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Rising house prices are fuelling elder financial abuse: how accountants can help

Accountants are more likely to come across potential rather than actual abuse, says Stephen Jones CPA.

Booming housing prices and longer life expectancies are fuelling “inheritance impatience” and leading to financial abuse of the elderly, so accountants need to be on the alert for these problems.

Updated 5 June 2018

Strong property prices are making the great Australian dream of home ownership more like a cruel taunt for many young adults, but behind stories of many Gen Ys’ distress about being locked out of the housing market lies a more disturbing social ill.

“Spiralling house prices are fuelling rising levels of elder financial abuse in Australia,” says Dr Graham Hill, chairman of National Legal Aid, the peak body representing legal aid commissions nationally.

Young adults are now “circling their parents expectantly” a 2017 survey of 1000 Australians found. Twenty-six per cent of Gen Ys said they had to, or would need to, rely on an inheritance windfall to purchase the home they wanted, according to the survey commissioned by Slater and Gordon Lawyers. The pattern was most pronounced in NSW, presumably because of its high property prices.

Watch the video: Protecting your clients from financial elder abuse

Financial pressure on parents

Hill says that legal aid lawyers regularly deal with the fallout from the “enormous pressure” that some children place on elderly parents. The four most common scenarios they encounter are:

  • Adult children pressuring older people into guaranteeing enormous loans, or to use their own home as security, without understanding they will be legally liable for the debt if the borrower defaults.
  • Adult children pressuring aged parents to provide funds to make a deposit on a house, using access to grandchildren as a bargaining tool. “Mum, if we can’t get funds to complete our deposit and get a guarantor for our loan, we’ll have to move interstate.”
  • Both parent and adult child selling up and buying a house together. The parent later discovers that his or her name is not on the title, leaving them stripped of assets.
  • Adult children moving into the parent’s home and refusing to move out. In some cases, vulnerable parents are unable to free themselves of an abusive son or daughter who insists on living rent-free.

The importance of independent advice

This problem will only worsen, warns Hill, unless lenders are required to ensure older Australians have independent legal and financial advice before agreeing to help their children.

In June 2015 CPA Australia launched a toolkit designed to help accountants prevent and detect elder financial abuse (EFA).

Accountants are more likely to come across potential rather than actual abuse, says Stephen Jones CPA, partner of ATM Consultants and a former member of CPA Australia’s EFA task force.

Dr Graham Hill.“It often happens unwittingly, because all the people involved don’t understand the implications,” he says.

Jones gives the example of a client who needed a business loan and made his grandmother a director of the company to improve the financial profile of the business.

When the company was going through financial difficulties, she was not aware of the dangers for her, which could include the creditor suing the directors if the company traded while insolvent.

Another common scenario that opens up the opportunity for misuse of elders’ funds is when the older parent hands over their ATM pin number or online banking password to their adult child.

This arrangement can work well when the adult child is trustworthy. However, it’s easy to stray into criminal financial advantage by deception if the adult child starts withdrawing money for their own purposes, says Hill.

Listen now: CPA Australia podcast: Financial abuse of older people

How accountants can help prevent elder financial abuse

One of the most important roles accountants can play in preventing elder financial abuse is ensuring appropriate documentation of any parent-child agreements, and making sure their clients are fully informed on the risks and potential implications.

This involves asking the uncomfortable “what if” questions that families don’t like to consider.

In the case of so-called “assets for care” arrangements, where the parent sells their property in exchange for being cared for into old age, accountants can ask, “What if you don’t actually enjoy living with your kids, or they are unable to provide you with the care you need?”

Raising an alert of financial abuse is not an easy step to take, especially when the adult child is well-intentioned.

“If they think you are trying to blame or accuse them of doing something wrong, the conversation won’t go well,” says Jones.

Strategies for conversations around potential elder abuse

The CPA Australia toolkit offers a helpful strategy – make the issue about you and your professional obligations, not about them.

For example, if talking to a client who is a potential victim, accountants could say, “I am obligated by my professional conduct rules to ensure that you are aware of the disadvantages of this transaction.”

Stephen JonesOr, if talking to a client who may be perpetrator, the accountant could say, “It may be highly detrimental for me if I were found to be involved in any way, as this may be unlawful.

Here are some options for going about this which are not unlawful.”

Accountants often act for both older parents as well as their adult children, so potential conflicts of interest can arise.

Advising one or both parties to seek independent advice is one way to address this.

With Australians living to unprecedented ages and increasingly expected to fund their own aged care, it has never been more important to help vulnerable older people protect their assets, and to respect their right to favour family over money.

Professional Development: CPA Q&A. Access a handpicked selection of resources each month and complete a short monthly assessment to earn CPD hours. Exclusively available to CPA Australia members.

5 red flags signalling heightened risk of elder financial abuse

Be on the alert and ask more questions if your client is:

  • vulnerable
  • displaying reduced capacity
  • has poor physical or mental health, including disabilities
  • dependent
  • isolated

Ethical considerations for accountants

  • Avoid conflicts of interest
  • Maintain your client’s confidentiality
  • Avoid contributing to the perpetration of unlawful acts
  • Ensure your client is well informed; give comprehensive advice
  • Ensure your client understands the advice, and has capacity to act
  • Be respectful: with older clients, beware of ageism and making an assumption that, because the client is old and perhaps frail, they are not capable of making a valid decision
  • Your client’s best interests come first

Read next: Financial abuse of elderly: what accountants can do

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August 2021
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25 Years of Satellite Data Uncover Alarming Error in Sea Level Measurements

Climate change is worsening faster than we thought.

Flickr / NASA Goddard Photo and Video

The Earth is changing in ways that could cause an actual mass extinction during our lifetimes. In recent years, scientists have made it abundantly clear that humans are driving climate change, but what they’ve only recently found out is how quickly we’re making the Earth more inhospitable. In a new study published Monday in Proceedings of the National Academy of Sciences, they report that the rate at which the climate is getting worse is actually increasing each year.

In the paper, a team of climate researchers shows evidence that global sea levels are rising at an accelerating rate. Scientists previously thought that sea level rise was constant at 3 millimeters per year or even slowing, but this new study, first authored by R. Steven Nerem, associate director of the Colorado Center for Astrodynamics Research, shows that the annual global average sea level rise has increased by about 0.08 millimeters each year.

Climate researchers say global sea level is rising at an accelerating rate, contrary to previous research suggesting a stable rate.Giphy

Sea level rise is a combination of water expanding as sea water temperatures rise and water levels rise as long-frozen glaciers melt and join the oceans. Climate change has exacerbated both of these factors, and this new research suggests that the effect is larger than previously predicted.

Previous calculations were off because of a combination of miscalibrated instruments and unique environmental factors, write the researchers. For example, the satellite TOPEX/Poseidon was launched in 1992 to measure ocean topography, but the year before that, Mount Pinatubo erupted in the Philippines. These seemingly unconnected events actually interacted in a strange way. That eruption caused a modest decrease in global mean sea level, which made the first years of TOPEX/Poseidon’s measurements show a deceleration in sea level rise.

Mount Pinatubo's eruption in 1991 threw off the satellite that measures sea level rise.Flickr / Yabang Pinoy

The next 25 years combined minor calibration errors in tide gauges and other satellite altimetry equipment, which ultimately averaged out to show a misleadingly steady increase. As part of the new study, the researchers corrected for this statistical noise, showing that the rate of sea level rise actually slowly accelerated over this time period.

A 0.08-millimeter annual rise sounds small, but over many years it will add up to a big difference. By these calculations, global sea levels could rise by up to 77 centimeters by the year 2100.

This could worsen coastal flooding, which was already predicted to get more severe when scientists predicted it at previous sea level measurements.

The new PNAS study comes hot on the heels of another study, published in December 2017, which also shows evidence that scientists have underestimated sea level rise. In that study, researchers say satellite altimetry is insufficient for measuring increased water volume because the seafloor is also sinking.

With these two papers, the case is becoming clearer that climate change research is constantly being refined and corrected, and as that happens, the picture becomes increasingly dire. Let’s see what we find out next.

Abstract: Using a 25-y time series of precision satellite altimeter data from TOPEX/Poseidon, Jason-1, Jason-2, and Jason-3, we estimate the climate-change–driven acceleration of global mean sea level over the last 25 y to be 0.084 ± 0.025 mm/y2. Coupled with the average climate-change–driven rate of sea level rise over these same 25 y of 2.9 mm/y, simple extrapolation of the quadratic implies global mean sea level could rise 65 ± 12 cm by 2100 compared with 2005, roughly in agreement with the Intergovernmental Panel on Climate Change (IPCC) 5th Assessment Report (AR5) model projections.

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Can Tech Continue to Drag the Rest of the Market Higher?

Sharing is Caring!

The stock market is up this morning on “start of the month” buying for pension funds and other large financial institutions.

The S&P 500 did manage to close above resistance (red line in the chart below). However, it is struggling to move into “the gap” established by the first leg down of the March meltdown (blue rectangle in the chart below).

