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ASIC commissioner caught unawares over credit changes

The ASIC commissioner has revealed that he was unaware of the government’s proposal to scrap responsible lending laws until it made the announcement last month.

Appearing before the House of Representatives standing committee on economics’ review of financial regulators on Friday (23 October), the Australian Securities and Investments Commission (ASIC) commissioner, Sean Hughes, told the committee that he was first advised of the federal government’s proposal to scrap responsible lending obligations from the National Consumer Credit Protection Act 2009 (NCCP) on the morning of 25 September, when he read Treasurer Josh Frydenberg’s media statement through the media.

The government has said it hopes the reform would simplify the credit process by shifting from a “lender beware” model to a “borrower responsibility” model, which could reduce risk.

Mr Hughes was responding to a question by the committee about when ASIC was informed of the government’s intention to scrap the responsible lending obligations, given that he is the commissioner responsible for overseeing credit policies at ASIC.

He was asked again by the committee about whether he was provided with advanced notice that “the government was going to go against the royal commission recommendation” regarding responsible lending obligations, and whether he was asked to provide any advice.

To this, he responded: “I’m speaking on my own behalf as the responsible commissioner for this area. I don’t know whether there was communication between the Treasurer and his office, and Mr Shipton [James Shipton, ASIC chair].”

“However, it is not unusual for government policy to be announced and then, in this case, for Treasury to work with relevant regulators to implement that policy, and that’s what is happening on this occasion.”

Mr Hughes was asked by the committee if the government’s position on the responsible lending obligations contradicted ASIC’s submission to the Senate standing committee on economics (Senate inquiry into consumer protection in the banking, insurance and financial services sector in March 2017).

The submission said: “The credit reforms have gone a long way towards addressing many of the issues that were prevalent throughout the credit industry before 2010.”

Mr Hughes responded that he could not speak to a submission that was released during a period when he was not the commissioner at ASIC.

“But what I can say is that this is a matter of government policy. From reading the Treasurer’s statement on 25 September, it is apparent that the Treasurer and the Assistant Treasurer believe that this policy is necessary to address the economic impacts of the [coronavirus] pandemic,” he said.

“From ASIC’s point of view, we’re just getting on with instructions we’ve been given to support Treasury to implement those reforms.”

When asked whether he would like lenders to improve approval times further, Mr Hughes said this was not an issue for ASIC.

He said each lender has its own approval mechanisms, with some being more automated and technology-driven than others, adding that it is a matter for each lender to apply its own credit risk and loan application process.

“Our role is to oversee and administer the credit regime, which sets the minimum standards for banks undertaking their enquiries and their assessment duties,” Mr Hughes said.

“Of course, if the government’s policy is enacted through the Parliament, then our role in relation to that will move away from the ADI lenders and will be more focused on small amount credit contracts and consumer leases.”

Home loan deferrals moves to ‘bespoke’ phase

Responding to queries about home loan deferrals, Mr Hughes went on to outline that while the corporate regulator is engaging in consultations and discussions with banks and their representative bodies, it had not found any reason for concern thus far.

“At this stage, we’re not seeing any specific areas of systemic concern in the way in which banks are dealing with those customers who are in particular hardship,” he said.

However, as many borrowers approach the end of their home loan deferral period, Mr Hughes emphasised that it was important that borrowers would could resume repaying their loans, do so as quickly as possible.

“It will be fair to say that there is a strong preference, and this is one that we have encouraged as well, where borrowers [who] can afford to repay their loans either in full or in part in terms of their usual repayments, should do so,” Mr Hughes said.

“It is very much in their interests to resume repayments as quickly as possible.”

But he acknowledged that there would be borrowers who may need to make modifications to their loan structure by, for instance, shifting to an interest-only loan, or extending their deferral period.

Noting that the economies of different states and territories have and continue to open up at different speeds, Mr Hughes said lenders are transitioning to what he called “a more tailored period”.

“We’re now moving into what we call a more tailored period where banks are taking individualised approaches with borrowers to assess what their individual circumstances should be,” he said.

“We are moving to a much more bespoke and tailored period through to the beginning of 2021.”

[Related: APRA expands capital concession for COVID-impacted loans]

ASIC commissioner caught unawares over credit changes
ASIC commissioner caught unawares over credit changes

If you’re feeling overworked and overwhelmed in this fast-paced mortgage market, it’s time to make some changes, and the Business Accelerator Program can help! Early bird tickets are on sale now. Work smarter, not harder, this year.

Malavika Santhebennur

Malavika Santhebennur is the features editor on the mortgages titles at Momentum Media.

Before joining the team in 2019, Malavika held roles with Money Management and Benchmark Media. She has been writing about financial services for the past six years.

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Car enthusiasts drool over high-performance wagons, and it’s little wonder why. With a low center of gravity and big trunk, performance wagons meld sports car handling and SUV-like cargo room like no other vehicle in the road.

Unfortunately, there are few enthusiasts that actually plunk down their hard-earned dollars on performance wagons. As a result, there aren’t many to choose from, and the future of the go-fast grocery-getter just got a little bleaker.

Even if they weren’t sold in the United States, BMW was one of the few automakers that dabbled in the realm of performance wagons. And with those wagons living abroad, there was always a tiny sliver of hope that they might one day make it to our shores. But in an interview published Monday in Car Magazine, BMW M boss Markus Flasch crushed the possibility of an M-tuned wagon, even for Europe.

“Touring estates are not part of our M plan,” he said. “If I asked customers in Austria, Switzerland or Germany they would probably give it the thumbs-up, but we are a global company and we have so many things to deal with on the powertrain side that we don’t go into products like this. This is what the SUVs are for.”

Indeed, BMW’s M division has been working on more SUVs recently. In addition to the X5 M that’s been around for a few model years, the division recently launched M-tuned versions of the X3 and X4. Although not a cool as an M3 wagon would be, according to us, those vehicles are worthy M3 sedan substitutes for people with kids or an active lifestyle.

Even though BMW is giving up on the high-performance wagon, other companies aren’t. Mercedes-AMG still offers its bonkers E63 wagon, and Audi will soon compete for well-heeled shoppers with its latest RS 6 Avant.

And speaking of other things the M division isn't working on, Flasch says there are no current plans to build a BMW-branded supercar, which has been the company line for the last few years.


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2020 SUZUKI GSX-R1000R

The Suzuki GSX-R series has defined sportbike performance for over 30 years, with more than a million sold worldwide. So the dedicated Suzuki engineers who have devoted their lives to the GSX-R take their responsibilities very seriously: every GSX-R must be very light and the best performing in its class, in an unbeatable package. The most powerful, hardest accelerating GSX-R ever built. It's also the most compact, most aerodynamic and the best handling GSX-R1000. With a supremely effective electronic engine management system, derived from MotoGP technology, it maximises drivability from the 202PS engine without being complicated to use. It's time to Own the Racetrack. The GSX-R1000R is equipped with some of the most advanced rider technology available, including a new Motion Track Brake System, Motion Track TCS (Traction Control System), Suzuki Drive Mode Selector, Launch Control and a Bi-Directional Quick Shift System.  The GSX-R1000R has sleeker and more aerodynamic bodywork designed to improve handling and top speed on the racetrack. The bodywork has a more connected flow line from the fairing nose to the tail section. It's lighter, producing less moment inertia and less leverage on the centre of gravity. And it directs the a flow to improve engine and brake cooling while also increasing down force, rider wind protection, and engine efficiency. The Suzuki GSX-R1000R features a LED headlight that is more compact than a halogen headlight, yet produces excellent lighting. Installed in the nose of the fairing, the LED headlight is narrower and shorter, contributing to the new GSX-R's aerodynamics. Featuring full LCD instrumentation. The dash is brighter and easier to read, and incorporates S-DMS mode and Motion Track TCS level indicators as well as a fuel gauge and readouts showing instantaneous or average fuel consumption, ambient temperature, freeze indicator and service reminders.

Finance Suzuki GSX-R1000R Wigan

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Chelsea AutoLegends

Historic Racing News

This Sunday September 2 sees the third annual Chelsea AutoLegends, held in the grounds of the Royal Hospital. The event is a celebration of style in automotive and motor sport history, with over 500 road and racing vehicles on display.

“From Formula One down,” said organiser Max Wakefield, “Britain houses some of the best engineers and builders of race-cars and race businesses in the world. The industry creates employment for both practical and academic minds, for individual craftsmen and multimillion pound companies. Our brilliance in this field should be shouted from the rooftops and heard by the many – and, where better to do this than the capital city and The Royal Hospital?”

Exhibitions this year include Stars’ Cars and ’70s Cool, as well as displays of  Formula 1 and Le Mans racers. The contributions of women in motor sport will also be celebrated.

A new addition to the event will be the Techno Park, which will concentrate on British engineering innovation. The patron of the Park will be former Minister for Science and sports car owner-driver Paul Drayson.

