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The sys admin's daily grind: login mail
Charly often gets suggestions and ideas for his column at community get-togethers. Last week, he picked up a tip for an early warning system that quickly secures login attempts.
Some servers I don't log in to for weeks on end. On machines like this, the danger of intruders being able to log in without my noticing is fairly high. And if attackers do manage to crack open a victim's computer, they will do everything they can to cover their tracks. This includes removing all traces of the login from the logs, which makes it more or less impossible to ascertain the exact time of the attack and – what's more important – the attacker's IP.
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Tag Cloud
Fedora Developer Announces New Partition Manager
New tool will look like GParted but support a wider range of storage technologies.
Mozilla Releases a New Firefox
New public key pinning feature will help prevent man-in-the-middle attacks.
Tool Predicts Which Websites Will be Compromised
Carnegie Mellon researchers say 3 million pages could fall down the phishing hole in the next year.
SSH Key Management Guidelines
The US government rolls new best-practice rules for protecting SSH.
Knoppix 7.4 Released
Klaus Knopper announces the latest version of his iconic Live Linux system.
PHP Attack Puts WordPress and Drupal at Risk
All websites that use these popular CMS tools could be vulnerable to denial of service attacks if users don't install the updates.
Heartbleed Bleeds On
According to a report, many potential victims of the Heartbleed attack have patched their systems, but few have cleaned up the crime scene to protect themselves from the effects of a previous intrusion.
Drone Brain Goes Open Source
DARPA and NICTA release the code for the ultra-secure microkernel system used in aerial drones.
Password Management Services Vulnerable to Attack
Should you trust an online service to store your online passwords?
New Raspberry Pi Adds Two USB Ports
New B+ board lets you build cool things without the complication of a powered USB hub.


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5 U.S. Code § 8418 - Survivor elections; deposit; offsets
(1) An individual who makes an election under subsection (b) or (c) ofsection 8416 or section 8417 (b) which is required to be made within 2 years after the date of a prescribed event shall deposit into the Fund an amount determined by the Office (as nearly as may be administratively feasible) to reflect the amount by which the annuity of such individual would have been reduced if the election had been in effect since the date of retirement (or, if later, and in the case of an election under such section 8416 (b), since the date the previous reduction in the annuity of such individual was terminated under paragraph (1) or (2) of section 8419 (b)), plus interest.
(b) The Office shall, by regulation, provide for payment of the deposit required under subsection (a) by a reduction in the annuity of the employee or Member. The reduction shall, to the extent practicable, be designed so that the present value of the future reduction is actuarially equivalent to the deposit required under subsection (a), except that the total reductions in the annuity of an employee or Member to pay deposits required by this section shall not exceed 25 percent of the annuity computed under section 8415 orsection 8452, including adjustments under section 8462. The reduction required by this subsection, which shall be effective at the same time as the election under section 8416 (b) and (c) orsection 8417 (b), shall be permanent and unaffected by any future termination of the marriage or the entitlement of the former spouse. Such reduction shall be independent of and in addition to the reduction required under section 8416 (b) and (c) orsection 8417 (b).
(c) Subsections (a) and (b) shall not apply if—
(1) the employee or Member makes an election under section 8416 (b) or (c) after having made an election under section 8420; and
Source(Added Pub. L. 99–335, title I, § 101(a),June 6, 1986, 100 Stat. 530; amended Pub. L. 103–66, title XI, § 11004(b),Aug. 10, 1993, 107 Stat. 412.)
1993—Subsec. (a)(1). Pub. L. 103–66, § 11004(b)(1), struck out ", before the expiration of the 2-year period involved," after "into the Fund".
Subsec. (b). Pub. L. 102–66, § 11004(b)(2), amended subsec. (b) generally. Prior to amendment, subsec. (b) read as follows: "If the electing individual does not make the deposit required under subsection (a), the Office shall collect such amount by offset against such individual's annuity, up to a maximum of 25 percent of the net annuity otherwise payable, and the individual is deemed to consent to such offset."
Effective Date of 1993 Amendment
Amendment by Pub. L. 103–66effective on first day of first month beginning at least 30 days after Aug. 10, 1993, and applicable to all deposits required under section 8339 (j)(3) or (5), 8339 (k)(2), or 8418 of this title, on which no payment has been made prior to such effective date, with provision for partial deposit, see section 11004(c) ofPub. L. 103–66, set out as a note under section 8339 of this title.
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subset: commoncrawl


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The 2013 Ride Machete is amazingly fun to ride and virtually indestructible! The Machete can take some serious abuse in the park and locks into street jibs with it's LowRize rocker profile that delivers massive pop while remaining playful enough to lock in a press on just about anything you can find. The Pop Rods dish up extra power for big gaps and less washed out landings in the battle zone. Make the choice to step up your riding game and cut the competition in half with the new 2013 Ride Machete.
I got this board for christmas and its incredible. The camber technology really allows you to do things you cannot usually do on normal snowboards. It can spin on a dime, and this board does well with my aggressive carving. This board is fast! (might be because it is brand new but i ride much faster than i ever had before) this board is stiff and it is so responsive. I thought jibbing is better on felxy boards, but i was wrong. I have had the best rail sessions with this board so far. Jumps are this board's strong point. It can spin so well! BTW, this board is rediculuouly light. I was afraid of the graphics being too flashy but it ended up looking like I have a neon underglow when I ride. Sick all mountain board. Definately recommend.


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Brace yourself, kids: Nicky Hilton's bag collection is about to make your head explode. You should probably ask friends and loved ones to move out of your immediate vicinity, lest they get any on them. If you don't heed that warning, well, it's not my fault. None of this is my fault. It's all Ms. Hilton's. I'm just a middle man. And I know what you're thinking: Nicky Hilton? YES, THAT WAS MY REACTION TOO. I share in your incredulity.
Now that you're all properly prepared like front-row attendees at a Gallagher show in the 70s, we can begin. Nicky Hilton has (and has been photographed with) basically every bag that's been popular since I first became aware of designer handbags circa 2002. Every It Bag from the Chloe Paddington to the Celine Luggage Tote is represented here, plus a lot of other beautiful bags along the way. If you don't believe me, I've got all the evidence you could ever need below.


