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Dilemmas of Predictive Dementia Diagnostics:
German Stakeholder Conference for Improving Ethics Competence in Healthcare and Life Sciences - "Prä-Diadem"
Prof. Dr. Silke Schicktanz
Julia Perry, M.A.
apl. Prof. Dr. Scott Stock Gissendanner
Benjamin Herten, M.A.
Duration: October 2017 - April 2020; Funding code: 01GP1770B - German Stakeholder Discourse on Dilemmas of Predictive Dementia Diagnostics
Research on new methods for the prediction of dementia using biomarkers may soon enable cheap testing of one's likelihood to contract one of the major forms of dementia. Although dementia prediction is considered a significant medical advance, it also raises ethical and legal issues as well as potential psychosocial risks for individuals. Its potential advantages include more effective research, earlier detection and potentially sooner administering of treatment options, in the future, and the ability of affected individuals to personally supervise their nursing care and estate planning. In terms of health policy, enabling a shift from care to prevention. Possible problems lie in the mental burden of anticipating (potentially in error) the onset of dementia as well as in forms of social rejection as no cure currently exists. In addition, because test results are expressed as notoriously non-intuitive risk probabilities, patient counseling and informed consent become especially challenging.
To date, no ethical, legal and public debate exists focusing on these relevant topics. The project "Dilemmas of Predictive Dementia Diagnostics", funded by the German Ministry of Education and Research, is to initiate and structure such a debate. The central issues focus on three areas: the ethics of the healthcare professions involved in test counseling, legal issues in areas such as advance care planning and informed consent of participants in future research as well as general social and ethical issues such as the prevention of stigmatization, discrimination.
- Ethical guidelines for learning to recognize and address problems in patient counseling, informed consent, and advance care
- Educational materials for health professionals in training
- Information for memory clinics and self-help groups
- Resources for continuing the public debate
Professor Silke Schicktanz of the Department of Medical Ethics and History of Medicine of the University Medical Center Göttingen, is responsible for methodology, didactics, and analysis. The IEGUS Institute (Berlin/Bochum) is responsible for communications and logistics.
An interdisciplinary board of advisors provides constructive criticism regarding project methods and results and advises should unexpected problems arise. Its members are preeminent experts in fields directly relevant to dementia prediction and its implications:
- Dr. Frank Bergmann, Chair of the Kassenärztliche Vereinigung Nordrhein and former Chair of the Professional Association of German Neurologists.
- Prof. Dr. Klaus Gerwert, Professor of Biophysics at the Ruhr-Uni-Bochum and Speaker of the Protein Research Unit Ruhr within Europe (PURE)
- Dr. Jürgen Gohde, Chair of the Board of Advisors of the IEGUS Institute and former Chair of the Kuratorium Deutsche Altershilfe
- Prof. Dr. Hans Gutzmann, former President of the German Society for Geriatric Psychiatry and Psychotherapy
- Prof. Dr. Stefan Huster, Professor of Public Law, Social Welfare and Health Law, and the Philosophy of Law at the Ruhr University Bochum
- Sabine Jansen, Executive Director of the German Alzheimer Society
- Prof. Dr. Martina Roes, Site Speaker and Group Leader, German Center for Neurodegenerative Diseases (DZNE), Witten
The project will generate written and personal input from stakeholders from an array of disciplines and social groups and use this to create educational materials in a participatory process also involving students. In the context of this project, "stakeholders" are defined as persons, groups, and institutions who are responsible for or who are affected by decisions made in the field of biomarker-based dementia prediction and who could thus make a moral claim to be involved in the formulation of these decisions. Because prediction is a complex topic, experts in the field are not expressly excluded. When possible, however, organizations representing specific interests and claims are to be included rather than individuals with no mandate of representation.
The discourse method used in the project takes the form of an hourglass (see the figure below). Initially, a very broad spectrum of stakeholders will be invited to formulate their perspectives on dementia prediction and formulate these tersely on one written page. They are asked to identify the central concerns they have regarding improved prediction technology and how these should be addressed. Stakeholders may, but are not required to, formulate specific demands.
We expect the number of problems and positions identified to be fewer than the number of participating stakeholders. Thus, from the written statements the project leadership team will distil and cluster common and contradictory positions. On the basis of the provided written statements, the project team will invite individuals of their respective organizations to a stakeholder conference to deepen the debate face-to-face. The Stakeholder Conference (which takes place on June 21-23, 2018 in Göttingen) will bring together 20 to 40 individuals in several moderated discussions. Both written and oral arguments will flow into the project reports.
The intention of this method is to find a median between breadth of outreach and the effectiveness of face-to-face discourse. While a very large number of written statements by relevant stakeholders can be included, a limit to the number of participants invited to debate oral arguments is advisable in order to maximize the effectiveness of this form of communication. Project leadership shall justify to the project board of advisors and to the public its choices of participants and topics for debate. All stakeholder statements shall be published.
The results of the conference will be used to create teaching tools for relevant healthcare professions. These will be put to the test in principle-oriented, case-based discussions among approx. 50 students in Göttingen and Bochum, and among memory clinic teams, who may then suggest changes. All inputs flow into a final set of criteria and into educational and informational tools that shall be published for free download. The project will end in August, 2019 with a public presentation for a national and international audience.
Results from the Discourse Process
Joint Position Paper:
- Working group "Aging and Ethics" of the Academy for Ethics in Medicine (AEM) (in German)
- Federal Working Group of Senior Citizens' Organizations (BAGSO) (in German)
- Federal Outpatient Psychiatric Nursing Initiative (BAPP) (in German)
- The Deutsche Alzheimer Gesellschaft e.V. (DAlzG) fully supports the drafted opinion
- The German Society for General Medicine and Family Medicine (DEGAM) welcomes the broad discussion among experts and the general public and fully endorses the statement
- German Society for CSF Diagnostics and Clinical Neurochemistry (DGLN) (in German)
- German Society for Neurology (DGN) (in German)
- German Professional Association for Social Work (DBSH) (in German)
- German Nursing Council (in German)
- German Center for Neurodegenerative Diseases (DZNE) (in German)
- Institute for Technology Assessment and Systems Analysis (ITAS) (in German)
- Project Advisory Board (in German)
- The Central Council of Muslims in Germany (ZMD) welcomes the broad discussion among experts and the general public and fully endorses the statement
Perry, J., Schicktanz, S., Herten, B., Stock Gissendanner, S. (2021). Ethische und soziale Aspekte der Demenzforschung und -versorgung: Materialien für Lehrende und Lernende in Lebens- und Humanwissenschaften. Göttingen: Universitätsverlag Göttingen, https://doi.org/10.17875/gup2021-1599.
Schicktanz, S., Perry, J., Herten, B., Stock Gissendanner, S. (2020). Demenzprädiktion als ethische Herausforderung: Stakeholder fordern Beratungsstandards für Deutschland. Nervenarzt. doi.org/10.1007/s00115-020-00985-y
Schicktanz S, Stock Gissendanner S, Perry J, Herten B, Bury F. (2018). Wollen wir es wissen? Ein gesellschaftlicher Diskurs zur Demenzvorhersage. ProAlter 2018/4: 60-62. PDF
Stock Gissendanner S, Perry J, Herten B, Roll A, Schicktanz S. (2019). Ein Blick in die Zukunft? Die Demenzvorhersage und ihre sozialen, rechtlichen und ethischen Implikationen. pflegen: Demenz 2019/50: 48-51. PDF
Stock Gissendanner S, Schicktanz S, Perry J, Herten B, Englisch L. (2019). Was wäre, wenn ...? - Konfliktfall Demenzvorhersage. Welt der Krankenversicherung 2019/5: 210-14.
Graphic recording of the panel discussion on the "Conflict of Dementia Prediction" PDF (in German)
Project publication: "Was bringt uns eine Demenzvorhersage?" PDF
Project publication: "Was bietet ein Stakeholder-Ansatz für die Bioethik?" PDF
Project postcard PDF (in German)
Students of the University Medical Center Göttingen / University of Göttingen commented on the joint statement of the stakeholder conference in the context of the discourse procedure "Conflict of Dementia Prediction" with a Poster (in German)
In the summer semester 2019 students from Göttingen reflected on the way we deal with dementia and dementia prediction. They documented their impression in the form of Film clips. (in German)
"Challenges of Dealing with Dementia Prediciton – Various Stakeholders' Perspectives". Winter-Workshop: Demenz-Prävention und Pflege im wohlfahrtsstaatlichen Wandel, Department of Medical Ethics and History of Medicine, University Medical Center Göttingen, 06.12.2019 in Göttingen (Perry, J. & Alpinar-Sencan, Z.)
"Ethische und kommunikative Herausforderungen der Demenzvorhersage: Ergebnisse der Stakeholder-Konferenz und weiterer Diskussionsbedarf", 16th Ingolstadt Medical Ethics Colloquium, 14.11.2019 in Ingolstadt (Schicktanz, S.)
"Pro und Contra einer Demenzvorhersage – ein Blick aus der Ethik", öffentlicher Vortrag mit Diskussion im Rahmen einer Vortragsreihe des Bürger- und Verschönerungsvereins Schönbach, 01.11.2019 in Schönbach (Perry, J.)
"Demenz – Versunken im Meer des Vergessens?", Podiumsdiskussion im Rahmen von "Forschung made in Niedersachsen", 29.10.2019 an der Universität Göttingen (Schicktanz, S.)
"Stakeholder-Beteiligung als Methode: eine Reflexion", AEM Annual Conference, 28.09.2019 in Göttingen (Perry, J.)
"Stakeholder-Involvement for the Prospective Assessment of Medical Technologies: A Methodological Reflection", EACME Annual Conference: Rethinking Ethics in 21st Century Europe, 13.09.2019 in Oxford (Perry, J.)
"Diskursverfahren Konfliktfall Demenzvorhersage—Methode und Ergebnisse", INNOlab2019 Zukunfts(t)raum Gesundheit, 11.09.2019 an der Ruhr-Universität Bochum (Stock Gissendanner, S.)
"Stakeholder-Beteiligung zur prospektiven Einschätzung medizinischer Technologien: eine methodische Reflexion", Conference Questioning or Participating? The Role of Stakeholders in Health Research, 28.03.2019 in Munich (Perry, J.)
"Diskursverfahren 'Konfliktfall Demenzvorhersage'—Methode und Zwischenergebnisse", DGPPN 2018, 29.11.2018 in Berlin (Stock Gissendanner, S.)
"Recht auf Wissen oder Schutz vor Wissen? Öffentliche Ethik-Positionen zur Demenzvorhersage", DGPPN 2018, 28.11.2018 in Berlin (Stock Gissendanner, S.)
"Jetzige und zukünftige Herausforderungen im Zusammenhang mit der Prädiktion von Demenz: Ethische und soziale Gesichtspunkten", Annual Conference on Dementia Service NRW "Demenz 2030 - Wie wollen wir leben?", 21.11.2018 in Wuppertal (Schicktanz, S.)
"Welche ethischen Aspekte sind bei der Vorhersage einer Alzheimer Demenz zu bedenken?", Wednesday series organized by the Clinic for Psychiatry and Psychotherapy, University Medical Center Göttingen, 18.10.2017 in Göttingen (Schicktanz, S)
"Dilemmas of predictive dementia diagnostics: German stakeholder conference for improving ethics competence in healthcare professions" (Lecture in a Symposium), EACME 2018, 6.-8.09.2018 in Amsterdam (Perry, J.)
"Dilemmas of predictive dementia diagnostics: German stakeholder conference for improving ethics competence in the healthcare professions", Alzheimer Europe Conference 2017, 02.-04.10.2017 in Berlin (Stock Gissendanner, S.)
Nationale Demenzstrategie 2020 vom Bundesgesundheitsministerium und dem Ministerium für Familie, Senioren, Frauen und Jugend [zur PDF]
Klingler, C., Kühlmeyer, K. & Schmietow, B. (2019) Befragen oder Beteiligen? Die Rolle von Stakeholdern in der Gesundheitsforschung. Ein Tagungsbericht der Organisatorinnen, Bundesgesundheitsblatt 62, 1378-1383, doi: 10.1007/s00103-019-03028-3 (Conference report; in German)
Petersen, N. (2019). Konfliktfall Demenzvorhersage: Chancen und Risiken der Demenzvorhersage – Wie gestalten wir die zukünftige Praxis?, in: Ethik in der Medizin, online first: https://doi.org/10.1007/s00481-019-00553-2 (Confrence report; in German).
Jessen, F. (2019). Bluttests für die Alzheimer-Erkrankung. Aktueller Stand und ethische Implikationen, Nervenheilkunde 2019; 38(11): 824-827, https://doi.org/10.1055/a-0985-8210 (in German)
The Just Health Initiative reported on the opportunities and risks of dementia prediction and the discourse process: www.gerechte-gesundheit-magazin.de/ausgabe-42/wollen-wir-das-wissen/ (in German). The advisory board is reprsented by its members Prof. Gerwert and Prof. Roes in the interview.
"Dementia Prediction and the New Age of Predictive Medicine". In the "Interview of the Month", Prof. Dr. Silke Schicktanz talks about the ethical, social and legal challenge of dementia prediction, "Just Health" 29.04.2019: https://www.gerechte-gesundheit.de/debatte/interviews/uebersicht/detail/interview/65.html (in German).
Stakeholder confernce – 22.-23. June 2018
You can download the program here (PDF; in German)
Press conference – 05.April 2019
"Opportunities and risks of dementia prediction: Where is there a need for political action?"
You can download the program here (PDF; in German)
Final confernce (closing event) – 06. September 2019
You can download the program here (PDF; in German)
Follow-Up Project: Research on the early stage of Alzheimer's disease: German Alzheimer's Society awards research funding to project consortium
The Deutsche Alzheimer Gesellschaft e.V. Selbsthilfe Demenz (DAlzG) is supporting four projects with its research funding in 2019, which are dedicated to the patient-oriented research of dementia of the early stage of Alzheimer's. After an assessment by the technical advisory board, the DAlzG board selected four projects from among the more than 30 submitted proposals for research projects, including a proposal from the University Medical Center Göttingen (Institute for Ethics and History of Medicine and Clinic for Psychiatry and Psychotherapy) and of the IEGUS - Institute for European Health and Social Economy.
New counseling models for people in the early stages of Alzheimer's disease or in the context of a dementia prediction
The project "Well advised: New multimodal and standardized counseling models for people in the early stages of Alzheimer's disease or in the context of a dementia prediction", submitted by Prof. Dr. Silke Schicktanz, Julia Perry and Dr. Katrin Radenbach (UMG) and Benjamin Herten (IEGUS) receive funding of € 150,000. Biomarkers enable the diagnosis of Alzheimer's disease many years before the first clinical symptoms appear. However, this form of dementia risk prediction lacks specific target group-specific, quality-assured, low-threshold and flexible information and advice offers. The research project wants to close this gap and connect it with existing international and national consulting concepts for the early diagnosis of Alzheimer's disease. This was also a central demand from the BMBF-funded discourse procedure "Conflict of Dementia Prediction".
More articles on the subject:
Article in Gerechte Gesundheit "Wollen wir das wissen?" 2018
"The German Medical Association warns of high expectations for predictive Alzheimer's tests" - Deutsches Ärzteblatt reports in 2018
New York Times "What if You Knew Alzheimer's Was Coming for You? 2017
Debate on improving the diagnosis of Alzheimer's in the European Parliament in 2017