For 2012, the festival will be supporting Armed Forces charity Walking with the Wounded.

For the latest updates or to purchase tickets for the event, visit

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  6. Review: How the New Porsche Cayenne Pushes the Boundaries of Hybridization

Review: How the New Porsche Cayenne Pushes the Boundaries of Hybridization

The 2019 Cayenne is a 2020 SUV of the Year finalist

  • Great all around
  • Fun to drive
  • Up to 13 miles EV range

  • Questionable value
  • Fuel efficiency
  • Doesn't check all boxes

A former SUV of the Year winner and the vehicle credited for putting Porsche back in the black, this year's Porsche Cayenne arrived at SUV of the Year in plug-in e-Hybrid (PHEV) guise.

Although we knocked it for its merely evolutionary exterior design, it's what's inside that counts. The Cayenne's new electric motor generates more than 43 percent more power (134 hp and 295 lb-ft) than the previous motor did. Plus, the battery capacity increases by about 30 percent (to 14.1 kW-hr) without increasing in physical size.

With a full charge, the Cayenne e-Hybrid will travel up to 13 miles on electricity alone and up to a speed of 83 mph before waking the 335-hp, 332-lb-ft internal combustion engine. "In Hybrid Auto, the car smartly charges, coasts, downshifts, and more to drive in the most efficient and most engaging possible manner," features editor Christian Seabaugh said. "I wish all PHEVs were this well-tuned and integrated."

According to features editor Scott Evans, this is what the Lincoln Aviator "wants to be when it grows up. The handoff from gas to electric is imperceptible every time, and you can damn sure feel the power." That covers our engineering excellence criterion with ease.

How efficient is it? The EPA only supplies combined estimates for PHEVs, and by that measure, the 2019 Porsche Cayenne e-Hybrid should earn 46 mpg-e. Our in-house EQUA Real mpg team found it to earn 24/27/26 mpg city/highway/combined. We'd like another go at it to verify our methods and figures. Something seems off to us.

More on Porsche: The new Cayenne Turbo S E-Hybrid makes how much horsepower?

Don't be fooled by the Cayenne's green-ish mission. This is still a Porsche through and through. With its turbo V-6 and electric motor combined output reaching 455 horsepower and 516 lb-ft of torque, this Cayenne raced from 0 to 60 mph in just 4.2 seconds, the third-quickest SUV in the field.

But it's not just rapid. "What a stupendous chassis," Evans said. "It really hunkers down and drives like a tall Panamera when you ask it to. The responses are perfect." Not only that, but it also took to our off-road testing as well as any other contender, fording deep sand, enveloping washboard surfaces, accomplishing steep hill ascents and descents with ease, and literally idling through our more difficult "frame twister" that diagonally hoists two wheels in the air.

The Cayenne also allowed some hooligan antics, sliding around sandy bends like a rally car. I searched "fun" in judges' notes and found seven results. No other contender or finalist can match it in this regard. Porsche's performance of intended function? Nailed it.

Value, however, is also something we judge. With a starting price of $80,950 and an as-tested price of $96,790, the Cayenne e-Hybrid was definitely near the top rung of this year's group in terms of price. Most of the standard advanced tech found on the other luxury entries is optional on the Porsche.

Senior production editor Zach Gale was pointed in his criticism: "Oh, did you want a full leather interior in your $80,000 Porsche SUV? That'll be at least $3,750 more. How about memory seats with more than eight ways of adjustment? $1,680. A panoramic roof? Hands-free keyless access? Adaptive cruise control? Ambient lighting? Heated front seats? All extra."

Earning finalist status in the MotorTrend SUV of the Year contest is an achievement in itself. That a plug-in hybrid version of a Porsche SUV did so might surprise some. Not us. That Porsche can supply the kind of experience one expects from a vehicle wearing that prestigious badge while also pushing the boundaries of hybridization is a very positive omen for the brand and for SUVs as a whole.

2019 Porsche Cayenne E-Hybrid (PHEV)
Base Price/As tested $80,950/$96,790
Power (SAE net) 335 @ 5,300 rpm (gas); 134 @ 2,800 rpm (elec); 455 hp (comb)
Torque (SAE net) 332 @ 1,340 rpm (gas); 295 @ 100 rpm (elec); 516 lb-ft (comb)
Accel, 0-60 mph 4.2 sec
Quarter-mile 12.7 sec @ 110.2 mph
Braking, 60-0 mph 113 ft
Lateral Acceleration 0.87 g (avg)
MT Figure Eight 25.4 sec @ 0.78 g (avg)
EPA City/Hwy/Comb 13 mi EV, 22 mpg (gas)/46 mpg-e (comb)


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Choose a Professional Web Design Company and Avoid Amateur Pitfalls

For typical human being it’s difficult to locate through every result. We shall have the entire means of choosing a Internet Style and Progress business in a organized way.

The first step involves defining your needs. While searching for the proper web designer, it is very important to truly have a obvious idea what role your Website or a redesigned one will fill. Does it offer information to your customers? Will it offer the requirements of one’s personnel? Or does it include an on the web searching section so that you can offer your items to visitors?

Take the time to contemplate what you expect from your own Internet site and the kind of information you want to talk to your potential clients before you approach your designer. This will save you and the designer a considerable amount of time and effort. Looking is a strenuous method and doesn’t require any special ability apart from homework to efficiently come up with good results that satisfy your requirements. Only check through websites, check Google results on unique important word queries and ask for referrals from your friends or business partners. It generally does not have to be a very considerable research work. Suggestion: Ask organization acquaintances, friends, and family which internet style company made the website developers for their particular companies, or if they can usually recommend a web style firm.

Internet sites: Establish the net style firm that is accountable for web sites of agencies that you admire. These organizations might be your opponents, or in connected or unrelated industries. Often the web design organization is within the site credits, or is listed elsewhere on the website. If you fail to find the loans on the webpage it self, experience free to get hold of the business and question which web style firm is in charge of the website. This can also be a good supply for sources for that internet design firm.

After you have collected a listing of possible web design firms you’re prepared to pare them down seriously to a shortlist. This requires a bit of research work. How consistent they’re? What’re the variables on which the organization is capable enough to satisfy your necessity? Exist any recommendations that discuss their reliability? Do the projects in the portfolio have a steady quality? Have they continually given great results in the provided time period? Has the Internet design company presented solutions to others in your market? Have they dealt with related challenges to those faced by your firm? These are some essential facets to consider.

When you’ve narrowed your search to some design options (through recommendations, web directories, or your opponents’sites), assess their on the web portfolios and their rate structure. A web page doesn’t need to be flashy or animated to accomplish its job. Scan web sites they have created, always check ease of navigation, company of data, overall cleanliness and visitor-friendliness. Also, consider selecting a firm that demonstrates some familiarity with your form of business. Just have the accomplishment stories/case studies that have been made accessible on the internet site and corroborate the credentials through references if possible.

The seed supervisor got what he covered and probably a lot more. He had previously utilized a lot more than that amount by himself staff and of course losing in revenue as the seed was closed down. For him, getting the advisory services of a guide was the best thing to do. It issues a lot if the company features a great experience in varied company domains and has specialists and specialists from variegated backgrounds. As a result they will have an comprehension of different business verticals that could be an advantageous position for the website. Another essential factor is budget.

What you spend is everything you get – WYPIWYG. Never compromise with the grade of your website simply for keeping few rapid bucks. In the long run you can become on a losing side. Have you ever thought why American diamonds cost less and than actual diamonds when occasionally it’s difficult to distinguish between the 2? It’s obvious – the beauty and hardness of diamond. That makes another interesting place, you can get a cosmetic surgery prepared for your web site for an inferior charge, but it’ll lack the functionalities and effectiveness. It could draw guests but can’t turn them in to business. So once you buy something, you actually get much in return.

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What is a Relocation Management Company (RMC)?

Sometimes, an employee in your company needs to relocate. Maybe they’re moving with their family to a different location. Maybe they’re being promoted and with that promotion comes a new office location. Regardless of the circumstances, a Relocation Management Company (RMC) can help. While Motus is also available to help, it is not an RMC. But that’s getting ahead of ourselves. First things first.

What is an RMC?

With so many other critical responsibilities on their plates, it is difficult for HR experts to know everything about moving employees. Sure, they know who is moving where. But do they know the difference in cost of living? Whether a household good’s shipping quote is best? What an adequate relocation package looks like? Probably not.

Relocation Management Companies provide business process outsourcing services to organizations. They have expertise in relocation logistics. With that expertise they can provide direct personal service to relocating employees, guiding them through every aspect of the moving process. RMC’s help companies manage their relocation policies and spending. With that information, organizations can deploy their talent when and where it is needed without having to invest extensive internal resources on relocation processes.

Who needs an RMC?

