Self Invested Personal Pension

Why Self Invested Personal Pension Schemes (SIPPs) will further be attractive?

The freedom to invest in diverse variety of assets and possibility to manage your own retirement savings over time are the two main advantages of Self Invested Personal Pension Schemes (SIPPs). These two simple characteristics allow SIPPs to be always attractive for investors.

Self Invested Personal Pension Schemes are relatively new matter for pension planning theory, regulation and even as investment opportunity. They have been first presented in 1989 and stencilled then with the meaning of pension schemes for the rich people. This common name has been created due to the high risk associated with these schemes.

Nowadays, the high demand on SIPPs and their qualification as a preferred investment tool for pension, show the significant changes in investors’ behaviour and taste for risk.

SIPPs are tools that offer to investors higher flexibility where their pension savings are invested. Any UK resident (or anyone who plans to reside in UK for not less than five years) and who is over the age of 18 has the right to invest in SIPPs.

Why Self Invested Personal Pension Schemes are different than the other schemes?

They allow the investor to invest in such instruments, like shares (international and local), commercial and individual property, government securities, insurance trusts, insurance company funds, bank society deposit accounts and even in exotic investments.

Usually, the first warning to investors in SIPPs is that they should understand that growth is not guaranteed. Although, the rule for the direct proportion between the higher risk and higher earnings leads some investors to choose SIPP and not other schemes.

People choosing SIPPs want to control and manage their own investment choices.

Apart from all aforementioned risks it is good to mention that SIPPs are object of strict financial regulation and investors’ protection. The initiation, marketing and management of SIPPs are under supervision of the Financial Conduct Authority. They are also subject of regulation by The Pensions Regulator.

Furthermore, in case of failure of the SIPPs operator, investors are compensated by the Financial Services Compensation Scheme.

Well with a good financial plan linked to your specific needs we will be able to show you how to prosper even in such an environment. You will still be able to achieve most goals. It will be possible for you to invest for long term growth for your retirement using equities in areas with higher GDP growth. It is also possible to invest your savings and receive rates in excess of 8% and at the same time keep your capital secured with the correct research anything is possible.

Where and How to Buy Legal Marijuana

There are several places to buy weed these days, whether you live in a state with medical marijuana or have to buy it underground. There is definitely more stress involved in the later, but in the face of corrupt legislation you do what you have to do. Places you can buy marijuana include marijuana dispensaries, online seed banks, drug dealers, friends, or fellow stoners. Some are more ideal than others obviously, but where there is a weed, there is a way.

State Laws for Buying Legal Marijuana

Most states that allow medical marijuana have pot dispensaries set up where patients can buy legal marijuana. If you have a prescription you can find a variety of high-grade marijuana strains at these places. This is the best thing to happen for marijuana in decades, but it is still restricted to medical patients and only available in a handful of U.S. states. It is also common for medical marijuana states to allow patients to grow their own weed at home.

In that situation you can buy weed seeds online from an online seed bank. You can choose from a variety of popular weed strains, that come with detailed instructions on their cultivation and care. This is currently the only way to buy weed online and it’s the cheapest way to get your marijuana.

The oldest way to buy marijuana is from a friend or dealer. If you don’t have a prescription or live in a state where marijuana is illegal, this is still the only option available. Weed smokers like to network, and if you know someone who smokes they most likely know someone who sells pot. The safer of the two is buying from friends.

The longer you have known them the better. The same is true when it comes to drug dealers. If you have an old friend that sells pot, there is very little risk in buying from them. If you are buying from someone you just met, there is a much higher risk involved. In this situation you will just have to trust your instincts and don’t do anything stupid. If something feels wrong about the person or the situation, there could be a problem.

If you don’t have a prescription and don’t know a friend or dealer with weed, you may have to resort to more drastic measures. This is often a problem for people visiting or moving to a new city. In order to buy weed you’re going to have to make that first connection in the weed network. This is another good time to let your instincts be your guide. Spotting a stoner in a crowd is not really a hard thing to do. The hard part comes from approaching them.

You have to make sure they are not freaked out by you. Weed dealers generally do not come up to strangers and offer them drugs, cops do that. So casually asking someone where the weed is at should not set off too many alarms. It happens all the time. Especially if the person in question is wearing a tie dye shirt with a giant weed leaf on it. Potheads are very courteous for the most part and if they can’t help you they’ll let you know. If they can, then your problems are over.