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For the Topping:
1/4 Cup butter melted
1/2 Cup light brown sugar (110 Gr.)
150 Gr. Rhubarb pieces
For the Cake :
1 1/2 Cups all-purpose flour (180 Gr.)
1.5 Teaspoon baking powder
1/2 Teaspoon Kosher Salt
1/2 Cup unsalted butter
3/4 Cup sugar
2 Large eggs at room temperature
2 Teaspoon Vanilla extract
1/3 Cup Sour Cream at room temperature or 1/3 Cup of Greek Yogurt
1/3 Cup Whole Milk at room temperature
Preheat the oven to 350F.
For the topping, pour the melted butter into a 9-inch pan – Sprinkle the brown sugar over the butter and then place the rhubarb slices in straight lines or in a design of your choice.
For the cake ; In a medium size bowl, pour in the flour, baking powder and salt and mix with a whisk, I use this technique instead of using a sieve. It produces the same results quite rapidly.
In a different bowl, pour in the butter at room temperature, with the sugar and using a hand mixer, beat the mixture until creamy and soft. Add the milk and pour 1/3 of the flour mixture and mix well. Add the sour cream (or yogurt) and 1/3 of the flour and mix again. Finally, add the remaining flour mixture, the vanilla extract and mix well. Pour the batter over the rhubarb slices evenly and place in the oven.
Bake for 35 to 40 minutes.
Let the cake rest for about 10 minutes and then reverse it on a serving dish.
Serve with Vanilla ice cream


text: Lemon Sorbet #3 is a cross between Lemon OG and Sherbert. This indica-dominant hybrid carries the sweet scent of berries and creamy lemon while its flavor offers additional notes of fuel. Lemon Sorbet #3 provides strong euphoria with a slightly sleepy aftermath, making it a perfect choice for winding down in the evening. 510 thread battery not included. BEAR in BEAR Labs stands for Botanical Extractions And Research. The brand was born in 2014 within LA's famed San Fernando Valley. When a group of grassroots professionals with over 50 years of experience in the Cannabis Industry that came together to pursue our united vision of creating an affordable and high quality product that everyone can enjoy.


