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Hints, tips and other helpful information videos regarding meters and associated products
Posted: 22nd January 2019
We supply easy to install, high quality smart meters that can be read from wherever you are in the world on PC, tablet or mobile phone by using MeterOnline.co.uk it's simple to collect and monitor meter readings and take the hassle away from creating reports and bills.
Remotely reading various Mbus meters on MeterOnline.co.uk
Posted: 21st July 2018
Remotely reading M-bus electricity, heat, gas and water meters on MeterOnline using the Elvaco CMe2100 Mbus Gateway.
Remotely reading various meters for billing or pre-payment
Posted: 21st July 2018
Remotely reading gas and water meters for pre-payment & billing using the Emlite Smart Meters listed above and PMM1280 gas/water sender and MeterOnline.co.uk
Emlite prepayment meter card recharging software
Posted: 22nd April 2018
Learn how to use the prepayment meter card recharging software using our video.


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I'm not seeing any attachment?Attached are the SMF Recipe Collection files for June. One is in Microsoft Word format and one is in PDF format.
Please note the following:
Have fun!
- The June recipe collection has 317 recipes (added 20 recipes since last month).
- Per a request by Jeff, I have included the screen name and the link to the actual post for most of the recipes included in this collection (there were a few that I couldn't find the actual post for).
- Going forward, I'll be contacting the actual posters before posting their recipes in this collection.
- The collection is currently available in MS Word format and in PDF format for those who don't use MS applications.
- In the Word version the table of contents has the usual Word functionality (Windows). If you press the Ctrl key on your keyboard while clicking on the recipe you're interested in, it will take you to that recipe
- In the PDF version you simply click on the link in the table of contents and it will take you to that recipe.
- The format is ideal for printing but can be used just as easily from your desktop.
- Inclusion in this collection is entirely voluntary, if you don't want your recipes listed in this document, IM me and I'll be sure to exclude you from the collection.
- Feel free to contact e via IM if you have any questions or suggestions.
I've moved these files up to my Google Drive. You can access and download them using the links below:
Word Format:
PDF Format:
Let me know if you have any problems.
How do I download these?I've moved these files up to my Google Drive. You can access and download them using the links below:
Word Format:
PDF Format:
Let me know if you have any problems.
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subset: commoncrawl


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Traditional physical schooling focuses on the development of competence within the hopes that elevated confidence will outcome. It usually fails nevertheless, to account for the vastly differing competencies of scholars in numerous sports activities or actions. An inquiry based mostly strategy meets college students where they're at. Elevated competence and confidence inevitably result.
I used to be completely happy for the medical remedy I obtained, however after 3 weeks and a clean invoice of health – thank you sir, goodbye! I needed to depart with nowhere to go. After being gone for ten years, I needed to begin from scratch. 35 degrees outside and all I had was the t-shirt, shorts and flip-flops I wore when I used to be returned to the States.
In personal engineering schools MCA faculties will not be paid well. They are known as by folks as 'arts folks'. Even when they full Ph.D having 15 years expertise they are given salary equal to a M.E. more energizing. MCA Ph.D is better than M.E Ph.D. The engineering faculties unite four M.E. college students' undertaking and submit it as Ph.D work. But they are recognized nicely and get full salary as per AICTE norms. Why is this shameful practice is in engineering colleges of southern tamildu.(e.g. PSN Engineering faculty and its sister concerns). This matter ought to be taken to the AICTE for action.
For starters, take the claim that college students are given extra tutorial time. Until a scholar takes a class each single day for both semesters, this isn't true. Actually, a standard block schedule presents the equal of 3 weeks less tutorial time, when compared to a really conventional schedule! Whereas the calculations to the correct are primarily based on a 50 minute class interval, many faculties really use a fifty five minute interval, so the amount of tutorial time misplaced is even better.
Thanks for your awesome physical therapy posting-it's extremely useful. I wished your feedback on my scenario. I graduated about 6 years in the past with a degree in oceanography, and I have been a Naval Officer since I graduated. I used to be wondering if that could assist me in the utility process or harm me. I've been taking prerequisite lessons that I didn't already have (like the biology ones) at a local people school, and I have been volunteering at 2 clinics.


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Oregon Wood Floor has been in operation since 1989. We remain in business, through difficult economic times, by providing excellent customer service and satisfaction. Our goal is to provide the highest quality hardwood floor that fits your budget, respects your time schedule, and treats your home as if it were our own.
Our craftsmen have over fifty years combined experience with particular focus on customer communication and courtesy. We are constantly searching and updating more efficient and higher quality products and methods.


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- design
- mobile
I bought Zephyr an 11' air. I have been using it for the last 24 hours. Loving it. I think the size makes a, surprisingly, huge difference. It's so small that I notice myself put it away a lot. I think even better now given the subtle change of its size.
Form factor wins.


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R, A Next generation Data Science tool, Learn why?
The data is all around us. Every electronic device that we are using is generating data. All this data is …Read MoregitsacademyApril 18, 2018
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Training уоur tеаm іѕ vital to thе ѕuссеѕѕ of аnу project, еvеrуоnе wаntѕ thеіr employees to hаvе the tools they …Read MoregitsacademyNovember 8, 2017
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Created by Doug Cutting and Mike Cafarella in 2006, Hadoop is an open-source platform that is used for data processing …Read MoregitsacademyApril 7, 2017
What are the advantages of taking up Tableau Online Training?
In this highly competitive world, it is important to constantly update your technical skills and knowledge in order to grow …Read MoregitsacademyMarch 28, 2017


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John Lewis has released its 2015 Christmas advert. You can watch it here:
The advert features an old man living on the moon.
And a young girl on Earth keen to make contact after spotting him through her telescope.
Fast-forward to Christmas Day.
And the old man on the moon receives a gift.
A telescope.
The advert ends with the pair finding each other and the young girl waving.
It has been made in association with Age UK.
The two-minute advert features an acoustic cover of Oasis's "Half the World Away" performed by 19-year-old Norwegian singer Aurora.
The John Lewis Christmas advert has a history of making people cry and some on Twitter claimed the department store had done it again this year.
The department store's Christmas ad is one of the most eagerly awaited of the festive period. This was John Lewis's advert last year:
The John Lewis Christmas Advert Has Resulted In A Lot Of People Being A Sobbing Mess Again
The John Lewis Christmas Ad: Alternate Ending
The 2014 John Lewis Christmas Ad: Alternate Ending


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Frank Sadler, GOP presidential candidate Carly Fiorina's campaign manager, sent an email to supporters updating them on Fiorina's fundraising efforts and growing support.
"In total, Carly has raised over $1.4 million in hard dollars toward the primary alone. We won't raise as much as others at this early stage of our campaign, but we will raise what we need to go the distance," Sadler stated.
In just 63 days campaigning, Fiorina has made it to 15 different states and is currently in New Hampshire with 13 events on her schedule there.
Sadler said:
Americans are ready for a leader who is outside the political class and will challenge the status quo. In every state, Carly connects, often getting more standing ovations and longer lines than any other candidate in the field. She's given hundreds of television, radio and print interviews and isn't afraid to take on tough questions. As we introduce Carly to voters across the country, we will continue to prioritize talking with voters and addressing the issues.
Sadler also pointed out the growth seen in recent polls, as Fiorina continues to climb. He said:
NBC News and the Wall Street Journal surveyed Republican primary voters nationwide and found more than half didn't know Carly's name and only 17 percent could see themselves supporting her as the Republican nominee for president. Less than 45 days later, that same poll found that Carly had cut her name ID deficit by 14 points and had almost doubled the support of her candidacy. She now consistently ranks among the top 10 Republican presidential contenders.
A recent CNN/WMUR poll found Fiorina tied for fifth place in New Hampshire.
"Just 60 days after Carly announced that she is running for President of the United States, the momentum is real. We are building a movement day by day, speech by speech, interview by interview. As Carly has said time and time again: Don't underestimate her," Sadler concluded.
CARLY for America announced Monday that it raised roughly $3.4 million.
"We are well on our way to meeting the budget we laid out at the beginning and are thankful to have the support of so many people from across the country," said Steve DeMaura, Executive Director of CARLY for America.


