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RIDGWAY – After a harsh winter storm postponed its meeting earlier this month, the Ridgway Area Chamber of Commerce has rescheduled its annual membership meeting to Tuesday, Dec. 29 at the Ridgway Community Center (Town Hall) at 6:30 p.m. A variety of topics will be discussed including changes to its bylaws, a possible merger with the Ouray Chamber Resort Association and the upcoming lodging tax ballot question.
RACC Board President John Lorimer said on Tuesday that the meeting will provide a look ahead at what the RACC will be involved in over the next year, most of which will be dedicated to finding ways to improve the business climate in Ridgway and Ouray County. Most important for RACC members, Lorimer said, will be the re-organization of the chamber's bylaws.
"This will be a key part of the meeting," he said. "Almost all of the bylaws have been rewritten to focus on the mission. There are also some procedural things, which will basically give the body more authority than the board of directors. General meetings will become more important for major issues." He added that a whole new section added to the chamber's bylaws deals specifically with a new code of ethics.
Up for discussion at Tuesday's meeting will be the topic of a possible RACC merger with OCRA.
"Right now we are working on collaborative ideas," Lorimer said. As an example of merger possibilities, he said they may consider providing a discount to business owners who join both chambers. "We will also discuss joining together to get some planning work done and move forward organizationally," Lorimer said.
A hand vote at Tuesday's meeting will decide if the chamber will move forward with the formation of an economic development sub-organization. This organization, Lorimer said, would act as a 501(c)3 nonprofit organization.
"There are a ton of grants out there for economic development and having a nonprofit group would enable us to go out and get those grants," Lorimer said.
Also up for discussion at the meeting will be how the RACC can become stronger if Ridgway voters approve an April ballot question that would give 100 percent of the town's collected lodging tax funds to the RACC for marketing purposes. Currently the RACC receives half of the town's collected lodging tax funds, which is, on average, approximately $12,000 per year. The ballot question is still being drafted by town staff and its final form has not yet been approved by the Ridgway Town Council.
RACC members will have the opportunity to learn about marketing on RACC's website and will also be taking input on improving the business climate.
The chamber is asking for those who attend to bring an appetizer to share. Brew from the Colorado Boy Brewery will be served. Lorimer may be reached at 970/325-7961.


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WRD Maps
The Wildlife Resources Division manages a wide variety of resources across Georgia, ranging from Wildlife Management Areas, Public Fishing Areas and Natural Areas to access points such as boat ramps and hiking trails. As a user of these resources, maps can serve as valuable tools for locating and enjoying these recreational opportunities. Within this section of the WRD Web site, you will currently find maps, guides and resource locators for some of the Division's managed areas. These include the freshwater boat ramp locator, trout stream maps by county, some Public Fishing Area maps, reservoir and river fishing guides and a sampling of the new Wildlife Management Area maps.

subset: commoncrawl


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I think you should have checked his references first.
here's the scenario...
we just had a pedestal sink installed.
1. the plumber never removed the caulking from the wall from the previous sink. so when he installed the basin, it can't sit flush (due to one vertical line of caulk on the left side).
2. he only fastened it to the wall with tapcon screws. he said this was fine because our wall has about 3/4-1" of cement behind the (thin) tile, and "it won't pull out of the concrete. 1" sounds pretty thin to me as far as that goes. there is a gap all along the top rear edge and i can easily lift the front of the sink up and down ( closing and opening the gap in the back).
3. he didn't screw the pedestal base into the floor because he said they are really hard to get at. it looks like there's plent of room to me. besides, couldn't he have just marked the location of the holes , removed the base, and then put back in place and use a wratchet to place the screws? i'm pretty sure he just used silicone caulk to "adhere" the base to our tile floor. there was also a bead on top of the pedestal to "adhere" the sink to the base.
this sounds like he just wanted to cut out any step that involved any effort on his part. i feel like this set up will become very problematic for us in the future.
I think you should have checked his references first.
if it moves and is not flush with the wall,
then he should come back out and clean it up a little better
the tap cons to the tile wall is more than solid enough.......
useing silicone to seal the pedistle ot the floor is ok and much
safer than risking cracking your old tile floor.... that is ok with me.
no one is supposed to be kicking the pedistle anyway...silicone is fine..that is ok..
no one is supposed to be makeing love on the thing either....
but if he left you a gap that you can move becasue of shitty old caulking
he should be made to do it again and clean it up better..
Silicone or Dap are the best ways to firm up and hide imperfections
on a pedistle lav installation......
Last edited by master plumber mark; 09-14-2008 at 07:53 AM.
I agree with you, its best to install
a pedistle like you have "wild teenagers"
silicone or Dap will make the thing almost
impervious to just about anything life can throw
at it.....you will almost pull the whole wall
down if it is caluked properly
I know that is why I was
called out to repair one one time ....lol
Last edited by master plumber mark; 09-14-2008 at 05:01 PM.
I had an emergency call one night a "few" years back where I was sent to a business at about 1 AM on a Friday night...
It seems the business owners son brought a young lady by the office to show her something and a sink fell off the wall taking the drain and angle stops with it...
I had to meet him there Saturday morning to make it look like it never happened...
Yea doing wild thangs on bathroom sinks can surprise you...
I never fasten the pedestal to the floor. I need to be able to pull it out to service it or replace the trap or waste parts.
Rather, I use silicone between sink and pedestal, and put a bead around the outside of the pedestal. If I need to get back in there, I can just cut the caulk.
When I install, I put the pedestal partially beneath the sink, leaving room to tighten trap and tubes. Then I push it in and caulk it.
Steve's Plumbing Service
I use caulk also between sink and pedestal, I also caulk it to the floor. If there is anchoring holes in pedestal I will use this if I can besides caulking. you can also achieve connecting plumbing using a right angle channel lock. This works excellent for pedestal installs. I use lag screws when anchoring to the wall if I know there is backing behind drywall. If there is nothing I use toggles to hold the sink tight to the wall. I know some might not agree but it does work well.
"Labor create's all wealth and therefore that all wealth belong's to Labor"
I like to walk in, take a look, shake my head in disgust and leave
God I hate pedistal sinks and the bonehead's that decided to bring them back from the grave where they belong.
What's next? Wall hungs with chrome legs? Wooopee..
How about the dresser that someone decided to turn into a lav? Boy that's fun making up the connection behind all those drawer deviders
Then there the "floating" glass lavs that need a custom european overflow and supply tubes. Wonderfull stuff. So stylish to brush you teeth in.
Here's a good one. A butchers table converted to a lav with a china drop in sink made in Mexico. Faucet mounts on the wood. Love rich people, really I do. So creative.


text: Springtime, fun time. Some of the city's finest female mixologists reveal what they're shaking up (on and off the clock).Who: Kati Rundell, Drinkshop at W Atlanta – DowntownWhat: Southern Girl's LemonadeWhy: Perfect for preparty cocktails or lounging by the pool.How: Combine 1½ oz. gin, ¾ oz. Grand Marnier, ¾ oz. fresh lemon juice, ¾ oz. honey, 4 muddled cucumber slices, and 4-6 muddled mint leaves in a shaker. Shake and loosely strain over crushed ice. Top with soda and garnish with a mint leaf and cucumber slice.Who: Melissa Hayes, Holeman & Finch Public HouseWhat: The WhichsideWhy: A Day-Glo sip to match your bikini.How: Mix 1½ oz. Old Tom Gin, ¼ oz. Strega, ¼ oz. agave syrup, 1 barspoon Luxardo maraschino liqueur, and a heavy handful of mint in a shaker tin. Shake hard. Using a fine mesh strainer, double-strain liquid into a chilled cocktail glass.Who: Lara Creasy, JCT Kitchen & BarWhat: Leaves of GrassWhy: Forgo the trek and bring the beach vibe home. How: Muddle 3-4 tarragon leaves in a cocktail shaker. Add ice, 2 oz. vodka (preferably Bison Grass), ½ oz. vermouth, ½ oz. lemon grass simple syrup*, and a dash of lemon juice. Shake and strain into a martini glass. Serve with a single tarragon leaf. *To make the lemon grass syrup, chop up a stalk of lemon grass and bring to a boil with 1 c. water and 1 c. sugar. Once cool, strain and reserve syrup for cocktail use.Who: Alli Royce Soble, La Tavola TrattoriaWhat: Glenda's NightcapWhy: Just a hint of sweetness makes it go down easy. How: Pour 1½ oz. Strega over ice in a rocks glass. Add 2-3 drops bitters and juice from 2 lemon wedges. Fill the glass with soda and a splash of ginger ale. Shake gently.Photo: Angela Rutherford / Flickr