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OTHER WORDS FROM entrusten·trust·ment, noun
How to use entrust in a sentence
We are deeply grateful to him for entrusting us with his collection and for giving us the opportunity to engage our many audiences with it.BMA to name its restrooms for John Waters after donation|Staff reports|November 13, 2020|Washington Blade
That means the people entrusted to take care of your parents and grandparents are too often not in a position to keep them safe from a virus like this.The current state of the pandemic in five graphs|Sara Chodosh|October 23, 2020|Popular-Science
The idea is to entrust every employee to decide for themselves.What if Your Company Had No Rules? (Bonus Episode)|Maria Konnikova|September 12, 2020|Freakonomics
Magnum is an entrusted brand, with an irrefutably global reach.A History of Paris in 150 Photographs|Sarah Moroz|December 14, 2014|DAILY BEAST
Those who are by definition free of the biases that come with living near or working with those entrusted to protect us.Cops, CIA Share a Culture of Lawlessness|Cliff Schecter|December 12, 2014|DAILY BEAST
But last, I suspect they will have a sense of pride that they are the ones, the ones entrusted with this scary task.Caring for Ebola Patients Deeply Scary For Health Care Workers|Kent Sepkowitz|August 2, 2014|DAILY BEAST
It seems only too clear the schools care more about their images than the students entrusted to them.Colleges Lawyer Up Before Claire McCaskill Rape Inquiry|Emily Shire|June 6, 2014|DAILY BEAST
They are really entrusted to the family motive operative in those strata.The Super-Rich Want to Help The Poor As Long As They Get to Run the World|James Poulos|March 24, 2014|DAILY BEAST
To Berthier, if to any one, Bonaparte entrusted his secret designs, for he knew that he could do so in safety.
Accordingly, when in 1812 he planned his Russian campaign, he entrusted Ney with the command of the third corps.
Entrusted with sixty thousand men with orders to make a vast turning movement, his timidity spoiled the Emperor's careful plans.
Macdonald was entrusted with this duty, and was further required to cover the concentration of Championnet's army.
Doubtless I should have been entrusted with letters for your highness were not the city in some confusion owing to the fighting.The Red Year|Louis Tracy


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Why do you need to select a tour time ?
In many guides you are offered predefined fixed tours with special tour time spend.
Well, we thought we will not provide you with a fixed tour, a fixed schedule, fixed sights, but offer you a dynamically calculated tour that meets exactly your requirement: your intended time spend, your interest in general, architecture, history or a tour on a rainy day that will not guide you around in the rain from one closed building to the next.
It is our service idea to use an intelligent smartphone computer to do what it can do best – not to display text about the city, but to calculate your tour, recalculate it, if needed, navigate you through your city experience and tell you stories.
Why you use Google(TM) although you have an internet connection and all the information of the world before you ?
You do it only because you want to separate irrelevant information from information you need. Let the search engine do the job for you !
The same idea is a dynamic tour. It knows where you are, whats your time limit for the tour, whats your interest, knows the closed and open sights and how long it takes to go there and back and whats to see in what time there.
Let your App on the smartphone do the job !!!


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The use of square pipes has penetrated into all areas of our society, but steel products have a shortcoming that is oxidized and rusted, and corrosion protection is imminent. There are many anti-corrosion processes such as oiling, galvanizing, and spraying, each with its advantages and disadvantages
1. No. On the one hand, because the galvanized square tube has a galvanized layer, it is superior to the ordinary welded square tube. It also has better strength, toughness, and other process properties. Its surface has gloss, making it more widely used. Applications include glass Curtain walls, pow


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All clients agree that they are free of COVID-19 symptoms, and are able to attend their appointment that day.
If a client must cancel, their deposit will be applied toward their next appointment that will take place once they are symptom free.
All surfaces are disinfected with medical grade sanitizers before and after each appointment.
Cash payments are no longer accepted.
When you arrive, you will be asked to use hand sanitizer and given a Kn95 mask for your service.
No guests are allowed.
Once you lay down for your service, conversation is discouraged. Please follow instructions and only speak if you need to change positions etc.
Once service is complete, please pay via etransfer or credit card before leaving.


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The Flat Files: Year Two @ TSA
November 14 – 23, 2014
Opening Reception: Friday, November 14, 7pm-10pm
TSA is pleased to present an exhibition to celebrate the launch of the second year of our Flat File program. The 33 artists in this exhibition were chosen from an open call, attracting a range of strong and diverse international artists. The pieces in the show will debut as the last exhibition in our current space and then will mark a transition to our new space by remaining for a year in the physical flat files in our new space, due to open in the new year. As of November 14th, all works will launch on our online flat files, which can be viewed at http://newyork.tigerstrikesasteroid.com/flatfile. For more information, please contact TSA.
The Flat Files features works by: Ali Osborn, Anne Russinof, Beth Livensperger, Brian Cypher, Charmaine Ortiz, Christopher Gideon, Christopher Ho, Elizabeth Ferrill, Elizabeth Livingston, Emily Berger, Erin O'Brien, Evan Venegas, Gregory Slick, Hannah Cole, Jacquelyn Gleisner, Jason Mones, Jeff Fichera, Jonathan Cowan, Jonathon Cancro, Jordan Buschur, Kristin Richards, Lindsey Landfried, MaDora Frey, Margaux Ogden, Melissa Staiger, Peter Schenck, Robert Otto Epstein, Sarajo Frieden, Scott Dickson, Sophia Chai, Terence Hannum, Theresa Daddezio and Will Hutnick.


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The University of Arkansas offers a couple of different options regarding tailgating that allows for a great game day experience. Fans can tailgate in the surrounding lots of the stadium but the earlier you get there, the better off you'll be as it fills up fast. Everyone gets up bright and early to get their game day parties started early here in Fayetteville.
Typically alcohol is not allowed on university grounds, but as long as you're respectful and responsible, there should be no issue with it on game day. Arkansas tailgaters like to have fun but are also a bit more relaxed in their pregame rituals than you'll find at some other rowdier schools. Come prepared to have a good time at a Razorbacks tailgate where you can grab some drinks and shoot the breeze with friends and fellow fans.
One of the best places to tailgate at Arkansas is The Gardens. This grassy area is filled with tents, grills, and massive tailgate vehicles as far as the eye can see. Located on the east side of Razorback Road, the space here will allow you set up a great tailgate and take part in all the best sights and sounds an Arkansas tailgate has to offer. Make sure to get here early though to claim your spot as The Gardens fills up early.
Finally, when attending a Razorbacks game, make sure to wear white and red and respond to the Hog Call around the stadium so you'll fit right in with the crowd.
Hog Walk
Join the Razorbacks spirit squad cheer on the team as they make their way from the bus to the stadium. The Hog Walk is a fun tradition and an excellent way to show off your Arkansas pride.Watch video
AT&T Fan Zone at the Gardens
Located inside the Gardens, Fan Zone offers a fun, family friendly experience. Fan Zone features live music (for specific games), inflatable games for children of all ages, and big screen TVs showing all the major games of the day.
Where to tailgate
The GardensThis is the main tailgating spot for Razorback fans and is located on the east side of Razorback Road. People will come out to the Gardens as early as 7 am to get their pre-game celebration started in this grassy area that offers a ton of non-reserved lawn space. The Razorback shuttle will also take you to the stadium if you don't feel like walking from the stadium
AT&T Fan Zone at The GardensLocated inside the Gardens, Fan Zone offers a fun, family friendly experience. Fan Zone features live music (for specific games), inflatable games for children of all ages, and big screen TVs showing all the major games of the day.
Victory VillageThere are two locations for the Victor Village tailgate, the east and north sides of the stadium. Victory Village offers reservable tented space, which includes a tailgate space, catering packages, and large tents that can accommodate many tailgaters.