Organizations of all different sizes and industries move employees. Are you offering a job to a top talent individual located in a different city? Then you might want to work with a Relocation Management Company to offer your newest recruit a package they can’t refuse.

Are your employees trying to figure out the whole moving process, from selling the house to moving their stuff and buying a new home in an unfamiliar place? RMC’s can manage that hassle.

There are more pieces to it than that, but RMC’s handle the logistics so your HR department doesn’t have to.

Is Motus an RMC?

Motus is not an RMC. But we do work closely with them. We previously mentioned the various ways an RMC can help out your company. We provide RMC’s and their clients with the information that is the backbone of good decision making.

For example, say your company wants to move an employee from Atlanta to Denver. An RMC might share data with you from a report we provide on the cost-of-living differences between the two cities.

We also provide RMC’s and their clients with data that can be used to pay employees an allowance to cover home finding, temporary living, final move-related expenses and household goods shipping costs, all as one lump sum. Information from Motus can also be used by you or your RMC to gain a realistic view of what a particular move will cost for budgeting and planning purposes.

Can I work directly with Motus?

Yes, we can work directly with you and/or serve you via your RMC.

When might it make sense to work directly with Motus?

Some clients prefer to work directly with Motus when it comes to understanding cost-of-living differences and how to most effectively address them because these discussions center around compensation policies and business objectives that go beyond relocation logistics.

Then what is Motus?

Among other things, Motus is a data provider. We offer our cutting-edge platform to deliver the information you and RMC’s need to plan and execute employee moves. Interested in our offering? Contact us and we’ll take you through a demo!

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Medicaid Changes

Urged to reduce Medicaid bureaucracy, the Kentucky Senate passed a bill Wednesday to limit the number of managed care organizations hired by the state to run its massive Medicaid program.The bill cleared the Senate on a 29-7 vote and now heads to the House. It would allow the state to contract with no more than three of the outside companies.The state currently has five managed care organizations handling most of the state’s $11-billion-per-year Medicaid program. The bill reflects frustrations with those outside companies, which their detractors say cause higher administrative costs for health care providers.

Source: MG News

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Habitation Investigation – The Home Inspection Process

Home Inspectors is professionals who are qualified and trained to assess the structure and systems of homes. Home Inspectors are not licensed and certified to conduct structural, electrical or HVAC inspections and do not provide building inspection services. A home inspector normally carries out a limited, non-intrusive inspection of the current condition of a property, typically in association with the sale of the property. Home inspectors are trained and employed only to detect defects in a property that may pose a significant or perceived danger to a person using the property or to the property or its occupants. Home inspectors are not involved in the repair or restoration of damage, and do not inspect for code violations. Have a look at Habitation Investigation.

Home inspectors are independent contractors and may have other clients who are not associated with either the buyer or the seller of the home inspected. Most home inspectors will offer a free initial inspection on a new home for buyers. If a problem is detected during this inspection, the buyer typically makes additional payments to the home inspector to cover any unanticipated repairs.

As the buyer of a residential property, you want to know that you and your new neighbor are not spending money or time on a project that could lead to future problems. Buyers should not depend on home inspectors to provide a definitive answer to all their questions or to guarantee that the condition of their prospective home is satisfactory. It is important to carefully consider each factor that is being considered by both the buyer and the home inspectors before agreeing to hire one particular inspector over another. It is also equally important to carefully examine the qualifications and experience of any home inspectors that are selected to conduct a review on your behalf. It is important to find an inspection service that both has the experience and expertise necessary to provide you with the assurances that your investment will be safe, secure and will meet the needs and requirements of your family for years to come.


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Lady and the Tramp - DVD Clip No. 1

Dec 21, 2018 - Dramatic re-enactment of transcripts from original story meetings. Disney talks about cutting out dialogue to show Lady falling in love with Tramp.

Lady and the Tramp
"She's from the leash and license set... he's footloose and collar free!"
TMDb Score
Wilfred Jackson
Clyde Geronimi
Barbara Luddyas Lady (voice)
Larry Robertsas Tramp (voice)
Peggy Leeas Darling / Si / Am / Peg (voice)


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Mpact is focusing on 2 concepts for its Belgian lighthouse within the G-PaTRA project:

  • Mobipunten: the concept of mobipunten is currently being rolled out throughout the entire Flemish region. Within the work process of G-PaTRA, Mpact wishes to research whether and how this concept could work in more rural areas. Follow our progress on the official mobipunten website:

(c) Mpact vzw

Since this is a learning process, the concept will also be further tested out in more urban areas (e.g. city of Aalst and the city of Mechelen). Afterwards, in collaboration with the municipality of Aalst, the possibility to scale up the process to the more rural areas is being looked at.

Cocreatiesessies Molenbergwijk

(c) Mpact vzw


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Shared mobility in every SUMP

Interreg_SHARE-North_Logo (1)Since January 2016 Mpact is involved in the Interreg North Sea project Share-North. This project aims to boost shared mobility to embellish neighborhoods in our cities and regions. Share-North has different strategies to reach this: living labs, innovative approaches, campaigns, but also enhancing in-depth political knowledge and expertise.

A very clear message we want to promote is to integrate shared mobility in every Sustainable Urban Mobility Plan (SUMP). A Sustainable Urban Mobility Plan is a strategic plan designed to satisfy the mobility needs of people and businesses in cities and their surroundings for a better quality of life. It builds on existing planning practices and takes due consideration of integration, participation, and evaluation principles. [1] A SUMP is a very efficient tool to realize a serious impact on travel behaviour.

Even the European Commission is working closely with the member states to ensure the SUMP concept is adapted to the specific requirements and existing planning practices in each member state and actively promoted at national level in order to reach hundreds of cities in Europe.

A SUMP typically addresses the following topics[2]:

  1. Public transport
  2. Walking and cycling
  3. Intermodality
  4. Urban road safety
  5. Road transport (flowing and stationary)
  6. Urban logistics
  7. Mobility management
  8. Intelligent Transport Systems

It’s hard to find ambitions and strategies on shared mobility

Even though shared mobility (ride-sharing, bike-sharing, car-sharing) is often mentioned in guidelines and concrete SUMPs, it often lacks a real ambition and a clear strategic plan with responsibilities, investments, etc.

Shared mobility could have a serious impact on travel behaviour, consumption of street space, accessibility and energy consumption. Shared Mobility simply enhances the quality of life. Therefore it is very surprising that only a few cities like Bremen and Ghent have action plans on shared mobility. If you recognize the benefits, it is really clear that shared mobility needs a real ambition and strategy in every SUMP.

We detected 3 obstacles for the absence of shared mobility action plans in most SUMPS:

  1. The transportation pyramid

According to the transportation pyramid, we should prioritize cycling and walking first. As next priority comes public transport. Between public transport and individual car use, we find collective car use like taxi, car-sharing and ride-sharing.

We are also convinced about this prioritizing, but according to us it is very often misapplied. In terms of promoting sustainable mobility you often have to scroll down a whole menu to find something about shared mobility.

Why don’t we  use the transportation pyramid the other way around: If people are addicted to their car, we might convince them to share their car once in a while. Shared mobility could work as methadone to climb up onto the pyramid. It’s a matter of smart communication: Not a one-fits-all story, but tailor-made communication for each target group. We could learn a lot from Google and Facebook on that.

  1. Intermodal journeys vs. Multimodal travel behaviour

By many travel planners, shared mobility is still perceived as a first or last-mile solution. There’s a strong political awareness about intermodality, but even though car-sharing or ride-sharing could work as part of an intermodal journey, it’s mostly used as unique mode for one trip.

The strength of shared modes is mainly on multimodal travel behaviour: different modes per user for different journeys. Members of car-sharing schemes for instance, are using very often public transport or cycling for commuting, but sometimes a shared car to visit their family in the weekend. Their access to shared cars makes it possible to get rid of car-ownership.

The common misunderstanding that car-sharing is mainly a first or last-mile solution contributes on the other hand to an image of a complex mobility solution, because intermodality is not always possible or not that easy.

  1. It’s up to the market!

Shared mobility suppliers are very often independent companies. It is difficult to interact in this market, especially when competition is going on. Therefore it is necessary to have a good understanding of this market.

Shared mobility is a very broad spectrum of solutions for collective car-use. Even if solutions look really similar, business models and impact could vary a lot. For instance corporate carpooling (focus on commuters) is much different than long distance carpooling schemes. Also station-based and one-way car-sharing look similar but answer different travel needs.

It’s up to the city to define its main objectives (for instance modal shift, space consumption, accessibility) and to see if the market supports to this. If not – or not enough – the city should interact. To learn more about the broad spectrum and impacts of shared mobility, read the Care-North+ factsheet or contact Mpact or other Share-North partners.