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ENTRY INFORMATION – ENTRY FORM – CIDER CATEGORIES – JUDGE SCORESHEETS [coming soon]
Thank you for your interest in the Portland International Cider Cup. Scroll down to see a complete set of competition rules. To download the entry form, please click here.
Planning Committee:
Nat West, Reverend Nat's Hard Cider, firstname.lastname@example.com
Abram Goldman-Armstrong, BJCP National Judge and writer for Northwest Brewing News, firstname.lastname@example.com
Dave White, Whitewood Cider and current president of the Northwest Cider Association, firstname.lastname@example.com
Mark Crowder, Rainbarrel Cider, firstname.lastname@example.com
Mark Crowder, email@example.com
Registration and Entry Window:
Registration forms and cider entries will be accepted from May 31st through 10 PM on June 17th, 2013. Registration forms must be accompanied by cider entries and may be mailed or submitted in person.
Cidery Eligibility:
Entrants must be a licensed cidery producing cider in the territory of the Northwest Cider Association which is currently Oregon, Washington, Western Montana, Idaho and British Columbia. Ciders made in the territory but not sold by a cidery licensed in the territory may not enter.
Cidery Entry Eligibility:
1. All entries must be currently available for sale or destined for sale in the near future.
2. All entries must be made with 90% or more by volume apple juice not from concentrate.
3. All entries must be made within the territory of the Northwest Cider Association. This means that cideries in other states making cider via a contract with a producer in the region may not enter their ciders.
Entry Fee:
$50 per entry for members of the Northwest Cider Association. $75 per entry for non-members of the Northwest Cider Association. Entry fees go to lunch for the judges, award medals and to the purchase of the Cup.
Payment Method:
With a mailed registration form and cider entries or a registration form and cider entries delivered in person, payment may be made via check or cash. Credit cards are accepted over the phone or in person with an additional 3.5% fee. ($1.75 and $2.63 added to the above entry fee.) PayPal is also accepted via email@example.com.
Judging Date & Location:
Reverend Nat's Hard Cider
1813 NE 2nd Ave
Portland Oregon, 97212
June 23rd, 2013 beginning at 10 AM and concluding at approximately 5 PM with awards ceremony to follow.
Categories Accepted:
For full description of the categories, click here.
A1. Dry English Cider (<1.007 FG), A2. Sweet English Cider (>1.007 FG): BJCP 27B
B1. Dry Common Cider (<1.007 FG), B2. Sweet Common Cider (>1.007 FG): BJCP 27A
C. French Cider: BJCP 27C
D. Hopped: High hop aroma, some hop flavor, optional hop bitterness.
E. Wild/Non-Saccharomyces: Must be wild/naturally fermented or exhibit characteristics of wild fermentation including brettanomyces, lactobacillus, etc.
F. Spiced/Herbed: Aroma and flavor should balance herbs or spices used with the flavors of this cider.
G. Wood or Oak Aged: Any type of wood where the wood flavor is predominant.
H. Fruit: Organizers will judge each of the subcategories separately if number of entries warrant: Pear, Cherry, Stonefruit (peach, apricot, plum, mango), Canefruit (raspberry, blackberry, marionberry, etc), Other Berries (blueberry, strawberry, currant, cranberry).
I. Specialty: Ciders not fitting in to the above category should be entered here. It is the intent of the organizers to create categories to allow ciders to be entered elsewhere.
Ciders may be entered in any single category that the entrants choose. Many ciders exhibit characteristics that cross categories so it is up to the entrant to decide which category to enter. Entrants are encouraged to read the full style guidelines for each category.
Category Medals:
Gold, silver and bronze medals will be awarded to the top three scoring ciders in each category. In the extremely unlikely event that all the entries in a particular category scored very low, the category judges may decide to award no medals, or a combination of specific medals. For instance, there may be a bronze medal to the top scorer in a category and no silver and gold medals. A maximum of one gold, one silver and one bronze may be awarded per category. This award system is in contrast to GLINTCAP which awards medals based on merit with multiple gold, silver and bronze awards per category.
Other Awards:
Best of Show: Gold medals from each category will advance to the Best of Show competition for which a single winner will be selected by the lead judges from each judging group.
Large Cidery of the Year: The cidery awarded the most number of medal points (weighted with gold as 5 points, silver as 3 points and bronze as 1 point) producing over 10,000 gallons per year in the previous tax reporting year will win the Large Cidery of the Year award. Entrants must specify total annual production in gallons to be eligible for this award.
Small Cidery of the Year: The cidery awarded the most number of medal points (weighted with gold as 5 points, silver as 3 points and bronze as 1 point) producing under 10,000 gallons per year in the previous tax reporting year will win the Small Cidery of the Year award. Entrants must specify total annual production in gallons to be eligible for this award.
Frequently Asked Questions:
Why is the competition called the Portland International Cider Cup if you're only accepting ciders from the Pacific Northwest?
The planning committee tossed around a few ideas for names including Cascadia and Pacific Northwest. We didn't like Pacific Northwest because it's our northwest but Canada's southwest and Japan's northeast. And we decided early on to limit entries to those cideries within the bounds of the Northwest Cider Association, so calling it the Portland Cider Cup excluded British Canadian cideries, so the name stuck as PICC.
Why are you only accepting ciders from the commercial producers within the bounds of the Northwest Cider Association?
First off, we don't want a huge number of entries since we are not professional cider competition organizers. GLINTCAP does an excellent job with their very large competition and we don't have the man/womanpower to handle 400+ entries. Additionally, we didn't want to take a severe stand with regards to geographic bounds. The NWCA is currently updating their membership rules and we look forward to accepting more cideries in the future. And finally, we feel that there is a true cider culture developing in the Pacific Northwest and want to highlight this region's love of cider, which is currently experiencing the largest growth of the cider market in the US.
Why aren't you using the BJCP cider categories?
The planning committee feels that the BJCP is somewhat behind the times specifically with regards to the cider categories. They do an excellent job with their mission – certifying beer judges and sanctioning and organizing beer competitions. Their cider categories are outdated do not reflect the state of the cider market as it exists, particularly in the Pacific Northwest of the US and British Columbia. As a result of the new categories used in the PICC, we have developed a new judges scoresheet. PICC cider categories may change year to year as new trends develop and old categories are deemed outdated.
Have a question? Let us know! Email email@example.com.


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14 U.S. Code § 665 - Restriction on construction of vessels in foreign shipyards
(a) Except as provided in subsection (b), no Coast Guard vessel, and no major component of the hull or superstructure of a Coast Guard vessel, may be constructed in a foreign shipyard.
(b) The President may authorize exceptions to the prohibition in subsection (a) when the President determines that it is in the national security interest of the United States to do so. The President shall transmit notice to Congress of any such determination, and no contract may be made pursuant to the exception authorized until the end of the 30-day period beginning on the date the notice of such determination is received by Congress.
Source(Added Pub. L. 100–448, § 26(a),Sept. 28, 1988, 102 Stat. 1847.)
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
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text:
Document Actions
Educause 2013 Annual Conference Schedule
The Senate Committee on Computing & Technology, ACERT, ICIT, and the Office of the Provost cordially invite you to "virtually" attend this year's Educause Conference. The Educause Annual Conference is a major conference that focuses on all aspects of technology in higher education. For the virtual conference at Hunter, we have selected sessions that address issues related to teaching and learning with technology.
We need your RSVP! Click for details


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Disturbing incidents
April 24, 2012 - Brad Siddons
We (Americans, especially English-speaking Americans — I can't tell if the others are doing it or not) seem bent on beating our language into submission. Words are being misused to the point where incorrect is being accepted as correct. When that happens, correct usage be hanged.
Today's example — I tend to write these things in the wee small hours of the morning — are the words incidents and incidence. Here's a simple but effective explanation of the correct usage of the two words: Incidence and incidents sound the same, but incidence is more often used in technical contexts, referring to the frequency with which something occurs: "Increased ultraviolet light is likely to cause increased incidence of skin cancer." Incidents is simply the plural of incident, an event: "The police are supposed to investigate any incidents of domestic violence." The form incidences should be avoided.
It would seem, then, that incidence should rarely be used in most everyday conversation. And, it's hardly ever proper to make the word plural. Never, never use incidences as the plural of incident; no matter what you might read — or more commonly hear on the TV networks — it just isn't so.
And I don't ever want to see any of these mistakes in the Open Line. Oh, that Open Line. Some days, my heart just can't take it. I know that many Sentinel readers turn first to page A4 each day, and it's not to read the signed letters, or even the editorial or a syndicated column. Nope, chances are it's the Open Line. Perhaps it's my professional background, having worked in this business for more than 30 years, but I must view the OL differently from our average reader. You see, I really don't like the bloody thing. I find it nasty, mean, confrontational, rude, selfish ... and that's the stuff that gets in. You ought to see what we cut out.
Why do so many OL submissions wind up in the recycle bin? To me, it all comes down to credibility, or the lack thereof. Without a name at the bottom, Open Line items have no credibility (a noun defined as the quality of being trusted and believed in). So if there is any chance that the item is making a personal attack on someone, or is obviously incorrect, or is simply an attempt at free advertising or something that looks more like an item on the community bulletin board than anything else — it goes. Keep in mind that people defined as "public figures" such as a national official or a celebrity are pretty much fair game for criticism. But that doesn't mean that we run everything thrown at them. In fact, I have a motto regarding the Open Line: "If in doubt, cut it out."
If you have something to say, write a letter to the editor. Put your name on it, and exercise your constitutional freedom. That stands a much better chance of being published. And by the way, I absolutely love to publish letters to the editor. They are a strong part of any newspaper's heart.
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Bookkeepers update and maintain financial records for public and private sector companies. Financial records include but may not be limited to account payable and receivable registers, profit and loss statements, payroll, expenses, petty cash receipts, and taxes. A bookkeeper classified as full-charge maintains all financial records for the company. In order to have a successful career in bookkeeping, you must be detail-oriented, and highly knowledgeable of accounting software.
An Associate's Degree in Accounting from Monroe College gives students the academic training and real-world experience they need to achieve their bookkeeping career goals. They learn accounting theory, procedures, and computer platforms from well-respected accounting and finance executives. They also take these learned skills into the real-world working at accounting offices, finance firms, and alongside corporate bookkeepers.
Graduates of the Associates Degree Program can choose to seek employment as bookkeepers or enroll in the Bachelor's Degree Program in Accounting or Public Accounting. Visit here to learn how you can reach your bookkeeping career goals with a Monroe College education.
Associate (A.A.S.) Degree Program in AccountingBachelor (B.B.A.) Degree Program in AccountingBachelor (B.B.A.) Degree program in Public AccountingNews
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BOSTON - Thousands of photos were snapped by thousands of spectators during the Boston Marathon on Monday. One of the many photographs that day coming from Bert Venderwall who traveled from Holland to race in the marathon.
"Everything has to be done to solve this," he said.
As the FBI scours through images and surveillance footage from nearby buildings close the blast site, Venderwall wanted investigators to take a closer look at his photos.
He approached the News Center Wednesday unable to upload them himself. "I'm devastated by what happened and went over the pictures over and over again," he said. "Yesterday I saw the first image of the pressure cooker."
The images of pressure cooked bomb released by federal investigators are what led to Venderwall to taking a closer look at his own photographs.
"We counted back in time; my wife was standing opposite the second blast," he said.
Venderwall says he crossed the finish line twenty minutes before the two bombs detonated. It was at that time his wife took these pictures and they found something in one of his photographs he wanted to share with the FBI.
"We found something on the sidewalk which was unfamiliar to me," he said.
As you zoom in on the photograph, sitting right on the sidewalk is a red bag which seems left unattended. Venderwall says it's very possible it could be nothing, but he still wanted to pass it along to the FBI.
Wednesday evening the News Center forward to images to the FBI email address designated for photographs from the Marathon.
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Earthflight: A Nature Special Presentation
Wednesdays, at 8pm on CET
What would it be like to see the world from a bird's perspective? To experience riding on the backs of bald eagles and snow geese or flying alongside a flock of brown pelicans as they scan and dive for fish in the ocean below. State-of-the-art technology and sophisticated camera techniques have now made it possible to do just that and more as Earthflight: A Nature Special Presentation takes viewers on a breathtaking aerial adventure over six continents.
It took Earthflight series producer John Downer and his team four years to film more than 100 bird species in 40 different countries. Using strategically placed cameras, including tiny HD cameras placed on the backs of trained birds, this six-part series captures amazing viewpoints that have never been seen before.
Sept. 4
Part 1: North America
Geese and bald eagles fly over the Great Plains, Grand Canyon, Alaska and the Golden Gate Bridge.
Sept. 11
Part 2: Africa
Fly and arrow-dive with cape gannets among sharks, dolphins, whales and the great sardine run.
Sept. 18
Part 3: Europe
Cranes and geese rise over Venice, Dover, Edinburgh and the monkey-guarded Rock of Gibraltar.
Sept. 25
Part 4: South America
Condors and scarlet macaws take us to the Andes and the Amazon. Hummingbirds feed at Iguazu Falls.
Oct. 2
Part 5: Asia and Australia
Japanese Cranes dance in the snow, pigeons fly through India and geese soar above the Himalayas.
Oct. 9
Part 6: Flying High
A behind-the-scenes look at how Earthflight was made features drones and camera-carrying birds.


