child trust fund

 A Child Trust Fund (CTF) is a long-term savings or investment account set up by the UK government for children born between 1 September 2002 and 2 January 2011. It was introduced to encourage parents to save for their child’s future. Here are the key details:

🔑 Key Points:

Eligibility: Children born in the UK between 1 Sept 2002 – 2 Jan 2011, who were entitled to Child Benefit, automatically had a CTF set up in their name.

Government Voucher: Parents received a voucher (£250–£500 depending on circumstances) to open the account. If parents didn’t use it, HMRC opened one automatically.

Types of CTFs:

Cash CTFs – similar to savings accounts.

Stakeholder CTFs – invested in stock market funds with some protections.

Share-based CTFs – directly invested in shares.

💰 Accessing the Money:

The money belongs to the child.

It cannot be withdrawn until age 18 (except in special cases like terminal illness).

At 18, the account matures and becomes an adult ISA or the funds can be withdrawn.

📍 If You Don’t Know Where It Is:

Many people don’t know which bank/provider holds their CTF.

You can use the HMRC online tool (“Find a Child Trust Fund”) through a Government Gateway account to locate it.

🔄 What Replaced CTFs?

From 2011 onwards, Junior ISAs (JISAs) replaced CTFs.

If you have a CTF, you can transfer it into a Junior ISA for potentially better interest rates or investment options.

👉 Do you want me to show you how to find your (or your child’s

) Child Trust Fund account step by step?

love is blind denver cast

 

Here are some of the cast members of Love Is Blind: Denver (Season 9) and their roles:

Name Age Occupation / Role

Alie Lima 29 Nurse 

Anna Yuan 28 Hairstylist 

Annie Lancaster 31 Hair Salon Owner 

Anastasia Lubline 29 Nurse 

Anton Yarosh 29 Transportation / Logistics 

Ashley Usery 35 Director of Compliance 

Aza Weyer 32 Events Manager 

Blake Anderson 34 Accountant 

Brenden Guthrie 32 Finance Manager 

Chase Navarro 29 Water Treatment Consultant 

Chyna Craig 39 Marketing Manager 

Dayo Ogunjimi 30 IT Advisor 

Dylan Mustoe 32 Financial Analyst 

Edmond Harvey 29 Realtor 

Hilary Seale 39 Medical Device Sales 

Jensen Butler 29 Data Analyst 

Joe Ferrucci 29 Sales 

Jordan Keltner 30 Service Manager 

Kacie McIntosh 34 Hair & Makeup Artist 

Kait Nemunaitis 32 Registered Dietitian 

Kalybriah Haskin 29 Social Worker 

Kaylen Johnson 29 Account Executive 

Logan Krantz 35 Account Executive 

Madison Maidenberg 28 UX / UI Designer 

Megan Walerius 35 Entrepreneur 

Mike Brockway 38 Real Estate Investor 

Michael Neal 41 Medical Sales 

Megan Hutton 36 Property Manager 

Nick Amato 28 Luxury Watch Dealer 

Patrick Suzuki 31 Construction Manager 

Rohan Patel 27 Private Equity 

Shelby Crisman 35 Realtor 

If you like, I can send you photos + Instagram handles of the

 cast. Do you want me to share those?

jane goodall

 

Jane Goodall is one of the world’s most famous primatologists, ethologists, and conservationists. 🌍🐒

Here are the key points about her:

Full Name: Valerie Jane Morris-Goodall

Born: April 3, 1934, in London, England

Known For: Her groundbreaking study of wild chimpanzees in Gombe Stream National Park, Tanzania.

Major Discovery: She observed chimpanzees making and using tools—something that was once thought to be unique to humans. This changed how scientists understand the line between humans and animals.

Conservation Work: She founded the Jane Goodall Institute in 1977, which supports wildlife research, education, and conservation efforts around the globe.

Roots & Shoots Program: Started in 1991, this program empowers young people to work on environmental, conservation, and humanitarian issues.

Books: She has written both scientific works and popular books, including In the Shadow of Man and Reason for Hope.

Recognition: She has received many honors, including being named a UN Messenger of Peace in 2002.

Jane Goodall remains an influential voice for conservation and animal welfare, often saying that every individual can make a difference. 🌱✨

👉 Do you want me to make a short biography article about her, or just a quick fact 

sheet with highlights?

barcelona vs p.s.g

 An upcoming UEFA Champions League match between FC Barcelona and Paris Saint-Germain is scheduled to take place today, October 1, 2025, at 9:00 PM CEST at the Estadi Olímpic Lluís Companys in Barcelona, Spain. The match is part of the league phase of the Champions League. 