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SANTA CLARA, Calif. — Santa Clara volleyball is set for its 2018 home-opening match. The Broncos host Sacramento State on Tuesday night in Leavey Center for a 6 p.m. first serve.
Opening weekend featured the team's first victory over New Mexico in program history at the Idaho Volleyball Classic. The Broncos swept the Lobos on Saturday morning for their first win of the season. They went 1-2 in the tournament after falling to host Idaho 3-0 on Friday night and finishing the weekend with a 3-2 defeat against Grand Canyon on Saturday night.
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Junior Alexa Dreyer earned all-tournament team honors by compiling 27 kills and an SCU-best six aces in her debut weekend with the team. Dreyer served up four aces against the Antelopes and spurred several key Bronco runs during the tournament.
Freshman Michelle Shaffer led the Broncos with 36 kills (3.27/set) and had 24 digs over three matches in Idaho. She topped the team in kills against New Mexico (12) and Grand Canyon (20), and added 11 digs for a double-double against GCU.
Junior Ngozi Nwabuzoh had 32 kills in 21 sets and 15 matches during her first two seasons with the Broncos. She has already eclipsed her 2017 kill total with 26 through three matches this season. She hit .365 to lead the Broncos last weekend.
Freshman Liliana Light racked up 114 assists (10.36/set), including 54 against the Antelopes. She set the Broncos to a .257 hitting percentage in the first four sets on Saturday.
Junior Michelle Gajdka, who logged 10 double-doubles in 2017, had her first of the 2018 season against Grand Canyon on the strength of a 13-kill, 11-dig performance.
Roster Breakdown
• The Broncos return 12 players from the 2017 roster, 10 of whom saw the court last season.
• Michelle Gajdka and Taylor Odom played in all 30 matches and 115 of 116 sets a year ago. Gajdka led the team with 361 kills (3.14/set) and ranked third with 277 digs. Odom tied for the team lead in block assists (97) and was second with 108 total blocks (.94/set).
• Allison Kantor and Tessie Powers each took the court in 29 of 30 matches. Kantor, a 2017 WCC All-Freshman Team selection, posted seven double-doubles on the season and closed out the year with six double-digit kill efforts in her last seven matches. Powers finished second on the 2017 team with 287 digs and posted 10-plus digs 16 times.
• Brittany Gillingham (25 matches), Tatiana San Juan (23), Gretchen Reinert (19), Chloe Loreen (16), Anna McCreadie (11) and Ngozi Nwabuzoh (9) round out the returners that took the court. Laura Willems did not play last season and Kathryn Decker redshirted.
• Santa Clara welcomes six newcomers: UCLA transfer Alexa Dreyer — who joins the team with two years of eligibility remaining — as well as freshmen Alex Anthony, Kamrin Caoili, Liliana Light, Natalia Rentsch and Michelle Shaffer.
• 2017 players lost to graduation: setter and 2017 West Coast Conference assists leader Kirsten Mead (1,232 assists, 10.62/set), middle blocker Jensen Cunningham (team-best 114 total blocks), setter Erin Reineking. Mead also led the team with 33 aces.
Head Coach Jon Wallace
• Jon Wallace, the winningest coach in program history, is in his 20th season at the helm in 2018. His overall record is 362-208 (.635).
• The Broncos have reached the NCAA Tournament 13 times in Wallace's 19 seasons.
Home-Opening Matches
• Wallace is 14-5 in home-opening matches, including a 5-1 mark in the last six seasons.
• Redshirt juniors Anna McCreadie and Taylor Odom, junior Alexa Dreyer and freshman Liliana Light are the 2018 team captains.
Class Breakdown
• Seniors: 1 - Tatiana San Juan
• Juniors: 7 - Alexa Dreyer, Michelle Gajdka, Anna McCreadie (RS), Ngozi Nwabuzoh, Taylor Odom (RS), Tessie Powers, Laura Willems
• Sophomores: 4 - Brittany Gillingham, Allison Kantor (RS), Chloe Loreen, Gretchen Reinert
• Freshmen: 6 - Alex Anthony, Kamrin Caoili, Kathryn Decker (RS), Liliana Light, Natalia Rentsch, Michelle Shaffer
• By State: California (13), Oregon (2), Washington (2), Colorado (1)
• SCU leads the all-time series 19-10 and has won five in a row | First Meeting: 1979
• 2015: 9/19/15 @SAC | Santa Clara Won 3-1
• Last Sacramento State Win: 10/9/07 @SAC (3-0)
• Last Sacramento State Win at Santa Clara: 11/4/97 (3-1)
Sacramento State opened the 2018 season by defeating Utah State 3-1 on Friday before falling to Cal State Northridge 3-2 on Friday and Arizona 3-1 on Saturday as hosts of the Hornet Invitational. Mikaela Nocetti totaled 37 kills (3.36/set).
The reigning Big Sky regular-season champions went 26-10 and 15-1 in conference last season en route to an appearance in the NIVC postseason tournament. Sacramento State is picked to finish third of 11 teams in the conference this season.
Season and single-game tickets are available. Click here to purchase online or contact the ticket office weekdays between 8:30 a.m. and 5 p.m. at (408) 554-4660 or firstname.lastname@example.com. Group discounts are also available through our ticket office sales and service consultants. Doors to Leavey Center are open one hour prior to first serve. Pricing is subject to change.


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There are many things to look forward to at the holidays. Among them are the usual things: hanging with friends and family, giving and receiving gifts, the general good cheer of the folks in your neighborhood and workplace and maybe more free time to contemplate changes at the new year. One benefit that I always look forward to is the chance to get adequate, and regular, sleep. So maybe you haven't booked your high-end sleep away holiday or aren't jetting off to an exotic tropical local for the New Year break. You could , however, make a conscious effort to rest more.
While the holiday season isn't necesasrily like a vacation – what with the stress of family gatherings and such – we are afforded a bit more time to try to relax. We can "sleep in" on many days or maybe even take daily naps if that is not our norm. This is a good thing. Sleep affords us some pretty important system rebuilding and recovery time for staying healthy and energized. Here are a few things to keep in mind about the benefits of sleep and some suggestions for optimizing your rest.
The old saying "you snooze, you lose" has a very practical application to your health. Not enough sleep is a risk factor for weight gain and it may increase stress hormone levels, blood pressure and inflammation in the body. Inflammation is a key indicator of a system in distress. That said, oversleeping can also indicate some system dysfunction. We need differing amounts of sleep depending on our age and what's happening in our lives. Generally, adults should be getting about 8 hours of sleep a night so if you are regularly in the 7 to 9 hour range and you fall asleep and wake up pretty easily – you're good.
Eliminate caffeine in all forms after 2PM. Caffeine has a half life of 6 hours in your body. Make sure you give it plenty of time to dissipate so you can "shut down" your systems for bed time.
Ban all light emitting gadgets from the bedroom. Research shows that these "blue light" emitting devices disrupt the normal regulation of melatonin. Melatonin is the main hormone that regulates your sleep and waking cycles. I use f.lux™ on my laptop and phone so when working after dark the light spectrum being omitted from my screen is less stimulating (suppressing melatonin) to my brain.
Keep it cool, quiet and dark. This might seem obvious, but a cooler, quieter and darker space will trigger all the right body chemistry – assuming you haven't altered it in any significantly stimulating way in the couple of hours leading up to bed time.
Ideally, if you get enough sleep you will wake up naturally, without an alarm clock. The alarm interrupts the natural sleep cycle. Some alternatives to an alarm are the use of a dawn simulator or switching your clock or wake up gadget to using a mellow station on Pandora or Rdio. That way you slowly come to life vs being jarred awake.
Avoid the snooze alarm. It confuses the your body's regulation of serotonin and dopamine. These are neurotransmitters involved in the "chillax" and "get up and go" modes of your body. As an adult, if you are getting between 7 and 9 hours a sleep nightly then you will likely not need the alarm at all. I don't use one and I get between 7 and 8 hours of sleep most nights.
These are just few tips from decades of research on sleep. Try just one of these this holiday season and pay attention to your experience at bed time and the next morning. If you have any other favorite tactics then please share in the comments. Have a happy rest-filled New Year everyone!


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Joo Bar: Reborn Korean concoctions
Singapore has had good Korean restaurants for some time but as our fascination for all things Korean matures, more and better things to satiate our curiosity arise
With the ascendency of K-Pop and K-Drama in Singapore, it hasn't taken long for other elements of Korean culture to arrive onto our shores. Joo Bar, a modern Korean eatery, is a recent addition. Located on Tan Quee Lan Street, Joo Bar is the creation of two Korean food and culture aficionados, Jamie and Kristin Lim, who wanted to introduce Korean bites along with traditional Korean drinks, called makgeolli, with a modern twist.
Makgeolli Resurgency
A traditional favourite among Korean farmers, "makgeolli", meaning "coarsely-filtered" in Korean, is a whitish, milky, alcohol commonly brewed from rice. On its own, makgeolli has subtle sweetness, thin viscosity, and very faint scent. Its whitish colour is quite soothing in appearance and evokes the innocence of milk. But beware, its alcohol content is higher than beer at 6% to 8%. Recently, makgeolli's popularity has grown in Korean cities' hipster bars and eateries, where younger urbanites imbibe makgeolli while nibbling on titbits.
Its whitish colour is quite soothing in appearance and evokes the innocence of milk. But beware, its alcohol content is higher than beer at 6% to 8%.
Joo Cocktails with Twist
Within the historic three-storey shophouse Joo Bar offers a variety of makgeolli home brewed using organic rice and purified water, and mixes it with other liquors for colour and flavours. One can opt for the traditional makgeolli or any of their more creative mixes such as their Grape Soju Mojito ($14/glass), Yucha Makgeolli Slush (small, $22), or the Sojurita ($28, serves 2 to 4 people). The Yucha Sojurita was my favourite – a monster-sized glass filled with frozen soju-yuzu Cointreau-lemon juice mixed with an overturned bottle of Hite beer stuck in the middle. It reminded me of a 7-Eleven Slurpee: Sweet, slushy-cold and tasty, yet packed with an alcoholic punch. For the more curious, Joo has created speciality makgeollis – The Busan Breeze ($20), Gangnam Dreaming ($22), Hong Dae Tripping ($24) and Itaewon Freedom ($22) – each one a tribute to specific regions in Korea. Each drink comes in pretty, soft pastel colours, which immediately evoke a sense of tropical fun. For ladies who prefer the subtle presence of alcohol, these drinks are pleasantly balanced to mask the alcohol taste. It will be hard to stop at one. For $20-plus each, a night of indulgence will add up fast. So let this be a warning for budget-conscious guys who intend to bring their dates!
One Cannot Live on Alcohol Alone
What should follow luscious libations? Great food, of course. So it would be a travesty not to mention the food at Joo Bar. Unlike traditional restaurants, Joo's food is designed to go well with the drinking experience. Its Baby Eel Paper ($14), which is deep fried baby eel sprinkled with chilli salt and lime zest, was a first for me. The crispiness and saltiness complemented the sweet, cold cocktails perfectly.
Hairy Hungarian Hogs called Mangalitsa
Joo also serves Mangalitsa (a breed of hairy Hungarian hog) pork belly, which was very rich and flavourful compared to our local pork belly. Order Joo's slow-roasted ($32) pork belly served with onions, garlic and Dijon mustard with a side of spring onion salad, or the boiled ($28) version with a side of spicy radish salad and yuzu kimchi. They come in finger-friendly pre-sliced, small portions.
Spam delicacy?
Finally, the Warm Kimchi with Tofu and Spam ($16) defied expectations. In the past, US soldiers brought "Spam" (a type of canned meat) into Korean culture, and it wasn't meant to be a gourmet experience. However, the way Joo interleaved the Spam with equal-sized tofu slices made it surprisingly delicate and tasty. Just to be clear, Spam is, of course, not in the same league as Wagyu in terms of pleasure of taste. But Joo's Spam dish exceeded my expectations of this humble canned meat. Kudos to Joo.
Joo Bar, 5 Tan Quee Lan Street, Singapore 188094, Tel: (65) 8138 1628 By Frank Young
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My heart goes out to everyone affected by this tragedy. I watch the news and know that grief can be overwhelming, that it all seems senseless and once more we are being reminded that lives can change in an instant.
It is at times like this that writers are needed most even as we are likely to wonder if our writing matters at all. But it does. We writers can give voice to grief, words to pain and comfort through what we write.
Some writing will explore the question everyone is asking: Why? There are writers who through their words explore how someone can be in so much pain that they will lash out as this shooter did.
Other writers offer hope through stories of how people can rise above tragedies like this one. Some will write of heroes and others simply of every day people doing the best they can.
Some writers will create the shared experience of grief so that no one has to be alone in what they feel.
Some writers will simply offer comfort and distraction at a time when emotions might otherwise be overwhelming.
I've heard it said over the past few days that a sense of community matters and I absolutely agree. Writers help to create that sense of community. Writers so often help to show how people who seem different are almost always more like us than not, that hopes and dreams and fears can be universal.
Writing matters, perhaps most of all at times like this. What we write has the ability to touch hearts and minds. What we write may help make sense of what otherwise would seem overwhelming. What we write may provide both hope and a kind of road map for the ways that people can overcome or at the very least survive the challenges in their lives.
What we write matters and each of us has a unique voice with which to do so. That voice will resonate with those who most need to read what we have to say.
If you are a writer, note your own reactions, your own emotions. Pay attention to how you handle those and how others handle theirs. Even if you do not do so now, the time may come when this knowledge will inform your writing and help you to add depth to what you write and make it more compelling and in doing so what you write may help someone in the moment they need it most.
Writing matters.


