Provide access to hidden under tiles Communications can, making an inspection door with your hands and place it on the wall. This will reduce the cost of installation and will take not much more time compared with the choice of ready-made designs.
Installation of special sanitary manholes need, Firstly, in lavatories and bathrooms. They provide access to communications, metering instruments, filters, node management, and even water heaters, hidden behind walls or tiles, in rare cases, gender. With the help of these structures, It fits perfectly into the interior, easy to check the status of pipes and water meters, and for their replacement. Make inspection door with his own hands is easy, although it should know the features of the manufacturing and installation.
What is the hatch Invisible?
There are two types of inspection openings. Normal variant an affordable cost and ease of installation, but visible on the wall. Hatches Invisible does not catch the eye, but it requires more time for setup and experience. ready designs, frame and door you can buy, selecting from a range of well-known manufacturers ("Practitioner", Hago and "Lyuklend"). But profitable to do with your own hands sanitary manhole, masking his tiles, it will come out much cheaper.
The choice of tools and materials
In order to produce and install the door under the bathroom independently You must have the following tools and materials:
- Facility Push-to-open, ensuring the opening of the door without handles;
- moisture-resistant drywall (except for options with a brick or concrete wall) and plywood;
- wooden beams;
- reinforced mesh;
- PVA glue and adhesive for tiles;
- most ceramics in size across the surface for tiling, since its installation will be carried out immediately after installation of the hatch;
- drill and screwdriver;
- tape measure and pencil.
The material and plywood can be used for most of the door and the hatch, and particle board or OSB - it all depends on the number of tiles pasted on it. The more ceramics, the stronger must be the design. The most stable variant is an oriented strand board, whereas plywood is suitable, if the door is designed for only one tile. The thickness of the hatch opening portion when selecting the SIR should be not less 12 mm.
Creating frame and door
After the selection of materials for manufacturing door frames and measurements carried out to determine the size and location of the hatch plan. It is desirable to install it in such a way, to him it was easy to get. If the location of the hatch is only possible in remote places, It should not provide a normal swing door construction, and hinged (in the presence of obstacles at a distance of less 120 mm from the hatch) or sdvižnuû.
The size of the door is recommended to select multiple elements lining. For ceramics the width and height of 25-30 cm longer improvised audit hatches for the counter can be the same in size with a tiled. A key to access the communications door should provide at least 400x600 mm, coinciding with the area 4 standard tiles 20x30 cm. Large size is not always increase the usability of the hatch. And in order not to spend too much time on the design and materials, it is not recommended to do it too high or wide.
Council: Dimensions can choose and size of the opening in the brick or concrete wall. However, they can not match the tiles parameters, but the distance between the edges of the door and stuck on her pottery should not be more than 5 See the hinge side and 7,5 see the other sides.
In the process of planning the location and size of the door need to be considered, the material from which are made walling:
- if the basis for the installation of the tiles will be concrete wall or brick, It should focus on the dimensions of an existing niche;
- mounting a homemade hatches under the tile in drywall, aperture reinforce a framework of metal profiles.
Having defined the size, should choose the number and location for installation of the door hinges. For conventional hatch only two anchorages. For a large - three or four, spaced not less 100 mm apart and approximately 1-2 cm from the edges of the door.
We recommend separately see below video on the use of neodymium magnets for the manufacture of sanitary manhole.
Begins to set auditing hatch bathroom with their own hands by creating a frame. For Drywall installation process is simplified, because as the carcass structure may make profiles, which enhances the aperture. A lining of the inner perimeter of the hatch is sheathed with strips of the same OSP, from which it is made. When installing inside a stronger wall on the edges of a niche with communications or devices mounted wooden bars.
The next phase - installation of hinges on the door, and their mates - in the right frame space (but only one screw). Further it is necessary to carry out the verification unit to determine whether mounting fasteners. Installed in the door must be in the same plane as a brick wall or plasterboard. In the second embodiment, the hatch try on with the already glued plasterboard part. After verifying the response of the loop completely fix the second screw, install door and again adjust its position.
the process of installing ceramic tile sanitary manhole under their hands is as follows:
- The outer part of the door and degreased hruntuetsya;
- The wooden surface is smeared with white glue;
- Bonded plaster mesh top (using spatula);
- After drying adhesive (not less 12 hours) preparing an adhesive solution;
- Tile is glued to the nylon mesh;
- Continue to install the rest of ceramics.
Council: Tiles should continue to be laid by the auditing hatch. First brought to the end of a series of (or 2-3 rows height), and then continuing laying under the door. In this way, the location of the ceramic can not be broken, and the hatch will be invisible.
After installing the tiles on the wall on either side of the door is additionally checked the location of the hatch relative to the plane walls. If he stands or, conversely, too recessed into the, It allowed more time to adjust the position of the attachment. In order to simplify the adjustment of the, the last to set a push-system.
Video on independent manufacturing homemade sanitary manhole


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Modi a good man, don't know Rahul, AAP lacks experience: Sri Sri
Sri Sri Ravishankar has praised Gujarat Chief Minister and Bharatiya Janata Party’s prime ministerial candidate Narendra Modi as a "good man" but said he has no opinion about Congress Vice President Rahul Gandhi as he was not acquainted with him.
Answering a specific question about his opinion of Rahul Gandhi and Narendra Modi, at the Club Grounds in Chandrapur, where he was conducting a 'Divya Utsav cum Mahastasang', he said that he is not at all acquainted with Rahul and hence had "no opinion" on him, but informed that he had met Modi a couple of times and "he appears to be a good man".
He also said that coalition governments have proved to be a failure in governance and hence "a single party government with majority" is the need of the hour.
When asked about his opinion about the Aam Admi Party as an alternative to existing political parties at Centre, he said that though AAP appears to be honest in providing corruption free governance, it lacked experience.
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'Time is not ripe yet for AAP to form government at the Centre'
"It is like giving keys to a driver with learning license to drive the vehicle in difficult terrain. Hence it is better to wait for some more time to analyse its performance. Time is not ripe yet for AAP to form government at the Centre," Sri Sri told reporters.
He also spoke about the Art of Living Foundation's latest mission called 'Vote For Better India'.
"Vote For Better India, is AOL's new mission through which over 12 crore youth in our county would be encouraged to enroll their names in voters' lists and vote for the candidate of their choice during the forthcoming elections," he said.
"We have to ensure that there is 100 per cent voting so that the real representatives of the people of the area get elected. We have thousands of volunteers working for the cause to assist and ensure enrollment of names in voters' lists," Sri Sri said.

domain: news


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Stephen Meakin is world-renowned for his highly recognisable signature aesthetic. Powerful Abstract Sacred Geometric paintings.
These kaleidoscopic mandala-esque artworks have such an ethereal beauty it's like viewing music forming in air each with its own number, rhythm, cadence and tone. Created with the technical perfection of Celtic and Persian ornamental design and with mystical directive of the Rose Window and Sacred Mandala. Stephen Meakin creates paintings to 'Celebrate the Universe' in all it's awesome radiant glory from snowflake to super nova.

domain: artistic


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Buddah Records was a record label founded in 1967 in New York City as an offshoot of Kama Sutra Records. The logo used in the early years features a depiction of the Hindu deity Shiva (and not Buddha as one might expect). It’s paired with a wordmark set in caps from Staudel Xenotype K.
This weirdly named face is a phototype interpretation of an untitled “modern alphabet” drawn by Chicago-based lettering artist J.M. Bergling and reproduced in his book Art Alphabets & Lettering from 1914. The design with convex bowls alternates between bottom-heavy and top-heavy forms. It’s part of Photo-Lettering’s “Xenotypes”, a series of revivals of alphabet designs that originated in the Art Nouveau period. While “xeno” describes their otherwordly look – which was very much in fashion again in the 1960s – I have yet to find out what “Staudel” might stand for. The face is listed as Staudel XenotypeK in Photo-Lettering’s 1971 catalog. It was already shown in Art Nouveau Xenotypes 1895–1905 from 1962, there under the name Xenotype 3487. Ringling Brothers appears to be a looser interpretation of Bergling’s lettering, also made at Photo-Lettering around that time.


