Home » News » Housing Market » Buy-to-let mortgage stress test shock previous nextHousing MarketBuy-to-let mortgage stress test shockBank of England announces new curbs on buy-to-let lendingSheila Manchester30th September 20160854 ViewsHOT TOPIC This story is being discussed in the forum nowThe Negotiator says:Buy-to-let could well be damaged by lending limitsHave your say Can buy-to-let work with new limits? As mortgage approvals continue to fall – down to 60,058 in August from 60,925 in July – buy-to-let lending is also likely to decrease with the latest news from the BoE’s Prudential Regulation Authority (PRA) which has confirmed that a series of investors’ affordability checks and interest rate “stress tests” will be introduced from January 2017.Buy-to-let lenders will be required to verify that landlords can afford to pay the mortgage under potential future interest rates of 5.5 per cent, as the PRA recommended that the interest coverage ratio, a commonly used measure of the ratio of rental income to mortgage payments, does not fall below 125 per cent.Affordability assessments will need to take into account borrower’s costs, personal income and possible future interest rate increases, with lending to portfolio landlords to be assessed using a specialist underwriting process.“The PRA’s actions are intended to bring all lenders up to prevailing market standards and guard against any slipping of underwriting standards during a period in which firms’ growth plans could be challenged by the changing economic landscape and the impact of forthcoming tax changes,” it said.Peter Williams, Executive Director of Intermediary Mortgage Lenders Association (IMLA) said, “IMLA welcomes the decisions published in the PRA’s expectations for buy-to-let underwriting standards, which are broadly in line with industry’s expectations. They offer a sensible way forward, setting sector wide baselines while at the same time allowing for firm discretion to be exercised.“We are encouraged that the new standards are to be implemented in a sensibly phased way over the course of the next year. In the interests of a stable market for buy-to-let mortgages and housing overall, this 12 month window should now be allowed to unfold free from additional change and upheaval.“Some points of contention remain. There will be continuing concerns about the level playing field with firms outside of the PRA regime, though that is now clearly on the agenda of both the FCA and Bank of England. The use of a borrower minimum interest rate of 5.5% will also remain a source of tension, not least if interest rates fall again.“Since the consultation was first announced, we have seen BTL activity slow considerably – especially in the purchase market – which was entirely predictable following a host of fiscal and regulatory actions affecting landlords. Separate market data from the Bank of England today is also a timely reminder that the post-Brexit landscape remains unclear, with overall mortgage approvals having dipped in August as summer set in.“The PRA’s goal of making best practice an industry standard for BTL lending and ensuring activity is sustainable remains entirely valid in this new landscape. At the same time, the new housing minister has also made clear that a good, thriving private rental sector remains important to the overall health of the UK’s property market and its ability to satisfy people’s housing needs. Access to mortgage finance is a vital part of this equation and as landlords continue to absorb changes to stamp duty and mortgage interest relief, some breathing space is needed so the market can progress into 2017 and beyond on a secure and stable footing.” HOT TOPIC This story is being discussed in the forum nowThe Negotiator says:Buy-to-let could well be damaged by lending limitsHave your say Can buy-to-let work with new limits?investor mortgage Bank of England BoE buy-to-let September 30, 2016Sheila ManchesterRelated articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
This weekend, Umphrey’s McGee will return to the South, with a four-night run across Florida and Tennessee. Starting off tonight, Thursday, August 16th, the band will kick off the run with a stop in Orlando, Florida. From there, the band will continue their mini-tour through Florida, with stops in Miami Beach on Friday and St. Augustine on Saturday. To round out this weekend’s run, on Sunday, August 19th, Umphrey’s McGee will finish out the weekend strong with a performance in Knoxville, Tennessee.Today, the band has announced that each of its four upcoming show this weekend will be available to view from home as a webcast. Via Tourgigs, Umphrey’s is offering individual show webcasts as well as a four-night package. For more information and to purchase, head to Tourgigs.com here.