During the Share-North project we will create a toolbox for cities to maximize the benefits of shared mobility. Meanwhile we create awareness by telling this story during conferences, seminars and political contacts. Last week you could hear the sound of Share-North during the SUMP conference in Bremen. Later this year you can meet us at the WOCOMOCO-conference in Warsaw, the CIVITAS gathering in Gdynia, and other local and international events.

[1] Guidelines – European Platform on Sustainable Urban Mobility Plans


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SAGE Trout LL Blank

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SAGE Trout LL Blank, Sage blanks are the heart and soul of the rod and make a perfect canvas. Sage provides you with the best in fly rod technology and all you have to do is dress it to match your unique style. All of Sage blanks are still proudly hand built and designed here on Bainbridge Island, WA.

With a delicate touch and medium action, the TROUT LL family has been designed with the trout angler and dry flies in mind. Through blank taper optimization and specialized length offerings, the TROUT LL is perfected for wade fishing, closer casts, small flies, and light tippets. A relatively supple tip maximizes light tippet protection and gives way to a smooth easy-loading mid-section that increases feel and feedback throughout the casting stroke. When the hatch is on, the TROUT LL is an angler’s best friend.


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Mrs Mummypenny makes a Christmas Wreath

I have achieved a very impressive thing today. Not only did I make a Christmas Wreath, but I have also vlogged the making of it and have edited the video down to 4 minutes for YouTube!  So heres my blog on how to make a Christmas wreath!

Mrs Mummypenny makes a Christmas Wreath

Both achievements have taken some time. The wreath took me maybe 2 hours to wrap the balls in the wool and attach to the wire circle. I started on Thursday, took a break and finished it off today. I have had to get 3 children involved in the making though!  My 2 eldest boys and Lily who came over on Thursday evening.

The video editing took way longer than expected too!  The tutorial from Nicky Wacey was great and gave me the start I needed.  2 hours later this afternoon and I have one video with photos added in, an introduction and an ending.

Take a look, see what you think…!  It gets quite humourous towards the end 2-3 minutes as my boys make an entrance and Jack picks his nose…..

Inspired by Pinterest

Below is the Pinterest Picture I was inspired by followed by my wreath on our front door and at the very bottom of this post the vlog itself !

Mrs Mummypenny makes a Christmas Wreath

Mrs Mummypenny makes a Christmas Wreath

Mrs Mummypenny makes a Christmas Wreath

And here is the vlog itself…hope you like it:-)

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Current Vireio Perception Priorities

By April 29, 2013March 24th, 2020News
Vireio Perception Drivers

Thanks to the tireless work of MTBS’ community, we have been having regular public build releases of the Vireio Perception drivers. We’re at a stage now where there are core functionality concerns that need to be rectified to take their enjoyment to the next level.

Here are our current priorities:

1. Calibrated Game Profiles

While the SHOCT tool has been getting positive feedback, it’s problematic if the game’s starting profile has certain elements out of whack. For example, if the images are reversed or if the convergence is way off base, it’s a lot harder to diagnose the problem to get the best settings; and SHOCT has nothing to do with that. The current build allows image reversals and SHOCT settings to be saved now, so we’ll get the profiles refreshed to contain this start-up data and make things much easier to optimize from the start.

2. Time Differential

The current drivers have a problem where the left/right views aren’t simultaneously shown and are instead updated one after the other. So instead of having left/right views on the screen showing the exact same instant in time, the display updates left, right, left, right, etc. Depending on the speed of the user’s computer, this may not be noticeable. For others, it’s really distracting and takes away from an otherwise positive VR experience. This needs to get solved, and steps are being taken to do just that.

3. DirectX 9, 10, and 11 support

DirectX 9 is yesterday’s (er, “the land before time”) technology. We are adding additional API support.

4. Bonus Features & Ideas

We have a lot of cool ideas we want to try with the Vireio Perception drivers. Really innovative stuff that will make existing PC games completely playable and enjoyable on the Oculus Rift and devices like it. We need time to test our theories out, but we are excited about it!

So keep a sharp eye on MTBS, continue sharing your thoughts and ideas in our forums, and be patient! It’s just the calm before the storm…

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Informace o publikaci

Seasonal variation of endocrine disrupting potentials of pollutant mixtures associated with various size-fractions of inhalable air particulate matter

Rok publikování 2020
Druh Článek v odborném periodiku
Časopis / Zdroj Environmental Pollution
Fakulta / Pracoviště MU

Přírodovědecká fakulta

Klíčová slova PM size Fractions; AhR-mediated toxicity; Estrogenicity; Anti-androgenicity; Ambient air
Popis Ambient air pollution, namely exposure to air particulate matter (PM), has been shown to be connected with a number of adverse health effects. At least part of the effects can be caused by organic pollutant mixtures associated with PM, which can elicit a wide range of specific toxic potentials. These potentials could be affected by seasonal variation of pollutant mixtures and PM size fraction. To examine this, six size subfractions of PM10 were collected at rural and urban site in the Czech Republic in a year-long sampling campaign. The samples were assessed for aryl hydrocarbon (AhR)-mediated activity, estrogenicity and anti-androgenicity using mammalian cell models. The concentrations of detected toxic potentials differed among seasons. The greatest levels were observed in samples collected during winter when AhR-mediated effects and estrogenicity were at least 10-times greater than in summer. While the observed potentials were mostly less pronounced in samples from rural area, during winter, their AhR-mediated activity was twice as great as at the urban site. This was probably caused by the low-quality of fuel used for heating at the rural site. Assessed toxic potentials were associated mainly with PM size fractions with lesser aerodynamic diameters (<1 mu m). Toxic potentials were compared with data from chemical analyses covering 102 chemicals from different pollutant groups to model their contribution to the observed effects. For AhR-mediated activity, chemical analyses explained on average 44% of the effect and the main identified effect-drivers were polycyclic aromatic hydrocarbons. For estrogenicity and antiandrogenicity, detected chemicals were able to explain on average less than 1.6% and 11% of the potentials, with their highest explicability reaching 13% and 57%, respectively. This was affected by the lack of data on specific toxic potency of some detected air pollutants, but also indicates a possible role of further not analyzed chemicals in these effects.
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A Baby Animal SO CUTE It’s Causing Pandamonium!

In honor of National Endangered Species Day, these adorable Baby Pandas are on sale NOW in the Freeze Tag Online Store!

Similar to last year’s Aussie Animals, a portion of the proceeds from this sale will be donated to the World Wildlife Fund (WWF), so thank you all for supporting this great cause!

Baby Panda Details

Like the other Baby Animals, the Baby Panda is a temporary POB. It is available in the Freeze Tag Store for the low price of $5! If you buy a full set of 4 Baby Pandas, you’ll receive an Albino Baby Panda tPOB (shown above) for free! This is the only way to get one of these cute cream-colored variants so shop now before the all flee the store at 12:00 MHQ on June 1st. You can purchase Baby Pandas HERE.

They will bounce to both physical and virtual munzees and stay on the map until 23:59 MHQ on July 20, when they will be automatically archived on your account.

  • Baby Panda
    • Deploy: 300 points
    • Capture: 200 points
    • CapOn: 100 points
  • Albino Baby Panda
    • Deploy: 500 points
    • Capture: 300 points
    • CapOn: 150 points

You can find these rare bears bouncing to the following landing pads every 6 hours or when captured:

Like the other Baby Animals, Baby Pandas and Albino Baby Pandas will be available for multi-capture. That means players can capture a Baby Panda or Albino Baby Panda on their own munzees, any previously captured munzees, and more than once if the same Baby Panda or Albino Baby Panda visits you. However, Baby Pandas and Albino Baby Pandas are non-blastable. They will be attracted to either Physical Magnets or Virtual Magnets on their respective landing pads. You can access Baby Pandas and Albino Baby Pandas under the “All Limited Edition Specials” and “All Expiring Specials” filters.

Deploying Baby Panda and Albino Baby Panda will earn you the following badges, respectively:

Additionally, there will be three badges to earn based on number of captures of Baby Pandas. But just how many captures it takes to earn all 3 badges will be kept a secret! However, we will reveal the first badge in the line, which appears as follows:

Lucky Lantern- Capture one Baby Panda Munzee.

Remember these temporary POBs will only be available for capture until July 20th, so cap as many as you can and keep them bouncing!

Munzee on!

