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The Online Architectural Platform
Resi.co.uk is the UK's first online architectural service, combining technology and human engineering to provide affordable design and planning advice to anyone considering home extension, conversions or new builds. Aimed at homeowners, developers, contractors and estate agents, it's 10 times cheaper and 10 times faster than traditional architects. Floor plans and 3D renders are produced within 72 hours and Resi.co.uk works alongside surveyors and contractors to support planning. The studio is based in London but due to the online nature of Resi, we can provide architectural assistance to not only the UK, but international homeowners. Our price range from £250 to £2000, depending on your choice of package.
How we work
We create efficient and accurate 2D floor plans, 3D renders and elevations in less time than a traditional architect, and at a fraction of the price. As an online architectural service, we rely on cutting edge technology in order to output drawings faster, which means cutting costs, not reducing quality. Our client-architect interaction is carried out over our handy Resi dashboard, which keeps all information in one place and avoids the need for endless emails, and we've carried this out on 750 residential building projects to date.
Our Bespoke Packages
Concept Package
Designed for those at the initial stages of planning a home improvement project, our Concept Package keeps things simple while keeping costs to a minimum. This package allows you to explore the feasibility of your project, and to create a design to suit your objective and budget. First we will chat with you on the phone to fully understand your requirements and what you are trying to achieve with the build. Then our UK based design team will work on designing your new space in 2D. Once ready, the plans will be sent to you for review and if any amendments are needed we will complete a free revision. All of this for just £250.
Planning Package
Designed for those renovating or extending their home and aiming to obtain planning permission, our Planning Package provides you with everything you need in order for this to be achieved. Once we have acquired the floor plans and measurements of your property, we begin with a telephone consultation to fully understand your requirements and what you are trying to achieve. This conversation will consist of a screen share where you and your architect will be interacting and going through various possible construction ideas and spacial iterations. By the end of the call, hopefully, you will both have decided on a final building conception. Our UK based team will then work on designing your new space in 2D. Once ready, the plans will be sent to you for review and if any amendments are needed we will complete a free revision. We then help you submit the necessary forms to secure planning permission or certify your permitted development. Our planning package starts from £720.
Planning and Survey
This package is designed for those who do not have access to existing floor plans. Clients receive everything contained in the Planning Package, but with an on site measured survey. This involves visiting the property and using cutting edge technology to accurately capture the existing dimensions and elevations of the property.
Building Regulations
Once you have finalised the design, the next step is to consider whether you wish to create a detailed design package. There are a number of advantages in this approach: Building regulation drawings can be used to secure approval from building control Technical specifications make it easy to get like for like construction quotations Detailed drawings allow the builder to understand what to construct We have helped over 700 people plan their building project and we use this knowledge to give you excellent advice at every stage. Our planning package starts from £775.
How We Started
After having difficult times with their own residential projects, Resi's co-founders Alex and Jules were convinced that technology could be used in the architectural industry in order to create designs faster, and at a lower cost. This meant that architecture could become more accessible to anyone improving their home with a home extension, not just in London or the UK, but internationally. Using innovative technology and online resources, Resi.co.uk has created a more succinct and logical way to experience an architectural service. Across the whole of the UK, we have now successfully completed over 750 residential extensions, and we can work with you to help you understand what is possible with your project.
How much does an extension cost? Do i need planning permission? How long does it take to build an extension?
- Services
- 3D Rendering
- Architectural drawings
- Planning permission
- New builds
- Loft conversions
- House extensions
- Kitchen Design
- Bathroom Design
- Floor Plans
- Space Planning
- Extensions
- Show all 11 services
- Service areas
- Across the UK
- London
- Manchester
- Newcastle
- Aberdeen
- Leeds
- Liverpool
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- Leicester
- Hull
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- Derby
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- Warrington
- Bradford
- Watford
- Burnley
- Guilford
- Show all 20 service areas
- Address
SE16 4EE London
United Kingdom
+44-2080684811 resi.co.uk


text: Graham shares a candid conversation with the former WWE wrestler and governor of Minnesota, Jesse Ventura. Ventura talks about his time in office – which included a trip to Cuba to meet with Fidel Castro – and a possible run for president in 2016. "The Body" also discusses his falling out with Hulk Hogan and expresses his strong opinion of "American Sniper" author, Chris Kyle. Later, Ventura shows Graham around his high school and the two attend a WNBA game featuring Ventura's favorite professional team, the Minnesota Lynx.

subset: commoncrawl


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The Blue Collar Blueprint
Abigail McCubbin – Copycats
Just as any project requires a blueprint, so should your online presence. Let us guide you through the tips and tricks for creating high-quality visuals, videos, and social media profiles.
In today's ever-changing world, having an online presence is crucial. Before any potential client contacts your business, they will have already done their research and determined whether or not they want to work with you. This decision is based completely on what they see, so high-quality visuals are crucial. Blue collar industries are unique in that many of you are constantly producing beautiful results, so why not showcase them on social media?
Just as visuals help clients decide if they want to work with you, so will incorporating videos. Using video to showcase before and after transformations ensures that you become the go-to business for followers who are looking for inspiration. Our seven steps for creating amazing videos will ensure that your followers are not wasting their time with bad videos.
Social Media
Since social media is such a big part of getting noticed, it is important to make sure your strategy will be effective. Not all social media strategies are successful but by following our five steps for constructing your social media, you'll be sure to see results.
To learn more about how to construct your online presence, check out "The Blue Collar Blueprint for Success Online" below!


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|B&B List Home | USA Map | Massachusetts Bed and Breakfasts | Wickets Inn BnB
Inn & Pub
The Wickets Inn is a stately Victorian B&B Inn and destination resort which sits by the sea on upper Cape Cod. This tastefully restored, architecturally striking Victorian is also the home of The Blue Oyster Grille, a lovely full service restaurant & Bar, and the Harbor Terrace, a lovely poolside bar, all overlooking the sparkling beaches of Onset Bay.
Open year round, Wickets Inn and Onset Village present numerous activities and events which make Onset a perfect location to begin your vacation, without the long wait. An hour's drive from Boston or Providence, Onset is before the Bourne Bridge.
Built in 1863, Wickets Inn represents the stately charm of classic Victorian architecture. Majestically towering over the shores of Onset Bay, Wickets Inn awaits your arrival. Our 12 guest rooms are each uniquely appointed featuring private baths and king or queen size beds, some boasting private balconies overlooking the bay. The Inn also features a newly renovated banquet room, able to accommodate functions for up to 125 people. Wickets Inn is also the home to Wickets Pub serving lunch and dinner daily.
Wickets Pub
Excellent food, distinctive charm and an awesome view! Who could ask for
more? Wickets Pub offers all this and much more. Enjoy everything from a light appetizer
to a full course meal.
Located just before the Bourne Bridge, Onset offers all the beauty and excitement of Cape Cod, without the long ride or the wait before the bridge.
Hits Since 4/01/04
|B&B List Home | USA Map | Massachusetts Bed and Breakfasts | Wickets Inn BnB


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Exploding balloons are the best way to create an effect for any special occasion, guaranteed to make any event go with a bang.
Our exploding balloons filled with confetti, feathers or baby 5" balloons over your dance floor and detonated at some point of first dance creating an opportunity to capture some unique wedding photographs.
These balloons are also very popular at corporate events to launch a product, presentation or awards
All our exploding balloons are also available with a battery operated detonator, which enables your chosen person to simply detonate the balloon at the precise moment for your room entrance or your first dance.


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Program Description
Course in Business Administration - Short Programme in Storekeeping and Stock Control
On successful completion of the programme, the learner will receive a Damelin Short Programme Certificate in Storekeeping and Stock Control.
Entry Requirements
- Learners are required to have knowledge, comprehension and application of English and Mathematics at NQF Level 2/Grade 10 or equivalent.
- Learners must be working in the Wholesale and Retail Sector or have access to such practical experience.
Course Duration
The programme duration is 64 hours and the tuition is face-to-face. Each Damelin campus has a different tuition schedule. Programmes are offered during the week, in the evenings, or on Saturdays.
Course Intro
This programme is intended for people who collect and deliver stock. The programme includes moving, packing and maintaining stock in a Distribution Centre/Warehouse and maintaining safety and housekeeping standards. Learners who have completed this programme will be able to count stock accurately in accordance with all organisational procedures. An integrated assessment approach, using both formative and summative methods of assessments, is used. Learners must be prepared to allocate additional time every week to complete research projects, assignments, tasks or tests.
About the School
Damelin Part TimeDamelin holds the key to your future success, with Part-Time courses offered via face-to-face tuition.If you're looking for quality private education that is relevant and up to date w ... Read More


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The Madison is a practical and stylish four bedroom, two bathroom design. The elegant and welcoming stairway with storeroom underneath, leads to the master suite on the upper floor with desirable views.
Downstairs is an open kitchen and family area with plenty of natural light which provides the ultimate interactive area, with the addition of a home theatre and alfresco outdoor room for each of the household members to relax in and enjoy.


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We've all experienced the cables catastrophe. No matter how hard you prepare or the precautions you take in the end you end of with a mess of tangled wires. Free Lines are looking to help solve that problem once and for all.
With Free Lines, there's never a need to put all your cables into one outlet, you can create as many outlets as you need and put them where you need them. The lines and the outlets just snap into one another for easy use. I think this is a great thing, and in case you can't tell, I'm excited about it, I happen to live in one of those houses where there's an outlet shortage.
I'd love to see these out like yesterday, but unfortunately it's just a concept right now. It's a brilliant idea though and it's definitely something I'd buy.