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Quality CareFind out why Mayo Clinic is the right place for your health care. Make an appointment.
Meet the StaffFind a directory of doctors and departments at all Mayo Clinic campuses. Visit now.
Research and Clinical TrialsSee how Mayo Clinic research and clinical trials advance the science of medicine and improve patient care. Explore now.
Visit Our SchoolsEducators at Mayo Clinic train tomorrow's leaders to deliver compassionate, high-value, safe patient care. Choose a degree.
Professional ServicesExplore Mayo Clinic's many resources and see jobs available for medical professionals. Get updates.
Give to Mayo ClinicHelp set a new world standard in care for people everywhere. Give now.
Rochester, Minn.
The purpose of this observational study is to describe the characteristics and outcomes over a 60-day follow-up period of participants with influenza virus infection (including influenza A subtypes such as H3N2 and 2009 H1N1, or influenza B) who are hospitalized with severe illness and/or complications in geographically diverse locations. Specific objectives are to determine the percentage of patients who die or develop other adverse outcomes following hospitalization for complications associated with influenza, to obtain information on risk factors for mortality and other adverse outcomes, and to establish a central repository of specimens for use in virus characterization, including subtyping, antigenic and genetic analyses, identification of signature mutations associated with antiviral drug resistance, mutational evolution, and additional reassortment. This information will be used to guide policymakers and to design future studies.
Sample size is open-ended for this observational study. As many participants as possible will be enrolled during each influenza season. Enrollment will continue until the funder and/or protocol team determines that the scientific objectives have been met. Approximately 75 sites in geographically diverse locations across 6 continents, where influenza has been circulating broadly in the community, will enroll participants.
Study Plan:
- Participating clinical sites will be opened to enrollment when influenza, of any type, is widely circulating in the community.
- Patients with a diagnosis of influenza (confirmed or suspected), who are hospitalized with complications or severe disease, will be enrolled.
- At enrollment, consent is signed and information (demographics, medical history (including prior influenza and pneumococcal vaccination), medications (including antivirals) and treatments prescribed) will be recorded. A blood sample for serum and plasma will be obtained at enrollment, as well as an upper respiratory tract specimen. The respiratory specimens will be sent for central RT-PCR testing for influenza.
- For participants who are still hospitalized, and not intubated, 5 to 7 days after enrollment an additional upper respiratory sample is obtained.
- Status will be re-assessed at approximately 28 days and 60 days after enrollment and another blood sample for serum and plasma will obtained at both time points.
- For participants who are mechanically ventilated additional upper and lower respiratory tract specimens will be obtained at specific time points.
In February 2012, the FLU 004 Genomics protocol was released to the field. The purpose of this study is to obtain a whole blood sample from which DNA will be extracted to study polymorphisms in immune response genes and other genetic variants that may be associated with an increased risk of severe influenza. Participating FLU 003 sites are given the option to also participate in FLU 004 which requires a separate protocol registration. Participants, once consented to FLU 003, will be offered the option to also consent to FLU 004 Genomics which includes a single whole blood sample collection. Participation in FLU 003 will not be compromised if a participant opts not to participate in FLU 004 Genomics.
Inclusion Criteria:
- Signed informed consent by participant or surrogate/representative
- Local diagnosis of influenza(confirmed or suspect)
- Age at least 18 years
- Hospitalized for severe and/or complicated influenza defined as one or more of the following:
- Respiratory distress requiring supplemental oxygen
- Exacerbation of a pre-existing medical condition
- Circulatory collapse defined as requirement for vasopressor support despite adequate hydration
- Acute renal dysfunction or failure
- Acute liver dysfunction or failure
- Pregnancy-related complications, e.g., premature labor
- Other severe organ dysfunction, e.g., encephalitis, meningitis, peripheral neurological disease, myocarditis, enteritis, myositis, or invasive bacterial infection
Exclusion Criteria:
- Current imprisonment, or compulsory detention (involuntary incarceration) for treat of a psychiatric or physical illness.
Rochester: Zelalem Temesgen, MD 507-255-7938
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peejaybottoms-deactivated201310 said: Take in love ''inhale love'' and let go of your hate ''exhale hate'' is most likely the meaning behind the tattoo.
I get the intention of the phrase, I just don't think it was successfully executed. There are a lot of trite phrases and "inspirational" quotes out there (ugh just read anything from the Chicken Soup for the Soul series) that mean well, but when inspected from a literal/literary point of view, aren't really that great.
Basically, the phrase "exhale hate" sounds more like giving off bitchiness/hatefulness to others. I understand that's not how it's meant, but upon first read, that's kind of what it sounds like.
If you heard someone say, "She exhales hate," would your first interpretation be, "she lets go of any hate around her?" or "she's hateful?" I'm willing to guess the latter.


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In a previous post, 5 Tips to Build Confidence in Yourself As a Project Manager, we looked at how to build confidence in ourselves. In this post we change the focus and look at how to build confidence in others.…Continue
Posted by Alison Meier on April 22, 2014 at 12:41pm
September 29, 2014 to October 3, 2014 – DMS Learning & Development Facility
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Here's some tips on how to select a great Enterprise Project Management tool http://ow.ly/BGmxUContinue
Started by Emily Foster in General Discussions Sep 19.
Complexity is not a synonym for complicated or large is just one of the dimensions inherent in every project. The four basic dimensions of a project[1] are:Its inherent size usually measured in terms of value; The degree of…Continue
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PMConnection is home to thousands of FREE PMP Exam Prep Questions (Practice Questions or Mock Exams). They can be sorted Alphabetically, by Date added, by Rating or by Popularity. See for yourself here:…Continue
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There's more to successful portfolio reporting than simply pulling together a massive spreadsheet and marking the cells as Red, Yellow or Green depending on project health. With the right data, you can get professional reports that aid…Continue
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NBC previewed the first episode of their new comedy 1600 Penn Monday night following The Voice. Here are 3 reasons why you shouldn't watch it when it lands in it's regularly scheduled spot in a month.
They had an awesome premise and they blew it. A dysfunctional first family? Yes, please! But not this one! They managed to toss every stereotype without creativity to make up this first family. The big sister who is from a previous marriage and doesn't get along with the first lady, she's perfect, and ends up pregnant. The older son who is a rambunctious frat boy. The young daughter who reveals at the end of the episode (spoiler alert) that she has a crush on another girl. And another son who you will never hear from. He's like an accesory son. He's around, but he doesn't get a plot.
They had an awesome cast, and they blew it. Jenna Elfman and Bill Pullman. Come on! This should be funny! Nope. Not one authentic laugh worthy moment.
They had an awesome audience and they blew it. A bold move to lead into a preview of a new comedy out of the most popular singing show on TV right now. It wouldn't be a big surprise if they lost a good portion of that audience in the first five minutes when it became painfully obvious (no really, it was painful) that there was not going to be much funny in this comedy.


