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We can remove your black magic and come up with a safety crew all over you Therefore no person in long run can do a black magic. In the event your really like is not really pleased with you, You're not receiving profit equal to your own private physical efforts, your operate doesn't get thriving than it could be a black magic, kala Jaadu, spell carried out on you. Then call us and we make Alternative for kala Jaadu.
asal bangal, younan, misar ka kala jadu kya hey aur kese chalta hey afsos yeh kisi e book sey nahi milta naa World-wide-web per on-line koi ilm miley ga yeh seena ba seena chalney waley raaz hotey hen jo hamesha makhfi rehtey hen aur makhfi amliyat ki duniya mei aisey he gum ho jata hey aap ko agar kala jadu crucial asal ilm sey apna kam apna har masla hal karwana hey tou hum sey Speak to karen hum aap ka har masla apney tez tareen mujrrab amliyat sey hal karen gey.
A kala jadu professional is just one that has comprehensive information on the astrological things that make up your individual daily life as well as the additional basic features of astrology for example the placement of planets as well as their consequences on people of different signs. And then there are the chants or the mantras that have been devised as a way of repelling negative energies that might have been directed at you.
Bengal ka Jaadu is the full Hindi time period Which means magic of Bengal. Jaadu and tona is part of black magic And all of these will be the parts of astrology. Vashikaran and black magic will not be a alike point. For the reason that Vashikaran is simply utilized for superior explanation whilst black magic use for negative function.
kala jadu ki haqeeqat sey or On line Kala Jadu Specialist sey inkar nahi kiya jaa sakta yeh aik aisa mazmoon hey aik aisa ilm hey jo zamana qadeem sey aaj bhi apni asli halat mei qayem mojud hey kala jadu karney waley ya jadugar zaroor kam ho gaye hen ab woh tadad nahi rahe jo zamana e qadeem mei jadugaron ki tadad hoa karti thi lekin aap hum yeh haqeeqat sey moun nahi morr saktey essential jadu ka ilm ya kala ilm aaj bhi hey aur iskey karney waley bhi hen.
An especially destructive reaction will likely be to try to place stumbling blocks during the pathway of the individual they envy. A kala jadu specialist will help you to undergo whatsoever issues which has been maintaining you down. It is almost like an investigation and all achievable clues are passed through in advance of pinpointing whether or not There's been any kala jadu attempted on you.
agar aap ko serious amil kaala jadu kala jadu specialist in mumbai specialist ki talash hay tou aap hum sey aik martba Call karen aap ka masla kesa he mushkil keon naa ho hum zaroor hal kar dain gay.
jo jadu kartey hen har cheez ka aik tareeqa e kar hota hey agar aap jadu karna chahtey hen tou pehley aap ko amil on the net Kala Jadu Specialist Astrologer seekhna hona hai jo shayid aj important dour mei seekhna mushkil hay aur naa he koi real baba koi mojud hai.
She is familiar with the necessity of like as well as beloved and to make your daily life smooth sailing, she offers the best and some of the easiest Vashikaran and black magic for love back spells.
Pandit ji is specialist in black magic and has actually been practising this because long time. Until now he has huge knowledge On this area and he gets the most beneficial success as a result of his practice.
Agar hum apni really like difficulties kay liye jadu like taweez ka sahara letay hen tou yeh hamaray liay bohat sharam ki bat hay aik musalman kay liye uska deen eman he sab kuch hona chaihay, lekin hum duniya parasti mei itnay andhay ho chukay hen phir bhi Kala Jadu Taweez For Adore he karna chahtay hen. jab ALLAH Pak nay hamen apnay Quran mei sab kuch diya hay mukammal shifa rakhi hay hum us taraf nahi aatay yehe wajah hey hum jadu Taweez For Enjoy ki taraf lag jatay hen aur duniya wa aakhrat ki zalalat apnay zimma lay letay hen.
Black magic specialist is the appropriate person for being consulted and contacted to realize just about anything or every thing sought after by you in everyday life. The expert specialist is extensively recognized for its techniques and expertise in the magical art that will transform your daily life for excellent only. The magical specialist can Allow you have the luck, money, like and everyday living like you always desired.
Kala jadu could make a person unwell, wounded or incident due to kala jadu specialist has spiritual powers. We know that it's quite standard to think on kala jadu but few peoples feel that kala jadu existence on the earth.
After that I contacted pandit ji for my trouble and given that then my everyday living has modified. He has united us and we are receiving engaged this fall. Thank you for your blessings Aghori mata ji
Top latest Five kala jadu specialist Urban news
We can remove your black magic and come up with a safety crew all over you Therefore no person in long run can do a black magic. In the event your really like is not really pleased with you, You're not receiving profit equal to your own private physical efforts, your operate doesn't get thriving than it could be a black magic, kala Jaadu, spell carried out on you. Then call us and we make Alternative for kala Jaadu.