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Xmas shopping for 2014 is almost over, just a couple of things left. Today has been absolute chaos at the shops and it will only get worse, I do feel sorry for some of those working in retail. Brian is now wrapping presents. Caitlin will be very happy as we managed to get the last One Direction single bed quilt and pillow case north of Adelaide.
This afternoon we looked at a house to buy in Davoren Park, it looked very promising on the internet and we have lived in Davoren Park before. We arrived to a packed house and inside the house was just as we saw it on the internet, the outside was another matter. On the internet there was a lovely lush green lawn out the back but when we got there not a hint of green, not a single blade of grass, in fact it was all pock-marked with gravel. It was painfully obvious that Ray White had photo shopped the lawn, how completely dishonest, and you should have seen the look on the agent's face when I confronted him. I will think twice about dealing with Ray White in the future if that is the sort of dishonesty they practise.
We had a quick stop at Hungry Jack's Munno Para for a bite to eat, at least it was meant to be a quick stop. It took 25 minutes for them to even take our order and another 10 minutes to get our meals.
Next stop the nursing home to see Mum, we need not have bothered as she was in a deep sleep. I shook her, I talked to her, I even raised my voice a tad, no response so I wrote in the visitor's book and we left.
Later in the afternoon I had a much-needed Papa nap. Tomorrow is a busy one, Xmas lunch with work and Jade's birthday party in the afternoon, no Papa nap tomorrow.


text: Having braces can be a daunting experience but seeing the end result of a beaming smile makes it worth every minute. Meet Amy, she recently had her braces removed at The River Practice Specialist Centre and she couldn't have been more thrilled with her experience here. Amy was in for a treatment because she had […]Continue Reading... Comments Off on Braces off? No problem!


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DJ hygiene from A-Z with the Reloop Professional DJ Cleaning Set MK2. Everything you need for professional vinyl cleaning is stored in a soft case. Better sound and a longer life for your vinyl is guaranteed.
Additional Information
|Delivery content
|1x Reloop Carbon Plate Brush Gold
1x Reloop Anti-static cleaning cloth
1x Reloop vinyl cleaning solution 20 ml
1x Reloop needle cleaning solution 20 ml
|Delivery Time
|1-2 days, outside Germany 2-8 days


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The Seven Reasons Tourists Love New 2010 Hair Colors | new 2010 hair colors
Anne Hathaway's never abashed to change up her attending for a cine role.
Image Source: pinimg.com
The Academy Award-winning actress, 36, appears to accept absolute her beard a bold, abysmal red hue, which seems to be for reshoots for her role in the accessible film, The Last Thing He Capital in Puerto Rico, which she's been alive on aback this summer.
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Photographers airtight Hathaway acid a blush covering with a fur stole, gold shimmery blouse and a pleated midi brim as she smiled walking through the streets of N.Y.C. as she appeared to be shooting.
Hathaway was spotted antic her accustomed bistered blush at the Hollywood Blur Awards beforehand this month.
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If the actress' blush change is the absolute deal, this wouldn't be the aboriginal time Hathaway's fabricated a big beard switch-up for a cine role. When the brilliant portrayed Fantine in 2012's award-winning Les Miserables, Hathaway absolutely baldheaded all her beard off — which she accepted wasn't easy.
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RELATED PHOTOS: The 20 Best Gifts for the Beauty-Obsessed Bodies on Your List
"I wasn't assured it to be such a big deal, because it was my idea," she said on Live! with Kelly at the time. "It was article I've capital to do for a continued time, and I knew it was article the appearance did, so I aloof offered it to the administrator and he said 'Yes.' As it got closer, I thought: I can't absolutely booty it aback now."
Though she did mentally prepare, the day of the cut was tough. "I've now done back-flips out of windows, I've jumped off buildings," Hathaway added. "And acid my beard bargain me to, like, brainy patient-level crying. I was inconsolable."
Hathaway's additionally opened up about accepting weight for cine roles, and clapped aback at critics beforehand this year who abashed again brilliant for her curvier figure.
"I am accepting weight for a cine role and it is activity well," Hathaway captioned her post, which included a video of her workout. "To all the bodies who are activity to fat abashment me in the accessible months, it's not me, it's you. Peace xx."
She additionally explained her accommodation to advertise the account on amusing media during an account with Hoda Kotb on Today.
"It sounds affectionate of sad to say; I aloof capital to adore my summer and let anybody apperceive that I'm active in my anatomy and I'm blessed with my body, and if my anatomy is altered than what you're acclimated to, or what you anticipate it should be, that's [your experience]," Hathaway said. "My acquaintance is mine, and I'm admiring it."
The Seven Reasons Tourists Love New 2010 Hair Colors | new 2010 hair colors – new 2010 hair colors
| Encouraged for you to my website, in this particular occasion I will provide you with about keyword. And today, this can be a first impression:


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antonio.amanda needed a new banner ad design and created a contest on 99designs.
A winner was selected from 22 designs submitted by 5 freelance designers.
The Adventure Junkies
Adventure travel resource for active travelers interested in outdoor experiences around the world.
We would need a banner in 2 different sizes (1,200x440px and 500x750px) to display it within the articles of our website (i.e. https://www.theadventurejunkies.com…backpack/)
The text of the banner should be:
Don't Forget Any Important Gear At Home
Get Your Packing List (in a button)
The banner should contain an image of the checklist. Please see attached the file.
UPDATE: The banner will be displayed on white background, so please avoid white-background banners.


