text:
Sharjah turns to the debt market to raise investment capital
The government of Sharjah is tapping the debt markets to help fund large-scale infrastructure and economic development programmes. On March 8 the emirate closed the book on a dollar-denominated sukuk, valued at $1bn. The 10-year bond was listed on the NASDAQ Dubai with an initial price of 150 basis points over the 10-year mid-swap rate, which then tightened to 135 basis points. Demand was high and the bond was oversubscribed, at around $2.4bn. Book runners were local, regional and global lenders, including the Sharjah Islamic Bank (SIB), Dubai Islamic Bank, HSBC and Standard Chartered. In early February the emirate also became the first Gulf sovereign issuer to tap the Chinese interbank bond market, issuing a RMB2bn ($318.4m) Panda bond. The increased investment is expected to boost GDP growth, with ratings agency S&P anticipating growth of 2.5% per year by 2020.
https://www.zawya.com/mena/en/story/Sharjah_turns_to_the_debt_market_to_...
Sharjah Islamic Bank (SIB)
#Dubai: #Meraas Holding has #issued $400 million #sukuk –sources
Meraas Holding, a real estate developer in Dubai owned by the UEA government, issued a $400 million sukuk last week. It was sold privately to a select group of investors, according to sources. The Islamic bond has a five-year maturity and is at par with a 5.112 % yield on May the 26th and traded at one to 1.5 points above par shortly after that. Emirates NBD, Noor Bank and Standard Chartered jointly coordinated the transaction and served as bookrunners along with Dubai Islamic Bank, Sharjah Islamic Bank and Warba Bank.
Meraas is the parent company of the leisure and entertainment company DXB Entertainment, which owns 4 theme parks and a water park in UAE capital. It has been said, that a new entity has been set up which will manage billions of dollars of development projects for Meraas Holding and Dubai Holding. Dubai Holding is the investment vehicle of Dubai ruler Sheikh Mohammed bin Rashid al-Maktoum. Raed Kajoor Al Nuaimi, formerly chief executive of DXB Entertainment, has been appointed to lead the new management company.
https://www.reuters.com/article/meraas-sukuk-idUSL8N1IY3V2
Dubai Holding
DXB Entertainment
Meraas Holding
Noor Bank
Sharjah Islamic Bank
Warba Bank
Raed Kajoor Al Nuaimi
Sheikh Mohammed bin Rashid al-Maktoum
Reuters Middle East
Baker McKenzie wins major #litigation case for Dubai Islamic Bank
Global law firm Baker McKenzie has successfully acted for Dubai Islamic Bank in its defence of a $2 billion claim brought against it in the English Commercial Court. The claim was brought by Plantation Holdings, a holding company owned by an Argentinian-resident property developer. The allegation was breach of contract related to plot of land on the outskirts of Dubai, which Plantation had planned to develop into a high-end luxury lifestyle and equestrian complex. The Bank took security over the project as part of the restructuring of a $500 million debt owed to it as a result of a complex receivables financing fraud. The case was heard in an eight week trial, with evidence from witnesses from seven jurisdictions. The court ruled that Plantation's principal director had made up evidence and that another of Plantation's witnesses had manufactured documents, Plantation has been ordered to pay 70% of the Bank's costs on the indemnity basis. The nature of the case also resulted in examining the volatility of the Dubai property market and the functionality of its property registration system, as well as the Dubai authorities' approach to financial misconduct.
http://www.cpifinancial.net/news/post/40485/baker-mckenzie-wins-major-li...
Baker McKenzie
Plantation Holdings
#Turkish treasury says mandates three banks for #sukuk issue
Turkish treasury mandated the Dubai Islamic Bank, HSBC, and Standard Chartered to explore opportunities for a possible sukuk issue. A series of investor meetings will be organised in the UAE on March 28, 2017. Meanwhile, the country's monetary authority raised its highest interest rate while leaving all of the other rates unchanged. The lira rallied as the move was seen paving for they way for tighter policy and serving as insurance against bouts of currency weakness.
http://gulfnews.com/business/sectors/markets/turkish-treasury-says-manda...
#ADIB leads $272m #Islamic #financing for #Meydan
Abu Dhabi Islamic Bank (ADIB) is leading a $272m Islamic financing facility for Meydan Group to fund its projects in Dubai. The deal was structured to meet Meydan's financing objectives, on the back of its ongoing District One Project, a master-planned luxury residential neighborhood in Dubai's Mohammed Bin Rashid City.
Dubai Islamic Bank and Al Hilal Bank were both mandated lead arrangers for the financing, which matures in December 2018. Tirad Al Mahmoud, CEO of ADIB, said: "[The deal] also evidences the results we are achieving through stepping up our corporate financing activity, with a particular focus on high-growth companies and the real estate sector." The deal will help utilise financing for the group's current and future projects including those along the Dubai Water Canal. The funding will also help finance continued investment across all Meydan areas.
http://basicincome.org/news/2016/12/15218/
Meydan Group LLC
Humaid Al Tayer
Tirad Al Mahmoud
http://www.constructionweekonline.com/article-42380-adib-leads-272m-islamic-financing-for-meydan/
Neelum Jhelum project: banks provide Rs 100 billion #Shariah-compliant #financing
Neelum Jhelum Hydropower Company (Pvt) Limited has entered into a financing agreement amounting to Rs 100 bn with a consortium of 16 banks led by National Bank of Pakistan for raising funds through one of the largest Shariah-compliant facility. The financing is based on Diminishing Musharika structured by NBP Aitemaad. The Sukuk is structured with a tenor of 10 years and is backed by the sovereign guarantee from Government of Pakistan.
NJHPC mandated National Bank of Pakistan to act as Mandated Lead Arranger for arrangement of up to Rs 100 billion through issuance of rated, secured and privately placed Sukuks to partially finance the construction of strategically important 969 MW hydel power project located in District Muzaffarabad, Azad Jammu & Kashmir. For this financing, a signing ceremony was held on Wednesday here and attended by President & CEO NBP Syed Iqbal Ashraf, Chairman Wapda Zafar Mahmood, member finance Wapda Anwaar ul Haq, CEO NJHPCL Lieutenant General Muhammad Zubair and other presidents and senior officials of all the 16 participating financial institutions.
http://www.brecorder.com/market-data/stocks-a-bonds/0/59431/
Al-Baraka Bank (Pakistan) Limited
Allied Bank Limited
Askari Bank Limited
Bank Al Habib Limited
BankIslami Pakistan
Faysal Bank
Habib Bank Limited
Meezan Bank Limited
National Bank of Pakistan
Neelum Jhelum Hydropower Company
Pak Brunei Investment Company
Pak China Investment Company
Soneri Bank Limited
The Bank of Khyber
The Bank of Punjab
United Bank Limited
Syed Iqbal Ashraf
Wapda Anwaar ul Haq
Wapda Zafar Mahmood
Business Recorder
#Dubai Islamic Bank set to open $860m rights issue
Dubai Islamic Bank is opening subscriptions on Tuesday for a 3.16 bn dirham ($860.3 mn) rights issue. The bank is offering 988.4 mn new shares to shareholders in total, with subscription open on the basis of one new share for every four currently held. Shares are priced at 3.2 dirhams each, a substantial discount to Monday's closing share price of 4.95 dirhams. DIB is the latest bank in the Gulf to replenish reserves after a period of strong lending growth. At the end of March DIB's total capital adequacy ratio stood at 15.6%, above the UAE's regulatory minimum of 12%.
http://www.arabianbusiness.com/dubai-islamic-bank-set-open-860m-rights-i...