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Home » Tag Archives: graveyard

Tag Archives: graveyard

Chronicles: NYC’s Hidden Burial Ground

The history of New York City is written in its streets but sometimes, that history is meant to remain covered. This is what construction workers discovered last October during renovations to Washington Square Park that turned-up a disturbing surprise, a tombstone. There is a reason why digging in the park is allowed only to go as deep as three feet ... Read More »

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Dear Evan Hansen at Music Box Theatre

Dear Evan Hansen Tickets

Music Box Theatre New York | New York, NY

If you keep up with the hottest in theater news, then you may already be aware that Dear Evan Hansen is coming back to New York City New York for an epic evening of theatrical elegance and style on Saturday 28th December 2019 at Music Box Theatre. This marks the latest in a long line of premieres and show openings that this epic theater company has offered. While fans may be wondering what they will experience, what isn’t in question is that Dear Evan Hansen will produce a show that you won’t soon forget. Because this epic theater troupe has a history of delivering high-quality entertainment that successfully blends modern theatrical training with cultural and classical theater influences that will guarantee you an experience like none other. So if you want to experience the best in theatrical entertainment, then you owe it to yourself to catch Dear Evan Hansen on Saturday 28th December 2019 at Music Box Theatre. To order your tickets today, click the Buy Tickets button below. But don’t delay, because once these tickets run out they are gone for good.

Dear Evan Hansen at Music Box Theatre

Has December been treating you badly? Well, this is the perfect way for you to unwind! If you are a fan of music, dance, drama, and comedy, then you'll find no better place to feel the thrills and chills of Broadway performances than Music Box Theatre. Join us and the many theatre fans that attend this smashing theater house as we welcome Dear Evan Hansen to their stage on Saturday Saturday 28th December 2019. This venue draws some of the topgreatest productions in the country and has already been rated as number one on several greatest venue lists of 2019. Click the Buy Tickets button below to make 100% that you don’t miss out on seeing Dear Evan Hansen perform live at Music Box Theatre on Saturday 28th December 2019. Dear Evan Hansen is looking forward to making your Saturday night better.

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Music News

Logic Pro X Update 2020: What’s New With The Latest Logic Pro Update

Photograph of the blog post author, Joelle Banton

Joelle Banton

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For over 20 years Apple’s Logic Pro has been the choice of digital audio workstation (DAW) and MIDI sequencer for a myriad of producers and artists. It just got a whole lot better with the Logic Pro X update! Last Tuesday, Apple launched a newer version of its market-leading music production software. The highly anticipated Logic Pro X version 10.5 now offers producers a smoother workflow experience along with many new creative features and tools. Let’s have a look at the latest Logic Pro update in this article…

Logic Pro X on Macbook, iPad and iPhone

Susan Prescott, Apple’s vice president of Apps Product Marketing recently described the Mac and Logic Pro X as “essential tools used by the world’s top musicians and producers to create the music that we all love.” She goes on to say: “from those just getting started with Logic, to those already using it to produce Grammy Award-winning albums. We can’t wait to hear what these artists create next.”

“Apple’s music production software has been used for years on many productions and the new version will make it even faster for us to create lasting songs.” — Denzel Baptiste and David Biral of Take a Daytrip, Grammy-nominated producers of Lil Nas X, “Panini”; Sheck Wes, “Mo Bamba”; Travis Scott and Kid Cudi, “THE SCOTTS”; Juice WRLD, “Legends”; Dua Lipa, “Good In Bed”; and YBN Cordae, “Kung Fu.”

Live Loops

Logic Pro X new interface

On release, Apple referred to the Logic Pro X 10.5 as ” the biggest update to Logic since the launch of Logic Pro X.” One of the biggest changes to this version is the addition of Live Loops in a range of instruments and genres.

With the addition of Lives Loops, Logic Pro X 10.5 now allows musicians to produce music with full creativity in nonlinear ways. You can order loops, recordings, and audio samples into a new musical table where artists can perform and capture different arrangement ideas into the timeline. Tracks can further be edited using all the specialised production tools in Logic.

The Logic Pro X 10.5 is especially suited for techno, pop, and hip-hop producers. The Remix FX feature improves Live Loops through an updated collection of electronic effects like Bitcrusher, filter, gater, and repeater. You can add all these effects in real-time over an individual track or an entire song mix. The new plug-in Remix FX allows for unique gestural control over Logic Pro X’s main output or any other audio track or instrument. The Live loops and Remix FX features are also available on the free Logic Remote app – giving you multi-touch control from your iPhone or iPad.

Novation Launchpad Possibilities

With the arrival of Live Loops, Logic Pro x 10.5 now also supports Novation’s Launchpad series. Launchpad’s famed colourful 8×8 grid offers cell-based looping playback and performance to Logic Pro. The new hands-on experience offered by combining these two products will definitely make music production a lot more fun!

Release notes:

  • Compose music by arranging and triggering cells in a grid using loops, samples, and your recordings
  • Perform and capture freeform arrangement ideas into the tracks area
  • Add Remix FX to perform creative effects like filters, gates, repeaters, and bitcrusher
  • Use Logic Remote on your iPad or iPhone to perform Live Loops and Remix FX using Multi-Touch gestures to trigger several loops or effects simultaneously

Macbook with new Logic Pro X sampler from update

The Logic Pros’ sampler embodies the next generation of the industry-leading EXS24 plug-in, however, the new software also comes with an all-new modern design and expanded sound-shaping controls. Just about anything is possible with the sampler; creating tracks, editing sophisticated multi-sampled instruments, using elegant drag-and-drop workflows that automate complex production tasks and so much more. Release notes

  • Create and edit sophisticated multi-sampled instruments using a drag and drop workflow
  • New modern design provides synthesis, mapping, and zone editing in a single-window interface
  • Integrated zone editor offers detailed control over start, end and loop points
  • Mapping editor enables fast and flexible assignment of samples across the keyboard
  • Flex Time has been integrated into Sampler allowing sounds to be played at the same length, regardless of pitch
  • Auto Sampler automates the process of converting MIDI-enabled hardware and software instruments into Sampler instruments
  • Supports all existing EXS24 instruments

Quick Sampler

Logic Pro X new sampler screenshot

Sounds from within Logic, Voice Memos, and audio files from the Finder are just a few examples of the sounds that can be turned into a playable instrument using the Quick Sampler. You can cut down, edit and loop, every downloaded sample as well as mix it with different creative sound-shaping tools, and play it across a keyboard controller in just a few clicks. This tool can even turn sounds directly recorded into Quick Sampler into a playable instrument.

Release Notes:

  • Import a single audio file to instantly build a playable sampled instrument
  • Quick Sampler automatically identifies the root note, optimal loop points, and matches your project tempo
  • Use Slice mode to chop a vocal or drum sample into multiple slices that can be triggered on a keyboard
  • Record live samples using a microphone, external hardware, or from any track or bus

Drum Synth And Drum Machine Designer

Drum Synth sounds update for Logic Pro x

An electronic drum kit is crucial to DAWs so it’s no surprise Apple significantly upgraded the Drum Synth sounds and its tool for building electronic drum kits. The drum synth for Logic Pro X 10.5 includes many classic and unique percussion sounds such as kick drums, snares, toms, etc. – all generated entirely by software! Not only is there a variety of drums sounds at your disposal, each sound can also be altered using sound-shaping controls. This should help producers really fine-tune the best parts of their projects.

The drum machine designer is now integrated with the new sampling and beat-programming workflows. Shaping and editing individual sounds within a drum kit is much easier now that Apple has enabled users to host the new Quick Sampler and Drum Synth plug-ins from each drum pad. You can play and program the drum kits in real time. You can also use the Drum Synth sounds on any pad in the Drum Machine Designer. Finally, you can even blend these sounds with samples for creative sound design options.

Release notes:

  • Use Drum Machine Designer to build custom drum kits by dragging and organizing samples
  • Directly access Quick Sampler or Drum Synth controls on any pad
  • Easily assign any instrument or third-party plug-in to a pad
  • Perform any sound chromatically to create bass lines or other melodic parts

Step Sequencer

Step Sequencer new Logic Pro X update

Step Sequencer is also an entirely new feature for version 10.5. Apple implementer this editor in Logic to make it easy for producers to add in and programme drum beats, bass lines, and melodic parts using an interface inspired by classic drum machine workflows. Beat Creation is an essential part of hip hop and electronic music production, so Apple has redesigned Logic Pro with exactly this in mind. For creating original parts, the Step Sequencer combines a pattern-based style of music creation with powerful editing options. This tool is great for providing detailed control over note velocity, repeat, gate, skip, playback direction, and randomisation.

Release notes:

  • Build your own beats, melodies and effect automation using an interface inspired by classic drum machine workflows
  • Create and edit patterns with discrete control over velocity, repeat, chance, offset, step rate, skip and tie for each row
  • Use any patch as a sound source, including custom kits made with Quick Sampler and Drum Machine Designer
  • Includes a library of over 150 rhythmic and melodic patterns

Optimised Performance For The Mac

When it comes to working with the most demanding projects with thousands of tracks and hundreds of real-time plug-ins, you will hardly experience lagging or system crashes. Apple has optimised Logic Pro X to take advantage of the latest Mac hardware and the power of macOS, providing producers with incredible performance.