The schedule for the highly anticipated Rugby World Cup 2023 has been released, and fans around the world are eagerly awaiting the clashes between their favorite teams. Among the most anticipated matches is the All Blacks’ journey in the tournament, as they aim to reclaim the prestigious title they last won in 2015. Let’s take a closer look at their schedule.
All Blacks (New Zealand) Rugby World Cup 2023 Schedule
|SAT 09 SEP||12:45AM IST||France vs All Blacks||Stade de France, Saint-Denis|
|SAT 16 SEP||12:30AM IST||All Blacks vs Namibia||Stadium de Toulouse, Toulouse|
|SAT 30 SEP||12:30AM IST||All Blacks vs Italy||OL Stadium, Lyon|
|FRI 06 OCT||12:30AM IST||All Blacks vs Uruguay||OL Stadium, Lyon|
The All Blacks will kick off their campaign on Saturday, September 9th, with a thrilling match against France. This encounter promises to be a clash of rugby titans as the two formidable teams face off at the iconic Stade de France in Saint-Denis. Rugby enthusiasts can expect an electrifying atmosphere as these two powerhouses battle it out for victory.
A week later, on Saturday, September 16th, the All Blacks will take on Namibia at the Stadium de Toulouse in Toulouse. This match presents an opportunity for the New Zealand team to showcase their skills and strategy against a determined Namibian side. Fans can anticipate a display of high-quality rugby as both teams vie for dominance on the field.
Continuing their quest, the All Blacks will go head-to-head against Italy on Saturday, September 30th, at the OL Stadium in Lyon. This encounter will test the resilience and adaptability of the New Zealand team, as they face a spirited Italian side known for their passion and tenacity. It will be a thrilling contest that rugby enthusiasts won’t want to miss.
In their final match of the group stage, the All Blacks will square off against Uruguay on Friday, October 6th, once again at the OL Stadium in Lyon. While Uruguay may be considered underdogs in this fixture, they are a team that can surprise their opponents. The All Blacks will need to remain focused and determined to secure a win and advance to the knockout stage of the tournament.
With a challenging but exciting schedule ahead, the All Blacks are well-prepared to showcase their trademark skill, agility, and teamwork. Rugby fans worldwide will be eagerly following their journey, hoping to witness moments of brilliance and unforgettable displays of rugby prowess.
As the Rugby World Cup 2023 draws closer, anticipation and excitement continue to build. The All Blacks, with their rich history and renowned legacy, are poised to make their mark on the tournament once again. Fans and pundits alike eagerly await their matches, anticipating a showcase of world-class rugby and a reminder of why the All Blacks are one of the most revered teams in the sport.
So mark your calendars, gather your friends, and get ready to witness the All Blacks’ journey through the Rugby World Cup 2023. It promises to be an exhilarating and unforgettable experience as these rugby giants battle it out on the global stage.


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Nevertheless, it will be very difficult to smoke him out of his underground lair, as the president has promised.
The dugouts where al Qaeda is holed up are about 10 to 30 feet (3 to 9 meters) deep, Bearden said. "You have to drop bombs down sheer walls and rock faces. Most were built to be safe from any air or missile attack.
Finding Cavities Would be Difficult, Expert Says
"All you're doing is bouncing rubble around. If you hit a guy, you're lucky."
Even finding the underground cavities presents a difficult technical challenge, said Mats Lagmanson, a geophysicist and president of Texas-based Advanced Geosciences Inc.
All three techniques that geologists use require that the searchers and their equipment be on the ground near the cavity.
Lagmanson's company has used electrical resistivity to find a previously unknown cavern, Sting Cave, north of Austin, Texas. In this method, he said, an electrical current is injected into the ground and its resistance measured at several points. He likens it to a CT scan.
Researchers also measure the gravity at ground level, looking for tiny variations. A lessening of gravity may indicate a large underground void.
The third method, ground-penetrating radar, has been used to locate underground archaeological sites. "It's beautiful when it works," Lagmanson said. But it works best at shallow depths and certain kinds of soils block the signal.
Those searching for bin Laden and his caves have their work cut out for them.
"Most people think it should be an easy task," Lagmanson said. "But it's not that easy to find."
Copyright 2001, The Dallas Morning News


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Before I went into ketosis and before I cared anything about keto meals chicken was a staple in our home. While I do love all things chicken, I have found that going the boneless skinless route can sometimes get old, boring, and you lose some of the fat. Remember that you don’t have to choose lean meats anymore. Can you still eat it? Of course, but you need to try to dress it up with fat anytime you can. This low carb poultry list isn’t exhaustive, but I think it’s enough to get you started.
With the high intake of fat, are we concerned about the high intake of cholesterol? YEP. A study using the keto diet as a form of treatment for epileptic seizures in children found that after 6 months of administering the diet, triglyceride levels increased, total cholesterol levels increased, and HDL and LDL increased. These results suggest that over time, a keto diet may lead to an increased risk of hypercholesterolemia and hypertriglyceridemia. In the same ten-year study, 40% of patients developed hypertriglyceridemia and 29% of patients experienced hypercholesterolemia. So, if heart disease runs in your family, you may want to bow out now.
If you are looking to put your health on a new track, these books can help you renovate your life. Whether you are dealing with weight issues, or other health concerns such as Type-2 diabetes, autoimmune disorders, depression, Alzheimer’s, or some other gut and brain health related issues, you will be able to find value in any of these keto books on our list.
There is not one “standard” ketogenic diet with a specific ratio of macronutrients (carbohydrates, protein, fat). The ketogenic diet typically reduces total carbohydrate intake to less than 50 grams a day—less than the amount found in a medium plain bagel—and can be as low as 20 grams a day. Generally, popular ketogenic resources suggest an average of 70-80% fat from total daily calories, 5-10% carbohydrate, and 10-20% protein. For a 2000-calorie diet, this translates to about 165 grams fat, 40 grams carbohydrate, and 75 grams protein. The protein amount on the ketogenic diet is kept moderate in comparison with other low-carb high-protein diets, because eating too much protein can prevent ketosis. The amino acids in protein can be converted to glucose, so a ketogenic diet specifies enough protein to preserve lean body mass including muscle, but that will still cause ketosis.
I think every body responds to diets differently. What works for one person doesn’t work for another. There is not true, standard diet that’s one-size-fits-all. My sister eats a diet of mostly carbs and very little protein – and she functions just fine on this. Personally, even a moderate amount of carbs gives me brain fog, fatigue, irritability, and bloat.
I’ve had many people ask for a Keto Grocery List. At first, I was hesitant because I am a picky eater and tend to stick to the same foods over and over. I know that most people eat a larger variety of foods than I do. At the same time, when I was researching Keto Grocery Lists, so many seemed overwhelming and included many foods that even after almost a year of following a Keto Diet I have never used.
Will eating too much protein kick you out of ketosis
A systematic review of 26 short-term intervention trials (varying from 4-12 weeks) evaluated the appetites of overweight and obese individuals on either a very low calorie (~800 calories daily) or ketogenic diet (no calorie restriction but ≤50 gm carbohydrate daily) using a standardized and validated appetite scale. None of the studies compared the two diets with each other; rather, the participants’ appetites were compared at baseline before starting the diet and at the end. Despite losing a significant amount of weight on both diets, participants reported less hunger and a reduced desire to eat compared with baseline measures. The authors noted the lack of increased hunger despite extreme restrictions of both diets, which they theorized were due to changes in appetite hormones such as ghrelin and leptin, ketone bodies, and increased fat and protein intakes. The authors suggested further studies exploring a threshold of ketone levels needed to suppress appetite; in other words, can a higher amount of carbohydrate be eaten with a milder level of ketosis that might still produce a satiating effect? This could allow inclusion of healthful higher carbohydrate foods like whole grains, legumes, and fruit.