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(PETERBOROUGH) (PETERBOROUGH) Mental mistakes proved to be costly for the Crestwood Mustangs on Thursday (Nov. 8).
Missed tackles and dropped balls by the Mustangs helped propel the Centennial Chargers to a 21-0 victory in junior football COSSA championship action at Crestwood.
"They really hit hard and played a physical game," Mustangs' assistant coach Roger Jenkins says following the loss, the Mustangs first this year since dropping their season opener to Fenelon Falls.
"They did everything that we taught them but it was just a couple of mental mistakes."
After a scoreless first quarter, the Chargers opened the scoring in the second quarter when Kaelan Hercus picked off Mustangs' pivot Josh Johnston and ran back to the house to give the visitors a 6-0 lead. Hercus added his second of major of the game late in the first half when he caught a short pass from Blake Reid and ran it 50 yards to the endzone. The Chargers missed both convert attempts but held a 12-0 advantage at the half.
"At the end of the first half everyone turned off and they thought they were going to make it out of the half," says Jenkins.
Hercus was at it again in the third quarter, setting up the Chargers third touchdown with a long run on the opening kickoff of the half. Reid found Nathan Slik in the endzone with 20-yard pass and Daniel Hall made good on the convert to put the Chargers up 19-0. Reid rounded out the Chargers scoring with two punt singles in the fourth quarter.
"They had a good day and have some very good athletes that they put in the right spots and they beat us fair and square," says Jenkins.
It was the first time this year that the Mustangs offence was shutout, but Jenkins felt the offence moved the ball well.
"If we calculated all the yards, the offence had some great drives. They just couldn't put it together to put it in the endzone," he says


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Field Recordings archive
Watch Of Monsters And Men Brings Out The Sun KEXP
June 13, 2012 – Watch the band perform "Mountain Sound" against the picturesque backdrop of the Gorge Amphitheater. KEXP
Watch A Morning Walk With Sauti Sol
May 30, 2012 – The Afro-fusion quartet from Nairobi greets the Austin morning with a version of "Love or Leave."
Watch Debo Band: Ethiopian Funk On A Muggy Afternoon
May 16, 2012 – Debo Band gives a rousing performance at Joe's Crab Shack in Austin during South by Southwest 2012.
Watch Steve Coleman And The Invention Of New Languages WBGO
April 27, 2012 – The saxophonist explains his unique dialect: equal parts music theory, esoterica and Charlie Parker. WBGO
Watch Lee Fields: Early Morning Soul
April 18, 2012 – The veteran soul singer gives a passionate, stripped-down performance of "Still Hanging On."
Watch Amadou And Mariam: Finding Mali In Harlem
April 11, 2012 – Mali's breakout superstars perform an acoustic version of "Wily Kataso" at The Shrine in Harlem.
Watch Filastine And The Cathedral Of Junk
April 4, 2012 – The electronic artist brought his attitude, electronics and a cellist to a junkyard in Austin.
Watch Dry The River: An Oasis Of Calm Amid The Feedback
March 27, 2012 – Watch a stirring performance with swelling vocal harmonies, recorded during the frenzy of SXSW.
Watch Eric Harland And Avishai Cohen: Scrap Metal Improv
February 28, 2012 – Watch an impromptu duo improvisation from the most unorthodox of Newport Jazz Festival venues.
Watch Alisa Weilerstein: Playing Bach With The Fishes
February 16, 2012 – Weilerstein serenades the sea creatures at the National Aquarium in Baltimore with music by Bach.
Watch Mountain Man: A Choir Of Angels
February 2, 2012 – Standing amid old rubble, the Vermont trio performed an all-too-brief version of "Sewee Sewee."
Watch David Wax Museum: Folk Among The Ruins
January 12, 2012 – The band climbed through broken window frames to perform amid dilapidated ruins in Newport, R.I.
Watch Mantra: Post-Minimalist Percussion In Aisle 12
January 12, 2012 – A hardware store proved an ideal setting for a performance of Timber, written for six two-by-fours.
Watch Gil Shaham: A Violinist's Day At The Museum
January 12, 2012 – Violinist Gil Shaham performs an impromptu Bach recital at the Smithsonian's Hirshhorn Museum.


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Yes, I'm going to stay. It will probably be awhile for me to get used to it and to spend as much time on here as I did on MB & Brides collectively.
Hey Ladies, Long time no post huh? I wanted to touch base with all of you, but to my shock the board has changed....I'm sooo confused now! I personally don't like this format very much either. I liked it when we could all see who was on and see the most recent posts. Too much on this format. I've missed you all so much, the last post I posted (3 weeks ago) told about all the unfortunate events in my life right now. Things are getting alittle better. I'll post more elsewhere on here, when I figure out where I'm going!?
I might check in every once in awhile. but, i serioulsy doubt i will post as much as i did when we had the old format.
this site just isnt fun anymore. I don't think it's easy to read. it just feels cold to me now. I don't like it that much
As for the women that did leave...I am friends with quite a few of them. They moved on to Zoe's board. Zoe's board is just better in my opinion. I haven't noticed any bickering over there and it's just nicer. That's all. :) Several of the women that left had valid reasons for leaving. They were very well known members on the old setup and now they have to start out fresh. It's not fair to someone that has spent many hours on these boards pouring out their heart and thoughts into many posts to have most of them ripped away. I don't think anyway. They DID give it a chance if they were here for even 5 minutes. This board just isn't as much fun anymore. it doesnt feel like family anymore.
I forgot to post the link to zoe's site. It's so much easier to navigate and it's really fun. :) Anyone thinking of leaving but sad because they dont want to leave the friends they've made can join. :) The more the merrier...
They were very well known members on the old setup and now they have to start out fresh. It's not fair to someone that has spent many hours on these boards pouring out their heart and thoughts into many posts to have most of them ripped away. I don't think anyway. -----> I didn't say this someone else did.
I had over 1200 at MB and like 200+ at Brides, and I'm not complaining that they are gone. WE ALL started at 0 again. Most of the posts are coming up. I see some where I know I posted. GET OVER IT.
Message was edited by:
Why do people keep saying they are leaving but keep posting the same thing every day? BLAH BLAH BLAH...if you are going to go then go, if not stay and have fun with the rest of us but please stop the redundant complaining!
Ha Ha Ha!
Good question! I wanna know why too....:-)
Me Too! I am getting r-e-a-l-l-y tired of all the whining going on. Suck it up Ladies and embrace the change. In the words of Martha Stewart, Its a good thing...
I definitely have not posted as much as I used to, but as I am just checking out the site, it really is easy to use once you get used to it. Eventually I think it will be just as easy to navigate as the old one. I will probably post every once and a while, who knows. Change is change, and it will eventually be positive or negative. It is what you make of it.
My only gripe: I just hope they change the font so that it is easier to read.
WOW.....kylesbaby...Why are you so quick to fight with everyone lately? It's awful!
I can understand why kylesbaby said what she said. There has been a lot of negative comments about the new boards, they're not that bad. The thing that bothers me, and I'm sure I'll get flamed for this, is that many people (not all) that are unhappy with the new boards are pissed because of the post count. I'm saying that as a person that was on both of the old boards, I felt I realy couldn't participate on the boards as much I would like because there was a group aof high posters that I felt had a hold on the board. Now don't get me wrong, they are nice people and all and none of them ever did anythigto me, but I was kind of intimidating.
Here, with everyone starting out the same, I feel that I can be a contributing member of the board. But that's just me.
Flame on!!
I don't think kylesbaby is quick to fight with anyone...I think she has been very sweet and understanding...the thing with losing all your posts I just don't get what the big deal is, I understand some people had tons and tons but I thought the point of the boards were to give advice, not to worry about how many posts...this way everyone is starting equal...I will for sure be sticking around I have fun talking to the girls and getting pointers!
I don't think kylesbaby was quick to fight with anyone.� She simply said what a lot of us were thinking.� What is awful is all of the complaints that just keep on coming.� So I agree...Get over it or move on.� Let's plan�some weddings!
How can you say that about kylesbaby?� She's been one of the most vocal about giving the boards a chance, and it's all been positive.
It really is starting to get old reading the whiney posts.� Admin isn't going to bring back the old message board format, ya'll can threaten to leave all you want.� People get engaged every day and new brides will join the boards everyday.�
If you want to leave, leave!� Good Luck! (but like I have said in a previous post, I bet a round of beer for the whole group that many of you will be back....)
And as far as the post count, I just don't get it, but hey, if that's how you put value on yourself in the setting of a message board, then get typing!� (I've gotten far better advice from a few brides with lower post counts than some with the higher counts, but HEY, that's just me).
Well I said I wouldn't but now I'm gonna stay...I can't leave you all I need ya too much when I have questions..I'm gonna hang in there and stick it out with everyone else!
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2 bed, 2 full bath. Why Keep Paying Rent? You could own this unit for $680/mo. (including HOA Fee & Taxes). This lovelyMore info


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Texas Health Presbyterian Hospital–WNJ, formerly Wilson N. Jones Medical Center of Sherman, Texas, is a joint venture involving Texas Health Resources and LHP Hospital Group Inc. Texas Health holds a majority ownership share and LHP manages operation of the hospital. Texas Health and LHP share governance of the facility.
Following the link below will open a new browser window and display a separate, standalone website for Texas Health Presbyterian Hospital–WNJ.