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Bradley University Release Softball Schedule
Published on January 5 2018 6:45 am
Last Updated on January 5 2018 6:45 am
Written by Millie Lange
PEORIA -- Bradley softball will have its most home games since 2009 with 22 contests at the Louisville Slugger Sports Complex, highlighted by the season-opening Petersen Hotels Invitational which will include 2017 Women's College World Series participant Washington.
The Braves will play over one-third of its non-conference schedule against teams which advanced to the post season last year and eight of the 22 home contests are against squads coming off post-season appearances last spring.
Teutopolis High School graduate Allison Apke, is a sophomore on the squad.
"We are excited for the upcoming season after a very strong fall," said 10th-year Bradley Softball head coach Amy Hayes. "The Louisville Slugger Sports Complex gives us a unique opportunity to open the season at home and we look forward to hosting a strong field for the Petersen Hotels Invite to start the year. The schedule has a good mix of teams to get us ready for Missouri Valley Conference play."
The Petersen Hotels Invitational kicks off the 2018 slate Feb. 8-11, with Bradley hosting an in-season tournament for the first time since the 2009 campaign. The tournament features Pac-12 power Washington, which posted a 50-14 record last year and a WCWS appearance, along with Saint Louis, Miami (Ohio) and Western Illinois. The Braves will open the season Thursday, Feb. 8 against Saint Louis. The first of two games against 2009 NCAA National Champion and two-time national runner-up Washington will be Friday, Feb. 9 and Bradley wraps up the second day of the tournament against Miami (Ohio). After a day off, the Braves have a rematch with Washington on Sunday, Feb. 11 and conclude the tournament that afternoon against Western Illinois.
"A strong senior class, led by four-year starters Maria Schroeder and Elizabeth Leonard, along with some of younger hitters like Katie Habryle and Kealia Wysocki will be keys in our lineup," added Hayes. "Rachel Huggins has done a great job with our hitters and the addition of Jackie Bishop to our coaching staff has paid big dividends with the development of the pitching staff during the fall."
Bradley will head to Las Vegas, Nev., for the Marucci Desert Classic Feb. 16-18, where the Braves will play four of five games against teams from the Mountain West Conference. BU's first trip to Las Vegas since 2011 includes contests against 2017 NCAA Tournament participant San Jose State, along with matchups against both Nevada and Utah State which both advanced to the inaugural NISC to cap the 2017 season. Bradley will also play single games against Cal State Northridge and tournament-host UNLV.
Three NCAA Tournament teams are on the slate for Bradley's trip to Orlando, Fla. (Feb. 23-25) for the Citrus Classic. The Braves open tournament action Feb. 23 against NCAA participant South Carolina and also face Purdue on the opening day. Defending Big Ten Champion Minnesota (56-5) and Kentucky, which both reached the 2017 NCAA Tournament, are on the schedule for Feb. 24 and the tournament wraps up against a South Alabama team which finished 35-20 last year. Kentucky advanced to the NCAA Super Regionals last year.
The Blues City Classic in Memphis, Tenn., is March 2-4 with a matchup against 2017 NISC participant Louisiana-Monroe highlighting the trip. Bradley will also face Memphis and IPFW in addition to playing two games against UMKC.
The Braves return to Peoria to host Illinois Wednesday, March 7 at the Louisville Slugger Sports Complex. The Illini are coming off a 39-20 season capped by an NCAA Tournament appearance.
The final weekend of non-conference play will mark Bradley's first trip to Louisville, Ky., since 2009 with the Braves joining Eastern Michigan, UMASS and tournament-host Louisville in the Louisville Classic March 9-11. Bradley will play two games against both Eastern Michigan and Louisville along with a single contest against UMASS.
The second of four midweek non-conference games falls on March 14, with Bradley heading to Nashville, Tenn., for a game at Lipscomb (36-20 in 2017) before the Braves open Missouri Valley Conference play March 17-18 at home against defending MVC regular-season champion Northern Iowa.
A seven-game home stand continues March 21 with a midweek contest against Western Illinois and concludes March 24 & 25 with a weekend home series against Loyola.
After weekend road series at Drake (March 30 & 31) and at Indiana State (April 7 & 8), Bradley returns to the Louisville Slugger Sports Complex for the final non-conference game of the year. The Braves will host SIU Edwardsville, which posted a 41-13 record last spring, Wednesday, April 11.
Bradley travels to Missouri State for a weekend series April 14 & 15, before returning home for a five-game home stand which starts Wednesday, April 18 with a doubleheader against I-74 rival Illinois State. The Braves host 2017 MVC Tournament champion Southern Illinois April 21 & 22.
A mid-week game at Illinois State April 24 concludes the season series with the Redbirds and Bradley will play its final road series of the year at MVC newcomer Valparaiso April 28 & 29.
The Braves finish out the 2018 regular-season schedule at home, hosting Evansville May 5 & 6 at the Louisville Slugger Sports Complex. Bradley's 22 home games are the most regular-season home contests since playing 25 regular-season home games in 2007.
The 2018 Missouri Valley Conference Championship will be held May 10-12 in Des Moines, Iowa.


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Today's Top Ten Tuesday theme is TOP TEN MOST VIVID WORLDS. As usual, mine has a middle grade spin. Here are some of my favorite and most unforgettable settings--worlds that made such an impression on my mind that I feel as though I've been there. Although I've only listed the first book, many of these have sequels or are part of a larger series, so lucky readers can immerse themselves in these worlds again and again.
|J. R. R. Tolkien
The Hobbit
|J. K. Rowling
Harry Potter
|R. L. LaFevers
Theodosia and the Serpents of Chaos
Edwardian London
|C. S. Lewis
The Lion, the Witch, and the Wardrobe
|A. A. Milne
The Hundred-Acre Wood
|Roald Dahl
Charlie and the Chocolate Factory
Willie Wonka's Factory
|Anne McCaffrey
|L. Frank Baum
The Wonderful Wizard of Oz
|Nancy Farmer
The Sea of Trolls
The lands of the Vikings
|Angie Sage
The world of Septimus Heap
And I'm adding an extra. I'm only halfway through the first book in the series, but the world of Luxa and Henry has already come alive in my imagination.
|Suzanne Collins
Gregor the Overlander
The Underland
What literary worlds do you find most vivid and memorable?


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Spectacular Beachside Villa in Valencia City
5 bedrooms | Mansion | City | Valencia City
Property: 320 m²
Price: € 1,300,000 Euros.
Spectacular house in a stunning location right next to the Malvarrosa beach in Valencia. There are very few of these houses right by the beach in Valencia and when one appears it has a premium price due to the premium location.
This five bedroomed house with pool is a modernist designer's dream home, all clean lines, fantastic design and light throughout. The five bedrooms are complemented by six bathrooms, a large living room leading out to a chill out terrace with pool and deck and plenty of areas for relaxing and enjoying the enviable climate and sea breezes of Valencia. Sea views, relaxed and well communicated, this house invites you to get all of your friends round and enjoy it.


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Saint Leo Abbey, Saint Leo College, and Holy Name Convent are Catholic institutions founded in 1889 on some of the most beautiful land in Florida. They are located in one of the few places in Florida with low rolling hills. This year on Saturday, June 13, 2009, the abbey will celebrate its 120th anniversary. If you live in Florida, a good historical event to attend.
Saint Leo Abbey is part of American-Cassinese Congregation — a group of Benedictine abbeys founded from Metten, Bavaria (Germany). The Benedictines are monks who follow the Rule of St. Benedict written about 530 AD by St. Benedict as the Roman Empire was disintegrating.
Saint Leo Abbey's Church is the Church of the Holy Cross which took 12 years to complete (1936 to 1948).
The church is in the massive, rounded-arch style known as Lombardic-Romanesque — a style that developed in the Lombardy region of Northern Italy about 850 AD.
Lombardic-Romanesque style is sometimes called First Romanesque because of its place in the development of the later Romanesque style appearing in the 1100s AD which in turn evolved into the well-known Gothic style — pointed arches, ribbed vault, and the flying buttress. Gothic style gives a feel of height and light.
The Church's interior has been painted for the first time, but the color scheme used existing colors from the Church. The effect is to enhance all architectural features and tie all elements together.
The Church of Holy Cross's Lombardic-Romanesque style conveys stability, peace, stillness, and quiet — just what I want when going on a spiritual retreat for the weekend or just a few hours to pray the divine office with the Benedictine monks.
Tuesday, May 5, 2009
New Church Interior, Same Romanesque Style. A Benedictine oblate blog. Part 2 of 3
Posted by John at 2:02 PM
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text: How To Care For Ceramic Flooring 28 December 2014 Commonly found in kitchens and bathrooms, ceramic tiles are both durable and attractive. When they're properly cared for and cleaned, they can add to the overall appearance of your home and last for years. If you've just had a company like Plaza Ontario Marble & Tile Inc install ceramic tile in your home, allow the grout to thoroughly dry for at least 72 hours before performing any maintenance on the flooring.


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The subjects that PSHE addresses make headlines every day. Teaching the subject is a great opportunity for teachers to make a real difference to young people's lives.
PSHE education in the context of the new national framework for the curriculum which places great emphasis on developing round individuals equipped with skills and passion for learning.
PSHE Deals with the issues of:
- Drugs and Alcohol Awareness
- Sex and Relationships (view the RSE and Health Education policy here)
- Bullying
- Jobseeking
- Personal Budgeting and Money Management
- Family Relationships
- Understanding Young People Law and Order
- Emotional Wellbeing
- Domestic Violence
- Preparing for Interviews
To view the latest PSHE policy click here


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STANDISH, Maine – The ABCA/Rawlings and New England Intercollegiate Baseball Association (NEIBA) regional awards have been released and a trio of Saint Joseph's College seniors have been honored.
Senior shortstop Joey Murphy (Derry, N.H.) has claimed a pair of First Team All-Region accolades while senior outfielder Jared Gagne (Dover, N.H.) and senior catcher Greg Emanuelson (Hudson, N.H.) have earned Third Team All-Region accolades.
Murphy, who last week garnered D3Baseball.com First Team All-New England acclaim, completes the trifecta of regional honors after hitting .427 (70-164) with 50 runs, 11 doubles, three triples, one home run, 24 RBI, and a program-record 37 stolen bases this spring. The 2019 Great Northeast Athletic Conference (GNAC) Player of the Year posted a .478 OBP with a .549 slugging percentage, registered 23 multiple-hit games, and ended his senior campaign riding a 17-game hitting streak. Murphy was held hitless in just four of the Monks' 44 games in 2019.
Gagne collects ABCA/Rawlings and NEIBA Third Team All-New England honors for the second-consecutive season after batting .387 (60-155) with 48 runs, 11 doubles, six triples, one home run, 33 RBI, and 35 stolen bases during his senior campaign. The team tri-captain boasted a .555 slugging percentage with a .438 OBP and logged 18 multiple-hit games while starting all 45 of the Monks' games this spring.
Emanuelson earns a pair of All-New England nods after registering a breakout senior season, during which he hit .346 (53-153) with 35 runs, 10 doubles, three triples, seven home runs, 51 RBI, and eight stolen bases. The senior backstop led the team in slugging percentage (.588, the ninth-best mark in team history) and posted a .406 OBP while recording 14 multiple-hit games and 12 multi-RBI performances in 2019.
In 152 career games Murphy hit .363 (192-529) with 138 runs, 27 doubles, five triples, three home runs, 80 RBI, and 74 stolen bases. The senior standout broke the Monks' career stolen bases record this spring and currently ranks seventh in team history in runs, eighth in hits, and 10th in batting average. Murphy is one of just four players in program history to notch 70 hits and 50 runs in the same season.
Gagne appeared in 148 career games, including 111 starts, and hit .366 (138-377) with 112 runs, 23 doubles, 11 triples, two home runs, 71 RBI, and 70 stolen bases over four seasons. He leaves the program ranked second in Monks baseball history in steals and ninth in batting average.
In 122 career contests – including 84 starts – Emanuelson batted .321 (98-305) with 57 runs, 20 doubles, six triples, 12 home runs, 91 RBI, and 10 steals. He capped his career with a respectable .544 slugging percentage, a mark that falls just outside the top 15 in team history.
NEIBA and ABCA honored 50 players from 31 different schools, highlighted by the selections of UMass Boston senior Nick Herzog as the player of the year, and University of Southern Maine junior Ben Lambert as the pitcher of the year. Additionally, Southern Maine skipper Ed Flaherty was tabbed as the NEIBA Division III Coach of the Year.
Under the watch of 27th-year Head Coach Will Sanborn '86 this season, Saint Joseph's posted a 33-12 overall record – including a 13-3 mark in GNAC play – en route to earning the #2 seed in the conference tournament. The Monks advanced to the GNAC Championship game with wins over Johnson & Wales and Suffolk and – after the Wildcats forced an if-necessary contest – received a walk-off RBI double off the bat of senior catcher Greg Emanuelson (Hudson, N.H.) in the bottom of the 11th to claim their first conference title since 2014.
With the GNAC Championship Saint Joseph's earned an automatic berth into the NCAA DIII Tournament for the ninth time since 2006. The Monks opened with a loss to Wheaton College, stayed alive with a lopsided victory over Baruch College, and saw their season come to a close with a 7-3 loss at the hands of the Lyons.