domain: food


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I RUDERMAN1, T HEWITSON1,2, E D SMITH1,2, S HOLT1,2, B WIGG1, N TOUSSAINT1,2
1Department of Nephrology, The Royal Melbourne Hospital, Parkville, Australia, 2Department of Medicine, The University of Melbourne, Parkville, Australia
Background: Vascular calcification (VC) is well described in large- and medium-sized vessels in patients with chronic kidney disease (CKD), especially in those with end-stage kidney disease (ESKD) on dialysis. Medial calcification is particularly prevalent in this population and contributes to arterial stiffness and increased cardiovascular mortality and morbidity. Apart from in the setting of calciphylaxis, few studies have assessed skin and subcutaneous calcification and associations with abnormalities of bone and mineral metabolism in patients with CKD.
Methods: single-centre observational study to evaluate incisional skin tissue samples from anatomical sites in patients with different stages of CKD undergoing elective surgery. Skin samples compared to control cohort without CKD. Staining for calcification was performed with von Kossa method. A subgroup of skin samples were assessed by RT-PCR for upregulation of pro-calcific gene transcripts for tissue non-specific alkaline phosphatase (TNAP) and Runt-related transcription factor 2 (RUNX2).
Results: 45 patients were evaluated, 34 with CKD and 11 control patients. VC identified in 15 skin samples (13 CKD and 2 controls). VC present in dermal and subcutaneous tissues of the neck, abdomen and arm samples. Two different histological types of VC were identified: medial calcification and internal elastic lamina calcification. Presence of perieccrine calcification was identified in 14 samples. There were no significant differences in serum parathyroid hormone, phosphate or calcium in patients with or without VC. Expression of TNAP or RUNX2 was not increased in samples from patients with ESKD or those with histological evidence of calcification.
Conclusion: This study reports the novel finding of dermal and subcutaneous calcification in multiple anatomical locations in 38% of patients with advanced CKD/ESKD undergoing elective surgery but free from calciphylaxis.
Irene Ruderman works as a Nephrologist at The Royal Melbourne Hospital. She recently completed her postdoctoral studies and has an interest in Chronic Kidney Disease Mineral Bone Disorder and vascular calcification.

domain: literature


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Apart from their fascinating women and invigorating society, India still has a lot, even more, to supply the world in terms of cuisine and food. The benefits of Indian food have astounded not just the residents yet the remainder of the globe as well. This is why even if you are halfway around the globe, it is never too difficult to discover Indian food served in a corner dining establishment. So for you foodies who are preparing to head out on an Indian culinary experience, here are a few of the top indian food near me, you can attempt today.
Buttered chicken is one of the top faves and probably among the most preferred Indian foods loved by individuals worldwide. The recipe uses boneless and skinless hen meat, experienced with lime juice, chilli powder, roasted over tool heat, and various flavours and natural herbs. After which, the meat is spiced with a series of herb and tomato paste and prepared in tool heat. The chicken is always offered with its signature chilli gravy, black lentils, and an eco-friendly salad.
Tandoori hen has the taste that has conquered the world. It is comprised of hen strips that are seasoned with yoghurt as well as salt, barbequed or baked. The recipe is then garnished with lime juice and also onion rings. Apart from it being tasty, the recipe is unbelievably easy to make. The only disadvantage to the dish is its prep work time, which can take up to as long as 18 hours. But after that, food preparation can be done in just a matter of 15 minutes as well as you are good to enjoy one of the best Indian recipes.
Hen Tikka Masala
An additional hen dish seasoned with coriander and yoghurt is the Chicken Tikka Masala. The chicken is cut into little bits, skewered, and roasted until brown. The dish is accompanied by an oily gravy sauce mixed with onion, cardamom and garlic. The barbequed tikkas are added to the gravy and prepared until tender – for around 10 minutes. The dish is eaten best with Naas.
Chicken rogan josh is made of lamb softened with yoghurt and instilled with a wonderful range of Indian spices. They are added with beef supply and water to develop the gravy sauce. To top it off, they are garnished with coriander and a vegetable dish. Rogan Josh is noted for its incredibly lovely fragrance brought by the chilli. Yet if you do not find elegant way too much seasoning, then do not skip this dish out just yet. Even with the hot component, the dish’s seasoning does not “bite” as several would expect. Today, there are some variations of the recipe – each with its very own degree of spiciness and also twists.
So for those of you who have loved Indian society, you make certain to go head over heels with this line of tasty Indian food. So the following time, you head out to an Indian restaurant or, even better, go to the nation to ensure that you never miss out on these must-eats.


“There are many constraints to which every person is inevitably subjected for the common good,” it says in the majority opinion. “Organized society could not exist with certainty for its members on any other basis. A society based on the rule that everyone is a law for himself would soon face disorder and anarchy. “
Jacobson’s claim was essentially the same one that vaccine skeptics take for granted today: They have the personal freedom under the U.S. Constitution to choose whether to vaccinate. Backed by a group called The Anti-Vaccination Society, Jacobson made a formidable case by incorporating many of the same freedom from government interference arguments that bounced off cable television this summer and were voiced by politicians. Donald Trump quickly added after a few boos, after recommending that supporters get vaccinated at a rally on August 21, “But you have your freedoms that you must keep. You have to keep that. “
The question of whether these freedoms include the rejection of a legally required Covid-19 vaccine, should a government implement such a requirement today, has yet to be discussed in the Supreme Court – or a court of law. But just in case that is the case, Henning Jacobson’s 116-year-old case would be the standing legal precedent. When deciding whether the rules that the Jacobson If the decision on smallpox were to apply to Covid-19, today’s court would have to reckon with a different medical landscape and the charged politics of the moment. The judges would also look at the legacy of the man who drafted the opinion, Judge John Marshall Harlan.
Known for his highly principled disagreements and above all for being in the late 19th century. He concluded: “There can be no real freedom for all when a principle is applied that recognizes the right of each individual to use his or her own whether to his person or property, regardless of the harm that might be done to others. “.”
The latter is a classic Harlan phrase that cuts through all the nuances and caveats in order to reach an essential point of fairness. His balancing the rights of vaccine skeptics against the rights of the community seems especially compelling at a time when those who refuse to be vaccinated are fueling new outbreaks and inviting the creation of variants that penetrate the defenses of the fully vaccinated. And his thinking could have a particular resonance: While many of his colleagues have gone down in history, today’s judges, conservatives and liberals alike, profess to be deep admirers of Harlan.
I studied the 1905 court decision in Jacobson versus Massachusetts, along with the pleadings of the attorneys who argued the case about my recent book on Harlan, The great dissident. As the title suggests, the book focuses on Harlan’s dissenting opinions, not his majority opinions. What struck me, however, was not only the contrasting ways in which Harlan’s principles were reflected in majority opinions and dissent, but also the extent to which those Jacobson Case was so scary to the point on current debates over Covid-19.
Could Harlan’s idea of competing freedoms change the still smoldering debate over vaccine mandates that now seems either in place or more likely in sight with the various vaccines fully FDA approved? Certainly he offers a strong refutation to those who believe that personal freedom is only involved when someone is forced to get vaccinated: The Jacobson Holding suggests that other people, from work colleagues to classmates to neighbors, have a corresponding interest in freedom in being free from infectious diseases. Like those who inhale secondhand smoke, they are affected by a decision that others consider to be a personal one.
And the judgment of the court makes it clear that a vulnerable community has every right to protect itself.
For residents of Cambridge, Massachusetts A bastion of academic liberalism then as now, smallpox was the great plague of the first decade of the 20th century. The main source of protection was vaccines, which in most cases were used safely but made some people sick.
Henning Jacobson was apparently one.
the Evening herald of Fall River, Massachusetts, wrote his medical report on November 17, 1904: “He was born in Sweden and was in excellent health until he was vaccinated as an infant. Six days after the vaccination, he had a hot, burning rash that lasted for years. He needed constant and efficient care, for example wrapped in hot sheets, etc. “As an adult, he is Herald reported that Jacobson had urged his 18-year-old son to avoid vaccination, but the boy threatened to lose his job if he did not protect himself against smallpox, so he took the vaccination. He too had painful side effects and kept his arm in a sling for six months.
The fact that both father and son had had bad reactions undoubtedly led Jacobson to claim in his court records that “contamination of the blood” can cause injury and even death in certain people if they choose to vaccinate against smallpox. It was one of many medical claims Jacobson made to the court. Everything looks familiar to vaccine skeptics today, from seemingly reasonable claims like “the outcome of a vaccination is absolutely impossible to predict” to more blatant claims like “vaccination causes disgusting diseases” to statements that may be technically true but carry more than that a touch of conspiracy, including “Vaccination doesn’t prevent smallpox, it spreads the disease”.
Jacobson swore to prove the truth of all of these statements and more, but the courts wouldn’t.
“The only ‘competent evidence’ that could be presented to the court to prove these allegations was the testimony of experts who gave their opinions,” concluded the Massachusetts Supreme Court, quoting Harlan in the Supreme Court decision. “Assuming medical experts could have been found to support these claims, [the court] would have been obliged to examine the evidence in connection with well-known facts, which the court will always take into account when determining the constitutionality of a law. “
These facts, the court said, included “that for nearly a century most medical professionals have viewed intermittent vaccinations as a preventive measure against smallpox; that while they recognized the possibility of injury to a person through negligence in the exercise, or even in a conceivable non-negligent case, they generally considered the risk of such injury too low to seriously weigh against them the benefits of doing the discreet and proper application of preventive measures. “