Alabama singer/songwriter Jesse Payne returns with another collection of sonic paintings.Birmingham, Alabama, is fast becoming one of my favorite Southern musical cities.St. Paul & The Broken Bones. Lee Bains III & The Glory Fires. Banditos. Duquette Johnston. All of these artists hail from Birmingham. This blue collar town in central Alabama – also home to the Sloss Music & Arts Festival – is now a hot bed for some of the best in Southern music.Go ahead and add Jesse Payne to the list above.Payne will be releasing his latest record, Heirloom, on August 14th. A self-described “audio painter,” Payne treats his guitar more like a paint brush. His songs are sonic landscapes, vivid and lush, nearly tactile in their depth.Having spent much time with Jesse Payne’s new record, I can attest that it is aptly named. This is certainly a collection of tunes that will be willingly passed on for years to come.I recently chatted with Jesse about heirlooms, the new record, and favored outside spaces.BRO – This record was a long time in the making. How does if feel now that it is coming out?JP – Yes, it was! It’s a bit surreal, and the excitement has been building for quite some time. I can’t wait for it to finally see the light of day!BRO – Your music makes me want to get outside. Do you have a favorite outdoor getaway?JP – Smith Lake in Alabama is a place that my family has gathered for years. A lot of good memories and beautiful scenery. I feel at peace when I am there.BRO – We are featuring “Ravens” on this month’s Trail Mix. What’s the story behind the song?JP – I’m fascinated with birds, specifically owls and corvids. While I was writing for Heirloom, I had listened to a report done on a study that explains how corvids can understand the concept of time passing. One of the observations was that ravens would stash food in a secure location and would return to it after a period of time. If the bird noticed someone or something untrustworthy watching while it buried the stash, it would return fifteen minutes later and move the stash. I felt this was quite apropos to some things that I have recently survived. This song is about me realizing that it’s time I moved my stash.BRO – The title of the record is Heirloom. Have any family heirlooms in your possession that you hold dear?JP – I have quite a few. My family is big on passing down history from one generation to the next. I was raised in this atmosphere, so even me believing in passing down history is a family heirloom within itself. One of my favorite heirlooms that I have is my great-grandfather’s Masonic ring. My grandmother gave it to me just before she passed. I think of her every time I see it.BRO – Along the same lines, what might an heirloom be that you would like to leave behind?JP – My brother gave me a beautiful book with an owl head on the cover a few years ago. It was full of blank pages. I use it to write down all of my finished lyrics from songs that have been released. Hopefully, by the time I leave it behind, there won’t be as many blank pages.Want to hear a little of what Jesse Payne is offering on the new record? Bounce on over to this month’s Trail Mix and take a listen to “Ravens.”Plans for a big tour celebrating the release of Heirloom are coming together. However, if you are in or around Birmingham on August 15th, you can catch Jesse at Saturn Birmingham.For more information on Jesse, tour dates, or how you can find a copy of the new record, check out his website.
LGPS Central was set up to pool the assets of nine local government pension schemes based in the Midlands. They have around £44bn in assets under management collectively, with LGPS Central currently responsible for advising and managing around £20bn of this total. LGPS Central has selected Fidelity and Neuberger Berman from over 70 fund managers bidding to run a global investment grade corporate bond fund for the UK public pension pool.The two managers will be responsible for half of the mandate each. LGPS Central did not disclose the size of the total mandate, but in November it tendered for a £2bn (€2.2bn) fund.Gordon Ross, investment director for fixed income at LGPS Central, said it chose Fidelity and Neuberger Berman “because of their global reach as well as their strong presence in the UK”.“It’s clear they follow robust processes that are repeatable across all credit markets,” he added. “We’re certain they will help us to ensure our partner funds’ investment objectives are met.” “We’re certain [these managers] will help us to ensure our partner funds’ investment objectives are met”Gordon Ross, fixed income investment director, LGPS CentralLast month, the pool launched a private equity platform targeting £2bn. In January it named three emerging market equity managers for a £1.5bn mandate, and last year it launched a £2bn global active equity fund. Around a quarter of the £274.6bn assets held by local authority pension funds in the UK are now pooled in some form. A recent consultation paper from the government set out a new “deadline” for pooling of 2020, after which all new investments by individual pension funds must utilise one of the pools, with few exceptions. Further readingLGPS pooling: Funds under pressure to comply A consultation paper sent out by the Ministry of Housing, Communities and Local Government in January to LGPS funds has heightened tensions between policymakers and pension funds, reports Nick Reeve