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FDA Approves Anoro Ellipta to Treat COPD »
"The U.S. Food and Drug Administration today approved Anoro Ellipta (umeclidinium and vilanterol inhalation powder) for the once-daily, long-term maintenance treatment of airflow obstruction in patients with chronic obstructive pulmonary disease ("...
Revatio Patient Information including How Should I Take
In this Article
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- What should I discuss with my healthcare provider before taking sildenafil (Revatio)?
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- What happens if I miss a dose (Revatio)?
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Revatio - User Reviews
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Florida Barns or Townhomes with Online Payment(1,654)
1,654 Results
Special Offer! Special Fall Discount at $69/night September 8 - November 27
Recent Florida Reviews
Really excellent
I'm Carmen Rivero from Venezuela. I recently was on vacation with my family in this property, it is really excellent, it is very well equipped and very well located geographically, I recommend a very special way. Besides its owner Mr. Bill Yuan is an excellent person, I want to thank Bill for his invaluable help in solving some problems that have, unfortunately, Venezuelans people for transactions via internet, many thanks again Bill.
My wife and I, both in our 70s came to town to enjoy a few rounds of sunshine and some very very nice sunshine. We booked homestays for the various other stops in our vacation. However for this leg of the trip, we wanted more privacy and more freedom. As the owner and manager of the home, he gave us thorough service throughout. I can honestly say that this was the best part of our vacation. Although we may not live to have many more, but as long as we are doing well, we will still come here! Thanks Clement for putting up with the many questions we had during booking!
Well kept property with lovely surroundings
This was a lovely villa that is clean and well furnished (although TVs are a bit dated). The kids really liked the pool and particularly that there was a choice of two with the smaller shallower one convenient for small children. I found the owner ( Art) to be very helpfully, providing links to buy Disney tickets and giving me good tips for my first day adventure( to visit animal kingdom and check out safari and lion king show which was fantastic).. There is also a good gym on the compound whic I used a couple times.. Overall ,it is a lovely place (which is affordable priced in my view) if you are travelling as a couple or larger family ( we were five and there was space for more) ..it is a very secured place and the grounds are well kept ...if I ever venture to Olando again will definetly stay here again ..and will definetly recommend it to others .. Once again,thanks to Art for you staying at your place .. Roy London ,UK


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Women's golf is under way and the team is seeking a fourth-consecutive NCAA tournament appearance. More at gousieagles.com
Find out how one alum is influencing Syrian refugees and read other stories of transition in the summer issue of USI Magazine.
A big welcome to USI's Class of 2018. Another year is under way. Watch a time lapse video of the making of the photo. #ScrEaglePride
Visit the USI Campus Store in University Center West for all your needs, from books and apparel to computers and supplies.


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CNM Home
About CNM
For Users
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Contact Us
DOE Nanoscale Science Research Centers
Other Links of Interest
A micrograph of the sample layout and the copper nanowire (l = 2.04 um, w
= 90 nm, t = 50 nm) between the contact pads.
Metallic nanowires have various applications such as sensors and high-density interconnects in field-effect transistors. Monitoring
the influence of size and surface effects on material properties, such as electrical resistivity and failure properties, is important
in designing new, reliable nanowires.
Copper nanowires were patterned with e-beam lithography and fabricated with a copper film deposited by e-beam evaporation.
Electrical measurements show that surface and size have effects on the electrical properties. Smaller values for the temperature
coefficient of resistance and higher failure current density were found for copper nanowires with decreasing wire width. The experimental
finding of width-dependent failure current density also agrees with theoretical predictions of heat transfer of the nanowire and
substrate system as calculated with the finite-element method. These results suggest that mass transport during electromigration
may be dominated by surface diffusion.
CNM staff and collaborative users partnered for this project and used the CNM Omicron UHV Nanoprobe (four-probe scanning electron
microscope) and noncontact atomic-force microscope.
Q. Huang, C.M. Lilley, M. Bode, R. Divan, "Surface and size effects on the electrical properties of Cu nanowires," J.
Appl. Phys., 104 (2), 023709/1-6 (2008). (online)
October 2008
The Center for Nanoscale Materials is an Office of Science User Facility operated for
the U.S.Department of Energy Office of Science by Argonne National Laboratory


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by Robert Vollman
Minimum 5000 shots:
.9224 Tomas Vokoun, Florida
.9185 Niklas Backstrom, Minnesota
.9178 Tim Thomas, Boston
.9174 Roberto Luongo, Vancouver
.9171 Henrik Lundqvist, NY Rangers
.9166 Martin Brodeur, New Jersey
.9155 Ryan Miller, Buffalo
.9144 Cristobal Huet, Chicago
.9140 Ilya Bryzgalov, Phoenix
.9138 Miikka Kiprusoff, Calgary
BIG lead for Tomas Vokoun, but then very tightly packed from #2 to #10. Goalies making $6 million and not on this list: J-S Giguere (Toronto .9123), Evgeni Navokov (San Jose .9098). $5 million: Marty Turco (Dallas .9051). Most affordable top-10 goalie: Ilya Bryzgalov at $4.25.
.8999 Jose Theodore, Washington $4.5 million
.8975 Vesa Toskala, Calgary $4.0 million
Sub-.900 and yet still manage to get enough playing time to face 5000 shots and get $4 million. That's a skill.
Min 1000 shots:
.9258 Tuukka Rask, Boston
.9224 Jimmy Howard, Detroit
.9224 Tomas Vokoun, Florida
.9191 Jonas Hiller, Anaheim
.9185 Niklas Backstrom, Minnesota
Sample size way too small but still interesting to see where Rask, Howard and Hiller could fit. Highest paid of those three: Hiller at $1.3 million.
.8896 Hannu Toivonen
.8894 Robert Esche
.8890 John Grahame
.8820 Jussi Markkanen
.8747 Dan Cloutier


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Dashboard cams may be next must-have car add-on
The devices, which can be had for under $100, can help with insurance claims and protect drivers from fraud and other scams.
This post comes from MSN Money contributor Bruce Kennedy.
New technologies allow anyone with a cell phone to take still images and usually video, too. Think of all the newsworthy events we have seen in recent years because ordinary people happened to be there with their phones.
But there's another, similar device that Americans have been relatively late to adopt: the dashboard video camera. Now that appears to be changing.
Dashboard cameras have brought us some incredible footage: a tumbling, house-sized boulder landing on a roadway in Taiwan and various shots of a meteor blazing across the sky this year in Russia. Dashboard cameras seem to be ubiquitous for Russian drivers, who use them as a defense against insurance scams.
Police have been using dash cams for years to record evidence during traffic stops. And now more U.S. civilians are joining the market -- whether to monitor a new teen driver's performance or as a form of insurance.
Video documentation from a dash cam can come in handy when it's your word against another driver's following an accident. The National Insurance Crime Bureau reports the rate of "questionable claims" was up 16% last year, to a record 116,268 cases, according to Popular Mechanics.
"Having clear evidence recorded on camera is admissible in court (just as it is for police officers) and can protect you from fraudsters," the magazine notes.
Insurance industry experts say they don't know of any companies that offer insurance discounts to drivers who install a dash cam. But that could change as the industry battles to reduce an estimated $32 billion a year lost to fraudulent payouts.
Another big reason dashboard cams are beginning to catch on with American drivers is they have become extremely affordable, with some basic models now selling for well under $100.
The technology reportedly is becoming very popular with truck drivers – who are often blamed for highway accidents.
One apparently unintended market for dash cams are daredevil drivers – like the fellow who recently posted footage on YouTube of his recent nighttime drive around the perimeter of New York's Manhattan Island – completing the 26.5 mile loop in what he said was a record 24 minutes. New York police were unimpressed and say they're investigating.
More Smart Spending:
- Will spouses lose under Obamacare?
- A medical solution to elder fraud
- Kids: They'll kill your devices
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
Occupy Wall Street bought and forgave the student loan debt of more than 2,700 Everest College students.
- Best rates on savings
Find the highest rates on savings accounts, CDs and money market accounts.
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- Video: Easy DIY smoked meats at home
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
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- Bing: 70 percent of adults report 'digital eye strain'