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WND Exclusive
Mitt Romney's step beyond same-sex 'marriage'
As governor, promoted issues benefitting transgenderism
Mitt Romney
Mitt Romney, the former Massachusetts governor and current GOP presidential hopeful, helped hawk not only homosexual "marriage" in Massachusetts, but took the activism a step further while in the capital, helping push forward the transgender movement, charges a new book.
Activist, researcher and author Amy Contrada says that although the biggest part of her research for her book was documenting Romney's support for the homosexual agenda, most voters don't know how strongly Romney supported transgendered duos.
"Gov. Romney's executive agencies even pushed 'transgender rights' alongside 'gay rights,'" Contrada says.
Contrada is the author of "Mitt Romney's Deception: His Stealth Promotion of 'Gay Rights' and 'Gay Marriage' in Massachusetts," and says her book is a warning for those who don't know Romney's record.
It documents now the Romney administration mandated a poster advocating for "Transgendered Health."
The poster from the Romney Department of Public Health was pushed statewide – in doctors' offices, school nurses' offices and public transportation. The poster claimed "Transphobia in healthcare is unhealthy.'"
"A nurse in a Massachusetts public high school was instructed to post the DPH 'Transgender Health Poster' showing three people: One is clearly a young man trying to pass for a female, one a flamboyant 'drag queen' wearing gobs of makeup, and one an unnaturally flat-chested young butch female with facial piercings," she reports.
Poster in Massachusetts while Mitt Romney was governor
In the book, Contrada also lists several actions Romney took that seemed to contradict his words supporting traditional families.
"Romney's commendable opposition to a 'clean needle' program for drug users implies that he was paying attention to public health," the book says.
So how could Romney explain the following radical policies by his DPH:
- Assisted AIDS Action Committee's distribution of 'The Little Black Book – Queer in the 21st Century (An X-Rated guide to homosexual sex practices and hook-up venues for young men).
- Eliminated STD testing before issuance of marriage licenses (new law signed by governor).
- Published a politically correct "Toolkit for Physicians" for treating men who have sex with men.
- Officially worked with homosexual hook-up web site, ManHunt.net.
- Collaborated with Department of Social Services on "Waltham House" foster home for "transgender youth."
- Involved in disseminating GLBT propaganda in public schools.
- Issued illegally altered marriage licenses in May 2004 to allow for same-sex couples.
- Maintained a confused policy over altering birth certificates to allow for "same-sex" parents.
Contrada adds that along with issuing the order to change marriage licenses, Romney went a step beyond.
"He also issued special, discretionary one-day governor's marriage licenses to same-sex couples," Contrada said.
Contrada says these issues make her wonder about the silence from the others in the Republican presidential field.
"Where are their statements on abortion, the family, homosexual marriage? And the repeal of 'Don't ask, don't tell'?" She asked.
Contrada points out in her book that since leaving office, Romney has tried to cover up his record as governor. She cites an example from when Romney was a guest on WRKO Radio in Boston's Howie Carr Show.
"When WRKO host Gregg Jackson (and then Townhall.com columnist) called in on the Howie Carr Show one afternoon in December 2007 – as Romney's primary run was already in full bloom – he came under an irrational attack by Romney himself for daring to raise the issue of the governor's implementation of same-sex marriage," the book explains.
"Jackson asked Romney a tough question: Why did you change the marriage certificates when you were not authorized to do so?" the book said.
"Romney immediately insulted Jackson, calling him 'delusional' and 'right-wing,' and refused to give a straight answer, pretending the question was about birth certificates," Contrada's book said.
Contrada also documents that Romney gave former Concerned Women for America President and WYLL Chicago talk show host Sandy Rios similar treatment when she questioned Romney's alteration of the marriage licenses.
Contrada says repeal of "Don't ask, don't tell" is another issue that points to Romney's secret complicity in furthering the homosexual agenda.
"He may not have campaigned for it, but I think he would have gone along with the repeal," Contrada said.
"If you go back to 1994 when he ran for the Senate against Ted Kennedy, he promised the Log Cabin Republicans, the homosexual group, that he supported open service in the military for homosexuals," Contrada said.
"I think it would have been a matter of time before he gave in because he had made that pledge to the Log Cabin Republicans. If you look at his statements he's so fudgy on this whole issue," Contrada said.
Contrada cites the Center for Military Readiness and its opposition to homosexuals openly serving in the military.
"The Center for Military Readiness put out a questionnaire to the candidates when Romney was running before in 2007, he refused to answer their questionnaire," Contrada said.
"I think it's noteworthy that our new Massachusetts senator, Scott Brown, did answer a questionnaire during his campaign promising not to vote to repeal the DADT policy. But then he flipped and voted to repeal!" Contrada said.
However, Contrada says there is a reason for why Brown changed his vote.
"He shares some of Romney's top policy advisers," Contrada said.
Contrada's research is compiled in her book, "Mitt Romney's Deception: His Stealth Promotion of 'Gay Rights' and 'Gay Marriage' in Massachusetts"
Contrada wants to warn voters that Romney's recent public statements don't match his long history in public life.
"In a recent fundraising letter from Romney, he says, 'I am sick and tired of big government.' But he wasn't as governor. Look at Romneycare and his intrusive programs promoting 'gay rights' and GLBT 'identities' in the schools," Contrada said.
Contrada says she's surprised that all of the other GOP candidates aren't calling Romney to account for his big government health care program.
"That's surprising and I don't understand it," Contrada said.
Listen to an interview with Contrada:
She points to another issue in which Romney's actions on the campaign trail don't match his record: The National Organization for Marriage's pledge.
"Recently Romney signed the National Organization for Marriage's pledge to protect marriage. The pledge included a promise to appoint constitutional conservatives to the federal bench," Contrada said.
"Romney also agreed in that NOM pledge to 'appoint judges who will respect the original meaning of the Constitution.' But when he had a chance as governor to call for the removal of activist judges who ruled for 'gay marriage', violating the Massachusetts constitution's clear separation of powers, he did nothing," Contrada said.
Contrada says if Romney wins the nomination, conservatives need to be aware. She adds that it's time Republicans had a better choice than the classic, "Lesser of two evils."
Romney's staff did not respond to WND's requests for comment on this story.

subset: commoncrawl


text: These limited edition series Bicycle playing cards features specialty designs of Stick Man. Has different animation on every card. Watch the Stick Man come to life while flipping through this unique deck of cards. Available for a limited time. Every deck provides you with the same exceptional quality you've come too expect from Bicycle. Now with a fun new look.


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Festival of colors, Happy Holi
It's the festival of colors, its Holi, celebrated across India and even around the globe. Wishing all our readers a beautiful colorful life. Every color is a symbol of life and with bright and extravagant colors in our mind, I bring you a collection of Beautifully design interiors with a splash of colors. So enjoy and inspire yourself with colours.
Happy Holi, or as we say in India "Holi Hai"