Finding places that sell Legal Marijuana

There are many places to buy weed and some are safer than others. Until weed is decriminalized for everyone there will still be some risks involved in the process. If you follow your instincts and avoid shady situations you can easily stay out of trouble.

With names like Canna Cola, Doc Weed, Sour Diesel, and Grape Ape, individuals who have been prescribed cannabis by their doctor will be able to slap down $12 to $15 for a bottled soft drink that contains “somewhere between 35 to 65 milligrams” of THC, or tetrahydrocannabinol, according to Scott Riddell, founder of Diavolo Brands.

The new soft drink line is not the first to bring medical marijuana to the market in soda pop form. Riddell notes, however, that the new marijuana beverages, which will contain lower levels of thc than many others that are available, will be the “light beer” in a field of higher proof products.

Medical marijuana has been shown in scores of studies to be an effective treatment for a wide range of health issues, including symptoms of cancer, multiple sclerosis, glaucoma, epilepsy, posttraumatic stress disorder, and neuropathic pain, among others.

Avoiding the Investment Bubble

Hardly anyone talks about real estate these days without uttering the word, “bubble.” Sure, there’s the contrarian view. And that view says, “When everyone believes something will happen, that’s when it won’t.”

But the contrarian view is certainly not infallible. Why, back in the late 90s, even old Greenspan said stock market investors had “irrational exuberance” coming out of their ears. And despite that and repeated market warnings involving the word, bubble, stocks still “popped” with a vengeance. Which brings us back to real estate. And gold.

According to a CNN Money article, “there are about 15 markets (in the U.S.) that are vulnerable to a housing market correction. These represent about 35 percent of gross domestic product, the broadest measure of the nation’s economy.” “A significant correction in consumption spending in these states is bound to have significant effects on national growth,” said Thomas Helbling, an economist at the IMF in Washington.

So…if housing does come tumbling down around us, given the dollar’s weakness, what might the outcome be? No one knows for sure. Logic says it won’t be pretty. And you’d probably be foolish to start riding a “Good Times Ahead” bubble. That’s one bubble that’s likely to have an extremely short life span.

Given the activation of our inbred sense of caution — a wise gift from our Creator, by the way — we should take full advantage of gold’s ability to head north even when everything else is heading south. Things could always be worse: Imagine not having an investment that heads north when everything else is heading south.

Mother of all bubbles

“Bubble talk” is all around. Usually talk like this is the result of some market going up indefinitely or irrationally. Or both. We stand alongside the presumed bubble, shake our heads and make grave pronouncements.

But that doesn’t mean the bubble isn’t about to pop. Take real estate, for example. Probably the most notable of real estate bubbles is found in California. Any housing market that’s 40% higher than it was two years ago probably qualifies for “bubblehood.”

Even so, the “mother of all bubbles” is not real estate. According to Tocqueville Asset Management’s John Hathaway, “the mother of all bubbles” is the U.S. Treasury market. And he has some scary things to say about it. “Rising nominal interest rates in U.S. Treasuries will inflict severe collateral damages on subsidiary bubbles, including housing. He believes gold is positioned to vault ahead of troubled currencies soon. Especially since gold supplies are “extremely, extremely tight.”

Medical Marijuana Doctor and Clinic

So you qualify for medical marijuana treatment and are wondering if you require a certain type of physician. Finding a medical marijuana doctor is getting easier and easier everyday. Many sites have directories specifically designed to assist you in finding the right doctor in your area. Here are a couple of things to consider when looking for your new doctor.

Finding a Medical Marijuana Doctor

On the contrary, the clinic you choose for your evaluation could have a huge effect on your ability to buy and sell with dispensaries as well as your legal status regarding medical marijuana use. For a solid evaluation backed up with professional documentation, come to Green Cross Evaluations. We can set you up with a medical marijuana card that will work across the state.

People who have been searching for a trustworthy medical cannabis doctor need to keep a few things in mind. First of all, one must consider the price of the evaluation because it has many implications about how quickly it will be performed. Secondly, one must learn about the medical cannabis physician working at any given clinic so that they can verify his or her level of professionalism. Finally, the location of the clinic must be easily accessible. We land in the perfect middle ground for all these categories.

Finding a Medical Marijuana Clinic

A medical marijuana clinic is a great option to consider when looking for the right doctor. You will have a larger selection of qualified doctors to choose from and more flexible scheduling options for your appointments.