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Product Model Number Search
Search for Shure products by model number. For example, search for "SM58", instead of "microphone". Product registration includes products and registrable accessories.
If you do not know your product model number, you can find it in the Shure Product Catalog.
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text:
WASHINGTON, DC ( Ivanhoe Newswire) – There are hundreds of drugs unavailable to those who need them most right here in the United States. After years of watching the situation get worse and worse, something is finally being done about it.
Without the drugs they need, paramedics in Oregon resort to using expired drugs to save lives. One out of four surveyed providers across the United States said drug shortages have resulted in a medication error. America makes and uses the most medications in the world, but supplies are drying up.
"Our members are scrambling to try to find the product and often times they're spending more time trying to find the product than they are caring for the patients," Joseph M. Hill, director of federal legislative affairs at the American Society of Health-System Pharmacists, told Ivanhoe.
Drug shortage expert Joseph Hill said injectable drugs used in everything from pain management to cancer treatments remain the hardest hit. That's partly because making them is a meticulous process.
"You have to be 99 percent right because it's going into someone's vein," Hill said.
The FDA'S doctor Sandra Kweder said several large facilities closed in the last few years because quality problems.
"Really, drugs go into shortage because companies have difficulty making them, pure and simple," RADM Sandra Kweder, M.D., deputy director of CDRR's FDA' s office of new drugs, said.
And the FDA didn't have the power to do anything about it. A presidential executive order followed by congress's approval of the prescription drug user fee act is changing that.
"A company producing prescription drugs in the United States must notify the FDA as soon as possible whenever they shut down due to a quality issue. If they're discontinuing a product they must notify the FDA within six months of that discontinuation," Hill said.
That will help the FDA work with other makers to ramp up production, expedite approval of new drugs and allow temporary supplies from other countries.
"Try to prevent shortages in the first place. That is number one," Dr. Kweder said.
Kweder said the FDA has been able to prevent more than 100 drug shortages because of the new measures.
"We've seen a six fold increase in reports about potential shortages," Dr. Kweder said.
Still, some hospitals are creating their own solutions to deal with the ongoing issue. Duke Hospital adopted an approach based on models used in organ donations. Key drugs for cancer and other diseases are distributed to patients with the greatest need and to those who stand to benefit the most. Patients not given a certain drug because of shortages can appeal the decision. To help avoid shortages, a South Texas Hospital system has opened its own multi-million dollar distribution center that allows it to buy drugs in bulk. Now it can pack, label and distribute drugs to its hospitals safely and fill prescriptions in a fraction of the time. Still the question remains, will the new law prevent more hospitals from taking such measures?
"We're not out of the woods yet," Hill said.
For now, there's still a chance the drugs you need, might not be available. Two generic drug companies said they're expanding to help with the shortages. Under the new law, review time of generic drug applications could be cut from three years to less than one year. That could help many generic drugs get approved faster and cut down on the number of medications in short supply.
USAGE OF EXPIRED DRUGS: When paramedics ran out of a critical drug used to treat irregular heartbeats, the Bend Fire Department in Central Oregon resorted to using expired medications. Medications are only guaranteed to work as intended until their expiration date. When stored properly, most expired drugs won't be harmful to patients but will become less effective with time, according to medical professionals and according to the Associated Press, Oregon health officials began allowing ambulances to carry expired drugs, and southern Nevada has extended the expiration dates for drugs in short supply. Arizona has stopped penalizing ambulance crews for running out of mandated medications.
THE PROGRESS: While there are still drug shortages in affect, the United States government and the FDA has begun to play an active role in trying to help the drug shortage problem. New acts signed into law by Barack Obama will speed up the review process of new drugs that could be used in the place of others not currently available. The act will also increase the communication between the drug manufacturing companies and the FDA so that the FDA is ready to help these companies avoid shortages. Furthermore, the FDA has begun to import drugs from abroad that were not yet available in the United States. With these continued efforts it is hoped that the drug shortages will begin to lower. (Source: www.cnn.com)
PRESCRIPTION USER FEE ACT: The Prescription User Fee Act was first passed in 1992 and has been renewed several times and was renewed most recently this year in the hopes that it would help to alleviate the drug shortage problem in the United States. The act allows the Food and Drug Administration to collect fees from companies that produce particular drugs and biological products in the hopes that it will speed up reviews of new drugs and therapies. In 2012 the act was renewed for another five years and an early warning system for possible drug shortages was also added to the legislation. Under the early warning system, manufacturing companies will have to notify the FDA at least six months before discontinuing a drug or if there are any foreseeable disruptions in the manufacturing process that might make a particular drug be in short supply. Hopefully with warning the FDA will be able to prevent a drug shortage by either helping the company rectify the issue or finding another source of the drug. (Source: www.ama-assn.org)
Joseph Hill, Director of Federal Legislative Affairs, discusses new legislation concerning drug shortages in the United States.
Why are we seeing such a spike in drug shortages these days?
Joseph Hill: Well, there are a number of factors that lead to drug shortages. We have seen everything from the availability of raw materials, to industry consolidation, and also product quality issues. Most of the shortages are in the generic sterile injectables and the manufacturing processes for those types of products are quite complex.
That has been affecting more than just patients, correct? It affects hospitals?
Joseph Hill: Absolutely. Our members are scrambling to try and find the product, and often times they are spending more time locating the product than they are caring for the patients.
Now, that basically costs time and money?
Joseph Hill: Absolutely, we conducted a survey last year that found that roughly $216 million is being spent nationwide just to try and locate the products that are in short supply.
Can you find them overseas?
Joseph Hill: You could. In some cases, it is sort of a last resort for the FDA to allow a company to import a product from, say, a European source to get a temporary supply of the product until manufacturing capacity in the U.S. can be brought up to speed.
Is there any way that the physician could do that without going through the FDA?
Joseph Hill: No, current law only allows manufacturers to import product with the approval of the FDA.
Because there have been so many shortages, I read an article about paramedics using expired drugs. Is that a possibility?
Joseph Hill: We have heard that in some cases, EMS or first responders are taking a little bit of a chance and using products that maybe beyond their expiration date in certain cases, but our understanding is those are only in cases where the choice is either the patient is going to die or you risk giving them the outdated product.
In February the U.S. government allowed shipments of drugs from India and Australia to fill in the gap. How much is that helping?
Joseph Hill: It is helping. In certain cases the FDA will allow temporary importation of a drug and that enables the supply to continue while the U.S. manufacturing capacity can be brought back online.
Are those drugs really helping patients today?
Joseph Hill: Yes. In one case, the FDA allowed the importation of methotrexate, which is a cancer drug. They allowed a 2 to 3 week supply to come in from an Australian source while American companies got their production capacity back online.
Who should take the blame or most of the blame for the shortages?
Joseph Hill: Well, one thing we have not seen is a bad guy. We have seen a number of different factors contributing to drug shortages and in particular, the quality issues in the manufacturing. We have not seen any evidence to suggest that there is any market manipulation. It is just rather these products are very difficult to make. You have to be 99% right because it is going into someone's vein and often times if a manufacturer has any question about the integrity of the product, they are going to stop their production of it to investigate the problem and then to correct that problem. That often takes time and sometimes it results in a shortage situation.
President Barack Obama signed a bill that passed into law in July. Why did it take so long for something like this to become a law?
Joseph Hill: I think there were five hearings conducted by Congress on both sides; the House did 2 hearings, the Senate did 3 hearings. So, I think there was a lot of investigation on how can we correct this problem, what are the best steps to take, and how do we approach it in a thoughtful manner and not make the situation worse.
Can you talk a little bit about the law?
Joseph Hill: The main element in the drug shortages provision of the FDA User Fee law is an early notification requirement. So, a company producing prescription drugs in the United States must notify the FDA as soon as possible whenever they shut down production due to a quality issue. If they are discontinuing a product, they must notify the FDA within 6 months of that discontinuation. That, in turn, will enable the FDA to work behind the scenes with other manufacturers to ramp up production or expedite approval or in certain rare circumstances allow another company to import temporary supplies until the U.S. capacity is up and running.
If they don't then there is a penalty, correct?
Joseph Hill: Well, the law has no civil monetary penalties. Instead, if a company fails to comply with the early notification requirement, it receives an automatic letter from the FDA asking why it failed to comply and the company must respond to that letter within 30 days.
Do you see a lot of patients going through this right now? What can they do?
Joseph Hill: Well certainly. We are urging patients to constantly communicate with the physician, with all of their caregivers. Obviously, there is a lot of concern out there, especially among cancer patients, that they will not get the treatment that they need. So we are urging them to constantly communicate with their physician and their physicians in turn are working with other members, including pharmacists, to try and locate the necessary medications.
How much do you think that politics play into the prescription drug problem?
Joseph Hill: We have not seen any evidence that shortages are the result of any political manipulation. Obviously, there are some folks that think that there are economic causes to drug shortages. We simply do not have any data to suggest that economics is playing a role. We would like to investigate that further, but we need to be careful that we are not providing economic incentives to create shortages in the first place. So, I think we really want to gather some more data before we go down that route.
What should Congress do versus what the FDA should do to help with the problem?
Joseph Hill: Well, Congress certainly took an important first step in enacting the User Fee legislation earlier this year. This is going to enable the FDA to compile information about manufacturing capacity and be able to work behind the scenes to ensure that the necessary supply of products is not interrupted. In the meantime, we think that Congress can work with other agencies such as the Drug Enforcement Agency to examine whether controlled drug quotas are actually exacerbating the shortage of controlled drugs, but for the most part Congress has taken a critical first step.
Do you have any idea how many deaths are associated with the drug shortage right now?
Joseph Hill: I do not think we have a set number of deaths. I think I have heard somewhere around 15 deaths associated with drug shortages, but it is very difficult to run across any data or any studies that have examined exactly how many deaths are due to drug shortages.
What is next? Who should take the blame? What can patients do to protect themselves?
Joseph Hill: Certainly patients should be talking to their doctor. They can be monitoring our website as well as the FDA's website if they think that any medication that they are on may go into short supply. The FDA is already working very hard with the manufacturers to ensure that the manufacturing capacity is up and running. Certainly, Congress has taken that first step in giving the FDA some additional tools that it needs. We are already seeing a downward trend in the number of new drug shortages, so we have got less this year than we had last year. We are certainly not out of the woods yet, but it is a good trend and it is something that we want to continue.
How much money do you think that we would save if this problem was solved completely?
Joseph Hill: That is a good question and it is a difficult one to answer. Certainly we know the labor costs involved in tracking down product, which we have estimated at $216 million nationwide, but we do not know the out-of-pocket costs that consumers may suffer as a result of having to go with second line treatments that may not be covered. So that is certainly difficult, but at least from what we can tell on the labor cost side, those are significant costs to the system. I think I would just make the point that in a year when the two parties are just not cooperating and there is such a partisan tenor down on Capitol Hill, it was refreshing to see that this bill passed with widespread bipartisan support. It may be one of the few things that passes this year.
Would it be better if there were more than one company in this country that was making this same drug? Would that help?
Joseph Hill: Well, certainly, I think that in some cases it would definitely help if there were more than one manufacturer. I think another point to make is that in the newly enacted law the FDA has the ability to provide expedited review of products. So, there may be applications that are on the books or in someone's in-box in the FDA that simply are not being acted upon, but these are applications to make a generic product. The other element of the User Fee Act is there is now a generic user fee program. So a generic company, just like a brand company, will now pay the FDA to have the agency review its products. This will help to alleviate the bottleneck of new applications that the FDA has to review. Because it is a new revenue source, the FDA is going to be able to hire additional reviewers so our hope is that this will greatly reduce the time it takes for a manufacturer to begin to make a drug because the FDA will have to obviously approve that application.
It seems to me like there are too many regulations. The FDA has to go through so many different hoops and steps to be able to approve something. Could that be also contributing to it?
Joseph Hill: We have not seen that as much as we have just the sheer number of applications and not enough people to be able to review them. So because of this legislation, it opens up a new revenue stream and the FDA is going to be able to hire additional reviewers to review those applications. Our hope is that we are gradually going to see an increase in the number of manufacturers of many of these medications. I would reiterate that it is almost like the 5 second rule with a cookie; it hits the floor, oh that is fine, a 5 second rule with the pills, probably not going to harm you. A 5 second rule with something that is going directly into your vein that could potentially kill you, so really the stakes are high when we talk about the quality of the products.
In Europe everything gets approval faster.
Joseph Hill: I would add another contributing factor to shortages is the increased demand for these products.
The increased demand, does that mean that we are getting sicker?
Joseph Hill: Well, we are getting older. As we get older, we get sicker, so I think the aging of the population means more people are getting sicker as they get older. I think we are also doing more preventative services. We are identifying conditions or diseases a lot earlier than we were, so you see more and more treatments with medication rather than surgery. If you look at the screening, people are getting their screenings done earlier and earlier and the screenings are better able to detect a potential problem. So, we see more and more cancer diagnoses being done earlier in the process and I think that also contributes to the increase in demand.
Some companies, those making blood disease drugs for example, do not have to warn the FDA when there is going to be a shortage, correct?
Joseph Hill: Well, in the final bill, it is left to the discretion of the FDA to include it. So for example, biological products, technically they are not included in the bill and neither are blood products, but the FDA can determine that if it is necessary to include those within the early warning requirement they can do so if need be. In our discussions with FDA, they have indicated to us that they have every intention of including those products within the early notification requirement.
FOR MORE INFORMATION, PLEASE CONTACT:Joseph M. HillDirector, Federal Legislative AffairsAmerican Society of Health-System email@example.com