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DEFINITIONS. Throughout this Agreement, the terms "you," "your," "account owner," and "party" refer to the Customer whether or not there are one or more Customers named on the account, and the terms "we," "our," and "us" refer to the Bank, NOBLEBANK & TRUST.
GENERAL AGREEMENT. You understand that the following Account Agreement ("Agreement") governs your Checking account with us, along with any other documents applicable to your account, including all account opening disclosures that have been provided to you, which are incorporated by reference. You understand that your account is also governed by applicable law.
The account opening disclosures include a schedule of fees and charges applicable to the account, minimum balance requirements, and other pertinent information related to the account. The information found in the account opening disclosures may change from time to time in our sole discretion. If the fees, charges, minimum balance requirements, or other items change in a manner that would adversely affect you, we will provide you with written notice 30 days prior to the change. By providing a written or electronic signature on the Account Information document or other agreement to open your account, or by using any of our deposit account services, you and any identified account owners agree to the terms contained in this Account Agreement.
SINGLE-PARTY ACCOUNT. The named party in a single-party account owns the account and may withdraw all or some of the funds. On the death of the party, ownership passes as part of the party's estate.
TRANSFERS AND ASSIGNMENTS. We may assign or transfer any or all of our interest in this account. You cannot assign or transfer any interest in your account unless we agree in writing.
POWER OF ATTORNEY. If you wish to name another person to act as your attorney in fact or agent in connection with your account, we must approve the form of appointment.
STALE OR POSTDATED CHECKS. We reserve the right to pay or dishonor a check more than six (6) months old without prior notice to you. You agree not to postdate any check drawn on the account. If you do, and the check is presented for payment before the date of the check, we may pay it or return it unpaid. We are not liable for paying any stale or postdated check. Any damages you incur that we may be liable for are limited to actual damages not to exceed the amount of the check.
PREAUTHORIZED CHECKS OR DRAFTS. You should guard information about your account (such as your routing number and your account number) as carefully as you would guard blank checks. If you voluntarily give such information about your account to a party which is seeking to sell you goods or services, without physically delivering a check to that party, any debit to or withdrawal from your account it initiates will be deemed authorized by you.
VERIFYING FUNDS AVAILABILITY FOR CHECK. You authorize us to release funds availability information about your account to individuals or merchants who represent to us that they have received a check from you.
SUBSTITUTE CHECKS. To make check processing faster, federal law permits financial institutions to replace original checks with "substitute checks." These substitute checks are similar in size to the original items with a slightly reduced image of the front and back of the original item. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original item. Some or all of the items that you receive back from us may be substitute checks.
WITHDRAWALS. Deposits will be available for withdrawal consistent with the terms of the Disclosures. Withdrawals may be subject to a service charge.
DEPOSITS. Deposits may be made in person, by mail, or in another form and manner as agreed by us in our sole discretion. We are not responsible for transactions mailed until we actually receive and record them. We may in our sole discretion refuse to accept particular instruments as a deposit to your account. Cash deposits are credited to your account according to this Agreement. Other items you deposit are handled by us according to our usual collection practices. If an item you deposit is returned unpaid, we will debit your account for the item. You are liable to us for the amount of any check you deposit to your account that is returned unpaid and all costs and expenses related to the collection of all or part of such amount from you. Funds deposited to your account, excluding any Time Deposit accounts, are available in accordance with the Disclosures.
COLLECTION OF DEPOSITED ITEMS. In receiving items for deposit or collection, we act only as your agent and assume no responsibility beyond the exercise of ordinary care. All items are credited subject to final settlement in cash or credits. We shall have the right to forward items to correspondents including all Federal Reserve Banks, and we shall not be liable for default or neglect of said correspondents for loss in transit, nor shall any correspondent be liable except for its own negligence. You specifically authorize us or our correspondents to utilize Federal Reserve Banks to handle such items in accordance with provisions of Regulation J (12 CFR Part 210), as revised or amended from time to time by the Federal Reserve Board. In the event we are subject to local clearinghouse rules, you specifically authorize us to handle such items in accordance with the rules and regulations of the clearinghouse.
If we permit you to withdraw funds from your account before final settlement has been made for any deposited item, and final settlement is not made, we have the right to charge your account or obtain a refund from you. In addition, we may charge back any deposited item at any time before final settlement for whatever reason. We shall not be liable for any damages resulting from the exercise of these rights. Except as may be attributable to our lack of good faith or failure to exercise ordinary care, we will not be liable for dishonor resulting from any reversal of credit, return of deposited items or for any damages resulting from any of those actions.
STATEMENTS. We will provide you with a periodic statement showing the account activity. The last address you supply us in writing will be deemed the proper address for mailing this statement to you. The account holder who receives this statement is the agent for his/her co-account holder(s) for purposes of receiving the statement and items. You must exercise reasonable care in reviewing your statement and reasonable promptness in notifying us of any discrepancies, such as alterations or forged or unauthorized signatures, even if by the same wrongdoer. Reasonable promptness will not exist if you fail to notify us within 30 days after we mail or otherwise make the statement available to you. If you fail to notify us of any discrepancies, with reasonable promptness, your right to assert such discrepancies will be barred or limited to the extent permitted by law. Additionally, you agree that we will not be liable for your forged or unauthorized signature, any alteration on an item, any alteration on the back of the item, or any unauthorized indorsement reported to us after 180 days after we mail or otherwise make the statement or items available to you, even if we failed to exercise ordinary care. However, if the discrepancy is the result of an electronic fund transfer, the provisions of the Disclosures will control its resolution. If you do not receive a statement from us because you have failed to claim it or have supplied us with an incorrect address, we may stop sending your statements until you specifically make written request that we resume sending your statements and you supply us with a proper address.
ACH AND WIRE TRANSFERS. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted in the state of Alabama. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named.
If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made.
PROVISIONAL PAYMENT. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry.
NOTICE OF RECEIPT. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you.
YOUR RESPONSIBILITY FOR BACK OF CHECK. All negotiable paper ("checks") presented for deposit must be in a format that can be processed and we may refuse to accept any check that does not meet this requirement. All endorsements on the reverse side of any check deposited into your account must be placed on the left side of the check when looking at it from the front, and the endorsements must be placed so as not to go beyond an area located 1-½ inches from the left edge of the check when looking at it from the front. It is your responsibility to ensure that these requirements are met and you are responsible for any loss incurred by us for failure of an endorsement to meet this requirement.
STOP PAYMENTS. You may stop payment on a check drawn against your account by a record or written order or other confirmation as allowed by us, provided that we receive the Stop Payment Order in a time and manner that gives us a reasonable opportunity to act on it. The Stop Payment Order must describe the item or account with reasonable certainty. Oral requests for a Stop Payment Order are binding on us for 14 calendar days only, and must be confirmed by you in a record or writing within that period. If the record or written confirmation is not received as specified, we will no longer be bound by your request. Upon receipt of confirmation in a record or writing, a Stop Payment Order on a check remains in effect for six months or until we receive a record or writing revoking the Stop Payment Order, whichever occurs first. If the item on which a Stop Payment Order has been placed has not cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is in effect.
A Stop Payment Order on an EFT debit will remain in effect until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). You will be charged a fee every time you request a Stop Payment Order, and for each Stop Payment Order renewal you make.
You understand that we may accept the Stop Payment Order request from any of the authorized signers of the account regardless of who signed the check. A release of the Stop Payment Order may be made only by the person who initiated the stop payment request. Our acceptance of a stop payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request.
A Stop Payment Order may be placed on either a one-time transfer or on a multiple debit entry transfer. If you request a stop payment on a multiple debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled multiple debit entry. If the Stop Payment Order is requested for an Electronic Check Conversion or other one-time transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise this Stop Payment Order shall be of no effect. Oral stop payment orders are binding on us for 14 calendar days only, and must be confirmed by you in a record or writing within that period.
The Stop Payment Order shall be governed by the provisions of the Uniform Commercial Code 4A in effect in the state in which we are located, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and any applicable state law.
We have a daily cutoff time by which we must receive any knowledge, notice, Stop Payment Order, set-off or legal process affecting our right or duty to pay a check. That cutoff time is one hour after the opening of your branch's banking day, following the banking day on which your branch received the check.