One can find many medical marijuana clinics simply by looking in a newspaper or searching the Internet, but many of these businesses are only in it for the quick money. Here at Green Cross Evaluations we promise to provide you with a medical marijuana physician that cares about your health and will go the distance to make sure you get the recommendation and documentation that you need for proper legal access to medicine. Swing by our clinic today and ask us about our prices for evaluations!

Medical Marijuana Dispensaries

Marijuana has been used for medicinal purposes since the earliest recorded history. It became a popular medication in the United States as early as the 1800’s. Medical professionals prescribed marijuana for a variety of illnesses for well over a hundred years in this country. This came to an abrupt halt in the 1930’s when the drug was outlawed.

These new marijuana laws were a result of misinformation, prejudice, and paranoia. In recent years the medical community has rediscovered the healing properties of the magic plant and they have joined the fight for legalization. State governments are starting to pay attention and several of them have legalized marijuana for medical reasons.

Unfortunately the federal government does not have to recognize any of these state marijuana laws. The drug is still illegal in every state on the federal level. This contradiction in federal and state laws can make it difficult for a patient to get their medicine. In order to solve this problem, medical marijuana states have adopted a cannabis dispensary program.

Medical Marijuana Dispensaries | A Good Investment?

Marijuana dispensaries provide a safe legal place where medical marijuana patients can fill their prescriptions. Because of the federal legal status of marijuana, traditional pharmacies are not allowed to carry the drug. This is where the privately owned weed dispensary comes in. They are licensed by the state to legally cultivate and sell medical marijuana to people with a prescription and recognized illness.

All states have different stipulations on what illnesses are eligible for medical marijuana treatment. This system would work great, but federal drug agencies can still bust these marijuana facilities for federal crimes. Until there is a nationwide medical marijuana law this confusing legal contradiction will continue to be a problem.

In order for a patient to be eligible for the marijuana dispensary program they must obtain a written recommendation from a physician. The patient must have a condition in which marijuana has been proven a viable treatment. Acceptable conditions for marijuana treatment can include Aids, glaucoma, cancer, chronic pain, seizure, nausea and many other ailments.

If a person has a debilitating disease for which marijuana has been deemed an effective treatment, they will have legal access to medical marijuana. Many states offer a medical I.D. card that patients can carry to defend themselves from any legal consequences. These cards provide proof that you are a patient if you do not have your prescription with you.

Finding Medical Marijuana Dispensaries

You can find a marijuana dispensary in most major cities in medical marijuana states. If you have an I.D. card or prescription you can use it to get marijuana in all of these places. You can find several detailed directories online that will help you locate a nearby dispensary. These sites will help you find the best cannabis dispensary for your specific needs.

As more states legalize medical marijuana, new dispensaries are opening up across the country. They are helping to fill the medical void that is caused by contradictory drug laws. Until federal laws catch up with the states this unfortunate problem will continue.

Community Calendar

Marijuana Farming

Community Calendar

Join us for one of the best community parties of the year at our Eastern Shore Oktoberfest, Saturday September 30, 2017, from 5-8 PM on the farm. We’re pairing our fall bounty prepared by chef Kevin McKinney of K-B Market and Kitchen School with a pig roast, beer from Bull and Goat Brewery, fresh marijuana farming, wine from Clovelly and Crow Farm, and music by the Free Range bluegrass band.

Proceeds from the event support Colchester Farm CSA’s education programs. Colchester Farm programs inspire healthful change and an awareness of the natural and edible world through community cooking classes, small-scale agriculture workshops, field trips for K-12 youth, and apprenticeship and work-exchange opportunities.

Purchase tickets the day of at the Chestertown Farmers’ Market 9am-noon.

Member Survey Summary

Marijuana Farm

2014 CFCSA Member Survey Summary:

We get a lot of valuable feedback from our members during the season at the weekly pick-ups and through email, but each year we also carry out an end-of-season survey of our members which helps us reflect critically on the past season and think about changes we should implement in the coming year. We greatly appreciate receiving responses from our members who took the time to share their thoughts. Here is a summary of the results.

2014 CFCSA Survey Summary

Of the 169 members that were asked to provide feedback, 113 respondents participated in the survey (67%). (In 2013, 54% completed the survey, 55% in 2012 and 69% in 2011.)