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Question: I am caring for my sister's child because she is homeless and has mental issues. I am thinking about getting a guardianship over my niece, but I heard that a guardianship is not permanent. If I get the guardianship, will it have to be renewed?
Answer: According to Sheri Rand, Legal Aid's adoptions and guardianship manager, no. A guardianship continues until one of the following occurs: the minor turns 18 years of age, gets married, is adopted, the minor dies, if you are removed as guardian by the court, if you ask to be removed and are granted permission to resign by the court, or if you should die. It is only until one of these occurs that the guardianship will be terminated.
Q: I am married and my husband and I have been taking care of my cousin's teenager for the past year. Although my husband agrees that we should provide the child with a home, he does not want any legal responsibility for caring for the child. Can I become the child's guardian alone without my spouse?
A: According to Rand, yes. A married person can petition the court to become the sole guardian of a minor child without the spouse.
Q: My sister asked my mom and me to watch her children until she got back on her feet. It has been three years now, and it doesn't look like she will be able to be a responsible parent any time soon. Can my mother and I both become guardians of these children? How do we make decisions if there are two guardians?
A: According to Rand, yes. The court allows two relative family members to become co-guardians and share legal responsibilities equally.
Each co-guardian is authorized to act independently of the other co-guardian for the best interest and welfare of his/her ward. In the event either of the co-guardian dies, resigns, is removed or is determined to be incapable of serving as full guardian, the other co-guardian shall thereafter serve as full guardian.


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Anyone who's outgrown the kiddie classic will love this version—gooey-sweet melted marshmallow tempered by bittersweet chocolate cookies and salty roasted peanuts. Prep Time: 5 minutes
How to Make It
Spread peanut butter onto one of the wafers. Slide marshmallow off skewer onto peanut butter. Top with remaining wafer and squish down gently. Eat, licking fingers.
More s'mores for grown-ups
Thin peanut-butter cookies with Nutella, sliced banana, and marshmallow.
Thin peanut-butter cookies with bittersweet chocolate, caramel sauce, and marshmallow.
Graham crackers with a Reese's Peanut Butter Cup (or Nutella), sliced banana, and marshmallow.
Gingersnaps with a caramel-filled chocolate square and marshmallow.
Graham crackers with plain dark chocolate, marshmallow, and strawberry slices.


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Vesna Stojkovska is a Senior Account Manager for the Property and Casualty Division of Meeker Sharkey & Hurley.
Before joining Meeker Sharkey & Hurley, Vesna worked for Willis North America and was a Client Manager handling middle market accounts that spread across the industries, such as technology, manufacturing, construction, not-for profit organizations, transportation, homeowner associations and hospitalities.
Vesna is experienced in assessing the insurance needs of clients and developing insurance programs appropriate to the individual client, Vesna holds the following designations: Certified Insurance Counselor (CIC), and Certified Insurance Service Representative (CISR).
Vesna is originally from Macedonia. However, she has lived in New Jersey for over 20 years and currently resides in Bergen County, NJ with her husband and three sons.


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Champagne - Part Four
What can be read on a champagne label? The brand and the name of the maker; the dosage (brut, sec or so on); the year or lack of a year; the phrase blanc de blancs when only white grapes have been used in the wine; when possible, the commune of origin of the grapes, and finally, sometimes, but less and less often, the qualitative classification of the grapes: Grand Cru for the 17 communes that have the right to the description, or Premier Cru for 41 others. The professional standing of the producer must appear, printed in small letters: NM meaning a merchant-winemaker; RM a grower making champagne from other sources; CM a cooperative that makes and sells its own champagne using grapes from its member growers; MA the brand of the buyer; RC a small grower who sends his grapes to one or several cooperatives to be make into champagne because he does mot habe the equipment to do so himself, and who receives the finished champagne to sell;
Champagne - Part two
More about Champagne
The particular demands of the champagne method, which takes a number of years (three on average and many more for vintage years), requires that over a milion bottles be kept in storage at any one time. According to the CFCE (Centre Francais du Commerce Exterieur), exportation of champagne represents an important part of total French wine exports.
Wine has been made in Champagne since at least the time of the Roman invasion. The first wines to be produced were white; laster production was of red and then 'gris' (grey), which is white or nearly-white wine that comes from pressing black grapes. At an early stage the wine had the irritating habit of fizzing up in the barrels. Systematic bottling of these unstable wines was invented in England, to where, dissolve in the wine, and sparkling wine was born. Dom Perignon, the procurator of the Abby in Hautvillers and a forward-looking blending technician, produced the best wines at his Abbey; he was also able to sell them for the highest prices.
Champagne - Part three
Champagne - Part three
Champagne The uniqueness of champagne is apparent right from the harvest itself. No harvesting machines are permitted, and everything is picked by hand because it is essential the the grapes get to the press in perfect condition. Rather than the hods used elsewhere, pickers carry small baskets to ensure that the grapes are not too crushed. Presses are set up in the heart of the vineyards to shorten the time the grapes are transported. Why is such care taken? Because champagne is a white wine made for the most part from o black grape, the Pinot Noir, and it is essential that the colorless juice should not be stained by contact with the grape skins.
Other wines from Champagne
This wine has been classified AOC since 1974. It is available as white wine, red wine, and rose wine. These are exceptionally rare wines, remnants of the past.
In addition to sparkling wines, Champagne also produces a number of still wines.
This is extremely rare and undoubtedly one of the best French roses. The simple Rose des Riceys is drunk young and chilled . When aged in oak the wine can be kept longer (more than 10 years) and is then served slightly less chilled (50-53°F/10-12°C).
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Auto Loans from Connex
Apply where you buy or online.
We know you can't wait to get behind the wheel. So we made it easier to apply right at the dealership with our Dealer Connex Program. With Connex, you can also apply for a loan online, right now using our secure application form. Get started now. Or just call 800-CR-UNION.
For a list of local participating dealers, click here:
Want information on a pre-owned car you purchased, or a car you're considering buying? Get a CarFax report here!
Sub-compact rates with luxury terms.
With Unbank Auto Loans from Connex, you get rates and terms that benefit you, not some bank. Our rates are some of the lowest around, with flexible terms. Connex even offers low-cost Guaranteed Asset Protection (GAP) and payment protection plans. To view our rates, click here.
We like to go fast.
Apply for an auto loan at Connex, and you get a quick decision on your application and a pre-approval certificate to let you know exactly how much you can afford. It's just one more way we treat you like an owner of the company, because with Connex, you really are.
Have fun down the road.
Cars are great. But there's more to life than workday commuting - like vacation and weekend fun with a boat, bike or motor home. When you're ready for one, we have flexible repayment terms to make your payments affordable. Cars, boats, bikes and motor home mean freedom. So does Unbanking from Connex.
Making your Payment is Easy!
Pay Your Connex Loan With Funds From Your Connex Checking / Savings Account:
Log into Online Banking via laptop, computer or tablet; or Mobile Banking via smartphone and use the "Transfer Funds" option to make your loan payment.
Pay Your Connex Loan With Funds From Another Financial Institution
It's easy to set up Connex loan payments using funds from another financial institution. Simply log into Online Banking and click on the Move Money Button from the top navigational menu then choose Loan Payment and follow the directions on the screen.
You can also use Mobile Banking to may your Connex Loan Payments. Simply log into the app and click on the "more" button. For iPhone users, click on the three dots in the lower right hand corner of the app. For Android users, click on the three lines in the top left corner of the app. Click on the Loan Payment link and then follow the directions on the screen.
Pay In Person
You can also make loan payments in person at one of our branches or any Shared Branching location.
If you prefer to mail your payments, please send to:
Connex Credit Union
P.O. Box 477
North Haven, CT. 06473
© 2020 Connex Credit Union.


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COLUMBIA, S.C.(February 9, 2017) —The first of 26 propane-powered school buses were unveiled today at a ceremony in Summerville. In an effort to be more economically and environmentally responsible, the state of South Carolina has purchased these new Blue Bird Vision Propane school buses to replace aging diesel buses. The alternative-fueled buses will be deployed to service Dorchester and Berkeley counties tomorrow.
"While the South Carolina Department of Education is a low-bid state, wehad heard about the propane technology that Blue Bird propane buses possess from various sources," said Mike Bullman, director of maintenance for South Carolina Department of Education. "With aging diesel buses in our fleet, it was time to replacethemand propane was the option we thought worked best financially and environmentallyspeaking over the long-term.
"These clean-operatingpropane buses represent the largest order of alternative-fueled school buses that the state has placed in the last 30 years. The buses were purchased fromBlue Bird's newest dealership in North America, Blanchard Bus Centers.
"We're pleased to offer alternative fuel options for school buses," said Joe Blanchard, president of Blanchard Bus Centers. "We believe the state ofSouth Carolina will begin to see immediate benefits from these new 'clean' buses. The financial savings should be noticeable from the beginning. An average propane bus saves a school district up to $3,500 per year in fuel costs alone."
The Blue Bird Vision Propane buses emit 80 percent fewer smog-producing hydrocarbons and virtually eliminate particulate matter when compared with conventional diesel. These buses will reduce nitrogen oxide emissions by over 40,600pounds and particulate matter by more than825pounds each year compared with the diesel buses being replaced. Equipped with Ford Motor Company's 6.8L V10 engine, each bus is powered by a ROUSH CleanTech propane fuel system."
Propane autogas is a proven alternative fuel option for school districts," said Todd Mouw, vice president ofsales and marketing at ROUSH CleanTech. "This domestic fuel alsoproduces far less particulate matter and NOx emissions than diesel, so the buses don't require expensive and difficult to maintain after-treatment components to makethe busesrun clean."
Blue Bird Corporation, the manufacturer of these buses, says that propane power is a perfect match for school buses, and the school districts in the state."
Sales of the Vision Propane busincreased 33% in 2016 when compared to 2015, and it's no surprise to us," said Blue Bird's Chief Commercial Officer Mark Terry."These buses clearly work to save districts money, and areincredibly environmentally friendly. We are glad to see that South Carolina has added this amazing product to their fleet. We know they will not be disappointed."
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Kentico CMS Development by Reason One | Powered by Kentico


