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Best chequing accounts in Canada
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Updated: January 29, 2024
A chequing account is a type of bank account that allows you to manage your personal cash flow on a regular basis. Chequing accounts are a vital part of a healthy financial life and usually supports functions like ABM transactions, electronic deposits for your salary, bill payments, and money transfers.
Although every bank offers slightly different features in its chequing accounts, some are more or less standard, such as ABM transactions, teller transactions, online or telephone bill payments, paper cheques, a debit card for making purchases online and in brick-and-mortar stores, and Interac e-Transfers.
Most chequing accounts offer little to no interest, with some rare exceptions. They’re generally designed to make it easier for you to oversee money as it comes in and out of your possession, not to save money for long-term growth.
Best chequing accounts in Canada
Canada’s Big 6 banks all offer attractive chequing accounts, and today a number of online-only accounts are giving the big players a run for their money. These are the best Canadian chequing accounts that we recommend, based on our research.
** No monthly account fee by maintaining a minimum daily closing balance of $5,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account
1 Conditions apply. Actual interest rate will vary based on the savings period (the Premium Period) that applies. Visit scotiabank.com/mpsa to learn more.
2 Conditions apply. Visit here for full offer details.
Best chequing account from Scotiabank
$350* Welcome Bonus with a new bank account
Make money while you wait. Earn up to 5.00% interest on your MomentumPLUS Savings Account for 5 months1
Unlimited debit transactions3 & Interac e-Transfer† transactions
Up to $150 annual fee waiver each year on select credit cards3
Unlimited no-fee Scotia International Money Transfers4
Scotiabank has multiple different chequing accounts on offer, including a student chequing and a youth chequing account. The monthly fees for Scotiabank’s chequing accounts range from $0*–$30.95 depending on your balance, with seniors enjoying a discount. Every Scotiabank Chequing account comes with a debit card, allowing you to earn rewards on debit transactions with the Scene+ TM Program.3
Scotiabank’s standout chequing account is its Ultimate Package, which offers a world-class combination of benefits particularly suited to those interested in bundling different banking needs under the Scotia roof. Notable account features include:
The account’s monthly fee is normally a rather steep $30.95, but this is waived for those that maintain a daily account balance of $5,000 or more or a combined $30,000 in your Ultimate Package and MomentumPLUS Savings account.
Best chequing account from BMO
Unlimited everyday banking transactions*
Unlimited Interac e-Transfers®*
1 Canadian withdrawal included per month*
$5 monthly fee for standard overdraft protection*
BMO’s chequing accounts span five options, with monthly fees ranging from $4 to $30. All of BMO’s chequing accounts include unlimited Interac e-Transfers®, and three of them permit you to waive the monthly fee as long as you maintain a minimum average account balance. Children under 13, youth aged 13-18, students, seniors, new Canadian immigrants, and members of the Canadian Defence Community may get special discounted rates and free chequing accounts*.
BMO’s Performance Chequing Account is our favourite unlimited chequing account in Canada and our most highly recommended BMO account. Although there is a monthly fee of $16.95, you can waive that as long as your minimum monthly balance is at least $4,000*.
* Terms and conditions apply.
Best chequing account from Tangerine: No-Fee Daily Chequing Account
Up to 0.10% interest, depending on account balance
No fees for daily chequing transactions
Free access to Scotiabank ABMs
One free cheque book; one free replacement debit card annually
There’s not a whole lot of selection among Tangerine chequing accounts in Canada, as the online-only bank currently offers just its Tangerine No-Fee Daily Chequing Account. But Tangerine’s decision to focus its energies on only one account type has paid off in providing a lot of value for account holders: the account doesn’t charge any fees, and pays interest in tiered rates, beginning at 0.01% on any balance.
The Tangerine No-Fee Daily Chequing account also offers unlimited daily transactions, Interac e-Transfers and email money transfers. You can bank over the phone or online, but there are no branches. Tangerine customers can use Scotiabank ABM machines free of charge worldwide and access Apple Pay and contactless payments through their debit card.
Best TD chequing account
No monthly fee
Interest ranging from 0.01-0.05%
10% savings on TD Travel Medical Insurance
$1.25 fee for each transaction; no transaction fees for accounts with a minimum balance of $1,500
TD offers four personal chequing accounts, a youth account, and a student account. Monthly fees range from $3.95 for the Basic account to $29.95 for the All-Inclusive Banking Plan, although you can get a rebate on both if you maintain a $2,000 or $5,000 account balance respectively. The student and youth accounts have no monthly fee.
TD stands out for its US dollar chequing accounts. While not every Canadian bank offers a US dollar account, TD has two options: the TD US Daily Interest Chequing Account and the premium Borderless plan. The US Daily Interest Chequing Account has no monthly fee, and facilitates easy cross-border banking, bill payments and exchanges between US and Canadian dollars. Daily interest is calculated on all balances over $1,000, beginning at 0.01% and increasing in tiers up to 0.05% on balances over US $60,000.
Best chequing account from RBC
12 free debits per month
Unlimited free Interac e-Transfers
Extra transactions for $1 each
Option to link your RBC debit card to save money on fuel at Petro-Canada and earn 20% more Petro-Points
RBC has four different chequing accounts, along with a youth account and a discount for seniors. The monthly fees range from $4 up to $30, with a number of extra features and rebates included in the top-priced account. Every account also includes some type of multi-product or credit card fee rebate, and you’ll get a debit card, mobile app, and the option of low-cost overdraft protection too.
RBC’s Day to Day Banking chequing account stands out as one of our favourite basic chequing accounts. The monthly fee is just $4, and if you are a senior, a Registered Disability Savings Plan beneficiary, or have two or more eligible RBC products in the same region, you can get a partial or full waiver on the fee. The account also includes:
Who needs a chequing account?
Almost everyone. A chequing account is an efficient tool to receive payments, like monthly earnings, and hold them securely. Keeping your money in cash under your mattress isn’t a safe option. With a chequing account, you can make it easier for your employers and friends to pay you and you can rest assured that your money is safe.
Most of us are eligible for at least a basic chequing account, but a bank might reject an applicant who has a history of mismanaging prior accounts at other banks. Those who find themselves in this position can consider other options for making payments, like prepaid debit cards.
If you are interested in getting a chequing account, keep in mind that different account types are suited to different individuals. In order to pick the best chequing account in Canada for you, we recommend that you compare the options out there with an eye for the specific features you require.
Types of chequing accounts
Most Canadian banks offer different variations on the below account types, with each account type serving a slightly different purpose.
Personal (basic) chequing account
A personal, or basic chequing account is the standard account in Canada. You’ll get a certain number of monthly transactions along with extra features, depending on which account you choose. You’ll generally have to pay a monthly fee of between $4–$30, which varies according to the features and number of transactions on offer.
No-fee chequing account
A no-fee chequing account is a personal free chequing account. Although this is great for anyone who wants to save money, it tends to come with strings attached. You won’t get nearly as many features as you might with a fee-paying account, and you’ll usually be limited to a set number of transactions per month. You might also have to keep a minimum average bank account balance in order to avoid paying fees. Direct/virtual banks are an exception to this rule, as their lower operation costs might allow them to provide a chequing account for no monthly fee and few if any transactional fees.
Some digital financial institutions offer accounts with essential payment and cash management functionality, combined with the earned interest, cash back or rewards that you would associate with a savings account or credit card. Like a chequing account, these hybrid accounts will often equip the accountholders with a debit or prepaid card, while also supporting bill pay, Interac e-Transfers, and direct deposit of paycheques. Unlike a chequing account they typically will not issue paper cheques, support overdraft, process wire transfers, or provide customer service in traditional bank branches. Most consumers use these accounts in addition to rather than instead of a traditional chequing account, but this may change as the world becomes more and more cashless and cheques grow obsolete.
A good example of these new hybrid account types is KOHO, which allows accountholders to load money and then spend it via a KOHO Prepaid Mastercard® or by withdrawing cash at an ATM. KOHO is attractive because it comes with an unusual perk for such an account type: cashback rewards. The no annual fee subscription version, KOHO Easy, offers 1% on Groceries + Transportation and up to 5% cash back extra at partnered merchants, and allows you to earn 0.5% interest on your entire account balance (with no minimum deposit requirement).
Sign up and get a $20 instant cash bonus (once you load your account and make your no minimum first purchase within 30 days) right to your KOHO account.
Student chequing account
Student accounts are designed especially for students, usually only those in full-time education. Most student accounts have age restrictions, typically requiring that you be between 18 and 25, although these do vary. Student chequing accounts generally charge lower or no banking fees and might offer limited perks and rewards.
Youth chequing account
Youth chequing accounts are for people under their provincial age of majority. Accountholders will usually pay no or low bank fees and might earn some interest on their money.
U.S. dollar chequing account
U.S. dollar chequing accounts are designed for individuals who want easier cross-border transactions. They usually let you withdraw your money in U.S. dollars from the right ABM without any currency exchange fees and make it easy to pay for transactions in U.S. dollars.
What to look for in a chequing account
Before you open a chequing account, ask yourself these questions:
How many transactions do I need per month?
If you need a lot of monthly transactions, you might go with the Scotiabank Ultimate Package, which offers unlimited debit transactions3 for a monthly fee of $30.95. The fee is waived with maintaining a minimum daily closing balance of $5,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account.
On the other hand, if you need relatively few transactions you might opt for an account like the CIBC Everyday Chequing Account, which allows you up to 12 transactions per month for a low fee of $3.90.
3 Conditions apply. Visit here to learn more.
Do I carry out most of my banking transactions over the phone, via the internet, or in person?
Different banks offer different banking platforms: the Tangerine No-Fee Daily Chequing account charges $0 per month for unlimited daily and email transfers, e-statements and online banking, but Tangerine offers little in-person service, so users need to feel comfortable executing their banking needs online.
Other bank accounts still support in-person service, like the RBC No Limit Banking account: unlimited teller-assisted transactions for $10.95 per month.
What will be my average monthly minimum balance?
Some bank accounts provide benefits for maintaining a minimum monthly balance: the TD Minimum Chequing Account rebates its monthly fee if account holders maintain a minimum balance of $2,000 or more. BMO’s Premium Plan sets the bar a bit higher, waiving its $30 monthly fee if your monthly balance is over $6,000, and offering other substantial account perks.
Do I want a no-fee chequing account?
Some accounts charge no monthly fee whatsoever, regardless of the account holder’s account balance. The Tangerine No-Fee Daily Chequing account charges no monthly fee for unlimited self-serve transactions.
Do I need features such as free Interac e-transfers?
If you anticipate doing a lot of Interac e-Transfers, make sure your chequing account won’t charge you a fee for these. BMO offers free Interac e-Transfers on all its chequing accounts, including the Practical Plan which charges a fee of $4 per month.
Do I need easy access to US dollars?
If you travel frequently to the US, you might opt for an account specifically geared for that lifestyle. The TD Borderless Plan offers quick and easy exchange between US and Canadian dollars, unlimited transactions and a monthly charge of $4.95.
Another option is the RBC US Personal Account, which charges $2 per month for 6 monthly transactions in either US or Canadian dollars.
Is it important that I earn interest on my chequing balance, or rewards/cash back on my purchases?
If it’s important to you to make some money on your account balance or purchases, there are some chequing accounts out there that provide those features. Tangerine’s No-Fee Daily Chequing account offers interest on its account balances, and all Scotiabank chequing accounts can earn rewards on debit transactions with the Scene+ TM Program.3
3 Conditions apply. Visit here to learn more.
Cheque your options
The advent of digital banking has brought a number of new, competitive online chequing accounts to Canadians. If you’re tired of paying annoying fees for basic banking transactions, now is a great time to consider more competitive offers from financial organizations vying for your business. Some people are even opting to close their bank account and move to digital accounts altogether. If you don’t have a chequing account of any kind, you might explore the security and access to commerce that a chequing account can provide.
How to choose the best chequing account
Chequing accounts are, for the most part, something you really don’t have to think about on a day-to-day basis if everything is set up properly. However, here’s a handy cheat sheet of when you should spend a few minutes making sure that, yes, your best cheuqing account still fits your need:
- Graduating school (high school or university), especially if you’re no longer going to be a student and no longer eligible for a student account
- Leaving a full time job to work for yourself
- Starting a business (even a side hustle, like freelancing on an online marketplace) where you need to accept multiple kinds of payments
- Combining finances with someone (like after getting married)
If you’re in one of those situations — or another one that led you here! — here are the steps that can help you figure out whether your trusty account is still the right fit for your life.
1. What features do you need in a chequing account?
This is a list that, most of the time, you don’t even need to think about. For a lot of us, it’s very simple. We need to be able to put money into our accounts and take money out.
Here in Canada, that usually looks like:
- Get direct deposit from an employer
- Pay with your Interac card
- Send e-Transfers
- Pay bills online
- Automate your savings contributions
For many, that is the only list of requirements, and it’s pretty standard for any chequing account, free or paid. So you might compare banks based on whether they offer free e-Transfers, or whether you can earn points or interest on the balance in your chequing account.
But there are plenty of other services you might need (or want!) in a chequing account, and that’s where you’ll start to see differences between accounts that matter more than just “free” or “paid.”
If you need occasional access to in-person services like bank drafts or certified cheques, that alone might be worth getting an account that gives you branch access, like a Scotiabank Basic or Basic Plus account.
There are also some less common situations that might be incredibly common in your life, like accepting international wire transfers. If even one piece of your financial life that relies on them isn’t compatible with your free account, you will want to keep a separate, paid account at an in-person branch, and pay the fee.
2. What’s a good rate for the products you need?
Comparison shopping, unlike comparison itself, is not the thief of joy. It’s something you should definitely do before committing to an account.
Once you know what you’re looking for, do a bit of poking around to check out what different banks will charge you for the services you need. It’s worth knowing what a competitive rate is for each service, like the fee for a wire transfer or the price of an unlimited chequing account, even if you don’t want to decide on price alone. Knowledge is power, my friends.
However, while you’re doing this shopping, remember there are ways that you might be able to get a great deal with absolutely zero hassle. If you already have other services with a bank, the packages they offer for chequing might work out beautifully in your favour.
Here’s an example. If you signed up for a Scotiabank Ultimate Package, you might be able to pay a cool $0 if you keep a certain amount in savings with them, and the package boosts the rate you get on those savings, too. And for a limited time, earn up to 4.50% on your MomentumPLUS Savings Account.
Plus, they waive the annual fee on a Scotiabank credit card if you have one, up to a certain dollar amount, every year.
3. What can you get if you switch chequing accounts?
If you’re in the market for a new chequing account you should know that there are some great promotions on the table. If you know you need to switch anyways, it’s worth doing your research.
Right now, Scotiabank is offering a $350 welcome bonus for eligible customers who sign up for an Ultimate package. If you were in the market for an account anyways, and those ones fit your needs and your overall financial life, why not take the free money?
Especially since, let’s be honest, most of us don’t switch accounts every day because it is a hassle. Your chequing account should, rightly, be a long-term companion in the game of life, if for no other reason than it will save you time and — if you shopped around well! — money.
With files from Desirae Odjick
What's a chequing account?+
A chequing account—also known as an ‘everyday banking account’—is a cash account held with a bank or financial institution. A chequing account entitles its account holder to perform immediate financial transactions, including deposits, withdrawals, debits, bill payments and money transfers. Transactions may be executed online or in person at a bank branch.
Do I need to pay for a chequing account?+
A chequing account’s administering institution may charge the account holder a monthly operating fee, as well as fees for exceeding a specified number of financial transactions per month. Some chequing accounts may charge few or no fees to the account holder, particularly if the account holder maintains a minimum account balance.
Do chequing accounts earn interest?+
A select few chequing accounts in Canada may earn small amounts of interest, though these interest levels will not be comparable to the interest earned from a high-interest savings account. Interest-earning chequing accounts are more likely to be offered by online banks than traditional brick-and-mortar banks.
What is the difference between a chequing and savings account?+
Chequing accounts are designed to facilitate everyday banking transactions, like ABM withdrawals, debits, and cheque deposits. Savings accounts are designed as long-term repositories for cash, which can be accessed in case of emergency. Banks use the money held in savings accounts to make loans, and they reward savings account holders with regular interest payments. You can learn more about savings accounts by reading our in-depth article: https://money.ca/blog/what-is-a-savings-account/
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.