Kurt Zouma says that his Chelsea team-mate Diego Costa “likes to cheat a lot” after his bust-up with Gabriel got the Arsenal defender sent off.Zouma made the remarks in a post-match TV interview with Qatari network beIN Sports, reported by the Daily Mirror, following Chelsea’s 2-0 win over Arsenal on Saturday.Reporter Carrie Brown asked the Frenchman: “Of course Arsenal will feel hard done-by, they will claim you should have had a player sent-off in Diego Costa but this is a player that’s famed for riling other players isn’t it? Are you surprised that they reacted in this way?”Zouma replied: “No, we’re not surprised because we know Diego. Everyone knows Diego and this guy likes to cheat a lot and put the opponent out of his game.“That happened in the game but he’s a really nice guy. We’re proud to have him, like the other players, and we’re happy to win this game today.”The incident began when Costa grappled in the box with Laurent Koscielny, swinging his arm into the defender’s face before the two squared up and the Spanish striker shoved him to the ground. Gabriel helped his team-mate up and a lengthy dispute between the defender and Costa erupted. Both were booked by referee Mike Dean before Gabriel then kicked out at the striker.The defender received a straight red card and had to be escorted off the pitch by a match-day steward.The pair have previous from their days in Spain when Gabriel, then at Villarreal, went to ground theatrically after receiving a nudge from the then Atletico Madrid striker.Costa is waiting to hear whether he will face retrospective action from the FA for his role in the incident that led to Gabriel’s sending off at Stamford Bridge.– Follow Joy Sports on Twitter: @Joy997FM. Our hashtag is #JoySports
Share Facebook Twitter Google + LinkedIn Pinterest Presented by: Agro-Culture Liquid Fertilizers See results from the I-71 Route of the 2015 Ohio Crop Tour for Day #1 See results from the I-75 Route of the 2015 Ohio Crop Tour for Day #1 See results from the I-75 Route of the 2015 Ohio Crop Tour for Day #2 See results from the I-71 Route of the 2015 Ohio Crop Tour for Day #2Williams County (Southern)Corn Summary: Looks like the field was initially wet early in the season then things dried out. There was some N deficiency and more disease pressure on the outside of the field, though overall low disease levels. The fields was at R2 as it had a late start. The field is fair but pretty good compared to surrounding fields, but it is awfully late. It will make a crop but it will be wet and has a ways to go. It had a shallow kernel depth and a yield of 148 bushels per acre.Soybean Summary: Soybeans looked good to excellent and the stand was even. No disease or insect pressure. Population was 200,000 to 217,000. Canopy height was 32 to 34 inches and drilled at 7.5 inches. Field is dried and cracking and will probably yield in the mid-40s. Plants were not branching much and the nodes were fairly far apart with first node six inches off the ground.Williams Co. cornWilliams Co. cornWilliams Co. beans and dry soilDefiance County (West Central)Corn Summary: Corn plants were generally pretty short and showing significant N stress. There was little disease and insect pressure. The ears were very small and in R1 or R2 stage, very delayed for this time of year. The field was maybe a bit worse than surrounding fields and was rated poor. The yield estimate was 113 bushels per acre.Soybean Summary: Good even canopy at 23 inches tall. Drilled beans. The first node was four inches up and there was no disease pressure. We saw some limited feeding on the leaves. The nodes were closer together and the plants had a bit more branching than the Williams County field.The population was around 230,000 with a yield potential maybe in the low 40-bushel range with fair potential. We have been seeing much more prevented planting than we expected, especially in corn stalk ground going to beans.Defiance Co. cornDefiance Co. cornDefiance Co. beansDefiance Co. beans Henry County (Central)Corn Summary: Stand was at 32,5000 and relatively even despite reported extreme early season variability. Field was planted on May 3. No insect pressure and very little disease pressure. A little bit of NCLB. The best field of the day and fairly representative of the area. Things have really improved with better weather lately. At the R3 stage, though development is variable, and by far the furthest along of any field we have seen. Yield estimate 159 bushels.Soybean Summary: There was some variable height across the canopy and good population through out. Planted in 15-inch row spacing and very