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What Does It Take to Make You Switch Banks?
Published on - March 4th, 2010 (by Adam Baker)
This article is by staff writer Adam Baker, whose own blog featured the hit post 42 Ways to Radically Simplify Your Financial Life.
When I was 14 years old, I opened my very first checking account at Bank One. That's where my Dad banked and so that's where he drove me when I asked to open an account. Over the years, I continued to give them my business.
By 16, I had opened another checking account (don't ask me why) and a new savings account, too. At 20, I started my journey into credit cards with… yep, a brand new Chase credit card. (Note: Chase ate Bank One in 2004.)
At 21, I opened my first Chase business checking account and, at 22, I funded $1000 into my new Chase investment account. When my wife and I married the following year, we canceled her National City account to combine our finances with… Chase.
You get the point. While this may not seem too out of the ordinary, there's only one problem: Neither of us really likes Chase Bank.
In fact, I've never really liked them that much. I've wanted to switch to a local credit union for years, but just haven't done it. I've been eyeballing USAA ever since they opened their checking and savings accounts up to civilians. Mentally, I want to change…but physically I'm still a Chase customer.
What does it take to make you switch banks?
There are plenty of reasons why someone might switch banks. A couple factors that come to mind:
- Higher rates. This not only applies to rate chasing to find the highest interest rates, but any form of benefits offered. Maybe there's a 0.5% better savings rate at the bank across the street. Maybe another is offering a free $100 when you open a new account. These are all situations where the bottom line may be the primary influence.
- Customer service. I love great customer service and I'm willing to pay more for it. In banking, this now includes both in-person and online customer service features. While I abhor having to call Chase (try it someday, it's terrible),I love a couple of the people at my local branch. I know the branch manager and business banker well, and they always greet me by name. In addition, I have specific online banking features set-up that I've been using for years. Their online services aren't perfect, but they're above average.
- Length of history. As I outlined above, I've had a Chase account for over a decade now (and I'm only 25). In this day and age, customers will longer histories at a single bank are more rare. Anytime I have an issue on the phone, I immediately have them look up my history. While I'm not a big fish to them in terms of money, my account history tab shows dozens of accounts over nearly a dozen years!
- Principle. The longer I'm involved in personal finance, the more I prioritize this category. I'm not a huge fan of big banking. I'm not a conspiracy theorist and I won't be picketing in Washington, but I like the idea of giving my business to a local bank. "Principle" is a major reason Courtney and I reject credit cards, and many people point to this reason giving their business to credit unions.
- Accessibility. Years ago, the only factor I cared about was how close my bank was to my house. Here in the Midwest, no one does that better than Chase. It's almost as bad as McDonald's (almost…)! With the rise of online banks, the walls of this one are coming down. For some, however, it remains a huge factor in choosing a bank.
So, will I walk the walk? I'm not sure whether Courtney and I will switch our bank. We want to, but we aren't compelled to…at least not yet.
I'd enjoy supporting a local credit union or a testing out a bank with a reputation like USAA. I'm not much of a rate chaser and accessibility isn't a huge priority. I much would prefer a bank I feel good about supporting and that offers me fantastic customer service.
At this point, Chase seems to be just doing enough to keep us around. But after writing this, we'll see how long that lasts!
Have you recently switched banks? What was your motivation? Any suggestions for me?
J.D.'s note: I stuck with a lousy bank for a l-o-n-g time. Ultimately, I moved my accounts to a local credit union, and I love it. I've since added an online bank to the mix (ING Direct). Neither of these banks is perfect, but they both provide excellent customer service and above-average deals, so I'm pleased to stay with them.
This article is about Ask the Readers, Choices, Savings
I do not switch banks often either. The things that I do not want to deal with are switching my direct deposit forms and also electronic linking of checking accounts. Not that these are both particularly hard things to do, I just am not motivated enough to do it.
I bank mostly with ING and Bank of the Internet. Neither has been bad so that is probably what has not prompted me to move, even though I have seen some other banks I would probably like to try.
We switched to a more ethical bank after news about large bonuses the head of the bank we were at received while at the same time things were not going well at all for that bank.
I really like having our checking account at our local credit union. It's located right by my grocery store, so depositing checks and using the ATM is very easy, and I really just do prefer having a local bank for checking as opposed to an online bank.
Now, for savings accounts I am totally loyal to ING…I hardly EVER keep money in my credit union savings account.
We have all of our checking accounts and our primary mortgage with Wachovia, also have one small savings account there. Customer service with Wachovia is, I've found, great. I get great service, my accounts fit what I/we need, there are no fees, the locations are plentiful and within walking distance from our home, etc.
The bulk of our savings is at ING and again I'm happy with ING but with rates so low I've been researching banks with better rates, we've got $25,000 in emergency fund money that I'd like to earn a better rate on (keeping it liquid and secure). I've also been researching credit unions since I hear such good things about them. It took me a while to find any that I can join in my area and the rates on savings are not nearly as good as ING, the best credit union offered .03% for its high yield savings with a minimum of $2500. I don't have issues with service at Wachovia, in fact I think the service is great, so I have no desire to move because of that issue.
I have USAA as my bank (and insurer, and investment manager, and just about everything else) and I don't have any reason to switch. For me it is much more about customer service than chasing rates. I can call them up any time and KNOW that I will have a pleasant experience on the phone and that whatever problem I had will be solved by the time I hang up. In addition, they offer great perks for being a customer (ATM fee reimbursement, free banking, great website & iPhone app).
I'm not sure what it would take to pull me away from them, but it would have to be substantial. If you have the opportunity to sign up, I say do it. At least try it out with a new account, and then only close your existing one once you're settled in.
What made ME switch to a local credit union?
The regular banks helped themselves – well, regularly – to some of my money every month and I didn't like it! I don't pay monthly fees to access my own money with my direct deposit.
My attitude is, they make money off our deposit holdings anyway, they don't deserve more than that.
We just went through the same thing. We ended up sticking with our bank, but I'm still looking into going with a local bank or credit union.
I think people get use to a bank, that they are confortable with it. To go through the hassle of transferring your money, reconfiguring your automatic online distributions, and paycheck… It's all a big hassle.
So to make me want to move, the benefits of doing so would have to be amazing (or maybe my bank would have to drop the ball and start charging dumb new fees).
We're creatures of convenience, and to change banks every year or so is such a pain…
Baker, I think you should do a post on health insurance- like what are you doing for health insurance while you are overseas. It would be interesting, I think!
What made me change banks? A reward checking that offered 4.00% interest on the account, while the highest savings I've seen is American Express at 1.50% APY. Considering that my checking is paying well above prime rate, and savers are getting nailed in savings, I'd say I found one heck of a deal.
USAA is open to civilians now? Is this for all their services or just their checking and savings accounts.
When I switched banks, I put some money into a new account and didn't close the old account. Then I switched over the auto payments as I had time.
I had a problem in the past with Chase charging me because I had closed the account, but there was a random auto charge still attached somewhere. If you keep it open for 6 months with a few hundred bucks, you can make sure you're set before fully closing it down.
I started out with a local state bank, then opened up a new checking account at US Bank when I went to college. When I went home for the summer I didn't actually have access to US Bank. (Sigh).
Not long after I opened up a checking/Savings account with USAA and LOVED it. I didn't need a 'branch' and I got free ATM reimbursement with foreign travel and they sent free pre-paid envelopes in the mail so I could mail in any checks I received.
For a while I chased 'high interest' savings accounts keeping my primary USAA account for deposits and paying bills – USAA does not have great interest rates. But now 'high interest' does not really exist. In the end, I do love the customer service at USAA and how easy it is to use. I will probably always have USAA as my primary account.
Poor service would be my motivation to close the account. We have three bank account's open and we have talked about closing two of them.One of my must have for a bank- must open on saturday. We are also in search for a good savings account.
We switched banks on principle, during the financial crisis of late '08/early '09. We needed to combine finances anyway with a joint account and both had individual accounts with the same big British high street bank, but we were so disgusted by said bank's lending practices and subsequent need for government bailout that we purposely went elsewhere to a smaller bank not motivated by corporate greed. Very happy with that decision.
I can tell you exactly what is making my wife and I change banks. Just a few months ago, I saw a charge for $5.95 on my account with Wachovia. I called to find out what it is and they said I must use Quicken or Mint.com to check my transactions. I said I did. They said there is now a $5.95/month charge for that. Now we're going to head over to the local credit union and cancel our Wachovia account. It was just that simple. I don't think Wachovia is so great that they're worth $72 in fees per year just for checking my balance through Quicken.
When I moved to this area, I opened a Chase account – mainly because my co-worker's husband was a VP, and she said "we use Chase – you'll like it!" Sure, there was a branch on every corner, but they charged me if used the ATM more than X number of times, and if I wrote too many checks, plus the service charge just for having an account . . . eventually, I closed that account and opened one with a "Community Bank" which I loved – until that bank was taken over by some Big-Box Bank, and I decidedly did NOT love it. Then, another takeover by Citizens Bank, which I HATE HATE HATED, for a variety of reasons, mainly to do with their customer service.
Ultimately, I closed all of the accounts I had there and moved them to our local credit union – which again, I love. We didn't think we'd be eligible for membership, but it turns out that this credit union had their ways to make it work. . .
The wifey and I use USAA for some banking and all of our insurance and investing and they are great. We have been with them for about 25 years and have never had a problem with claims or service. Sweet wife tends to bang up her car every three or four years but or rates are still low. We do maintain our main checking at a local credit union where I can go in and look them eye to eye.
I have been with the same bank since I was a child, HSBC, but I have switched my money into higher interest savings accounts or investment portfolio options but the bank remains the same. I also use a credit union and basically anyone who gives and keeps me in a good interest rate. If the rate sucks and the hours suck,, I'm out. So far so good.
I used a local credit union for years with great results. However, as I prepared to move overseas, that wasn't much of an option–so I went to Chase as they were in a correspondent relationship with our bank here in Ukraine.
Interestingly enough, they have frozen the account because of their "loss prevention" department after I made a sizable money transfer last Friday–because it was done from here in Ukraine from their correspondent institution. I am trying to get it straightened out at the moment–as I told them, they were informed when I opened the account I would be living here, and reminded on several occasions since then. It seems they don't read very well.
This is the first problem I have had with Chase, though, so I'll give them the benefit of the doubt this time if they fix the problem promptly and don't have it recur. Otherwise, when I am visiting back in the U.S. this year, I'll be changing again.
If I still lived in the U.S. or if I should move back, I would be back with a local institution–probably a credit union–although I have also heard good things both about ING and about Ally Bank ( ).
By the way, I know an attorney who is a banking specialist and lobbyist for the banking industry–who has told me confidentially that if she were in another specialty, she would use a credit union herself.
I switched banks about 20 years ago. I had an account with Lloyds (UK) and so did my mother. She was diagnosed with breast cancer, which metastasized into her brain. We organised an enduring power of attorney because she was slipping away. We took it to the bank to get access to her bank accounts, and they insisted we had to fill in one of their own forms rather than accept the power of attorney. We filled it in and sent it back. She couldn't sign her own name by that point and so we signed on her behalf attaching a copy of the power of attorney documentation.
On the morning of her funeral a letter arrived from the bank enclosing their form asking us to get the account holder to sign it.
That wasn't what tipped me over the edge.
About 3 months later we sold mum's house, and I made a very large deposit into my personal account. 24 hours later I received a letter from the bank manager I had roasted over hot coals about the 'get the account holder to sign' letter: 'I notice that since we last spoke circumstances seem to have changed and you have recently made a large deposit; if you need any financial advice don't hesitate to contact us'.
4 hours later I walked out of the branch with a bankers draft for the full amount in my account, which was closed. Sometimes you just have to tell them where to get off.
I stayed with a small, local bank for a decade–until they were gobbled up by a big one. During that time, most of the independent banks in my area disappeared in acquisitions and mergers.
Now that I live abroad and travel often, I use a large bank with international services. Therefore, I'd say my main criteria for choosing (or switching) banks is convenience.
In the past 30 years or so, I have changed banks three times. When I was a child (11 or 12) I got an account at the local bank (Canada Trust) that my parents used. I loved that bank, open 8-8M-F and good hours on Saturdays. They were also the first bank iin my home town to have an ATM.
When I got to University, I found that Canada Trust could not negotiate OSAP loans (student loans from the government of Ontario) and since my university was overrun with Bank of Montreal (BMO) bank machines and there was a branch just off caumpus, I opened an account with them. For a period of time I also kept my old account but when I got a summer job, the direct deposit went into the Bank of Montreal account. The next summer I also got a BMO MasterCard and in my final year I also opened an RRSP with them.
I stayed with BMO for a long time but eventually I got annoyed with their fees upon fees upon fees. The straw that broke the camels back was being charged for using their internet service to check my account balances more than a certain number of times in a month (this was probably 15 years ago).