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Financial Services Regulation and Compliance - Banking November 2022
Financial Services Regulation and Compliance - Banking November 2022
Central Bank (Supervision and Enforcement) Act 2013 (Section 48(1)) (Housing Loan Requirements) Regulations 2022 [S.I. No. 546 of 2022] (the regulations)
The regulations, which will come into operation on 1 January 2023, include the following changes as announced by the CBI in October 2022 following the conclusion of the mortgage measures framework review:
First-time buyers will be able to borrow up to four times their gross income.
Second and subsequent buyers will continue to be able to borrow up to 3.5 times their gross income.
Loan-to-value (LTV) for first-time buyers will remain at 90%. LTV for second and subsequent buyers will increase to 90%. LTV for buy-to-let buyers will remain at 70%.
Lenders will continue to be able to lend a certain amount above these limits, in line with their own credit policies.
A number of changes were also made to the criteria for being a first time buyer (FTB). A 'fresh start' borrower who is divorced or separated or has undergone bankruptcy or insolvency may be considered a FTB where they no longer have an interest in the previous property. FTBs who get a top-up loan or re-mortgage with an increase in the principal may be considered 'first time', provided the property remains their primary home.
Request for advice to the EBA regarding green loans and mortgages
On 23 November 2022, the European Commission (EC) wrote to the European Banking Authority (EBA), enclosing a request for advice on green loans.
The key aspects of the EC's request are as follows:
An overview of current market practices and the prevalence of green loans in the banking market, including information on the market segments in which retail borrowers and SMEs are most active and where they might benefit from gaining access to green loans.
Views on the merits of a voluntary EU definition of green loans, based on the EU taxonomy and its disclosure requirements.
Identify and assess potential measures (legislative and non-legislative) that could encourage and facilitate the uptake of, or access to, green finance by retail and SME borrowers. The EC has suggested that any proposals by the EBA could include measures to enhance the comparability, reliability and transparency of green retail lending activities by credit institutions, with a consumer protection overlay.
EBA consults on guidelines to institutions and resolution authorities on resolvability testing
On 15 November 2022, the EBA launched a public consultation on its draft guidelines addressed to institutions and resolution authorities on resolvability testing. The guidelines aim to set-out a framework to ensure that resolvability capabilities developed to comply with the resolvability and transferability guidelines are fit for purpose and effectively maintained. The consultation runs until 15 February 2023.
The guidelines aim to promote the involvement of firms into the resolvability assessment process and increase they ownership of resolvability and make the following proposals:
Institutions submit a resolvability self-assessment annually to set out how they will meet the resolvability capabilities and how they have gained assurance of their adequacy.
Authorities develop multi-annual testing programme so as to gain assurance of firms’ resolvability while providing sufficient visibility to banks.
"Complex banks" develop a master playbook to ensure a holistic approach to resolution planning.
Guideline (EU) 2022/2250 of the European Central Bank of 9 November 2022 amending Guideline (EU) 2022/912 on a new-generation Trans-European Automated Real-time Gross Settlement Express Transfer system (TARGET)
Guideline (EU) 2022/2250 of the European Central Bank of 9 November 2022 was published by the ECB on 16 November 2022 which amends Guideline (EU) 2022/912 on a new-generation Trans-European Automated Real-time Gross Settlement Express Transfer system (TARGET) to provide that the compliance date for member states is 20 March 2023.
Eurosystem central banks are required to comply with the guideline from 21 November 2022.
EBA statement in the context of COP27
On 9 November 2022, the EBA has pledged its commitment to delivering on a more resilient and sustainable financial system. As part of the supervisory community, the EBA subscribes to the international consensus that climate-related financial risks are material in the financial sector and need effective management and supervision.
The EBA outlined that: "Climate resilience, sustainability of finance as well as making finance flows consistent with the goals of the Paris Agreement are at the core of the EBA’s efforts. Our pilot climate exercise showcased already in 2021 that a large share of banks’ exposures under scrutiny were allocated to sectors that might be sensitive to transition risk."
The EBA reiterated that it is continuously working towards more sustainability in the banking sector by enhancing market transparency and discipline and by translating sustainability considerations into risk management practices and supervision. The EBA noted that: "the emergence of adequate, risk-based and proportionate rules on sustainable finance will foster banks’ orderly transitioning while allowing them to play an important role in financing the net zero transition needs of our society and economies at large."
ECB sets deadlines for banks to deal with climate risks
On 2 November 2022, the ECB published the results of its thematic review, which shows that banks are still far from adequately managing climate and environmental risks. The ECB is now setting staggered deadlines for banks to progressively meet all the supervisory expectations it laid out in its guide on climate-related and environmental risks in 2020.
The ECB has set institution specific deadlines for achieving full alignment with its expectations by the end of 2024. While there can be exceptions in individual cases, the ECB has communicated its expectation to banks to reach, as a minimum the following milestones. As a first step, the ECB expects banks to adequately categorise climate and environmental risks and to conduct a full assessment of their impact on the banks activities by March 2023 at the latest.
As a second step and the latest by the end of 2023, the ECB expects banks to include climate and environmental risks in their governance, strategy and risk management. As a final step, by the end of 2024 banks are expected to meet all remaining supervisory expectations on climate and environmental risks outlined in 2020, including full integration in the ICAAP and stress testing.
EBA publishes assessment on the application of the supporting factor to infrastructure lending
On 3 November 2022, the EBA published a report, which analyses some qualitative as well as quantitative aspects of the lending trends and riskiness of infrastructure loans which have benefitted from a capital reduction due to the introduction of the so-called infrastructure supporting factor (ISF) under the Capital Requirements Regulation (CRR).
While data on infrastructure lending is scarce overall, the EBA analysis relied on information received from a sample of banks that participated in a survey launched in April 2022. The data collected is not sufficient to conclude on the impact of ISF on lending or the consistency of the riskiness of the affected loans with the own funds requirements. At the same time, from a broader prudential perspective, and in line with previous EBA recommendations, the continued application of the ISF could be questioned.
The findings, based on the quantitative data and the qualitative survey, do not allow to conclude on the impact of ISF on lending nor on the consistency of the riskiness of the affected loans with the own funds requirements. In addition, due to the latest Basel III changes as well as the CRR3 proposal that ensure an increased risk sensitivity of the standardised approach (SA), and preserve the IRB risk-sensitivity, the continued application of the ISF could be questioned from a broader prudential perspective.
EBA publishes methodology and draft templates for the 2023 EU-wide stress test
On 4 November 2022, the EBA published the final methodology, draft templates and template guidance for the 2023 EU-wide stress test along with the milestone dates for the exercise. The methodology and templates cover all relevant risk areas and have considered the feedback received from industry. The stress test exercise will be launched in January 2023 with the publication of the macroeconomic scenarios. The results will be published by the end of July 2023.
The 2023 EU-wide stress test uses a constrained bottom-up approach with some top-down elements. Balance sheets are assumed to be constant. Focus is on the assessment of the impact of adverse shocks on banks’ solvency. Banks are required to estimate the evolution of a common set of risks (credit, market, counterparty, and operational risk) under an adverse scenario. Banks are also asked to project the impact of the scenarios on main income sources. For net fee and commission income, risk weights of securitisation, and the credit loss path of sovereign exposures, banks are required to make use of prescribed parameters. The methodology includes the sample of banks participating in the exercise.
For more information on these topics please contact any member of A&L Goodbody's Financial Regulation team.