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SnoreStop Reviews: How To Spot The Fake Ones
As a consumer, you want to read authentic consumer reviews that are collected by a verified third party. Product reviews can sway the average consumer to buy or not buy a product. It's important to consider how the reviews you are reading are collected. For example, when you search 'SnoreStop reviews' in Google one of the top results shown is a blog called withoutsnoring.com. It is clear this blog's agenda is about selling MAD (Mandibular Advancement Device) devices, specifically Good Morning Snore Solution (GMSS) which sells for $99.95.
The reviews about the SnoreStop FastTabs product and the SnoreStop Extinguisher product on the blog provides inaccurate information regarding how the products work, overall cost, effectiveness, etc. in order to sway you into buying a device. Their comparison chart shows the Good Morning Snore Solution is their #1 recommended product. When you click on any link from the blog to go to the official GMSS website you can see in the url that there is an affiliate identification number.
What is an affiliate?
In short: An individual or company that promotes a product or service in exchange for earning a commission.
Another blog we came across providing 'best snoring solutions' is snore.net which looks similar to withoutsnoring.com , it lists GMSS right at the top under 'Best Snoring Devices' followed by ZQuiet which is $9.95 (trial)+ $79.95 if you decide to keep it. It should not be of any surprise that the url that directs you to the official ZQuiet website from this blog also displays a 'share a sale' identification number. Another affiliate? Yes.
Five ways to detect fake reviews:
- A great website called fakepsot.com you can copy/paste a url from any Amazon page or Yelp page you think has suspicious reviews. The site will scan the reviews and give you an adjusted rating, with reviews that are likely fake removed.
- Examine the review's language, see if it reads like a manual or mentions formal product names or model numbers. An authentic review provides specific information on how the product/service preformed.
- Look at the time stamp of each review. If there were several reviews posted at the same time or on the same day, it's usually a red flag.
- Scientists say it takes more brainpower to tell a lie than the truth; when we are telling a lie our vocabulary tends to suffer because we are already expending mental energy on the fabrication. As a result, fake reviews are characterized by shorter words.
- On sites like Amazon or Yelp, take a look at the user's profile and other reviews that they've posted. If their praise or complaints are placed with one particular place or product, they're likely untrue.At SnoreStop, we display customer reviews that are collected by a verified third party which you can view on our website.
We believe in transparency, which is why we show the good, the bad, and (sometimes) the ugly customer reviews.


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by Adam Liptak, The New York Times
The Supreme Court on Monday allowed the third version of the Trump administration's travel ban to go into effect while legal challenges against it continue. The decision was a victory for the administration after its mixed success before the court over the summer, when justices considered and eventually dismissed disputes over the second version.
The court's brief, unsigned orders urged appeals courts to move swiftly to determine whether the latest ban was lawful. Justices Ruth Bader Ginsburg and Sonia Sotomayor said they would have denied the administration's request to allow the latest ban to go into effect.
The court's orders mean that the administration can fully enforce its new restrictions on travel from eight nations, six of them predominantly Muslim. For now, most citizens of Iran, Libya, Syria, Yemen, Somalia, Chad and North Korea will be barred from entering the United States, along with some groups of people from Venezuela.
The restrictions vary in their details, but in most cases, citizens of the countries will be unable to emigrate to the United States permanently and many will be barred from working, studying or vacationing here.
© 2017 The New York Times Company


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- Alarm Systems
- Bargain Stock Clearance
- Bathroom Lights & Fittings
- Colour Changing / Party Celebration Lights
- Commercial LED Lighting +-
- Emergency LED Lighting & Signs
- LED Light Bulbs +-
- LED Spotlights +-
- LED Strip Lights
- LED Torches & Gadgets
- Lighting Accessories
- Outdoor Security Lighting +-
- Security Lighting LED
- Wall & Ceiling Lights
- Water Proof & Fire Rated
- Wholesale +-
LED MultiColour Linkable Rope Light 10m (Mains Plugin)
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Brand: LoNRG
Product Code: FX-9401-10M
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Product Code: FX-9401-10M
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£19.99 £22.42
LED MultiColour Linkable Rope Light 10m (Mains Plugin)
Add some fun to your lighting display with our Multi colour rope light containing 200 bright LEDs, this connectable rope measures 10m in length and can connected upto 10 sets. The wire connections on this rope light feature watertight seals and the whole unit is fully IP44 rated for outdoor use, whatever the weather. These Connectable lights are easy to install, operate and upgrade without messy tangled wires so also easy to pack away when not in use. It is made from tough hard wearing quality materials to give a long service life.
- Multicolour flexible Rope light
- Waterproof IP44
- 10m
- 8 Function controller
- Linkable upto 10 x 10Metres
- 20,000 Hour life
- Outdoor UK 3 Pin Plug
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A Love Letter To Louise: The Woman Who Made My Sh*tty Skin Better
During high school hormones kicked in, I spent most evenings on MSN chatting to my teenage crush and I somehow managed to get away with near perfect skin. While a lot of my friends had to deal with the dreaded acne that comes along with finding hair in weird places and just generally feeling like you had no control over your body, I miraculously got a free pass in that department. But before you start thinking "OK shoosh, we get it adolesence was a breeze for you," I'll kindly let you know that I had weird frizzy hair, suspiciously albino eyebrows and I thought you could get away with fake tanning only your legs and not the rest of your body. However, for all those shortcomings I had it pretty good in the skin department.
Cut to last year at the ripe old age of 28 when I came face to face with the devil...ADULT ACNE. Almost overnight I developed big huge cyst-like (sorry for the visuals) blemishes all along my chin and jawline. And sometimes even my forehead - yay! It really threw me. I never expected to be struck down with skin problems at this age. Needless to say I tried every kind of facewash, mask and home remedy on the market. I became a woman obsessed, googling at all hours and without sounding dramatic (ok, that's a lie I'm incredibly dramatic) it started to effect my personal life. I would avoid going out, spending time with friends and I felt like everyone was looking at my awful face. And on top of all that I was having to film my interviews and news for MTV. Let me tell you, it's really not nice thinking the whole *internet* is judging you and your rotten skin. As a result I felt incredibly depressed.
(Me seen above smiling but just a real sad sack on the inside.)
I've never been one to spend lots of money on skincare products or facials but at that point I needed to throw a hail mary so I booked into Face Plus Medispa in Bondi to get this truly f*cked situation on my mug sorted out.
Enter: Louise, the woman that I can only describe as my skin fairy godmother.
As a complete ~day spa~ novice I really wasn't sure what to expect. As soon as I walked in I felt like I was inside what I imagine Gwyneth Paltrow's mind is like. Candles, cucumber water, beautiful coffee table books - the works - invited me in. And then walked through Louise. We discussed at length my issues (both facial and personal - she's a really great listner. Did I mention I'm needy?) and she immediately put into action a three session treatment plan and assured me I would finish up the process feeling better than even. And you know what, I believed her. Completely.
Due to post inflammatory acne scarring and redness she performed an intial HydroPeptide facial and Pumpkin Peel. I'm not exactly sure what they mean but it felt f*cking fantastic and we finished off with a red LED light session for 20 mins. i.e this thing was on my face.
The second time I saw Louise she remarked on how incredible my skin was looking - something I hadn't heard in a very very long time. I truly wanted to cry. After another skin peel and LED light treatment I walked out of there feeling like, yep, this is working. And honestly the change in my personna, my energy levels, my zest for life was palpable. I started going out to long lunches again! I love long lunches!
My third and final session with Louise was bittersweet. She popped a Phyto Peel to clear up the P-acne bacteria in my skin followed by a herbal peel (with something like 1,990 herbs in it - ok that's an embellishment but I felt like some forest pixies had given birth on my face. Which is a really great thing and a sentence I never thought I would type.) Before leaving Louise set me up with a full treatment plan on how I can go about my skincare routing going forward and then we hugged because she truly brought me and my skin back to life. And for that I'll never be able to thank her enough.
I can now say with confidence that my skin has never looked better. My scarring, blemishes, inflammation and redness have all but gone and most importantly my confidence is back.
If you're going through a rough trot with your skin, I'm gonna save you a lot of anguish and say - JUST GO SEE LOUISE. And tell her I miss her.
The Difference Between Real and Counterfeit Makeup!
The Difference Between Real and Counterfeit Makeup!
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Randy Couture announced his retirement from the UFC this weekend in the famed Octagon. For many fans, it was very difficult to see a legend like Couture, going out the way he did. The future Hall of Famer spoke for just a few seconds with MMAWeekly TV after the toughest loss in his career backstage at Mandalay Bay.
Also the man who knocked out legend, UFC Champion Chuck Liddell continues to be one of the most dominant champions in recent memory. MMAWeekly Radio host, Ryan Bennett did an interview with Liddell for the local NBC television station in San Luis Obispo and you can see that interview as well on MMAWeekly TV just minutes after the most impressive win in his career.
Liddell talked about the rubber match this weekend against Couture and what he did this time around compared to the first two fights. Liddell also talked briefly about possibly facing Babalu for a second time and other future fights.
The MMAWeekly Premium package gives you behind the scenes information that you can't get anywhere else. Whether it's exclusive backstage interviews, or our entire video library, not to mention the radio archive, it's all at your finger tips, 24 hours a day, 7 days a week. Get the most inside information anywhere on the net today, exclusively at MMAWeekly TV, part of the Premium package at MMAWeekly.com.