The bigger issue concerns the fact that the market is being largely driven by tech stocks. Financials, industrials and healthcare stocks, which comprise over 50% of the S&P 500 have effectively gone nowhere for several months now.

Meanwhile Tech stocks have exploded higher, soaring to new all-time highs.

Why is this?

Because the large tech stocks (Microsoft, Apple, Amazon, Facebook) are where central banks are buying.

Together these companies account for nearly 20% of the stock market. And if central banks can get them to rally, the rest of the market will follow.

Put another way, if you were going to rig the market, these are the companies you’d be buying.

And with the same stocks moving higher day after day like clockwork, it’s pretty clear it’s central banks doing the buying.

At the end of the day, it all boils down to what I’ve been saying since 2017… that the Fed is trapped in a vicious cycle through which it INTENTIONALLY creates bubbles to deal with each successive bust.

We had the Tech Bubble in the ’90s.

The Housing Bubble in the mid-00s.

And now the Everything Bubble in 2020.

On that note, we’re putting together an Executive Summary on how to play this move.

It will identify which investments will perform best during the Fed’s next bubble, including a unique play that could more than double the performance of the S&P 500.

This Executive Summary will be available exclusively to subscribers of our Gains Pains & Capital e-letter. To insure you receive a copy when it’s sent out, you can join here:

Best Regards

Graham Summers

Chief Market Strategist

Phoenix Capital Research

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ATS Le Grandiose, Sector 150 Noida Expressway, Noida

For3 BHK For4 BHK
Builder Name ATS Group
Project Type Residential New Launch
Project Name ATS Le Grandiose
Project Address Sector 150 Noida
Project Area 10 Acres
Price 68 Lac- 134 Lac/-
Unit Size [Sq.ft] 1625 Sq.ft , 2300 Sq.ft , 3200 Sq.ft , 2000 Sq.ft ,
Possession [approx] December 2019
Number Of Tower 13
Number Of Unit 897
Rera Number UPRERAPRJ3250 (PH-1) and UPRERAPRJ14316 (PH-2)
Architecture Name Hafeez Contractor
Bank Approved Indiabulls, Corporation Bank, HDFC Bank, Axis Bank, Syndicate Bank, Canara Bank, PNB Housing , LIC Housing ,

ATS Group of Builders launched its 2nd high-end luxury housing project at sector-150, Noidas real estate hub. The ATS Greens developer is well-known for their product quality and trustworthiness in Delhi NCRs prime residential market. Spacious, elegant homes with extraordinary building design being developed among the pollution-free rich green environment make you live close to nature. Le Grandiose is an eco-friendly concept based project comprising low-density layout and large spread rich greens creating a perfect living environment. Here, each housing unit crafted to provide maximum exposure to the meticulously planned natural landscape. These environment-friendly homes come with open interiors with maximum ventilation/sunlight intake, optimum space utilization plan, and large spacious balconies open towards the eye-soothing green landscape. This project built with cutting-edge technology, earthquake-resistant structure, and Feng-shui inspired building designs. In this premium luxury project, ATS Infrastructure presents a superb display of advanced designing where the physical form and performance entirely in sync with each other.

ATS Le Grandiose offers you the magnificent living paradise with a plethora of unmatchable benefits. Here, you can choose from extensively planned 3 BHK and 4 BHK apartments complemented by an array of world-class luxury amenities. It has an excellent list of luxuries consists of outdoor sports infrastructure, fully-equipped fitness center, jogging park, swimming pool, and kids play zone. The provision of well-furnished clubhouse and banquet space facilitate the necessary event space for residents. Besides these, you can avail the luxury of unique specifications such as modern high-speed elevators, 24-hours power supply with backup, continuous water supply, high-end security system, and adequate vehicle parking space. Such a smartly planned residence in strategically important location gives you maximum value for money choice which is hard to find in the market. When we talk about the location, Le Grandiose undoubtedly has the one of Delhi NCRs superior real estate destination in the form of Yamuna Expressway.

ATS Le Grandiose

FLOORING : Vitrified tiles flooring in living, dining & lobby. Wooden/Vitrified tiles flooring in bedrooms, vitrified tiles in kitchen, utility room and ceramic tiles in toilets. Staircase & landings to be in marble/kota/terrazzo flooring. Balconies will be in anti-skid ceramic flooring.

DADO DADO : Glazed tiles of required height in toilets & 600 mm height above kitchen counter slab in appropriate colour & paint.

EXTERIOR : Appropriate finish of exterior grade paint.

RAILINGS : All railings will be in MS as per design of the architect.

PAINTING : Oil bound distemper of appropriate colour on internal walls & ceilings

KITCHEN : All kitchen counters in pre-polished granite/marble stone, electrical points to be provided for kitchen chimney & hob, washing machine and refrigerator. Kitchen will be provided with modular cabinets of appropriate finish

DOORS & WINDOWS : Flush doors-polished/enamel painted; Stainless steel/Brass finished hardware fittings for main door & aluminium power coated hardware fitting and locks of branded makes. Door frames and window panels of seasoned aluminium/UPVC sections.

PLUMBING : As per standard practice, all internal plumbing in GI/CPVC/Composite. All external in CI/UPVC. Automated irrigation system.

TOILET : Premium sanitary fixtures, premium chrome plated fittings.

ELECTRICAL : All electrical wiring in concealed conduits; provision for adequate light & power points. Telephone & TV outlets in drawing, dining and all bedrooms; moulded modular plastic switches & protective MCBs. HVAC Split AC in living room, dining & all bedrooms.

LIFT : Lifts to be provided for access to all habitable floors.

GENERATORS : Generator to be provided for backup of emergency facilities, i.e. lifts & common areas with adequate diversity

CLUBHOUSE & SPORTS FACILITIES : Clubhouse with swimming pool to be provided with his/her change rooms, well equipped gym, indoor & outdoor games areas, multi-purpose hall and jogging track.

STRUCTURE : Earthquake resistance RCC framed structure as per applicable seismic zone.

SECURITY & FTTH : Provision for optical fibre network; video surveillance system, perimeter security and entrance lobby security with

CCTV :  cameras. fire prevention, suppression, detection & alarm system as per fire norms.

Reserved Car Parking Visitor Parking Swimming Pool & Kids Pool 24/7 Power Backup Lifts Club House Security Gym Jogging Track Modern Community Hall Park CCTV Surveillance Hi-speed Elevators Shopping complex Badminton Court Tennis Court Vaastu Friendly Layout 24x7 Soft Water Supply Solar Lighting Aerobics Centre Basketball Court Yoga/Meditation Area Amphitheatre Business Lounge Sauna Water Softener Plant Rain Water Harvesting

Unit For Sale

Related Projects


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A health worker pulls out a capsule to treat patients infected with coronavirus (Covid19) towards an ambulance outside the XE Medica, a company which provides medical equipment and services, in Mexico City. Reuters
A health worker pulls out a capsule to treat patients infected with coronavirus (Covid19) towards an ambulance outside the XE Medica, a company which provides medical equipment and services, in Mexico City. Reuters

Covid-19: Lesotho seals borders amid infection fears while SA tourism suffers

By Lungile Matsuma and Nady Weitza Time of article published Mar 13, 2020

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With the expected return of South Africans based in Wuhan, China, this morning, neighbouring Lesotho has allegedly sealed its borders in an attempt to prevent the Covid-19 pandemic from crossing them.

The Mountain Kingdom is the first African country to take a cue from the US that issued a Europe travel ban.

Over 100 South Africans who live in China are expected to land in a chartered plane this morning before being taken to quarantine at Protea The Ranch Hotel in Polokwane, Limpopo.

The people will be quarantined at the hotel for between 14 and 21 days.

The Lesotho government has taken drastic measures to close all its borders. While the mountain kingdom is halting travel, the Chinese embassy in South Africa says it has continued giving out visas to locals.

On Tuesday, Lesotho’s principal secretary and national contact point Tsolo Motena sent communication to the Southern African Development Community (SADC) to inform it on the decision to close its borders.

“This correspondence serves to inform the SADC secretariat that the Lesotho government has suspended all travel from and into Lesotho,” the statement read.

She added that this was imposed as a precaution against risk of infection by the coronavirus.

The Star called Motena’s office and was informed that the decision was not final. Once confirmed, Lesotho will join countries like Italy and the US to have restricted travel as a result of the virus.

Yesterday, the National Department of Health confirmed three new cases of the disease, taking the number up to 16.

Mpumalanga recorded its first case. A man in the Free State was thought to be infected after being in contact with a Chinese businessman. Tests cleared him.

Despite the increase in pandemic numbers, the Chinese embassy said the disease had not quelled people’s desire to visit the Asian country.

Embassy spokesperson Du Ping said that despite the novel coronavirus outbreak, visa applications were being processed as usual.

“It is also happy to note that there are no travel restrictions on our two countries, and the people-to-people exchanges remain smooth even during this harsh period,” she said.

“We are standing firmly with South Africa to jointly prevent and control the spread of the epidemic and win the global battle between humans and nature,” she said.