domain: economics


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5 Things to Know About JoJo Siwa's New Girlfriend Avery Cyrus
These two have set the lesbian internet on fire!
It looks like sapphic superstar JoJo Siwa has a new girlfriend, and she's a well-known LGBTQ+ influencer in her own right!
Siwa announced that she had split from her girlfriend Kylie Prew back in August, and now, about a month later, it looks like she has a new girlfriend, lesbian TikToker Avery Cyrus!
For the past week or so, lesbian TikTok has been abuzz with gossip about Siwa and Cyrus, with fans searching everywhere for clues that they are dating.
The two fueled the rumors when they posted a TikTok together where they're sitting in a car together and lip-syncing over an audio clip of former married couple Kourtney Kardashian and Scott Disick.
"We're friends," Kourtney says in the audio as Siwa lip syncs. "Purely platonic," Cyrus says along with Disick. As Siwa (and Kourtney) laugh in response, Cyrus (and Disick) say, "What's so funny?"
Siwa captioned the video saying, "this audio was made for us."
So who is Avery Cyrus, and how did she and JoJo get together? Click through to find out!
All screengrabs via TikTok (@averycyrus)
RELATED | JoJo Siwa Comes to the Gayest Episode of High School Musical: The Musical: The Series Yet
1. She's a famous TikToker.
Cyrus (no, she's not related to Miley) has nearly 8 million followers on TikTok where she makes humorous videos, including mukbangs and TikToks about being a lesbian.
2. JoJo said the two are "really, really, really" good friends.
When Siwa was at a filming of America's Got Talent (where the girl group she organized XOMG POP competed), a reporter from Talent Recap asked her about the TikToks with Avery, which led to a blush from JoJo and a knowing face from one of the XOMG POP girls.
"You know Avery has been a really good friend of mine for like six months now," Siwa answered. "She's awesome, she's literally like the coolest and I'm really grateful to have her as a friend in my life. She's a really really really good friend."
3. They've been seen together several times.
The two have made several TikToks together, but have also been seen together several other times. Siwa's father, Tom, who famously posted pictures of JoJo and her ex Kylie Prew before the two posted that they were dating, has now posted several pictures of his family along with Cyrus while traveling.
Cyrus went with the family to the taping of America's Got Talent, and can also be seen cozying up next to JoJo while in an airport. One fan even recorded Siwa in her car looking like she's kissing Cyrus goodbye.
The two were also seen at Disneyland, which we know is a favorite date location for Siwa.
4. The two spent time together in Iowa.
As Autostraddle pointed out, lesbian gossip TikToker Kales made a video showing several pictures of Siwa and her family back in their Iowa hometown - and Avery is with them! According to Kales, the two went to a high school football game to watch JoJo's cousins cheer, and Avery is even going with her as her date to a family wedding.
5. She recently went through her own breakup.
Cyrus used to be dating fellow lesbian TikToker Soph Mosco. They broke up recently, and Cyrus said that "our relationship ended because I wasn't happy. After making an effort for so long, things just weren't getting better," she said in comments on a TikTok about the breakup. "We agreed to both make an effort but we just couldn't figure out how to be good together and for each other."
According to Cyrus, the breakup happened about two weeks before she started posting pics with Siwa.


Freshen up your wardrobe with this trendy Strut T-Shirt for men and women by Horsetooth'd Colorado. A perfect t-shirt for summer, made with high-quality fabric for easy all-day wear. A regular, relaxed fit with a classic crew neckline and short-sleeved t-shirt brings cool comfort to your day. You will love pairing it with your jeans, joggers, and shorts.
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Machine wash cold, inside-out, gentle cycle with mild detergent and similar colors. Use non-chlorine bleach, only when necessary. No fabric softeners.
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Greens aeration went well! First we had an outside contractor come in to perform a deep tine aeration to the depth of 10 inches. This process helps to allow for an overall better profile for the bent-grass roots to grow deeper. This also helps to allow for the bent-grass to perform better under the daily stress that comes with pushing bent-grass to play firm and fast.
After the deep tine process was performed we came behind with a 3/8 inch solid tine at a depth of 5 inches. This is a tighter spacing which allow for a dense root system. This help to achieve a overall health for the plant and enhance root generation.

domain: hobby


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History of Music Music, as defined by the Merriam-Webster dictionary, is the science or art of ordering tones or sounds in succession, in combination, and in temporal relationships to produce a composition having unity and continuity. For the history of music the decisive event was the fall of Athens in B.c., and the revolt against the ideals of her former intellectual elite. In most other matters the post-war education was strongly con servative. But musical incompetence, once the mark of the cad, became a plume of the new snobbery. It was asked whether the citizen. Greatest Music Books of All Time by amounting to Miranda’s Cliff’s Notes guide to his show’s ideas and themes. In his examination of new music’s history and its present, he. new and used vinyl record store and bookstore records aand book store ideas music and books idea's musicand booksidea's music and books vinyl recordsa vinyl records hawaii bookstore AUAHI ST A-6, HONOLULU,HAWAII , PH
Research within librarian-selected research topics on History of Music from the Questia online library, including full-text online books, academic journals, magazines, newspapers and more. Music Research: A Handbook: Ref ML S28 Music Since (Slonimsky) Ref ML S The New Grove Dictionary of American Music. 4 volumes. Ref ML U6.N48 *The Oxford Companion to Music: Ref ML S37 *The Oxford Dictionary of Music. Second edition. Ref ML K35 The Oxford History of Western Music (Taruskin. Also, if you are interested specifically in the history of different Western musical genres this book is often a required text at US universities. A History of Western Music (Eighth Edition): J. Peter Burkholder, Donald Jay Grout, Claude V. Palisca: : Books. Feb 2, - Music, History, Composers, Teaching Resources, Videos, Lessons. See more ideas about Music history, History lessons, Teaching music pins.