DEATH OR INCOMPETENCY. Neither your death nor a legal adjudication of incompetence revokes our authority to accept, pay, or collect items until we know of the fact of death or of an adjudication of incompetence and have a reasonable opportunity to act on it. To the extent permitted by law, even with knowledge, we may for 10 days after the date of death, pay checks drawn on or before the date of death unless ordered to stop payment by a person claiming an interest in the account.
NON-SUFFICIENT FUNDS AND OVERDRAFTS. If your account lacks sufficient funds available to pay a check, preauthorized transfer or other debit activity presented for payment, we may (1) return the item, or (2) pay the item at our discretion. If we return the item without paying it, we may charge you a non-sufficient funds fee. If we do pay the item on your behalf, you will be responsible to pay the overdrawn balance and an overdraft fee. Overdrafts may be covered by our standard overdraft practice that comes with your account or an overdraft protection plan, such as a link to an account or a line of credit. As part of our standard overdraft practice, we do not authorize and pay overdrafts on ATM or everyday debit card transactions unless you request us to do so. Our handling of these items may subject your account to a fee as disclosed in the fee schedule or other Disclosures. We will process checks and other debit items in the order identified in your Truth In Savings Disclosure.
SIGNATURES. Your signature on the Account Information document is your authorized signature. You authorize us, at any time, to charge you for all checks, drafts or other orders for the payment of money, that are drawn on us regardless of by whom or by what means (including facsimile signature(s)) your signature may have been affixed so long as the signature resembles the signature specimen in our files. For withdrawal and other purposes relating to any account you have with us, we are authorized to recognize your signature; and we will not be liable to you for refusing to honor signed instruments or instructions if we believe in good faith that one or more of the signatures appearing on the instrument or instructions is not genuine.
If your items are signed using any facsimile signature or non-manual form of signature, you acknowledge that it is solely for your benefit and convenience. You agree that no facsimile signature you have authorized us to honor may be considered a forgery or an unauthorized signature, and that every authorized facsimile signature shall be effective as the signatory's own original, manual signature. You accept sole responsibility for maintaining security over any device affixing the signature as such signature will be effective regardless of whether the person affixing it was authorized to do so. Your authorization notwithstanding, we are not obligated to accept or pay any items bearing facsimile signatures.
Further, most checks, and other items are processed automatically, i.e., without individual review of each item. Therefore, unless we agree in a separate writing, in our sole discretion, upon your request and due to unique circumstances to conduct individual review of each item, you agree that we are acting within common and reasonable banking practices by automatically processing checks, and other items, i.e., without individual review of each check, or item. You agree to indemnify, defend, and hold us harmless from and against all loss, costs, damage, liability, and other injury (including reasonable attorney fees) that you or we may suffer or incur as a result of this practice.
FEES, SERVICE CHARGES AND BALANCE REQUIREMENTS. You agree to pay us and are responsible for any fees, charges or balance/deposit requirements as provided in the Disclosures provided to you at the time you opened the account. Fees, charges and balance requirements may change from time to time. We also reserve the right to impose a service charge for cashing checks drawn on your account if the person cashing the check is not a customer of this Bank.
SET-OFFS AND SECURITY INTEREST. If you ever owe us money as a borrower, guarantor or otherwise, and it becomes due, we have the right under the law (called "set-off") and under this Agreement (by which you grant us a security interest in your deposit account and any other accounts held by you) to use your account funds to pay the debt, where permitted by law. If your account is held jointly, that is, if there is more than one account owner, we may offset funds for the debt of any one of the joint owners. Similarly, we may also set-off funds from the individual accounts of any one of the joint owners to satisfy obligations or debts in the joint account. The security interest granted by this Agreement is consensual and is in addition to our right of set-off.
CLAIMS. In response to any garnishment, attachment, restraining order, injunction, levy, citation to discover assets, judgment, reclamation, other order of court or other legal process ("Claim(s)"), we have the right to place a hold on, remove from your account(s) and/or remit to the designated third-party(ies) any amount on deposit in your account(s) as set forth in and required by such Claim(s). If the account(s) is/are held jointly, we may place the hold, remove from the account(s) and/or remit the amounts from the account(s) arising from any Claim(s) relating to any one or more of the account holders. In addition, we may charge against your account(s) any fee authorized by law in connection with the Claim(s) or as otherwise set forth in the Disclosures.
DORMANT ACCOUNTS. You understand that if your account is dormant, we may charge fees specified in the Disclosures to the extent permitted by the law. You agree that we are relieved of all responsibility if your account balance is escheated (that is, turned over to the state) in accordance with state law.
ATTORNEYS' FEES AND EXPENSES. You agree to be liable to us for any loss, costs or expenses, including reasonable attorneys' fees to the extent permitted by law, that we incur as a result of any dispute involving your account, and you authorize us to deduct any such loss, costs or expense from your account without prior notice to you. This obligation includes disputes between yourself and us involving the account and situations where we become involved in disputes between you and an authorized signer, another joint owner, or a third party claiming an interest in the account. It also includes situations where you, an authorized signer, another joint owner, or a third party takes action with respect to the account that causes us, in good faith, to seek the advice of counsel, whether or not we actually become involved in a dispute.
LEGAL PROCESS AGAINST ACCOUNT. You agree to be responsible for, to reimburse us, and/or have your account charged for any expenses or reasonable attorney fees we incur due to an attachment, garnishment, levy or subpoena of records of your account. Any garnishment or other levy against your account is subject to our right of set-off and security interest. We may restrict the use of your account if it is involved in any legal proceeding.
CLOSING ACCOUNT. We may close the account at any time, with or without cause, after sending you notice as required by the law. At our discretion, we have the authority to pay an otherwise properly payable check, which is presented after the closing of your account. Such a termination will not release you from any fees or other obligations incurred before the termination. We will send a check for the balance in our possession to which you are entitled.
OUR WAIVER OF RIGHTS. You understand and agree that no delay or failure on our part to exercise any right, remedy, power or privilege available to us under this Agreement shall affect or preclude our future exercise of that right, remedy, power or privilege.
YOUR WAIVER OF NOTICE. By signing the signature card/Account Information form, you waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your deposit account. For example, if a check that you deposited is dishonored and returned to us, we are not required to notify you of the dishonor.
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text: Many Chinese internet users circulated and signed online petitions against the Green Dam plan [Reuters] They said it distorted fair market competition and could be used to tighten Beijing's grip on political dissent. No new launch date Q&A China's Green Dam web filter And critics are likely to see the postponement - with no fresh deadline for a launch - as a climb-down after the domestic and international controversy that erupted after the plan was revealed in May. Andrew Lih, a journalism professor at the University of Southern California and a specialist in new media technology, told Al Jazeera that the Chinese government "won't outright say that this was a failure or a problem but this was unusual in that there was a lot of pushback on the internet ... and the government responded quite appropriately". Wang Junxiu, an internet entrepreneur in Beijing who objected to Green Dam, said the government "never expected the backlash would be so vehement". "This will just peter out now and the government will hope it will be soon forgotten, I'd say." China's industry ministry said it made the decision partly because some PC makers were having difficulty meeting the deadline, but left open the possibility of the plan returning in some form. "Some businesses pointed out the heavy amount of work, time pressures and lack of preparation," an unnamed official said in a statement on its website. The official, however, rejected claims that the plan threatened free speech, violated international trade rules or was chosen without proper tender processes, and said the ministry "will further solicit opinions from all sides, improve the plan, upgrade methods and carry out related tasks". Opposition US officials had protested against the plan, calling it "draconian" and a barrier to trade, while the European Union called for it to be scrapped and industry groups warned that the software might create computer security problems. With around 300 million web users, China has the world's biggest wired population [Reuters] But the loudest opposition came from Chinese internet users, activists, bloggers and lawyers who circulated online petitions and threatened protests, lawsuits and other actions against the plan. Li Fangping, a Beijing lawyer who had demanded a public hearing on the plan, said Tuesday's decision was a "victory for China's civil society". "Many citizens worked together and voiced their opposition to the forced installation of this filtering software and forced the government to at least think more deeply about it," Li said. "We hope now that they will go ahead and completely drop this order." Lih, the journalism professor, noted, however, that "China is not unique in their goal of trying to censor the internet", pointing out that Australia and Britain have been criticised for trying to use similar filtering software. And Wen Yunchao, a Chinese blogger who has been among the most vocal critics of the Green Dam plan, cautioned that the authorities were "using the word 'delay' instead of saying they stopped the plan". "I think that it's possible that at some point in the future the government could still enforce their policy and install software on personal computers that filters the information people are able to look at. So, I am calling this an intermediary victory." SOURCE: Al Jazeera and agencies