On Thursday, The Star reported that Bruma Oriental Mall and Dragon City in Crown Mines were already facing challenges due to the coronavirus, which had forced 10 shops to close.

The United Herzlia Schools in Cape Town have suspended classes for a week and the King David High School in Linksfield has told pupils who stay with relatives who had travelled to Europe to remain home for 14 days as a precaution after a parent tested positive for the disease.

This week, Tourism Minister Mmamoloko Kubayi-Ngubane said the local tourism industry was undergoing a severe crisis.

“The outbreak of the coronavirus in December 2019 has already affected the tourism industry very negatively and this will continue until the world finds a way of containing this virus,” she said.

Kubayi-Ngubane said should there be an increase of cases, the sector would have to consider closing popular tourist attractions, leading to closure of businesses and possibly severe job losses.

“In this scenario, the industry takes an extended period to recover.”

She also added that if cases grow rapidly in the country and the virus spreads to the SADC region and most of sub-Saharan Africa, it may prompt countries in the region to seal their borders.

“In this scenario, the global economy descends into a recession and our country’s economy suffers significant contraction for the year 2020.”

However, the minister said post the virus, work will be doubled to restore the country’s brand and to promote South Africa as a tourist destination of choice.

“We will reduce spending on marketing, especially global marketing given that in the current environment we are unlikely to make the impact we want with our marketing initiatives. We will conserve the funds for use in the future to reposition the country through various programmes including incentives and mega events,” she said.

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Ethical Framework Of Coaching

1594 Words7 Pages
Definition of Coaching Coaching is well known in sport. Any successful sportsperson or sports team usually works with a coach to achieve a better performance. However, it is also adapted and developed as a discipline in relation to other aspects in life. “Coaching is establishing with the client what their reality is today. Then clearly defining what are the client's aims or intentions for the future. The Coach works with the client to produce a plan of action that the client can follow with confidence” Coaching & Mentoring International (CMI) According to Downey 1999 coaching is “… the art of facilitating the performance, learning and development of another”. It is also linked with the field of executive development exemplified in such…show more content…
(Executive Couching Forum 2008) Conducted through one-on-one and/or group interactions, driven by data from multiple perspectives, and based on mutual trust and respect. (Executive Couching Forum 2008) An ongoing partnership that helps clients to produce fulfilling results in their personal and professional lives. Through the process of coaching, clients deepen their learning, improve their performance, and enhance their quality of life. (International Coaching Federation (ICF)) Ethical Framework in Coaching • working to a recognized code of practice • working with clients appropriate to their skills • making referrals to other professionals when appropriate • have appropriate insurance. It is recommended that a more experienced professional supervise their work in some way. The ICF code of ethical practice includes • consideration to professional conduct • confidentiality and privacy • avoidance of conflicts of interest • pledging accountability to work Some of the other bodies also have codes of ethics which…show more content…
The Constructionist Principle. Posits that knowing and becoming are interwoven. Many believed that as the world gets more and more complex, the relevance of imperial trust diminishes. This implies that there are, in reality, not very many generalizations people can make, or sure predictors of repeatable interactions. However, we are sure that the recognition and acknowledgement of who a person is now and how she became who she is now is a strong predictor of who she can and will become. 2. The Positive Principle. Positive attitudes, actions and connections influence a long-term change. The more positive all these elements remain, the longer lasting the change will be. 3. The Simultaneity Principles. Inquiry and change happen in the same moment according to this approach. In other words, the future happens in and as a result of the present. The kind of questions we ask set change motion in a particular direction. Careful questions create the foundations for what the coach and client discover, and those discoveries become the foundation of dreaming and designing clients’

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100 MW Dongbu offshore wind park

Current project stage

Project summary

The Dongbu wind park project in South Korea involves the development of an offshore wind facility with floating foundations and a total capacity of 100 MW.

Organizations involved in the project

* The information available in this section may vary depending on the project.

List of the updates in which the project was involved

Project updates

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Making your home safe for the elderly

Making your home safe for the elderly

In recent years, Australia’s ageing population has been getting a lot of public and government attention, especially in providing adequate and appropriate care to improve the quality of lives of elderly citizens.

Aged-care residence, also known as ageing-in-place, has seen a lot of improvements and has become popular since it has lived-up to quality standards, especially in providing an environment where it has become safe and convenient for senior citizens in aged-care homes.

In fact, there have been 71,400 senior Australians who have availed of home care in 2017, which represented an increase of 84% in the past 10 years.

What’s the difference?

Whether it’s you or your beloved elders, the need to ensure a safe and manageable living or hospice environment is critical to avoid accidents or injury.

Accidents can happen at any time and when you least expect it, no matter where you are and even inside your own home. You may have undertaken some child-safe measures previously, however, what may be safe for your youngsters could be potentially risky or even dangerous to the elderly, particularly since everyday activities become more challenging.

Whether it’s a remote facility or your very own home, making sure living spaces for senior citizens must be safe and well-maintained.

But there’s good news, it’s not very difficult to make your home safe for the elderly as you might think. In fact, all it takes is some basic safety knowledge and taking precautionary measures to make your place safe for the elderly.

Points of entry

This is the most important part of the house that needs to be modified. Ideally, passageways such as doorways and entrances need to be wide enough to allow wheelchairs to go through and ramps instead of steps with non-slip surfaces to prevent rubber wheels from slipping or sliding. If doors are needed, make sure these can be opened from both sides.

If wheelchair access is not necessary, make sure there are railings on the walls or passageways for support.

As much as possible, avoid uneven surfaces on any approach leading to entrances, as people grow old, the ability to maintain balance also decreases so it’s better to make sure the floors maintain an even surface, especially along entrances.

Living area

The living room is one of the most adored comfort zones in a house but you may not be aware that there are certain areas that can be potentially harmful to the elderly.

Loose floor rugs that can be a tripping hazard, a coffee or book table with jagged edges, low couches that make it difficult to get up from a seated position and dim lighting that make it hard for people with vision issues.

Changes to structures may not be necessary, but would mostly require some changes in furniture and fixtures that could support those with weak muscles and deteriorating vision. Also, make sure to avoid slippery floors by installing non-slip rubber mats.

Increase the height of couches to match the level of comfortable seating and ease of movement in sitting down or getting up.

Make sure tables and chairs have rounded edges to minimise injury in case of an accidental fall or trip.

Bathroom and toilet

The bathroom could be one of the trickiest areas of the house where it could be prone to accidents since shiny tiles and wet floor increase the risk of slipping, or getting in and out of the shower can also be dangerous.

Make sure to install rail support in risk areas such as the shower, beside the loo, and on the bathroom walls.

 Shower heads need to be within arm’s length and easily adjustable when used by an elderly person, especially if they prefer to wash in private.

Whenever possible, refrain from letting elderly people use a bathtub unassisted to avoid accidents.

It is important to also remember that the bedroom has a couple of other requirements to consider.

The bed height must be at a convenient level where it is easy for an elderly person to lie down or get up from. The bed must be situated in an area not too far from the door where a bedside lamp table with a handrail installed can be ideal.

The kitchen is also a key area that needs safety attention, since it is potentially has a lot of hazards for the elderly such as liquid spills, hanging pans, gas lines, etc. Here are some of the most common precautions that must be considered;

  • When possible, install automatic shut-off timers for all kitchen appliances, including stoves or ovens. This is a good way to ensure that these appliances have shut-off mechanisms to prevent accidents.
  • Always make sure the tiled floors are always kept clean and dry. Non-slip mats can also be installed around the kitchen floor.
  • Ensure that cupboard doors are easily opened with less effort or strength required. Doors or drawers that require a certain amount of effort could harm seniors in the kitchen.
  • Make food items accessible and within reach in the kitchen pantry or cupboard.
  • Make sure that crockery and cutlery are properly stored and must be kept in separate compartments yet manageable areas to avoid getting cut or injured by falling pots or pans.

Make sure that you carefully assess your home by checking on these practical safety tips when having an elderly person in your care. You are not just ensuring that they can manage their way around the house, but would also improve their quality of lives.

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[A18-14] Ixekizumab (psoriatic arthritis) - Benefit assessment according to §35a Social Code Book V

Last updated 16.08.2018

Project no.:

Commission awarded on 20.02.2018 by the Federal Joint Committee (G-BA).

Report type:
Dossier assessment

Commission completed

Drug Assessment

Application field:
Muscles, bones and joints

Patients with active psoriatic arthritis who have responded inadequately to, or who are intolerant to one or more disease-modifying anti-rheumatic drug (DMARD) therapies

Result of dossier assessment:

Patients who have responded inadequately to treatment with a conventional DMARD or a bDMARD: added benefit not proven due to lack of data. If first bDMARD treatment is indicated: hint of minor added benefit

After completion of the assessment by IQWiG the Federal Joint Committee (G-BA) conducts a commenting procedure. This may provide supplementary information and as a result lead to a modified benefit assessment. Further information and the decision on the early benefit assessment can be found on the relevant page of the G-BA website.