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PARIS (AP) – More than 20 African heads of state and government held talks in Paris on Tuesday with leaders of international organizations on how to revive the continent’s economy, which has been deeply affected by the COVID-19 pandemic.
Some European leaders and high-level representatives from Britain, Saudi Arabia and the United Arab Emirates also attended the summit hosted by French President Emmanuel Macron. Other officials, including German Chancellor Angela Merkel, Chinese Deputy Prime Minister Han Zheng and US Treasury Secretary Janet Yellen, planned to attend via video conference.
The discussion focused on finding ways to inject billions of dollars into African economies with the support of international organizations, including the International Monetary Fund, the World Bank and the African Union.
France’s goal is “to find new and ambitious solutions so that Africa can cope with this unprecedented crisis and return to growth, like other continents,” the French presidency said in a statement.
Macron called on the international community to conclude a “new deal” for African countries.
“If we can mobilize in the coming weeks and months, we will not only be able to respond to urgent needs … but also make this situation an opportunity to tackle the problems we have seen for a long time,” he said before the summit.
“This is a great opportunity for Africa,” said Congolese President Felix Chisekedi, the current head of the African Union. The pandemic “left our economies impoverished because we had to use all the resources we had, the few resources we had, to fight the disease.”
IMF Managing Director Kristalina Georgieva described the summit as “a very important moment. We have gathered here to turn what has developed into a very dangerous gap between advanced economies and developing countries, especially Africa.”
Last year, the European Union adopted a plan to recover a pandemic of 750 billion euros ($ 910 billion). The US Congress approved a $ 1.9 trillion coronavirus relief bill in March. .
The International Monetary Fund has released a $ 23 billion package to sub-Saharan Africa, whose economies have shrunk by 1.9 percent in 2020.
Macron said on Tuesday that the continent’s funding needs are estimated at about $ 285 billion by 2025.
The IMF is expected to confirm in June a decision, backed by France and the United States, to issue $ 650 billion worldwide in special drawing rights (SDRs), a currency instrument used to finance imports. The SDR will include $ 34 billion for the African continent.
France is pushing for a redistribution of African nations to part of the money initially going to advanced economies to increase their ability to import, for example, medical equipment.
France is also proposing that the World Bank’s institution, which is responsible for helping the poorest countries, raise up to $ 90 billion by the end of the year.
Leaders attending Tuesday’s summit are expected to discuss debt relief initiatives and how to cut private sector interest rates to boost investment and growth.