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For six years, the Russian army was able to change drastically and take an honorable place in the club of the most modern armies in the world. This was announced by Defense Minister Sergei Shoigu in the State Duma on April 11. There an open meeting of the State Duma Committee on Defense was held with the participation of the highest military leadership of the country. "MK" studied the arguments of the Russian minister.
Sergei Shoigu outlined the positions from which the army started in 2012, when the military reform phase "according to Serdyukov" was completed and a change of leadership took place. In many respects, our army at that time could be considered backward. For example, in the army there was a catastrophic lack of immediate reaction forces. They were uncompiled, armed with obsolete weapons.
The situation was even worse with long-range precision weapons. The troops had only 37 aircraft cruise missiles. In long-range aviation there were only 30 serviceable aircraft carriers. Preparation of flight missions lasted for ages – 44 days. During this time, the operational situation in the theater of operations could change a hundred times.
The unmanned aircraft fleet did not cause anything but tears: 91 sets from the 1970s, which were unsuitable for modern warfare.
Such an army could not arrange the country's leadership. It was necessary to rebuild and rearm on the march.
"The measures taken allowed by 2019 to increase the number of carriers of long-range high-precision weapons on land, sea and air-based more than 12 times, and high-precision cruise missiles – more than 30 times," said Sergei Shoigu to deputies.
The preparation of flight missions for rockets, thanks to the introduction of modern data processing and transmission systems, takes up to three hours.
For six years, the troops received more than a hundred YARS intercontinental ballistic missiles. The surface fleet was supplemented by three missile strategic submarines "Borey", as well as seven other types of submarines.
Russian coastal forces received 17 Ball and Bastion complexes. Almost four thousand new and modernized tanks, self-propelled guns and "armor" are lighter.
The fleet of the VKS was supplemented with a thousand airplanes and helicopters of various modifications. The troops received more than two thousand modern drones.
There is a new recruitment system for the Armed Forces. Since 2012, the number of contractors has doubled, to 394 thousand people.
All commanders of districts, armies, division commanders, brigades and regimental commanders have real combat experience.
"The number of new weapons is great, but an equally important indicator is the high combat and operational readiness of units and formations of the modern Russian army," military expert Viktor Murakhovsky commented to MK on the speech of the Russian defense minister in the State Duma. – It was first demonstrated in 2014, when they ensured the peaceful holding of a referendum in the Crimea. And a year later – during the anti-terrorist operation of the VKS in Syria.
According to the expert, we really have reached a level where we can restrain a potential enemy in any direction without a "nuclear baton".
The State Duma told the attache about the consequences of the US refusal from the START-3 Treaty
If the Russian-American Strategic Offensive Arms Treaty START-3, which expires in 2021, is not extended, the world will be on the verge of a global crisis with unpredictable catastrophic consequences. This was stated by Chairman of the State Duma Defense Committee Vladimir Shamanov on Monday, March 11, at a briefing for foreign military attaches.
According to the deputy, the United States announced about a hundred strategic carriers converted into non-nuclear weapons. This includes, in particular, the 56 launchers of the Trident-2 intercontinental ballistic missiles on submarines, the 41st B-52 strategic bomber and four so-called training launch mines of intercontinental ballistic missiles.
– But how to check it? We offered to come, see, make sure that this (carrier alteration. – "MK") is not just words, "says Vladimir Shamanov. – However, in response we hear: believe in the word.
At the same time, Washington is demanding "iron" evidence from Russia of non-violation of agreements on START-3. At the same time, the deputy noted, it seems that the United States is not too interested in extending the treaty on offensive weapons.
– Last year, the United States unilaterally withdrew from the Treaty on Medium and Short Range Missiles (INF). In two years, START-3 will also come to an end, and another question is whether the United States will extend it, Shamanov said. – But I want to warn you – if there is no extension, we will instantly find ourselves on the verge of a global catastrophic nuclear crisis.
According to the chairman of the Duma defense committee, in this case, no one will be able to control at least 1,200 nuclear weapons.
An eloquent fact speaks of the true interest of the United States in any treaties and agreements: military attaches from 89 countries came to the briefing. At the same time, the undisputed leader in the military budget in the world of the United States ignored this meeting.
Defense Ministry to spend almost half a billion on cybersecurity
The Russian Ministry of Defense is actively working to modernize the information protection system in the Armed Forces. It is planned to spend about 450 million rubles on the purchase of special hardware and software that will make it possible to detect, prevent and eliminate the threat of a possible computer invasion in the next two years.
According to information from the state procurement website, the Ministry of Defense plans to purchase information protection means, as well as special information and telecommunication systems for 350 million rubles. In addition, the purchase of licensed software for about 100 million rubles.
Earlier, Lieutenant-General Yuri Kuznetsov, the head of the State Security Service of the Ministry of Defense of the Russian Federation, said earlier, the department is actively working on the "front" of information security, including the purchase of modern security software and hardware.
"Considering the current pace of development of innovative technologies, their rapid implementation in many areas of society and the state, as well as the rapid growth of stored and processed information, the practical implementation of these technologies, including in the state defense sphere, this is just the next few years" – said Lieutenant General Kuznetsov in an interview with the newspaper "Red Star".


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10 Acre piece of land just out side Bracebridge Ontario in the heart of Muskoka. This 10 Acres is environmentally protected and is not permitted to have a home built on the property. Your ability to own a piece of Muskoka at a fraction of the cost. (id:45568)
0 WHITE EAGLE Trail, Bracebridge
- Listing ID: 40347252
- Property Type: Vacant Land
- Features: Country residential
- Ownership: Freehold
- Transaction: For sale
- Zoning Description: EPW1
- BasementType: None
- Fireplace Present: False
- Access Type: Road access
- Acreage: true
- Sewer: No sewage system
- Size Frontage: 339 ft
- Size Irregular: 10
- Size Total: 10 ac|10 - 24.99 acres
Listing provided by RE/MAX PROFESSIONALS NORTH, BROKERAGE, BRACEBRIDGE
MLS®, REALTOR®, and the associated logos are trademarks of the Canadian Real Estate Association.
This REALTOR.ca listing content is owned and licensed by REALTOR® members of the Canadian Real Estate Association.
This property for sale located at 0 WHITE EAGLE Trail in Bracebridge was last modified on November 11th 2022. Contact Paul Casey today and schedule a viewing or subscribe to other properties for sale in Bracebridge.