Arabian Business.com
Sharjah Islamic Bank obtains $265 mln murabaha facility
Abu Dhabi-listed Sharjah Islamic Bank said on Monday it had obtained a three-year, $265 million syndicated murabaha financing facility from a group of banks.
ABC Islamic Bank, Dubai Islamic Bank, Emirates NBD Capital and Noor Bank were lead arrangers and bookrunners, Sharjah Islamic said without giving pricing details.
http://www.reuters.com/article/sharjah-isla-bnk-loan-idUSL5N17Z12S
ABC Islamic Bank
Emirates NBD Capital
Dubai Islamic Bank launches UAE Sharia Departments Forum 2016
Dubai Islamic Bank, the largest Islamic bank in the UAE, announced today that it had launched the first UAE Sharia Departments Forum 2016.The event was organized by the Bank, as Founder & Sponsor with the valued participation of other local Islamic banks, to create a platform where the Sharia departments of financial institutions across the country can meet to exchange experiences and share solutions to the challenges they face, with the strategic objective of developing the Islamic financial services sector in the UAE. The opening event took place on April 30, 2016, at The Palace Hotel in Dubai.
As the first event of its kind in the country, the Forum was led by Sharia department at DIB and featured the Sharia departments of other local Islamic banks including Abu Dhabi Islamic Bank ,Emirates Islamic and Al Hilal Bank . 'Sharia Audit' was chosen as the theme of the event this year with a very comprehensive series of panels, each of which was led by one of the participants, discussing a different element of the topic.
https://www.zawya.com/story/Dubai_Islamic_Bank_launches_UAE_Sharia_Depar...
Islamic Finance Events - Congress Conference Summit Seminar Workshop Forum
Emirates Islamic Bank
Dubai Islamic Bank details rights issue plans
Dubai Islamic Bank (DIB) is inviting its shareholders to subscribe for new shares, by way of a 1-for-4 rights issue. The Board of Directors resolved on 27 April to increase the issued capital of the Bank by AED 988,437,777 raising the capital of the bank to AED 4,942,188,884. The New Shares will be issued at a price of AED 3.20 per New Share, reflecting the nominal value of AED 1.00 per New Share and a share premium of AED 2.20. The ownership limitation on DIB's shares remains in place: 51 per cent of the issued share capital of the bank must be owned by nationals of the United Arab Emirates.
http://www.cpifinancial.net/news/post/35779/dubai-islamic-bank-details-r...
Creditor sale brings Dubai's Limitless to brink of debt plan deal
Dubai-based property developer Limitless is set to complete a drawn-out debt restructuring after the final dissenting creditor sold its share of the company's 4.45 billion dirhams ($1.2 billion) debt. New York-based Stonehill Capital Management sold its debt in the state-controlled company, worth around $15 million at face value, to Dubai Islamic Bank, an existing creditor and one of the members of the creditor committee. They declined to say at what price the debt was bought.
http://www.arabianbusiness.com/creditor-sale-brings-dubai-s-limitless-br...
Stonehill Capital Management
Arabian Business
Banking: Dubai Islamic Bank aims to open in Kenya
Dubai Islamic Bank (DIB) plans to be operating in Kenya before the end of 2016, despite the Kenyan authorities' moratorium on issuing new banking licences. Kenyan banks have come under closer scrutiny from the regulator because of increasing bad debts, prompting officials and analysts to conclude the sector is ripe for consolidation. Three medium-sized and small banks have been taken over by the regulator since August last year. DIB had been in talks with the regulator before the moratorium was placed on the licensing of new commercial banks last November, meaning it would not affect a decision on its licence.
http://www.theafricareport.com/East-Horn-Africa/banking-dubai-islamic-ba...
The Africa Report
Dubai Islamic Bank lists $500m sukuk on Nasdaq Dubai
Dubai Islamic Bank (DIB) has listed its latest sukuk worth $500 million on Nasdaq Dubai, bringing the bank's total sukuk listings on the region's international exchange to $3.25 billion. Following a total of seven sukuk listings this year by regional and international issuers, the total value of sukuk currently listed in Dubai has reached $42.61 billion, the largest amount of any listing centre in the world, underlining the rapid expansion of Dubai as a global capital of the Islamic Economy. Given the challenging market conditions, it was critical to have a strong credit come in and successfully close a deal, said Dr Adnan Chilwan, group CEO, DIB.
http://www.arabianbusiness.com/dubai-islamic-bank-lists-500m-sukuk-on-na...
Dubai Islamic Bank successfully closes $500 million Sukuk issuance
Dubai Islamic Bank returned to the international debt capital markets with a very successful $500 million 5Y Sukuk issue yesterday. This deal is the first GCC bank issuance since November 2015 and essentially marks the reopening of the market after a hiatus of 4+ months. The transaction is being hailed as a tremendous accomplishment in the current environment where the GCC has gone through a well-documented change in onshore liquidity conditions and witnessed multiple rating downgrades, which have been mainly the result of the drop in oil prices. The offering was oversubscribed (2.4x) attracting more than $1.2 billion in demand from 87 investors.
http://www.cpifinancial.net/news/category/islamic-finance/post/35231/dub...
Dubai Islamic Bank gives guidance for sukuk pricing on Tues: Leads
Dubai Islamic Bank (DIB) is expected to price a dollar-denominated sukuk of benchmark size as soon as Tuesday after releasing initial price thoughts for the offering, a document from lead arrangers showed. Pricing for the five-year sukuk has been earmarked to be in the area of 245 basis points over midswaps, according to the document. DIB chose seven banks to arrange meetings with fixed income investors in London on Monday, ahead of the possible sukuk issue, it was announced last week.
http://www.thepeninsulaqatar.com/business/gcc-business/375205/dubai-isla...
The Peninsula Qatar
Dubai Islamic Bank roadshows sukuk
Dubai Islamic Bank is embarking on a roadshow for a senior dollar sukuk, and looks likely to be the first bank from the Gulf Cooperation Council to enter the public bond markets this year. Bank ABC, DIB, Emirates Islamic Bank, HSBC, National Bank of Abu Dhabi, Sharjah Islamic Bank and Standard Chartered Bank have arranged fixed income investor meetings to take place in London on March 21. DIB, rated Baa1/—/A, will print the Reg S note under its $2.5bn sukuk programme.
http://www.globalcapital.com/article/wyrhhy2mvck7/dubai-islamic-bank-roa...