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Movie Details
Rise Of The Guardians
November 21, 2012 | 1h 37m
Chris Pine, Alec Baldwin, Jude Law, Isla Fisher, Hugh Jackman, Dakota Goyo, Khamani Griffin, Kamil McFadden, Emily Nordwind, Jacob Bertrand, Ryan Crego, Isabella Blake Thomas, Rich Dietl
Christina Steinberg, Nancy Bernstein, William Joyce, Guillermo del Toro, Michael Siegel, Tom Jacomb, Cameron Stevning
David Lindsay-Abaire, William Joyce
RISE OF THE GUARDIANS is an epic and magical adventure that tells the story of Santa Claus, the Easter Bunny, the Tooth Fairy, the Sandman, and Jack Frost – legendary characters with previously unknown extraordinary abilities. When an evil spirit known as Pitch lays down the gauntlet to take over the world, the immortal Guardians must join forces to protect the hopes, beliefs and imagination of children everywhere.
- Christina Steinberg Co-Nominee for the 2013 Producers Guild of America Award for Animated Motion Pictures
- Nancy Bernstein Co-Nominee for the 2013 Producers Guild of America Award for Animated Motion Pictures
- Nominee for the 2012 Critics' Choice Award for Best Animated Feature
- Nominee for the 2012 Golden Globe Award for Best Animated Feature Film


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"We're living at a time when a major shift in attitudes is bringing on a new era—one in which people get more value by owning less property."—Sunrun CEO Lynn Jurich explains why she doesn't own a car, how the American dream is shifting, and what she means by the new era of sharing.
January 2013
"It's too late for probably most people and that's my fault. I view this situation as one big lie I repeated a lot of times."— Lance Armstrong
"When I was a kid, I thought a lot about what made me different from the other kids. I don't think I was smarter than them and I certainly wasn't more talented. And I definitely can't claim I was a harder worker — I've never worked particularly hard, I've always just tried doing things I find fun. Instead, what I concluded was that I was more curious — but not because I had been born that way. If you watch little kids, they are intensely curious, always exploring and trying to figure out how things work. The problem is that school drives all that curiosity out. Instead of letting you explore things for yourself, it tells you that you have to read these particular books and answer these particular questions. And if you try to do something else instead, you'll get in trouble. Very few people's curiosity can survive that. But, due to some accident, mine did. I kept being curious and just followed my curiosity. First I got interested in computers, which led me to get interested in the Internet, which led me to get interested in building online news sites, which led me to get interested in standards (like RSS), which led me to get interested in copyright reform (since Creative Commons wanted to use similar standards). And on and on. Curiosity builds on itself — each new thing you learn about has all sorts of different parts and connections, which you then want to learn more about. Pretty soon you're interested in more and more and more, until almost everything seems interesting. And when that's the case, learning becomes really easy — you want to learn about almost everything, since it all seems really interesting. I'm convinced that the people we call smart are just people who somehow got a head start on this process. I fell like the only thing I've really done is followed my curiosity wherever it led, even if that meant crazy things like leaving school or not taking a "real" job. This isn't easy — my parents are still upset with me that I dropped out of school — but it's always worked for me."— Aaron Swartz, in a previously unpublished email exchange with Ronaldo Lemos.
"Being able to be truly happy at work is one of the keys to being happy in life."— Heidi Golledge, CEO and cofounder of CareerBliss
Earlier this morning Seth MacFarlane, this year's Oscars host, announced the Oscar nominations.
It seemed like the entire world took to Twitter to weigh in.
"You're from US Weekly? I always get you confused with the New York Times.." - @sethmacfarlane on CNN. He's going to be SO good. #Oscars
— Piers Morgan (@piersmorgan)January 10, 2013
"Corporations are ruled by the systems that you create."— Eric Ries
"If you're not being inspired by your research, your audience won't be inspired by your work."— Brian Millar (via fastcodesign)