good nodulation on the roots. The canopy height was around 33 inches and the first node was four inches off the ground and 2.5 inches between the nodes. Little to no disease and insect pressure. Pod set was all the way to bottom with many three bean pods. Yield potential is good, maybe 50 bushels, and the best we have seen so far.Henry Co. cornHenry Co. cornNodules on Henry Co. beans.Henry Co. beansWood County (Southwestern)Corn Summary: Uneven stands with flood damage, poor stalk quality, tops falling out, high disease pressure and N loss. It was a non-GMO field planted May 2. There were leaves turning purple throughout the plant. Some ears almost at dent in mature field of the day. Heavy European corn borer feeding, tip back, zipper ears, inconsistent stand, and generally poor field with many problems. The high population of 35,000 is only thing saving yield potent in this extremely variable field. One of worst looking fields in the area. Yield estimate is 136 bushels.Soybean Summary: Good but uneven height from 24 to 36 inches tall. The first node was 3.5 inches off the ground with2 inch node spacing. Rain will really help this field. Population of 156,000 with no disease or insect pressure. Field was sprayed late, after wheat harvest. Overall good yield potential here with pods filling and probably the best field of the day — one of the better fields in the immediate area.Wood Co. cornWood Co. beansWood Co. beansHancock County (West central)Corn Summary: This was 110-day corn planted April 30 at 34,000 population in 15-inch rows. We counted 33,000 to 34,000 population. Has had sulfur applied at planting and sidedressing. Light disease pressure and no insect damage. On the lighter ground ear fill was marginal with some tip back but on better ground filled to the end. The good ground had 16 rows around and averaged 205 bushels. Excellent field and the best of the trip so far. Yields were 135 on the poorer ground. Yield estimate 200 bushels.Soybean Summary: Even and consistent stand with canopy height at 41 inches. They were very bushy with many branches. The first node height was two inches and the first pod was at six inches. There were some four bean pods with 2.5 inches between the nodes. No disease pressure but there was some Japanese beetle pressure worth watching. There had been some foliar applications of manganese, boron, and NPK. The population was 126,000 and was planted at 140,000 population. Best field of the morning for soybeans — good to excellent.Hancock Co. cornHancock Co. cornHancock Co. beansHancock Co. beans with some Japanese beetle feeding.Putnam County (Central )Corn Summary: It is starving for N. It was an even stand but only five to six feet tall. There is quite a bit of GLS and NCLB. There is corn borer feeding in possible refuge corn. There was a population of 33,000. There are zipper ears and tip back that shows signs of extreme early season stress from moisture. Now it is in need of water. Very poor field. There was more variability at the Wood County site which actually helped it there. This field was just consistently bad. Yield estimate at 119 bushels.Soybean Summary: This is the worst field of the day. It is in 15-inch rows and not canopied. Tile lines are evident. It is highly variable with an average height of 25 inches or so. There were big holes in the field with nothing in the low areas. They have been flooded and now need moisture. Poor nodulation in the field. Two inches between the nodes. Pods are small and beans are small. Poor, poor, poor conditions. The population was 94,000.Putnam Co. cornPutnam Co. cornPutnam Co. beans Paulding County (Southeastern)Corn Summary: Uneven field and tile lines are easy to find. Heavy weed pressure due to wet conditions and no chance to apply herbicide. Rains washed residuals away. N deficiency is a significant problem. No real disease or insect pressure, other than physoderma brown spot. Ear development is poor. with a generous yield estimate of 70 bushels in this very poor field. Soybean Summary: There was a plant population of 83,000 due to water laying in the fields. There were few pods set but the plant was still in bloom and there is still potential to add yield if they get some rain and the growing season is long enough. The canopy was only 20 inches tall and the 15-inch rows had not yet closed. The ground is cracking wide open and needs some water. No disease or insect feeding was found. This was by far the worst stop so far after some very clearly challenging conditions. The low population will mean some lost yield. Paulding Co. beansPaulding Co. beansPaulding Co. cornPaulding Co. corn Van Wert County (South central)Corn Summary: The population was 31,000 planted on May 8. The field had spindly stalks and small leaves. There was a little disease pressure and some corn borer feeding. The plants were short and at R2. It was very uneven following tile lines. There had clearly been quite a bit of rain early in the season here. It has gotten rain but could use more to bump