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PARIS, France – The coronavirus may be causing global chaos, but for social media influencers it is a golden opportunity to grab the attention of a giant captive public forced to stay at home.
Some have even been sharing their experiences of living with the virus, like the New York blogger-turned-designer Arielle Charnas and the German fashion influencer Carolin Lauffenburger.
Charnas shared her initial symptoms and aches and pains on Instagram right up to the shock of her positive test.
"I'm so happy my fever is gone but the body pain that I'm feeling today is unlike anything else," she confessed as he follower count rocketed to 1.3 million.
"It feels like we're all in a bad dream right now," she added.
And things took a turn for the worse when Charnas was harangued for risking her family's health after posting a photo of herself hugging her daughter in her pajamas.
"You didn't listen to doctors' orders. Now your daughter probably has COVID-19 you dumb b****," one angry poster wrote.
Lauffenburger's American husband Grayson tested positive for coronavirus last week after getting a fever and chest pains.
Since then the couple have been answering questions from the 27-year-old model's followers about the illness and they are coping with quarantine in their Berlin apartment.
Lauffenburger said she was almost certainly infected, but wasn't unduly worried as her husband had only mild symptoms that lasted for little more than a day.
'Let's not be selfish'
Still, she appealed to her nearly 100,000 followers to stay home and "not freak out".
"Let's not be the generation that preferred temporary freedom to the well-being of everyone," she said.
The queen of the fashion influencers, the Italian Chiara Ferragni, was fittingly regal, urging her close to 19 million followers "not to be selfish" and avoid going for runs in the park.
Nor is she wasting the time in her palatial Milan apartment – which is not far from the centre of the Italian outbreak.
She has been "working hard creating looks, meditating and reading", as well as helping her rapper husband Fedez organize online concerts from their balcony.
And her fans were warned that quarantine was no excuse to let themselves go or hang around all day in their pajamas.
Ferragni urged them to "workout with a YouTube video, follow a makeup tutorial, try a different hairstyle or indulge in a new purchase online."
Stuck at home without glamorous parties or product launches to go to, lots of other influencers have been cranking out live videos and "lockdown tutorials" with tips and suggestions to cheer people up – though in the Philippines "cheering up" isn't quite the right term for the effect influencers have had on followers. (READ: Influencer gets flak online for rant vs workers stranded due to coronavirus lockdown)
Several have reported soaring likes and shares with the Columbian Andrea Espada's 15-second take on the song "Its Corona Time" being viewed 800,000 times in a few days.
Seeing the funny side
All of which gives ample scope for satire.
The French standup comedian Panayotis Pascot got 2,000 views in a few seconds for an Instagram live on the evening of March 17 – the first day of the French near-total lockdown – in which he showed himself doing absolutely nothing.
"We're eating raspberry Jaffa Cakes while watching (the zombie series) The Walking Dead. A very bad idea," he quipped.
The TV presenter and comic Jeremstar shot himself in front of shuttered shops in Paris feeling nostalgic about all the things he was going to miss for "the next 45 days", like pedestrian crossings.
"I am taking great pleasure in being ugly, not having to do myself up anymore," he joked, saying that he was getting ready to put on 29 kilos (64 pounds) by eating ice cream at 4 in the morning.
But there is no slacking for the ripped YouTube fitness star, Tibo InShape, who despite being heartbroken by the closure of his favourite weights room, has been busy showing his viewers how to turn their home into an improvised gym.
Even the World Health Organization has been busy on social media, embracing TikTok, the Chinese video sharing platform popular with youngsters.
Their #SafeHands campaign is based on jokes and dance routines, with the US singer Mariah Carey appearing in a musical number to show how to wash yours for 40 seconds if you want to beat the coronavirus. – Rappler.com
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XM Review
XM is a well-established Belize-based Market Maker forex broker with a global presence, overseen by the International Financial Services Commission and other reputable market regulators. XM is considered a safe, trustworthy broker with average risk with spreads as low as 0.6 pips, leverage ranging from 1:100, and a trust score of 84 out of 99. XM is currently not regulated by the CBN.
Jump to:
Regulation and Safety of Funds
Account Types and Features
Account Registration
Range of Markets
Deposits and Withdrawals
Education and Research
Affiliate Program
Final Verdict
Pros and Cons
Total Pairs
Islamic Account
Trading Fees
No (Just spread)
Account Activation Time
24 Hours
XM at a glance:
|🏛 Headquartered
|🏛 Nigerian Based Office
|👍 Accepts Nigerian Traders?
|📅 Year Founded
|📱 Nigerian Office Contact Number
|⚖ Regulation
|FSCA, IFSC, ASIC/AFSL, CySEC, DFSA
|🔎License Number
|Belize – 000261/158
South Africa – 49976
Australia – 443670
Cyprus – 120/10
Dubai – F003484
|⚖ CBN Regulation
|✴ Regional Restrictions
|The United States, Canada, Israel, the Islamic Republic of Iran
|☪ Islamic Account
|📈 Demo Account
|📈 Retail Investor Accounts
|🚀 Offers a Nigerian Account?
|💻 Dedicated Nigerian Account Manager?
|📈 Maximum Leverage
|📈 Leverage Restrictions for Nigeria?
|💳 Minimum Deposit (₦)
|2,000 Nigerian Naira (equivalent to $5)
|💳 Nigerian Naira Deposits Allowed?
|💰 Active Nigerian Trader Stats
|1.3 million
|Active Nigerian-based XM customers
|💰 Nigeria Daily Forex Turnover
|$1.25 million+
|💳 Deposit and Withdrawal Options
|Credit Card
Debit Card
Bank Wire Transfer
Local Bank Transfer
|💰 Segregated Accounts with ities
CFDsNigerian Banks?
|💻 Trading Platforms
|MetaTrader 4, MetaTrader 5
|💰 Tradable Assets
Stock CFDs
Equity Indices
Precious Metals
|🌐 Offers USD/NGN currency pair?
|🌐 USD/NGN Average Spread
|📈 Offers Nigerian Stocks and CFDs
|👨💼 Languages supported on Website
|English, Malaysian, Chinese Simplified, Chinese Traditional, Russian, French, Italian, German, Polish, Spanish, Portuguese, and several others
|👥 Customer Support Languages
|👥 Customer Service Hours
|👥 Nigerian-based customer support?
|💰 Bonuses and Promotions for Nigerians
|✴Education for Nigerian beginners
|📊 Proprietary trading software
|💰 Most Successful Nigerian Trader
|Uche Paragon ($20 million net worth)
|✔Is XM a safe broker for Nigerians?
|✔Rating for XM Nigeria
|✔Trust score for XM Nigeria
XM Review – 17 key points quick overview:
- XM Overview
- Regulation and Safety of Funds
- Account Types and Features
- Account Registration
- XM Vs Plus500 Vs Alpari – Broker Comparison
- Trading Platforms
- Range of Markets
- XM Broker Comparison for Range of Markets
- Trading and Non-Trading Fees
- Deposits and Withdrawals
- Process to Withdraw Funds from an XM Trading Account
- Education and Research
- Bonuses and Promotions
- XM Affiliate Program
- Verdict on XM
- XM Pros and Cons
- Frequently Asked Questions
XM Overview
According to research in Nigeria, XM is a well-established Belize-based Market Maker forex broker with a global presence, overseen by the International Financial Services Commission and other reputable market regulators.
As one of the most prominent CFD and FX brokers with more than 5 million registered traders from 190 countries, XM offers competitive trading conditions, multiple account types, and more than 1,000 tradable instruments that may be traded across numerous asset classes.
XM provides a huge range of flexible payment options, 24-hour customer service in more than 30 languages, and more. XM has a policy of no rejections and no re-quotes, and the broker also promises that 99.35% of all orders will be fulfilled in under a second.
XM is committed to fostering a diverse workforce with a diverse range of cultural, national, ethnic, and religious backgrounds. Customers from all around the world appreciate XM's innovative and robust trading platforms and adaptable trading conditions.
The broker's understanding of the world's financial markets is based on years of hands-on experience. In addition to currency trading, XM provides CFDs and equities indices, precious metals, and alternative energy as well as currency trading and CFDs.
This XM review will provide traders with the details that they need to consider whether the broker is suited towards their unique trading objectives and needs.
Distribution of Traders
The distribution of traders who are active on the website of XM is as follows:
Popularity among traders who choose XM
Regulation and Safety of Funds
XM Global Limited is a forex broker that is authorized and licensed by the International Financial Services Commission (IFSC) under license number 000261/158. XM Group is also active in South Africa through Key Way Financial (Pty) Ltd, authorized and licensed through the Financial Sector Conduct Authority (FSCA) as a reputable Financial Service Provider (FSP).
XM operates through Trading Point of Financial Instruments Ltd to offer global services and solutions to retail traders and professional investors, providing several trusted trading options, a range of services, investor protection, and more.
In Australia, XM operates through Trading Point of Financial Instruments Pty Ltd, CAN 164 367 113, with the AFSL number 443670. In Cyprus, XM Cyprus is regulated by the Cyprus Securities and Exchange Commission (CySEC) under reference number 120/10.
In addition, XM MENA is also authorized to provide services in Dubai by the Dubai Financial Services Authority under number F003484.
To ensure the safety of its customers, XM Group has worked with regulated businesses for the withdrawal and deposit procedure. XM Group and the liquidity providers cannot access customer money since they are held separate from corporate funds in tier 1 banks. Customers' accounts are also protected from going negative.
A member of the Investor Compensation Fund, XM adheres to the rules specified in the Markets in Financial Instruments Directive on the protection of investors in the financial markets (MiFID).
It is XM Group's goal to provide the finest possible trading conditions to its customers. It is possible for them to always provide some of the lowest spreads and a lot of liquidity since they collaborate with a wide variety of liquidity providers.
Account Types and Features
XM offers a choice between four retail investor accounts, each catering to the unique trading objectives, trading experience, and style of different traders. The live account types offered by XM include:
- Micro Account
- Standard Account
- XM Ultra-Low Account
- Shares Account
Live Trading Accounts
Micro Account
The Micro Account is the perfect account type for novice traders who are going from a demo account risk-free environment into live market conditions. In addition, this account type is also ideal for advanced traders who want to test their trading strategies.
Account Feature
Base Currency Options
Position Size
1,000 base currency units = 1 Lot
Maximum Leverage Ratio
Negative Balance Protection Applied?
Yes, to all retail accounts
Average spread on all forex major pairs
1 pip EUR/USD
Commission charges
Maximum open or pending orders per trader
Minimum trade volume MetaTrader 4
0.1 lot
Minimum trade volume MetaTrader 5
0.1 lot
Hedging allowed?
Lot Restrictions per trade
100 lots
Islamic Account offered?
Minimum Deposit Requirement
2,000 Nigerian Naira
Standard Account
Account Feature
Base Currency Options
Position Size
100,000 base currency units = 1 Lot
Maximum Leverage Ratio
Negative Balance Protection Applied?
Yes, to all retail accounts
Average spread on all forex major pairs
1 pip EUR/USD
Commission charges
Maximum open or pending orders per trader
Minimum trade volume
0.1 lot
Hedging allowed?
Lot Restrictions per trade
50 lots
Islamic Account offered?
Minimum Deposit Requirement
2,000 Nigerian Naira
XM Ultra-Low Account
Account Feature
Base Currency Options
Position Size
Maximum Leverage Ratio
Negative Balance Protection Applied?
Yes, to all retail accounts
Average spread on all forex major pairs
0.6 pips EUR/USD
Commission charges
Maximum open or pending orders per trader
Minimum trade volume
Hedging allowed?
Lot Restrictions per trade
Islamic Account offered?
Minimum Deposit Requirement
2,000 Nigerian Naira
Shares Account
Account Feature
Base Currency Options
Position Size
1 Share
Maximum Leverage Ratio
Negative Balance Protection Applied?
Yes, to all retail accounts
Average spread on all forex major pairs
According to the exchange
Commission charges
Between $1 to $9
Maximum open or pending orders per trader
Minimum trade volume
1 lot
Hedging allowed?
Lot Restrictions per trade
It will depend on each share
Islamic Account offered?
Minimum Deposit Requirement
4,162,000 Nigerian Naira
Demo Account
A demo account is a practice account that offers traders a certain amount of virtual funds that they can use, allowing them to enter the live market without risking their capital.
There is a certain degree of risk involved when trading financial markets and XM offers its clients a risk-free platform where they can test strategies, practice trading, and explore what the broker offers in a safe trading environment with real market conditions.
Islamic Account
Depending on the trading style and the trading strategy of the forex trader, they may keep their trading positions open for longer than 24 hours on a trading day.
This means that the trader could incur an overnight or rollover fee. This is a type of interest that is prohibited by Riba principles of Sharia law, which means that Muslim traders are often restricted in forex trading.
XM offers the chance for traders to convert any of the live trading accounts offered to an Islamic Account or a Swap-free Account, exempting traders from paying/receiving interest when they hold positions open overnight.
Account Registration
The XM account registration takes only a few minutes to complete. Traders must complete the online registration form, verify their email address, and upload their proof of identification and residential address.
Once traders have submitted their application and it has been approved, they can fund their account and start trading immediately.
XM Vs Plus500 Vs Alpari – Broker Comparison
Trading Platforms
XM offers the use of either MetaTrader 4 or MetaTrader 5 across several devices including:
- Mobile devices that use iOS or Android
- A desktop platform for Linux, Windows, or macOS
- The web-based trading terminal available to most internet browsers
Many traders throughout the world still choose to use MT4 as their preferred trading platform. It is noted for its user-friendly design and wealth of built-in trading tools and technical indicators for performing deep chart analysis, technical analysis, and effective trading.
More trading tools and sophisticated capabilities are included in XM MT5 in addition to the outstanding features of the MT4 platform. It is the ultimate multi-asset platform since it includes an extra 1000 CFDs in equities.
With no rejections, no re-quotes, and variable leverage, traders can trade FX and CFDs on stocks, gold, oil, and equities indexes from a single platform.
Range of Markets
XM offers more than 1,000 financial instruments from the following asset classes:
- Forex Pairs
- Stock CFDs
- Commodities
- Equity Indices
- Precious Metals
- Energies
- Shares
XM Broker Comparison for Range of Markets
Trading and Non-Trading Fees
XM offers variable spreads that are according to the account type that traders use, the trading conditions, the financial instrument being traded, and the market conditions on the day of trading.
The average spreads according to the retail investor accounts offered are as follows:
- Micro Account – 1 pip EUR/USD
- Standard Account – 1 pip EUR/USD
- XM Ultra-Low Account – 0.6 pips EUR/USD
- Shares Account – According to the exchange being traded
XM only charges commissions on the Shares Account and the commission charges traders can expect can range from $1 up to $9 according to the shares being traded and the underlying exchange.
Overnight Fees, Rollovers, or Swaps
The overnight fees with XM will depend on several factors including the financial instrument being traded, the position that traders hold (whether long or short), the position size, the duration of the position, and so on.
Some average overnight fees with XM are as follows:
- AUD/CAD – a long swap of -3.93 and a short swap of -3.4
- AUD/CHF – a long swap of -1.24 and a short swap of -4.04
- CHF/JPY – a long swap of -7.17 and a short swap of -3.07
- AUD/USD – a long swap of -2.34 and a short swap of -1.54
- EUR/USD – a long swap of -5.43 and a short swap of -0.83
- GBP/CAD – a long swap of -5.9 and a short swap of -8.3
Deposit and Withdrawal Fees
Deposit fees and withdrawal fees are not charged by XM.
Deposits and Withdrawals
XM offers the following deposit methods and withdrawal options:
- Credit Card
- Debit Card
- Bank Wire Transfer
- Local Bank Transfer
- Skrill
- Neteller
- WebMoney
Process to Withdraw Funds from an XM Trading Account
Validating the XM trading account is required before traders will be allowed to withdraw cash. Members Area and submit the relevant documents including passport or driving license. Traders must also provide proof of residency such as a utility bill or a telephone bill that displays the traders name and address and is no older than six months.
In the Members Area, click the Withdrawal option and email XM a withdrawal request after traders have received confirmation from the Account Validation Department that the trading account has been confirmed. The only way for traders to get money back is to return it from where it was deposited. On business days, the XM Back Office processes all withdrawals in under a day.
XM will only execute withdrawals and refunds back to the original deposit source in accordance with the Withdrawal Priority Procedure below to safeguard all parties from fraud and minimize the danger of money laundering and/or terrorist funding.
- Withdrawals from a credit or debit card. Up to the entire amount deposited by this method, all withdrawal requests will be handled via this channel.
- Withdrawals from e-wallets are possible and Credit/Debit card deposits will be returned before e-wallet refunds and withdrawals are handled.
- Other Approaches. Once the deposits made using the previous two ways have been used, all additional methods such as bank wire withdrawals will be used.
Within 24 working hours, all withdrawal requests will be processed; nevertheless, all withdrawal requests filed will be immediately recorded in the client's trading account as "pending withdrawals."
A customer's withdrawal request will be handled according to the Withdrawal Priority Procedure stated above if the client specifies an inappropriate withdrawal method. There will be no currency conversions when a customer seeks a withdrawal.
Traders must note that there is a possibility that the deposit currency to be different from that of the transfer currency, in which case XM will convert the transfer amount into the transfer currency.
Education and Research
XM offers a dedicated learning centre that offers a wide range of educational materials including the following:
 XM Live
 Live Education
- Live Education Schedule
- Educational Videos
- Forex Webinars
- Platform Tutorials
- Forex Seminars
The research and advanced tools offered by XM include:
- Trading Tools
- Forex Calculators
- Markets Overview
- News Feed
- XM Research
- Trade Ideas
- Technical Summaries
- Economic Calendar
- Podcasts
Bonuses and Promotions
XM offers Nigerian traders access to a wide range of bonuses and promotions to not only encourage prospective traders to sign up but also to reward loyal customers and active traders. The bonuses and promotions currently offered include:
 $30 No-Deposit Bonus which is automatically credited to the trader's account, with profits that are earned on top of this amount that can be withdrawn.
 50% Deposit Bonus up to $500 in addition to a 20% deposit bonus up to $4,500.
 Trade and Win contests and competitions for existing clients.
 Referral bonus
 XM Loyalty Program
 Free VPS services for eligible clients, ideal for expert advisors.
 0% commissions on deposits or withdrawals including electronic payment providers, major credit cards, bank wire transfers up to $200.
XM Affiliate Program
XM is a globally recognized broker that offers a comprehensive affiliate program that offers the following:
 Up to $25 in commission per lot traded
 10% on second tier referrals
 Zero limits on commissions that can be earned
 Multilingual customer support
 Transfers between Introducing Brokers
 Frequent and prompt pay-outs
 A personal account manager
Verdict on XM
XM is widely considered as one of the best online trading brokers in the world, providing comprehensive trading solutions, competitive trading conditions, and powerful trading opportunities and options.
XM offers a choice between retail investor accounts, powerful trading platforms that can be used across devices, and some of the best trading experiences and safest environments in the industry. XM is a good broker for Nigerian traders despite their trading objectives or trading skills.
XM Pros and Cons
|✔ Pros
|❌ Cons
|XM is a well-regulated and trusted online broker with more than 5 million active clients
|Fixed spread accounts are not offered
|Client fund security is guaranteed, and investor protection is offered
|There are some restrictions applied to United States, Canada, Israel, and Iran clients
|Negative balance protection is applied to all retail accounts, guarding investors against market volatility
|There is an inactivity fee applied to dormant retail investor accounts
|There is a choice between dynamic account types and trading platforms
|XM has won several industry awards since its inception in 2009
|There are several convenient funding options offered and a wide range of deposit currencies that can be used
|There are no commissions charged on deposits or withdrawals
|XM is known for low trading costs, tight spreads, and a range of advanced tools and educational materials
Frequently Asked Questions
Which financial instruments can I trade with XM?
Shares, Forex, Stock CFDs, Commodities, Equity Indices, Precious Metals, Energies
What are the spreads that XM charges?
XM offers tight spreads that start from 0.6 pips EUR/USD.
Does XM offer an Islamic Account?
Yes, XM offers Swap-free account options to Muslim traders.
Does XM offer a Demo Account?
Yes, XM offers a demo account.
What is the overall rating for XM out of 10?
The overall rating for XM is 8/10.