Global Capital
Dubai Islamic Bank launches four Wakala Deposit product Variants with unbeatable profit rates
Dubai Islamic Bank (DIB) has launched four new Wakala Deposit product variants. The DIB Wakala Deposit product variants offer various schemes in terms of tenures and profit rates. DIB's Long Term Wakala Deposits offer a 15.25% profit rate on a 5 year, or 8% profit rate on a 3 year tenure. Customers can also subscribe to DIB Maximizer Deposits, an 18-month facility which is developed on step-up profit rates of up to 6%. Furthermore, the Recurring Wakala Deposit is a deposit product whereby a fixed amount is deposited on a monthly basis. A minimum goal of AED 12,000 (AED 1,000 per month) is agreed upon – as well as the recurring instalment payments.
http://www.albawaba.com/business/pr/dubai-islamic-bank-launches-four-wak...
Sharjah says targeting 5-yr sukuk, could issue as soon as this week
The emirate of Sharjah is targeting a five-year sukuk offering and could launch a transaction as early as this week, a document from lead arrangers showed on Tuesday. The sovereign finished roadshows on Monday in London, following investor meetings in the Middle East and Asia last week, and was now in the process of receiving feedback from the market, the document added. The emirate mandated Bank Of Sharjah, Barclays, Commerzbank, Dubai Islamic Bank, HSBC and Sharjah Islamic Bank to arrange the meetings and the possible transaction. Sharjah was reported to be planning to raise funds through a dollar-denominated sukuk of benchmark size, in what could be the first sovereign Islamic bond issuance from the region this year.
http://www.reuters.com/article/sharjah-sukuk-idUSD5N12L00K
Bank Of Sharjah
Dr. Adnan Chilwan, Group CEO of Dubai Islamic Bank: Dubai is leading the revolution in Islamic banking
Looking to 2016 and beyond, innovation will continue to be critical for the ongoing development of the Islamic finance industry. For instance, efficiency can still be improved as Sharia-compliant institutions still lag behind their conventional counterparts, and are increasingly looking to embrace technological innovation in order to minimise operational costs as well as project a modern face of banking that would appeal to a younger generation of customers, which will be critical for ongoing growth. Another area of development is the Islamic asset management sector, as the range of services available remains quite limited and there is a general lack of quality products in this space.
http://www.arabianbusiness.com/dr-adnan-chilwan-group-ceo-of-dubai-islam...
Adnan Chilwan
Sharjah to meet investors ahead of potential dollar sukuk - leads
The emirate of Sharjah has picked six banks to arrange investor meetings starting next week ahead of a potential dollar-denominated sukuk issue, a document from lead arrangers showed on Wednesday. The sovereign has mandated Bank Of Sharjah, Barclays, Commerzbank, Dubai Islamic Bank, HSBC and Sharjah Islamic Bank to arrange the transaction. Investor meetings will be held starting Sunday in the Middle East, Asia and the United Kingdom and a deal will follow subject to market conditions, the document added.
http://www.reuters.com/article/emirates-sukuk-sharjah-idUSD5N12L00620160106


text:
Brooklyn Park Plans Shift to Full-time Fire Department
3:22 PM | Wednesday, May 29, 2019
A significant change is now planned for the Brooklyn Park Fire Department. Brooklyn Park's fire chief wants to put the city on the path toward a full-time department. The city currently has both full-time and paid-on-call firefighters.
"Going forward what my vision is, we're becoming a career-oriented fire department with full-time staff that are able to answer the call 24 hours a day, seven days a week at our fire stations that exist," said Chief John Cunningham.
The change has been studied and thought about over the last several months. The city paid Fitch & Associates $40,000 to provide a third-party review of the department. Some of the challenges, according to the report, was an "insufficient budget to meet all service demands." Another challenge, the report says, is the "diminishing participation from the paid on-call staff."
Plan Eliminates Paid-on-call Staffing
Under Cunningham's recommended plan, the city would eliminate the city's paid-on-call firefighters. Brooklyn Park currently has 21 firefighters who are paid-on-call (POC). It would provide savings of $741,302. To make up for the elimination of POCs, the city would add nine full-time firefighters, at a total cost of $1.1 million. A federal SAFER grant of $402,950 would help make up the difference. Cunningham says the challenge of recruiting paid-on-call firefighters was a factor in the decision. He admits the change won't be easy, but calls it "an exciting opportunity for Brooklyn Park."
Cunningham also believes the change not only will help with service but also improve diversity within the department.
"I think one of the opportunities that exist for us is bringing down some of the natural barriers that might exist for people to explore the opportunity to become a firefighter. Our traditional recruitment model has reflected around hiring people that already have knowledge, skills, training and abilities of being in the fire service," said Cunningham.
Cunningham says the plan will be gradual. It will take 18 months to implement. It will also mean fully staffing the city's East Station, which right now is unmanned. Once the plan is fully implemented, all four of the city's stations would be staffed 24/7 with at least two firefighters each. The city would have a minimum of eight full-time firefighters per shift.
The chief's recommendation includes the creation of a second deputy chief who would focus on training and recruitment, as well as the creation of a part-time pilot program. Cunningham also wants to start an in-house fire training academy, which he believes will help with recruitment and diversity.
City Council Response
The Brooklyn Park City Council digested the plan Tuesday night. Most city council members supported the chief's recommendation. But with any significant change, there are questions.
One council member believes the number of full-time firefighters falls short.
"To me the numbers we're asking for right now are low," said Brooklyn Park City Council member Terry Parks, a former firefighter. "Eventually we're going to have to build it up. And we're talking about cutting the budget, but yet, if we lose a firefighter, if we lose a life at all, you can't put a price on it. So I'm okay with cutting budgets, but at the fire department I think it needs to be built up."
Another believes the changes could lead to second-rate service.
"I'm going to go back to the EMT side here, We can go back and say, 'well you need to be an EMT here,' but our surrounding cities are not requiring firefighters to be EMTs. Again, a barrier to employment in our city of Brooklyn Park. But yet when we're all tied up, we're going to give someone second-rate service because another city is going to respond to them," said Brooklyn Park City Council member Mark Mata, a longtime paid-on-call firefighter.
Cunningham is confident his plan will provide first-rate service.
"As a fire chief, my number one concern is the safety of our people and making sure that everyone goes home at the end of their shift. In doing so, that also puts our community first," said Cunningham. "Change can be hard at times, but when we focus on the community and put the community first and meeting their needs, that's of utmost importance."
Corey Bork, reporting
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redpajama_set_name: RedPajamaCommonCrawl


There is a lot of talk about brain health happening these days.
The excitement is that we are really beginning to see connections in the way we live and what we eat and how that affects our brains. And brains are not just for thinking and problem solving – they control our moods (depression, anxiety, irritability, low patience), our energy levels, whether we can manage the stressors well in our lives, our tolerance for stimulation (noise, smells, touch, movement), our physical coordination and balance, and many many other things that absolutely affect the quality of our day to day lives. So, if you knew that certain foods create inflammation in the brain and increased our likelihood to be depressed or anxious or fatigued, would you give them up? And if you knew there were certain foods that protected your brain from inflammation and toxicity which in turn would improve your mood, would you eat them? I know I would! Simple changes in our diet can go a long way towards feeling great.