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The Lusk Herald
January 11, 1951
Mrs. Charles Morrison Dies in Oregon
The Harrison Column
Mrs. Charles Morrison, formerly Ellen Broderick of Harrison, passed away at a hospital in Eugene, Oregon, last Monday. Her mother, Mrs. Charles Broderick, had been with her for several months, caring for her daughter. Two brothers, Joe of Sidney, Neb., and Mike of Scottsbluff, went to Oregon for the funeral. Mrs. Morrison leaves to mourn her death, her husband and five children, a sister, Mrs. Mary Coffey, and several brothers.
Bonita M. Broderick (May 18, 1931 - February 9, 2015)Charles Patrick Broderick (February 10, 1912 - November 5, 1969)John Michael Broderick (January 29, 1902 - March 11, 1987)Myrtle Broderick (March 21, 1900 - June 27, 1990)Patrick R. Broderick (January 31, 1933 - January 1, 1961)Thomas M. Broderick (February 25, 1929 - January 24, 1990)Mary Coffey (December 24, 1898 - February 12, 1965)James A. Osback (September 25, 1943 - April 1, 2005)Kenneth D. Osback (January 30, 1924 - December 15, 1990)Mary Ellen Osback (July 9, 1925 - January 14, 1997)
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RainDance Technologies Powers Autism Screening Panel Launched by Greenwood Genetic Center
Published: Mar 28, 2012
LEXINGTON, Mass. & CHARLOTTE, N.C.--(BUSINESS WIRE)--RainDance Technologies, Inc., the Digital Biology™ Company, today announced that Greenwood Genetic Center has commercially launched its Syndromic Autism 62-Gene Panel which was built for use on RainDance’s picodroplet-based targeted sequencing platform. The panel sequences 62 individual autosomal and X-linked genes that represent the most common single gene etiologies associated with Autism Spectrum Disorders (ASD) and syndromes that include autism as a significant phenotypic feature.

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The nanoacoustic sensor incorporates cilia-like nanowires made of galfenol, a magnetostrictive material, which responds to incoming acoustic waves by changing the magnetic flux flowing through it which is measured by a GMR sensor. A package developed for this sensor should provide a protective environment for these nanowires, while still allowing the sound waves to reach the sensing element with least attenuation. A MEMS package has been designed analogous to the cochlea in a human-ear for the nanowire acoustic sensor. Package materials have been selected for their acoustic performance in water by conducting several experiments to compare their impedance and attenuation characteristics, moisture absorption, and salt permeation properties. The package filled with silicone oil and encapsulated with polydimethylsiloxane (PDMS) is observed to outperform other packages at all frequencies in minimizing attenuation of the acoustic waves at the interface of the package. The process sequence for fabrication of the nanoacoustic sensor is presented along with the preliminary results.
- Electronic and Photonic Packaging Division
Packaging of an Iron-Gallium Nanowire Acoustic Sensor for Under-Water Applications
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Jain, R, McCluskey, FP, & Flatau, AB. "Packaging of an Iron-Gallium Nanowire Acoustic Sensor for Under-Water Applications." Proceedings of the ASME 2007 InterPACK Conference collocated with the ASME/JSME 2007 Thermal Engineering Heat Transfer Summer Conference. ASME 2007 InterPACK Conference, Volume 2. Vancouver, British Columbia, Canada. July 8–12, 2007. pp. 825-829. ASME. https://doi.org/10.1115/IPACK2007-33455
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You can get the LP in advance exclusively at MOD3LLR’s bandcamp before the release hits the shops globally at the beginning of July this year.


This chief security officer for a California credit union knows what financial institutions should do to reduce cybersecurity risk. It’s all those must do’s that make it more difficult.
One of his tasks is ensuring proper heed is paid to proclamations such as the new mobile security guidance just issued by the Federal Financial Institutions Examination Council, of which the NCUA is a member.
The new guidance is in the form of the 18-page Appendix E: Mobile Financial Services and is part of the FFIEC’s revised Retail Payment Systemsbooklet, itself a part of the FFIEC’s series of IT Booklets.
The FFIEC says the guidance aims to help examiners evaluate how financial institutions and their third-party providers are managing risk in retail payment systems. It follows previous guidance on other topics such as cards, remote deposit capture, and general technology changes.
Appendix E address risk identification, measurement, mitigation, monitoring, and reporting, and, the FFIEC says in its news release earlier this month, while its primary audience may be examiners: Financial institution management should also find this guidance helpful, the FFIEC announcement says.
Almost the entire document is filled with should, the California CISO says.But until it’s required, leadership will have a hard time spending money chasing should when they need to spend on must items.
For now, he recommends looking at the new guidance as a light in the distance that provides guidance, and be prepared mentally to communicate why the organization is where it is.
Be prepared, he says, to answer this question when the examiners arrive: Do you recognize risk and are you operating within the risk appetite of the credit union’s leadership?
The NCUA did not respond to questions this week from about when the regulator would begin implementing the mobile banking guidance into its examinations. CUNA also says it’s not sure.
It’s unclear how the NCUA will apply the guidance in upcoming exams, says Lance Noggle, the trade group’s senior director of advocacy and counsel. But he advises credit unions to prepare to show that proper security measures are in place, especially for payments-related software and applications.
For instance, he says, It looks they’re pushing biometrics to ensure that a mobile device is being used by its owner and that codes and emails also would not be available to someone in possession of a lost or stolen phone. Noggle says SMS texting also appears to present risks that are difficult to overcome.
That sounds pretty nuts-and-bytes to non-technical board members and managers, but the latest guidance also further illustrates regulators recognition that cybersecurity knows no silos.
Michael Emancipator, NAFCU’s senior regulatory affairs counsel, says the guidance provides useful, new benchmarks, and observes, We continue to hear that cybersecurity issues are no longer limited to IT departments, but are now enterprise-wide priorities requiring more individuals and departments to have at least a basic understanding of potential threats.
And, indeed, they should, says Lori Gall, president and CEO of The Sollievo Group, a compliance services subsidiary of Mid-Atlantic Federal Credit Union.
Since mobile services have become such an in-demand product for credit union members, this kind of acknowledgement by regulators is a step in the right direction, Gall says.
She says the guidance serves as an important resource for credit union employees especially those whose jobs directly involve compliance to show what risks and mitigation to those risks are available. It will help tremendously, Gall says.
And on the other side of the table, she points to raising awareness of the specific areas of identification, mitigation, and monitoring that serve as the linchpin of any good risk management program.
The new mobile security guidance lays out specific areas of assessment to test the risk controls a credit union has in place, Gall says. Come exam time, I believe these guidelines will allow examiners to make credit unions aware of the mobile security risks.
Examiners Gotta Examine
If past is prologue, credit unions can expect the the mobile suggestions to become examination topics. For instance, the NCUA has said that year it will begin incorporating elements of the previously released Cybersecurity Assessment Tool.
That tool was released after a pilot program was conducted in 2014 among 500 credit unions and community banks, and is a continuation of the increasing focus and consistent theme we’re seeing, that institutions must address the myriad threats posed by changing technologies and more and more sophisticated attacks, says Donna Cameron, director of regulatory I/O at compliance provider Continuity.
Credit unions can expect the same from the Appendix E, says Gene Fredriksen, vice president and chief information security officer at PSCU. He expects the NCUA and other FFIEC members which includes the FDIC to thoroughly examine all technology risk issues.
In the case of mobile, Fredriksen says expects the focus to be on:
- Authentication and authorization
- Application development and distribution
- Application security
- Consumer awareness
- Logging and monitoring.
This will all result in a clearer picture of the risks a mobile platform may expose, says Fredriksen, who calls the new guidance a solid model for credit unions to use to evaluate the risk of a specific mobile offering.
Those risks will just continue to grow along with the mobile channel.The greater the business penetration into internet and mobile-based tools, the greater the inherent risk, Fredriksen says.If we’re to continue protecting the information entrusted to us by members, we must make sure our cybersecurity programs are agile, resilient, and keep pace with emerging threats.
He says that means taking a serious look at existing and planned systems and identify areas for improvement. Document your discussions, evaluations, and risk assessment processes, the veteran technologist says.Ensure those discussions also take place with the executives of the organization. If you have a complete package that shows your diligent efforts in this area, you will be well prepared for any NCUA discussion during an examination.