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Hide queues to end user but technicians can assign them to tickets in those hidden queues
There are times when, for administrative reasons, a K1000 admin will need a queue that IT staff can access and work but is not visible to most users. We have a need to for specific queues to be hidden, but at the same time technicians don't log tickets for themselves so those hidden queues need to have the ability to select an end user for.
For example, we have a queue specifically for building a workstation that outlines our build process, needed software, and etc. This is a queue that we need to use internally within our IT department, but still have the option to select an end user so that we know who the PC is being built for.
Is there a way to do this? We want to hide a queue to the end user, but we still want to select this user as the ticket submitter. This action should be done by the IT Staff who can access the queue.
Answers (3)
You need to create the right labels for the users so only users in Label A can see the queue A etc.
Important: if the user is going to the adminui/ he can search for the other queues. This is also works as designed.
It is all well described in the admin guide.
In addition to using a custom field per Hobbsy's answer, you can also use the Ticket CC field.
Another option is to create the ticket in an initial queue and then transfer it to the "hidden" queue. The submitter will not be changed, even though the user isn't an allowed submitter in that queue. I believe you could also create a process that creates child tickets in the hidden queue for the hardware build and pass the submitter from the parent (which lives in your main queue) to the child ticket. That would look something like this:
General Helpdesk, Ticket with Joe User as submitter.
Process creates ticket in Build queue -> Title: Build computer for Joe User
When Build ticket is closed, move on to next step, e.g. Deploy computer, whatever, close ticket, profit. This can all be done back in the General Helpdesk queue.
Top Answer
So in short No. For a queue, you define the submitters, either by label or individually and those are the only users that will appear in the submitter list. So if you do not add Adam Smith as a submitter, you cannot log a call in Adam Smith's name. This means that you are not able to create a queue into which you create calls for users that are not defined as submitters.
The only way you can get around that would be to use a custom field which shows user names from AD, something like SELECT distinct(NAME) From USER
Whilst that will give you the list of all users, that will not add in the usual links, or display other associated data from AD as it would if they were a defined submitter.
Thanks for the answer. We will work with this custom field and do some testing with opening a ticket in a general queue and then moving to other. - yurivieira 3 years ago