Omega-3 fats are essential for good brain health and incorporating more of them into your diet can help to improve your mood. Omega-3 fat consumption is also associated with prevention of cognitive decline. The standard american diet is chronically deficient in Omega-3 fats and way too high in Omega-6 fats (interestingly we are seeing rates of neurodegenerative diseases like Alzheimer's on the rise which may have a lot to do with how inflammatory the standard american diet is). High amounts of Omega-6 fat tips the balance towards high levels of toxicity (free radicals) in the brain which results in inflammation in the brain, which affects our mood and many other things. Increasing our intake of Omega-3 fats is the best way to address this imbalance. It is also important to know that balancing our source of Omega-3 fats from both plant and animal sources is beneficial especially as we get older because the enzymes used to convert the vegetarian sources of Omega-3s into the essential fatty acids DHA and EPA decline as we age.
*while we are focusing mainly on food in this article, supplementation for Omega-3s such as a high quality fish oil can help us get the adequate amount of Omega-3 fats that we need for optimal brain health since our typical American diets are so deprived of this essential nutrient that it can be difficult to get enough just from food sources.
Blend 2 ripe bananas, ½ can coconut milk or 1 cup of milk of your choice, 1 cup plain kefir or plain yogurt, 2 TB almond butter, 1 TB chia seeds, 1 cup fresh or frozen berries (blueberries or raspberries recommended), and 2 cups ice. For added flavor add few drops of vanilla extract or honey to sweeten.
Try making your own Caesar salad dressing! (Minced garlic, fresh squeezed lemon, 2-3 chopped anchovies, 1 raw pastured egg yolk, extra virgin olive oil, 1 tsp dried mustard, ½ cup organic shredded Romano cheese (omit for dairy free). Whisk together in large salad bowl until desired taste and consistency, then toss in chopped romaine lettuce. Top with another ½ cup shredded Romano if desired.) Delicious with fresh grilled salmon!
Buy cheaper fattier cuts of organic, grass-fed, meat to save money, and if you need to buy conventional meat buy leaner cuts.
Fats hold essential nutrients for us, but conventional meats contain large amounts of toxins in their fat as well from their exposures to pesticide and herbicide grains, antibiotics and added hormones.
In general it is best to lower our intake of sugar, which dried fruits can be a high source of sugar, but for the occasional sweet treat use currants for the higher antioxidant levels to bring down toxicity from free radicals and reduce the effects of too much Omega-6.
Try this yummy quick recipe for healthy currants and healthy fat: Mix together ½ cup coconut oil, ¼ cup coconut flour, ½ cup dried currants (or dried blueberries!), 2 TB collagen protein powder, 1 tsp cinnamon, 1 TB maple syrup. Pour into small muffin tin for mini "muffins" and freeze for 15 minutes.
Eating for wellness is really delicious!
When we start incorporating these essential nutrients into our diets and naturally let go of convenience foods that have been highly processed and refined, we bring in more nourishment and pleasure with eating. Enjoy trying these suggestions and adapting them and making them your own! As always, I'd love to hear your discoveries in the comments whether it is yummy recipes or changes you've made with your brain health through diet.
For more nutritional science on brain health and recipes check out my book, "Eat to Beat Alzheimer's: Delicious Recipes and New Research to Prevent and Slow Dementia."
The book is jam-packed with easy to read science and suggestions, as well as great everyday recipes that are for anyone wanting to improve their brain health and bring down chronic inflammation. Here's to happy and healthy eating for happy and healthy brains!


Well, friends, something in our kitchen has changed. Yes, that plywood door means we are moving full speed ahead on this addition! Thank you all so much for your kind comments and messages about the video last week. It can be hard to be so vulnerable, but it's already so worth it when I hear about so many of you on similar journeys who this inspired AND I've connected with and learned from so many of your stories already. I absolutely love when that happens!
As I've said in that video, I've had to come to terms with doing this addition. We've had the long-term vision I laid out in the video for awhile…the one that hinges on us renovating another house, moving, and renting our current one to pay for itself and the other. SO our monthly expenses would be less than they are now because all mortgage expenses would be paid for. Then, we have that long-term source of residual income that's continuing to appreciate. And if we need to sell it or just want to one day, it'll make more than if we sold it now.
Once God revealed this plan and we put all of this together in our minds, we've been so excited. Living freer and radically different as a family was feeling close and possible. And as much as I've loved this house, that vision of what life could be for our family is more valuable than any specific house. In the spring, we started looking for the next place and getting the finances lined up. We weren't ready to move on, but our hope whenever we do the next project is that for the first time, we can do it really slowly and enjoy the process. This will make for a less crazy season and one that lets us treasure the planning and reno season. Because we love that! So our thought was to find one in the spring/summer and take a full year to renovate it.
I can't tell you how excited I am about a long, slower reno period. We've always had to do them so quickly in the past that we've been in complete survival mode. Remember in the past, we couldn't fund the next without selling our current one first and God's worked it out every time for us to rent back, so our family has only had to move once each time. It still blows my mind how that's been laid out. But that means we've always been on a tight deadline. Design decisions are made on the fly without thinking them through and I have no time and energy to blog about the process as we go because we're flying fast and furious as we count down to move-in day. I'm thrilled that, for the first time, we'll be able to do the next one without selling our current, allowing us to keep it as a rental AND to not put a deadline on ourselves. I'm so excited to be able to take my time designing and share progress in real-time. I've gotten so excited about this.
So when we realized that we couldn't do this financially without adding on to increase our home's current appraisal value and equity line (that will fund the next project – it's complicated, I know), I took time to adjust. While we knew that future houses likely wouldn't be quite this small because our family will continue to grow, we have loved this season. And not to lie, I didn't want to deal with the upheaval I knew it would cause. But just like I've adjusted to moving so much, I adjusted to this because the vision is worth it.
So we're adjusting, getting excited, and making plans! Today, I want to share with y'all exactly what we'll be adding on. Before we get there, let's quickly look back at where we're starting. As a reminder, here's the before and after floor plan from when we renovated this time last year.
We decided not to add on immediately, but knew it would happen one day after we moved out so this was the best investment possible for our family. The laundry room on the back of the house was not original. It had been an addition at some point and was very poorly built. We knew it needed to be rebuilt, but decided to wait knowing an addition was likely a few years out. We did as little as we could to it to move in.
And after living here, the condition of it has been way worse than we thought. There's extensive water damage, sagging floors making the door not able to securely close and the floor has felt like it's caving in. So, ripping it off now as a part of this addition was welcome and needed. So the first step of this addition was ripping the laundry off the house and building from the kitchen wall back.
Here's the new floor plan.
*This addition will put our house at 1400 square feet, 3 beds and 2 baths. It'll still be the smallest house we've ever lived in, but will feel huge to us I think after living without that extra bed and bath for awhile.