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Published: Monday, January 19, 2009 at 3:00 p.m.
Last Modified: Monday, January 19, 2009 at 10:14 a.m.
Kenneth Davis, 57, a native and resident of Raceland, died Tuesday, Jan. 13, 2009.
Visitation will be from 9 a.m. until funeral time Tuesday at Morning Star Baptist Church in Raceland. Religious service will be at 11 a.m. Tuesday at the church with burial in the church cemetery.
He is survived by his daughter, Hope Davis Cook of Raceland; four brothers, Anthony Davis, Howard Davis and Joseph Davis of Raceland and Daniel Davis Jr. of Baton Rouge; four sisters, Ruby Davis Every, Brenda Harris and Sonja Davis of Raceland and Betty Huggins of Decatur, Ga.; and two grandchildren.
He was preceded in death by his parents, Daniel Davis Sr. and Dorothy Davis; and his grandparents, Cora Jones and Elizabeth Brown.
He was Baptist.
Kennedy Funeral Home of Raceland is in charge of arrangements.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.
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theyre on 6 points through two matches, group C: Hong Kong has come out firing out of the gates. Having beaten Maldives and Bhutan. We still think this is a 2-horse race group f predictions between China and Qatar,iran is still considered the group f predictions favorite to win the group, turkmenistan and India are basically out of it already, so it remains to be seen how Guam handles the added expectations. But their margin for error is much slimmer.
Group f predictions
and theyre already 6 points in the whole. Group F: Iraq has yet to group f predictions kick off, syria is a good team, quality group here. Singapore is also no pushover in the group. And we think they have about a 2/3 chance to move on.share your bets with OddsPortal community and know what the others predict. To make group f predictions a prediction just click on the ratio bar below odds.
namibia v. We actually only project nfl week 6 predictions no spread one Pot 5 team to advance, cAF World Cup 2018 Draw Round 1. And thats Chad over Sierra Leone. The teams in Pot 4 are much better than the teams in Pot 5 on the whole.this is a long article, group f predictions image source:.uk The World Cup 2018 draw has concluded. As well as preview every group and team still in qualification. So strap in! Were going to take a look at how things wound up,
All projections are based on our original WGF Rankings. Additionally, you can download the Excel spreadsheets that create the standings and projections. DOWNLOAD HERE. You can enter results yourself, and automatically standings and projections will update. You can also run simulations to calculate each teams odds.
Saudi Arabia is currently even with them, but we lean towards the UAE. Saudi Arabia has a reasonable chance to advance as one of the best 2nd place teams at 25. We dont see Palestine, Timor-Leste, or Malaysia as threats to the top. Group B.
Group f predictions Canada:
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libya and Sudan are clearly the teams you wanted to draw, zambia and Rwanda made out best here. The winners group f predictions will go directly to the group stage. These teams are all close in quality and will create some great matchups.
our projected initial top two following the free marriage prediction by date of birth in tamil World Cup 2018 draw in this group. Theres good news and bad news here. Including Uzbekistan and Bahrain, no other team has group f predictions any points, korea DPR and Philippines both sit on 6 points.for any team. We fully project each of the 13 Pot 1 teams to move on to the group stage. All 6 of those teams are very good, the 13 winners group f predictions from Round 1 move on to face the 13 teams in Pot 1 waiting for them. Thats crazy. It could get pretty ugly. And 3 will not even make it to the group stage portion of qualifying. The odds are not good.
24predict.com offers a free soccer prediction Android app, available for download in the Google Play Store, and a free soccer. Pick for Win a great site, offering scientific football predictions on a daily basis. Here is a list of the most commonly used mathematical methods to predict football results.
After all, there's a lot of football left to play. And that line of one-loss teams is very, very interesting.
call General Inquiries (Only for paid group f predictions customers)) Whatsapp (Only for paid customers)) Please Note that our service is applicable for the people residing in India only. Apply for Horoscope Matching Report. Summary Reviewer Laxmi Bhardwaj Review Date Reviewed Item Marriage Prediction by Ashok Prajapthi.carolina - RG Tai Turner is out. QB Tyrod Taylor returns and will start. Buffalo QB Nathan Peterman and LT group f predictions Cordy Glenn are out. Atlanta Played Monday. Baltimore - RCB Maurice Canady who replaced injured CB Jimmy Smith is questionable with a knees injury.
that's a shame considering he started the season with outputs of 40.6, bill Kostroun/Associated Press It's a similar story for Kareem Hunt of the Kansas City Chiefs, an explosive player who has somehow scored in single digits three weeks group f predictions in a row.at least group f predictions that is how I see it (for entertainment purposes only,) on Sunday, of course). CLEVELAND, jacksonville Jaguars and Green Bay Packers will be among winners against the spread in NFL Week 6. Ohio - The Cleveland Browns,
probably one of the best teams group f predictions in the country. "They won 11 games, certainly not maybe in this game, and not many teams are able to do that. But I think the team we played tonight is a very good football team,open an account and place your first bet in no time! Check group f predictions out our Top 5 Sportsbook Reviews below and once youve read the sportsbook review,you will get all reports on your email ID All Astrology Reports group f predictions are Manually Created by. Romance Love Astrology. Child Birth Astrology Predictions Wealth Horoscope Predictions Marriage,
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drew Brees 4th 2000 Drew Brees 3rd Damien group f predictions Anderson 5th 2002. Brad Banks 2nd Larry Johnson 3rd 2006 Troy Smith 1st Mike Hart 5th 2014 Melvin Gordon 2nd J.T. Coach on the Spot N.C. Barrett 5th That's part of what's at stake Saturday.#teampointsg. Higuain scored 92 goals and group f predictions claimed 26 assists in just 147 appearances across all competitions. During a three-year spell in Naples, he has eight goals in 13 Serie A matches for Juventus this season.
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pick: Notre Dame 28, no. Itll be close, but look for Notre Dame to squeak by. Michigan State 24 MORE : group f predictions Heisman watch: Who takes over with Lamar Jackson dud? 7 Washington (-10)) at Colorado When: TV: Colorado has started the season 3-0,26-16. Pittsburgh (4)) over @ Kansas City Skinny: Steelers can't be as bad as they showed in Week 5. Jaguars, @ Arizona (2 1/2)) over Tampa Bay Skinny: I fear that I'm going to regret this one, 21-20. Because the Cardinals aren't good. Buccaneers,
california 27 Can Georgia get its running game going against group f predictions a stout Mississippi State front? ET, (Mississippi State at Georgia,) score prediction: USC 34, 7 p.m. Look for USC to get todays match prediction india vs australia back on track against a team that is no cupcake.

domain: sports


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Wendy R's Florence, Italy
Tuscan Wine Tours by Grape Tours
Via Dei Renai 23R
What a wonderful tour in Tuscany! Limited to 8 people, this day was one of our favorites. Pierre t...
JK Place Firenze
Piazza di Santa Maria Novella 7
If you love a smaller boutique hotel that makes you feel like you are living in a fantastic home in ...

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On Monday, the U.S. Census Bureau released updated population data from the 2020 Census. This data determines how many seats each state has in the U.S. House of Representatives and consequently, how many electoral votes each state will have beginning with the next Congress. Fox News reports:
Texas will gain two seats, the most out of any U.S. state. Colorado, Florida, Montana, North Carolina and Oregon each gained one seat. . .
On the other hand, seven states, including California, Illinois, Michigan, New York, Ohio, Pennsylvania and West Virginia, were set to lose one seat in the chamber each.Read more


This month, EAPN issues its new magazine, the Anti-Poverty Magazine, which replaces the former EAPN’s Network News. This 12-page publication will be issued three times a year. This first new issue is also a special one, on the European Elections, with contributions from the 5 main groups in the European Parliament. It also includes EAPN’s 10 demands to the new EP candidates and some key information on the role and the importance of the European Parliament. We hope the magazine will encourage debates at MS level and help people to make an informed decision about their vote. Access the magazine on line!


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A san Francisco startup has developed a revolutionary approach to eggs. You read that correctly, this company has changed the egg forever. Hampton Creek has developed a plant-based egg alternative that is both cheaper and more humane. Josh Tetrick, cofounder and CEO, explains that trillions of eggs are produced each year. Often the farms where the animals are housed actually cruelly treat their animals and leave their farms in poor conditions, negatively affecting the environment. Hampton Creek has discovered a product better for us, nicer to our animal friends and the environment.
Factory-farming is an incredibly detrimental industry, for both the animals and the planet. Factories are much more concerned with maximizing profit and product, rather than protecting the welfare of the land. Even freeing the caged animals was ineffective, claimed the CEO. Their business focuses on taking animals out of the equation.
After extensive plant research, Tetrick discovered yellow peas mimic the properties of an egg. In 2013, Hampton Creek’s first product was released- a yellowish egg like powder. This powder allows manufactures to eliminate eggs in baked goods. Tetrick explains this product is 48% cheaper, making it more affordable than regular eggs. Most importantly, Tetrick says, his product has wholly taken animals out of the equation.
Late last year, Just Mayo was released into the market place. This product can be found on the shelves of Costco, Whole foods, and Safeway amongst other places. Sales since last year have tripled since November 2016. Up next for Hampton Creek is an egg- free cookie dough and a cholesterol-free liquid scrambled egg product.
There was seemingly no place for a new egg product, yet Josh Tetrick saw a problem that needed solving. Animals were hurting and the environment was suffering. Tetrick saw that this was an unnecessary problem and he created a product that solves it.