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Since the hybrid revolution struck near the turn of the 21st century, golfers have removed irons from their bags to make room for hybrid clubs. Even many top professionals have made the switch, including 2009 PGA Championship winner Y.E. Yang, who told "Golf Digest" in 2010 that he uses three hybrid clubs in place of his long irons. For recreational golfers, hybrids are more tolerant of mishit shots and help players loft the ball in the air, so the shift from irons to hybrid clubs should be a smooth transition for most players.
Choose which iron or irons to replace with a hybrid. You can replace any iron, but most golfers replace only their long irons, such as the 3-iron through 5-iron. You may wish to replace a particular iron that you have trouble hitting or that you can't loft in the air as much as you'd like. Alternatively, replace a club that you can hit for distance but with a trajectory that's too low to hold the green on a typical approach shot. All else being equal, you'll loft the ball higher with a hybrid than with its counterpart iron, and a lofted shot is more likely to remain on the green. If in doubt about which club to replace, begin with the longest iron you play regularly.
Locate the comparable hybrid club. Each hybrid iron is labeled to show which standard iron the club replaces or the degrees of loft. A 4-hybrid, for example, is designed to replace a 4-iron. Typically, though, amateur golfers tend to hit the hybrid better -- and, therefore, farther -- than the iron it is designed to replace.
Test the hybrid club to see how far you'll hit the ball before you purchase the club. Borrow a friend's hybrid or go to a demo day at your golf club or local driving range, during which you can try out a clubs.


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The twinkling lights, peppermint mochas, and nonstop rotation of "All I Want for Christmas Is You" on the radio can mean only one thing: the holidays are here. And if the holidays are here, so is winter. Pretty soon, you'll need to have your puffiest coats, largest scarves, warmest gloves, and bulkiest boots on standby to deal with the elements. But where are you supposed to store all that heavy gear?
We've got you covered, with these unique storage solutions that will organize all your heaviest winter clothes, coats, boots, gloves, hats, and scarves—even if you're pressed for space. The best part? They're all perfect for a practical yet chic holiday gift.
- Pile Parkas onto the New York Closet Coat Rack
- Steal Southwest's Style with SkyART Service Trolleys
- Browse the Free Sky Market with AL.CARTS
- Stack Your Snow Boots on the Symple Stuff Six-Pair Boot Rack
- Hang Your Scarves, Hats, and Bags from Trippy Parallelogram Hooks
- Pack Puffy Vests on the Floyd Coat Rack
- Levitate Your Skis on the Bamboo Ski Rack
Pile Parkas onto the New York Closet Coat Rack
This Pottery Barn coat rack does not sacrifice function for style—even if the twisting stand and pewter-finished iron are pretty stylish. Thanks to the metal knobs that dot all three arms, you can stack several hangers of coats and sweaters close together. Plus, there are also shorter hooks underneath the arms for hanging your scarves and knit caps, so you get more hanging space here than with a traditional coat rack.
The rack is lightweight and requires minimal care, but that's not even the best part. It's currently marked down from its usual price of $229 to $183, so snatch it up before the temperatures drop below zero.
Steal Southwest's Style with SkyART Service Trolleys
Nothing sounds better to a bunch of airline passengers than the rumble of the flight attendants' snack carts. It's your key to free ginger ale, pretzels, and occasionally full-course meals. But what happens to those carts when their aviation careers are done?Simple: They go on sale at SkyART.
SkyART sells a variety of used half-size airline trolleys, as well as brand-new trolleys with customizable colors and drawers. While you could just repurpose one as your own personal bar cart—or even a filing cabinet—consider its potential for organizing your winter gear. It can store bulky sweaters, gloves, hats, and more. These service trolleys are ideal for your winter outerwear, since they're on wheels. When it's time to bundle up for cold weather, simply push the trolley out and unload your things. Come springtime, you can wheel it into a closet or corner, where all your bulky items will remain out of the way until winter returns.
Browse the Free Sky Market with AL.CARTS
SkyART isn't the only airline trolley game in town. Bucher Aerospace offers a similar product with its AL.CARTS, a line of aluminum (and recyclable!) carts based on the original Bucher in-flight models. Each cart is equipped with a pull handle, a brake system, a slam latch, and a full set of rubber casters to take it mobile. After you've selected one of 14 available colors, you can build your AL.CART to suit your needs.
The AL.BEAT interior, for instance, boasts seven wine racks. The AL.JOE, perfect for storing your winter wear, includes a stack of seven drawers. You can pile your mittens, scarves, hats, and earmuffs into each—with plenty of room to spare for your keys, wallet, and phone, too.
Stack Your Snow Boots on the Symple Stuff Six-Pair Boot Rack
It's easy enough to throw an infinity scarf into your dresser, or a parka onto a coat peg. But what about storage for your awkwardly tall winter boots? Let this vertical rack from Wayfair come to your rescue. Its staggered steel slots let you store up to six pairs of boots, no matter what types of boots you have.
The rack keeps your boots upright so they don't lose their shape. And unlike some other boot racks, the Symple Stuff rack doesn't take up a ton of space. It's roughly two feet tall and two feet wide, which makes it perfect for a corner right by your front door.
Hang Your Scarves, Hats, and Bags from Trippy Parallelogram Hooks
This "hook" might look more like an ordinary block of wood, but don't be fooled. Through just three strategic cuts, Umbra Shift turned a hunk of ashwood into a functional hook for your finest scarves, hats, and bags.
Although you can get the Parallelogram Hook in blue, charcoal, or "natural," the company recommends buying a few to emphasize the geometric illusion that's naturally created by the blocks' angles. Since one hook costs just $10, consider springing for three or even four!
Pack Puffy Vests on the Floyd Coat Rack
Think you can't squeeze a coat rack in your cramped apartment? This Floyd Coat Rack from West Elm is perfect for anyone who struggles to fit their clothes into small spaces. Your sweaters and coats go on the top powder-coated steel tube, which is expandable to 16 inches. The Floyd Coat Rack is easy to assemble and dissemble if you need to move it to another room. And if that's the case, you'll be glad that the rack comes with a free carrying bag.
Levitate Your Skis on the Bamboo Ski Rack
Skiing may be a winter activity, but that doesn't mean you have to shove your gear in the back of your closet until it starts snowing. This hand-crafted rack lets you display your skis year-round on your walls, where they won't take up valuable floor space.
It's made by Grassracks, a Pennsylvania-based Etsy shop that specializes in bamboo furniture and boards. It's also customizable, so you can choose the "Show-Off" (two arms), "Trip" (three arms), "Quad" (four arms), or "Pro" (five arms). Each one promises to be an easy installation job, no matter what kind of skis you're storing 'til slopes season.
What other stylish storage solutions have you used to store your winter coats, hats, and boots? Tell us in the comments below!
This guest post was written by MakeSpace, a full-service storage company that picks up, stores, and delivers your stuff so you never have to visit or weed through another dusty storage unit again.
Find today's best prices for your
home improvement project.


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This site allows you to search for allergy free restaurants. You can search for restaurants free of these common allergens: peanuts, tree nuts, dairy, eggs, wheat, gluten, fish, shellfish, sesame and soy.
This site allows you to search for allergy free restaurants. You can search for restaurants free of these common allergens: peanuts, tree nuts, dairy, eggs, wheat, gluten, fish, shellfish, sesame and soy.
Although this menu clearly states that they are unable to guarantee that any menu item can be completely free of allergens, it still may help you find suitable choices.
Bonefish has some salads, starters, grilled fish, and grilled specialties on their gluten-free menu.
Not a very large selection of gluten-free choices, but there are a few gf items to pick from while dining at Carrabba's.
Quite a few gf choices to choose from at Chick-fil-A.
I like that Chili's gf menu is updated monthly. This tells me they're checking their suppliers on a regular basis to maintain that the ingredients they use are allergen-free.
Chipotle will be the first American fast-food chain to label GMOs and their goal is to not have any. Has an allergen listing for their foods. Just wish they'd add corn as one of the allergens.
I haven't eaten here personally, but I've read on several gf forums that many have been pleased with the gf choices available at Jason's Deli.
Lots of gluten-free possibilities at Lone Star.
Another steakhouse with quite a few options for those following a gf diet.
Have heard many favorable reviews from those following a gf diet about eating at The Melting Pot.
Restaurants are continually updating their gluten-free menus. If a link is no longer working please let me know.
The Olive Garden is now serving gf pasta. The reviews are still a bit mixed regarding taste and the use of microwaves to prepare the dishes, but there are other options as well.
Another restaurant that updates their allergen-free menu monthly, which tells you they're trying to continually reaffirm that the ingredients they use are allergen-free.
One of our favorite restaurants. Even with all our food intolerances we can eat here.
Database identifying menu items containing wheat and gluten, soy, milk, eggs, fish, shellfish, nuts, corn, sulfites, sesame and legumes.
Pf Chang's is continually adding more items to their gf menu and they can also accommodate many other allergens as well.
Although there is a huge warning at the top of their menu, they still have quite a few gluten free options. And this is one of the restaurants my daughter eats at most often.
Ted's Montana Grill has been named "Best Gluten-Free Restaurant Chain" in the 2012 About.com Gluten-Free Readers' Choice Awards.
Allergen data base identifying menu items containing wheat, soy, milk, eggs, nuts or gluten.
Scroll down and click on the link to be taken to the page listing menu options for those with sensitivities, intolerances or allergies to wheat/gluten, eggs, peanuts, tree nuts, dairy and soy.
Ruby Tuesday has an allergen/sensitivity guide identifying egg, fish, gluten and wheat, milk, msg, nuts, shellfish and soy in their menu items.
Serves gluten-free pizza, steak and chicken entrees as well as several other items on their gluten-free menu.