*We started creating this plan by drawing a box. Keeping the addition as a box with no jut-outs saves a ton of money. We knew the rough size of what we wanted to build cost-wise. Then, we started playing with how we could fit all the needed pieces into the square and then we adjusted sizes of rooms and the size of the overall footprint where needed.
*Our master is not huge by any means, but it is a decent size. There'll be two smaller his and hers closets. They will not be walk-in to save floor space, but living without a walk-in closet during this season and just having the wardrobes in our current master bedroom has shown me I don't really need much space and that often, a walk-in has wasted space. And we'll make these closets really functional storage-wise!
*The bath is a great size and we really are excited about that. That's a big want for buyers/renters and it's one we'll really enjoy. It'll have a double vanity, a tiled walk-in shower (which we love, but is the neighborhood standard to have one in the master), and a closed off toilet room. We've never had that and I'm pretty excited about that piece.
As far as the design goes, I haven't even given it much thought, you guys. It's been a bit of a crazy summer and getting this rolling has taken most of my energy. Chris keeps asking, "So, do you think I'm going to have to design this?" I'll get it together, honey, don't worry. I'm starting to toss around ideas and I'm excited to design it with the rest of the existing house color scheme and finishes in mind.
My hope is to share this addition coming together in real-time as much as possible! I plan to do a progress post here periodically, but will share updates more often in my Instagram stories, so make sure you're following there to see it really come together!
We're headed off for a family week at the lake today, so I'll put a progress post together as soon as we return. But check Insta-stories before then for a look at where we are so far! We're just starting, but it's rolling fast!
It looks like a perfect addition to your home! I love how intentionaly you live! In so many aspects of life. Spiritually, financially, parenting, simplifying and Im sure even more ways! Im older than you (52) and I enjoy your posts and videos very much! Im happy and content with how my husband and my life unfolded! And there are many areas that we took leaps of faith! And Ive always enjoyed being more spontaneous and a nonplanner! Maybe even prideful of being a nonplanner and laid back. Ha But seeing you maneuver life intentionally but also as a faithful servant to Gods will makes me think maybe i should have been more intentional on a few home fronts! And that being intentional and a over planner are two different things. (And not that being a planner is bad…I just dont have the skill set to be) This has actually been on my heart lately and I have gently been hit with these thoughts many times lately! And I have been thinking maybe I didnt raise our children how I should have or spiritually grown how I should have or just many other ways where I havent been intentional in the past. And Im realizing that God actually isnt talking about the past. But about the future!!! That he would have put this on my heart 20-30 years ago if this was about the past! So your post last week was just another gentle reminder to me! So thank you Linsay for being brave and speaking your truth! Being fearless with your story!! I love this!! Im not sure what living intentionally looks like for me yet. But im open and excited for the plans that God has for me! And as someone older than yourself I applaude you for coming to the realization that you will not apologize for being you and not feel weird! I have been at that place and Im here to tell you it is freeing! I know women that never get to that point! So I believe its a blessing to have that freedom of self! I look forward to seeing the posts on the new addition and seeing how being fearless with your story translates in your future!!!
Kris, I just came across this old comment – forgive my extreme delay! Wow. This was such an encouragement to read, I can't even tell you! And do you know what's so funny? Just this week (maybe that's why God held this comment in my to-approve folder and I missed it until now!), Chris and I were talking about how we need to be more spontaneous in areas, how we're going to have to just "Jump" in some areas -we could plan forever 🙂 I love how you said that God is talking about the future!!! He brings us the convictions, etc. as we need them! And there's such beauty in how we're all created so differently and fulfill different needs, raise different types of children to meet different needs, etc. Oh it's so beautiful!
Oh boy! I bet this will feel like living in a mansion! That bathroom looks so roomy and from my experience, you will LOVE having the separate potty room, aka water closet. One question..are you going to have to go through the laundry room to get to your bedroom? I was Curious if you considered moving that right sided master closet over and making 1 big closet. Then put up a wall to the laundry room…so that it makes a small hallway to your bedroom. Maybe a barn door or pocket door for the laundry room door??? I'm sure you and your husband hashed this over 100's of times and know what is best for your family. I have Absolutely zero experience designing floor plans, so I'm sure my thoughts are way off and make zero sense. I'm so excited to see your addition come to fruition. I also love your dependence on God and His timing. ALWAYS PERFECT!
Thank you so much, Sandie! It will feel so big I think! It's so funny how quickly we adjust!
We have thought of so many different options, but I love a combo mudroom/laundry as the exterior entry. We're going to do a lot in here to add mudroom function. The exterior door has to be on that side bc that's where our patio/outdoor living area is. And I really don't mind at all having the master entry off that! I'm treating it more like a hallway that has a pretty laundry section than a laundry ?
One thing we really want is seperate closets in the master – that's a big preference of my husbands haha! It just tends to work best for us to have two smaller, seperate closet spaces. And adding that big storage closet is huge for us for resale/future owners. We've streamlined our stuff so much, we don't feel like we need that much space at all, but many others will struggle with the house not having a single closet. Plus for us, Gracie's crate will go in there ?
I wondered the same thing as the comment above, about the laundry room access to your bedroom. I know you want that storage closet to the right side, but if you could fit the laundry over there even if it means shrinking the master bathroom a bit, it makes more sense to leave the hallway and door to outside without the laundry. I like the idea of the back hallway being a pretty second entrance. Not sure if you have a garage or shed, but even a simple outdoor shed could provide some of the storage you seek.
Thanks for your ideas, Christie! I do love hearing others opinions!
For us, that closet is much more about resale/future owners. The existing house doesn't have a single non-bedroom closet which is something most will want. We'll use it for Gracie's crate which will be really helpful for us! We do have an exterior shed we use for yard and holiday storage ? But adding some storage to the house will be a desirable thing for most…it's always a tough battle for us weighing investment/resale demands with our own.
I've actually love the idea of a pretty laundry/mudroom combo leading into the backyard or a garage. Plus for us, we have to have function in every inch and are trying to minimize hallways or extra spaces. And for me, I don't mine having that hallway to our bedroom at all even with the laundry in it. That hallway has to be big to fit the existing kitchen door and am exterior door to the patio, so putting the laundry and some mudroom hooks and function there will make that big space work really hard for us.
I can't wait to see what the rest of your home will look like! I sort of love the idea of a back hallway/laundry/mudroom with the master off the side. It kind of tucks the bedroom away off the back for privacy and gives you a bunch of extra storage behind the kitchen. I'm looking forward to seeing your design for the new rooms!
We also have a private toilet room for the first time in our new house and it's pretty awesome 🙂 Never knew what I was missing!
Oh wow I'm so excited for you guys – how fun! I look forward to seeing your designs come together!
So exciting! I've loved reading about your journey. It's been an inspiration to me the past few years. We're in a similar life situation with two young kids and a huge dog, and I feel like God is taking us on a similar journey. So your story has given me much needed courage and excitement about the future. My husband and I are looking to downsize in the next year to reach some financial goals & we have looked at some houses that need additions to really be functional long term. Will you be sharing the financial side of this addition? We've renovated in the past but never done an addition. Even just ballpark numbers would be super helpful and/or any tips of what to do or not do with additions (like what to hire out/not hire out, etc). Thanks so much!