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World going systems are of various kinds, every one of that includes a certain function. You cannot use one device for all world going tasks. So, once you choose planet going gear, you’ll need to help keep your particular needs in mind. The option is based on the work available, website situations, accessible budget and a number of other factors. By picking the incorrect gear, you are able to find yourself sustaining a good amount of monetary reduction, besides unsatisfactory function produced by the machine. In order to reduce such deficits, it is a must to spot the most acceptable earth moving equipment.Consider the tow range
Pull range is the most crucial element once you select earth moving equipment. You are able to pick smaller vehicles if pull distance is small. But when earth must be pulled over for long ranges, you need a stronger vehicle since it needs to have the energy to maintain the pressure for so long. Using little products for rigorous projects could be a liability because they can’t get the strain and break down throughout the task. So, you end up incurring additional costs of repair.Quality
As it pertains to world moving equipment, you can’t afford to have a opportunity on quality. This is because they are heavy equipment. If they are perhaps not of the greatest quality, they may instantly break up and cause accidents to the owner or the others round the machine. Therefore, before buying the apparatus, be sure that the manufacturer is trusted and that the device meets all safety standards.Type of material to be transferred
The type of substance that requires to be transferred is a significant criterion whenever you pick world going equipment. For a few forms of resources, you PLANT HIRE Ladysmith need to use a scrape while for the others, you will need a truck. For instance, if the soil to be moved is sandy, you will need a scraper. If the soil is clayey and wet, scrapers become unfit for use. Exercise type scrapers aren’t suitable to carry stones or soil with little or large boulders. For rocks, auger scrapers are used. Prime loading trucks are ideal for all of the materials.For some other resources, you need to hire a tractor scraper. Push pull tractor scrapers have very powerful motors that helps lift heavy masses easily and with greater efficiency. Therefore, sleep the decision of gear on the material to be moved. Read the equipment books and recognize the goal material for which the device has been made.Season useful
Because scrapers are not acceptable to carry wet earth, these devices become unsuitable for use during rains or snow. In summers, they’re really beneficial to raise exactly the same sort of material. When the weather is damp, prime fill trucks are the very best choice.If the region that needs to be hauled does not have appropriate foothold for the device, you should use an articulated hauler. They’re functional and variable for used in tough terrains and hard conditions.Some of the other facets that you might want to think about whenever choosing planet moving gear are the kind of reduce (horizontal or vertical), carry highways, experience of operators, flexibility of the equipment and the features contained in it.


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With the book releasing this week and with the economy setting up to catch many of you off guard, I’ve decided its time to step it up a notch. As of today, I’m introducing a limited time promotion called the **Brass Knuckle Finance Emergency Fund Challenge**.
For every person reading this and anyone you know who can save up a $2,000 emergency fund over the next 60 days, I will pay that person $25 via PayPal no questions asked! If you have a $2,000 emergency fund today then I will verify this and send you your $25 TODAY.
Rules are below:1. Must be over 18 years of age. 2. Must have a paypal account setup to receive funds. 3. Must open your emergency fund account at a BKF designated online bank using a BKF referral. 4. Must be funded with at minimum $2,000. 5. Must be an American citizen. 6. You have until June 16th to create your emergency fund and account. 7. If you refer another person to save up a $2,000 emergency fund, you’ll be paid $25 for that referral
If you are interested in taking part in the challenge, send an email to firstname.lastname@example.org stating that you are and we’ll get your $25 out to you via Paypal ASAP!
Here’s a video of me talking about the cruel summer people won’t be prepared for:
Preview the book starting Wednesday here:

domain: finance


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Can you really get two bikes onto a truck bed? The one time I transported my 636 in a Toyota Tundra it took up way more than 50% of the space.
If you don't have a Canyon Dancer (or similar travel tool) then you'll loop one strap each around the triple tree/fork and compress the forks somewhat. I use two on the back like threemo to ensure the bike doesn't go anywhere, esp when you hit bumps. When I transported on a trailer, I added 2x4 blocks one either side of each wheel of each bike to ensure there wasn't any accidental slipping to one side or the other of the tires themselves.
Dragging knee is for the track, and dragging tail is for the lot. --Kane Friesen
When you're in a car, you're watching a movie; when you're on a bike, you're in the movie. --Robert Pirsig
Identity theft is not Fun