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President & CEO: Gerald Bouwers
AM Best Rating: Not Rated
Assets: n/a
Net Income: n/a
Net Premiums Written: n/a
Financial Size Category: n/a
FSR Outlook: n/a
Best's Issuer Credit Rating: not rated
ICR Outlook: n/a
As of Date: n/a
Organization Type: Stock
Specialty Lines of Business: n/a
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Industrial Alliance Pacific Life
2165 Broadway West
P.O. Box 5900
Vancouver, British Columbia
Toll Free: N/A
Phone: (604) 734-1667
Fax: (604) 734-8221
Web Address: www.iaplife.com
Email Address: [email protected]
* Info courtesy of AM Best Key Ratings Guide 2013
Industrial Alliance Pacific Life, similar to other Canadian life insurance companies, offers numerous products targeting clients with various insurance needs.
Though LSM Insurance is not directly affiliated to this insurer, our experienced life insurance brokers have access to products and quotes of over 20 Canadian insurers similar to the ones provided by Industrial Alliance Pacific Life such as term life insurance quote, whole life insurance quote, universal life insurance quote, disability insurance quote, critical illness insurance quote, no medical life insurance quote, long-term care insurance quote, group benefits and others.
Industrial-Alliance Pacific Life Insurance Company (previously North West Life) is owned by Industrial Alliance Insurance and Financial Services Inc., and is an insurance company operating in Canada and western U.S..
The company has three main branches, each with their own products; the Personal Financial Services Division, the Special Markets Group and the SAL Group.
The Personal Financial Services has various insurance and investment products for individuals, the Special Markets Group provides various insurance schemes for groups, organizations and students, while the SAL group offers insurance and protection methods for all kind of vehicles. The company also has a branch in the U.S. which provides various life insurance and 403(b) planning products.
The Special Markets Group, as the name implies, specializes in meeting the unique requirements and needs of people and organizations who are usually ignored by other insurance companies. These include students, firefighters, volunteer associations, employees of different financial organizations and those who work under special, sometimes dangerous, circumstances.
The Special Markets Group have different products to cover the insured members in case of a critical illness, accidental death or hospitalization. Also, Canadian workers employed outside their province or the country, and foreigners who are not eligible for state or provincial health care can be insured through Industrial Alliance.
The U.S. branch of the company has various insurance and investment products for individuals and families living in various states.


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Recently, I shared the post 7 Most Frustrating Things Pastors Experience. I promised then that a post was due on the most exciting things a pastor experiences. There are many. Pastors get to see the best and worst of life it seems, but there are many positives.
Obviously, seeing someone become a follower of Christ, or the baptism of a believer, has to rank as a highlight of the pastor's experience. That's what we are called to do.
But, that experience isn't unique to pastors. Every believer, hopefully, gets excited about seeing people's entry into faith. That's the call of the church; not only pastors.
So, my list goes beyond those experiences to things that may be somewhat unique to pastors. I'm not saying only pastors get excited about these experiences, but to pastors, these are especially exciting. Also, different pastors will have different answers. That's where the comments section makes this post even better.
Here are seven of the most exciting things pastors experience:
1. A child who loves church.
They are our future. And we know it. Jesus loves the little children. And so do we. I love when a little child leads "them" to church. When a child loves church, I know the parent is sure to be excited also.
2. Note takers.
Seeing someone following a message closely. Hearing pages of the Bible turn. Priceless. Seeing people actually live the truths taught … don't even get me started.
3. Sacrificial givers.
The church is built on people willing to invest in her work. The generous giver … who gives with no strings attached … way to make a pastor smile. Maybe even dance.