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Indicus in News
Books & Reports
White Papers
|Written by Indicus Research
|Monday, 08 November 2010 03:45
Affluent households with chief wage earners in their middle age form a sizeable segment of urban SEC A households.
Affluent households with chief wage earners in their middle age form a sizeable segment of urban SEC A households. As the second largest SEC A sub-segment, this group is comprised of one-quarter of all urban SEC A households. The chief wage earners in this group are well-educated businessmen or professionals, and are generally in the age group of 35-44 years. The defining characteristic is that they are all married with young children. Households have, therefore, usually three-four members, and most families have one or two children. Though this segment includes both joint and nuclear families, the households are predominantly nuclear families and just 16% have one or two senior citizens.
These small, well off families are largely dependent on the earnings of the chief wage earner, though in nearly one-third of the households, there are other earning members as well—spouses or parents. Most spouses are homemakers, who do not necessarily need to go out to work. Yet, they are, for the most part, well-educated and quite capable of being employed outside the home. The earning potential is, therefore, high in this segment, and the next generation is also being groomed to study higher skills, in all probability abroad.
The head of the household is usually a graduate; many are professionals. While self-employment accounts for around 40% of the chief wage earners in this segment, the majority hold salaried jobs. The sectors of employment are diverse—education, health and social work being the most common fields, followed by manufacturing. Construction, real estate and trade, both wholesale and retail, are other sectors that offer the maximum potential to those who may not be very well-educated or who may not even hold graduate degrees, but who have basic business skills and families or other connections to start off small enterprises on their own. The chief wage earners in this segment are well-settled in their careers.
As affluent households in their middle years, the majority live in houses they own, a higher percentage than the SEC A households in their younger years. These families are climbing up the income ladder and the ownership of consumer durables is high—not just vehicles and large TVs, the latest in microwaves and fridges are becoming the staple in many urban affluent kitchens.
These households are the ultimate consumers of the new and the trendy. They are well-connected to the world through traditional media as well as through the Internet. They travel for holidays, within India and abroad. These families have the desire and the ability to get their children the best the world has to offer. Not all families are super-rich, but this segment is weighted towards the higher-income categories.
When it comes to location, it is but natural that while there are many households that fall in the highest income category, earning more than Rs.15 lakh per year, the highest number is in Mumbai, India's financial and commercial capital, followed by Delhi and other metros. Yet, smaller cities such as Nagpur, Faridabad, Vadodara, Lucknow, Rajkot, Coimbatore, Surat, Durg, Ernakulam and Dhanbad also have a sizeable number of these SEC A households in their middle years. Interestingly, if we look at the proportion of households in the top income category, Gandhinagar, Chandigarh and Faridabad stand out. The beauty of India's urban consumer geography is that pockets of affluence are found in all regions and demand is spread out across the country.