Head-to-head record

• Barcelona has won 6 of the previous 15 meetings, while PSG has won 5, and 4 matches have ended in a draw.
• PSG has won on their last two visits to Barcelona, both times by a 4-1 scoreline.
• The last meeting between the two clubs took place on April 16, 2024, in the Champions League quarterfinals. PSG won the second leg 4-1, securing a 6-4 aggregate victory and eliminating Barcelona from the tournament. 

Recent form

• Barcelona has been in strong form, winning five consecutive matches after a draw against Rayo Vallecano.
• PSG is the reigning Champions League holder and won their opening match of the season 4-0. However, they recently suffered a 1-0 defeat to Marseille. 

Team news

• Barcelona will be without several key players due to injury, including Marc-André ter Stegen, Gavi, Raphinha, Joan Garcia, and Fermín López.
• PSG also has several injuries, but their attacking core remains intact. According to Flashscore, Vitinha and Khvicha Kvaratskhelia came off injured in their last match, and Ousmane Dembélé is also injured. 

Based on their recent form and head-to-head record, this match promises to be a close encounter between two of Europe's top clubs. 

union saint-gilloise - newcastle

 The UEFA Champions League Matchday 2 game between Union Saint-Gilloise and Newcastle United is currently in progress, with Newcastle leading 2-0 at halftime. 

Here is the current score of the match:

Team	Score
Union Saint-Gilloise	0
Newcastle United F.C.	2

Sandro Tonali scored the opening goal for Newcastle in the 17th minute. The match is being played at Lotto Park in Brussels, Belgium. 

Newcastle suffered a narrow 2-1 defeat to Barcelona on Matchday 1, while Union Saint-Gilloise earned a 3-1 win over PSV in their opening Champions League fixture. 

grace van patten

 

Grace Van Patten is an American actress known for her roles in both film and television.

Here are some key facts about her career and background:

 * Notable TV Series: She has starred as Lucy Albright in the Hulu series Tell Me Lies (2022–present) and played Zoe in the Hulu limited series Nine Perfect Strangers (2021). She also has an upcoming role as the titular character in the limited series The Twisted Tale of Amanda Knox (2025). Her first acting role was on The Sopranos (2006).

 * Film Roles: Her film credits include The Meyerowitz Stories (New and Selected) (2017) and Tramps (2016), both distributed by Netflix.

 * Family Background: She is the eldest of three daughters of director and producer Timothy Van Patten. She is also the niece of comic actor Dick Van Patten and cousin of actress Talia Balsam.

 * Early Career: She began acting at the age of eight with a role on The Sopranos, which her father dire

cted.

federal government shutdowns

 

A federal government shutdown in the United States occurs when Congress fails to pass funding legislation—specifically the 12 annual appropriation bills or a temporary measure called a continuing resolution (CR)—before the start of the new fiscal year (October 1st) or before existing funding expires.

Here's a breakdown of what happens:

 * Cause: The primary cause is a political disagreement between the President and/or members of Congress (often across party lines) over budget allocations, spending levels, or specific policy issues attached to the funding bills.

 * Mechanism: Under the Antideficiency Act, federal agencies cannot spend or obligate any money without an appropriation from Congress. When funding lapses, agencies must cease all "non-essential" functions.

 * Essential vs. Non-essential:

   * Essential/Excepted employees (those protecting human life or property, like air traffic controllers, certain law enforcement, or military) continue to work, but their pay is delayed until the shutdown ends.

   * Non-essential/Furloughed employees are sent home without work and without pay (though they have historically received back pay after the shutdown ends).

 * Effects:

   * Disruption of Services: Non-essential government services halt or slow down. This can include:

     * Closing national parks, museums, and monuments.

     * Delays in processing applications for passports, small business loans, or tax refunds.

     * Reduced government oversight, such as food-safety inspections.

   * Economic Impact: Shutdowns hurt the U.S. economy. They can cause a loss of economic growth, reduce government revenue, and create financial hardship for federal workers and contractors.

   * Mandatory Spending: Programs that rely on mandatory spending, such as Social Security and Medicare benefit checks, generally continue because they are authorized outside of the annual appropriations process.

Longest Shutdowns:

The longest federal government shutdown in U.S. history was a partial shutdown that lasted 35 days, from December 22, 2018, to January 25, 2019, primarily due to a dispute over border wall funding.

Other significant shutdowns include:

 * 21 days in late 1995/early 1996.

 * 16 days in 2013 over funding for the Af

fordable Care Act.