I so love your design for the new addition! The buffer zone of the laundry/pantry/mudroom seems ideal to me (I know others may not see it that way, but you have my vote). Not only is it great for parents to have a getaway corner, but this makes perfect sense to me as a guest suite if/when the need arises. I also like the way you've worked in a closet for Dax's new room. Finally, I love it that you're sticking to a smaller house concept. Can't wait to see the in-progress updates!
Your plans seem great. I'm so excited to see how that'll be happening!


Skip the line and save money!
Travel with the Asian Public Transportation. Book your train, bus and ferry tickets in advance online via 12Go.Aisa. Pay less and skip the line at the travel agencies.
From Koh Samui : There are at least 3 ferries a day from Koh Samui's Big Buddha pier to Thongsala pier Seatran Discovery and Haad Rin Queen Ferry directly to Haad Rin. Boats also leaves from Nathon pier (Songserm Express) and Mae Nam pier Lomprayah) to Thongsala 3 times a day. From Koh Tao : get Songserm, Lomprayah or Seatran boats departs frequently from Mae Haad pier and arrives to Thongsala pier. Last boat from Tao to Phangan Island is 15:00.
From Bangkok : the cheapest way is take one of the overnight buses leaves Khaosan Road evening about 18.00 and in the next morning arrives Surathani, then take a boat.Bus and boat combo ticket can be arrange by travel agencies on Khaosan Road for about 700-900 Baht all the way to Koh Phangan.
The nearest airport is Koh- Samui (USM) which has frequent flights from Bangkok (BKK) and Phuket, daily flights from Pattaya (U-Tapao), Singapore. Transortation to the ferry pier is easy to find at the airport. Ferries depart several times a day with the last one around 17.30.The next closest airport on the mainland is Surathani (URT) There are low-cost operators (AirAsia and Thai Airways) Then you'll need bus + boat travel to get to Ko Pha Ngan, which takes a few hours.
Taking overnight train from Bangkok with proper bed is also comfortable way to get Koh Phangan. Trains stop early morning at Surathani,than buy bus and boat ticket to Phangan Island. Train tickets from Surathani back to Bangkok should be reserved in advance specially in high season.


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Sunset Music Festival has announced its 2019 lineup for its eighth installment which will take place in Tampa, Florida at the Raymond James Stadium this Memorial Day Weekend. The 2019 lineup is loaded with superstars and rising talent from the world's finest selection of electronic music which includes Dog Blood (Skrillex :: Boys Noize), Kaskade (Sunset Set), 12th Planet, Rusko, Alison Wonderland, Audien, Destructo,Chris Lake, Dombresky, Gabriel & Dresden, Ganja White Night, Omnom, Walker & Royce, Weiss, Will Clarke and much more.
From its origins as a one-day festival in 2006 with 5,500 attendees, Sunset Music Festival has grown into one of the largest events in Tampa, drawing crowds of more than 60,000 over two days. There's no denying the impact that Sunset's growth has made on the evolution of Tampa's electronic scene. The festival has become a true festival destination for thousands of out-of-state electronic music fans and is firmly established as a prominent brand for dance music festivals among the east coast region.
Disco Donnie Presents (DDP) is an award-winning and recognized leader in electronic dance music event production, founded by veteran promoter James "Disco" Donnie Estopinal. Since the company's inception in 1994, DDP has generated over 10 million tickets sold and 10,000 live events, arena shows and outdoor festivals in over 100 markets around the world, including the U.S., Mexico, Canada and Latin America. DDP organizes and promotes nearly 1000 club events annually in markets all across the U.S., ranging from Portland, Philadelphia, Houston, Tampa, New Orleans, Dallas and St Louis to name only a few. Major festivals include Ultimate Music Experience, Sunset Music Festival, Sun City Music Festival, and more.
Along with the GA and VIP passes, SMF is introducing GA Plus passes that will allow express entry on May 25th and May 26th from 3 PM until midnight Saturday & Sunday.


Greetings! Topics in this Newsletter: Allergies, upcoming community classes, and Dr. Van Dusen's upcoming guided group spring cleanse.
It's that time of year again, when an estimated 10-40% of the population starts to experience itchy eyes, an itchy, runny nose, sinus congestion, fatigue, and many other wonderful symptoms. We're starting to have such nice weather, and unfortunately for some, this means starting to feel poorly!
What are seasonal allergies anyway?
Seasonal allergies are an over-reaction by the immune system to foreign substances such as pollens, molds, grasses, and weeds. Over time, as the body is continually exposed year after year to certain allergens, it begins to develop a "memory" for these substances. There are actually immune cells that are simply hanging around in your nose, ready and waiting for that spec of pollen. The immune response that ensues, mainly due to the release of a substance called histamine, is the body's attempt to get rid of the offending agent, through increased mucus production, etc. This is a natural response…the problem is that it's over-active in some people.
Why do some people have allergies and not others?
We're all exposed to the same stuff if we live on the same block. The difference is that the "allergens" are not the cause of allergies. The cause is individual susceptibility, which can be due to a number of different variables. The most common variables are stressed and over-worked adrenal glands, a high level of inflammation in the body, and poor digestion. There may certainly be genetics and many other factors at play unique to the individual as well.
What can be done to prevent and treat allergies naturally?
In order to really prevent and resolve allergies, it's necessary to create balance in the body overall, which is completely individual. However, addressing the most common variables mentioned above can be helpful for many people.
Support your adrenal glands. The adrenals are weakened by overwork, lack of sleep, and consumption of stimulants like sugar and caffeine. Healthy adrenals are necessary for proper (not overactive) immune function and for reducing inflammation in the body. What do the adrenals like? Routine! They like a regular sleep schedule with a sufficient amount of sleep, they like rest, and they don't like too much stress or over-stimulation. In addition, a nice home remedy for the adrenals is to end your shower with a cool spray to the mid back for about 30 seconds.
Reduce Inflammation in your body. Well, this is a huge topic. The easiest way to reduce inflammation in the body is to reduce dietary triggers for inflammation. See my Basic Dietary Guidelines for anti-inflammatory dietary recommendations. Generally, it's a good idea to avoid processed foods, fried foods, and have a whole-foods diet. Next in line would be to eliminate inflammation-causing food sensitivities from your diet, which can be tested for through a Naturopathic Doctor. An additional supportive measure for reducing inflammation is to add omega 3 fatty acids to the diet, or to supplement with fish oil.
Take probiotics and eat fermented foods! There are supposedly more healthy bacteria living in our gut than there are cells in our body! These little guys play many roles in our health. In regards to allergies, they help stabilize the immune system, and support proper digestion. Probiotics can be supplemented or obtained through eating fermented foods such as sauerkraut, kim-chi, tempeh, yogurt and kefir, and kombucha.
Nasal lavage: use a neti pot with warm water and sea salt daily during allergy season to clear the nasal passages and heal the nasal mucous membranes.