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TCU membership comes with an array of products, services and features that allow you to grow and manage your personal finances online, on-the-go or in a branch. It's everything you want from your financial partner.
Travis Credit Union's easy-to-use, secure Online Banking service allows you to manage your accounts, anytime, from any computer with Internet access. With Online Banking, you can view account balances, pay your bills,* review transaction history, transfer funds, view cleared checks, sign up for (and view) E-statements, reorder checks and much more. You can also e-mail us questions about account activity (or managing your finances) using Secure Messaging — it's the secure, private way to get the answers you need.
We've recently upgraded our Online Banking system with great new features (but it's still point-and-click easy).
Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information. Safeguarding your account information is at the forefront of everything we do. We've added "Two-Factor Authentication" and other security upgrades as extra layers of protection to your account (above and beyond requiring a conventional password). Features such as photo selection, computer ID verification, and personalized "challenge" questions, allow you to customize your log-in, providing you with a higher level of online security.
*Bill Pay service is free with every TCU checking account.
Bill Pay is an easy-to-use feature of TCU's Online Banking service that lets you pay bills online, anytime, from any computer with Internet access. There are no checks to write, no stamps to buy; and best of all it's free with every TCU checking account. And, since it eliminates most of the paper associated with paying bills, it's environmentally friendly.
With free Bill Pay, you can schedule payments in advance, set up recurring payments, receive bills electronically and review your payment history - instantly. To view interactive demos describing all of the benefits of Bill Pay and Online Banking please click here.
Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information when you use our Online Banking services.
It's easy. To use Bill Pay, you must first enroll in Online Banking, click here if you're a "New User."
Once you are enrolled in Online Banking, just click the "Pay Bills" link near the top of the screen for easy-to-follow instructions. That's it.
Running out of your Travis Credit Union checks? It's easy to reorder online within our secure Online Banking system. If you're not enrolled in Online Banking, click here if you're a "New User." It's easy.
Once you're logged-in to Online Banking, just click the Re-order Check link near the center of the page.
If you need assistance with your check order, please call our Member Service Center at (800) 877-8328 Monday through Saturday during regular working hours.
E-statements are electronic versions of your statements that you view online instead of receiving paper statements. E-statements are a feature of Travis Credit Union's easy-to-use Online Banking service.
When you sign up for E-statements, you'll receive regular e-mails notifying you when your E-statements are available. Just login to Online Banking to view and print 15 months of your Travis Credit Union statements.
As with all of our online services, Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information. A valid e-mail address is required otherwise the system automatically unsubscribes you from E-statements.
To receive E-statements, you must first enroll in Online Banking. Click here if you're a "New User."
The one-time enrollment process takes just a few minutes.
Once you are enrolled in Online Banking, just login to your account and click the "E-statements" link in the top menu for easy-to-follow instructions. That's it.
The fast and convenient way to transfer funds between your TCU accounts, and accounts outside of the credit union Money Mover is part of the Transfer Funds feature of Travis Credit Union's easy-to-use Online Banking service. Money Mover lets members transfer funds anytime (from any computer with Internet access) to and from their TCU savings and checking accounts to accounts outside the credit union.
This postage-free, time-saving service puts you in control of your money. You can use Money Mover with any deposit account at a financial institution that has an ABA (American Banking Association) routing number. Best of all, there's no fee to transfer funds into your TCU account from another institution. A $1.00 fee per transaction applies when transferring funds from your TCU account to another financial institution.
Money Mover allows you to make both one-time transfers or recurring transfers in fixed or variable amounts, with a transfer limit of up to $1,000 per transaction, up to three times per weekday. There is no limit to the number of accounts you can activate for transferring funds.
It's easy. To use the Money Mover feature, you must be enrolled in Online Banking. Click here if you're a "New User."
Once you are enrolled in Online Banking, just click the "Transfer Funds" link near the top of the screen, then click the "Money Mover" link on the left side of the page for easy-to-follow instructions. That's all there is to it.
The one-time enrollment process takes just a few minutes. (Note: it may take 2-5 days to verify and activate your accounts with this feature once you are signed up.
View and print cleared checks online 24/7To make it easier for you to manage your money, we've added an Online Check Imaging feature to Online Banking. To use this feature you must have a TCU checking account and be enrolled in Online Banking, (click here if you're a "New User"). The one-time enrollment process takes just a few minutes.
How to access Online Check ImagingLogin to Online Banking then click the link for your checking account on the "Accounts Summary" page. A list of transactions for your checking account will be displayed. To view or print a cleared check, just click the check icon in the 'Check Number' column.
As with all of our online services, Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information.
Our Online Loan Application lets you apply for an auto loan (new or used), auto refinance, credit card, motorcycle, boat, R.V., personal loan, Ready Reserve Line-of-credit or a computer loan online, anytime.
Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information when you use our Online Banking services. The process is simple, easy and fast. Gather the information listed below and fill out the online application. Depending on the type of loan you are applying for it can take anywhere between 5-15 minutes.
**Reminder: All your data will be lost if you leave the loan application process before submitting your data.**
"My Offers" Pre-qualified LoansFind out if you are pre-qualified...online, or by phone
Just login to Online Banking and click "My Offers" in the top menu. If you're not enrolled in Online Banking, click here if you're a "New User." The one-time enrollment process takes just a few minutes.
Or, if you prefer, just call us Monday through Saturday during regular business hours at (800) 877-8328; we'll be happy to assist you.
Contact us securely - with confidenceWe've included a secure messaging feature within Online Banking to make it easier for you to communicate with us. And because it's a secure connection, your personal information is protected. To access this feature you must be enrolled in Online Banking, click here if you're a "New User." The one-time enrollment process is easy and takes just a few minutes.
How to contact TCU via Secure MessagingIt's easy. Just login to Online Banking and click the "Messages" tab near the top of the page, then click the "Compose New" button. Just type your message and click "send." That's it. We'll respond to your inquiry as soon as possible with answers to any of your questions.
When you need to make a loan payment fastSpeedPay allows you to make your TCU loan payment from any checking account! Enjoy the convenience of SpeedPay for a small fee of $10, to make sure your loan is paid quickly. Simply call (866) 731-1347 to make your payment from any financial institution checking account, or you may access this service online by clicking the button below.
If you prefer, you can call (800) 877-8328 and one of our representatives will be happy to assist you in processing your payment over the telephone for a $12.00 fee.
Thank you
Enjoy the convenience of online transfers 24/7We've made it easy for you to transfer funds within your TCU accounts. Just login to Online Banking and click the "Transfer Funds" tab at the top of the page.
Online funds transfers make managing your money easier. You can set up a recurring transfer, view (or edit) pending transfers, review past transfer activity easily online 24/7, at your convenience. If you need to transfer funds to accounts outside of Travis Credit Union, use Money Mover, another time-saving Funds Transfer capability you get free with Online Banking. Money Mover is located in the "Transfer Funds" tab of Online Banking.
We also offer cross account transfers between your separate account numbers. A separate cross account transfer agreement is required to enable this feature. You can visit a branch and speak with a friendly member service representative to sign up for this convenient feature.
How to access Transfer FundsIt's easy. To use the Funds Transfer feature, you must first enroll in Online Banking. Click here if you're a "New User." The one-time enrollment process takes just a few minutes.
Once you are enrolled in Online Banking, just click the "Funds Transfer" link near the top of the screen for easy-to-follow instructions. That's it.
Download the free Travis Credit Union mobile banking app on your smartphone or mobile device today and easily access your accounts anywhere, anytime.
Get the free mobile app for Android™Click the Google Play™ icon below to download our mobile banking app.
Get the free mobile app for iPhone®Click the App StoreSM icon below to download our mobile banking app.
Apple, the Apple logo, iPhone, iPod touch, and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of; Android, Android Market and Google Play are trademarks of Google Inc. Popmoney is a registered trademark of CheckFreePay, a subsidiary of Fiserv, Inc.Leaving Site: You are about to leave Travis Credit Union's Web site and link to an alternate, third-party Web site not operated by Travis Credit Union. Please be advised that Travis Credit Union does not guarantee the products, information or recommendations at linked sites and is not liable for failure of products or services advertised on them. Travis Credit Union does not represent third-parties or the member if they enter into a joint transaction, nor does the credit union guarantee the privacy and security of your information once you access a third-party site, as their privacy and security policies may differ from those practiced by Travis Credit Union.
Makes your life easier. TCU Mobile Banking makes your life easier by providing you with access to your accounts anytime from your mobile device, and by helping you find conveniently-located ATMs and TCU branch locations. Best of all, TCU Mobile Banking is free, secure, and easy-to-use.
It's easy
You can now find the closest free CO-OP Network® ATMs – anytime – from your wireless mobile device.
Just text your location – address, intersection or zip code – to 692667 (MYCOOP) from any mobile phone, and you'll receive a text listing the two closest CO-OP ATMs locations.
You can also download the complete database of more than 30,000 free CO-OP Network ATMs directly to your Garmin®, Tom-Tom® or other GPS device using the link below.
These great free services makes it quick and easy to locate all 30,000 free CO-OP Network ATMs.
Like CO-OP Network ATMs, 692667 (MYCOOP) is a free service, however, standard text messaging charges from your service provider may apply. And don't worry, you won't receive any unsolicited messages by using 692667 (MYCOOP).
Click here to visit the CO-OP Network Web site for complete details about both of these convenient services.
Please view the Disclosures & Agreements for terms, conditions and details about TCU products and services, including electronic services.
You can now access your checking and savings account information via text messaging.It's easy. Just dial the access number from your registered mobile device and enter your secret PIN. That's it
Your text message will usually arrive in seconds, but messages may take up to 30 minutes depending upon your service provider (some providers process their text messages twice per hour).
Charges for text messages from your service provider may apply. Because some providers charge by the letter to deliver text messages, we have provided three message types in varying sizes:
If you have any questions, please contact our Member Service Center. Please click the Disclosures & Agreements link below for terms, conditions and details about this and other TCU products and services.
Our ATM card allows account access through any ATM or point-of-sale (POS) device. Use your Personal Identification Number (PIN) and the card for cash withdrawals, to transfer funds among credit union accounts, for balance inquiries and to review your deposit history.
You can access your accounts free at 30,000 ATMs nationwide
Call-24 Phone Banking is a free, easy and convenient way to access your accounts 24 hours, 7 days a week and is available from your home, office or while you're traveling.
You can begin using the service when you call a member service representative to request a Call-24 Personal Identification Number (PIN). Then, all you need is a touch-tone phone to transfer funds among your credit union accounts, make loan payments, verify balances or review recent deposits or account history.
When you call our Call-24 Phone Banking system, you'll be asked to enter your account number and PIN on the telephone keypad. Then, simply listen for your desired menu option and follow the voice commands. It's that easy!
What's more, the Call-24 Phone Banking system uses voice recognition throughout the menu options. If you know what you need, you can bypass the automated menu and simply state your request, and that option will begin.
Save time: re-order online or by phone - it's your choice.Running out of your Travis Credit Union checks? It's easy to reorder online within our secure Online Banking system. If you're not enrolled in Online Banking, click here if you're a "New User." It's easy.
Once you're logged-in to Online Banking, just click the Re-order Check link near the center of the page.
Sign up for automatic direct deposit and Travis Credit Union will credit your account a day early:
To enroll in Travis Credit Union's Direct Deposit program through your employer, please download this form (PDF) and return it to your payroll office.
To sign up for recurring deposit of your Social Security payment, call the Social Security Administration at (800) SSA-1213. Or, click here to visit Go Direct to sign up online for direct deposit of Social Security, Supplemental Security Income (SSI), VA Compensation and Pension, and other federal benefit payments.
For more information about Travis Credit Union's Direct Deposit or Payroll Deduction program, visit any branch, or call (707) 449-4000 or (800) 877-8328.
For your reference, our routing number is 321170839
For military deposits, visit the Defense Finance and Accounting Web site and click on myPay and log in with your Social Security Number. If you need a Personal Identification Number (PIN) to finish logging in, click on the New PIN button to get a code for completing the Direct Deposit instructions.
* Subject to receipt from originator and other terms and conditions.
To provide extra convenience to our members, we offer American Express Traveler Cheques® at our full-service branches for a small fee.
When traveling, American Express Traveler Cheques provide another level of security if you happen to lose your purse or wallet. You can have your lost cheques reissued by reporting the loss to an 800-number, where you'll be directed to the nearest American Express representative. These cheques can be purchased in various denominations and with single- or double-signature authority.
Sometimes you just can't decide on the perfect gift. That's why we offer prepaid VISA Gift Cards at our full-service branches for a small fee.
Our prepaid VISA Gift Cards are sold in denominations from $10 to $500. These gift cards can be used for many of the same types of purchases and transactions where you'd use a credit card. Gift cards will be activated within 24 hours of purchase at any TCU branch and gift card recipients can personalize their gift card information online.
To provide extra convenience to our members, we offer American Express Gift Cheques at our full-service branches for a small fee.
When you want to acknowledge a special occasion with a cash gift, an American Express Gift Cheque is the ideal solution. These cheques can be used as cash almost anywhere, and are registered at the time of purchase for additional security. Cheques are available in $25, $50 and $100 denominations.
To provide extra convenience to our members, we offer Teller Checks at our full-service branches for a modest fee.
When you need to ensure payment through a financial institution, a Travis Credit Union Teller Check may be the perfect solution. Teller Checks may be used for large purchases, such as vehicles, down payments and personal investments. They are sometimes preferred as payment for purchases across state lines when personal identification is harder to verify.
Notary Public services are available to validate identity and second-party witnessing on legal papers and documents. Notary service on Travis Credit Union documents are free; there is a small fee for each notarized signature on non-TCU documents. Please visit one of our full-service branches for assistance.
You can request a stop payment on a personal check by calling our Member Service Center at (707) 449-4000 or (800) 877-8328 or visit a Travis Credit Union branch.
You will need to provide the following information: check number, date written, exact amount and payee. If the amount and check number are not accurate, the check may be paid. A stop payment cannot be placed on an item that has already been presented.
Stop payment orders expire after one year and a fee usually applies. For more information, please refer to the TCU Checking Account Disclosure by clicking the Disclosures and Agreements.
When you need to provide immediate funds to an individual in another part of the country or the world, use our Western Union wire transfer service. Please visit one of our branches for assistance.
For valuables you'd rather not keep at home, we offer safe deposit boxes in various sizes at the following branch locations:
Please visit one of the branches listed above for safe deposit box availability and pricing details; there is an annual fee for this service, based on the size of the box.
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To see if a particular piece of software is the problem, you may temporarily disable a program and test your computer. Once you have determined the source of the problem, you should enable your security software for your protection. If you find that a piece of security software is preventing your from working with Travis Credit Union please contact the vendor of the software for a way to work around this problem.
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When you are in a secure area, at the bottom of your browser you will find a lock similar to this one pictured here.
What is Travis Credit Union doing to protect me and my information?Travis Credit Union has always kept their members information private from day one. Even before the Internet our normal day to day practice is to protect our members and there information at all cost.
Our proactive nature to security concerns have kept us on the forefront of security in the credit union industry. We strive to set the security standard that our credit union industry is held to by constantly auditing ourselves and systems to make sure they provide the same trustworthy service our members have come to rely on.
The Secure Sockets Layer (SSL) protocol has become the universal standard on the Web for authenticating sites and for encrypting communications between users and Web servers. Because SSL is built into all major browsers and Web servers, simply installing a digital certificate or Server ID enables SSL capabilities.
SSL server authentication allows users to confirm a Web server's identity. SSL-enabled client software, such as a Web browser, can automatically check that a server's certificate and public ID are valid and have been issued by a certificate authority (CA) — such as Thawte — listed in the client software's list of trusted CAs. SSL server authentication is vital for secure e-commerce transactions in which users, for example, are sending credit card numbers over the Web and first want to verify the receiving server's identity.
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What does this mean to me?This means your data is secure from prying eyes. You can also verify your security level in your browsers Help/About section in the drop-down menu's
To use Travis Credit Union Online Banking, members must have Internet access and should use one of the approved Web browsers. All of the recommended browsers have been tested and have an encryption level of at least 128-bit. Other browser versions may function correctly but may not be sufficiently secure so are not recommended.
It no longer works "automatically" with our Online Banking product due to the higher security method currently in place. You can still export your account history money file and import it into your Microsoft Money program regardless of what version you have.
Inside Online Banking select the account you want to export the history from. From the menu on the left of your browser window choose "Export Account Information" choose "Money using Active Statements (OFX)" which you can then download and save to your computer to be imported into Money. With Money 2007 installed it will prompt you to start Money once you click the Export Button inside Online Banking making your export easier.
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Your privacy is important to usTravis Credit Union is committed to protecting your personal and financial information, which has been entrusted to us. We recognize that you expect the highest level of privacy and confidentiality.
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If you are sending an e-mail to Travis Credit Union, we want to remind you that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information, such as your account number, credit card number, or social security number, you (can or are able to) login to home banking and send a secure message to one of our member representatives or call us at (707) 449-4000 or (800) 877-8328. As we are equally concerned, we will not transmit sensitive or personal information that can compromise or violate your privacy when communicating via e-mail.
Personal or financial information transmitted to Travis Credit Union by e-mail may be used by our staff to respond to inquiries for service or information or improve the service we offer.
Browsing our Web siteAll web servers record information, but contain no personally identifiable information other than the IP address of the machine used to access the site. We retain and analyze this information to improve the usability of the site.
What is a Cookie?A cookie is a piece of data that a website can send to your browser and can only be read by the server that gave it to you. You can visit our site anonymously and access product information without revealing your identity. In order to improve our site, we use "cookies" to track your visit. It cannot be executed as code or deliver viruses.
Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some Web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)
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It is equally important to verify that only authorized users log into our Home Banking system. We use password verification to ensure user authorization. For added security, if a password is entered incorrectly three times, access will be denied. Protect your password as you would your account. Use a unique password that is known only by you. Never share your password with anyone. Should you ever receive a request to reveal your password, contact us as soon as possible at the telephone numbers listed at the end of this notice.
For further security, our online server is not directly connected to the Internet. This, plus the other security measures already listed, block unauthorized access to credit union and member records.
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Financial privacyTravis Credit Union has adopted a Privacy Policy. Our Privacy Statement may be accessed from our homepage. This policy describes the categories of personal, nonpublic information we collect from our members and the circumstances under which we may share that information.
What does Travis Credit Union (TCU) do with your personal information?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
This credit union is federally insured by the National Credit Union Administration.
© 2014 Travis Credit Union All Rights Reserved. We value your membership and your privacy is very important to us. Privacy Policy | Do Not Track Website Policy