domain: hobby


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A good night’s sleep is a cornerstone of health, especially as we age. For many, especially women going through menopause, achieving restful sleep becomes a challenge. This comprehensive guide explores the nuances of sleep in older adults, focusing on strategies for better sleep for menopause and beyond.
Understanding Sleep in Older Adults & Menopausal Women
Alright, let’s break down the whole sleep-and-aging thing, especially how it gets a bit more complicated for women hitting menopause. It’s like your body decides to mix things up in the sleep department just when you thought you had it all down. But getting the lowdown on these changes is key to nailing better sleep for menopause.
So, as we get older, our sleep patterns start doing their own thing. You might find yourself waking up super early or not sleeping as deeply as you used to. And oh, the classic tossing and turning, trying to drift off – that’s part of the deal too. Our internal clocks get a bit quirky, and deep sleep becomes a bit of a rare treat.
Now, add menopause to the equation for women, and it’s a whole different story. Menopause is more than just hot flashes and mood swings; it’s a big-time sleep disruptor. Thanks to all the hormonal ups and downs, with estrogen and progesterone levels doing the tango, you might face night sweats, sudden temperature changes, and lots of restless nights. Basically, menopause can make the quest for good sleep a bit of an adventure.
But here’s why better sleep for menopause is super important: it’s not just about feeling refreshed. It’s about your overall health. Skimping on sleep can mess with everything from your mood to your weight, and even heart health. Plus, when you’re getting enough sleep, you’re in a better position to deal with other menopausal symptoms. It’s like giving your body the right gear to tackle the day.
So, that’s the scoop. As we age, and especially for women going through menopause, sleep can become a bit of a puzzle. Understanding these changes is crucial. It’s not just about getting more sleep; it’s about adapting to what your body now needs and figuring out ways to get better sleep for menopause. Remember, a peaceful night’s sleep is still totally possible – it might just need a few tweaks!
The Importance of Better Sleep for Menopause
For older folks, sleep is like a nightly tune-up. It fixes up our cells, keeps our muscles and skin in good condition, and even makes our immune system stronger, which is a big deal since it tends to get weaker with age. Plus, it helps keep those pesky chronic diseases like high blood pressure and diabetes under control.
Now, let’s talk about the brain benefits. A good night’s sleep is like a supercharger for our memory and thinking skills. It helps us store new memories and keeps our minds sharp, which is super important to avoid things like memory loss and dementia. And don’t forget about mood – sleeping well means we’re more likely to wake up feeling happy and less stressed.
For women going through menopause, getting better sleep is even more crucial. Menopause can throw our sleep off track, thanks to all those hormonal changes, leading to problems like insomnia. But here’s the thing: better sleep for menopause can be a game-changer. It helps manage those annoying menopause symptoms like hot flashes and mood swings. It also keeps our hormones more balanced and supports our overall health, reducing the risk of stuff like osteoporosis and heart disease.
In short, making sure we get good sleep during menopause and as we age isn’t just about avoiding feeling groggy. It’s about keeping our bodies and minds healthy and enjoying life to the fullest.
How to Improve Sleep Habits
Getting good sleep during menopause can seem like a tough challenge, but it’s totally doable with a few smart changes to your sleep habits. Here’s the lowdown on how to snag that elusive better sleep for menopause.
First up, stick to a regular sleep schedule. Your body’s like a clock; it loves routine. Hit the hay and get up at the same time every day, and your body will start to naturally feel sleepy and awake at the right times. Yep, this means weekends too!
Next, turn your bedroom into a sleep haven. Get yourself a comfy mattress and pillows – it’s a game-changer. Keep your room cool, around 65°F (18°C) is usually perfect. Use blackout curtains and maybe a white noise machine to keep the outside world out. And go for calming colors in your bedroom; think soft blues, greens, or neutrals.
Now, let’s talk screens. They’re not your friends when it comes to sleep. The blue light messes with your sleep hormone, melatonin. So, an hour before bed, switch off the TV, phone, and tablet. Maybe read a book or listen to some chill music instead.
A pre-sleep routine can also work wonders. Whether it’s a warm bath, some light reading, or sipping herbal tea, find what relaxes you. For those menopause moments, try some mindfulness or gentle yoga to ease any symptoms that might mess with your sleep.
Dealing with menopause symptoms like hot flashes? Dress in breathable, moisture-wicking PJs and consider cooling sheets. And if these symptoms are really bugging you, a chat with your doctor could be a good idea.
So there you have it. Better sleep for menopause doesn’t have to be a pipe dream. A consistent sleep schedule, a sleep-friendly bedroom, less screen time before bed, and a relaxing pre-sleep routine can all help you drift off to dreamland. Here’s to sweet dreams and restful nights!
Diet and Exercise for Better Sleep
Changing up your diet and exercise can seriously upgrade your sleep game during menopause. Believe it or not, a few small tweaks here and there can lead you straight to better sleep for menopause.
Starting with your diet – it’s a big deal when it comes to sleep. Cutting back on caffeine is a good move. Enjoy your coffee, sure, but maybe keep it to the morning hours. Caffeine has a knack for hanging around in your system and can keep you up at night. Also, try to skip those big, heavy meals right before bed. They can make you feel uncomfortable and mess with your sleep. If you’re hungry, go for a light snack instead – something like a banana or a few almonds.
Now, onto exercise. Getting your body moving can do wonders for your sleep. Aerobic exercises – think brisk walking, swimming, or cycling – are great. They get your heart pumping and improve sleep quality. Just try not to work out too close to bedtime, or you might be too pumped to sleep. If you’re looking for something more low-key, yoga and stretching are fantastic, especially during menopause. They help you chill out, reduce stress, and get your body ready for sleep.
And don’t forget, regular exercise can also help keep those pesky menopause symptoms like hot flashes and mood swings under control. It’s like a two-for-one deal – better health and better sleep.
So, there you go! A little change in what you eat and a bit more exercise can really help you sleep better. Remember, these aren’t just good for your health; they’re key for getting better sleep during menopause. Here’s to peaceful nights and feeling great!
Managing Stress for Better Sleep
Handling stress is pretty much one of the secrets to nailing better sleep during menopause. It’s all about stopping that annoying cycle where stress ruins your sleep, and then lack of sleep makes you even more stressed. It might sound tough, but with some cool relaxation techniques, you’ve got this!
So, stress and sleep are kind of like a seesaw. When stress goes up, good sleep often plummets. And if you’re tossing and turning all night, your stress is likely to jump up. Breaking this cycle is super important for better sleep for menopause.
Enter mindfulness and meditation – they’re like your zen friends in this battle against stress. They help you stay in the now, pushing all those stressy thoughts aside. Just a few minutes each day can really help. Imagine chilling out, letting your thoughts drift away, and not worrying about hanging onto them. That’s mindfulness for you, and it’s a big help in getting relaxed.
Deep breathing exercises are another great tool. They’re easy and really work. Just breathe in slowly and deeply, hold it for a bit, then let it out slowly. Do this a few times and your body gets the message that it’s time to relax. This can seriously lower your stress and set you up for some good sleep.
Staying positive is key, too, even when it’s tough. Focus on the good stuff in your life, even the little things. And when bedtime comes, do things that calm you down. Maybe read a book, listen to some gentle tunes, or have a warm, caffeine-free drink. These can be your go-to nightly habits that tell your body it’s time to wind down.
So, that’s the rundown! Managing stress is a big player in getting better sleep, especially with menopause in the mix. With some mindfulness, meditation, deep breathing, and chill bedtime routines, you’re on your way to a restful night. Tackling stress isn’t just about feeling calm; it’s about unlocking better sleep for menopause. Here’s to sweet dreams!
Seek Professional Help if You Must
Sometimes, despite our best efforts, sleep remains elusive. If sleep disturbances persist, it might be time to seek professional help. This is particularly important for women experiencing menopause, as hormonal changes can significantly disrupt sleep. A healthcare professional can offer tailored advice and treatment options, including hormone replacement therapy, which can be beneficial for better sleep for menopause.
Achieving rejuvenating sleep as we age, particularly during menopause, requires a multifaceted approach. Understanding the changes that occur in our bodies, addressing potential causes of sleep disturbances, and adopting healthy sleep habits are all crucial steps. By focusing on diet, exercise, stress management, and seeking professional help when necessary, better sleep for menopause and beyond is within reach. Remember, a good night’s sleep is not just a dream; it’s a vital component of your health and well-being.

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It felt like winter arrived early in Washington Wednesday, as residents bundled up against cold temps and those on the east side of the state woke up to record-breaking snow.
“The temperatures (Wednesday) morning were certainly much cooler than we’d expect for the first week of October,” said meteorologist Dustin Guy with the National Weather Service in Seattle.
Temperatures will gradually rise over the next few days, though, as high-pressure system moves in, Guy said. By Friday, temperatures in the Seattle area should reach the 60s.
So what brought the cold snap? An upper-level, low-pressure system moved through the greater Puget Sound region on Tuesday and made its way over the mountains, delivering 11 inches of snow on Stevens Pass, almost 4 inches to Snoqualmie Pass and 6 inches to Mount Baker, according to the National Weather Service in Seattle.
It then moved east and caused a record-breaking early snowfall, according to the weather service. The 3.3 inches of snow at Spokane International Airport broke the daily record previously set in 1981, according to the weather service’s Spokane office.
The snow also caused leaf-laden branches to snap, downing power lines and leaving more than 60,000 people without electricity, The Spokesman-Review reported. Spokane Public Schools were closed Wednesday.
While not as dramatic as the scene in Spokane, Western Washington’s cold overnight lows were remarkable as well, according to the weather service in Seattle.
The low of 37 degrees at Seattle-Tacoma International Airport marked the first time in 29 years that overnight temperatures dipped below 40 degrees in the first 10 days of October, and it tied for the second-coldest low on Oct. 9 since measurements began, the weather service tweeted Wednesday.
Guy said the next couple of days are expected to be sunny and dry but chilly. Overnight lows that could dip down into the 20s for some interior areas such as Olympia.
The Puget Sound region will likely see “the return of some more unsettled weather” this weekend, with cloud coverage and a chance of showers, Guy said.
Editor’s note: In the module below, tell us what questions you have about the weather in this region — whether that’s Seattle and nearby cities and towns, Puget Sound, Western Washington or even the Pacific Northwest in general. We’ll choose a handful and hunt down the answers.
Seattle Times reporter Asia Fields contributed to this report.

domain: news


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Has your hard work paid off? We want to hear about it. Use this space to share your results, and ask other riders about their successes and fitness improvements.
Discuss podcast-related topics, ask questions about previous episodes, and catch the latest podcast notes shared by the TrainerRoad Team.
Discover the latest updates from the team behind TrainerRoad — cycling’s most effective training system.
Ask your questions about TrainerRoad’s training software, including our planning, training and ride analysis tools.