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Speedo - LZR Pure Valor Kneeskin Openback FINA Approved - Phoenix (Pink)
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Shipping & Returns
Returns Policy
You may return most new, unopened items within 30 days of delivery for a full refund. We'll also pay the return shipping costs if the return is a result of our error (you received an incorrect or defective item, etc.).
You should expect to receive your refund within four weeks of giving your package to the return shipper, however, in many cases you will receive a refund more quickly. This time period includes the transit time for us to receive your return from the shipper (5 to 10 business days), the time it takes us to process your return once we receive it (3 to 5 business days), and the time it takes your bank to process our refund request (5 to 10 business days).
If you need to return an item, simply login to your account, view the order using the "Complete Orders" link under the My Account menu and click the Return Item(s) button. We'll notify you via e-mail of your refund once we've received and processed the returned item.
We can ship to virtually any address in the world. Note that there are restrictions on some products, and some products cannot be shipped to international destinations.
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Last weekend Shane, the kids and I went to Disneyland. Although we have taken them several times, I think this was probably their best trip. They are at the age and height that they can pretty much ride everything... and We DID! I can't even begin to count how many times I heard "That was AWESOME" throughout the day! =) We had a lot of fun and can't wait to go back. The kids are having a hard time deciding which ride they liked the best... Trevin says he liked Space Mountain because as soon as it started it was so fast his cheeks were pulled back. They both liked star tours, the Darth Vader show, Hollywood Tower of Terror Hotel and they loved the one where y
you are flying and you see all the different weathers ( Soaring over California ).=)
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Before 1999, the regulation and supervision of the banking system1 in Turkey had a fragmented structure in which the Undersecretariat of Treasury and the Central Bank of the Republic of Turkey were the main actors. Crises in the banking sector taught the necessity of effectiveness of regulation, supervision and the importance of independent decision-making mechanisms. By June 1999, the Banking Regulation and Supervision Agency (BRSA) was established according to the Banks Act Nr. 4389 and it began to operate in August 2000.
Similarly, the IT audit unit of BRSA is a byproduct of a massive IT-based financial fraud at Imar Bank.2, 3 Responsibilities of this unit are onsite audit; authorization4 and enforcement activities regarding external audit institutions (EAI); enforcement activities regarding IT functions of banks; follow-up findings in the audit reports on information technology and business processes (ARITBP) prepared by EAI; drafting of legislation regarding the management, governance and audit of IT.
As the policy maker of the banking sector in Turkey, BRSA is responsible for designing the most suitable legislative environment for IT governance in banking. Therefore, BRSA has to keep up with new developments in IT governance frameworks. Since governance has been changed drastically with the release of COBIT 5, compared to previous versions, a review of domestic banking legislation is needed. There are numerous similarities between the BRSA-created banking regulations in Turkey and the processes of the COBIT 5 governance area, including the adoption of many improvements over COBIT 4.1. The BRSA IT audit concept consists of domestic regulations and incorporates the "current version of COBIT." Domestic regulations (figure 1) about governance of enterprise IT (GEIT), risk optimization, resource optimization, transparency, benefits delivery and additional legislation designed specifically for Turkey are described here. The results of this study are expected to be beneficial for decision makers in government bodies, banking industry, independent auditors and related stakeholders.
"Communiqué on the Principles to Be Considered in Information Systems Governance and Management in Banks (CPISGMB)," issued by BRSA, clearly states that GEIT is a part of corporate governance and the strategy of IT must be aligned with the bank's strategies and objectives to carry out its operations in a stable, competitive and improving line.5 The structure of IT to be established within the bank must be commensurate with the scale of the bank and with the nature and complexity of the offered products and services.6 In addition, the first principle of the Corporate Governance Regulation of Banks (CGRB)7 states that corporate values and strategic goals shall be established within the bank taking GEIT principles into account.
To operate banks' GEIT effectively and achieve their mission, BRSA has regulated the organizational structure—internal systems. Establishment of internal systems is intended to ensure the monitoring and controlling of risk to which banks are exposed, in all channels and partnerships subjected to consolidation. Internal systems consist of internal audit, internal control and risk management, and those units are established under the board of directors (BoD) within the institutional structure of the bank.8 For instance, the purpose of the internal audit system is to provide assurance to senior management (SM) that the activities of the bank are conducted in accordance with the law and other applicable legislation, the internal strategies, policies, principles, and targets of the bank and that the internal control and risk management systems are effective and adequate and provide communication of GEIT principles to top-level management9 (TLM).
The internal audit identifies any deficiencies, errors and abuses; prevents them from occurring again; secures the effective and efficient use of bank resources for resource optimization; and ensures the accuracy and reliability of information and reports communicated to the BRSA, SM and the public. The IT auditors are also included in the internal audit team and must have a minimum level of knowledge proven by education and certificates of related training areas. Also, a sufficient number of internal audit staff must be employed to fulfill audit services without delay. Risk management, internal control and internal audit mechanisms ensure effectiveness and performance of GEIT.
BRSA's regulation logic is evaluate first, then direct, and finally monitor and intervene. This logic is imbued in all legislation. The responsibilities and accountabilities of the BoD, audit committee, SM, TLM and others are regulated clearly.
The BoD of the bank has the power and responsibility to determine the strategies of a bank and responsibilities of units; establish the internal systems in accordance with the procedures and principles specified in the ISB; operate them in an effective, adequate and suitable manner; ensure proficiency of internal systems' staff; have knowledge on all risk factors of the bank and methods of measuring risk; approve and supervise the risk policies concerning risk appetite, monitoring, management and reporting; approve the information security policy of the bank; and secure the information provided from the accounting and financial reporting system. Additionally, the audit committee10 (AC), consisting of elected BoD members, supervises the internal audit function; establishes the channels of direct communication for reporting of irregularities to audit units; evaluates proposals of TLM concerning the internal systems; ensures and monitors the independence and performance of internal and external auditors; informs the BoD regarding AC's responsibilities; and evaluates the availability of the necessary methods, tools and implementation procedures for identifying, measuring, monitoring and controlling the risk carried by a bank. The bank's SM carries out efficient surveillance to manage the risk derived from the usage of information systems (IS) and establishes mechanisms to periodically evaluate threats, review and monitor IS policies that include appropriate approval steps, and increase awareness relating to information security. As stated in the ISB, the duties and responsibilities of TLM11 are to coordinate and monitor the bank personnel employed in departments (ISB- 8/1), make timely and reliable reporting to the BoD about risk,12 and review and approve risk areas of projects on usage of new IS elements that will have important impacts.13
The EAI is another key player in the Turkish banking sector. Therefore, BRSA directly deals with all details (e.g., adequate resources, qualifications, titles of members in an audit team) and regulates IT external audit activities based on the "Regulation on Bank Information Systems and Banking Processes Audit to Be Performed by External Audit Institutions" (RIBPEA) to ensure that IT-related processes are overseen effectively, are analyzed, and identify the internal and external environmental factors and compliance with regulations. According to the RIBPEA, the BoD of a bank must sign the audit contract of banking processes and IS. The auditor determines the audit scope of processes, systems, operations and control14 mechanisms based on a risk-oriented manner and considering the materiality criteria. Also, the auditor provides sufficient audit evidence to provide assurance. ARITBP, prepared and digitally signed by the EAI, are sent to the IT audit department of BRSA. If the BRSA's IT audit department considers the content of the audit to be inadequate or not created properly, the BRSA can intervene and enforce the EAI to improve the audit content.
The audit of banking processes is performed every year; the audit of IS processes is completed every two years, per COBIT. If necessary, BRSA can change the frequency or scope of the audits for one bank or more. While evaluating the findings, if a notable or important lack of control exists, the auditor would check the unit or function for compliance. The auditors also inform TLM in writing or orally on any subject they deem important during the bank IS and banking processes audits.
If BRSA identifies that there are significant issues affecting banking processes/systems, the bank's assets, activities carried out in accordance with internal policies and regulations, general banking practices, reliability and integrity of accounting and financial reporting, and timely availability of information, the EAI can be removed from the list of competent audit institutions. All of these are regulated by the provisions of articles 12, 20, 22, 25, 32, 36 and 40 of the RIBPEA to ensure that IT-related processes are overseen effectively and transparently to confirm the compliance of legal, regulatory and governance requirements.
As already mentioned, risk management is the main part of internal systems that guides GEIT by clear responsibilities given to the BoD, AC and TLM. According to article 5/1 of CPISGMB, "the bank takes necessary measures in order to measure, monitor, control and report the risks derived from IT usage in banking activities." Article 5/2 of CPISGMB continues, "As well as the risk derived from IT are considered within the scope of operational risk, due to the possibility that these risks may be a multiplier of other risks derived from banking activities, an integrated risk management approach shall be adopted for all banking activities."
Operational risk determines the amount of regulatory capital that banks must allocate. Therefore, operational risk is the digitization of IT and is important for enterprise governance. Since IT is an essential part of banks, interruption of services or the occurrence of IT risk puts banks in a difficult situation. According to the risk profile, operational structure and corporate management culture of the bank, it is essential that the bank develop risk management processes and evaluate the risk derived from IT accordingly. Therefore, risk tolerance related to the use of IT is understood, communicated and managed by determining the level of IT-related risk: The ratio of using IT support services increased in banking activities; business continuity of the bank and safety of data recorded, transmitted and processed became fully dependent on IT; and IT errors are different from familiar frauds. Basic responsibilities of the risk management department are to determine the risk management policies and procedures on the basis of the risk management strategies; ensure regular and timely reporting about risk measurement and monitoring results to the BoD and SM or relevant internal systems officer; and ensure that the risk factors, including IT-related risk, are understood, sufficiently evaluated and communicated with regard to the bank's risk tolerance.15 The bank must also implement mechanisms to provide early warning information concerning unexpected events related to IS. Appropriate communication channels must be established from bank staff to management, internal control and internal audit to minimize risk, identify it early and communicate risk tolerance.16 To manage IT-related risk, business continuity tests, including tests of all channels in a bank and support service organizations, if needed, must be completed once a year. Test results are reported to TLM. Based on the results, plans can be changed, including metrics of risk governance and management processes, principles of escalation, and technical details.17
BRSA is concerned with the proper functioning of the banking sector and recognizes that a key element for this is transparency. According to principle seven of CGRB, transparency must be ensured in corporate governance. Transparency in financial audit reports is 100 percent, while IT audit reports are transparent only to key stakeholders because of the nature of IT. If, for example, the findings of an IT penetration test18 were to be published, the bank's systems could be easily hacked. In the same way, penalties regarding domestic banking regulations charged by BRSA are not published because of reputational risk. In brief, the defined key stakeholders, e.g., EAIs, can have all the information about IT costs, risk and benefits. Additionally, transparency is meaningful if it is understood correctly. Therefore, BRSA regulations require the auditor to give detailed information about criteria, status, links to specific articles of the regulation, business risk from the findings as far as required by audit objectives and opinions of the auditee outcome assessment in ARITBP.19
Banks establish policies, procedures and processes relating to the governance and management of IS. These are reviewed and renewed regularly to ensure that they are in line with technological developments or changes in the area of related business, and to optimize value contribution to the business.20 They also supply optimal value, adequate budget and resources, which shall be allocated according to article 4/1 of CPISGMB.
The banking sector is directly dependent on IT for even basic banking activities and business continuity. However, IT investments in banks must be at acceptable costs and must secure optimal value. For instance, the IS must be enabled to identify deviations from annual budgets and targets.21
Rather than imposing COBIT as the single set of rules governing IT processes in the banking sector, BRSA utilizes COBIT as a complementary source.22 That is, although COBIT is a comprehensive framework, relevant additional country-specific or risk-dependent legislation has been included by BRSA to be implemented by banks. For instance, to ensure ATM security, camera systems have become compulsory for each ATM.23 Another example is that banking business processes are to be overseen every year for six years24 to ensure that their concept is in parallel with COBIT DSS06 Manage business controls.
The Regulation on Management Assertion25 ensures that the BoD evaluates the effectiveness, adequacy and compliance of internal controls on IS and banking processes.26 Another responsibility of the BoD is approving and signing action plans27 that are used to follow up on the findings in ARITBP. If the solution or end date of findings changes, the BoD must approve the plan again. With this, the BoD must understand risk and follow up on IT findings. Additionally, CPISGMB mandates that the relevant risk implied by each of the IT audit findings be mapped into business risk28 and by independent auditors, so that the inherent risk can be easily perceived by TLM, most of whom do not have technology backgrounds. BRSA organizes frequent meetings with relevant stakeholders to discuss topics related to banking IT fraud cases and legislations and take complaints and other comments into consideration in preparing regulations. With the help of these meetings, BRSA acts proactively, rather than offering decisions in a reactive manner after realization of an undesired outcome.
If required, relevant IT and banking processes audit findings can be shared with other public authorities such as the Capital Markets Board and the Central Bank of the Republic of Turkey. These authorities may be informed so that they act properly in case legislation requires them to take actions. BRSA aims to provide communication and reporting mechanisms for oversight and decision making with appropriate information for all stakeholders playing a role in the banking sector.
BRSA is the responsible governmental organization for designing the most suitable legislative environment for IT governance in the banking sector of Turkey. Thus, a comparison of the COBIT 5 governance area with domestic BRSA legislation was completed.
In general terms, BRSA regulations had been in force before COBIT 5 was issued, and the processes newly introduced by COBIT 5 are largely covered by BRSA regulations. The study results show that there are numerous similarities as well as certain differences between the two. The differences may be attributed to two reasons: First, unlike COBIT, the BRSA legislations have been specifically designed for the banking sector. Second, domestic requirements are being considered in the design of the legislative framework for the Turkish banking sector in a continuous manner.
The authors would like to thank Ahmet Turkay Varli, head of the IT department at BRSA at the time of this writing, for his invaluable support.
1 The Turkish banking system is composed of 49 banks, three of which are public commercial banks and four of which are participation banks. Total assets are approximately US $820 billion. In total, there are about 11,691 branches in Turkey. There are 41 independent IT auditing organizations licensed by BRSA to perform audits in banks, but only six of these are licensed to perform IT audits.2 Aktan, B.; O. Masood; S. Yilmaz; "Financial Shenanigans and the Failure of Ethics in Banking: A Review and Synthesis of an Unprecedented Fraud," Banks and Bank Systems, vol. 4, iss. 1, 20093 Fort, J.; P. Hayward; "The Supervisory Implications of the Failure of Imar Bank," Commission of Inquiry into the Supervisory Implications of the Failure of the Imar Bank4 Authorization refers to licensing activities.5 Banking Regulation and Supervision Agency (BRSA), "Communiqué on the Principles to Be Considered in Information Systems Governance and Management in Banks (CPISGMB)," Republic of Turkey, 14 September 2007, www.bddk.org.tr/WebSitesi/turkce/Mevzuat/Bankacilik_Kanununa_Iliskin_Duzenlemeler/949194913729ilkelertebligi_010610_degistirilmishali.pdf6 BRSA, Regulation on the Internal Systems of Banks (ISB), Article 11, 1 November 2006 www.bddk.org.tr/WebSitesi/turkce/Mevzuat/Bankacilik_Kanununa_Iliskin_Duzenlemeler/1678yonetmelik_16_7_2013_pdfhali.pdf7 BRSA, Corporate Governance Regulation of Banks (CGRB), 1 November 2006, www.bddk.org.tr/WebSitesi/turkce/Mevzuat/Bankacilik_Kanununa_Iliskin_Duzenlemeler/1682kurumsalyonetimyonetmeligiislenmishali.pdf8 Op cit, ISB, article 5; Banking Law No. 5411, article 8; CGRB, principle 39 The general manager and assistant general managers of a bank, the managers of the units included within the scope of the internal systems, and those managers of the nonadvisory units who serve in positions equivalent or superior to the position of assistant general manager in terms of their powers and duties even if they are employed with other titles.10 Op cit, ISB, article 611 Op cit, ISB, and CGRB principle 412 Op cit, ISB, 8/1 and 5/2/i13 Op cit, ISB- 26/5 and 26/6; CPISGMB 6/314 Op cit, RIBPEA 7/5 defines key words. "Control" represents policies, procedures, practices and organizational structures, aiming adequate assurance related to the realization of business objectives, prevention/identifying/correcting of adverse events. Similarly, "control weakness" is the case of determining the state that design or operation of a control prevents errors.15 Op cit, ISB 4016 Op cit, ISB 12/317 Op cit, ISB 13/1118 BRSA, Circular on Penetration Tests, 24 July 2012, www.bddk.org.tr/WebSitesi/turkce/Mevzuat/Bankacilik_Kanununa_Iliskin_Duzenlemeler/11076bilgi_sistemlerine_iliskin_sizma_testleri_hakkinda_genelge.pdf19 BRSA, "Communiqué on the Report Relating to Information Systems and Banking Processes Audit to Be Performed by External Audit Institutions (CIPBEA)," 13 January 200620 Op cit, CPISGMB 4/221 Op cit, ISB, article 1122 Op cit, CPISGMB 22/2 and 34/1, RIBPEA 24/223 Op cit, CPISGMB 32/1024 Op cit, CPISGMB 2125 RSA, Circular on Management Assertion, 30 July 201026 RIBPEA 19/7 and 3327 Op cit, RIBPEA 19/828 Op cit, CIBPEA 9
Fatih Altinel, CISA, has been working for seven years as an information systems auditor in the Banking Regulation and Supervision Agency (BRSA) of Turkey and has expertise in security, data protection, privacy and payment systems. Altinel can be reached at firstname.lastname@example.com.
Yeliz Kilinc is a Banking Regulation and Supervision Agency (BRSA) banking information systems auditor with five years of experience in the IT of the banking industry and three years of experience in the IT of the telecommunication industry in Turkey. Kilinc can be contacted at email@example.com.
Opinions expressed in the ISACA Journal represent the views
of the authors and advertisers. They may differ from policies
and official statements of ISACA and from opinions endorsed by
authors' employers or the editors of the Journal. The ISACA
Journal does not attest to the originality of authors' content.