text:
Logitech P710e Portable Speakerphone
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Logitech P710e Portable Speakerphone
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The Logitech Mobile Speakerphone P710e combines enterprise-quality audio, portability, and second-screen flexibility with the human-centric design and user-friendly features Logitech is known for. Users can set up an instant conference room with hands-free, professional audio, an integrated mobile device stand, USB and Bluetooth® connectivity, NFC pairing, and up to 15 hours of talk time.
- Digital Signal Processing (DSP) for enterprise-quality audio
- Wideband audio
- Integrated mobile device stand
- USB and Bluetooth® connectivity with NFC (Near Field Communications) pairing
- Acoustic echo cancelation and noise-cancelling microphone
- 15-hour battery life1
- Optimized for Microsoft® Lync™, Cisco® compatible, and Skype™ certified
- USB cable management
- Dynamic equalizer for voice or music
- Touch controls
- Separate "call answer" and "call end" buttons
- Visual incoming call indicator
- Headphone jack
- Battery charging via USB or AC adaptor
- Zippered neoprene carrying case
Logitech P710e Portable Speakerphone


text: This rich leather KENZO bag makes a luxe impression. The spacious silhouette is trimmed with logo pulls at the angled front pockets and the zip back pocket. A magnetic strap secures the top. Lined interior with 3 slim pockets and 1 zip compartment. Double handles and optional shoulder strap. Dust bag included. Leather: Calfskin. Weight: 20oz / 0.57kg. Made in Italy. Measurements Height: 10.5in / 26.5cm Length: 16.25in / 41cm Depth: 8in / 20.5cm Strap drop: 17in / 43cm Handle drop: 5.5in / 14cm.


text:
We Know Which 'Fast 8' Co-Star The Rock Has MAJOR Beef With
Woof, drama is going DOWN on the set of the Fast & Furious!
Earlier today the Rock posted a pretty explosive Instagram post, calling out some of his male co-stars for being "candy asses" and "chicken shit".
Tell us how you really feel Dwayne.
At the time, the Toothfairy actor left his targets unnamed, although he did point out that his female co-stars were "always amazing".
This is my final week of shooting #FastAndFurious8. There's no other franchise that gets my blood boiling more than this one. An incredible hard working crew. UNIVERSAL has been great partners as well. My female co-stars are always amazing and I love 'em. My male co-stars however are a different story. Some conduct themselves as stand up men and true professionals, while others don't. The ones that don't are too chicken shit to do anything about it anyway. Candy asses. When you watch this movie next April and it seems like I'm not acting in some of these scenes and my blood is legit boiling - you're right. Bottom line is it'll play great for the movie and fits this Hobbs character that's embedded in my DNA extremely well. The producer in me is happy about this part😉. Final week on FAST 8 and I'll finish strong. #IcemanCometh #F8 #ZeroToleranceForCandyAsses
Well TMZ are now reporting that the Rock's problem is all to do with Vin Diesel.
Yes, the same Vin Diesel who's been in the films from the get-go, and is one of the producers of the franchise.
Apparently the two have been bickering for a while, and met on Tuesday to wave the white flag.
Obviously it didn't go so well, and with more than a week left of filming, the male stars of the movie have been left "pissed" at how things are ending.
We may get even more gossip later on; TMZ have also been told there'll be "some clarification" coming on social media.
Watch this space.


text:
Hello everyone..! The Connoisseur is back again and I hear you are thirsty…which seems to happen quite a bit in the summer heat…or the winter chill…or..?
I have touched in the past on a few excellent summertime libations: The Caipirinha, Pimm's Cup, Mint Julep, various Margaritas and more. Today I have yet another cocktail for you, this one in the "handcrafted" category. Handcrafted is rather a bar buzzword at the moment, generally referring to a cocktail that employs ingredients not from a bottle. Fruits, vegetables, herbs and the like can all be part of the mixology, infused, muddled or otherwise.
As far as I can tell, the White Linen cocktail originated at Ella Dining Room and Bar in Sacramento, California. A very kind bartender was gracious enough to supply the particulars. Give it a try and let me know what you think, and if you are ever in central California, be sure to stop by Ella and sample chef Randall Selland's work – highly recommended!
White Linen
· 1 ½ oz gin – the bartender recommended Broker's Dry Gin.
· ½ oz St. Germain Elderflower Liquor
· ½ oz Simple Syrup
· 1 oz Lemon Juice
· 5-6 thin slices English cucumber
Combine all ingredients in a shaker and shake well. Strain into a highball glass with ice, top with soda water and garnish with a cucumber.