Avoid dairy and citrus: these are mucous producing and cooling to the body.
Include foods high in quercetin, an anti-inflammatory and anti-histamine flavonoid. There are high levels of quercitin in onions, apples, dark greens, red grapes, and green tea. Green tea is also high in catechin, which has a similar effect. Quercetin may also be supplemented, and is best started a month or two before allergy season hits.
Go nettle hunting! Fresh nettles can work wonders for allergies. Just make sure to wear gloves! Once you get them home and blanch them, they won't sting anymore. Make nettle tea, add them to stir-fries, make nettle-pesto, be creative!
NAC (N-Acetyl Cysteine): an amino acid that acts to break up mucous and is a potent anti-oxidant.
Vitamin C: enhances immune function, is a great anti-oxidant, and strengthens mucous membranes.
Wash your face or use a damp towel to get pollen out of your hair when you walk inside.
Use an air filter in your house.
For more information on current pollen counts and other environmental allergen info in your area visit the National Allergy Bureau's pollen and mold count by location.
Feeling blah? Would you like to feel lighter and more energetic heading into Summer? A dietary cleanse is a great way to care for yourself, rejuvenate, and reduce the toxic load in your body. Have a friend join you! This cleanse is open to current patients and the general public.
A nine-day dietary cleanse including 3 days of juice fasting.
A Craniosacral therapy session with Dr. Van Dusen to enhance your cleanse.
Detox supplements and home remedies to support you during the cleanse process.
A 50% discount on an individual follow-up visit with Dr. Van Dusen after the cleanse for those interested (new or return patients).
Deepened cleanse options and support if desired.
Classes will be Held at Vital Source Natural Medicine, 1111 West Holly St. Suite E.
Monday, May 9th, 6:30-8 pm: Intro to detoxification and cleanse guidelines.
Wednesday, May 18th, 6:30-8 pm: Food re-introduction, food sensitivities, cleanse support.
Wednesday, May 25th, 6:30-8 pm: Cleanse review, advice on reducing toxic exposures, and options for continuation of detoxification therapies.
May 10th-16th: Prep week, begin detoxification therapies.
May 17th-24th: Cleanse, Craniosacral sessions available.
*includes educational classes, detox supplements, and Craniosacral session.
*Participants will need access to a juicer, or be willing to purchase high-quality fresh fruit and vegetable juices for a total of 3 days.
Advanced Registration is required. Please sign up by Wednesday, May 4th.
Dr. Van Dusen will be giving a lecture on Daily Detox Strategies for Optimal Health this upcoming Monday, April 25th from 6:30-8 pm at the Butterfly Life Women's Fitness Center. She will present information on how our bodies naturally eliminate toxins and metabolic by-products, why these processes are vital to our health, and specific self-care therapies to help optimize them. The event is free and open to the public. Please sign up ahead of time at Butterfly Life: 2460 James St. in Bellingham, or call (360) 671-0669.


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Understanding Residential Landlord Obligations Under California's AB 3088
Owners of rental properties in California have been under unprecedented legislative pressure in 2020. Assembly Bill No. 3088, which Governor Newsom signed into law on August 31, makes temporary changes to important elements of the state's residential landlord-tenant laws. For landlords the law is a mixed bag.
AB 3088 partially shields tenants from unlawful detainer actions
Protecting renters who have been financially affected by the COVID-19 pandemic is the central legislative aim of AB 3088. The law places significant limits on a landlord's ability to evict a qualified tenant using an action of unlawful detainer.
An action of unlawful detainer is a legal process used by a landlord to recover possession of a property from a tenant who has refused to leave the property after the expiration or cancellation of a lease, or after the tenant has breached a covenant of the lease, including failing to pay rent. Unlawful detainer actions are designed to be fast: tenants have just five days to respond to the suit, and a trial can begin as soon as 20 days after the response period has expired. The prevailing landlord in an unlawful detainer action receives a judgment of possession, which allows the landlord to ask the local sheriff to physically remove the tenant from the property.
To qualify for the law's protections a tenant must have failed to pay rent due to "COVID-19-related financial distress." The bill provides a broad scope for what can qualify. It includes expenses from increased childcare obligations, loss of income, and illness. Tenants who are not "high-income tenants" need only provide a written declaration that they have been financially affected by COVID-19 to come under the law's protection.
The rules are slightly different for high-income tenants, which are defined as households with income more than $100,000 or whose income is at least equal to 130 percent of the median income for that county, as published by the California Department of Housing and Community Development (available here). Landlords may require additional proof of hardship from high-income tenants.
AB 3088 modifies a landlord's ability to evict a qualified tenant through an action of unlawful retainer in two important ways:
An unlawful retainer action cannot be pursued for unpaid rent accrued during the period of March 1, 2020 to August 31, 2020.
To be similarly protected for the period of September 1, 2020 to January 31, 2021, a tenant must pay at least 25 percent of the rent due by January 31. A tenant who fails to meet this requirement can be evicted by an action of unlawful retainer beginning February 1, 2021.
Any unpaid rent that is subject to the law's protections is converted to consumer debt. Landlords will have the option of pursuing unpaid rent that is converted to debt by filing a claim in small claims court beginning March 1, 2021.
Few protections for impacted landlords
A key weakness in AB 3088 is its lack of protection for landlords who are unable to service their mortgage debts due to a high volume of unpaid rents. For owners of most multifamily buildings, the bill does not protect against foreclosures or limit other lender options.
The law provides an exception for owners of residential properties with up to four units. Lenders to these "small landlords" are required to provide forbearance options and a number of additional notices and disclosures. These protections will remain in place until January 1, 2023.
Landlord obligations and options under AB 3088
Landlords who may be affected by AB 3088 will want to keep several important things in mind:
Additional notice requirements. AB 3088 adds extra obligations for landlords as they prepare notices to tenants about late rent. Among other things, landlords must provide an unsigned declaration of COVID-19-related financial stress and disclose the tenant's rights to use it. Notices to tenants that fall within the high-income bracket must incorporate specific wording set out in the text of the law.
Evictions for other reasons can continue. Landlords can still pursue eviction against tenants who have broken their leases for reasons other than financial distress related to COVID-19.
Additional fees for self-directed eviction actions. California law already prohibited landlords from taking steps such as turning off the electricity or water of tenants who have not paid rent. AB 3088 adds additional penalties between $1,000 and $2,500 for landlords who pursue such actions against tenants who have claimed COVID-19-related distress.
Work with your attorney. Although qualified tenants may be able to avoid paying rent in the short run, AB 3088 has not absolved them of an obligation to pay. Landlords need to be keeping adequate records that will permit them to pursue small claims actions if the need arises. We recommend landlords speak with an attorney about best practices to ensure legal recourse is an option when the grace period closes.
Pan American serves as a resource for our clients and their residents. We collaborate with outside counsel to stay current on the latest developments in the law and to shape creative solutions that help our clients and their residents navigate these complex times. Our staff receives attorney-led training on AB 3088 and is in regular contact with organizations that can help families that have been financially impacted by the pandemic.
