiled in contract disputes with their franchisees. Many franchisors have cases pending against their franchisees for breach of the franchise agreement in district courts across the country. In each case, franchisors are facing, not only different franchisees, but also different judges, opposing counsel, and local counsel. Predicting timing, outcomes, and cost is essential to evaluating and resolving franchise claims.
Franchisors (and their counsel) need a data tool that provides insights into the litigation process when the parties are litigating a breach of franchise agreement claim. Data on the court, the judge, opposing counsel, the franchisor's counsel, timing of key events, and likely resolutions is critical to evaluating all aspects of the case and formulating litigation strategy. Lex Machina provides analytics that assist counsel in developing litigation strategy both before and after a lawsuit has been filed.
Franchisors and their counsel can utilize Lex Machina's Contracts data set to implement winning strategies in any federal jurisdiction and with any judge. The Contracts module contains over 147,000 cases. Lex Machine has developed a unique "Franchise Agreement" case tag, so that attorneys can focus on cases involving breach of a franchise agreement. This dataset includes over 6,600 cases that are most relevant to franchisors.
Top Franchise Case Jurisdictions
Where are franchise cases being litigated? Franchisors are able to use analytics to determine where franchise agreement cases are most frequently litigated. The District of New Jersey has the most franchise agreement cases and has seen 20% of the franchise agreement cases pending since 2009.
It is critical for both franchisors and franchisees to know which law firms have experience litigating franchise cases. Franchisors need to dive into the data to determine which firms are representing plaintiffs and defendants in Franchise Agreement disputes. LeClairRyan leads the list of top law firms with 672 Franchise cases (in 660 of these, LeClairRyan represented the plaintiff). Gray Plant Mooty has represented plaintiffs in 359 franchise cases.
Ground-Level, Data-Driven Decision Making for Injunctive Relief
Franchisors frequently seek injunctive relief to prevent defaulting franchisors from continuing to use their intellectual property. Is it a good strategy to seek injunctive relief early in the litigation? Lex Machina's motion metrics assist counsel in making informed decisions about seeking injunctive relief at different stages of the litigation.
Minimize Litigation Risk
Lex Machina's data enables you to find and analyze cases that are similar to yours. Create realistic litigation budgets by viewing time to key milestones in specific courts and comparing them to other jurisdictions. Predict how your judge will behave. Legal Analytics is all about winning strategies. Going beyond anecdotal evidence to data-driven strategies allows attorneys to be more competitive and efficient.
This is a condensed version of Lex Machina's Using Contracts Analytics in Franchise Disputes. Click here to request your copy.
Find out more! Specific insights like these are available in Lex Machina's Contracts Litigation Report.


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Home News Business It takes an average of five months to feel part of a...
It takes an average of five months to feel part of a community after moving house, a study has found
A poll of 2,000 adults revealed 46 per cent consider getting to know your neighbours to be one of the best things about living somewhere new.
Top ways to make the first move when new to a neighbourhood include buying your neighbour a bottle of wine (20 per cent) or inviting them over to share a glass with you (30 per cent).
Others get an invite to the all-important neighbourly group chat (20 per cent).
But a third admitted they struggle to feel included – even though they would like to.
Signs you've been accepted into a new community include parcels being accepted on your behalf (51 per cent), having your bins taken in or out for you (34 per cent) and being told if anyone 'dodgy-looking' has been snooped near your house (34 per cent).
The research was commissioned by Barefoot Wine as part of its Colourful Community campaign, encouraging Brits to share their community stories in a bid to crowned one of three communities of the year.
It includes best street party, most active WhatsApp group and best community support and sprit.
A spokesperson for the brand said: "Moving to a new area can be daunting and it's clear people want to feel comfortable within the community as soon as possible.
"It's been great to see the different ways people build relationships with those around them and that community spirit hasn't disappeared since life resumed as normal.
"The signs you have been 'accepted' have been rather amusing and relatable too, and great to see so many of us bonding over a glass of vino or two.
"At Barefoot we've always championed community spirit, so we can't wait to hear about what makes communities nationwide so special to those in them."
The study also found that after moving house, 51 per cent usually wait for others to make the first move before getting to know them, but a quarter are usually the ones to do it.
It takes the average adult three months to join a group chat with neighbours and two-and-a-half months to organise a playdate for their children.
And an average of three months is the acceptable timeframe for a coffee or wine date.
It also emerged two thirds of adults know the names of all their immediate neighbours, with 27 per cent claiming those on the other side of the fence are their favourite thing about where they live.
While one in five love the fact everyone knows each other, 27 per cent appreciate everyone being kind and helpful and 21 per cent thrive off the community spirit.
Almost half (46 per cent) love their community so much they would stay in the same area if they were ever planning to move.
And 46 per cent find people regularly doing favours for each other – including keeping an eye on their house while away (38 per cent), taking bins out without being asked (32 per cent) and being gifted home grown vegetables (21 per cent).
The study, conducted via OnePoll, also found 26 per cent consider some of their neighbours to be a close friend.
While the top reasons for enjoying a glass with a neighbour are birthday parties (18 per cent), when then sun is shining (16 per cent) and on a weekend get together (16 per cent).
And nearly one in five view being invited for a spontaneous glass of wine as a sign of being welcomed into the community.
The spokesperson for Barefoot Wine added: "Our community spirit has lifted so much over the last two years, and it's heart-warming that people are still coming together and supporting each other in one way or another.
"Communities are so important and gestures – big or small – can make such a difference."
TOP 15 SIGNS YOU'VE BEEN ACCEPTED INTO A NEW COMMUNITY
1. People will take parcels in for you
2. Neighbours taking your bins in/ out for you
3. Neighbours will tell you if anyone dodgy has been near your house
4. Being asked to watch the house while they go on holiday
5. Being invited to the regular social events
6. Everyone knows your family by their first names
7. Being asked to borrow a tool
8. Being given a spare key 'just in case of an emergency'
9. Everyone knows your dog's name
10. You get invited to the street BBQ/ party
11. Being asked to pick someone else's child up from school and giving them tea
12. Being approached for a spontaneous glass of wine
13. You're told of all the local events coming up
14. You get told all the community gossip
15. You get added to a Facebook group/ WhatsApp chat
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