Looking for Where To Buy A Two Sided Mattress…
Lots of buyers are drawn to mattresses made with natural, organic, and sustainable materials but are worried about rate. Eco Terra set out to construct a natural, cost effective mattress and the outcome is the Eco Terra mattress The company solely sells this latex hybrid mattress, which is made with organic cotton, natural wool, Talalay latex, and upcycled steel coils.
The Eco Terra mattress is offered in two firmness options: medium (5) and medium firm (6 ). Having 2 available firmness levels makes sure there is an option for almost every sleeping position and physique. Resilient latex and responsive coils ease pressure points while keeping the spinal column lined up.
The breathable building and construction of the Eco Terra mattress avoids sleeping hot. Given that the mattress is made without extreme chemicals or synthetic materials, it is sought after by eco-conscious consumers. The mattress is handcrafted in California.
Great sleep depends on a comfortable mattress. All of us know it. We’ve all slept on a less than excellent mattress that woke us up throughout the night and left us feeling uneasy and exhausted in the morning. Thankfully, we now reside in the period of the high-end mattress. There are so many exceptional bed mattress available for anyone seeking a perfect night’s rest. Eco Terra is a natural hybrid mattress that wishes to fill the high-end mattress sized entire in your heart. Will it perform and supply the sleep that you’ve desperately sought for your whole adult life? There’s only one method to discover, so read on …
Mattress Prices and Sizing
The Eco Terra mattress is made with natural and sustainable materials.
While most designs cost close to $2,000 or more, a queen size Eco Terra mattress is frequently available for much less. The company keeps its rates budget-friendly by making its bed mattress internal and offering directly to consumers.
The Eco Terra is available in all six basic mattress sizes.
|Twin||38″ x 75″||11″||59 lbs.||$849|
|Twin XL||38″ x 80″||11″||63 lbs.||$949|
|Full||54″ x 75″||11″||84 lbs.||$1049|
|Queen||60″ x 80″||11″||100 lbs.||$1149|
|King||76″ x 80″||11″||127 lbs.||$1349|
|California King||72″ x 84″||11″||126 lbs.||$1349|
Comfort and Feel
As the name recommends, Eco Terra is 100% natural latex that is really ‘green’. There are a handful of natural latex bed mattress on the marketplace at this moment, but Eco Terra is among the best. The mattress is available in 2 firmness choices to fit your sleeping preference: medium and medium-firm. Both live up to their labels. Neither is too hard nor too soft, however one is a little firmer for sleepers who need it. No matter which firmness you pick, there’s no denying that Eco Terra mattresses are a comfortable combination of the pressure relief and contouring of latex foam with the springiness of little coils. The leading layers are made from latex and will bend to follow the curve of your body. Below that layer resides the soothing pushback of little fabric-encased coils. Together, the layers of this mattress provide the convenience and support that will have you sleeping like a baby.
• Motion Isolation
The Eco Terra mattress uses premium supportive fabric-encased coils that offer little motion transfer and an exceptionally resilient sleep. While latex foam is understood for its bounce and responsiveness, the bounce is offset when when coupled with Eco Terra’s fabric framed coils. This mix leads to very little movement transfer. If you are a sleeper who chooses an “in the mattress” feel, memory foam might be a better option. But if you choose a slight hug from your bed with minimal movement transfer, then this just might be the bed you are looking for.
• Edge Support Where To Buy A Two Sided Mattress
Ever found yourself sliding off a mattress in the middle of the night? That’s because that mattress has bad edge assistance. You won’t have to worry about that with an Eco Terra mattress. Lower-gauge coils on the boundary of the support core supply above-average edge assistance. The coils do an outstanding task of offering assistance from the centre of the mattress all the way to the edges. In general, hybrid bed mattress tend to offer much better edge support than innerspring beds due to their pairing of springs and foam.
Nearly all brand-new mattresses give off a faint smell when opened, however those smells are nothing to be worried about. Most natural latex mattresses do not produce a pungent off-gas like synthetic mattresses. Eco Terra has a scent instead of a smell.
Because latex foam does not maintain heat like memory foam, the mattress will preserve a neutral temperature whether it is cold or hot. In general, latex breathes well. This can be mainly attributed to latex’s open cell structure that flows air easily. Ontop of that, the natural cotton cover likewise assists to control the flow of air in and out of the mattress and the encased coils push out excess body heat. Eco Terra headed out of their way to create a mattress that will not trap heat. You’ll never ever feel overheated in an Eco Terra bed, however you likewise will not seem like you are too cold either. It does an excellent job of managing a comfortable sleeping temperature.
Who Should Buy the Eco Terra Mattress?
- Somebody who desires a cooler sleeping mattress.
- You desire less chemicals and more natural products because of principles, level of sensitivity or a more green way of lifeWhen you or someone you sleep with moves around on the bed, you like a medium or company feel and a quicker action
- Likes the idea of a mattress with less chemicals which’s not made in China with cheaper products. Eco Terra is made in the USA, in California and they produce as well as sell the bed. Where To Buy A Two Sided Mattress


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Pretty Girls - Karin Slaughter
#1 internationally bestselling author Karin Slaughter returns with a sophisticated and chilling psychological thriller of dangerous secrets, cold vengeance, and unexpected absolution, in which two estranged sisters must come together to find truth about two harrowing tragedies, twenty years apart, that devastate their lives.
Sisters. Strangers. Survivors.
More than twenty years ago, Claire and Lydia's teenaged sister Julia vanished without a trace. The two women have not spoken since, and now their lives could not be more different. Claire is the glamorous trophy wife of an Atlanta millionaire. Lydia, a single mother, dates an ex-con and struggles to make ends meet. But neither has recovered from the horror and heartbreak of their shared loss—a devastating wound that's cruelly ripped open when Claire's husband is killed.
The disappearance of a teenage girl and the murder of a middle-aged man, almost a quarter-century apart: what could connect them? Forming a wary truce, the surviving sisters look to the past to find the truth, unearthing the secrets that destroyed their family all those years ago . . . and uncovering the possibility of redemption, and revenge, where they least expect it.
Powerful, poignant, and utterly gripping, packed with indelible characters and unforgettable twists, Pretty Girls is a masterful thriller from one of the finest suspense writers working today.
Full disclosure, I haven't read anything by Karin Slaughter before this book so I wasn't sure what kind of writing I was getting into. But this book..... SO DAMN GOOD. It started off a little shaky with what turns out to be letters written by the girls' father and I wasn't sure how I felt about that but then we're immediately introduced to Claire, the youngest of the three girls, and her husband Paul. And I immediately liked them both but holy hell, what a story we were going to go on.
Basically it is the story of Julia, who goes missing in March, 1991. Her family fractures in different ways- mother goes through an alcoholic, depressive phase. Father is the vigilante detective, trying to figure it out only to kill himself in the end. We have Lydia who makes a series of terrible choices, primarily becoming a drug addict and never really being able to form relationships. Then we have Claire, who is like an emotional chameleon in a way. She does everything she needs to, but never excels enough to show up on anyone's radar, except for Paul's. Paul is a bit of a nerd and you can tell he really loves Claire. But almost immediately, Claire suffers unspeakable loss and through a series of scary, confusing things, she reaches out to long lost sister Lydia to help her. Together they try to piece together the things Claire finds in the wake of tragedy and when the whole ball of yarn is unraveled... holy hell. I mean, there really is no other way to express what I was feeling once everything clicked into place.
From the writing, the story telling, the way the story weaves in and out- excellent, stunning thriller. I am absolutely floored by this book and it makes me eager to pick up anything and everything by Karin Slaughter! You need to immediately pick this book up, you absolutely will not be disappointed (Amazon/Barnes & Noble).

domain: artistic


text: I slightly missed a bit in the middle of the noble Viscount’s question, but I will try to deal with the overall concept of his question as to what we are doing in the Sahel. Our objectives are to contribute to improving the situation. We recognise a number of different actors already present in the Sahel. We aim to work with them to better deliver for the people of the region. The UK’s deployment to MINUSMA is a vital part of our work in the Sahel to build stability, bolster conflict resolution, improve the humanitarian response and strengthen partnerships between the international community and regional Governments.