text:
Ghetto? How?Do you realize that it is ghetto as he11 to take a sealed enclosure and turn it into a sealed enclosure? Besides, what is the chance that the darned sub that you already own is going to work properly with this new "ported" enclosure that you purchased. Or let me get this, you're gonna purchase the box first, and then go look for a sub that would work in it.
You confuse me. You say sealed and turn it into a sealed, and I assumed it was a typo until the next statement "Besides, what is the chance that the darned sub that you already own is going to work properly with this new "ported" enclosure that you purchased"
It is a sealed enclosure.
Here is an example:Please go back and cite where any of the pros on here told any DIY consumer to f themselves. All we are doing is to try and raise awareness about a certain product.
Here is another one:Can you imagine a guy with an E39 M5 and one of those boxes in the trunk? I would laugh, and applaud the salesman that pulled one over on him.
Although these comments may have not used the F-word, you are basically calling the people who already purchased them idiots.My god people, this is a BMW forum and not Honda Civic forum. Take pride in the products that you purchase and install in your vehicles!
Oh, another?Let's take the 12" version as an example. 1.55 cubic feet is NOT a small sealed enclosure! In fact, there are probably several woofers (ones with a low Q/low VaS) that would work great in a 1.55 cu. ft. ported enclosure (provided the math was done ahead of time so that expectations were realistic). Would it be ideal? Nope. Did Tom say it would? Nope.
Secondly, please state the "Scientific fact that GENERALLY says [your words, not mine]" that an improperly sized ported enclosure will cause a voice coil to 'short out'. Considering that you thought the enclosure was too small, your statement makes no sense. If the enclosure was ported and undersized, it would most likely increase the power handling, increase system Q, boominess, etc. You're more likely to damage a subwoofer from a vented enclosure that's too large due to decreased power handling but that's just my opinion and it doesn't really apply here since you thought it was too small to begin with. A vented enclosure being too large would most likely cause mechanical damage due to over-excursion, decreased power handling, increase heat in the motor assembly, etc.So perhaps you can walk away and leave this conversation for people with experience and industry professionals so that new comers to box design and read and learn about the pro's and cons of a box like this.
And I remeber telling you that you were incorrect and to GTFO of my thread.I remember saying he should sell this box elsewhere but its too late for that.
First of all sceintific facts are never general. Cutting a hole and installing the CORRECT port will not hinder the performance in all subwoofers. Using blanket statements like this and saying that this can easily damage the woofer is incorrect. The problems caused by improperly ported boxes (which this is not) would be overexcursion and overpowering. Unless the contact leads were physically ripped off of the speaker with extreme excursion and they touched together, shorting would very rare (if ever). Overpowering could technically melt the voice coil and cause a short, but this would be a problem most likely linked to improper amplifier choices or settings. If overexcursion happens in this SEALED box it is because of the amplifer problems listed above. The air cushion in the box will prevent a properly chosen amplifier/speaker combo (and settings) from over-excursion and overpowering.It is a scientific fact that ported boxes are generally larger in volume than their sealed counter parts. Taking a small sealed box (these boxes do seem like small sealed boxes, even though the volume is not shown. You can calculate the internal volume by using the given dimensions) and cutting a hole and installing a port would not only hinder the performance of the sub woofer, it can easily damage the woofer and cause the voice coil to short out, which can also damage the amplifier.
As I stated in my posts, a high output sub woofer system with high output amp would easily break that box apart. My Digital Designs 12 inch woofer with 1500 watts behind it would easily destroy those boxes.So will 1500w or 4000w do it? What's next 10000w? I suppose you have replaced your windows with bulletproof glass too?[COLOR=blue! important][COLOR=blue! important]Vendor[/color][/color], take a digital designs 9512 12 inch woofer, feed it 4000 watts and I'm sure you will see how a box can break apart.
By the way, I changed my mind. Keep this bickering going. Since this stuff has started, we have sold a record number of these. It seems that BMW customers DO want a great $30 subwoofer enclosure in their car.
(maybe they are also Honda owners )
I don't consider this bad press. Just alot of people complaining about things that don't apply here.
Dude, you've GOT to stop talking down to people like this. It's nothing an 'industry professional' would do. We are all potential customers and we like to talk. Word of mouth is a bitch when you travel the country doing shows. When a "self-proclaimed professional" tells me to take a seat and "leave it to the big boys", I tell that professional to promplty suck my d!ck. It's fukn rude and there is NO place here for it. Don't do it again. I have nothing to apologize for the reasons in my previous post above.Originally Posted by gmanchild
I haven't contributed anything technical? Hmm... one of my technical contributions was rebutting your technical assertions about shorted out voice coils. I've installed more sub systems than I can count over the last 20 yrs. I also worked in the industry professionally for one year before I realized that I could actually make a helluva lot more money in other industrys - however, my building of systems never slowed down really. What does this have to do with my experience anyway? Why must I be qualified before I'm allowed to give advice? I think I've earned it. If it took you 1000's of enclosures to get good, that's just sad Greg. I'm sorry but you know I'm right. You start getting really good after the first 50, the rest consist of the adventure of getting quicker, finding shortcuts, etc. I was in building materials for 10 yrs before I became a network engineer. Woodworking is something I do. Get over it.Originally Posted by gregbrady
There you go again.... *sigh* Stop trying to shoo away the elders that may be able to teach you a thing or two. It's possible that you're too stubborn to learn however. If that's so, good luck with building boxes for your college buddies. What makes you an 'industry professional' anyway? I know you used to have a website - what happened to it? I guess the $9.99 domain name registration fee was a bust. Sorry bro.Originally Posted by greggy
Yes, it's too late so give it up. You've said you're sorry so now you can shut your mouth and move along - no harm, no foul. Hell, I'll even give you a hug if it calms you down. You're doing nothing but harm at this point. You've us told everything that you think. You've told us that we're all backwoods installers and we should leave it to the professionals [presumably you] to give out the advice. By the way, you never told me what happened to your professional business? Was it successful? Should you blame it on the current financial climate? If not, what? Bad customer service? Too much competition in a saturated/dying market? Talking down to people by calling yourself a "professional guru" and the rest of us are "newbs", "commoners", "barbarians", etc. and that, as such, we have no place here by giving advice. Hey, I've sold a few of my creations over the years, I guess that makes me a professional as well. I refuse to call myself a guru though, that sounds pretty lame If I'm to be honest. Just come down a notch and talk to us like people. Don't pretend like what you say comes from down on high and is the end-all, be-all of the mobile electronics world. When you get a little older, you won't mind saying "I'm sorry"..... it's rather liberating. You'll see.Originally Posted by GregBrady
So, I'm sorry Tom. Your thread is a mess now. Get the moderator to close this one and open another one if you like. Any post dumping on the new thread will be reported - period.
OMG that's funny. I love the names!! No problem here with the thread. It has become entertaining.
I don't think Tom would want this one closed... Entertaining "bumps" for his new product... He's gonna be rich before this is done...
Yep - Gettin rich on these. The $7 we make (total) (at my commision rate) per enclosure is gonna put my kid through college. (I hope)
BTW-Your previous post is also incorrect:
Last edited by 12v Electronics; 10-27-2008 at 01:33 AM.
My family has been in the car audio industry since 1949. My grandfather was the owner of M&M Electronics; my father, brothers, even aunts have been in the trade. I've been practicing in the trade since I was a kid. I was a professional (in a shop) for 8 years. I was head installer at several shops, worked on exotic cars to everyday beater cars. I've done boats, RV's, motorcycles, trailers, even golf cars. I ran my own business for 3 years until I was offered a job that I could not turn down. I shut down shop and began my career in mechanical engineering.
I've been working for 2 years at the DOE Lawrence Berkeley National Laboratory in the Engineering department. I'm very happy here and with the career change and I have no intention of ever going back into car audio. I'm glad I made the decision to shut down the business to practice Mech Engin.
Is that enough experience for you guys?
Can someone point out where I have lied in this thread?
BlackSapphire, grow up with your name calling, that is truly an example of childish behavior but its no big deal, I'm not tripping. You are the one who is looking like a kid by doing it. I'm not going to bring myself to your level and call you names. Opps there I go again talking down.
And about the 1000 watts with the DD12; the 1000 watts can do it, the 4000 watts can do it immediately. Get it.
This thread is entertaining to me too guys, I enjoy a good debate. Tom, I have no problem with you. I assume the 12velectronics is not the only car audio business you own correct? I see a very limited amount of manufacturers that you carry, what gives? Do you need some help to pick up manufacturers? I know heads of many long term quality car electronics manufacturers.
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Car Audio since 1949 huh? Was your family producing OEM radios for manufacturers? I have never heard of cars in 1949 using custom subwoofer enclosures with 4,000 watts that can blow up 3/4" mdf enclosures.
FYI- Check out what Blaupunkt (same company you have been bashing thoroughout this thread) has accomplished:
1923: Founding of the company in Berlin
1924: Registration of the trade mark "Blaupunkt"
1932: First Car Radio in Europe
1952: First VHF car radio in the world
1959: One million Blaupunkt car radios sold
1969: The first stereo car radio in the world
1971: 10 million Blaupunkt car radios sold
1974: First car radio with ARI
1979: 25 million Blaupunkt car radios sold
1980: First stereo-cassette-radio combination
1982: Prototype of the first route guidance system EVA
1988: The first RDS car radio
1989: First European navigation system
1990: 50 million Blaupunkt radios sold
1995: First Blaupunkt DAB receiver
1996: Dynamic navigation system for the Japanese market
1997: The Radiophone: the first car radio/ mobile phone combined unit
1999: Production of the 100 millionth Blaupunkt car radio
2001: 1 million navigation systems sold! Plus presentation of the first DAB car radios MP3
2002: First online-linked navigation system
2003: DAB-/ MP3-car radio with Digital Recorder"
Thats nice buddy. You can go ahead and sport Blaupunkt in your car then.
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The drama, the intrigue, the waving of e-schlongs. My god, how did I miss this thread??
I can't be bothered multi-quoting so I'm just gonna pick one.
This thread is just completely mad.
And for the people who think this is too cheap for a BMW forum, get over yourselves.
Typically, subs are playing a pretty specific range of frequencies. The are filtered usually by a crossover in the sub amplifier or some instances the radio, or outboard processor. I think your response is misleading, maybe moreso than mine. Yes, the ported output will be greatest closest to the tuning frequency. But, it will not be a brick wall on both sides! It will peak and roll on both sides. Guess what?, typically if you are using a crossover point around 70,80,90 (depending on how stout your midbass drivers are, etc..) that peak and roll will be a pretty decent increase over the sealed application in the frequency range being played.
If I had said "Have a shop build a bandpass enclosure and you will see drastic increases in output over a sealed enclosure", then yes, your reply might be warranted, because, yes, it will be very peaky.
It is not so much the same with vented alignments.. Plot some enclosures on any modeling software, or better yet, build some test enclosures. You will see/HEAR what I am saying... (excuse any grammar issues, just waking up ...)
I want one of these enclosures.
Tom, Which size would you recommend for my sub ?
Had a few minutes at work so I plotted a 12w6 in 1.25 sealed and 2.0 vented, so everyone could see the differences.
The lightened area is the typical usable range of a subwoofer (maybe go up a little higher if you have weaker door speakers..).
You can see this instance, the full range of frequency is louder, and as tom mentioned louder near tuning...
What is the difference between the red line and the yellow ?
Just because someone has not physically done something 1,000's of times does not make them 'not an expert'.
On the topic at hand, the pre-fab enlosure built by Tom. As a long time BMW 'modder' I can say that it fits a need. Not everyone has the space to have a woodshop and certainly most people don't want to invest in the tools required to built a proper enclosure to build one box. At that point you have spent hundreds more than needed. Why not try a pre-fab at that point?
Is the enclosure bad? I don't personally think it is terrible. Is it for everyone? No and Tom said that. Is it perfect? Nope. Does it need to be? Nope.
The thing is Tom even recommended to seam seal it with wood glue. So he is saying you may want to further increase the quality of the box if you want to. I have not personally tested it so I cannot comment but it sounds like the double sided tape is pretty stout. 3M makes some double sided tape that holds window glass in sky scrapers so to say 'it has double sided tape so it sucks' is kind of a stretch.(look up 3m VHB).
Here is where I do get a bit upset. I have a standard BSW 'pre-fab' box in the trunk of my e28. Am I not an enuthisiasts? Are you going to laugh at me?
You have to consider that the BMW world goes from 1986 325eS(and even a 1986 535i) to a 2008 M3 Convertible. Maybe someone loves the BMW brand and can only afford 1986 325eS. Should he then spend hundreds on a custom box, hundreds on a top high line super woofer and more hundreds on a high end amp? Or could he grab the prefab box from Tom, assemble it himself and install with BSW and Tom's(and the bf.c Car Audio Section) guidance and realize some bass in his great car? I think in that situation TOm's 30 dollar enclosure and a sub/amp combo from Tom would be great. Don't you?
My real problem is that when posters do come into this area and ask for guidance the items that happen are:
1. Make fun of them, call them a noob and ask them to search.
2. Make fun of the 'cheap' equipment they bought
3. Make some sarcastic jokes
4. Someone comes in and actually offers guidance.
Who do you want to be at the end of the day?
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Tom, I can't PM you. You have too many messages.
But instead of listening to my viewpoint and having a debate, I got some sideways comments about myself, which were totally unneeded. Are any of you going to come to Blvd Customs for a new stereo? Unless you live in St. Pete, FL, probably not. My only gain by helping out with guidance is a more informed public. When someone teaches me something I didn't know, I say thank you, I don't talk shit to them.
Ryan Pepsin
Custom Car Builder, SRQ Custom Autosound
Sarasota, FL
Owner of a beautiful orange '87 325is
I will take this opportunity to call you one final name. You are a shitty debater!Originally Posted by gmannino
P.S. Pics of the 1949 car audio systems your family installed or it didn't happen. Don't trip, keep that car 'hard' yo.
My only beef, and the only reason I keep going off ona tangent is because I've had SO many problems with people who call themselves 'professionals' in this industry. Those same 'professionals' are the ones who I've seen screw customers, steal from customers, burn their own shops down for insurance, etc. etc. etc. I was attempting to make a point, a point that just because you may know what you're talking about, doesn't mean that makes you, a 'professional', better than anybody else who happens to be knowledible about car audio. 'Professionals' have a poor image in this industry. Talking yourself up just because you happen to be capable, and talking down to others who, just because we don't work in the industry anymore or enver did, keeps pushing us away from shops,a nd telling people not to buy their stuff in a shop and install it themselves.
One post and I'm already a "jagoff" from the gentleman above that has built 6 boxes and has me figured out already.
I joined this forum because I am a BMW owner and a fan.
I figured this would be a place where other enthusiasts would discuss topics in a more professional manner then the typical car audio public forms.
Perhaps I was wrong.
Apparently there are a few in this forum that are far more experienced then me and would rather try to jam an opinion down peoples throats rather then discus the issues in a professional and productive manner.
After reading all of the posts in this topic, I think I'll join in on another post and hope to avoid the key board commandos.
John Studley
V.P. of Product Development
MBQUART / Hifonics
Autotek / Crunch