I did some research and opened an account with Citizens Bank of Canada — which at the time was a newly minted virtual bank (and now sadly no longer offers personal checking accounts). I loved the service that I got from this bank — their banking website was a wonder to behold (for 15 years ago) and their call center was fabulous. Their monthly fee was $8/month but it included everthing and was about half of the BMO fees.
About 5 years ago I felt the need to find something without fees. Internet banking had come a long way and I felt that $8/month was now overkill. I ended up opening an account with Presidents Choice Financial (PC). PC bank kiosks (not really branches but more than an ATM) are available at Loblaws, Zehrs and other large grocery stores in Ontario and the ATMs are associated with CIBC. No monthly fees and I still do everything over the internet. Over the past 5 years, I have also opened a HELOC with them as well as a MasterCard. There call center is very much hit and miss with a lot of outsourced accents on the line but their website allows me to do most things that I need to do.
Oddly enough, my Mortgage is not with any of these banks but with another Canadian bank that offered the best deal to the Mortgage Broker I was using.
While I have closed down my old accounts, I still have my original BMO MasterCard as well as my Citizens Bank Visa to this day.
In summary I have changed once because of convenience/need (closer ATMs to university, could handle my student loans) and twice due to bank fees.
This was maybe 5 years ago, but I noticed that my first bank was offering me 0.01% interest, and the bank across the street offered 2.5% interest (it has since gone down, but is still over 1%).
That was that.
Holy moly, I have had the same bank since 1983. Ok, not the actual same bank since it has gone under or changed hands 4 or 5 times since then, but the same physical buildings.
I just have checking with them but each new bank has kept the orginal deal in place (free checks, interest on balance, etc.) that is better than any of their offered deals.
I have not looked at other banks since I am happy with the one I have. Doubt I will change unless they do something like change my account rules.
I do not know that I would switch banks unless my current bank really messed up an account or something. I bank with Bank of America and I have been very happy with them over the years. When we travel, there is always a branch close by if we need it. I like the peace of mind that gives me. They may not pay the most competitive rates, but I love my local branch and the service they give me.
One thing important to note about credit unions is that many are part of a shared network of ATMs and branches. So if you switch to your local credit union you may have access to many more ATMs and branches then you might have realized. I described these shared networks in my post about supporting your local credit union
We have all of our savings, checking, CDs and now, our daughters have their checking and savings through our local bank, which is actually a very strong bank, and not likely to be swallowed up by the big guys. We have never paid a fee, because we have enough (with all accounts totaled)in their system. Our savings are about 1.2% at the moment, which is low, but I'm not going to change anything.
When we lived abroad, however, we needed the availablity of an international bank, and we went with Citi. there is a Citi branch in every city we lived in (Dusseldorf, Brussels and Paris)and we maintained our local accounts in Ohio as well.
Our latest challenge, however, is having so many retirement accounts. We are in our late 40s, and with the different companies my husband has worked for, plus several IRAs, insurances, 401(k)s, and small pension plan, we have accumulated about 20 different accounts that need to be maintained (!!!)It's getting more and more tricky to maintain them all, and we are wondering about how to consolidate them, so that life in retirement is simpler. We've always been good savers, and never borrowed against retirement plans, or used any equity in our home,and paid with everything cash so we're sitting pretty well at the moment. We'd just like to simplify it all! Any advice to that?
I have switched banks and opened new accounts several times. Initially it was for the free money bonuses. However, I have realized that despite the extra effort of opening and handling a new account – I have learned what else is available. I have broadened my horizons and by doing so I feel a little easier about switching to a bank that relates to me, or works for me better, more than just sticking with the same one I started out with.
I switched banks after my bank got rid of one of their rewards for being an Air Miles Gold card member, which was to pay no banking fees.
I called them, explained that I had been with them for over ten years, held a decent amount of money in my accounts, and would like the fees waived. They refused. I asked to speak with a manager. She refused. I asked to speak to a customer retention specialist. I told them that I would switch banks. They said there was nothing they could do for me.
I set up an account at a no-fees bank, and came to my regular bank a few days later to close my accounts and withdraw all my money. Suddenly, without asking the teller to do anything more for me, the bank manager came over and asked me to stay with the bank, said he would waive all the fees, etc. I explained that I had already asked for this over the phone, and got nowhere. He said that maybe they thought I wouldn't do it, but now that I was actually here closing my account, they would do what I had originally asked!!!
I said no thanks, and closed all my accounts.
Here's what it took for me… 45 times more interest! I have been looking around at options for better interest on my checking account. My current bank is paying a dismal 0.1%. So when I found a rewards checking account that was paying 4.55%, this was an easy decision to make. Instead of eating a meal out at the mexican place, like we did with the $25 in interest I made last year, I'm looking forward to helping pay for a vacation, pay down some debt or update my house with the interest this year.
A little pain for a significant gain.
Ditto Bob! USAA is my…everything (financial). Didn't used to be, but their OUTSTANDING customer service has completely won me over. I went through a (horrible) divorce a while ago and they gently and patiently walked me through it. I really can't say enough about them; in a world of annoying phone trees (press 3 for more selections) it's so nice to deal with a human who know her products and is pleasant!
I've used USAA for years, they probably have 75% of my accounts. The reason I am so loyal to them is their excellent customer service.
I recently (FINALLY) got my husband to switch banks! He was with a bank for over 20 years before I met him. I wanted to bank out of Wilmington Trust because of their rewards and the fact that if I have a problem, question, or concern, I know I can walk into our local branch and get straight talk directly from the branch manager.
The interest rates are all pretty much the same around here, (although we do keep our savings in ING), but its a combination of things for me.
As for choosing USAA, as a prior military member, I dont bank with them. I used to, but it was also when you had to mail checks to them, etc. I'm not a big ATM user, but still.. I havent looked at them recently but it would take a lot for me to go back with them.
I use ING and USAA. I've looked at local credit unions because I like the idea and one has interest rates higher than ING. What stops me is the ease of use. I do all my banking from my computer and I love it. I can deposit my checks on my scanner and pay all my bills online and transfer money easily. Local credit unions don't offer that and that is what keeps me where I am.
Don't think of joining a CU as helping a local business, think of it as helping yourself. You become a shareholder and are helping contribute to the health of the business you hold shares in.
My CU does a shareholder give back, where at the end of the year they give an extra couple points of interest on saving accounts and CDs. Thats a good investment and I doubt Chase does that, they give their stock holders the yearly bonus.
We switched from 5/3 Bank to a local credit union mostly due to customer service and partly due to principle.
In 2008 I seed a $5 savings account that I hoped to start filling once we're passed Baby Step #2 (see Dave Ramsey). On the one year anniversary, 5/3 closed that account and charged a $5 maintenance fee. No letter, no warning, no phone call…just took my $5 – all for the sake of "inactivity."
When I walked into the local branch, all they had to say about it was "It says in your paperwork that it would be closed after a year of inactivity." No sympathy, no bending, *no apology*. Since then, I've been getting 4.5% on our checking at a credit union and have been BLOWN AWAY at how much better the customer service is. I think I receieved $.04 from 5/3 one quarter in interest on my checking…this month was closer to $20…
I even got my account confirmation emails from a real person's email address. How crazy is that in today's world?
As an original Bank One banker who was then absorbed by Chase and is now primarily an ING user, I say ease yourself away. Chase will eventually do something that pisses you off (as they've done to everyone in my family) that will remind you why huge mega-banks have some serious customer service drawbacks, and you'll wonder why you patronized them for so many years. I use my Chase account as an in-person funnel to deposit money into my ING account because of the deposit-friendly ATMs, but that's pretty much it. All of my savings are in ING where they earn more interest and I have yet to have an issue.
We have been with our local CU for over 23 years now. They have two offices in our town and couple in other towns nearby. They offer many different services, including online bill pay. Opened an ING account two years ago to help automate savings for specific things (property taxes, vacation, etc) and this has worked out very well. I like the convenience of the local offices & the ability to access ATMs without fees through the SUM network.
A timely subject and one that has personal significance for me.
I have banked with Alliance & Leicester (a British bank) for 6-7 years now, despite the fact that they have rotten customer service, poor rates and minimal functionality on their accounts. When I first started banking with them, I was eligible for one of their best accounts and was paying in £1000/mth or so.
A relationship breakdown and a credit default later and their stupid rules meant that I was only eligible for a 'basic bank account' (no debit card/cheques/interest) – despite the fact that I'd funnelled maybe £50,000 through their coffers over a 3-4 year period!
Despite this, I stuck around and put up with poor service, a useless account and staff who seemed frustrated that I would deign to waste their time… It is bizarre that we put up with so much nonsense from our banks.
I've since changed banks and was so surprised at receiving friendly service at my new bank that I almost fainted! Still, I've learned my lesson now and from now on I'll be banking wherever offers the best combination of savings interest rates and service…
I loathe my local credit union – at one point, their service was so bad, I wrote a letter to their board of directors and got a condescending phone call from their CFO. But I don't move my account because, you guessed it, no fees.
@Mrs. Money – While overseas we stayed in no place longer than a year. As such, we simply had travel insurance (we actually tried to get private health insurance in New Zealand for 6 months, but they told us we need to stick with travel!).
Since coming back to the States, Courtney and I have had a fun time researching health insurance. I'll strongly consider talking about this experience.
@Everyone – Wow, lots of great feedback. At least I'm not the only one in the boat. I should point out we did have ING Direct for around a year. I ended up canceling because they couldn't be my ONLY bank (I like simplicity) and they couldn't do International Money Transfers (which was a pain if in an emergency overseas). I did love their customer service, though.
I recently switched to USAA. It was a long process making the switch with all our automated payments / deposits. However, the one thing I did notice was that I get our deposits at least a day earlier than at my old "big boy" bank. Once I realized that…I was annoyed at the old bank that they were floating my money to their benefit. It took a bit to get used to an internet bank…but I really love it. I am so happy that I converted. Can't believe I didn't do it sooner!
I stay with my main bank – current (checking) account, emergency savings and emergency credit card for a number of reasons. The customer service is stunning – I swear they feed their phone-people happy pills, and they aren't outsourced to millions of miles away either, so I don't have to deal with someone who hardly even speaks English (sorry, but my last bank was that poor). They have an ethical investment policy which I broadly agree with, so my money isn't being used to support the arms trade or oppressive regimes (again, bank-1, I'm looking at you). As a bonus, it's a co-operative, so if I register as a member (free), I get a dividend (share of the profits) added to my account each year.
My other savings accounts are chosen on the basis of rates, and customer service, with a nod to ethics, in the sense that there are certain banks that I will just not bank with. Given the choice, I prefer to put my money into building societies (owned by members, not shareholders), and I'd certainly consider a credit union if there was a convenient one.
Convenience is the only thing keeping me banking at Wells Fargo. They have branches almost everywhere near where I live and in the west in general. I do have an online bank account as well for a higher savings rate (but not that much higher!) I have been tempted to switch to USAA since I have my rental insurance with them. But the thought of mailing checks and having to wait for them to reach them has made me hesitate. Looking at these comments, though, I might look into it a little more. I guess I'm in the same boat as Adam
I too just switched to a local credit union after nearly 20 years. I was just so fed up with all of the new policy's/fee's and new management.
I switched out of a credit union because of convenience (lack of) and service.
There were only 3-4 branches/ATMs in my area.
The service was geared towards what pleased the employees rather than what worked for the account holders.
It was like banking with the Post Office.
I've maintained relationships with a few banks as sometimes a policy change can leave you high and dry. It helps that my early career was spent working for a couple of bigger banks, so those relationships were created somewhat organically. Expect to eliminate one of the relationships later this year. Although I've seen the light and am working my "debt snowball", I received a major set back on rates even though I'm reducing my debt rapidly. Nobody gets to that and keep my business!
My wife and I just switched banks because our National City account was changing to PNC and we were going to have to switch all direct debit/deposits anyway since the routing numbers were changing.
Principle was our main reason for choosing a local bank, just to help the local community/economy.
It wasn't too big a hassle. We had to both change our direct deposit, then change the automatic house payment, electric and water bills.
Until recently I was with a small Canadian bank that was owned by VanCity Credit Union (Vancouver), even though I don't live anywhere near there. So it was all online, on the phone and by fax. I loved it. The fees were great (almost non-existant) and while the customer service went down hill in the twelve years I banked with them it was – even at the end – better than any bank I had been with before.
Then they decided to get out of the banking business. They still have credit cards and GIC's, but stopped offering savings or chequing accounts. Thanks. :/
So I switched to one of the "Big 5″ Canadian banks. The fees are more… quite a bit more … but the branch is right up the street from my office, and I pass it on the way home every day. The customer service has been amazing. The rates are even about the same as at the old bank. All in all? I'm out the extra service charges each month, but the ease of use makes up for it.