Get over the Weekday blues - Every Tuesday night is party night with the best Bhangra and Urban Asian Beats. The Bhangra Show every Tuesday between 8pm-11pm
Every Saturday evening we turn to remixes of hit songs to get you in the Saturday night party mood! Every Saturday between 5pm - 8pm
Have you a question about the religious, cultural or tradition aspect of Islam? Then join Hazrat Maulana Fazal Dad in the weekly show every Friday between 8-9pm.
The Golden Era
The golden era of Bollywood celebrated in this weekly show full of classics taking you back in time. Every Sunday between 5pm - 7pm


The weekly French political and news magazine Le Point recently revealed a document containing a list of requests by the Ethiopian Prime Minister Abiy Ahmed to the Elysee Palace, including Rafale fighter jets, helicopters, and nuclear missiles.
On 22 July 2019, Ahmed sent a letter to French President Emmanuel Macron asking France to help strengthen the Ethiopian air force by providing a sophisticated arsenal of weapons.
This list included 12 fighter jets (including Rafale and Mirage 2000), 18 helicopters, two military transport planes manufactured by Airbus, 10 Dassault Drones, electronic jamming systems, and about thirty M51 missiles with a range of more than 6,000 kilometres capable of carrying nuclear warheads.
The newspaper pointed out that Ahmed’s request for nuclear warheads is illegal, especially since France and Ethiopia signed the non-proliferation treaty (NPT).
Last October, the Ethiopian prime minister said, “If war is needed with Egypt over the Grand Ethiopian Renaissance Dam (GERD), we are ready to mobilise millions of people, but it is negotiations that can resolve the current stalemate.”
Since 2012, Addis Ababa has been carrying out the GERD’s construction on the Blue Nile, which, according to experts, will lead to water shortages in Sudan and Egypt, which are crossed by the river.
The $5m dam, which is considered the largest in Africa, has completed 70% of its construction. The dam is expected to give Ethiopia much-needed electricity.
Egypt fears that the Ethiopian dam will damage its limited share of the Nile’s water, estimated at 55.5 billion cubic meters, which 90% of it is needed for drinking, agriculture, and industry.


Huawei has just presented a new Honor smartphone in China. Just like the last year’s Honor 8, Honor 9 became almost an identical copy of the latest Huawei’s flagman – P10. From the previous reviewed version Honor 9 inherited the design of the back cover with an interesting light reflection effect. Some other features came from Huawei P10.
The whole design of the new smartphone is a combination of Honor 8 and Huawei P10. We’ve already mentioned the back cover, and another change concerned the fingerprint sensor – It went to the front and got built into the Home button. Plus, unlike Huawei P10, Honor 9 has a 3.5mm headphone jack located on the bottom edge, just beside the USB-C port.
Naturally, Honor 9 is equipped with a dual camera: a 20MP monochrome sensor and 12MP colored one. The camera has f/2.2 aperture, laser autofocus and 4K video support. At the same time, the front camera boasts 8MP and f/2.0 aperture.
Other notable features include 5.15-inch display, Huawei’s own Kirin 960 processor, 4/6 GB RAM, 64/128 GB storage, 3200mAh battery with Quick Charge support and Android 7.0 with Emotion UI 5.1 skin.
Flash Sale Direct Discount
HUAWEI Honor 9 5.15-inch Dual Rear Camera 6GB RAM
64GB ROM Kirin 960 Octa core 4G Smartphone
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Xiaomi Viomi Mini Desktop Ceramic Space Heater is a compact yet elegant gadget that will make the atmosphere in your house warmer. The heater has a powerful motor, so, as a result, the gadget takes up a little of space but it provides you with more heat. Furthermore, for the clumsiest of us will be [...]
Cooking usually brings delicious results but did you know that, in order to enjoy it, you do not need to spend thousand years by the stove? With best selling Cuisinart Steam & Convection Oven you will be able to cook super tasty food very easily. The oven features a specific steam technology [...]
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9/28/2007 8:31:04 AM
FREMONT, Calif.--(BUSINESS WIRE)--The Macroflux Corporation announced today that it has changed the name of the company to Zosano Pharma, Inc.
“Our name change reflects the positive evolutionary steps the company is taking to advance our innovative transdermal microprojection delivery system technology,” said M. Cory Zwerling, CEO and president of Zosano Pharma.
The Zosano name is a combination of “sano” which means to heal or to cure and “zo” for zone. The healing zone is where Zosano will focus efforts to create improved pharmaceutical products utilizing our innovative drug delivery technology.
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text:
The pub where fund from a Christmas club savings scheme went missing has been closed. The landlord of the Royal Oak in Shrewton in Wiltshire disappeared in December. His body was later found in the English Channel.
More top news
Philippa has the latest weather update for the east
Philippa has the latest weather update for the west
Triple killer Tobin 'definitely left other victims' says detective. Two of his victims were found buried at his former home in Margate


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Clinical Decision Support for Opioid Use Disorders: NIDA CCTN Working Group Report
There is an urgent need for strategies to address the U.S. epidemic of prescription opioid, heroin, and fentanyl-related overdoses, misuse, addiction, and diversion. Evidence-based treatments like medications for opioid use disorder (MOUD) are available, but there aren’t enough providers offering these services to meet the need.
The NIDA Center for the Clinical Trials Network (CCTN) held a full day workshop in June 2015 to begin developing a clinical decision support tool (CDS) for opioid use disorder treatment — specifically one that could be incorporated into electronic health records (EHRs) and assist non-specialist medical providers in identifying and managing patients with opioid use disorder (OUD) in general medical settings.
Through a face-to-face expert panel meeting and multiple follow-up conference calls, the workgroup drafted CDS algorithms for clinical care they deemed essential for screening, diagnosis, and management of OUD in primary care. This algorithm was reviewed by addiction specialists and primary care providers and revised based on their input.
The CDS workflow is described in detail in this paper (which is free to access online), and involves these steps:
- Make and/or confirm the diagnosis of a substance use disorder (SUD).
- Make the initial decision to assess the severity of the patient’s SUD.
- Present the indication for treatment to the patient and introduce the idea of pursuing treatment.
- Perform an assessment of the patient’s current readiness for treatment.
- Discuss potential options for treatment with the patient (the paper includes details on induction of office-based buprenorphine or naltrexone).
- Clarify the patient’s actual ability and/or willingness for referral to treatment based on appropriate and acceptable options.
- Make and follow through with the referral for the patient.
Conclusions: The current epidemic of opioid misuse and overdose has greatly outpaced the capacity of specialized treatment settings to manage it. A clinical decision support tool for OUD screening, assessment, and treatment within primary care systems may improve healthcare delivery and help address these issues. Further work for adaptation at specific sites and for testing is needed.


Zooey Deschanel and M. Ward are releasing their latest She & Him album Classics—13 covers of classic songs—on December 2 via Columbia. Today, they've shared the video for their version of Dusty Springfield's "Stay Awhile". It features Deschanel dancing with an invisible partner and Ward playing an invisible guitar while sitting on an invisible stool.
She & Him Dance With Invisible Partners in Their "Stay Awhile" Video
Playing invisible instruments in a beautiful home for their Dusty Springfield cover