yields up a bit. The plants looked healthy but had small ears. This was a poor field overall. The yield estimate is 110 bushels per acre. Soybean Summary: These were planted in 10-inch rows at 180,000 population on May 21. The final population we counted was 115,000. The canopy height was variable from 12 inches tall to 21 inches tall. It was three inches to the first node and 4.5 inches to the first pod. No disease or insect problems. A lot of the pods had beans in them and they still have potential for 35 or 40 bushel yields. Overall it was fair compared to other places in NW Ohio.Van Wert Co. cornVan Wert Co. cornVan Wert Co. beans Allen County (Southeastern)Corn Summary: This is the best corn field of the day so far. It was planted on May 5 with 32,000 plants per acre. We found a stand of 31,000. There was no disease or insect pressure and ear fill was excellent. There were no real N issues. It was among the better fields in the area. No fungicide had been applied. The moisture was adequate. Excellent fie;d and yield potential. Yield estimate is 201 bushels.Soybean Summary: This was a 3.3 maturity bean planted at 150,000 population in 15-inch rows on May 8. The canopy was 38 inches. It was eight inches to the first pod and 2.25 inches between nodes. There was really good nodulation on these beans. There was no major disease and some light feeding from Japanese beetles, especially at the field edges. The final population was at 130,000 in this excellent field, the best of the day.Allen Co. beansJapanese beetle on Allen Co. beansAllen Co. cornAllen Co. corn Auglaize County (South central)Corn Summary: Corn was pretty well advanced, around R3 or R4. These were some of the fullest ears we have seen today but there were signs of N deficiency. Disease pressure was light. Ear fill was generally good, though there was some tip back. It was an overall excellent field. We ended up with 32,000 plant population with a yield estimate of 160 bushels.Soybean Summary: Soybeans were in 15-inch rows and 38 inches tall. There was excellent nodulation on the roots and they were almost done blooming. It was about two inches to the first node and three inches to the first pod and 2.5 inches between nodes. We did see some frogeye and a little white mold. There was some mild Japanese beetle damage. There was a population of 163,000 plants per acre in this excellent field.Auglaize Co. beansWhite mold in Auglaize Co. beans Auglaize Co. cornAuglaize Co. corn
The Pacing QuestionerPulp Fiction was a stylistic tour de force that put Tarantino on the map, introducing us to many of his visual signatures. In one of the first scenes, where Jules (Samuel L. Jackson) interrogates his prey, Brad sits in a seat as Jules paces back and forth in front of him. The camera follows him as he walks, turns, and looms over Brad, before finally shooting him. The tight framing means that the camera pans back and forth as Jules stalks his prey, turning what could have been a straight exchange between two men into a tense standoff.Tarantino’s framing and blocking mirrors the psychological game Jules is playing with Brad, going from friendly to menacing and back to friendly, as the frame goes from wide to extreme closeup and back to wide. French OversFrench overs originally came from the difficulty of getting a camera in front of actors in a car scene. Instead of the kind of typical side coverage you’d shoot of two actors on a couch, French overs capture the scene from behind, so you only get part of the actor’s face in their close-up, and are far from the eyeline.Even outside of the car scenario, French overs are a great way to shoot a scene — making it seem like the two characters have something to hide. It’s perfect for spy thrillers — or anytime the characters know things the audience doesn’t. We are outside of their personal space, peeking into the conversation and unable to read their full expressions. Here are three ways some leading filmmakers have broken new ground and freshened up what could otherwise be shoot-by-numbers footage.If you shoot many dialogue scenes, it’s easy to fall into a routine — a wide to mid shot, then matching over-the-shoulder shots, with some clean singles for coverage. The characters might be facing each other (or side by side), but this formula pretty quickly becomes stale, unless you find new ways to approach it. So here are a few angles you might want to consider to mix things up.High, On-Axis SingleFor the Academy Award-nominated cinematography of The Grandmaster, Philippe Le Sourd decided to shoot some clean singles of the actors, not to one side of their eyeline but above it. The result certainly looks different and is undeniably engaging because it’s in line with the eye. It distorts the face in a new way that makes us feel as though we’re standing behind the character being spoken to, instead of to the side. The Girl in the Spider’s Web.The traditional approaches to shooting a scene can be great to fall back on if time is tight or you don’t have a lot to work with. A scene shot this way allows for plenty of options in the edit, but it’s no substitute for approaching your subjects with imagination and experimentation. Even the most pedestrian dialogue is an opportunity to find and express something about the characters and their world.Cover image via The Girl in the Spider’s Web (Columbia Pictures).Looking for more cinematography tips and tricks? Check these out.Pocket 4k and Pocket 6k Owners – BRAW Comes To Premiere ProHow to Develop and Shoot Memorable Character IntroductionsLearn Francis Ford Coppola’s Signature Dolly MoveIs Autofocus Finally Ready to Take The Filmmaking Field?From “True Lies” to “Die Hard”: Simple-Yet-Brilliant Costume Designs