Additional Features

Logic Pro X version 10.5
  • Over 2,500 new loops in a variety of instruments and genres covering modern and classic hip-hop, electro house, reggaeton, future bass, techno, and transition effects
  • 17 Live Loops starter grids covering a range of electronic and hip-hop genres
  • More than 70 new Drum Machine Designer kits
  • Over 1,500 new patches
  • Original multi-track project of Billie Eilish’s “Ocean Eyes”
  • The Drum Synth plug-in generates synthesized kicks, snares, toms, and hi-hats with dedicated sound shaping controls
  • You can drag individual or multiple audio files or software instrument regions into an empty track header. This provides instant options for creating Sampler, Quick Sampler, Drum Machine Designer, or Alchemy instruments
  • Multiple additional enhancements and stability improvements

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Conclusion And Advice

As far as DAWs go, there isn’t much that Logic Pro doesn’t already do. The sheer number of instruments and effects already included in the base program did lead to many users of the software wondering why it even needed to be updated and how it would affect its usability.

However, instead of adding in more complex features, many of the changes for version 10.5 of Logic Pro focus on GUI and workflow. All to make it easier for the user! Even new features, instruments, and effects such as Live Loops or Alchemy are very easy to use and get to grips with – you will be laying down beats and producing hit tracks in no time!

If you aren’t already using this top-notch DAW we strongly recommend you look into purchasing it! Logic Pro X is available from the Mac App Store for $199.99, with a 90-day trial available. For existing users, version 10.5 is available now as a free update.

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Music Employers/Services > Delirious Records

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Muvi Blogs

Beyond The Buzz- Latest Insights From Muvi

Sky invests $45M in iflix – a south east Asian VoD company 12 April 2016

Sky has invested $45 million in iflix, a Netflix type VOD company of Southeast Asia owned by Catcha Group of Malaysia and US based investment firm Evolution Media Capital. Sky also runs NOW TV, Sky Online and Sky Go on the web and mobile, apart from its PayTV offering. Iflix which now has more than a million members, is now available in Malaysia, Thailand and Philippines. With this investment, it is expected to expand to more countries in the south east Asia region.

“iflix has quickly established itself as Southeast Asia’s most exciting and fastest-growing streaming TV service. There are lots of opportunities for Sky and iflix to work together and share expertise as both companies continue to expand,” said Sky’s Group CFO, Andrew Griffith.

Source: Whatech

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When the Raptors face the Magic in London tonight, one participant will be right at home.

It was the beginning of the end and Nick Nurse had a front row seat. With his lips still soaked in champagne, sobriety kicked in fast when it was announced the party had morphed into a wake.

Hours after winning the 2000 BBL Championship at Wembley Arena, Art Hicks – part of the ownership group at the original and best Manchester Giants – confirmed the club was switching from zenith to nadir.

“They took us to a hotel across the street,” Nurse recounts, “and said: ‘hey everyone here is getting an extra bonus… and you’re free to go. We’re shutting it down.’

“That was a great job there though. We had a great team. The guys were getting paid well. We had unbelievable resources to do what ever we needed. We played European games preseason. I’d have stayed there a long time. But it was what it was, and that was the end of it.”

The British Basketball League has not since known it so good. Giants limped on for one more year before enduring a decade-long hibernation. The domino effect spurred one extravagant investor after another to bail and withdraw. Nurse tried his own hand at management in Brighton but the Bears, a one-game cameo from Dennis Rodman aside, were destined to slip from the end of the pier and into the sea.

16 years on, it seems an era in the distant past, of arenas and salary caps, of ambition and infusion, reckless financially but fizzling with fun.

Nurse, eventually, landed soundly on his feet. And he will again sit on a bench in the city where he once coached on Thursday, this time as an assistant for the Toronto Raptors in their midseason NBA showdown with the Orlando Magic at The 02.

Through spells in the D-League, via an abortive three-day employment at Iowa State University that effectively paid the local boy £5000 per hour for his non-service, the 48-year-old is now in a third season on the staff of Canada’s lone NBA club.

Glamour, undoubtedly. A grind as well.

“It’s pretty anonymous really,” he confirms. “It’s enjoyable. There’s not as much front line pressure. I mean we’re all under pressure to win every night but there’s a lot of development work, a lot of film work and it’s busy.

“The games come so fast and furious. You get one done, you review your own team, you make your film edits and before you know it, you’re onto the next one in a different city.

“It goes so fast. There’s not a lot of time to mess around. This trip has been good. We had a couple of days to ease up. But now it’s down to business and getting ready for Orlando.”

Life overseas prepared him well. Nurse came to the UK fresh out of college in 1990, initially to solely play at Derby Storm but then thrust into a coaching role. Enlightened, he returned in 1995 with Birmingham Bullets and – a few temporal hiatuses apart – spent a decade on these shores honing his skills and learning his craft.

It was only supposed to be one season, gaining enough experience to open up doors closer to home.

“But I had a great year at Birmingham, my first year,” he recalls. “And mid 90s-2000, it was rolling pretty good. The TV coverage was great. The level of coaching and play was good top to bottom in the BBL.

“The Bosman rule (forbidding European Union citizens from being classed as imports) changed the league a lot, for the better. And there’s no experience like head coaching experience.

“If you were a college coach, you were getting 25 games a year. Here, you were doing 50-60 when you got done with the BBL Cup and Trophy and the friendlies. It was two years in one and that was great.”

Nurse helped give a coaching clinic in London (Mansoor Ahmed)

Nurse helped give a coaching clinic in London (Mansoor Ahmed)

Salaries were unfathomable in comparison with today’s miserly scale. 11,000 fans watched an epic league title decider between Sheffield and Manchester. TV meant primetime on Sky Sports.

Now it means a webcast online at the lowest possible production cost. And while the domestic league announced a new kit deal with Kappa on Wednesday, few would give credence to its claim of a “sizeable investment.”

When Great Britain featured at the 2012 Olympic Games, Nurse was assistant to his long-time friend Chris Finch who has travelled a similar path to a NBA assistant’s role with the Houston Rockets. Neither man can fathom why the decline was never properly arrested and so much investment delivered so little.

“I don’t know man. To me, it’s such an enigma. Why has it never ever taken off or been solid enough? The only thing from my experience here is it still a lack of infrastructure or places to play?

“It seems to me that the kid who is good from 11-16, where does he go? It becomes a cost-versus-venue and it’s difficult to keep those kids going if they can’t afford to keep playing. I can’t explain it. It’s a bummer. We all invested a lot of our lives in it and it hurts.”

The apprenticeship, this trans-Atlantic expedition, nonetheless served him well. Still a popular figure, he admits to an unmanageable wave of ticket requests from old acquaintances in the UK in recent weeks for the Raptors excursion.

His former assistant Steve Swanson was among those observing as he led parts of practice on Wednesday. Others will watch on their screens and feel a touch of nostalgic pride.

“It’s been lots of years of toils,” Nurse smiles. “Obviously it’s great.”

It is a million miles from where he once stood on the sidelines of the long-demolished Moorways in Derby. But not, he adds, so far removed.

“On one hand, I think basketball is basketball,” Nurse advises. “A lot of what we were doing in the Milton Keynes Leisure Centre or the Northgate Arena in Chester is applicable. It’s about getting guys to play together.

“The Xs and Os aren’t a lot different. It’s just a lot more pressure with a lot more eyes on you. And there’s just a lot more of everything.

“But it’s been awesome. I still pinch myself a bit. Last week, I was in a little bit of a debate with LeBron about a foul at the end of a game. Sometimes, that blows my mind.”

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The Law Office of Matthew M. Williams, P.C.

1444 North Farnsworth Avenue, Suite 307, Aurora, IL 60505

Yorkville Office By Appointment

Initial Consultations via ZOOM Available

Aurora, Illinois Adult Guardianship Attorney

Adult Guardianship Attorney

Lawyer in Kane County Protecting Adults With Disabilities

At one point or another, almost all of us will need help of some type from another person. For many of us, the need will be temporary, such as while recovering from an illness, injury, or surgery. For other people, however, the need for help will be much more serious and will last for much longer—possibly for the rest of their lives. Issues such as cognitive impairments, physical disabilities, and advancing age all can force an individual to rely on the assistance of others. In some situations, a person might even struggle to manage the everyday affairs of his or her life.

I am Attorney Matthew M. Williams of the The Law Office of Matthew M. Williams, P.C., and I have been helping protect the rights of adults with disabilities for more than 15 years. With my experience and legal knowledge, I understand the challenges that disabled adults face every day. If you have a loved one who is in need of assistance, I can help you decide if seeking guardianship of your loved one is the best course of action.

Understanding Adult Guardianship in Illinois

Under Illinois law, you can only be appointed as the guardian of an adult by the court, and only if the court determines that the adult is disabled to a degree that makes a guardianship appropriate. The law defines a qualifying disability as any physical, emotional, mental, or other condition that limits a person in making responsible decisions regarding his or her affairs or communicating such decisions to others. The court could enter a finding of disability based on:

  • Physical limitations, including conditions that limit speech;
  • Psychological disorders or mental illness;
  • Developmental disorders; or
  • Cognitive impairment or deteriorated mental abilities due to health or advanced age.