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Presidential Distinguished Rank Award Banquet
The Presidential Distinguished Rank Award Banquet, sponsored by the SEA Professional Development League honors the recipients of the Presidential Distinguished Rank Award of Distinguished Executive, the nation's highest civil service award. Each year, the President of the United States recognizes a maximum of 1 percent of the members of the Senior Executive Service for outstanding achievements in public service as well as a proportionate number of senior-level (SL) and scientific and professional (ST) executives.
In years where no ceremony is held at the White House, the banquet is the only public recognition honorees receive. Their documented achievements save the American public billions of dollars annually. The awardees achieved total savings of $94.9 billion in 2012, $36.5 billion in 2011, and $36.6 billion in 2010.
Invitations to the Presidential Rank Award Banquet are sent to the winners of the Presidential Rank of Distinguished Executive, heads of federal agencies, congressional representatives and PDL corporate donors.
The black-tie banquet includes a reception, dinner, and program held at the Department of State Diplomatic Rooms. For a full recap of the 2015 banquet, click here.
SEA members are welcome to attend on a space-available basis. We require a $245 donation to help defray expenses.
The Presidential Distinguished Rank Award Banquet would not be possible without the generous support of Professional Development League donors.
To see a list of the accomplishments of some recent Distinguished Rank Award winners, click here.
Past speakers at the awards banquet have included:
- Administrator of the National Aeronautics and Space Administration Charles Bolden
- Federal Reserve Chairman Paul Volcker
- Director of National Intelligence James Clapper
- Administrator of the Small Business Administration Karen Mills
- Secretary of Agriculture Tom Vilsack
- Secretary of State Hillary Clinton
- Secretary of Commerce Gary Locke
- GAO Comptroller General and CEO and President of Peter G. Peterson Foundation David M. Walker
- House Majority Leader Steny Hoyer
- EPA Administrator Stephen Johnson
- Secretary of Energy Samuel Bodman
- Secretary of Homeland Security Tom Ridge
- NASA Administrator Sean O'Keefe
- Counsel to the President Alberto R. Gonzales
- White House Chief of Staff Andrew Card
- Secretary of Energy Bill Richardson
- Secretary of the Navy Richard Danzig
- Director of Office of Management and Budget Franklin Raines
- Vice President Al Gore
- Deputy Secretary of Defense John White
- Secretary of the Army Togo West
- White House Deputy Chief of Staff Philip Lader
- EPA Administrator Carol Browner
- Secretary of Health and Human Services Louis Sullivan
- Secretary of Transportation Samuel Skinner
- OPM Director Constance Horner
- Attorney General Edwin Meese