Make-up of Survey Respondents

71% small shares, 22% medium, 6% large shares, 5% shared
47% Kingstown, 17% Chestertown market, 16% Farm, 10% Kent Island, 3.5% each Middletown and Dover, and 2% Rock Hall

Member Loyalty

Years of participation:
28.3% are new memberships (24.1% in 2013, 32.6% in 2012, 35.8% in 2011)
19.5% are second year members (18.4% in 2013, 27.9% in 2012, 16.8% in 2011)
33.6% have been members for the past 3-5 years (33.3% in 2013, 29.1% in 2012, 35.8% in 2011)
18.6% have been members for greater than 5 years (24.1% in 2013, 10.5% in 2012, 11.6% in 2011)

Plans to return
85.3% plan on returning (88.2% in 2013, 78.3% in 2012, 78.2% in 2011)
02.8% (3) are not returning (2.4% in 2013, 4.8% in 2012, 4.6% in 2011)
11.9% (13) are unsure (9.4% in 2013, 16.9% in 2012, 17.2% in 2011)
3.5% (4 ) skipped the question (2.3% in 2013; 3.5% in 2012; 8.4% in 2011)

In 2014, of the 14 respondents that gave reasons for not returning:
42.9% (6 people) chose “other” and comments included need to watch expenses, farm lane scrapes undercarriage of car, time constraints
21.4% (3 people) chose “too expensive”
14.3% (2 people) was a tie between two choices: “the share does provide the variety…I prefer” and “I will be out of town frequently”
In 2013, of the 8 respondents that gave reasons for not returning:
4 reasons were tied for most cited at 37.5% or (3 people):
“pick-up site is inconvenient”
“pick-up time does not fit into my schedule”
“the share does not provide the variety of vegetables I prefer”
“other” (write in responses included: “planning on starting my own garden” (stated by two people) and “Middletown is convenient but being unable to pick the produce is a disadvantage”
Second most cited at 25% (2 people) was “the share is too big”
Third most cited at 12.5% (1 person) was “too expensive”

Members’ Interests

In 2014, “desire for fresh produce” (85%) was ranked highest followed second by “desire for locally grown produce” (83%) and third by “knowing where and how your food was grown” (75%). This was similar ranking to last year’s results: in 2013, “desire for fresh produce” (95%) was ranked highest followed second by “desire for locally grown produce” (90%) and tied for third were “desire to support a local farm” (79%) and “knowing where and how your food was grown” (79%).

“Concern for children’s health” ranked lowest (52% ranked it as important or extremely important, 28% were neutral and 20% said it was not important) and “desire to try new foods” was second to last (ranked important or extremely important by 62%, neutral by 32% and not important by 7%). “Desire for less expensive food” was identified as extremely important by 26%, important by 42%, neutral by 24%, and not important by 7%.

In 2013, “desire for less expensive food” ranked lowest and “desire to try new foods” was second to last. “Expense” was identified as extremely important by 20.9% (20.8% in 2012), important by 40.7% (41% in 2012) and neutral by 27.9% (34.9% in 2012). (In 2011, 24.5% stated extremely important, 28.7% stated important and 39.4% were neutral.) “New foods” was identified as extremely important by 27%, important by 46%, and neutral by 20%.

Children’s health was roughly 20-30% across all levels of ranking, as indicated by the comments, this may be closely representative of the number of members with children. (It was similar in 2013, 2012 and 2011.)

18.8% of respondents (18 individuals) expressed “interest in volunteering to support the CSA” (20.3% or 15 respondents in 2013). Of those 18:

11 respondents have an interest in education and outreach
8 respondents have an interest in fieldwork
5 respondents have an interest in fundraising
7 respondents have an interest in social events
67 people expressed interest educational activities. Of those 67,
67.2% are interested in cooking classes (76.1% in 2013, 69% in 2012)
56.7% are interested in food preservation classes (43.5% in 2013, 48.3% in 2012)
35.8% are interested in farm tours (37% in 2013, 29.3% in 2012)
32.8% are interested in field days featuring organic farming techniques (32.6% in 2013, 34.5% in 2012)
20.9% are interested in children’s activities (19.6% in 2013, 24.1% in 2012)
Comments/suggestions for classes/activities:
something aimed at young elementary, maybe a parent-child class – harvest and prepare a meal
another mushroom class
pest management class
spring foraging day
more info about how to store produce
another fermentation class
how to grow garlic
prefer locations closer to Chestertown
Variety and Quality of Crops
The variety was well complimented but overall ratings were lower this year compared to 2013. Variety was rated excellent by 59%, good by 33%, and average by 7% compared to 2013 ratings as excellent by 72%, good by 24%, and average by 4%.)