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My First Faux PasTuesday, June 8th, 2010
Thursday, June 3
"One of the best-known rules throughout much of Africa, the Middle East, and Asia is avoidance of the use of the left hand. In Ghana, the left hand is used solely for holding one's toilet paper, and nothing else… Never shake hands, point, gesture, eat, give, or receive with your left had."
–Ghana, Culture Smart!, by Ian Utley
I went with Kelvin for my first meal in Ghana on the beautiful South La Beach (La short for Labadi), right around the corner for the JAC office. Kelvin was going to order me fried chicken and French fries, but I wanted to try something typically Ghanaian: tilapia and banku (a kind of sour ball of maize that you dip in stew or hot sauce. Unless, like me, you don't like hot sauce).
Service in Ghana is often slow (things generally move more slowly here), but the food finally came: a glorious platter of a crisp brown tilapia fish, framed by a ball of doughy banku and a dollop of ketchup and hot sauce.
"Go ahead, eat," Kelvin said.
"I'm just waiting for the waitress to bring silverware."
Kelvin began to laugh. He explained that here, people eat with their hands.
"Oh, right! I read about that." I looked down at the daunting whole fish and said to Kelvin, "You go first."
He took a steaming bite of fish in his hands and showed me how it flaked off. He motioned for me to break off some of the maize.
I grabbed and bit and brought my fingers to my mouth, when Kelvin half-laughed, half-cried, "Not with your left hand!"
"Oh right, I read about that too! Sorry." I quickly put the maize down.
I washed off my left hand in the bowl of water the waitress had brought. I ate the rest of the meal with my hand right hand only and kept my left on my lap.
Glad I made that first mistake with Kelvin and not someone else. Whoops.
Oh, and if you're out to eat and the person you're with pours a bit of their drink into their glass, swills it, then tosses it out onto the ground – it's probably not a libation to the ancestors. They're just cleaning their glass. (But they do offer libations sometimes! I'm not crazy.)
And if you exit the airport and men in suits and IDs ask you where you're going, they're not the taxi drivers who want to rip you off, they're the officials who need to see your baggage stamp before you leave. The taxi drivers are over in the next room.
Also, don't bother trying to buckle your seatbelt. Even if there's a belt, there's no buckle. (Mom, ignore this plz.)