Accompanying information

Further information for consumers and patients is provided on IQWiG's health information website www.informedhealth.org.

Federal Joint Committee (G-BA)

2018-08-16 A G-BA decision was published.

G-BA documents on this decision

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The last two months have been surreal in this crazy lockdown world that we live in.

We have seen an avalanche of old GAA games played over and over again – nice for those involved, and all their families and friends can reminisce over great wins or the ones that got away.

It’s been a pretty busy time with so many people in so many media outlets picking lists of great players surveys of who’s the best here, who’s the best there. The lists have been here, there and everywhere.

Amid all the hullabaloo about all the supposedly great players of Gaelic Football, the real heroes were the selfless unsung players who battled for years with virtually little or no success or recognition.

These guys have been totally forgotten in the lexicon of our game.

It’s been a pretty lonely time for many of these great men who played the game so brilliantly but, through no fault of their own, were on teams that gave their all but just weren’t good enough to win provincial championships or All-Irelands.

Our Gaelic Games can be very one dimensional in one way – the format over the years of the Championship has meant that the winners take all the glory and all the headlines while many a brilliant footballer in the so-called weaker counties received little except abuse.

Back in the day, football was a thankless task for many. It was a case of using a player for as long as you can, then throw him on the scrap-heap when he’s done – then go and get another one and repeat the process.

Wicklow's Hugh Kenny

It meant that many of the unsung heroes in those counties that struggled to make any impact or impression in the league or championship may never have got as much as a phone call to say thanks when they were no longer wanted or needed.

I was lucky to play against many, many great players from those so-called weaker counties – and there are many l hold in very high regard.

I was just lucky to have been around when my county, Meath, were challenging for – and winning – Leinster titles and All-Ireland. l was in the right place at the right time.

So it gives me great pleasure to compile a team of players from 1-15 who impressed me greatly during my own playing days – and yes, of course there are two or three more for each position who are also deserving.

These brilliant players never received the air time or column inches their talents deserved but when you go through the list you’ll see it’s a team with a great mixture of heart, commitment and skill.

Obviously this is only very small recognition for their efforts at inter-country level, but it’s my own tribute as I regard with great fondness and admiration all of these players.

The Line-up

Some readers will wonder why some great players have been left out – players like Gene Sherry, Fergus Caulfield, Nudie Hughes, Ciaran Murray, Kevin O’Brien, Colm Browne, Frankie Griffin and Francis McInerney.

And that’s to mention but a few.

These players won provincial championships, All Stars – or both. They achieved real success personally or with their team.

I tried to look back at players I had seen up close and personal, players l really admired.

l spent the last two weeks delving deep into my mind on how I honestly felt about these players and it was hard to leave out so many others.

I went back to when l played and I remember standing back and admiring all the above players at some stage or other.

Yes, some people will disagree with me on one or two of my choices, and that’s fine. It’s good, healthy debate.

Longford's Dessie Barry

But no-one can argue with the quality and class that each and every one of the players selected here possessed.

Some were warriors, some were Trojan workers and some had class to burn.

This is something I’ve wanted to do for a while and just because they’re not dripping with All Stars, provincial and All-Ireland medals makes them no lesser players in my eyes.

On their day, they were all a joy to watch – and also incredibly hard to play against.

These mighty men – and many more like them – are the real heroes of the GAA. There are many more decorated players who wouldn’t lace their boots.


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Expert Commentary

Attorney Fee Award Approved Based on Incorporated AAA Rules

When you enter into a construction contract or professional services contract with mandatory arbitration under the rules of the American Arbitration Association (AAA), a recent Missouri Court of Appeals opinion should cause those reviewing and refining the agreement to look at the details more carefully to make sure everyone knows what they are really agreeing to.

Design and Professional Liability
May 2015

In City of Chesterfield v. Frederich Constr., 2015 Mo. App. LEXIS 439 (Mo. Ct. App. Apr. 21, 2015), the Missouri Court of Appeals confirmed an arbitration award that included the award of attorney fees absent a contract with an attorney fee provision, statutory authority, or "special circumstances." The arbitrators found the authority to award fees under the rule was incorporated into the parties' contract.

The contract between the owner and general contractor on this project contained a provision that all disputes between the parties would be subject to arbitration under the Construction Industry Arbitration Rules of the American Arbitration Association. Those AAA Rules incorporated into the contract provide that arbitrators may award attorney fees "if all parties have requested such an award or it is authorized by law or their arbitration agreement." Rule R-45(d)(ii).

When disputes arose on the project, the parties submitted the disputes to the AAA for arbitration in accord with the contract. In the final award, the arbitrators found in favor of the contractor and awarded the contractor attorney fees of just under $280,000. The arbitrators noted that there was no contractual provision authorizing the award of attorney fees, there was no statutory authority to award attorney fees, and there were no "special circumstances" that would justify the award of attorney fees.

The arbitrators decided that they were authorized to award attorney fees because the parties' contract incorporated the AAA rules, and the AAA rules stated that the arbitrators could award attorney fees. On review, the Missouri Court of Appeals agreed.

The Court's Reasoning

The contractor's demand for arbitration requested that the arbitrators award it attorney fees. The owner also requested attorney fees twice in its filings. It requested attorney fees in its prayers for relief in its amended answer and in its counterclaim. However, the owner argued that the prayers for attorney fees were merely boilerplate and that they did not constitute prayers for fees that would trigger R-45(d)(ii). The prayers by the parties led to the conclusion that "all parties have requested such an award," which is one of the options within the rule.

The Missouri Court of Appeals held that, in light of its standard of review, the only question it could resolve was: Did the arbitrators decide an issue that was within the scope of the parties' agreement? In this instance, the Missouri Court of Appeals decided that it did.

The court held that, by incorporating the AAA rules into their agreement, the parties made the rules as much a part of the contract as any other provision. Once both parties requested attorney fees, that was sufficient to trigger the application of R-45(d)(ii). The decision was up to the arbitrators to decide if the conditions of the rule were met. Because the arbitrators determined the issue, the courts would not vacate the decision—even if the court would have decided differently.

The Missouri Court of Appeals noted that, if it were permitted to review the arbitrators' decision on the application of R-45(d)(ii), it would agree that the award of attorney fees was proper.

Practice Tip

This holding reminds us that caution needs to be exercised when incorporating documents into our agreements and when filing documents with the AAA. As this case demonstrates, a party can unintentionally trigger the award of attorney fees, though such relief is absent from the contract and is not provided by statute.

The incorporation of the AAA arbitration rules into contracts and, in particular, in construction contracts, suggests this opinion has some unwieldy implications. The award of attorney fees may become common even where the drafters of the contracts implicitly deleted fee-shifting provisions, but include rules like the one at issue here.

Opinions expressed in Expert Commentary articles are those of the author and are not necessarily held by the author's employer or IRMI. Expert Commentary articles and other IRMI Online content do not purport to provide legal, accounting, or other professional advice or opinion. If such advice is needed, consult with your attorney, accountant, or other qualified adviser.

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Ladies and gentlemen, I present to you not one….. but two NEW DVDs shot live without a net in Sunnyvale CA.

Do you want to learn  how to use the old-time strongmen’s methods to take your own training to levels you hadn’t imagined? This DVD is a combination strongman show, history lesson and philosophical discourse on the principles of getting stronger. Click HERE to get your copy.

Included in this volume:

– What is strength?
~Some of the record lifts that remain unbroken decades later
~How these men trained to get so strong
~And why we should pay attention
~Modern performing strongmen training methods

Demonstrations of nail, spike and horseshoe bending, grip feats, the public debut of the signature feat the Hammer Getup,  and powerful demonstrations of singular focus.

Want to make your Getup better?

In the RKC, we use the kettlebell as a tool to teach movement.  The getup is the foundation for ALL grinding kettlebell lifts. In this volume, I break it down into essential elements. Apply what is on this DVD and I promise your Getup will improve dramatically . Plus there are tips for other overhead work such as Military and Bent Pressing. Click HERE to get your copy  if you are ready to deepen you skill at the getup.

~ A step-by-step breakdown of the bent press
~ Bent press partner drills
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~ Bridging
~ The armbar and the crooked armbar
~ A thorough analysis of the getup
~ How the getup is fundamental to all pressing  and overhead movements

Discussion of  mobility and stability needs of the getup, how to assess these, and how to gain more of both. You’ll learn how the lats and glutes work together, and how the getup resembles gait — and how to fix it when it doesn’t.

Click the links above to get either of them….or go HERE and grab BOTH

And don’t worry, there are plenty of copies to go around!


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Measurement of Knee Stability: Is It Important in Football?

Moises Cohen, MD, PhD, Prof., BRAZIL João Espregueira-Mendes, MD, PhD, PORTUGAL Christophe H. Hulet, MD, Prof., FRANCE Ryosuke Kuroda, MD, PhD, JAPAN Volker Musahl, MD, UNITED STATES Stefano Zaffagnini, MD, Prof., ITALY Jesus Ignacio Cardona-Munoz, MD, MSc, MEXICO

Symposium   2019   group rating (2)

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Diagnosis / Condition

Diagnosis Method

Upon completion of this session participants will be able to understand the different methods for measuring knee stability and how to manage unstable knees, all in the context of football players.