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23 "Happy Hour" restaurants in San Francisco.
You'll get great comfort food and a neighborhood feel at Finn Town in the Castro.
A rooftop bar in the Mission, El Techo de Lolinda is where you should be when the sun's out.
Leo's Oyster Bar involves pricey, but tasty seafood in an '80s power yacht come to life. Obviously it's in the Financial District.
Cockscomb in Soma is not a spot for vegetarians, or picky eaters. But if you're on a carnivorous quest, you're in for an experience.
Located right on the edge of Richmond, Park Chalet serves cheap beer they brew themselves and has a great oyster Happy Hour.
Cow Marlowe is Cow Hollow spot that's great for last-minute group dinners or a late-night burger.
The upscale Mexican at Flores is a nice change of pace for Cow Hollow. You just have to do this place right.
Hit Palm House's Happy Hour in Cow Hollow for alcoholic slushies and Caribbean bar food.
Sparrow is an oasis in the Haight, with a great patio and excellent happy hour.
The Dorian is serving fancy comfort food and strong cocktails, while trying very hard to look cool.
A casual taco spot in SoMa with lots of outdoor seating, Uno Dos Tacos doesn't have amazing food, but it's perfect for your next work team outing.
Make Westing offers great cocktails and bocce ball in Uptown Oakland, and is an ideal spot to come drink before a show at the Fox Theater.
Dogpatch Saloon is a dog-friendly neighborhood bar with reasonably-priced beers and cocktails.
Mamo is a small Columbian-Venezuelan place in the Marina with a great Happy Hour to stop into after you head home from work.
Shotwell's is a bar in the Mission that's always empty enough to feel like your own secret bar.
The Pawn Shop is a "secret" tapas bar in SoMa with surprisingly good food hidden behind a fake pawn shop


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This entity appears as a translucent humanoid whose face is twisted in an evil scowl. Its eyes burn with a hellish red glow
Darnoc CR 6
LE Medium undead (incorporeal)
Init +6; Senses darkvision 60 ft.; Perception +12
Aura frightful presence (30 ft.)
AC 16, touch 12, flat-footed 14 (+2 Dex, +4 natural); In ghost form AC 14, touch 14, flat-footed 12 (+2 Dex, +2 deflection)
hp 52 (8d8+16)
Fort +4, Ref +4, Will +7
Defensive Abilities channel resistance +2, ghost form; Immune undead traits
Speed 30 ft.
Melee slam +7 (1d6+1 plus curse of the grave)
Special Attacks create spawn, symbol of discord
Str 12, Dex 14, Con –, Int 12, Wis 12, Cha 14
Base Atk +6; CMB +7; CMD 19
Feats Blind-Fight, Combat Reflexes, Improved Initiative, Persuasive
Skills Bluff +13, Diplomacy +10, Intimidate +14, Perception +12, Sense Motive +11, Stealth +12
Languages Common
Create Spawn (Su)
Any humanoid slain by a darnoc becomes a darnoc in 1d4 rounds. Spawn are under the command of the darnoc that created them and remain enslaved until its death. They do not possess any of the abilities they had in life.
Curse of the Grave (Su)
Any damage dealt by a darnoc's slam attack does not heal naturally and resists all magical healing (potions, cure spells, and so on). Before the damage can be healed, the curse must first be broken with a break enchantment or remove curse spell (requiring a DC 20 caster level check for either spell).
Ghost Form (Su)
As a standard action, a darnoc can become incorporeal for up to 10 minutes each day. While incorporeal, the darnoc has AC 14 (+2 Dex, +2 deflection) and can use its slam attack as an incorporeal touch against corporeal targets dealing 1d6+1 points of negative energy damage as well as curse of the grave.
Symbol of Discord (Su)
Once per day as a standard action, a darnoc can scribe a symbol in the air. All creatures with an Intelligence score of 3 or higher within 60 feet who see the symbol must succeed on a DC 16 Will save or immediately fall into loud bickering and arguing. Meaningful communication is impossible.
If the affected creatures have different alignments, there is a 50% chance that they attack each other. Bickering lasts 5d4 rounds. Fighting begins 1d4 rounds into the bickering and lasts 2d4 rounds. Once triggered, the symbol lasts 2 hours. This is a mind-affecting effect. The save DC is Charisma-based.
Environment any
Organization solitary or gang (2-4)
Treasure standard
The darnoc is a corrupting evil presence whose very touch sucks the life from an opponent bit by painful bit. The darnoc are said to be the restless spirits of oppressive, cruel, and power hungry individuals cursed forever to a life of monotony and toil, forbidden by the gods to taste the spoils of the afterlife they so desperately craved in life. Often seen in the clothes and guise it wore in life, a darnoc often walks the same halls and repeats the same actions of its insipid existence over and over again. Due to their great greed, a darnoc may be found within its treasury endlessly counting its coins, or within a graveyard noting the headstones of its vanquished foes with cruel mirth. When distracted from its reverie of its remembered past life, the creature flies into an inconsolable rage, often lashing out without warning or provocation at the first individual who attempts to speak to it.
Advanced elite darnoc (CR 12)
Darnoc from the Tome of Horrors Complete, Copyright 2011, Necromancer Games, Inc., published and distributed by Frog God Games; Author Scott Greene.