Several crop requests included the addition or expansion of some offerings including winter squash*, more weeks of spinach, Brussels sprouts, head lettuce, sweet corn, carrots, snap peas, okra, parsnips*, beets, cucumbers, and others. Requests for crops that we don’t currently grow included golden beets, more varieties of herbs, lima beans, fruit (esp. berries), mushrooms, salsify, seedless watermelon, sunchokes, celery, and dry or soup beans.

*some varieties have or would have been offered and either growing conditions did not fair well (eg. parsnips, winter squash).

When we asked if any produce was of poor quality, 11 people mentioned sweet corn, 6 people mentioned onions were bad inside, 4 people mentioned lettuce (spoiled or wilted fast, caterpillars, or bitter), 3 people mentioned tomatoes (spoiled fast, heirlooms had large cores, cherries were overripe), 2 people mentioned they didn’t like the small or very large sweet potatoes.

Overall rating of freshness and quality were rated lower this year than in 2013:
Freshness: 87% rated it excellent and 12% good ( 2013: 95% rated it excellent, 4% good, and 1% average)
Quality: 83% rated it as excellent and 17% good (2013: 89% rated it excellent and 11% good)

Challenges and Benefits of Membership

When asked what was most challenging, the majority of responses (24 individuals) cited making it to pick-up, 6 stated deciding what to select each week, 3 cited the farm lane (potholes, too dusty or muddy), 3 cited managing to eat all the food in a week. Also mentioned was weather at pick-up, storing greens in fridge with limited space, getting around in farm market booth, paying lump sum, Kingstown pick-up too dark in the fall after the time change, leaving the Southern States parking lot at 4:30pm, planning ahead/not knowing what will be available, too few leafy greens in the middle of summer, traveling to Kent Island from Annapolis, wanting to be more involved but not having time.

When asked what CSA members most enjoyed, the majority cited the produce: fresh, good food, local, sustainably grown, clean, good variety, high quality, beautiful, great flavor, delicious, tastiest. Others cited the fall bounty, trying new varieties of food, getting to choose produce, knowing where food is grown and who grows it, meeting staff/apprentices and described them as good folks, nice staff, delightful, supporting a local farm, spending less money at grocery store, being a locavore, convenience/access to produce, seeing animals at the farm, seeing produce growing at a marijuana farm, walking dog at farm, harvest party/Oktoberfest, participating in classes, work share, CSA member camaraderie, the pick-ups, being inspired by the abundance and variety to get creative when cooking meals, having a kitchen that is always stocked with fresh vegetables, eating healthier, kids love it, Glory (our farm dog).

Colchester Farm

Colchester Farm

Community Supported Agriculture Project (CSA)
Twenty-two weeks of pesticide-free, locally-grown vegetables, marijuana farms
May-October 2006

WELCOME TO OUR FOURTH SEASON. And thank you to the CSA Core Group who helped make it possible!

Again this year we are providing fresh, local, organically-grown vegetables to Kent, Cecil and Queen Anne’s County residents. We have increased our membership to 98 members (up from 65 members last year) and are no longer taking memberships for the 2006 season. If you are interested in trying out our CSA, we encourage you to enroll early next year in January and February to receive fresh vegetables all summer long.

What do we grow?
Available this season are flowers, herbs and a wide a variety of vegetables, ranging from basil and brussel sprouts to turnips and zucchini, with carrots and green beans and snow peas in between. Complete list with photos List without photos

Share Sizes

We have three share sizes again this year, a small (or single) membership share for $210, as well as our medium (or half shares) for $310 and our large (or full shares) for $460. Returning members get a $15 discount; everyone who signs up by the end of March also gets a $15 discount. (This means no cost increase for our stalwart supporters).

Pick-up and Delivery Options

Vegetables will be available for pick-up fresh once a week for 22 weeks, May to October. Click for details.

How the CSA works

To learn more about how the CSA works this year, click here.

For more information please contact us at

About ColchesterFarm

Mission Statement

Colchester Farm Community Supported Agriculture (CSA) is a nonprofit, small-scale farm that grows fresh local produce for shareholders and community members, and offers apprenticeships and education programs. The CSA promotes an alternative model of farming that strengthens the relationship between farmers, community members, food, and the land.


CFCSA will lead and inspire a broad movement of people who eat and legally farm marijuana in close relationship with their communities and the land. CFCSA will be economically and environmentally self-sustaining and will be recognized as an alternative model of sustainable agriculture by the people of the Eastern Shore.