NEW ORLEANS, LA – JANUARY 01: Ezekiel Elliott #15 of the Ohio State Buckeyes runs the ball against the Alabama Crimson Tide during the All State Sugar Bowl at the Mercedes-Benz Superdome on January 1, 2015 in New Orleans, Louisiana. (Photo by Streeter Lecka/Getty Images)Ohio State running back Ezekiel Elliott appeared as a guest on ESPN’s Highly Questionable this afternoon. Co-hosts Bomani Jones and Dan LeBatard asked him about his toughest game as a player, his class attendance at Ohio State, what his mom said about him questioning the OSU coaches after losing to Michigan State (he wouldn’t answer), and other topics. But LeBatard’s father Gonzalo, affectionately known as “Papi”, stole the show. He asked Elliott how to wear his trademark “crop top” look and then proceeded to turn his dress shirt into one after Elliott gave him a tutorial. @EzekielElliott just showed Papi how to make his shirt into a crop top pic.twitter.com/bfQNmtoiwz— Taylor Ashbrook (@TA2014) February 15, 2016Papi’s crop top @HQonESPN pic.twitter.com/mKNy73tPAY— Joe (@realmarlina) February 15, 2016Never change, Papi.
New Delhi: The Supreme Court asked the Election Commission on Thursday to pass “necessary orders” on a representation seeking advancing of the voting time to 5 AM from 7 AM for the remaining phases of the Lok Sabha polls due to heat wave conditions and onset of the holy month of Ramzan.A plea in this regard was mentioned for urgent hearing before a bench headed by Chief Justice of India Ranjan Gogoi. The bench, also comprising justices Deepak Gupta and Sanjiv Khanna, took the petition on board and said, “The Election Commission of India is directed to pass necessary orders. The writ petition is disposed of in the above terms.” Also Read – 2019 most peaceful festive season for J&K: Jitendra SinghThe petition, filed by advocates Mohammad Nizamuddin Pasha and Asad Hayat, sought advancement of polling hours by two to two-and-a half hours, for voting to commence from 4.30 or 5 AM instead of 7 AM, in the remaining phases. “The petitioners pray for a direction to the Election Commission of India to extend the polling hours during the fifth, sixth and seventh phases of the ongoing general elections, 2019 on May 6, May 12 and May 19, respectively, by 2-2.5 hours so as to commence at 4:30/5 AM (instead of the notified time of 7 AM) on account of the unprecedented heat waves prevailing in several parts of the country and the onset of the holy month of Ramzan,” the plea said. Also Read – Personal life needs to be respected: Cong on reports of Rahul’s visit abroadThe plea said that Ramzan, the holy month of fasting for Muslims, is likely to commence from May 6, the day of fifth phase of voting in the Lok Sabha elections. It said that during Ramzan, Muslims keep fast and do not consume food or water from one and a half hours before dawn till dusk every day. The petitioners said they had given a representation to the Election Commission on Monday last in this regard, but the poll panel has not responded to it. “On April 29, a representation was made to the respondent (EC) on this behalf bringing the aforesaid facts to its notice and requesting it to extend the polling hours in the fifth, sixth and seventh phases of the general elections 2019 so as to commence at 4.30 or 5 am instead of 7 am but no response has been received so far,” the plea said. It also said that Indian Meteorological Department has issued warnings indicating severe heat wave conditions over the next few days, with temperatures rising up to five degree celsius than normal in poll bound areas of Madhya Pradesh, Bihar, Haryana, Delhi, Chandigarh, Jharkhand, Rajasthan and Himachal Pradesh. The plea said that the harsh weather conditions would make it difficult for Muslims to go out and vote. “In the intense heat, it will be very difficult for Muslim voters to queue up at the poling booths during the day in the intense heat to exercise their franchise. During Ramzan, most practising Muslims stay up for an early morning meal and sleep after the morning prayer,” it said. “Thereafter, they avoid going out in the heat to the extent possible to avoid thirst, dehydration and the possibility of a heatstroke. Therefore, in the present weather conditions, a lot of Muslim will be unable to go out to exercise their franchise,” the plea said.