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EWN reporter Masa Kekana says the ANC outgoing deputy general secretary, Jessie Duarte has made an announcement that the credential process of the elective conference is officially adopted.
Duarte made the announcement that the PECs of KZN as well as the Free State will not be able to vote but they will be allowed to participate in the conference.
She did mention that there 35 disqualified branches who were converted to non voting delegates but can participate.— Masa Kekana, EWN Reporter
Kekana says Duarte rubbished reports that there were inflated numbers, saying that they have learned from the court outcomes and the last thing they would want to do is to land back in court.
While there was a delay she says it was a necessary delay to ensure that this process is as transparent as possible and that they get the right people to vote.— Masa Kekana, EWN Reporter
According to Kekana, Duarte said right now they are going into a closed meeting where they will be drafting the rules of conference and discussing any possible changes to the ANC constitution. It is only after these discussions that the nominations of the Top Six will resume.
We were expecting to get the results of the new leader by this evening but Duarte said she doesn't think that will be possible and that the earliest we can get the result is tomorrow morning.— Masa Kekana, EWN Reporter
She said this is something that can't be rushed because it is a delicate procedure.— Masa Kekana, EWN Reporter
Listen to the rest of the report by EWN report Masa Kekana below:
This article first appeared on CapeTalk : New ANC president expected to be announced on Monday morning


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Class: Installation::FinishClient
- Inherits:
- Object
- Yast::Client
- Installation::FinishClient
- Includes:
- Yast::Logger
- Defined in:
- library/general/src/lib/installation/finish_client.rb
Abstract class that simplify writting finish clients for installation. It provides single entry point and abstract methods, that all finish clients need to implement. # Inst-Finish Scripts ## About They are called by the inst_finish.ycp installation client at the end of the first stage installation.
Part of these clients are called with SCR connected to inst-sys, the others are called after SCR gets switched to the installed system (chrooted).
Script inst_finish.ycp contains several stages, every has
* label - visible in the writing progress
* steps - list of additional inst_finish scripts that are called
("bingo" -> "bingo_finish.ycp")
Important script is "switch_scr", after that call, SCR is connected to the
just installed system.
## Finish Scripts
Every single finish script is a non-interactive script (write-only). It's basically called twice:
* At first "Info" returns in which modes "Write" should be called
* Then "Write" should be called to do the job
Class Method Summary collapse
.run ⇒ Object
Entry point for calling client.
Instance Method Summary collapse
#run ⇒ Object
Dispatches to abstract method based on passed arguments to client.
Class Method Details
.run ⇒ Object
Entry point for calling client. The only part needed in client rb file.
44 45 46
# File 'library/general/src/lib/installation/finish_client.rb', line 44 def self.run new.run end
Instance Method Details
#run ⇒ Object
Dispatches to abstract method based on passed arguments to client
49 50 51 52 53 54 55 56 57 58 59 60 61
# File 'library/general/src/lib/installation/finish_client.rb', line 49 def run func = Yast::WFM.Args.first log.info "Called #{self.class}.run with #{func}" case func when "Info" info when "Write" write else raise ArgumentError, "Invalid action for proposal '#{func.inspect}'" end end


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Cybersecurity Talk with Jeffrey Hicks: Is PowerShell a good hacking tool?
Jeff and Paula shared the stage at the latest NIC conference in Oslo — this is where this interview was shot. They were talking PowerShell Security — one of Jeff's favorite subjects (to the point where he sometimes dreams in PowerShell, as he admitted….)Read more
How to Recover Deleted Files from the Drive?
In this tutorial, we're going to do a little bit of Forensics. At the end of this episode you'll be able to not only recover files from a disk by using PowerShell, but also to recover small files (even those that could have been potentially overwritten).Read more


text:
The #1 riding helmet is better than ever! The redesigned Spirit offers a deeper full coverage fit for incredible comfort and security. Riders love its new low profile design and DialFit™ technology that work together to create the most comfortable fit for a variety of head shapes. The XS size fits great on young riders with its drop back design that increases helmet stability.
Key features include:
We split the purchase amount into 4 interest-free payments, spread over 6 weeks. There are no fees if you pay on time.
Get product updates, exclusive deals, restock alerts, and more over at our VIP Facebook group!


text:
Please message me if anyone is trying to harass you or hard selling something to you... either from discussion or private message. I received reports that some Scam Agency dare to threaten members via PM. Surely these scammers are desperate. Pm me and i'll deal with them.
Maintenance Completed! Added SSL security layer to this forum :) If you are facing any issues posting or anything please email me at [email protected] .
Important notice to those who are posting Job Advertisements on the site. Please check the proper guidelines from Tafep.sg here before posting. Read on the Words And Phrases To Avoid In Job Advertisements .
Hi to all Pinoys out there in Singapore! We are bringing up a new online community where our aim is to help each other and to integrate / blend well with other people around us here in our 2nd Home. Hope you can join us and make us your new tambayan place! An attempt to bring back pinoysg.com . For issues on the site please send your concern to [email protected] . Please don't forget to check your spam folder when checking for the confirmation email.
2 HDB common Rooms near the city
2 HDB common rooms available near tiong bahru mrt. Open to All single professional male or female with good hygiene and maintains a tidy living environment. 1st room - $700; 2nd room - $550. All excluding PUB. Available by 1st May. Please call/message/whatsapp Rikka 86133418 or Sheryll 91123601 for viewing. Pictures are available upon request.
Please disregard this post. Thanks


text:
Life Insurance
Nobody wants to think about leaving family members with unexpected funeral arrangements following a devastating loss, but proper planning now can help alleviate burdens you won't want your family going through in that darkest hour.
Many people assume they can't buy life insurance because it's not in their budget, or that they have a while before they need to seriously consider obtaining a policy. We're here to give you options that work within your budget, and to tell you that you can afford protection now without having to worry about the what-ifs.
An agent at AltaOne Insurance Solutions will find the best life insurance quote at a rate you can afford. This generally means choosing from two main categories:
- Term Life
- Whole Life
Term life is the more affordable option because it's flexible and temporary. Whole life is permanent and comes with other incentives, like a cash value, but this makes it more expensive. Because your coverage needs may change over the years, we're happy to keep you informed of your options.


text:
Brent Eleigh
1 Real Ale pub
Useful links
Population (2011) of Brent Eleigh: 174.
Local licensing authority for Brent Eleigh is Babergh.
About Brent Eleigh
A small village that must have suffered a major fire at some time (Brent means burned and it appears on John Speed's 1610 map as "Burnteylie"). The 1837 OS map shows the village as "Brent Illeigh", though the 1856 map has the modern spelling.
Fine wall paintings in the 14th century church were uncovered in 1960.
The Cock has one of the most un-spoiled pub interiors in the region.


text:
3443 INWOOD is the epitome of beauty and style in one of Houston's premiere neighborhoods.
Exceptional construction, state-of-the-art technology and extraordinary architectural details throughout.
Welcome to the Grand Foyer with exquisite marble accenting all four corners and an Italian porcelain floor with metal inlays that create a gracious entry.
Formal Living Room with gas-log fireplace and Italian porcelain floors with marble borders.
Formal Dining Room with a floating ceiling with LED lighting and a wall of windows facing the Front Yard.
Wet Bar connected to a Parisian-style Wine Room.
A closer look at the Wine Room with convenient shelving for your finest wines and spirits.
The Gourmet Kitchen has an oversized island and a Miele suite of appliances.
Another view of the Gourmet Kitchen that showcases the Italian porcelain tile wall above the professional gas range.
Breakfast Room next to Gourmet Kitchen has a built-in buffet with lower storage cabinets.
Executive Study/Library has well-lit built-ins and sliding glass doors that open to the Covered Back Porch.
The Executive Study/Library overlooks the stunning Backyard, Pool & Summer Kitchen.
The enormous 2nd Floor Game Room overlooks the Family Room.
Private Sitting Room next to Master Bedroom has a fireplace with marble surround and large windows overlooking the gorgeous Backyard.
Spacious Master Suite on the 2nd Floor.
Master Bedroom with graceful barrel ceiling and a wall of windows that frame mature trees.
The luxurious Master Bath boasts furniture-grade vanities and built-in cabinets, a deep soaker tub, a large steam shower, dual water closets with bidets, and an enormous master closet with two islands and well-lit built-ins.
The beautiful Master Closet has lavishly-appointed built-ins and two islands with plentiful storage.
One of several exquisite Guest Bedrooms with en suite baths and walk-in closets.
A Dry Sauna and a spacious glass-encased Wet Sauna with Italian glass mosaic tiles were designed for ultimate relaxation.
The glass-encased Massage Studio and the wide, marble-clad vanity complete this luxurious 3rd Floor Retreat.
Heated Pool & Spa and Summer Kitchen in a sizable Backyard.
At any time of day or night, 3443 Inwood Drive is a perfect home for gracious family living and entertaining.
1 of 26
m: (713) 444-5721o: (713) 444-5721
Profile | Listings
1717 West Loop SouthSte 1700Houston, TX, 77027(713) 520-1981
View office profile


text:
The Dos and Don'ts of Spare the Air Day
Summer is filled with the hot, dry days that can lead to an increase of smog in the air.
To help minimize summer smog, the Bay Area Air Quality Management District issues Spare the Air alerts, asking Bay Area residents to limit activities that will increase smog on days where the air quality index is 101 or higher in two of the five Bay Area monitoring regions.
Here is a list of Dos and Don'ts to consider on Spare the Air days.


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In the past few years, the world has experienced devastating natural disasters on a level that hasn't been seen for decade with a rising trend of greenhouse gases that continuously trap the heat from the sun and cause the temperature of our planet to rise. This warming of the globe has potentially altered sea level, crop yield and rain fall, and also the intensity and frequency of natural disasters such as tornadoes, hurricanes, floods, and droughts. The scientific community as a whole has determined through all research that global warming is a problem caused by human influence and humans most in all ways try to combat this with a positive influence
Websites and blogs strive to provide the public with information on global warming in an attempt to raise awareness and preserve the world's beauty. It was reported lately that a scientist Dr Klaus Lackner has invented an artificial tree designed to do the job of plants. It would draw carbon dioxide out of the air, as plants do during photosynthesis, but retain the carbon and not release oxygen. We begin to ask our selfs this harder questions. had it been that everyone cared enough for this planet as much as Dr Klaus Lackner ? It is predicted one synthetic tree could remove 90,000 tonnes of CO2 in a year – the emissions equivalent of 15,000 cars but then this invention is still on paper work and what should we be doing in the main time as Dr Klaus looks forward to make this theory a reality.
Nevertheless while waiting on the practical implementation of Dr. Klaus Lackner's There are many possible wedges that could each reduce green house gases emissions including improvements to energy efficiency and vehicle fuel economy (so less energy has to be produced), and increases in wind and solar power, hydrogen produced from renewable sources, biofuels (produced from crops), natural gas, and nuclear power. There is also the potential to capture the carbon dioxide emitted from fossil fuels and store it underground—a process called "carbon sequestration."
The evidence that humans are causing global warming is strong, but the question of what to do about it remains controversial. We are all an important factor in planning for the future.