This media is available to current ISAKOS Members and Global Link All-Access Subscribers only.


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$ £

18ct Sapphire and Diamond Daisy Cluster Ring

£285.00 GBP

A vintage 18ct Gold sapphire and diamond cluster ring.

Fully hallmarked for 1999 London 18ct Yellow and white gold.

UK ring Size N

US ring size 6 1/2

A natural sapphire (4mm diameter) surrounded by brilliant cut diamonds (0.20ct total approximately).

Face of ring is 9mm in diameter.

Beautiful clean condition.

Box in images not included. Will be sent gift wrapped with free international shipping.

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Fall Home Exterior

4 Reasons to Purchase an HVAC Maintenance Agreement in Opelika, AL

November 25, 2020

As the weather turns cooler, it’s a great time to look into a maintenance agreement for your HVAC system. Here are some of the reasons to consider signing up for an HVAC maintenance agreement for your Opelika, AL, home.

Schedule Tune-Ups for Optimal Heating and Cooling

Maintenance agreements include a regular schedule of tune-ups. During these visits, a technician will inspect, clean and service your system. Regular maintenance means both a longer lifespan and more efficient performance from your HVAC system.

To save the most money for the year, we typically schedule tune-ups for the fall and spring, right before the seasons when your units work their hardest. This helps your HVAC system to perform optimally throughout the peak heating and cooling seasons.

Keep Your Warranty Valid

Many HVAC warranties require regular maintenance by a trained professional as a condition to honor the agreement. A maintenance agreement provides a record of regular tune-ups, so your warranty remains in force if you ever need it. Depending on the warranty, this may apply only to your core heating or cooling unit, or it may apply to system upgrades like an in-line air purifier.

Get a Timeline on Your HVAC’s Lifespan

As your HVAC unit ages, regular maintenance inspections will let you know when components are reaching the end of their useful life. You can often get an idea of how many more years you can expect your system to continue functioning efficiently. This way, you may gain a year or two to budget for a replacement.

Save Money on Repairs, Installations and Upgrades

Maintenance plans often come with discounts. Depending on your plan, this may range from a discount on the cost of a tune-up to a year of discounted service calls. Between the energy savings from an efficiently running system and your potential savings on repairs, maintenance agreements provide a lot of additional value.

Call us at Indoor Solutions Inc. to learn more about our maintenance agreements for Opelika, AL, residents. We are happy to answer any questions you have about how we can get your system running well and keep it that way.

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Before I came here I was in Rehab. I moved to ISL  in Nov 2017 and didn’t really make any progress at first as I had a bit of a drink problem and was using drugs. I kept getting myself in trouble and got arrested. ISL staff supported me through this and I started a community drugs and alcohol program with the local services. Staff would accompany me to the groups to give me support and even joined in the group discussions this made me feel at ease. Since then I have begun to manage my mental health in a much more positive way and have not used drugs or drank alcohol for nearly a year. They have supported me to enrol on a college course which starts in September as I have decided I would eventually like to become a Psychiatric Nurse the staff have given me confidence that I can actually succeed and have encouraged me to be the best I can be.

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text: The feel of his warm hand on her waist increased her pulse. This style is done with stretch and has a contoured waist with a slightly higher rise. 115. It all seems like a colossal waste of time and money which could be well spent elsewhere in the beef sector. : 272: can wear a gold belt over a billowy monochrome dress to define your waist and update your look. Women wore a short petticoat made of kapa cloth (already referred to), which reached from the waist to the knee. The waist is the part of the abdomen between the rib cage and hips. The brief has a seamless appearance with ruffled edging at the waist. His fingers softly traced down her neck – to her breast and then down until his hand rested on her waist. Suddenly strong warm hands were on her waist, sweeping her into gentle arms. _undertoad 2321296 The water is waist … He stepped closer, slipping his other hand around her waist, and pulled her gently against him. She gently removed his hand from her waist and stepped away from him, repeating the statement in a voice close to a shout. Wasps are generally larger, have a clear wasp waist, and two pairs of wings. He grabbed her by the waist and swung her around. It was an off-the-shoulder style with spaghetti straps to hold up the bodice and a full skirt that made her waist look small. Darian looked around, expecting to see her again beneath the shade of an apple tree, as beautiful as she was deadly with the daggers she wore at her waist. 213: Some wear singlets, but the majority are stripped to the waist… His hands loosened so she could turn, but never left her waist. The trousers have an elasticated waist, two access pockets and press stud fastening ankles. waist sashes should be worn when visiting temples. Add to list. She snuggled close to him, delighting in the way his hands caressed her waist and hips. Warm hands encircled her waist and drew her body against his. Waist in a sentence (1) The waist expands to fit all sizes. 3156809 Tom put his arm around Mary's waist. Join now. bulge outwards to " make your waist wide " . To ensure the best fit in a ball gown, waist tucks and minor alterations may be needed. While the common Semite wore a short skirt, often with tassels and sometimes with an upper tunic, the more important had an elaborate scarf (extending from waist to knee) wound over the long tunic, or a longer and close-fitting variety coloured blue and red and generally adorned with rich embroidery. The waist is long shaped by the tight corset. Without warning, he reached out and grabbed her by the waist. long by IIwide tied tightly round the waist so as to fall in folds over the legs. Collarless shirtwaister style dress with squared neckline, short cap sleeves, darted bust and nipped waist. waist belt buckles would have borne the legend " SNY " rather than " US " . Waist In A Sentence How To Use Waist In A Sentence? Alex grabbed Carmen by the waist and lifted her out, standing her gently on the ground. He surfaced up to his waist and started shouting and groaning, with bloody sputum coming from his mouth. The rest of her dress was green and she had a short dagger at her waist. She swung up behind him and put her arms around his waist. It's a waste of time and energy. Only the eldest princess, the one with the stony face and long waist, was still living in Pierre's house. sentence; 211: And some girl for beauty and regardless of season wear short coat and pants, and cold food, can eat eosinophils damage to the waist. Coming up behind her, he grasped her waist and pulled her into the circle of his arms. drawstring waist for a comfortable yet stunning fit. Ask your question. Example sentences from the Web for waisted He is waisted with water-bottles and mess-tins from which peep forth bottles of wine and beer. Battle-axes with rounded outline started as merely a sharp edge of metal (io) inserted along a stick (10, if); they become semicircular (12) by the VIth Dynasty, lengthen to double their width in the XIIth, and then thin out to a waist in the middle by the XVIIIth Dynasty. We use cookies to enhance your experience on our website, including to provide targeted advertising and track usage. "I have the pleasure of being already acquainted, if the countess remembers me," said Prince Andrew with a low and courteous bow quite belying Peronskaya's remarks about his rudeness, and approaching Natasha he held out his arm to grasp her waist before he had completed his invitation. sentence synonyms, sentence pronunciation, sentence translation, English dictionary definition of sentence. He held her close with one arm while the other slid up her side, following the curve of her hips and waist. : 2. How to connect 'waist' with other words to make correct English sentences.waist (n): the part of the body above and slightly narrower than the hipsUse 'waist' in a sentence She has a small waist. He spent the last ten years of his life in a wheelchair after a fall which left him paralysed from the waist down. His hands left her face and slid down her shoulders and back in a gentle caress that ended on her waist. Most people chose this as the best definition of waistline: A line thought of as enci... See the dictionary meaning, pronunciation, and sentence examples. Examples. Lana asked suddenly, surprised to see the elite soldier had it at her waist. She put an arm around his waist and together they strolled back to take a look at Ed. waist. Three days trickled through the waist of the glass of time. The prae-genital somite, after appearing in the embryo, either is obliterated (Scorpio, Galeodes, Opilio and others) or is retained as a reduced narrow region of the body, the " waist," between prosoma and mesosoma. As she closed the cabinet door under the sink and straightened, gentle hands found her waist. Cassie cringed against Bordeaux and clutched the arm that encircled her waist. His hand moved down her side to her waist and then down to her leg, caressing the back of her knee in a delightful way. Check out Ginger's spelling book and make sure you never confuse waist and waste again! In Bali, waist sashes should be worn when visiting temples. He was in a cold fury as he returned to the rooftop, the sash knotted around his own waist like a promise. wearing a singlet or stripping to the waist can make a man invulnerable to bullets. He stuffed it under her blouse as she had and then stepped behind her, putting his arms around her artificially enlarged waist. She tucked it at her waist and rose, closing the trunk. She clamped her arms around his waist again. Flex your waist to raise the upper torso from the mat. Roomy Poncho Tops - These tops are of a lightweight material and have sleeves that connect from the cuff down to the waist band. Now it's time to measure the size of your waist. HULA HOOP This famous plaything - a hoop you can twirl around the waist - goes back to ancient Egypt. A live band started playing a waltz and he dropped a hand to her waist. Classic shirtwaister style, with short sleeves, open revered collars and fitted nipped waister style, with short sleeves, open revered collars and fitted nipped waist with gathered full dirndl skirt. half-length sleeves, fitted waist and slightly flared skirt with slanted pockets. Her waist looked tiny, swathed in velvet and surrounded by satin. Waist definition, the part of the body in humans between the ribs and the hips, usually the narrowest part of the torso. Defined shoulders create the illusion of a narrower waist. The words waist, waste sound the same but have different meanings and spellings. He tied the line around Dean's waist with practiced fingers, keeping it below Dean's naked upper torso. One hand slid down her arm to her hand and the other claimed her waist, drawing her close. sentence; 271: Waist cummerbund, shirt and boutonnieres for groom. : 274: It's she who will notice my slimmed down waist or the thinnest, little bracelet on my arm. A tiny corset worn by Kylie was designed by Mr Pearl, famous for having trained his own waist into an 18 inch corset worn by Kylie was designed by Mr Pearl, famous for having trained his own waist into an 18 inch corset. He had a good compact physique, very tiny waist, just lacked the mass of the top two. For example, Although it was more popular in the past, some women wear corsets to make their waists seem narrower. la cintura. In the cinctus Gabinus, which was the fashion adopted in early times when fighting was in prospect, the end of the toga was drawn tightly round the waist and formed a kind of girdle; this was retained in certain official functions, such as the opening of the emple of Janus in historical times. The priest ties the cord around the waist as he pronounces the benediction upon the child, throwing upon his head at each sentence slices of fruit, seeds, perfumes and spices. very large round the waist and hanging in folds, is worn by Pathans, Baluchis, Sindis, Multanis, &c. This fits closely as to the upper part of the body, but flows loosely below the waist. His voice was rough, but the arm that encircled her waist held her gently. It's better to wash dishes by hand. Phrases. Skinny Jeans - This style is close-fitting and narrow from the waist and seat all the way to the hem at the bottom of the legs. Trimmed in white around the rounded neckline, with vertical stripes down the center of the dress to the waist seam. Molly moved close to her and put her arm about her waist. English Sentences Focusing on Words and Their Word Families The Word "Waste" in Example Sentences Page 1. Clad only in crumpled white and red drapery gathered around her waist, Scylla leans forward, gesturing with her hand. He put an arm around her waist and pulled her to him possessively – much like claiming groceries after waiting a long time in line to pay for them. Thesaurus. ration of rice in a bundle round his waist. waist cinchers and corsets to choose from. iii. ‘I waded gingerly in to waist height, fully expecting my wetsuit to dissolve.’ ‘Breathe out and draw in the stomach and the waist as if you're trying to get into a tight pair of jeans.’ ‘The goal of fencing is to touch your sword 15 times above your opponent's waist.’ ‘Bend at the waist… He clamped one hand around her waist and slid her closer, leaning over her as he spoke. His hands gripped her waist, drawing her close. By clicking “Accept”, you consent to the use of ALL the cookies. Pronunciation. Most of the sentences presented include audio of the sentence in Spanish, which allows you … Crawling back into bed, he snuggled close to Carmen and put an arm around her waist. humanoid figures visible almost to the waist. She gripped him around the waist, wishing she could crush the breath from him. Keep using waist instead of waste? This time she stretched her arms around his waist without hesitation. You also have the option to opt-out of these cookies. How many syllables are in the word waist? He gently disentangled his arms from her hands and gripped her waist, pulling her close. From the waist up, Long is also dressed to kill. Curvy figures: Try the Kimmie Curvy Bootcut with Contour Waist. 35. She was shorter, for one, toned and shapely, with round hips and large breasts, and a tucked waist. She tucked the hourglass into the small pocket inside her dress at waist level. The fit around the waist is a little weird, but not enough to be irritating. 376. An epidural will numb you from your waist down, while a spinal anaesthesia provides further numbing. If you have a corset, wear it at the first fitting, as it will take at least an inch from your waist. The " Roemer " itself consists of a cup, a short waist studded with prunts and a foot. What a waste of five years. :: noun. In all the tailless batrachians (with the exception of a single known viviparous toad),the male clings to the female round the breast, at the arm-pits, or round the waist, and awaits, often for hours or days, the deposition of the ova, which are immediately fecundated by several seminal emissions. Piles of boulders were separated by sections of wading, waist deep in places. Premium. The upper edge was folded over for a distance equal to the space from neck to waist - this folded portion was called Ior67rTV^y ua or &71-XotS, - and the whole garment was then doubled and wrapped round the body below the armpits, the left side being closed and the right open. Many of the sentences have audio, too. Why BMI isn't best measure of obesity When hip circumference measurement is combined with the measurement of waist circumference, it … The hand left her breast, caressing its way down her side, pausing briefly on her waist and then continuing down her hip. waist in a sentence - Use "waist" in a sentence 1. He put his arm around her waist.Back to “3000 Most Common Words in English” His hand lightly touched her waist as he guided her into the cool room. Prince Andrew entered a plain tidy room and saw at the table a man of forty with a long waist, a long closely cropped head, deep wrinkles, scowling brows above dull greenish-hazel eyes and an overhanging red nose. His hands were warm on her waist as he drew her close, and she molded her body to his. The Word "Waist" in Example Sentences Page 1. It is mandatory to procure user consent prior to running these cookies on your website. The word waist has one syllable. Jackson recovered first, grabbing her around the waist. While they are sometimes wider at the waist than classic skis, the overall ski is significantly narrower. One hand on her waist, the other holding hers lightly, he gracefully swept her around.