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As retirement approaches, 60-plus-year-old women often feel financially insecure. Planning for retirement is demanding enough, but women face additional challenges. A longer life, a gender pay gap, and more (on average) free time can make it difficult for women to save for a comfortable retirement, whether single or married. Here are some of the biggest retirement worries for women.
Health costs care for women in retirement.
It's no surprise that more than half (56%) of women aged 60 and over worry about healthcare costs. In addition, 43% fear that the cost of their prescriptions will exceed the savings made for pensions. According to the Top Health and Financial Concerns survey of American seniors, women are more affected than men.
Women can feel the compounding effects of the income gap regarding retirement. Lower incomes often lead to lower retirement account balances. This can lead to much higher rates of financial insecurity for women than for men.
Unfortunately, on average, women earn less than men; their finances suffer even more due to the opportunity costs of being a mother and caring for an elderly parent. Although the balance of household chores has improved over the past decades, the burden still weighs heavily on women.
The NCOA/Ipsos survey conducted between May 29, 2019, and June 14, 2019, among 1,227 adults aged 60 and over revealed the top concerns of women approaching retirement. The rising health care and drug costs and loss of independence are major concerns for seniors and a direct threat to retirement security. Read on for more details on the issues that affect people in their 60s the most.
Sixty-year-old worried about healthcare costs for retirement
56% of Americans age 60 or older (regardless of gender) worry that their healthcare costs will exceed their retirement income
60% of women aged 60 and over fear that their health expenses will exceed their retirement income
68% of Americans age 60 or older with a family income of less than $50,000 are afraid.
Will you be able to pay for your prescriptions when you retire?
43% of Americans age 60 or older (regardless of gender) worry that the cost of prescription drugs will exceed their retirement income
54% of Americans age 60 or older with household income below $50,000 are worried they won't be able to pay for their prescription when they retire.
46% of women aged 60+ worry that the cost of prescription drugs will exceed their retirement income
60-year-old women worry about lack of money
48% of Americans age 60 and older (regardless of gender) worry about outliving their savings
61% of Americans, age 60 or older, with a household under $50,000 are worried that they will lack funds during retirement.
51% of women aged 60+ worry about outliving their savings
At first, it seemed to me that this percentage was surprisingly low, but then I remembered that only 50% of people have money set aside for their retirement. This led me to believe that many people live on Social Security alone. The good thing about this retirement plan is that the Social Security benefits are for life. Assuming the government does not cut them off in an effort to control the budget deficit.
Women are worried about losing their independence as they age.
54% of Americans over 60 (regardless of gender) fear losing their independence, nearly half (46%) fear becoming a burden on their family
59% of women aged 60 and over fear losing their autonomy
Perhaps the lesson here is to work on your health before a crisis hits. Would you rather recover from a heart attack or avoid having one in the first place? Diabetes? Cancer? There is a long list of illnesses of old age that can be minimized or avoided through proper diet and moderate activity. Plus, we're not talking about a crazy exercise regimen or consuming raw cabbage and beets with every meal.
Women are more concerned about becoming a burden on their loved ones
52% of women aged 60 and over are afraid of becoming a burden on their family, 12% more than men
If you have the resources and ability to protect yourself, consider purchasing long-term care coverage for yourself. When purchased as a lifetime benefit under a life insurance policy, you can often get long-term care coverage and the benefits that come with it if you need home care or have a chronic illness. Other benefits may be collected in the event of a heart attack, stroke, or any other critical illness covered by the specific policy.
Sources of income for retirees
67% of respondents say they are fully retired or retired but have a side-paid job (9%). The rest were working before retirement (17%), with a small percentage (2%) reducing part-time work. Only 4% of respondents said they wanted to work for the rest of their life by choice, while 2% expected to work for the rest of their life because they had to do so for financial reasons.
Not surprisingly, Social Security was the most common source of income among respondents (93%). Pensions followed, providing pension income to 49% of respondents. This was closely followed by income from brokerage accounts (43%) or IRA (37%). Only 37% expect to receive income from an employer-sponsored retirement plan, such as a 401(k). Twenty-two percent of respondents intend to use their own capital for required retirement income, 13% for anticipated income from work, and 6% for anticipated income from a rental property.
It is estimated that 10,000 people turn 65 every day in the United States. This means that more people will be forced to deal with their own uncertainties when planning for retirement. As much as you hate to admit it, retirement will come before you know it, regardless of your current age. Take steps to increase your chances of financial freedom and secure retirement. Even if you start your retirement plan at age sixty, there's still time to improve your prospects for a comfortable retirement.