A qualifying disability could be caused by a sudden event, such as a severe accident or acquired illness, or the disability could develop over time, such as impairments caused by age or degenerative disease.

Types of Guardianship

If you wish to be appointed as your loved one's guardian, you have the right to ask the court to do so. It will be under the court's authority, however, to decide how much help and the type of help your loved one actually needs. In Illinois, there are two basic areas of responsibility related to guardianships. If your loved one needs help with his or her financial affairs, including paying bills and managing a home, the court could name you as "guardian of the estate." By comparison, you could be named as "guardian of the person" if your loved one needs help with health care and medical-related decisions. As guardian of your loved one's person, you can also help him or her apply for government aid programs like Medicare, Medicaid, and Social Security. At the court's discretion, you could be appointed to serve in both capacities, or a different person could be named to each role.

In addition, the amount of authority that you have as a guardian will depend on the circumstances of the situation. For example, the court could limit your guardianship responsibilities to helping your loved one pay his or her household bills while not allowing you to make long-term investment decisions on your loved one's behalf. In situations where your loved one needs significant help, however, the court could give you virtually unlimited authority to make decisions for him or her indefinitely.

Powers of Attorney in Illinois

Depending on your loved one's circumstances and type of disability, he or she could grant you authority similar to a guardianship by drafting a power of attorney. Signing a power of attorney document can allow your loved one to appoint you to make decisions on his or her behalf without waiting for guardianship proceedings to be finalized. Illinois law recognizes two types of powers of attorney: a power of attorney for property, which gives authority to make decisions about financial and money matters, and a power of attorney for healthcare, which gives authority to make decisions about health and medical issues. I can help you determine if a power of attorney is right for your unique situation.

Call 630-409-8184 for Guardianship Guidance

At Law Office of Matthew M. Williams, P.C., the issue of guardianship is one that is taken very seriously. I know that the process of being appointed a guardian is difficult and intensely personal, and I am committed to helping you help the ones you love. For more information, contact our office. Call 630-409-8184 for a confidential consultation today. I serve clients in Yorkville, Oswego, Geneva, St. Charles, Sugar Grove, Aurora, Batavia, Naperville, Wheaton, DuPage County, Kane County, and Kendall County.

The Law Office of Matthew M. Williams, P.C.

1444 North Farnsworth Avenue, Suite 307, Aurora, IL 60505

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Jalan Tan Hiok Nee Culture Street

Here, taking you on a walking heritage tour of the old hawkers of old town Johor Bahru, which located mainly along Jalan Tan Hiok Nee and also the surrounding streets as well.

Sang Heng Teochew Kway Teow Soup Shop

Sang Heng Teochew Kway Teow Soup Shop is an institution in Johor Bahru is neither a common nor an exaggeration. It located just next to the OCBC branch at the east and of Jalan Tan Hiok Nee. Sang Heng has been here in this same old Jalan Tan Hiok Nee location for decades. The stall holder has been here since the 1950s.
Sang Heng  Shop   Dry Kway Teow & Bee Hoon Mix   Kway Teow Soup

Hua Mui Coffee Shop

After Sang Heng, you may save the coffee for the next stop. Along Jalan Tan Hiok Nee and the junction with Jalan Trus Turn to your right towards Hua Mui Coffee Shop along Jalan Trus. Hua Mui opened for business in the 1950s as well. The menu at Hua Mui is an extensive mix of Chinese and Western fare. You shall stop here for Hainanese coffee, soft boiled eggs and French toast.
Hua Mui Coffee Shop   Hainanese Coffee & French Toast   Hainanese Fried Chicken Chop
Desaru's beaches

Kok Yow Yong Herbal Stall

Walk down slope along Jalan Trus, at the junction with Jalan Pasar, you will be at Kok Yow Yong Herbal Stall. It has been here for a hundred years, making it the oldest here in old JB town. The stall front has been modernised but the herbal drink is still the same like the old time.
Desaru's beaches

Salahuddin Bakery

Back at Hua Mui Shop turn right along Jalan Dhoby and keep walking along the shops until you come to Salahuddin Bakery. No much changed at Salahuddin's since the bakery started the business here in 1937. That old wood fired oven still in use. There still have those lamb filled Bengali curry puffs with flaky crusts.
Desaru's beaches

IT Roo Cafe

After Salahuddin Bakery, cross Jalan Dhoby to the restaurant diagonally across -  IT Roo Cafe. IT Roo started the business in 1961, and during its heydeys want even named the Best Chicken Chop in Malaysia in 2003. Much has changed at IT Roo with only the old photographs in the shop to remind us of it legacy. However, IT Roo's chunky chicken chops are still a crowd puller.
Desaru's beaches

Red House

Walk down along Jalan Pahang, at the junction of the Jalan Pahang and Jalan Tan Hiok Nee, you will see the most photographed building in old JB town. Originally the home of a wealthy Indian family, the Red House is now the venue of cultural and arts events.
Desaru's beaches

Kin Wah Kopitiam

At the Red House, walk along Jalan Tan Hiok Nee towards Jalan Trus. At the junction of Jalan Trus and Jalan Tan Hiok Nee, you will see the popular Kin Wah Kopitiam
Desaru's beaches

Hiap Joo Bakery

Right across Kin Wah Kopitiam along Jalan Tan Hiok Nee is Hiap Joo Bakery.  Like Salahuddin Bakery, Hiap Joo Bakery also uses a wood fire oven from 1919. The traditional hot favourites are Hiap Joo's coconut buns and banana buns.


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How Clean is your Water?

Berkey Water Filters for sustainable hyration anywhere.

The most advance water purification system on the market.

Affordable Pure Water Daily.

Whether your water source is City, Rural or River you can be confident that it is pure to drink.  See details on all the options below...


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About the Initiative

In February 2007, State Superintendent of Public Instruction Jack O’Connell announced his intent to lead an effort to identify ways the state can better assist counties, districts, and schools in their efforts to close California’s achievement gap.

As public schools in California and across the nation become increasingly diverse, the most pernicious and challenging education issue of our time is the academic achievement gap. The racial and economic achievement gaps are a fact that California simply cannot afford to accept—morally, economically or socially. We know that all children can learn to the same high levels, so we must confront and change those things that are holding groups of students back.

"Sadly, too many people view (California's) diversity as a big problem. I don't. Instead, I say: Imagine! Imagine the potential of that diversity in today's–and tomorrow's—global economy. If we educate these students well, our state would not only be able to compete more effectively, but it would be able to lead our nation and the world economically."

—State Superintendent Jack O'Connell

The Superintendent's approach to developing and implementing a plan for closing the achievement gap includes charging his California P-16 Council (Council) to provide recommendations on what the State can do differently to assist local education agencies in closing the achievement gap. In addition, he established a P-16 Unit within the California Department of Education to assist the Council in their work.

The P-16 Unit will conduct extensive information gathering via examining existing research; surveying educators, students, families, and other stakeholders; identifying current exemplary successful practices in California; conducting town hall meetings, community forums, and through a statewide Achievement Gap Summit in Sacramento in November 2007.

The P-16 Unit will be visiting schools, county offices of education, and school districts to gather vital information and input. Based on the information gathered, the Superintendent will outline his initial recommendations in his State of Education Address in early 2008.

Defining the Achievement Gap

The U.S. Department of Education describes the achievement gap as the difference in academic performance between different ethnic groups. In California, the gap is defined as the disparity between white students and other ethnic groups and between English learners and native English speakers, socioeconomically disadvantaged and non-disadvantaged, and students with disabilities as compared to students without disabilities.

Learn more about the achievement gap in California

P-16 Council

A statewide assembly of education, business, and community leaders charged with developing strategies to better coordinate, integrate, and improve education for preschool through college students.

Our Partners

Find out about the partners working on the initiative.

Browse Publications

Browse our recent publications and findings about the initiative.


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Teach Your Dragon Body Safety: A Story About Personal Boundaries, Appropriate and Inappropriate Touching

$12.95 USD

My Dragon Books - Volume 44

Having a pet dragon is so much fun.

You can teach him to sit, roll over, and play…

You can teach him to make friends, control his anger, overcome his anxiety, show respect, and many more…

But, how do you teach him about the delicate subject such as Body Safety?

  • How do you help him understand appropriate and inappropriate touching?
  • How do you prepare him to deal with different real-life problematic situations?
  • How do you teach him about protecting his body and his privacy?
  • How does he know to respond and tell others that he doesn’t want to be touched?
  • What can he do when someone makes him feel uncomfortable?
  • Who does he talk to or ask for help when he feels unsafe?
  • How can you teach him to be in control of his own body and respect others’ personal boundaries? And so much more…

Get this book now and learn how!