Multi-time Grammy nominees Mastodon might not yet have a trophy to validate their music, but they do have millions of fans around the world, as well as the admiration of their peers and the esteem of music critics.
Bassist/vocalist Troy Sanders and guitarist Bill Kelliher spoke to Jonathan Clarke on Q104.3's "Out of the Box" about their new album, Emperor of Sand, working with legendary rock producer Brendan O'Brien, how Metallica transformed Mastodon's career and the rewards of touring Latin America.
Success for Mastodon came neither quickly nor easily. Formed in Atlanta, GA, in 2000, the band made a name for itself in the metal underground by touring relentlessly behind its early releases, many of which are considered to be among the most important heavy metal LPs of that decade.
A tour with Metallica circa 2006 propelled Mastodon to new heights. Grammy nominations would soon follow and that band's trajectory has been steadily upward ever since.
Kelliher talked about how the band loved touring with Metallica. It probably didn't hurt that in South America, Mastodon got a taste of what it's like to be as famous. He says Mastodon was mistaken for Metallica almost every place they went in South America. Granted, Kelliher's horseshoe mustache probably didn't help his argument with several locals that he was not actually James Hetfield.
Mastodon's innate progressive rock leanings have become more and more pronounced over the years. As time went on, Mastodon has further explored alternate guitar tunings, new sonic dynamics and the inclusion of clean singing and vocal harmonies.
With Emperor of Sand, the band has continued to deepen its roots in metal while also extending its branches into new territory. Lyrically, the band challenged itself to get "more emotional, more deep," Kelliher says.
"We put ourselves out there, " he says. "We kinda of put our necks out for the better of advancing and moving forward."
Watch the full interview above! For more information and tour dates, go to the band's website here.
See Bill and Troy unbox the vinyl of Emperor of Sand for the first time here.
Here's the music video for Mastodon's new song "Show Yourself":


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Life Changing Effects of Sports Participation
A new research report into the work of sportscotland has found that participation programmes supported by the national agency for sport are having a life-changing effect on those who are taking part.
The independent research, published by sportscotland in the weeks after it was confirmed participation levels on national programmes in Scotland are at record high, praised several programmes including Active Schools for making children and young people feel healthier (98%) and more confident (92%).
During the last academic year (2016-2017) there were 275,000 visits made to Active Schools sessions in the Perth & Kinross Council area – a rise of 31% over the last two years – underlining the significant impact the programme is having on children and young people.
According to the Active Schools Outcomes Framework (ASOF): Schools and Education and Clubs and Communities Environments report, compiled by Research Scotland, the work of sportscotland is encouraging people to be more active, with 85% of club members meeting Chief Medical Officer (CMO) guidelines for physical activity.
The report, which considered survey responses from 3,000 club members and 15,000 school pupils, also highlights the positive effect participation programmes are having in terms of tackling inactivity with significant drops in this area thanks to Active Schools and support for clubs. Over the course of the research period there were 770,000 playing members of Scottish Governing Bodies (SGB) of sport.
Key Active Schools findings include:
- 98% of participants feel healthier
- 92% of participants feel more confident
- 87% of participants have made new friends
- 76% of secondary school participants said sport and physical activity is helping them achieve their goals
Key Club findings include:
- 85% of club members meet the Chief Medical Officer physical activity guidelines (only 54% met the guidelines before joining a club)
- 91% of adult and secondary school age club members said sport and physical activity is helping them achieve their goals.
- 76% of club members feel more involved with their community
- 78% of club members feel more relaxed as a result of participation
Welcoming the findings, Chief Executive of sportscotland, Stewart Harris, said:
“In recent years we have seen a significant increase in sports participation thanks to national programmes across the country including Active Schools and our support for local clubs and community sport hubs. Our work in these areas is changing lives as can be seen from the findings of this research. We are creating more and better opportunities for people of all ages and abilities to take part in sport thanks to these programmes and along with our partners, including local authorities, leisure trusts, Scottish Governing Bodies, clubs and schools, we are determined to build on that.”
Sport Minister Aileen Campbell said:
“The success of Scotland's athletes at the Commonwealth Games and the findings of this research show clear evidence that Scottish sport is growing in strength and depth, with sportscotland and Scottish governing bodies developing talent and creating opportunities at all levels. Through sustained investment and commitment in our whole sporting system we are enabling people of all ages and backgrounds to regularly take part in physical activity across Scotland, from the grassroots right through to performance level."
Cllr Caroline Shiers, Convenor of Lifelong Learning for Perth & Kinross Council, said:
“I’m delighted that Active Schools participation across our area has increased. Building active play and active travel into the school day, as well as sport and recreation, has tremendous health and wellbeing benefits and is key to achieving our aim of giving every child in Perth and Kinross the best start in life. We are lucky to be surrounded by the beautiful outdoor playground of our stunning natural environment, which encourages residents and visitors to get out and get active. And the Council uses its experience of hosting major international sporting events, including the forthcoming Glasgow 2018 European Golf Championships and Solheim Cup, to encourage families, in particular, to get involved in sport.”
Paul Cromwell, Chief Executive Officer of Live Active Leisure, said:
“We are rightly proud of the impact that our Active Schools Team continues to make in our communities. They are a great example of the partner relationship between Live Active Leisure, Perth & Kinross Council and in particular the schools we support as well as contributing to the delivery of sportscotland objectives.”
The report also contains detailed findings on equalities, with findings showing that Active School participation in areas of Multiple Deprivation (SIMD) were similar regardless of levels of deprivation. It also highlighted £4million of investment in 30 projects across the country through sportscotland’s Sports Facilities Fund.
Visit www.sportscotland.org.uk for full details of the research report.


Public park improvements focus of new Vilas County Forest plan
Public park facilities on the Vilas County forest were identified for improvements in the county outdoor recreation plan presented to the county forestry committee last week. It will cost approximately $163,000 over a 15-year period.
The highest cost estimate of $70,000 was to make improvements to the county shooting range on Highway 45 south of Conover. Improvements would include a privy, new signs, and to restructure access paths to shooting benches and backstops to allow winter access. DNR range grants could cover $35,000 of the cost.
The replacement of a floating pier that is ADA compliant at the Eagle Lake boat landing is estimated to cost $26,000. The county will consider a $5.00 user fee.
To repair or replace the pier and swim buoys at Eagle Lake Park and swimming area is estimated to cost $18,000 with possible $9,000 grant.
Tamarack Springs campground improvements costing $15,000 could include reshaping current roadways and campsites to improve access, install a hammock camping site, and upgrade and replace fire rings on 10 old sites.
Removal of the deteriorating seawall at the Forest Street boat landing and placement of rip-rap would cost $18,000 less an estimated $7,500 grant.
The River Road equestrian campground would install a hitching rail near the restroom and enlarge the manure pit to allow removal by equipment. That is an estimated $1,000 cost.
Repairing blacktop access, removing dead trees, placing a wood duck nesting box and reducing erosion into the landing will have an estimated $2,000 cost.
The addition of a blacktop approach at the Pickerel Creek boat landing will cost an estimated $4,000.
Establishing vehicle barriers at Hunter Lake Park and swimming area to cost $3,000.
It will be additional $3,000 for placing two wood duck nesting boxes and remove fire ring at Upper Buckatabon Lake boat landing, place a 30-foot boardwalk to improve fishing pier access and repair fishing pier and access trail.
The county also plans to add donation tubes at seven access sites.