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To test if the bowl water height is proper, take a bucket of water and after first noting the current level in there, slowly pour water in. To work properly, the water height in the bowl should be at the max level. If it gets higher and stays there after pouring water into the bowl (any excess will slowly drain out on its own), then you need to check the tube that going into the overflow pipe. If it isn't clipped on or is misaligned, or pushed down into the tube, it won't work right. If the water level drops to the original height, then that's as high as it gets on that bowl, nothing you can do about it. If it does go higher and stays there, then you need to investigate why it's not filling. If the water height in the tank is proper and the overflow bowl fill tube is oriented properly, then the fill valve is either the wrong one for your toilet, or needs to be replaced.
The hissing you noticed could have been from some debris that got caught in the seal. Subsequent flushes washed it away.
Jim DeBruycker
Important note - I'm not a pro
Retired Defense Industry Engineer; Schluter 2.5-day Workshop Completed 2013, 2014
As you read, I wasn't even willing to give American Standard a second chance even if I bought a Grade A Cadet 3 as shown at a plumbing supply house. If anyone asks me where and what to buy for a toilet, I will tell them NOT to buy one at a box store, and then I will point them toward Toto and to the plumbing supply house where I bought my two Drakes.
.As you read, I wasn't even willing to give American Standard a second chance even if I bought a Grade A Cadet 3 as shown at a plumbing supply house.
How does that work? do they take the rejects with minor or major defects and give them to the big box stores?
It has been said, but I cannot confirm, that to get the lower price, the big box stores tell the manufacturer to not perform a final inspection (that is done for those that are sold through plumbing supply houses). Thus, it may come off the same production line, could be perfect, but also could be a reject if it were to go through that final inspection. So, you buy it, you are the final inspector. Most people don't know what to look for, and may not realize that it isn't working as it should. Course, it could be fine.
Jim DeBruycker
Important note - I'm not a pro
Retired Defense Industry Engineer; Schluter 2.5-day Workshop Completed 2013, 2014
I recently purchased 2 Cadet 3 toilets although they are now called cadet 3 Savers. I had read about the splashing problem and I too see a problem with splashing. After spending days looking over the toilet I think this may be just the design of the low water flow toilet. These toilets have the 3" flush valve(?) and I think that makes them more powerful. Combine that with a very low amount of water and I think this may be the cause of the splash. I have noticed that if you hold down the handle for about a second more then the entire tank will empty and there will be no splash. Overall I am happy with this toilet and we do not mind adjusting to holding the handle down for a second more or so when needed. I have a relative who bought 3 low water flow toilets and saw a significant decrease in his water bill.
Last edited by Terry; 07-09-2011 at 07:17 PM.
Holding the handle down defeats the whole water saving premise...today's low flow toilets use the water height to provide the push and are not designed to use the whole tank like the old ones did. Holding it down can use as much as twice the water, and not save much, depending on the age of the one replaced. Good ones do not splash...
Last edited by Terry; 07-09-2011 at 07:16 PM.
Jim DeBruycker
Important note - I'm not a pro
Retired Defense Industry Engineer; Schluter 2.5-day Workshop Completed 2013, 2014
Thanks in advance!
I installed two basic Cadet 3 Roundfront Toilets (6 Liters) in our household of 5 adults around September 2009, and both have been working well with no problems for 2 years now. Great flush, fast and not noisy, never need 2 flushes (to my memory), even though I adjusted early the water-level to just under 5 liters ! Its superior performance compared to our previous 13 L toilets, which did not flush sometimes, can be explained as follows :
1) The flush-valve is 3 inches, much larger than the 2" in most toilet tanks, thus giving a stronger water down-flush. Same as the top-rated Toto toilets which are more expensive.
2) The trapsize is 2 1/8", which is said to be about the average today or slightly more. The minimum standard was 1 1/2". Champion has larger trapsizes and Caroma has 3" and 4". It is sufficient anyhow to our experience.
3) The trapway is glazed, allowing a smoother pass ( I have checked it with my hand, though it didn't feel fully glazed inside, or as smooth as the outside).
4) The wide water-surface area (9" x 8") should be a contributing feature also.
Another feature is that it fits into our bathroom floor rough-in which is less than 12" perfectly (measured from the flange-hole center to the back wall), since the Cadet 3 toilet rough-in is measured about 11 1/2" (from the bowl-outlet center to the tank's back). Our former toilet has an exact 12" rough-in, which caused a misalignment with our flange-hole, a ' tilted ' tank, and water leak troubles in our bathroom to downstairs ! However, if your floor rough-in is 12" or more, you could see a small gap between the tank and wall.
Only one complication in our case. I found some waterdrops appearing nonstop at the tank's bottom after installation. Eventually, I bought a set of tank bolts/nuts/washers that has additional washers and nuts sealing the tank bottom's openings where the bolts come out, and there was no more water dripping. I sealed the second toilet similarly without testing first. I further put some Duct tapes on the first tank's bottom and back just in case of condensation.
Also, I used ' nylon ' nuts (white plastic) instead of the common ' brass ' nuts to prevent rusting, which has caused me much trouble in removing the toilet from the floor, and separating the bowl and tank. Moreover, I put washers and nylon nuts onto the floor bolts to ' fix ' them to the flange, so I could ' center ' the toilet bowl-outlet with the flange-hole surely without shifting the bolts' positions, as the bowl touched them during installation. This off-center misalignment has caused water leak problems to our ceiling downstairs before !
I bought each roundfront bowl (3011.016.020) and lined tank (4021.500.020) at a home depot store in Toronto for about $200 Canadian dollars - a great deal considering many more expensive toilets simply do not flush as well ! And many use more water still ! The outer design of Cadet 3 looks very nice either. Can't find a better deal.
Last edited by simonC; 10-07-2011 at 08:43 AM. Reason: To be more accurate in some details
Our Cadet has ben installed for 16 months. Works perfectly. Never had to flush twice. Mechanism is fine and has never plugged. Works as a toilet should! I would recommend this unit to anyone!
Glad to see some customers are not running into defects. For me, American Standard got it wrong, Home Depot made it right.
By the way, it does flush OK after Home Depot and I fixed the multiple quality problems:
1) Had to hold lever down until water makes loud gurgle in bowl, then release (else no flush); there was a styrofoam float missing from top of flapper.
2) Leak from tank bolt or tank outlet. Found this helpful comment above: "As far as I can tell, it's leaking around the sides of the gasket that goes between the tank and the bowl. If I fill the tank and watch that space, I see water starting to well up there, and then eventually start dripping out through the bolt holes... Yes, that's your leak. The large plastic nut may need to be tightened..." There was a gap between the large plastic nut and the rough porcelain surface.
3) Instructions do NOT correspond to parts, for example, no mention of the extra(?) pair of tight-fitting plastic 'washers' - maybe useful to clip the bowl base bolts into place and stop them wandering while lifting the heavy bowl into place (not mentioned in instructions).
4) It's a tough job to cut bolts after bowl is installed, so that bolt covers fit properly. Instructions should give an alternative of measuring *very carefully*, put on a nut temporarily, cut off amount indicated by measurement, then re-thread with nut. Use hacksaw or Dremel with cutter blade?
Tank went back to Home Depot, they exchanged the tank. (If they had to order replacement, I would suggest they order at least 2, so there is a better chance of one being defect-free). There is now a softer gasket, perhaps a design change to fix leak problems. I'm wary of American Standard, there seem to be quality problems. Would give it 2/5 since it does flush OK once the leaks and defects are fixed; includes a handy long nut driver for tightening nuts on tank bolts. Acts like a dual flush now: poke handle and it flushes using part of tank (about 3 liters), hold handle down and it empties tank (about 5 liters).
One had this defect around at least 70% of the rim. Disgusting. The other had it in about 3 spots that were about 3 inches long. Both went back and the mansfield's back on a new wax ring until the Drakes I ordered online arrive. I'm kicking myself for not taking pictures. Maybe a Cadet from a *real* plumbing supply house won't have these defects, but i will NEVER buy another American Standard from Home Depot again. That's for sure, and both companies are getting a short nastygram from me because of this experience. Begin the "I told you so's"!
Oh, forgot to mention that the exit part of the trap was different than in all the pictures too. On both Cadets, there was no little "hump" before exiting, it made that flat almost 90 horizontally across the floor to the exit, just like all the other cheapos. The display model at the store had the hump. The two I got, none. Buyer beware, or at least open that box and inspect it before taking it home.
Right is right and I was wrong and am paying for it.
I read reviews here and elsewhere on the Cadet 3 Flowise. They were on sale ay Home Depot so i bought one to replace the misserable excuse for a toilet my wife and I have been plunging eveytime we use it it seems for the last 6 years.
WOW does it flush great, does it flush down fecal matter well? I'll never know, the damn tank bolts leaked, nothing I did helped, just made more of a mess. Putting a level on it the casting is not flush either on the bowl portion. I double checked my install, the floor is level and all was done properly. The toilet was simply cast defective.
I called AS and I called Home Depot, they both agreed it should be returned for a replacement. Once was enough. I figured out of the thousands made what are the chances I would get a defect described in these and other forums. I got exactly that. Having read this forum I figured why do the same job three times. I called around and found a TOTO Drake closer to me than the Home Depot was. I uninstalled the Cadet 3 and pulled a muscle in my back and neck while carrying the heavy damn thing to the truck. Home Depot got it back, I opted for a full refund and stopped by the plumbing supply store up the street and bought the last TOTO Drake they had in stock. I figured the exrta $60 and pulled muscles were my punishment.
It took no more time to install the Drake then did the Cadet 3 and DOES NOT LEAK from its tank bolts, It seems to flush just as forceful as the Cadet 3. I still don't know how it does on fecal matter, nature hasn't made that call yet but it has to be better than the no name lame excuse for a toilet it replaced.
When your right, your right.
EDIT: So far so good, the TOTO Drake has flushed the best we can throw at it so far on the first flush with no plunger needed.
Neither my wife nor I care for the TOTO slow close seat. I will be replacing that with something more comfortable to us.
Last edited by Terry; 01-20-2014 at 10:47 AM.