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On Wednesday, Labour councillors in Rotherham set the Council’s budget for the next two years. This is another budget set against the backdrop of even further Tory austerity with even more cuts in the government grant to Rotherham Council. Over the next two years, Rotherham will have a £30m funding gap and by 2020 the total cuts to the authority will reach £200m.
Cllr Chris Read, Labour Leader of Rotherham Council, speech on the Council’s 2019 budget.
Colleagues – I want to start by thanking all the people whose hard work enables me to present this budget today; Cabinet colleagues who have worked hard and selflessly again to deliver the best possible proposals, our staff, especially in Finance, and of course Cllr Alam, who remains resolutely unflappable as we grind our way through some of the most difficult conversations that we have.
This is the fifth budget that I have presented to this chamber. Each year, the grim gruelling tide of Tory austerity reaches a little higher and a little further.
And as I set out last year, each year the steps that we take to hold off the worst effects from on those least able to afford it becomes more important.
A decade of austerity that means, by the end of the next two years, we will have been forced to find cuts and savings amounting to more than £200 million from the council’s budget. That’s nearly £800 for every man, woman and child who lives in the borough.
Only this week five of the biggest children’s charities in the country joined forces to slam what they called the “devastating and dangerous” funding cuts to Children’s Services across the country.
When I became Leader of this Council four years ago, there were a little over 400 children in our care. Last year that number hit 660.
And whilst, as members of this chamber know, that number has since fallen and we are taking steps to ensure that more vulnerable children are able to stay in a family setting, with the right support, if that’s the right thing for them – our primary obligation is to our children.
So as we set out our budget plans for the next two years, we are committing a total of £17 million more than was planned to ensure that we meet the needs of children in the council’s care.
In 2014/15, the net revenue budget for the Children’s Services directorate was £42.9 million. Next year it will be £65.4 million.
The number of agency social workers in our Children’s Services is now well below national average. Changes to our Early Help services are already well underway and our new pathway will ensure that children deal with fewer professionals, with fewer hand offs, improving their experience. We will reduce our costs over time, but we will do it in the right way, in a way that’s sustainable.
In Adult Social Care, we continue to follow the plans that we set out, maximising personal independence, working more closely with our partners in the National Health Service, building more specialist housing.
In our initial proposals, we put forward reductions to the funding for the contracts currently held by Healthwatch and Rotherham Sight and Sound, which together would have totalled nearly £90,000 next year.
We received strong representations during the consultation, including from service users, who expressed concern about this reduction and the impact they feared it would have.
We heard those concerns, and I can confirm today that we will continue to provide nearly £55,000 of that money, which I hope will allay the fears of those service users.
At every stage, we have strained to save the money we need without reducing the services that residents rely on. Take for example our plans for Customer Services.
Four out of every five people who signed up for the new garden waste service did so online – with three times as many people registering in the first wave as we had expected.
So it cannot be right, two decades into the twenty first century, that it you need a bulky waste collection from the council you can only do it by speaking to someone on the phone.
Our frontline street cleaning staff do a great job, in all weathers and often in very difficult circumstances, so why can’t we make their lives easier by allowing them to see the actual pictures of problems that people report?
The council’s website is outdated and too often people who use services are forced to repeat the same information to different services and departments.
It’s frustrating for them and inefficient for us.
So we are upgrading our IT, and we expect to launch a new council website in the autumn, making it easier for residents to use the services they want to, and reducing the cost of running them.
People’s expectations of their councillors have changed as well.
Good councillors have always been part of their communities, engaged in local issues, hearing local concerns, advocating of local solutions.
That’s why we took £30,000 out of our own pockets when we moved to the new Neighbourhoods model.
As a result, Wath councillors are investing to improve Montgomery Hall.
Rother Vale ward councillors are helping to secure a regular Afternoon IT at Treeton Community Centre.
Sitwell and Boston Castle members are doing their bit to tackle crime and nuisance on the Duke of Norfolk Estate.
In each area the issues might be different, but the need to work alongside our communities is the same.
So approval of the budget and financial strategy assumes the carry forward into 2019/20 of any remaining funds from the Community Leadership Fund and delegated Ward Budgets. This is in line with the agreed principle of the allocation of these funds for Neighbourhood Working that the funds are spent according to the priorities of Ward Members.
And as we build on the principle of locality working, we will bring forward proposals in the next few weeks to bring together the HRA funding currently allocated through the Area Housing Panels and challenge all of us to work more closely with our housing tenants to spend that money wisely to resolve local issues.
That proposal will mean additional resources in the hands of ward councillors in every ward to help deliver the ward plans they have set out.
And of course we continue to freeze councillor allowances in cash terms, keeping the council’s spend on councillors below the level it was over a decade ago.
We’ve heard through our Neighbourhoods work that speeding traffic is a growing concern, we are allocating an additional £450,000 of capital investment over the coming three years to address local concerns about speed limits and road safety.
Joining us in that work, South Yorkshire Police will also be making additional resources available for speeding enforcement.
And it shouldn’t stop there.
In needing to save money in Streetpride, we will remodel the service so that it is more focussed on providing the right services in each ward and locality. And we’ll integrate our Enforcement and Regulatory Services teams, building on the work that has already been done to co-locate staff with the police in Rawmarsh, Maltby and at Riverside.
Colleagues, we heard a few months ago the frustration of the family who have seen anti-social behaviour and vandalism to their memorial in Clifton Park. We will fund the provision of the CCTV that they demanded, and we will look wider, to see where else in the borough we may need to deploy cameras.
On all these things: CCTV, the Sight and Sound and Healthwatch funding, on road safety – and yes, in providing more free parking in the town centre every Saturday through the year – we have listened to what the public have said to us, and we have been able to respond.
But colleagues, we can’t always do it. Sometimes we have to do things that are difficult and unpopular, and the financial crisis facing local government only makes that situation worse.
I think the public understand that. As part of our budget consultation, 63% of the people who expressed a view told us that, in light of the £30 million funding gap we are facing, they would be willing to pay at least 3% more council tax in order to protect services.
We don’t make that proposal lightly.
Last year I said that the whole future of English local government hung in the balance. And despite the patching up from central government – some one-off funding here, a little more freedom to raise council tax there – it still does.
Within the next year, the government must decide how councils are going to be funded in the long term.
In the last week, the Institute for Fiscal Studies showed how their plan to remove deprivation from the funding formula moves even more funding away from areas like ours to wealthier parts of the country.
For us that could mean as much as a further 10% reduction in the assessed need per resident.
It’s the wrong plan, it would hurt those least able to afford it, and it betrays the consciences of those who are proposing it.
Which takes me back to where I started.
Last year Northamptonshire had just issued their Section 114 notice. They had run out of cash.
To those people who ask: why do we do it? Why keep making the tough decisions year in and year out? I say it’s because we know what happens if we don’t.
Just take Northamptonshire’s Children’s Services, now in their second period of government intervention. Hundreds of children reportedly waiting for months for social work assessments. Ofsted reporting that staff feel “overwhelmed” and “drowning”, with caseloads in some cases as high as fifty.
And my heart goes out to them. Because if anyone knows how that feels, we do.
And contrast that with the changes we have made here, because we’ve taken the hard road.
Ofsted regarding our services for the most vulnerable children “transformed”. Significant improvements in the response to child sexual exploitation, services for care leavers “outstanding”.
Of course, with our history, we will never be complacent. But we know who loses out the most when we back away from the responsibilities that the public gave to us. Always those who need the system to work the most. Always those whose voices are heard the least.
And on behalf of those people, Mr Mayor, we are doing all that we can to give certainty to our residents, our service users and our staff. This is our plan.
And I move.

domain: sociology


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Responsive email templates
Portmans is the fashion destination for metropolitan girls who like to stay on top. For up-to-the-minute looks that are fast, fresh and ever evolving.
My involvement was to work with the marketing manager to establish the requirements and the UI dev to establish the possibilities to create a suite of adaptable responsive email templates to enable the team I was managing to deploy marketing and promotional emails at pace, with variance and with assurance that they would render well.
- « Design portfolo /

domain: design


text:
I learned this recipe from a guy I met at a bar with a girlfriend (random I know but the universe works in mysterious ways haha). He was from Morocco and used to own a food cart in Portland. Somehow we got on the topic of food and he started telling be about all these incredible dishes that he makes. My mouth started salivating as he was passionately describing his favorite dishes. I couldn’t write fast enough to keep up with all his glorious culinary creations. I love the unique combination of Moroccan spices. I modified his recipe a bit and it turned out so good. I really love eggplant and am super excited to add this dish to my cooking repertory. Hope you will enjoy it as much as I did. Serve it as a side dish with the Moroccan chicken (teaser-recipe coming soon) or as a dip with cucumber. Delish!
Author: Samantha B. Johnson
- 1 Eggplant
- 1 medium heirloom tomato- chopped
- ½ jalapeño-finely minced
- 2 tbsp Garlic infused sesame oil
- ½ Lemon
- ½ tsp lemon rind
- ½ lemon- juiced
- ¾ tsp Salt
- ⅛ tsp Black Pepper
- ¾ tsp Cumin
- ¼ tsp Paprika
- ½ cup cilantro- chopped
- Cut Eggplant into cubes and boil for 25 min.
- When eggplant is nice and soft, drain water.
- Heat up a skillet to med/high heat and add garlic infused oil and throw in minced jalapeño. Let jalapeño infuse into the garlic oil bath for a few minutes.
- Add eggplant and chopped tomatoes along with all spices, lemon rind and lemon juice
- Stir spices in and mash eggplant letting tomato water cook off.
- Let eggplant sauté until it has formed a nice mash and water has cooked away. This takes about 25-30 min.
- Honestly, it is best served the next day. It gets better as it sits and cools you may have noticed that with soups as well. Something happens as it cools and the spices settle and interact with each other, the flavor deepens.

domain: food


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This event was featured in our 2017 program.
Inspired by the stories of Lake Pedder (now a man-
made diversion lake created for generating hydro-
electric power), emerging designer Paul Murphy has
created a series of extraordinary sea-stack inspired
sculptures. Made of styrofoam, they are intended to
appear as though they are rose quartz formations.