AB 3088 and the bigger picture
With the pandemic's severity only getting worse as we head into winter, California landlords will need creative solutions to protect themselves. We anticipate the consequences of AB 3088 carrying forward well into 2021. When tenant protections expire the state will likely see a tsunami of eviction actions and small claims lawsuits. The state's already strained system will only be strained further, meaning slow outcomes.
Planning ahead in such times is difficult, but not impossible. By crafting clear-eyed financial strategies and fostering reliable relationships with tenants and sources of financing, a landlord can weather the storm.
At Pan American Properties we are continuously refining our strategies to help clients overcome the challenges COVID-19 has brought to our industry. To learn more about how we are working with clients to implement AB 3088 compliance at their properties, contact us today at (888) 754-9700 or by sending us an email.
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Why only one title challenging Don in Scotland squad?
Aberdeen supporters will have had mixed emotions following the announcement of Gordon Strachan's Scotland squads for the friendlies against the Czech Republic and Denmark.
Kenny McLean's inclusion is deserved recognition for the consistent displays of the former St Mirren captain for the Dons this season but the big surprise is that the midfielder was the only Don to make the 38 man squad for the two games.
When Strachan announced he would name two squads for the game hopes were high there would be a few from Pittodrie getting the call.
After all, with Aberdeen a point off the top of the Scottish Premiership in a fascinating title race, who wouldn't be taking a look at Derek McInnes' side for possible reinforcements?
Strachan's assistant Mark McGhee talked up the Dons' title prospects only yesterday but it appears being genuine challengers does not equal international prospect as far as the Scotland manager is concerned.
Alas, there will be no Graeme Shinnie, arguably the most consistent left back in the country for the past 18 months. He should have been capped when he played for Inverness and it is bewildering that his wait goes on despite continuing his form following his move to the Granite City.
Nor will there be a call for Ryan Jack or Mark Reynolds.
Whether the Dons captain or defender Reynolds should be there is open to debate but surely Shinnie should have been there?
Those of an Aberdeen persuasion expecting a condemnation at Kieran Tierney's call-up following a handful of first team appearances for Celtic should look away now as the youngster has been the success story of an otherwise challenging campaign for the champions so far this season.
Strachan clearly feels he has done enough to warrant inclusion and I agree. Get the lad in and see what he is made of.
But really, will Strachan learn anything he didn't know already about Steven Whittaker, Andrew Robertson or Charlie Mulgrew?
Perhaps we should be applauding the list of names, some of whom the average guy on the street has never heard of, and maybe the fact we can draw up a list of another dozen names who should be there augurs well.
But it doesn't feel like it right now.
However, under every cloud is that silver lining and with Celtic having seven players called up to the two squads, McLean's position as the lone Don may not be a bad thing after all.
In this, the tightest of title contests, the chance for his players to recharge the batteries during the international break will be welcomed by McInnes and the Red Army.
But forget club allegiances for one moment. As far as the national interest is concerned, Shinnie's omission in particular feels like an opportunity missed.
Maybe next time. But I wouldn't bet on it.


Are bugs taking the fun out of your active outdoor lifestyle? Natural bug repellents are a great option to keep outdoor insects at bay without exposing yourself to synthetic pesticides. And there are many effective non toxic and less toxic options bug repellent options available for what's bugging you.
DEET Based Repellents – Are They Safe?
DEET (N, N -Diethyl-meta-toluamide) is the most common pesticide in bug sprays. Many of you may be worried about the safety of using DEET. According to the Agency for Toxic Substances and Disease Registry (ATSDR) there have been fewer than 50 cases of significant toxicity from DEET exposure have been reported in the medical literature over the last 45 years. These cases include severe skin irritation, blistering, and burning in some individuals. Frequent or prolonged topical applications of DEET may result in central nervous system toxicity and there have been a few cases of reproductive and developmental effects.
In animal studies DEET has been shown to cause neurological and behavioral effects, including ataxia, locomotor impairment, restlessness, seizures, encephalopathy, respiratory distress, neurotoxicity, and even death.
If you would like to avoid DEET I can tell you from personal experience that there are lots of natural pesticide options. I've hiked and camped all over the country and have protected myself from marauding packs of mosquitoes and flies using only non toxic and natural methods.
The Swatting Method – my personal favorite - but not for everyone.
Bug Barrier Clothing – This lightweight, usually polyester mesh clothing, is an effective insect shield against all types of biting bugs. My Bug Baffler shirt saved me from exsanguination during a June camping trip to the UP of Michigan.
Although completely non toxic, (this is NOT clothing treated with permethrin) the polyester mesh is a bit scratchy. Bugshirt.com offers a 100% cotton version. You may feel somewhat silly while wearing these bug barriers, but they are great alternatives to applying insect repellent.
Cedar Oil – Cedar oil is my go-to bug solution becomes it acts as both a repellant and an insecticide. Plus, I love the smell. I've used Wondercide products as an outdoor insect repellant and as an indoor insecticide.
Picaridin: Picaridin is structurally based on chemicals in pepper and appears to interfere with the mosquito's ability to smell its prey. It may be listed on products as KBR 3023 or by its chemical name, 2-(2-hydroxyethyl)-1-piperidinecarboxylic acid 1-methylpropyl ester. It has been widely used in Europe and Australia and has been available in the U.S. since 2005. Picaridin is odorless, non-greasy and does not irritate the skin.
Safety – Although there is limited data, the studies I read indicate that picaridin has very low toxicity and does not appear to cause adverse neurological or reproductive effects.
Effectiveness – Available in 7% to 20% concentrations (providing protection from mosquitoes and/or ticks for 4-10 hours).
If you still plan to use DEET-based products follow the guidelines below to protect your health.
"To prevent the possibility of adverse effects, products containing DEET should not be used on children younger than 2 months of age. For children over 2 months and for adults, the use of a product with a concentration no greater than 30% DEET is advised. Use the lowest concentration DEET product that will provide adequate protection. Reapply the repellent only after effectiveness diminishes with time.
DEET - <30% concentration is considered safe by the CDC, American Academy of Pediatrics, and the EPA.
Natural pesticides are an effective way to keep the bugs away and also protect your health. So there's no reason not to try some of the many natural bug repellents available.


The Hindu has made available a copy of the judgement of John Michael Cunha J. in the case of State vs. Selvi. J. Jayalalitha (pdf). The judgement exposes the intricate arrangements that were made to launder the huge amount of cash credits that were received by J. Jayalalitha (former Chief Minister of Tamil Nadu) from alleged corrupt means. The judgement also raises disturbing questions as to the role of the auditors of the front companies in seeking to camouflage the true nature of the transactions. A few passages from the judgement are noteworthy.
(iii) Mere declaration of property in the Income Tax returns does not amount to showing the same was acquired from the known source of income. The prosecution could show that, there was no real source of income with the assessees and the public servant is the real source. In the instant case, the prosecution has succeeded in proving beyond reasonable doubt that the only source for the acquisition of the large assets is A-1 (J. Jayalalitha) herself.


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