Written from a children’s point of view, this fun, cute, and entertaining illustrated book is a must have book for parents, teachers, counselors and educators to gently teach kids about Body Safety, Inappropriate / Appropriate Touching and appropriate response to keep kids safe!

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Based on 12 reviews Write a review


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Events in Barcelona

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Barcelona: Illa Fantasia Water Park Skip-the-Line Day Ticket

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Spend an unforgettable day at Illa Fantasia Water Park and experience its 3 giant pools and over 22 slides. Head to the big picnic area when you’re ready for a food break. Transfers from Barcelona are included.

  • Experience the fun at the Barcelona area's best water park
  • Cool off on the many slides and in the pools throughout the park
  • Visit the pirate ship and relax in the picnic area

Enjoy a whole day of fun at the Illa Fantasia Water Park. Your ticket includes round-trip transfers from central Barcelona and full-day admission to the park. Illa Fantasia offers all kinds of exciting attractions on a 75,000-square-meter site, including 22 water attractions, 3 giant swimming pools, a playground and recreational areas. One of the most popular attractions, the pirate ship, in turn offers fun entertainment out of the water. Facilities include free parking, and a large area for picnics and barbecues if you wish to bring your own food. If you’d rather buy food at the park, you’ll find a number of restaurants offering different menu choices.

Full-day water park access Parking Entrance to the Aqua Sound Pool Party (on Thursdays)
Lockers Food and drinks

Important Information

  • On 8 July, 14 August, and 9 September, the park will be closed for a special event

Easy cancellation

Cancel up to 24 hours in advance to receive a full refund

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Events in Barcelona

Filter Events by Sub-Category

Please select a Date first.

Search for a company in Barcelona

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Register your account below, if you already have an account, select Login.

Khana Restaurant in Barcelona

Khana Restaurant in Barcelona offers a tasty menu of delicious Indian cuisine with Mediterranean influences that aims to provide an authentic and unique dining experience.

Located in the Eixample district and with a spectacular decoration, the wide range of chicken, lamb and prawn curries served will guarantee to leave every taste completely satisfied.

Set menus for groups are also available.

Casanova, 68, Barcelona---City-Centre-Eixample, 08011

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Login to create your guides for Barcelona.

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Create & Share your Guide to Barcelona with friends and family!

Add your recommended places to visit by browsing the website and pressing the icon.

Create your own guide of favourite 'must see' places

Earn your Local Expert badge by Sharing your guides with others

Get your guide seen by submitting it to the Mini Guides section

Part of the My Guide Network

My Guide Barcelona is part of the global My Guide Network of Online & Mobile travel guides.

We are now in 120+ Destinations and Growing. If you are interested in becoming a local travel partner and would like to find out more then click for more info about our Website Business Opportunity.

Nearby Destinations


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Black Bean Power Salad

In two short weeks both of my kids will fly the coop and nestle themselves in the backwoods of Main for 7 weeks of sleepaway camp. Lucky for me, I still do love my husband and I still cherish our time together.  I'm looking to these next few weeks as an opportunity to share quality time and experiences and conversation that are otherwise robbed from us when we're in the throws of parenthood.  Additionally, I'm looking forward to  some no bake recipes, and others that I know for certain, one or both of my kids might not eat. For a simple … [Read more...]

Homemade Challah in a Bag

  Maybe it's because my kids are on spring break that this recipe for homemade Challah piqued my interest. Seriously.  Can one make homemade Challah in a bag?  It's the lazy person's way to make Challah and I LOVE IT. I admit, I was dubious when we initially watched the video but, I set out with my son to try to recreate this science experiment, ahem, homemade Challah recipe. Yes, we might have been using outdated yeast and, yes we only watched the video and followed the written directions on the screen.  I would recommend watching … [Read more...]

Dry Roasted Edamame and Cranberry Mix

I'm on vacation with my family right now, far from home, and I just enjoyed a snack of Dry-Roasted Edamame with Cranberries.  I smiled as it made me think about a recipe I made years ago when I first started writing this blog. It's amazing to me that I hadn't even tried edamame until college. But, I do remember it was love at first taste.  And, with a little sea salt, these beans can go a long way- not to mention all of the high nutritional and health benefits they boast*: Just one half cup of these green beans is equal to 9 grams of … [Read more...]

Eggplant Cauliflower Sage Soup

With the temperatures creeping up and a few layers being shed, I find myself turning to my recipes that help to lighten up our meals.  The Eggplant Eggplant Cauliflower Sage Soup from Serena (aka Seriously Soupy) is one of my soupy faves. While it's not traditionally thought of as a warmer-weather food,  soups are an easy way to enjoy the freshest foods from your local farmers’ markets while also enjoying a healthy and quick meal option. Much has been touted about cauliflower for its health benefits that Serena was prescient to think it … [Read more...]


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 Hello, My Name Is Kate » technology

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Dream job: Alpha Tester

By kate on February 8th, 2008

My network of ex-Jobster colleagues contains an unusually large number of small startups. I can count about 14 startups that have been founded or co-founded by ex-Jobsters, and many others who employ ex-Jobsters. Because of my connections at these new ventures, I’ve had the opportunity lately to do some alpha and beta testing, and have […]

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A brief note on Facebook

By kate on December 15th, 2007

It seems that everyone is suddenly saying that Facebook is done. Whether they’re mad about Beacon, or just annoyed by all the zombie requests, the honeymoon is definitely over. Like everyone, I find I’m checking my news feed less frequently (not every day, but still several times a week). There’s one point that I haven’t […]

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How and why I Twitter: Part 3

By kate on December 4th, 2007

Now, to the mechanics of it all. I mentioned using Facebook as well as Twitter. I also access them from my Blackberry (cell phone) as well as my computer. I’m the sort of lazy person who will go to a lot of effort up front to make things easier for myself down the line. I […]

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How and why I Twitter: part 2

By kate on December 3rd, 2007

I’d like to try to explain, to those of you who don’t twitter, why it is so engaging. I can look down the list of recent twitters and quickly absorb what everyone is saying (because twitters are so short). It is a very efficient way to keep up with a large number of people. When […]

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How and why I Twitter: part 1

By kate on December 2nd, 2007

I resisted Twitter for a long time because I couldn’t understand the appeal. It was only after I sort of backed into it that I fell in love. This is the three-part story of how that happened, why I love it, and some of the behind-the-scenes mechanics of how I configured it all. It started […]

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Camera-buying advice

By someone else on November 10th, 2007

We recently asked my brother, Mark, for advice on whether to get a point-and-shoot (P&S) or digital SLR for our next camera (we’ve had both). Mark is a good photographer and the kind of guy who takes the time to do a ton of research before making a major purchase. His response was so good […]

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Full Circle Organic Pears, Slices, Bartlett

In pear juice form concentrate & water. 100% juice. Return to a natural way of living. USDA organic. Per 1/2 Cup Serving: 60 calories; 0 g sat fat (0% DV); 5 mg sodium (0% DV); 10 g sugars. Visit us at: www.fullcirclefoods.com. 100% satisfaction. Certified Organic by Yolo Certified Organic Agriculture.


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Tuesday, December 22, 2015

Hello stampers,
     Sorry I haven't posted much since last week tried real hard to finish up Christmas cards so they could get put in the mail but only ended up getting 1/2 of them out the rest went out yesterday. One of these years, I'll actually get them out early.
     For today's BSU challenge it is all about the stamp set or in this case the stamp sets, we chose to feature Festival Of Trees or Peaceful Pines, since they were so similar. To start the card I actually cut the Home For Christmas DSP paper first, then used the Lots Of Labels Framelits to cut the center of it out. This was then attached to Whisper White Card Stock, where I then die cut a smaller frame into the front of the card stock base so that they would line up. Next, I stamped one of the trees from the Festival of Trees Stamp Set through the frame using Pool Party Ink, topping it with a star from using the Itty Bitty Accents Punch with Silver Glimmer Paper. After that I added the sentiment from the set to the front using Smoky Slate Ink. To finish the card I used Silver Sparkle Dazzling Details for the ornaments on the tree.

     Don't forget to head on over to Carol's blog HERE and then to Stace's blog HERE. To see what both did for this week's challenge. I'm sure both will be fantastic. Hope you try this challenge out too! We have a new Facebook group if you want to join us and show us what you came up with HERE. VC Rocks opened for the usual December holiday greetings session & this week we are having a blog hop HERE head on over to see what other members have done for their Christmas projects.

~Thanks for stopping by!
All supplies are Stampin' Up! unless otherwise noted.

Sets: Festival Of Trees
Ink/Markers: Pool Party, Smoky Slate
Paper: Whisper White, Silver Glimmer Paper, Home For Christmas DSP
Other: Lots Of Labels Framelits, Silver Sparkle Dazzling Details
Technique: Die Cutting

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