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Stone Flek White Shower Before

Island Transformations is a team of refinishing professionals with over two decades of glazing and painting experience.

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Health Services

 Health Services

Istanbul Airport has a number of service points to meet the health needs of passengers.

Mobile Health Stations

There are 5 mobile health stations, 4 of which located at the airside and 1 located at the landside.

First Aid / Emergency Services

There are 5 ambulances in total, 3 at the airside and 2 at the landside, a 24/7 available emergency health call center (65 555/4441442), and 23 automatic external defibrillators placed in different parts of our airport in case one of our passengers have a heart attack.

PCR Test Center

There is a 24/7 available PCR Test Center in the airport located on the arrivals floor. Testing services can be purchased on demand. Test results can be handed as a physical copy or they can be received online.

PCR Test Merkezi

Health Point Locations In Istanbul Airport:

International Terminal - Landside

Melike Sultan Pharmacy

Domestic Terminal - Landside

International Pharmacy

International Terminal - Landside

Istanbul Airport Pharmacy


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McAfee Endpoint Security Review

Easy to use and very powerful

What is our primary use case?

Our primary use case is for endpoint protection, to block malware and viruses.

What is most valuable?

We like the web control and firewall.

What needs improvement?

For how long have I used the solution?

I have been using McAfee for twenty years.

What do I think about the stability of the solution?

It's very stable.

What do I think about the scalability of the solution?

Scalability also works nicely. It's easier to scale it out on thousands of machines.

We only require two staff members for maintenance. There around 16,000 users.

How are customer service and technical support?

They have two different kinds of support. One is enterprise support and one is normal support. They charge more for enterprise support and when we raise tickets we get a good response but with the normal support, their response is not quick. They don't give much preference to normal support. It can take three, four days, or even a week to get a reply from them.

Which solution did I use previously and why did I switch?

Being in the IT industry, we have come across different products, McAfee and Defender plus Symantec, and Trend Micro. For my needs, I like McAfee the most. Symantec might be equivalent but I like McAfee the most.

What other advice do I have?

There are good web, application, and firewall control features. It would be helpful if the controlling of connections coming to the PC could be done from McAfee's side so that we can block those connections.

It's a good product. I would recommend it.

I would rate it a nine out of ten. It's easy to use and it's very powerful. It offers nice endpoint protection.

Which deployment model are you using for this solution?

**Disclosure: I am a real user, and this review is based on my own experience and opinions.
More McAfee Endpoint Security reviews from users
Learn what your peers think about McAfee Endpoint Security. Get advice and tips from experienced pros sharing their opinions. Updated: July 2021.
523,431 professionals have used our research since 2012.
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I-90 Corridor Active Traffic Management (ATM) Test and Verification White Paper

U.S. DOT – Illinois Tollway Affiliated Testbed MOA management services

I-90 East Connected Vehicle Pilot Deployment Plan

I-90 East Connected Vehicle Pilot Project Architecture Report

CV Roadside Unit Site Evaluation Report and Installation Drawings

600 Camera Digital Video Recording System Technical Report and Procurement Documents

CCTV Camera Coverage Phase II Engineering

ITS Specifications and Special Provisions

Dynamic Message Sign (DMS) Refurbishment Phase II PS&E documents QC Review

Road Weather Information System (RWIS)

Condition Assessment Report contributor

ITS Device Preservation (229 sites)

Phase II Engineering

Regional ITS Architecture Report

Technology Scan Reports:

Microloop Sensors, Mobile RWIS, Anti-icing

Systems and Bridge Structure Health Monitoring

I-294 Corridor ITS Systems

Requirements Specification

Legacy Video Encoder Migration Plan

North Tri-State ITS Device Replacement Phase II – ITS Specifications / Special Provisions

An Intelligent Transportation System (ITS) is comprised of sensors, communications devices and links and/or information processors which together are used to monitor, measure, inform or improve the efficiency and safety of travelers whether in a vehicle or on foot.