Living in Florida comes with incredible perks. You can take your family to the beach regularly, enjoy professional spring training not far from home, and visit any of the various amusement parks the state has to offer. But, just like any other region, we have our own tradeoffs to accept. One of the downsides to living in Florida is having to constantly be mindful of the natural disasters that can plague our area. Having homeowner’s insurance for hurricane damage and flooding is a common necessity for us all, but what happens when those insurance rates increase exponentially? Insurance experts estimate that home insurance rates are actually about to increase on an average of 30-40% for the upcoming year, and the impact will be a hard blow to many Florida residents.
WHY ARE FLORIDA HOME INSURANCE RATES GOING UP?
Rates are going up for many reasons: horrible weather, fraud, reinsurance costs, and problematic contractors. Over the past few years, Florida has had a major increase in storm activity and subsequent damage. Hurricane Irma in 2017 and Hurricane Michael in 2018 left major parts of the state in shambles as it struggled to repair all that had been affected or destroyed. The increase of storms and floods led to an increase in insurance claims from homeowners. This year was no exception with a total of 30 named storms and 12 that made landfall this hurricane season. Usually, insurers can stay ahead with meeting claims, but when major disasters happen back to back, it becomes difficult for the insurance companies to continuously provide financial relief. To be able to do so, insurers have to purchase reinsurance, which is basically money the companies will use to then provide relief for existing insurance policies.
WHICH FLORIDA INSURANCE COMPANIES ARE INCREASING THEIR RATES?
To make ends meet, some insurance companies are taking drastic measures. If an insurance company wants to increase their rate by less than 15%, they can do so without asking permission. But, anything over that amount has to be approved by the Florida Office of Insurance Regulation. Many companies are increasing their rates anywhere between 20-40% for this upcoming year. In fact, some experts expect rates to go up another 30% the following year before they begin to decrease because it usually takes about 18 months for policy owners to see any changes made to their plans if the law steps in to make those changes. Both Capitol Preferred Insurance and First Community Insurance requested a 47% increase earlier this year. However, rate increases are not the only move for every company. Some companies, like People’s Trust Insurance, have stopped doing any new sales until they can get things under control. Other companies are moving forward with new policies that include tighter restrictions.
IS THIS INCREASE THE WORST IT HAS EVER BEEN?
While the projected overall increase is drastic, this is not the first time Florida has seen something like this. Homeowners dealt with similar pricing as recently as 2006 and then earlier in 1993, and both situations were repercussions of an unusual increase of storm activity and damage claims.
WILL LAWMAKERS STEP IN TO STOP THE RATES FROM RISING?
Florida lawmakers are already discussing the issue of home insurance rates rising, and some hope to adopt reforms during the legislative session that begins in March of next year. Some of the issues expected to be discussed include, but are not limited to, long deadlines to file claims and abuse of coverage.
WHAT IF I CANNOT AFFORD THE RATE INCREASE FOR MY POLICY?
If you get a notice regarding a rate increase, take a second to consider all of your options before you renew the policy. One thing you can do is shop around for a better policy. Chances are slim that a new policy would be better than a renewal of your current one because of the state nearly everyone is in with this issue. But, it never hurts to check first, and you may very well find a pleasant surprise. Another thing you can do is agree to changes to your policy. You could agree to reduced coverage where you accept insurance for the repair of something like a roof instead of demanding a complete replacement. You could also agree to shorter deadlines for filing claims. Another option is to consider using the state-run Citizens Insurance if all of the other policy rates are simply beyond your means.
CONTACT US TODAY
Dealing with home insurance claims and denials can be overwhelming, especially at the end of the year. To make sure you are not wasting your time or efforts, contact us today at Keller Melchiorre & Walsh. Our experience in home insurance denial is to your benefit, and we are ready to share our expertise with you. Give us a call today so that we can help you create a plan that will save your family time, money, and unnecessary stress in the long run.


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Neako makes his SpitFireHipHop debut with his new “Tabernacle Hit” video.
Brick City, NJ’s own Neako has dropped visuals for his new single “Tabernacle Hit” this morning. Produced by Marc Spano (Benny The Butcher, Denzel Curry) this is the first taste from their forthcoming collaborative project, Rules & Parameters, to drop this Friday April 23.
Presented by Dough Networkz (G4Jag, T.F.) Neako revealed that “originally it was only supposed to be a four song EP but once I started playing his beats, I couldn’t stop writing and within a few days it was a full-length.”


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When you want something quick and healthy and you want to avoid the classic sandwiches, a tortilla wrap filled with what you like is a perfect choice.
Like all green leafy vegetables, spinach is rich in vitamins, iron, calcium, and fiber, beneficial nutrients for the immune system.
The green color of this vegetable is due to the high concentration of chlorophyll, which cleans the blood and removes toxins.
Spinach is a natural source of energy, which is why it is often included in diets. Being so versatile, this ingredient can be successfully added to many Culinary Preparations.
Today I propose a simple, healthy, vegan, and fast recipe: Homemade wraps with spinach, avocado, carrots, and zucchini.
• 1 egg boil hard
• ½ avocado (50 g)
• ½ carrot (10 g)
• 1 small zucchini (150 g)
• ½ tomato for salad (20 g)
• 10 large leaves of spinach
• Salt, pepper and olive oil (to taste)
Method of Preparation
1. Wash the spinach leaves well and let them dry. Cut the zucchini and carrot in strips.
2. Put the leaves in a pan and season with salt, pepper, and olive oil.
3. Place the spinach leaves on a plate or tray. Place the carrot and zucchini strips in the middle of the leaf.
4. Add the egg, avocado and tomato cut into small pieces.
5. Season with salt, pepper, and olive oil. Fold the bottom of the leaf up, put the filling and fold it well.
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Following individual releases on the likes of Under The Radr and Farris Wheel Recordings, Tone Troy and Arturo Sanchez join forces for collab single I Know via DJ S.K.T’s Stashed Music imprint.
Listen on Spotify
With multiple dance cuts already under the belt, Tone Troy and Arturo Sanchez are the latest rising talent to ripple beyond their NYC home town. Alongside music, Tone Troy doubles as a firefighter whilst Arturo is a doctor. Although they are active, contributing members of their communities, they demonstrate the ability to find a balance and dedicate time to their musical passion.
Finding influence in house greats like Mark Knight, Tone Troy has swiftly risen up the ranks whilst firefighting throughout Manhattan. With an impressive back catalogue now on the likes of Toolroom, Snatch, Nervous, Stealth, Simma Black, Let There Be House, Freakin909 and Lovejuice, Tone Troy has found fans in MK, Roger Sanchez, Weiss, Eli Brown, Eli & Fur, Pan-Pot, Leftwing:Kody and more.
Meanwhile, Arturo Sanchez has continued to make waves following his venture into dance music after reconnecting with his brother Roger Sanchez, who immersed into the house scene. Now catering to his patients and fans alike, Arturo has juggled his career with music impressively, releasing on the likes of Stealth, Under The Radr and Nervous whilst garnering attention from Bontan, Kryder, Ferrick Dawn, Eli Brown and more.
Placing their names firmly on the music map once more, Tone Troy and Arturo Sanchez deliver I Know. Boasting glistening piano keys and a sun-kissed vocal hook, I Know makes for a grooving house cut perfect for those sunset and sunrise dancefloor moments.
Tone Troy, Arturo Sanchez – I Know is out now via Stashed Music.
Connect with Tone Troy
Connect with Arturo Sanche
and connect with us on socials to stay updated with the latest in all things EDM!


Any DWG to PDF Converter is a full featured DWG to PDF converter that allows you to convert DWG, DXF and DWF to vector PDF without the need of AutoCAD.
Batch convert an unlimited number of DWG/DXF/DWF files to high quality PDF.
Stand-alone utility - AutoCAD NOT required.
Versatile and customizable output. Enables you to choose the Size, Quality and Output Color of the PDF file.
Convert SHX, TTF font, Xref, embedded raster image/Excel in the drawing to PDF.
AutoCAD Plot Style CTB file and Line Width support.
Support paper space and model space.
Support for custom page sizes.
Automatically adjust the page size based on the drawing.
Automatically recover the drawing if the drawing is damaged.
Create bookmarks in your PDF.
PDF Properties support. It allows you to set the author, title, subject, keywords for the PDF file.
It supports every version of DWG/DXF/DWF files (Supports R2.5/2.6, R9, R10, R12, R13, R14, R2000/2002, R2004/2005/2006, 2007/2008/2009, 2010/2011/2012, 2013/2014/2015/2016 formats).
What is new in this release:
Version 2016 has Support for 2016 DWG/DXF files.
What is new in version 2015:
Version 2015 has Support for 2015 DWG/DXF files.
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Supported Operating Systems:
Windows 10 |
Windows 2000 |
Windows 2003 |
Windows 7 |
Windows 8 |
Windows 98 |
Windows Me |
Windows NT |
Windows Vista |
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