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Items where Author is "Siow, Y S"
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Chooi, Y S; Siow, Y S; Chong, C S (2005) Cervical myelopathy caused by an exostosis of the posterior arch of C1. The Journal of bone and joint surgery. British volume, 87 (2). pp. 257-9. ISSN 0301-620X


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Winners Receive:
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Bill (Alex Winter) and Ted (Keanu Reeves) have spent so much time forming their rock band that they're flunking history. Ted's dad threatens to send him to military school if he doesn't pass. Luckily, Rufus (George Carlin), a guardian angel from the future, has a time-traveling phone booth to take them into the past to learn about the world. Their journey through time turns out to be a blast...but will they learn enough to pass their class and keep their rock band together?
Special Features:
- Air Guitar Tutorial with Bjorn Turoque & The Rockness Monster
- One Sweet and Sour Chinese Adventure to Go
- Radio Spots
- Theatrical Trailer
Bill and Ted's Excellent Adventure was released February 17th, 1989 and stars Keanu Reeves, Alex Winter, George Carlin, Terry Camilleri, Dan Shor, Tony Steedman, Rod Loomis, Al Leong. The film is directed by Stephen Herek.


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* Mas du Petit Grava se encuentra en el corazón de la Provenza, cerca de la ciudad romana de Arles y Saint Remy, donde Van Gogh creó muchas de sus pinturas más famosas. Esta casa de campo del siglo 18 está rodeada por los jardines y huertos que proveen la mayoría de las frutas, verduras, hierbas y flores utilizadas dentro de ella. Las habitaciones son espaciosas, cómodas y decoradas con antigüedades de la zona. Hay una piscina y un gimnasio con bicicletas y senderos para caminar para hacer ejercicio. Para momentos de tranquilidad, el Mas tiene una música y una biblioteca extensa de lectura. El desayuno es complementaria. Mas du Petit Grava es un lugar ideal para pasar unos días de descanso o para utilizarlo como una base desde la cual visitamos pueblos tranquilos del sur de Francia, las ciudades ocupadas y las playas de incomparable.
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5 en noviembre 13, 2013
In September, my husband and I spent 10 days at Mas du Petit Gravas. From the moment we arrived we felt like being friends with Jim and Ike, the owners, for years. Their hospitality can not be beat. Their B&B is an 18th century farm house very comfortable, tastefully decorated, furnished accordingly to the era and sitting on beautiful grounds. The house has four rooms, each with own bathroom. Beds are very comfortable. Rooms have their unforgettable charm. On the ground floor is a fantastic library. If you want to spend a quiet day at the Mas, grab a book and enjoy reading it by a pool or in the orchard. Every morning we were served a delicious breakfast. Ike makes his own jams. Jim and Ike joined their guests for breakfast. They shared their knowledge of the area what made our traveling easy. They suggested restaurants and made reservation for us. Jim is awhiz of all things Van Gogh. One day, he drove with us to Arles to show us all Van Gogh's places. It was a highlight of our visit to Provence. We treaded the Mas as a base to visit surrounding villages and places of interest to us. The location of this B&B is very convenient for day-trips. Wish we could stay longer. Thank you, Jim and Ike.
5 en julio 29, 2010
I don't have enough room to go on and on about what a great experience we had at the Mas. The property is so beautiful and relaxing out in the country, but in a great central location for touring the Provencial villages. Ike is one of the sweetest people you'll ever want to meet! (Jim was away, so we didn't get to meet him). The quality of the breakfast was the best I've had. All I can say is I want to come back and I only just got home. Thanks Ike! Nina from New Orleans
Marseille, France (MRS-Provence)
Bed and Breakfast, Cottage
Chimenea, Biblioteca, Piano, Radio, TV por Satélite/Cable , Sala de ejercicios
Albornoces, Ventiladores de techo, Internet en la habitación, Escritorio, Secador, Wi-Fi
ike iloputaife and james watson
BedandBreakfast.com Diamond Collection


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Rounders is about the underground world of high-stakes poker. The movie follows two friends who need to quickly earn enough cash playing poker to pay off a huge debt. The term ?rounder? refers to a person whose sole means of earning a living is by playing cards.
Trailer for the Rounders blu-ray which will be available on August 23, 2011.
Academy Award winner Matt Damon (True Grit, The Bourne Supremacy) and Edward Norton (Fight Club, The Italian Job) star in this story of passion, risk and the extreme price of friendship! After losing a high-stakes card game, Mike (Damon) gives up gambling for law school and a fresh start with his girlfriend (Gretchen Mol Cradle Will Rock). But then his best buddy (Norton) gets out of prison and in over his head with a ruthless card shark (John Malkovich Being John Malkovich). From there, Mike s strong sense of loyalty and the lure of the game draws him back to the tables in a game he cannot afford to lose! Also starring John Turturro (O Brother, Where Art Thou?, Transformers) and Oscar winner Martin Landau (Ed Wood).
Download the TV Guide app for iPhone, iPad and Android!


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HoveringPosted by Lawrence Dillon in Uncategorized
Each artwork must find its own balance between the familiar and the unexpected, between who we are and what we aspire to be. There is no formula for this balance – indeed, the balance can and does vary from work to work within the same artist's oeuvre.
I was reminded of that maxim when a friend recently complained to me of a new piece that he thought was too "European-sounding."
The only way, I believe, a piece can be too "anything-sounding" is if that "anything" does not exist in the universe or in the subconscious.
Europe is most definitely in the universe, and its impact on the imaginations of many of the world's artists, for good and for bad, is undeniable. Repressing that influence is a choice that many artworks may make with impunity, but an outright rejection of the truth of that influence for any artist who has felt it, either through the soles of the feet or the synapses of the mind, is unseemly, unnecessary, and just plain counterproductive.


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Divers prefer Subac because, unlike other underwater cements, Subac does not separate or "smoke" in water, making it easy to apply under virtually any conditions, providing divers with maximum visibility to complete their work.