Surface transportation today is in a crisis, with the transportation system unable to cope with the growth that has occurred in the past decade and is expected to continue. With many serious transportation bottlenecks across the country which cannot be eased without more than 2 trillion dollars to rebuild roads and bridges and increase their capacity, the only relatively low cost, high payback alternative is to apply ITS solutions which can increase the capacity and efficiency of the existing transportation system at reasonable cost.

New technologies such as Connected and Automated Vehicles will revolutionize the manner in which we move around our nation and save time and energy while doing so. Our company, ITS Engineering Ltd. is dedicated to furthering these goals and eliminating more than 35,000 traffic deaths per year.

The Intelligent Transportation Systems Specialists


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KapiCore.cloud is a new global cloud, offering banks of any size and location, access into our cloud-ready, Core Capital Markets platform Launching soon – Stay tuned!

Enjoy SaaS efficient pricing model

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Upon KapiCore.cloud launch we will offer an attractive SaaS (Software as a Service) pricing model that eliminates large license costs and correlate usage costs to levels of activity, allowing the bank to offer clients a competitive capital markets offering.

placeholder Start small, Grow big

Banks can initiate a smaller capital market activity facilitating our minimum cloud setup and pricing, then grow bigger upon activity expansion. As the Bank grows big, he can expand seamlessly the capacity and core configuration to support his geographic expansion and activity growth

placeholder Focus on expanding your business

KapiCore.cloud operates all aspects of the technology infrastructure: communication, hardware, data security Core’s software upgrades, monitoring and more, allowing the bank to focus his efforts on business expansion, reaching to more clients in more regions with new services and products

Multi-Core for global banks

KapiCore.cloud enables banks with global and diverse geographic presence to set up a Multi-Core configuration that match its unique organization structure and needs.

  • Uniform business rules
  • Aggregate reporting
  • Efficient compliance
  • Effective regional setup

Easily connect to cloud-based core banking systems

Most of the leading core banking system providers offer cloud-based solutions. KapiCore.cloud provides a cost effective, seamless, integration between our Core capital markets platform and cloud-based Core Banking systems.

  • Reduced integration costs
  • Share client’s data across cores
  • Reduce cost of multi core banking connection setup
  • Allow for a Hybrid configuration that intertwines on-premise and cloud-based core systems

Latest features are always current

Cloud based cores are upgraded transparently so that the Bank always enjoys the latest functions and features.

  • Stay ahead of the technology curve
  • Enjoy the latest advances and products in the capital markets
  • Reduce technology risk
Latest features are always current


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Why the World Is Watching a Military Takeover in Mali

Instability in Mali is likely to ripple across West Africa and beyond.

Malians celebrating in Bamako on Tuesday.Credit...Agence France-Presse — Getty Images

The military in Mali arrested the country’s president and prime minister on Tuesday in a coup staged after weeks of destabilizing protests over a disputed election, government corruption and a violent Islamist insurgency that has lasted for eight years.

The streets of Bamako, the capital, exploded with both jubilation and gunfire after President Ibrahim Boubacar Keïta and his prime minister, Boubou Cissé, were detained along with other government officials. Around midnight, the president announced on state TV that he was resigning.

The effects of the turmoil could spill beyond the borders of Mali, a country whose strategic location has geopolitical implications for West Africa, the Sahel, the broader Arab world, the European Union and the United States.

French forces and American advisers show the West’s keen interest

France has remained deeply involved in the affairs of Mali, its former colony, decades after the country gained independence.

For the French forces battling Islamists in the region, Mali is part of what some call France’s “Forever War” in the Sahel, the far-stretching land beneath the Sahara.

The United States, too, has military advisers in Mali, and American officials have a keen interest in a stable Malian government whose interests align with the West.

”Mali’s internal governance and security challenges are driving instability across the Sahel,” said Kyle Murphy, a former senior analyst with the Defense Intelligence Agency who is now with the Center for Strategic and International Studies.

“This matters to the United States,” Mr. Murphy added, “because instability in the region allows violent extremists to prey on populations and advance their objectives, and displaces millions of civilians.”

Extremists driven from power, but not defeated

After a previous military coup in 2012, Islamist rebels, some with ties to Al Qaeda, took advantage of the disarray to seize control of large areas of the country’s north, including the ancient city of Timbuktu.

Under their brutal rule, Malians in those areas under jihadist control were forced to follow a strict religious code or risk severe punishment. Women were forced into marriage, and historical sites were demolished.

The rebels lost control of their territories after French forces intervened to help the Malian military drive them out. But armed groups continue to terrorize civilians in the countryside, and the violence has metastasized across borders into the neighboring countries of Burkina Faso and Niger.

More than 10,000 West Africans have died, over a million have fled their homes and military forces from West Africa and France have suffered many losses.

“That is the major concern here,” said Chiedo Nwankwor, a researcher and lecturer at Johns Hopkins School of Advanced International Studies. “These various jihadist movements in Africa do not bode well for any Western government.”

A success story turned sour

In the years following its independence from France in 1960, Mali was viewed as having achieved a good track record in democratic government.

In 1996, a New York Times correspondent on a reporting trip to Mali made note of the pervasive poverty afflicting the citizenry but said the West African country nevertheless had become “one of this continent’s most vibrant democracies.”

But Mali, once cited as a democratic role model in the region, has lurched from one crisis to another since the 2012 coup that overthrew President Amadou Touré a month before elections were to be held.

The factors behind that coup, in part a consequence of the Arab Spring, underscore Mali’s position connecting North Africa with the rest of the continent. After the fall of Col. Muammar el-Qaddafi in Libya in 2011, hundreds of heavily armed Malian rebels who had fought for the Libyan leader returned home and attacked northern towns, creating the chaos that preceded the military takeover.

Another leader falls

Mr. Keïta, the president arrested in Tuesday’s coup, won office in a landslide in 2013. But whatever hopes Mr. Keita raised when he took 78 percent of the vote, his star, and his genuine popularity, gradually faded.

He vowed “zero tolerance” for corruption, but Malians came to view him with mistrust.

Mr. Keita won re-election in 2018, when he ran for a second term, but only after being forced into a runoff. In recent weeks, protesters complained that those in charge had not done enough to address the corruption and bloodshed that have plagued the country. And they accused the president of stealing a parliamentary election in March and installing his own candidates.

After security forces shot and killed at least 11 protesters earlier this summer, the demands for reform only grew.

A team of regional mediators arrived in the capital, Bamako, to try to ease the unrest.

Then the military stepped in.

Source: The New York Times


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Our hearts are breaking for the Dolan Twins. On January 19, 2019, the YouTubers shared the devastating news that their father, Sean Dolan, had passed away from cancerEthan and Grayson‘s dad was diagnosed with the disease back in 2016, which the boys shared in a YouTube video at the time, titled “You’re Not Alone.” In the video, the boys got pretty honest with their fans, speaking candidly about the pain, stress, and anxiety they experienced over the news.

Now, over two years later, Grayson and Ethan took to Instagram to let their fans know that Sean had unfortunately passed away. “You will forever be my best friend. I miss you so f—in much already Dad. I know that even though you’re not physically here with me on earth, that you are with me in spirit. You are responsible for making me the person that I am so proud to be today. All of the lessons that you’ve taught me have stuck with me and I will use them moving onward for the rest of my life. You are and forever will be my favorite person that I will ever know. You went always above and beyond for me,” Grayson wrote. “Even when you were too sick to get up, you figured out a way to comfort me and help me with anything I needed. You never left my corner.”

Ethan also shared an emotional message to his father, writing, “Dad, you were so much more to me than just my Dad. Although we were only granted 19 years here together it feels like we’ve spent a million lifetimes together. You are such a strong soul and you’ve made such a strong impact on more people than you would believe. I know you will always be with me but I want you to know that I will always be with you. You’re never alone Dad. You are the toughest man that I will EVER know.”

We were all so devastated over the news, and we can’t imagine what the boys are going through. But it’s nice to know that they’ve got a ton of support from their friends and fellow YouTubers, who all took to Twitter and Instagram to send the boys some love. Scroll through our gallery to see all the celebrities that sent the Dolan Twins touching messages during this difficult time in their lives.

Love J-14? Be sure to subscribe to our YouTube channel for fun, exclusive videos with your favorite stars.


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Week 10 in Mixed Age

Hello Families,

What a quick week, always strange to have only 2 days of school but we certainly got a lot done and the weather was perfect for outside play!!! Here is what we did in the classroom.