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Lancashire 301 for 4 (Prince 102, Petersen 82) beat Hampshire 272 (Wheater 111, Adams 53, Dawson 52, Jarvis 3-46) by 29 runs
Ashwell Prince equalled his highest List A score for Lancashire as the Red Rose boosted their Royal London Cup quarter-final hopes with a 29-run victory over Hampshire at the Rose Bowl.
Opener Prince notched 102 to set up victory after putting on a record second-wicket stand with Alviro Petersen for the visitors.
Adam Wheater gave hope to Hampshire to chase the 302 needed to win as he struck a century but they were bowled out for 272 as Lancashire clinched victory.
Lancashire batted well within their comfort zone for much of their target setting after winning the toss and batting - with openers Prince and Karl Brown putting on 50 for the first wicket in 71 balls.
Brown was the first to depart, leg before attempting to sweep Liam Dawson for 40 off 53. Prince reached his half-century from 65 balls before his compatriot Petersen joined him at the milestone in 48 deliveries - the latter's including an impressive six charging Yasir Arafat.
The visitors continued at their sedate but effective four-and-a-half runs an over, with Prince completing his 35th List A century in 111 balls. But two deliveries later he teed a catch up to Jimmy Adams on the square leg boundary ending the record-breaking stand on 147.
The away side then lost two more wickets at 20 run intervals - Petersen ending his highest score for the county of 82 by slashing to Mason Crane at point and skipper Steven Croft, after a quickfire 25, picked out James Vince on the long-on rope.
James Faulkner and Alex Davies then upped the run rate in spectacular style adding 36 in 16 balls with the latter ending the innings with a six over midwicket.
Michael Carberry creamed a cover drive off Arron Lilley in the fifth over of the chase but the very next ball he slogged into the hands of long-on. Adams and Wheater overcame their early set back by amassing a 50 partnership before the wicketkeeper launched a six over long-on off Stephen Parry.
Meanwhile, Adams followed up a club cricket ton on Saturday with a 56-ball 50 filled with type of form which had deserted him this season.
Five balls later Wheater joined his former captain in the 50 club in exactly the same amount of balls before the pair celebrated a three-figure partnership.
But after the glove bashing ended, Adams was wonderfully caught by Brown over his head in the square leg outfield when he sweetly pulled for a shot destined for six.
Wheater survived two stumped chances from his counterpart when on 35 and 50. T20 Blast hero Vince only added 7 before he found his off stump knocked back by Faulkner and Ervine - after a speedy 37 stand with Wheater - mistimed a drive to Brown at deep extra cover.
Wheater brought up his second format ton with a sublime back foot punch for his first six of the night which was scored in 104 balls. But he departed after only adding 11 to his three figures as he hoicked Parry to Faulkner in the deep before Simon Kerrigan nonchalantly caught Will Smith at deep midwicket.
Dawson pounced with a speedy half-century - from 46 balls - before Wood was stumped and Dawson and Crane were bowled. Hampshire were bowled out with five balls to spare, when Fidel Edwards lofted down the ground


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According to the discoverers, the new Ethiopian hominid fossils, named Australopithecus garhi, help fill a serious void in the east African record of human origins that spans a duration of between 2 and 3 million years ago. This void has made it impossible to settle scientifically the relationship between the 1.8-million-year-old Homo habilis and earlier ape-like Australopithecus africanus.
Increasingly, the focus on African early hominid fossil wealth has centered on Ethiopian sites in contrast to the last few decades' focus on better-known productive sites in Tanzania, Kenya and elsewhere. "With the publication of these new results, and with a record spanning five million years, Ethiopia's Middle Awash has become the world's most important single site for studying human origins and evolution," said White.
The research in the Middle Awash area is supported mainly by the National Science Foundation. Additional support comes from the Institute of Geophysics and Planetary Physics of the University of California's Los Alamos National Laboratory and several other institutions mentioned in the published Science articles. The international research team includes archaeologists, geologists and paleontologists from diverse institutions in 13 countries.
Contact: K. Lee Herring
National Science Foundation