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Filed Date: Feb. 12, 1976
Closed Date: June 14, 2000
Clearinghouse coding complete
On Feb. 12, 1976, an inmate at the Iowa State Penitentiary filed a lawsuit under 42 USC 1983 against prison officials in the U.S. District Court for the Southern District of Iowa, Central Division. The inmate, represented by the Prisoners Assistance Clinic, challenged the constitutional validity of the "close management policy" (the procedural method of determining whether a prisoner should remain in administrative solid lockup) adopted by the prison.
The District Court (Judge William Stuart) held that the system for review of inmates in administrative solid lockup needed revision and ordered the prison to submit guidelines for determining in a rational manner whether an inmate should be retained in administrative solid lockup. But, as the parties neared agreement on the necessary revisions, the United States Supreme Court decided Herwitt v. Helms, 459 U.S. 450 (1983). The defendants, believing Herwitt changed the relevant law, reraised several issues in the District Court. The District Court held that close management inmates were entitled to frequent review hearings, that inmates were entitled to written notice of impending review hearings, and that inmates had a right to call witnesses at close management review hearings. Clark v. Brewer, 578 F.Supp. 1501 (S.D. Iowa 1983). The order was subsequently modified on February 14, 1984. Clark v. Nix, 578 F.Supp. 1515 (S.D. Iowa 1984).
The defendants appealed and the plaintiff cross appealed. The Court of Appeals for the Eighth Circuit (Judge George G. Fagg) affirmed in part and reversed in part. The U.S. Court of Appeals held that reclassification hearings did not need to be as frequent as the District Court's order required, that inmates would not presumptively be allowed to call witnesses for these hearings, and that inmates need not be informed of criteria that would guarantee their release from close management. Otherwise, the order was affirmed. Clark v. Brewer, 776 F.2d 226 (8th Cir. 1985).
The docket for this case begins when the case was reopened in September 1991, apparently on a contempt motion and a request for relief by the plaintiffs. At this point, several other inmates were allowed to intervene, though it does not appear that the court certified a class of plaintiffs. According to the docket, one plaintiff moved for a temporary restraining order and preliminary injunction on November 21, 1991, but the District Court (Judge Charles R. Wolle) denied the motions on December 23, 1991 and, oddly, again in March 1992. In October 1992, the plaintiffs moved for disbursement and were granted $603.75. On April 5, 1993, the District Court ordered the case to be closed as there were no remaining issues to be decided.
Nonetheless, according to the docket, the plaintiffs moved four years later, on December 23, 1997, for appointment of counsel and for an order to show cause why the parties were not in contempt of the prior order. On December 30, 1997, the court ordered respondents to show cause why they should not be held in contempt. Upon defendant's opposition to the motion for order to show cause, the District Court granted plaintiffs' motion for appointed counsel. However, the plaintiffs' request for relief was ultimately denied without prejudice. This is odd, but no addition information is available. Plaintiffs moved for reimbursement of out of pocket expenses and on June 14, 2000 were granted $163.10 and the case was administratively closed.
Summary Authors
Rebekah Henn Sullivan (8/11/2005)
Arnold, Richard Sheppard (Arkansas)
Bowman, Pasco Middleton II (Missouri)
Fagg, George Gardner (Iowa)
Stuart, William Corwin (Iowa)
Wolle, Charles Robert (Iowa)
Hunacek, Mark (Iowa)
Lipman, Jeffrey M (Iowa)
Mears, Philip B. (Iowa)
Allen, Gordon E. (Iowa)
Getspudas, Mary (Iowa)
Arnold, Richard Sheppard (Arkansas)
Bowman, Pasco Middleton II (Missouri)
Fagg, George Gardner (Iowa)
Stuart, William Corwin (Iowa)
Wolle, Charles Robert (Iowa)
Hunacek, Mark (Iowa)
Lipman, Jeffrey M (Iowa)
Mears, Philip B. (Iowa)
Allen, Gordon E. (Iowa)
Getspudas, Mary (Iowa)
Hulting, Patricia M (Iowa)
Lindebak, Layne M. (Iowa)
Miller, Thomas J. (Iowa)
Schwartz, Barbara A. (Iowa)
Last updated Dec. 3, 2022, 3:14 a.m.
State / Territory: Iowa
Case Type(s):
Key Dates
Filing Date: Feb. 12, 1976
Closing Date: June 14, 2000
Case Ongoing: No
Plaintiff Description:
Inmate challenging as unconstitutional his continued segregation in close management status
Plaintiff Type(s):
Public Interest Lawyer: Yes
Filed Pro Se: No
Class Action Sought: Yes
Class Action Outcome: Denied
Iowa State Penitentiary, State
Case Details
Causes of Action:
Constitutional Clause(s):
Available Documents:
Prevailing Party: Mixed
Nature of Relief:
Injunction / Injunctive-like Settlement
Source of Relief:
Order Duration: 1983 - 1998
Content of Injunction:
Type of Facility:


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There are an estimated 244 million international migrants in the world today. They account for 3.3% of the world's population.1 Moving to a new country is not a new phenomenon, for several decades now people have been moving to new places for good reason.
It's an adventure, but it's also hard work. You will need to learn to work and live in a new place where you may know little about the local language, culture and etiquettes – and this without family and friends – may not be easy. But, thanks to the world we are living in, where with technology, you can manoeuvre your way and can always stay in touch with your loved ones.
For many people, moving to a new country is an active choice that has proved valuable in many ways. Below is a list of the many advantages to upping sticks and moving to a new place.
Economic benefits: For many people in a mobile and connected world, it's worth going to places that have ample job opportunities. That's why multitudes of qualified people seek opportunities in distant markets where their skills are in demand or where they will be better rewarded. This balancing act – where the right skills meet the right jobs – improves global GDP and economic productivity.
Stronger currencies and other perks: For many workers, the decision to move is based on the relative strength of markets. If you work and earn in a market with a strong currency, you could reap a better value for your money when you remit it back home. Moving to countries with strong currencies help people put away a little money at a time to look after loved ones, build their dream retirement home, and plan and invest for a secure future.
For many others, it's not the relative strength of currencies that is key to their decision, but it's the perks that accompany the move. Many countries in the Middle East, for instance, are income tax free. The ability to save up on taxes gives people more disposable income – which they can sink into savings, or through which they can have a better quality of life.
New experiences and ideas: We've spoken about the economic benefits of people moving to new countries, but that's not the only motivation. Travel, living in new spaces, meeting new people and exploring new streets, does wonders for the mind. It opens people to new ideas, and new experiences. They might discover a new favourite food, learn a new language or take up a new hobby. The well-travelled mind is a well-rounded one, and many expatriates move out of the confines of their homes just to discover and explore.
Seeking your own path: Home is comforting, with people to look after you. Yet for many people seeking new pastures, the thrill is in the challenge of doing it yourself. Without a support network in a new country, or people always there to look after you, you're forced to adapt. Versatility and resilience become your calling cards. Many people move to new places just to test themselves and make it on their own – while learning every step of the way.
Of course, moving to a new country doesn't mean leaving it all behind. In today's always connected world, it's incredibly easy to have seamless financial and social links to your home country At Xpress Money, for instance, we continually work to link expatriates with home, and give them multiple convenient channels to remit money back– either to save for retirement or look after their loved ones. That's the beauty of a global world: you never have to disconnect even after leaving home. To know more about us, and send money to your loved ones back home, refer to our website here – https://www.xpressmoney.com/
1. https://www.iom.int/wmr/chapter-2


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A hand-picked selection of hundreds of stone sculptures of women, birds, animals and abstract forms from Zimbabwe are back at the Dallas Arboretum and Botanical Garden following their smash hit exhibition in 2017. According to Dallas Arboretum Board Chairman Jim Ryan, "After their popular success in 2017, we're excited to welcome back ZimSculpt to showcase the magnificent contemporary sculptures that fit perfectly in our garden setting. The statues have been described as strong and delicate, stark and complex, contemporary and exquisitely hand-made."
The more than 100 hand carved sculptures are created by the Shona people, a tribe whose work for more than a thousand years includes using stone for construction and décor. What makes these sculptures stand out, said Vivienne Prince, curator and owner of ZimSculpt, is that the country is rich in minerals, with around 200 varieties. "We're blessed with the varieties of colors," she said.
Some sculptures are in plain sight; others are off the trails. But they are placed with nature in mind. In the Nancy Rutchik Red Maple Rill is Black Panthers by Wiston Nyekete. The two panthers carved from springstone are wrapped around a meticulously-detailed tree. Both are looking out, possibly hunting for their next prey.
In the Magnolia Glade, where many birds congregate, there's Mike Katsvanga's Bird Flock, a white springstone sculpture of a chaotic flock of birds, piled onto the other, facing all different directions. Prince called it Rodin-esque.
His main subjects in stone are leaf-bowls, slender Guinea fowl, shells and leaf heads, subjects he's worked on since he started carving wood in 1992. "He's in our 12th year with us and is practically a member of the family and knows how things work," says Prince.
On display near the entrance, in Pecan Grove, is his Guineafowl, a tall slender interpretation of the Guinea fowl, a common bird in Africa. In real life, the birds are plump and have very skinny necks. White spots cover their skin. This one, however, stands tall and confident. The fowl's skin is white with no spots and wrapped around a black torso. Two realistic, prowling eyes look forward, as the head keenly is slouched down.
"It's an elegant version of the fowl," Prince said.
For this exhibition, Prince selected Sitting Pretty. Sitting near Guineafowl, the sculpture, also made of springstone is of a woman wearing a simple white sleeveless dress. She is sitting down, her knees locked together by her hands and hunched toward her chest. Her head pivots to the left, facing the viewer, yet her eyes are closed. Above her is an enormous white object shaped like a leaf, gently melting around her head.
"There's no secret Black and Decker tools," Prince said.
One of the reasons for having artists on site is people don't realize they're hand made. "This is such a process. You can see the sculpture being made. You can watch and understand what they're doing."


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Hey guys! Jason Boyle and his Mississippi 50 race report was recently featured on the Southeastern Trail Runner Podcast. You can check out the podcast here.
He shares his thoughts with the cast of Southeastern Trail Runners on his race strategy, running gear preferences and even about his time in Alaska.