Math~ Numbered 1-5 locks and keys. This was a very popular center this week. The kids had to match the correct key to the lock by counting the numbers of beads on the key chain. Each lock had a number 1-5 as well as dots for that number so if they could not recognize the number they could count the dots on the lock instead.

Discovery~ Foam wreaths with golf tees and elastics. This is a great activity for strengthening the muscles in their fingers.

Art/Writing~ Thankful Turkeys (picture included). There was also Letter B sheets and plain paper and Thanksgiving stickers for the kids to use.

Easel~ Painting with green or blue paint using pine cones.

Listening Center~ Pete the Cat Rocking in my School Shoes.

Pretend Center~ The kids have been very busy cleaning the classroom as well as taking care of the babies that are now at the center.

Bera Says Thanks By Karma Wilson

Cookies Week By Cindy Ward (This was a favorite book today and they even requested we read it again while we were eating snack....which we did)

Bear Hunt

Silly Bear Hunt

No School Tomorrow November 11, in Observance of Veterans Day. See you all on Monday!

Please have your child bring in 1 item for the letter C next on Monday for show and tell. I have really enjoyed listening to the kids talk about their items so far!! Keep it up!!

Have a wonderful weekend!

 Julie Haynes

Featured Posts
Posts are coming soon
Stay tuned...
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Professional, Accommodating and a Pleasure

From the time I picked out my home to the very end, through all of the construction, J & M Homes along with their partners have been very professional, accommodating and a pleasure to work with! I highly recommend!

PS: Tell Danny I said “Hi” and that I miss our morning phone calls 😉

Tammy JeffriesRoseberg Wa


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Brushstrokes 2.0 on Transparent Paper || for Erin Condren Life Planner || Functional Stickers ||

Kiss-cut Brushstrokes on Transparent Paper.
Perfect for layering!

Available in 6 pastel colors.
Measured approximately 1.2" x 0.5"

>>>Please follow @jaxandpepper on Instagram for updates, sneak peeks and coupons!<<< I really hope you love my stickers just as much as I do. If you have any questions or concerns, please feel free to email me through Etsy and I will respond as soon as possible. ♡ Lena


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JP x GatheredPlans || Summer Season - FOILED KIT ||Weekly Planner Foiled Sticker Kit|| for Erin Condren Vertical Layout ||

*Real Foil*

The kit is available in Gold Foil!

Kit - sheets 1, 2, 3, 4

Headers add on foiled as well!

Printed on Premium Matte paper.

Each sheet is approximately 4.25 in x 7 in.

Please note, colors might vary slightly due to different screen settings.

All stickers are handmade by me in Los Angeles. Due to the foil application process, the product may have some minor flaws, such as black specks or tiny scratches. Please be aware of when making a purchase.

♡ Lena


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Posts Tagged ‘video’

Geoff Peters performs An Afternoon in Paris (jazz) on solo piano

May 24th, 2010
3,282 views No comments

A couple weeks ago I made a video of myself performing the jazz standard An Afternoon in Paris by John Lewis.

I performed solo piano on my upright acoustic Petrof piano. It’s available below or on Youtube.

Hope you enjoy it!

other links:

  • Listen to different versions of this song at Grooveshark. I especially like the renditions by Sonny Rollins and Cedar Walton.
  • My jazz band in Vancouver, the Geoff Peters Trio, has a new CD which is available for free listening on our website.

Geoff Peters Trio performing at Mexx Boutique (video recordings)

March 26th, 2010
4,234 views No comments

My band, the Geoff Peters Trio, performed at the Mexx Boutique in Pacific Centre during the Vancouver 2010 Olympics.

We made a video recording of one of our sets. To listen, please visit the Playlist on Youtube, or use the player below.

Here is a list of the songs we performed, (mostly jazz standards) with links to the videos:

Ocean Apart – original composition by Geoff Peters (piano)

December 27th, 2009
2,845 views No comments

Last night I made a video recording of myself performing an original jazz bebop tune on the piano. It’s called Ocean Apart and I wrote it last summer while taking a composition class with New York jazz pianist Misha Piatigorsky.

You can view the video on Youtube,, or use the player below.

The MP3 recording of this performance is available for free here.

Live gig recording: Julian N. and Geoff Peters (alto sax and piano jazz duet)

November 4th, 2009
9,620 views No comments

I played piano at a wedding with my friend Julian N., a saxophonist and composer. Julian is a student at Humber College in Toronto. You can view his myspace page by clicking here.

Here is a track listing with links to the individual videos:

If you’d like to download MP3’s of the concert (free) you can get them from here.

With Julian’s permission I used my minidisc unit to record the audio from our performance. There is quite a bit of background noise from the wedding guests’ conversation, but in the recordings you can hear both of us quite clearly.

I also set up my Sony Camcorder in the corner and video-taped our performance too. There was very low light, so you can barely make us out in the video, but it gives more context to the audio to be able to see us perform too.

At this wedding, we performed a selection of mainstream jazz standards in a duo style. Probably my biggest inspiration for the saxophone-piano duo format is the legendary combination of Stan Getz (saxophone) and Kenny Barron (piano). Another inspiration for rhythmic ideas has been the mighty pianist Chick Corea and his duets with the one and only voice artist Bobby Mcferrin (such as their killer performance of Autumn Leaves).

So without further ado, here’s our complete performance (except for the last song we played, Confirmation by Charlie Parker, where we got interrupted by some DJ music).

Hope you enjoy! I hope that these performances will give you some ideas or inspiration for your own journeys in jazz and music in general.

Further listening: I performed one of Julian’s original compositions with the college band at the Phil Dwyer Academy of Music and Culinary Arts (PDAMCA) last August.

New Composition – Wild Thing (by Geoff Peters)

October 24th, 2009
4,094 views 1 comment

Today I wrote a new song: it’s called “Wild Thing” and is inspired by the movie Where the Wild Things Are. Click here to download the song or feel free to use the player above to listen.

To watch me perform the song, check out this Ear Training Video we made, where I explain how to play the Minor 7th interval (a key part of this song!). The performance of Wild Thing is at the end of the video.

The ear training video on intervals is part of, a website that I created with my friend Marcus Emmanuel Barnes.

Idea for a film – Robo Robert

October 9th, 2009
2,463 views No comments

I am currently writing a short film (under 10 minutes). Meet Robo Robert. He’s an eccentric fellow who loves a good chip and defrag. Suprisingly well connected, RR plays chess, goes for walks, and even takes care of the mouse. Robo’s life is simple, but something is missing. Something electric. One day, RR goes to a park for a chat with Lindy. Their exchange will change his outlook forever.

(Actors and helpers needed – inquire within)

Amazing short film: The Big Snit (Richard Condie)

September 4th, 2009
4,193 views 2 comments

If you’ve got 10 minutes, check out this amazing animated film called The Big Snit (by Canadian animator and film maker Richard Condie).

Wikipedia says:

Condie’s best known animated work is 1985’s The Big Snit, an offbeat parable about marriage, Scrabble, sawing, and nuclear war. The Big Snit was nominated for an Oscar and won the Genie Award for Best Animated Short, along with over a dozen international awards. The Big Snit was also voted as #25 of the 50 Greatest Cartoons of all time by animation professionals.

[via sawing14s]

Bye Bye Blackbird – solo jazz piano by Geoff Peters

August 3rd, 2009
3,109 views No comments

I have been practicing a bit on Bye Bye Blackbird by Ray Henderson. I decided to make a little recording of a solo piano version of the song, on my new acoustic piano. Hope you enjoy it!

Bye Bye Blackbird
watch: Youtube (or use the player below)
listen: MP3

Please watch in HD for better sound!

Video: Jamie Cullum performs “Just One of Those Things”

July 9th, 2009
2,899 views No comments

Here is a video of young British jazz sensation Jamie Cullum performing the Cole Porter tune “Just One of Those Things” on July 7th 2009 at the Montreux Jazz Festival.

Watch on Youtube or use the player below.

I really like his piano solo!


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Kontatu St Jean De Luz DENIM

Discover the Kontatu St-jean-De-Luz apron in Denim color with white and red stripes.

Delivery location Carrier Delivery fees
Maison Jean-Vier store - Free
Relais colis France Colissimo 6,10 €
Standard home delivery, France Colissimo 7,90 €
Express home delivery, France Chronopost 14 €
Home delivery, European Union DHL 15,10 €
Home delivery, outside European Union DHL 30 €
If you are not satisfied with the Products you received, you can return them within 30 days of delivery of the Products. The return costs are paid by Maison Jean-Vier in metropolitan France only.
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Estimated delivery from 06/08/2021

A fun sardine patterned apron

Our Kontatu St Jean De Luz apron is fun and characteristic of the Basque coast. A nod to the harbour spirit of this seaside town so dear to our hearts.

An apron woven in Jacquard

Our Kontatu apron is woven in jacquard, therefore reversible and in a trendy colour. Very high quality, it is made of natural fibre and certified free of harmful products.

  • Reference : 4Y020102/1
  • Collection : Kontatu St Jean De Luz
  • Color : DENIM
  • Size : 70x90

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