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Moscow Business Forum and Rosswift AGM bring together over 400 participants under the theme "Innovating today for a stronger future"
The seventh SWIFT Business Forum in Moscow took place at the Lotte Hotel on 12 April 2016. Organised for the third year running in conjunction with the ROSSWIFT (Russian national SWIFT member and user group) Annual General Meeting (AGM), the event attracted over 400 delegates, a turnout that clearly reflected Russia's position as SWIFT's second largest user community.
The busy agenda for the day kicked off with welcome remarks by Matthieu de Heering, Head of Russia, CIS and Mongolia, SWIFT and Natalia Dirks, Chairperson of the Rosswift Steering Committee. De Heering started off by paying tribute to the successful work in the past year of Rosswift distributing the KYC Registry in Russia, with the endorsement of the Bank of Russia. As a result, Russia is today one of the leading countries in the adoption of the Registry, with over 70 very active participants. Another achievement of the Russian SWIFT community in the last year has been the registration and publication of new ISO 20022 messages on currency control. Lastly, de Heering talked about the Innotribe Startup Challenge. Launched in 2011, the Challenge has become one of the leading global startup competitions, connecting the financial services industry with more than 650 FinTech startups around the world and reaching over 4,000 audience members through global showcases and networking events. The Startup Challenge has evolved over time and now supports emerging FinTech ecosystems, moving from a global competition to a multi-local programme supporting innovation where demographic trends, economic growth and regional integration projects are creating fertile ground for new technologies to emerge. In recognition of the vibrant FinTech environment in Russia, de Heering announced: "I am delighted to announce that SWIFT will run an Innotribe Start-up Challenge in Russia in 2017!" Finally, he thanked the event's sponsors, Fiserv and FTC (ЦФТ), as well as Alliance Factors, SWIFT's business partner in Russia, CIS and Mongolia.
I am delighted to announce that SWIFT will run an Innotribe Start-up Challenge in Russia in 2017!
Taking over from de Heering, Natalia Dirks welcomed the audience on behalf of the Rosswift steering committee to an event that she said has become not only a tradition but also a fixture in the Russian financial industry calendar. She proceeded to introduce the members of the praesidium - Alla Bakina, Head of Payment System Department, Central Bank of Russian Federation; Eddie Astanin, Chairman of the Executive Board, National Settlement Depository and SWIFT Board Member; Anatoliy Aksakov, Deputy head of Duma financial markets committee, The State Duma and Roman Chernov, Executive director, ROSSWIFT – before handing over to Gottfried Leibbrandt, Chief Executive Officer, SWIFT for his CEO update.
Focus on the core, prepare for the future
Leibbrandt opened his speech saying what a pleasure it was to be back in Moscow and at the 4th Moscow Business Forum in his role as CEO of SWFT. He then paid tribute to the great relationship between SWIFT and the Russian financial community, before going on to give a brief overview of SWIFT's performance in 2015, which, he said, was a very good year in which the cooperative did well along the 3 key dimensions of usage, operational excellence and renewal. He also stated that the company had done well on the pick-up of new services such as Compliance services, Business Intelligence and SWIFTRef. He thanked the Russian community for its support in this area, with particular reference to The KYC Registry adoption rates. Moving on to the future, he defined the SWIFT 2020 strategy a "sound strategy" and expressed his confidence that SWIFT can execute and deliver on what is set out therein. He did, however, clarify that it would not be without challenges and explained that cyber threats, geopolitics and disruptive innovation are all things that keep him awake at night and that we all have to contend with. One area where this is clearly visible is the payments markets. Using research that shows the state of play in both domestic payments and international payments, he went on show how various different segments – high value payments, cards, cheques and ACH payments - have evolved over time and how, despite volumes increasing, the average value of transactions going across any given system has not changed in any significant way over time. "The successful new entrants thus far have exploited the gaps in the segmentation," he said, "and haven't tried a one size fits all approach." What this means, he proposed, is that design becomes much easier if you are clear about the segment you are serving. "Innovation has to be targeted, one size does not fit all," he stated. "That doesn't mean that what works for a segment today isn't unchallengeable," he continued, "all of the segments are challengeable – and a lot of effort and money is going into disrupting each of them."
Innovation has to be targeted, one size does not fit all. That doesn't mean that what works for a segment today isn't unchallengeable. All of the segments are challengeable – and a lot of effort and money is going into disrupting each of them.
SWIFT is already taking actions in some areas to address this and is active in real-time payments with the Australia New Payments Platform. Another area that it is addressing is that of correspondent banking, with the global payments innovation initiative, a project that aims to transform existing practices in correspondent banking and marks an important step towards banks being able to deliver of cross-border payment services with greater speed, transparency and predictability to their corporate customers. Drawing his speech to a close, he assured delegates that the years to come will certainly not be dull, but that SWIFT's main focus will of course remain the efficient running of its core business, for the benefit of the community.
Rosswift Annual General Meeting
Upon conclusion of the SWIFT CEO update from Leibbrandt, Dirks officially opened the Rosswift AGM. Alla Bakina delivered an update from the Bank of Russia in which she stressed that "International standards are of critical importance." She also stated that the Bank of Russia has launched a working group to look at new trends and technologies and the activities and solutions of leading start-ups, and assess how new technologies, blockchain in particular, can be used to improve the quality and accessibility to the financial market. The new Rosswift charter was presented by a representative of Rosswift's Executive Committee, who encouraged members to read the 123 page document very carefully as it sets out all aspects of the Rosswift organisation in detail. Next on stage was Eddie Astanin, who one year from his election as the Russian representative on the SWIFT board, gave some insights into the functioning of the board and of SWIFT in general. He stated that there are great benefits for Russia in being directly involved in the SWIFT governance process, which gives it first-hand access to information and a closer collaboration with the cooperative and its executives. The direct dialogue that results from his, he explained, has helped to deal with geopolitical tensions and political risks and led to a current situation that both the Bank of Russia and SWIFT are comfortable with. Astanin went on to explain that the activities of Innotribe, the SWIFT Institute and the FinTech world are debated widely within SWIFT and on the SWIFT board, and there are many synergies, as well as direct communication on such current topics. "I am very impressed with the work of the SWIFT board and with how effective it is. It is impressive in its logistics, in the way in which information is disseminated and in the levels of professionalism with which its activities are conducted. It is great that our community is now a part of it and that we have direct communications with SWIFT management and the SWIFT community. I think there is real value in this collaboration," he concluded.
International standards are of critical importance.
I am very impressed with the work of the SWIFT board and with how effective it is. I think there is real value in this collaboration.
Last to present in the Rosswift AGM was Roman Chernov, whose mandate was confirmed as Executive Director of Rosswift and who presented the Rosswift 2020 concept paper, the 5 year plan for the Russian SWIFT community that goes hand-in-hand with the SWIFT 2020 strategy. "In the next five years, Russia will consolidate its move from a 'SWIFT consumption model' to a model of shared experience," he stated, explaining Russia's ambition to play a greater role in how SWIFT standards, products and services are shaped, rather than just using them when they come to market. What Rosswift has done, he explained, is take the key elements of the SWIFT 2020 strategy, select what is relevant for Russian users and then describe each of these areas in detail, giving a proposed plan for the Russian community.
In the next five years, Russia will consolidate its move from a 'SWIFT consumption model' to a model of shared experience.
SWIFT Traffic and Pricing update
Next on the agenda was an update on SWIFT traffic and pricing by Andre Boico, Director, Pricing, SWIFT. Boico started by running though some key figures for Russia's traffic on SWIFT: 251+ thousand FIN messages per day (YTD Feb 2016), 70+ million FIN messages per year (2015), 84% Payments traffic in total FIN traffic (YTD Feb 2016), 10% Securities traffic in total FIN traffic (YTD Feb 2016) and 4000+ FileAct Live Traffic in Kchar per day (YTD Feb 2016). Looking at global SWIFT traffic, Boico explained that year to date growth for payments stands at 4.7%, which is good but slightly below forecasts and reflects a minor slowdown in the global economy. On the securities front, despite representing only 10% of its total FIN traffic on SWIFT, Russian securities traffic is performing better than average and has seen a very good start to the year. This securities FIN traffic growth comes on top of a backdrop of negative overall growth in traffic in Russia, due to macroeconomic factors and other reasons. Beyond the world of FIN, both InterAct and FileAct are both growing very fast, albeit from a low starting point, with growth rates in excess of 30%, which represents a major development.
Community deals are not done often. We only propose them when we see a big need and great potential.
Moving on to speak about pricing, Boico stated that as part of the SWIFT 2020 strategy, the cooperative has committed to price cuts of 30-50% over 5 years. This comes on top of the 57% cut that was achieved in the 5 year period from 2010 to 2015. In the specific case of Russia, over the period 2006 – 2015, traffic increased by 420%, whilst the countrywide total messaging fees paid stayed almost flat. In the last section of his presentation, Boico announced and explained a community pricing deal for Russia that aims to boost Russian domestic traffic on SWIFT and provide cash flow predictability by giving the community access to a whole new price grid if it grows traffic by 30% over a 12 month period. "Community deals are not done often. We only propose them when we see a big need and great potential," stated Boico, commenting on the proposal. Alexey Maslov, the SWIFT User Group Chairperson for Russia, accepted the proposal on behalf of the Russian SWIFT community and thanked SWIFT and the banks involved in the proposal building process for their hard work.
Facing the compliance challenge
Compliance was up next, with a panel discussion on challenges and solutions in anti-money-laundering and combatting. To discuss the topic were Andrey Emelin, Chairman, NCFM, Larisa Zalomikhina, Head of Compliance, Sberbank, Maria Shalimova, Head of AFC, Deutsche Bank Moscow, and Julien Laurent, Head of Compliance Solutions, Financial Crime Unit, SWIFT, who moderated the session. Talking about SWIFT's KYC Registry, Shalimova stated that Deutsche Bank uses the Registry in 62 countries and finds it a very useful tool, especially given that transparency is one of the key requirements that is being addressed nowadays. Emelin explained that in some instances it is a still a struggle to get access to what is essentially very basic information and that significant improvements are required in this area, in particular when it comes to the information flows with some government agencies. Movement in that direction, he said, will be beneficial to the community and improve efficiency. Furthermore, compliance with international standards and may even go beyond, given the extent of what the government information system can actually offer.
SWIFT's KYC Registry allows a bank to access information declared by financial institutions by their own initiative which would otherwise not be accessible, so this represents a great advantage
Asked by Laurent whether SWIFT should be providing more information for local jurisdictions, Shalimova replied that it would indeed be very useful if the Registry could be made more local and allow for local specifications in addition to complying with international standards. Emelin raised the issue of the collection of certified documents which is, he stated "a painful process." Despite some steps having been taken recently to address this, progress is slow, he explained, and all reforms to existing practices need to be addressed within the legal framework, which takes time. "We are making every effort in expert groups and sub-groups to improve matters," he said. "Draft laws are one aspect but it's a permanent process that takes time, effort and active involvement." Taking over from Emelin, Zalomikhina stated that "SWIFT's KYC Registry allows a bank to access information declared by financial institutions by their own initiative which would otherwise not be accessible, so this represents a great advantage." Furthermore, this approach is in accordance with the standard proposed by the OECD. Closing with comments on next steps, Shalimova proposed that the next step is the risk-based approach, after which comes the outcomes-based approach and a move from being reactive to proactive, a journey on which SWIFT clearly has the experience to accompany the community.
The future of the Russian payments system
Resuming after lunch, the audience split into two groups for an update on either the payments market or the securities market. The payments session saw Alexey Maslov, SWIFT UGCP in Russia and Deputy head of JCB Eurasia joined on stage by Oleg Perestenko, Deputy head of payments system department, Central Bank of Russian Federation and Larisa Milovskaya, Head of Settlement, B&N Bank. Perestenko gave a comprehensive overview of the development of the current and future payment system of the Bank of Russia, explaining that whilst the current payment system is still developing to address the needs of the industry, "the prospective payment system of the Bank of Russia, based on ISO 20022, will be launched in 2018." The initial pool of banks to start the migration will be created in Q4, 2017 and the documentation will be ready in Q4, 2017, he explained. "Switching to technologies of the future will give maintained efficiency and resilience and ensure the synchronisation of urgent and non-urgent services working real-time, 24/7," he stated.
The prospective payment system of the Bank of Russia, based on ISO 20022, will be launched in 2018.
Milovskaya started her presentation by running through the trends that can currently be observed in the market: stagnation of the Russian economy and a consequent decline in industry and the banking sector; restriction to access to long-term sources of funding, leading to a liquidity shortage; some credit institution licenses revoked; struggles for new niches; decreasing profit margins; impact of regulatory actions and the new Basel agreement; high exchange rates and stricter regulation in retail lending and banking operations. In this context, she said, banks should adjust their strategies and banking models and seek out new customers rather than trying to enter new areas of activity, consider consolidation to ensure that Russia's banks become more universal, cover more markets, more customers, invest in new technologies, improve the quality of their services and reduce costs. In the area of cost management, she set out a series of options, including outsourcing, the centralisation of functions such as settlement, correspondent accounts and data management and improved liquidity management. "I applaud the successful cooperation between SWIFT and ROSSWIFT and the commitment of both to help banks lower costs and increase efficiency," said Milovskaya, bringing the session to an end.
I applaud the successful cooperation between SWIFT and ROSSWIFT and the commitment of both to help banks lower costs and increase efficiency.
A new age for corporate actions
The securities update was given by Sergey Putyatinskiy, CIO, National Settlement Depository and Olya Petrova, Head Product Management, Direct Custody and Clearing, Citi Moscow, in a session moderated by de Heering. The main topic up for discussion was NSD's Corporate Actions (CA) Reform programme, which started in 2014 and is still on track to conclude at the end of 2017. With CA announcements on ISO 20022 already a reality at NSD, the next steps are digitising the entire CA business process, Putyatinskiy reported. Talking about the ambitious timeline for the reform, he said that DTCC were impressed when they shared their implementation timeline with them. On the matter of the use of SWIFT as a channel, Putyatinskiy explained that whilst all messages are currently not on SWIFT, "SWIFT is the only planned STP channel as NSD moves away from Luch. We are happy with the close collaboration with SWIFT and its Standards department on what is ISO-mappable, with or without change requests, and what isn't and never will be," he added.
SWIFT is the only planned STP channel as NSD moves away from Luch. We are also very happy with the close collaboration with SWIFT and its Standards department on what is ISO-mappable, and what isn't and never will be.
The extent of the programme's importance for market participants was confirmed by Petrova, who said that the project is the major development programme for Citi Moscow in securities, just like it is for NSD. Paying tribute to the objectives of the programme, she concluded the discussion by saying that "the real measure of NSD's CA reform programme's success is that it makes life simpler for everyone along the chain, especially the end investor."
Fintech and innovation: From disruption to real world change
Expectations are high but a reality check and maturity are needed, as well as clear business use cases and concrete benefits.
Last but certainly not least, was a session on innovation and developments in financial technology. To evaluate the impact of both on the future of our industry were and the discuss the topic were Ekaterina Frolovicheva, Innovation block, Sberbank, Vadim Kotov, Chief Technology Officer (CTO), CIB, Sberbank, Artem Duvanov, Chief Architect, NSD, Stanley Wachs, Senior Manager Global Payment Innovation, SWIFT and Damien Vanderveken, Head of SWIFT R&D, SWIFT. Wachs opened with some key figures about the levels of investment in fintech, which have gone from USD 3bn in 2013 to USD 12bn in 2015. He explained that in this environment, we cannot stand still and we need to evolve and innovate as a community. SWIFT is already active in real-time payments and in the correspondent banking area, where it has launched the Global Payments Innovation initiative (gpii). As explained earlier in the day by Leibbrandt, the gpii aims to address the current service level issues in this area and dramatically improve the customer experience in cross-border payments. To date, 52 banks have signed up for the initiative, representing 70% of cross-border payments traffic on SWIFT. Amongst these is Sberbank. The pilot phase is scheduled for 2016, with early result expected by Sibos Geneva. The objective is to show that the financial industry can be agile and respond quickly to the challenges that it faces, all whilst exploring further long-term changes, such as the use of new technologies.
We like how the gpii project is being run, and look forward to the opportunity to influence and exchange knowledge with other banks.
Following Wachs' presentation on gpii, Vanderveken gave the results of SWIFT's research on and assessment of blockchain, or distributed ledger technology (DLT) as it currently stands. He explained that the technology was originally developed for a customer-to-customer or business-to-customer environment, rather than for business-to-business. In order for it to be made relevant and useful for the financial industry, it will be necessary to institute an administrative role and define the rules of the game. Having given a factual assessment of all of the challenges, he said that a lot of effort will have to go into solving them, but that the technology does offer some clear opportunities, such as traceability, information propagation and the potential for application beyond payments. Summarising SWIFT's position, he stated that the technology has a lot of potential, can and probably will have applications in the financial industry but is not yet mature. "Expectations are high but a reality check and maturity are needed, as well as clear business use cases and concrete benefits," he concluded.
Proxy voting is a use case where blockchain really generates value.
In the panel discussion that followed, Kotov stated that whilst all of the DLT talk is terribly exciting, he is of the view that the financial industry should focus on use cases. On gpii, speaking on behalf of Sberbank and explaining why they have joined the initiative, he said: "We like how the project is being run, and look forward to the opportunity to influence and exchange knowledge with other banks." Duvanov gave some very interesting insights into the work that NSD has been doing with DLT: a proof of concept prototype that the CSD has already completed for proxy voting, using ISO 20022 formats reviewed by SWIFT. "Proxy voting is a use case where blockchain really generates value," he said, before going on to explain that whilst they already have plans to look at other use cases and work with the Bank of Russia on some of these, they don't expect to see any serious implementations on blockchain for at least another two years. Frolovicheva agreed with this position, explaining that in her view it will probably be 3 to 5 years before we see wide adoption and that in the meanwhile, what we are likely to see are 20-40 early adopters, probably using private DLTs but with no interoperability with others. In her final remarks, she went on to say that each bank needs to find a way to advance with fintech. The models vary and there is no single universal recipe. For Sberbank, partnerships work well, alongside investments, investment in internal labs and a top-down mandate to look at future technology whilst running current systems. "If you aren't already doing it, you should really get it on your agenda in the next 12 months or so, or someone else will eat your piece of the pie," she said to the audience. Kotov expressed the view that at some point the competition and collaboration between the fintech companies and the banks will develop into more of a fight and both must change. "Banks need to become more flexible and more hungry, whilst fintech companies will need to become more like banks to survive," he said, "because at some point regulators will intervene, customers will have to be acquired and processes will have to be implemented. Closing the session, Duvanov used the example of Apple and the advent of the iPhone to explain that new technologies never do what current technologies do. "DLT enables us to do things that we didn't do before. Look at the iPhone. It catered for a need that we didn't even know we had. This is what we do on a routine basis, this is the essence of our business," he stated.
In summary…
Summing up the day, Christian Kothe, Head of Central and Eastern Europe, SWIFT, commented on the great turnout for the event and the high number of people still present at the end of the day. On fintech and innovation, his message to the audience was "no ignorance please." "Companies that don't take competitive developments seriously go out of business or struggle to survive," he went on to say. "There is strong engagement of the Russian community with Rosswift, its user groups and SWIFT. I really encouraged banks to read Rosswift's 2020 concept paper carefully: everyone has to contribute for everyone to benefit," he then said, praising the interaction between the Russian community and SWIFT. On the pricing proposal presented by Boico earlier in the day, he urged the Russian community to embrace the effort made by SWIFT to help Russian banks foster and leverage their SWIFT connection more. "Everyone has to contribute for everyone to benefit," he said. Kothe closed the forum by reiterating SWIFT's commitment to the Russian market and thanking the delegates for their participation and dedication.
There is strong engagement of the Russian community with Rosswift, its user groups and SWIFT. I really encouraged banks to read Rosswift's 2020 concept paper carefully: everyone has to contribute for everyone to benefit.
If you have any questions on the topics covered in this article, please contact the SWIFT Moscow office: firstname.lastname@example.com.