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Baxter Credit Union Reaches $1 Billion in Assets
For immediate release:
April 22, 2005
Contact: Astrid Perez
(847) 522-8723
Vernon Hills, IL – April 22, 2005 – Illinois based Baxter Credit Union (BCU) reaches $1 Billion dollars in assets, announced Michael G. Valentine, President and CEO.
BCU has experienced great growth since its inception in 1981. Started as a credit union for Baxter employees, BCU has expanded its services with membership now open to several prestigious companies around the country and a large portion of the greater Chicago land area.
"Member service is the cornerstone of all we do. Throughout the years, our focus and commitment to our members has driven us to add value, convenience and security. We attribute our member focus to BCU's success and great growth. Our members drive us to be forward thinking and aggressive in our goals". Mike Valentine, President and CEO.
BCU currently serves more than 115,000 members throughout the United States and Puerto Rico. BCU is a not-for-profit, member-owned credit union offering a full range of financial products and services, in English and Spanish. Known for competitive rates, low fees, and state-of-the-art services, BCU is headquartered in Vernon Hills, Illinois.
"BCU's healthy growth to $1 Billion dollars in assets is an encouraging sign that our numbers and policies are being effective; but even more than that, they are a reminder that our various range of products allow us to serve a diverse membership base – one person at a time", said Bob McKay, VP and COO.


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Fish Tapes Forte
Thomas Labs
Each capsule contains 170 mg of the active ingredient Praziquantel. Each capsule is 5 times the strength of 1 regular Fish Tapes (item TL-F5). 30 count size is equivalent to 150 regular capsules.
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