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Bicycle / Pedestrian v. Car Collisions
In Georgia, every year there are more than 130 pedestrian fatalities due to traveling on or near a roadway. It takes an attorney who is knowledgeable, not only in Georgia vehicle law, but also, Georgia pedestrian law to properly evaluate this type of legal matter and protect our clients from the insurance companies.
In collision matters that take the life or seriously injure a pedestrian, the insurance company and their attorneys first goal is to find ways to blame the pedestrian. Georgia law places responsibility on both the driver and pedestrian to avoid a collision. For the driver, Georgia law requires that, "every driver of a vehicle shall exercise due care to avoid colliding with any pedestrian upon any roadway, shall give warning by sounding his horn when necessary, and shall exercise proper precautions upon observing any child or any obviously confused, incapacitated, or intoxicated person." OCGA 40-6-93 Even with this law, the insurance company and defense attorneys will look at the scene and the facts surrounding the collision and do everything in their power to attempt to show the pedestrian violated a law or did not protect himself or herself.
It is important for pedestrians to know all their rights and duties in Georgia. This can be found in the Official Code of Georgia at Title 40 Chapter 6 Article 5. (OCGA 40-6-90 is the first section of Article 5).
There are specific laws for when a pedestrian is traveling along the road. You can see the exact language of the law, OCGA 40-6-96, at the bottom of this webpage. First, a pedestrian must use a sidewalk if there is one present. If there is no sidewalk, you must travel on the shoulder of the road as far from the edge of the road as you are able to do. If there is no sidewalk or shoulder, you must travel as near as you are able to the outside edge of the road, and you must travel AGAINST TRAFFIC on the left hand side of the road. Please see the code section at the bottom of this page for full details.
Under Georgia law, a driver of a vehicle must stop for a pedestrian in a crosswalk. However, pedestrians in a crosswalk need to protect themselves and avoid vehicles. If a pedestrian is in a crosswalk, sees a vehicle and does nothing to avoid the vehicle, their legal case will be very difficult. If a pedestrian is not traveling in a crosswalk, they must "yield the right of way to all vehicles upon the roadway unless he has already, and under safe conditions, entered the roadway. OCGA 40-6-92.
When a pedestrian is crossing the street in a location that is controlled by a pedestrian control device, a pedestrian must follow the device. If a pedestrian is traveling the road when the device shows red or is stating the person should not travel, most likely they will not have a case against the driver. And, if the pedestrian control device is green or says walk, a pedestrian still must use caution and do everything they can to protect themselves.
In 2013, in the United States, over 900 bicyclists were killed and there were an estimated 494,000 related injuries resulting in emergency room visits. It is estimated by the Center of Disease Control and Prevention that in a single year non-fatal crash-related injuries to bicyclists resulted in lifetime medical costs and productivity losses of $10,000,000,000. It takes an attorney who is knowledgeable, not only in Georgia vehicle law, but also, Georgia bicycle law to properly evaluate this type of legal matter and protect our clients.
In Georgia, a bicycle is legally a "vehicle". This means that a person riding a bicycle on the road must follow the same traffic laws that a car must follow, except for some laws that make specific qualifications for specific classes. A bicycle must follow all traffic laws that apply to a "vehicle", but may not apply when the term "motor vehicle." When the term "bicycle" is used, only bicycles and their operators must follow those laws. Last, to fully understand the Georgia Code a person must understand the distinctions between a "vehicle", "non-motorized vehicle" and "bicycle".
§ 40-6-96. Pedestrians on or along roadway
(a) As used in this Code section, the term "pedestrian" means any person afoot and shall include, without limitation, persons standing, walking, jogging, running, or otherwise on foot.
(b) Where a sidewalk is provided, it shall be unlawful for any pedestrian to stand or stride along and upon an adjacent roadway unless there is no motor vehicle traveling within 1,000 feet of such pedestrian on such roadway or the available sidewalk presents an imminent threat of bodily injury to such pedestrian.
(c) Where a sidewalk is not provided but a shoulder is available, any pedestrian standing or striding along and upon a highway shall stand or stride only on the shoulder, as far as practicable from the edge of the roadway.
(d) Where neither a sidewalk nor a shoulder is available, any pedestrian standing or striding along and upon a highway shall stand or stride as near as practicable to an outside edge of the roadway, and, if on a two-lane roadway, shall stand or stride only on the left side of the roadway.
(e) Except as otherwise provided in this chapter, any pedestrian upon a roadway shall yield the right of way to all vehicles upon the roadway.
(f) No pedestrian shall enter or remain upon any bridge or approach thereto beyond the bridge signal, gate, or barrier after a bridge operation signal indication has been given.
(g) No pedestrian shall pass through, around, over, or under any crossing gate or barrier at a railroad grade crossing or bridge while such gate or barrier is closed or is being opened or closed.


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'Tweet Like Dame Dash' Hashtag Erupts on Twitter
Former Roc-A-Fella Records head honcho Damon Dash made quite a stir over the past week for a few interesting thoughts he shared during his interview on Power 105.1's The Breakfast Club. There to promote his latest foray into film, Loisaidas, Dame decided to throw a few verbal jabs at hosts DJ Envy and Charlemagne tha God, go on a tirade about what it means to be a boss and popularize the phrase "chatty patty."
The interview has been the talk of social media for the past week and sparked plenty of debate and dialogue, but the discussion took a turn when the "Tweet Like Dame Dash" hashtag erupted on Twitter. Users on the social media network proceeded to flood timelines with hilarious tweets that poked fun about his thoughts on the working class. Many include references to the more outrageous quotes from his sit-down like, "Jobs are for lazy people who don't want to invest in themselves."
One tweeter joked, "Real men don't wear Nikes. Why would I let another man put me in check? I'm from Harlem we put s--- in check. #TweetLikeDameDash." Another referenced what some consider Dame's twisted sense of logic: "Best Man? How you let another man be better than you at your own wedding? In front of your son? And wife! #TweetLikeDameDash."
If those digs give you a chuckle, be ready to catch a bellyache when you take a look at the funniest #TweetLikeDameDash posts we could find below.
See 20 Words That Mean Something Completely Different in Hip-Hop


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Media Release
Queensland will throw down the welcome mat for the nation's multicultural affairs ministers and host a ministerial forum for multicultural affairs in 2020.
Multicultural Affairs Minister Stirling Hinchliffe announced the move via video today at the Federation of Ethnic Communities' Councils of Australia (FECCA) biennial conference being held in Hobart.
"Today I'm proud to announce that in 2020 Brisbane will host the first national ministerial forum for multicultural affairs in almost 10 years," Mr Hinchliffe said.
"I know this is something FECCA has wanted for a long time and now the Palaszczuk Government is going to deliver.
"This means that for the first time in a long time my ministerial colleagues will gather to discuss the nation's most pressing multicultural issues.
"We know we have much in common in this arena, and we need a forum where we can come together and talk.
"This will create an opportunity for us all to create a national approach to these issues.
"It also means that organisation's such as FECCA will have access to the men and women making policy decisions that will have a direct impact on all Australians but particularly those who are from culturally and linguistically diverse backgrounds.
"We'll be able to share ideas, compare experiences and advocate for improvements."
FECCA chair Mary Patetsos congratulated the Palaszczuk Government for taking leadership on the forum.
"FECCA believes that a collaborative approach to multicultural issues would assist in the development of effective and coherent national policies," she said.
"This forum has the potential to help bring Australia's diverse communities closer together to the benefit of all Australians."


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Defender Ben Gibson has signed a new five-year deal with Middlesbrough, the Championship side have announced.
The 24-year-old progressed through the youth ranks at the Riverside Stadium club and has spent time on loan at Plymouth, York and Tranmere.
"We're delighted to announce that Ben Gibson has signed a new five-year contract with the club," Middlesbrough said in a statement on the club's official website.
"Having been with Boro since the age of 10, and risen through the ranks of the Academy through to the first team, the 24-year-old has put pen to paper on a new deal that runs to 2022."
Gibson, who has represented England at age-group level and played for England under-21s, said: "I'm delighted to sign a new contract.
"I've been lucky enough to go on and play for the club, and even captain the team, and I've had some amazing experiences here."


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BTS, an acronym of Bangtan Sonyeondan or "Beyond the Scene", is a seven-member South Korean boy band under Big Hit Entertainment. Debuting in 2013 with their single album, "2 Cool 4 Skool", the group, consisting of members RM, Jin, Suga, J-Hope, Jimin, V, and Jungkook, has gained a steady following, both domestically and internationally, capturing the heart of their fans with their authentic music, social conscious, and stellar performances. Breaking several records and winning numerous awards, with their chart-topping songs and sold-out shows, BTS has become a global icon. In 2018, "Time" magazine named them one of the 25 most influential people on the internet, while "Forbes" Korea Power Celebrity named them one of the most influential celebrities of Korea. In 2019 the group was named one of "Time 100"'s most influential people.
- Born
- Jun 13, 2013 (age 7)
- Star Sign
- Gemini
- Group
- Social Media
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I'm grateful and excited to report that there's been a surge of interest in my book, What Would Jesus Post?, over the past few weeks. Some examples:
- On Saturday, February 8, from 12-2 pm I'll be doing my first book signing at Horizon Bookstore in Traverse City, MI.
- Christian Digital Publishers, Inc., Insight Ministries and Review & Herald Publishing Association plan to run articles about the book.
- Toginet Radio's Indie Book Publishing with Steve Jorgensen podcast posted an interview with me about the book.
- On Sunday, March 16, I'll be a guest on the Nashville talk radio show "What's the 411?" with Sharon Kay.
- On Monday, March 17, I'll be a guest on the 9AM LIVE REAL LIFE! program on Cornerstone TeleVision in Pittsburgh.
Plenty more is also in the works — including a radio interview and promotion in Minnesota, a book giveaway via Goodreads and more.
All of this confirms for me that God led me to write the book for a reason. There's a real need for conversation about how Christians can exercise Biblical wisdom in their online interactions. I'm just happy to be able to contribute to those conversations.
To God be the glory!


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Within the occasion that you've got a storage room located beside you little washroom, contemplate making a bathroom passageway and slicing off the present entryway. Relying the place you installations are discovered, you could possibly introduce a sliding mirror entryway, which certainly, consists of the deception of extra space. In including a restroom entry to your storeroom you might have made extra respiration room.
You may elevate the roof on the off probability that you just reside in a solitary storage facility (or the rest room is discovered upstairs). Transfer up into the loft to twofold examine there are not any important items to maneuver or a divider shouldn't be a heap bearing divider. Assuming with no fear on the earth, you could possibly make a better roof by expelling the primary roof (sheetrock and wooden studs) and elevating the roof as much as inside the rooftop.
When you are grinding away, contemplate together with a daylight. Regular lighting expands the vibe and look of any room. On the off probability that you've got a window in your restroom, contemplate taking out the window and placing in a bit of inlet window. They've some that incorporate a seat by the window and others, the place you'll be able to place crops in.
On the off probability that one among your toilet dividers are located on an outdoor divider, you could possibly take away the divider and introduce a solitary entryway or perhaps a little French entryway. This new entryway would take you exterior. Embody the surface with a bit of safety fence, put down venturing stones and plant a backyard. On the level when the local weather is appropriate, you could possibly even open up the methods to present pure air entry or enterprise into your smaller than ordinary backyard vary. Be sure that to introduce an outdoor entryway (local weather affirmation) and make sure the entryway opens outward.
Buy and introduce one other shorter tub that can spare house. Tub makers nonetheless make quick tubs that match within the nook. Often, these tubs are extra profound, so regardless of every part you'll have the capability to splash away these hurting muscle tissues. A couple of properties are taking out the whirlpool and introducing paw foot tubs. These tubs as nicely, come in additional profound and shorter kinds.


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Maine Snowflake Earrings
Regular price $690.00
Modeled after a piece that will be featured in our permanent exhibits, these snowflakes were designed exclusively for the MMGM by world renowned jewelry designer Paula Crevoshay. Paula has been designing jewelry for over 30 years and has pieces in several Museums.
Featured in this pair of earrings are 3 mm green tourmalines that weigh .20 ctw. It was mined at the Dunton Mine in Newry, ME from 1972-1974 by the Plumbago Mining Corporation. The earrings are sterling silver.
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Redlands > Technical Assistance
Redlands has a service division specialized in the technical service of liquid handling equipment, such as loading arms, swivel joints, positive displacement meters and others, offering the best we have in innovative solutions in the market to its customers, in what refers to Correction and Preventive Maintenance Service.
With over 18 years of experience in this segment, the company counts on its highly qualified and experienced maintenance technicians. Redlands' service division is always available for immediate action replying to clients' urgent calls, thus minimizing clients down time and the associated costs.