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When i delete an item it freezes up a little bit,
when you use the enter key it starts up whatever is in 'active',
that should be something like shift + enter by default,
arrow keys switch between items,
that should be shift + (arrow) by default,
overall its a little bit slow,
you should look over your code and see if you have a peace of code that is no longer needed, or if there's something else that can be done in its place to make it faster or sleeker overall.
there are other bugs but not many major bugs,
more like features not yet added,
or features that are too limiting for 'the user'.
I am vary sorry if this seams like I'm complaining about things,
all i can say in my defense is I'm a tough critic.


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and Receive Complimentary E-Books of Previous Editions
The term usability has been used for many years to denote that an application or interface is user friendly, easy-to-use. It applies to most interfaces, including web interfaces and more importantly speech-based web interfaces, and it can be assessed on both full system level and individual modules and processes level. Therefore, in order to evaluate usability it is important to first understand the design requirements and the architecture of such interfaces. In the following sections we describe the main interaction frameworks that the architecture of most speech enabled applications falls into.


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Why Kids Hate the Dentist and How to Fix It
Hate is a harsh word, but how else might you describe your child's tumultuous relationship with the dental chair? When that dreaded appointment rolls around, suddenly it's a waterfall of tears coupled with heavy feet. Why does this happen and how in the world do you fix it? (Hint: bribery goes a long way!) The… Read more


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Too hot to handle...
Tabitha Allen grew up in the thick of Chaos—the Chaos Motorcycle Club, that is. Her father is Chaos' leader, and the club has always had her back. But one rider was different from the start. When Tabby was running wild, Shy Cage was there. When tragedy tore her life apart, he helped her piece it back together. And now, Tabby's thinking about much more than friendship...
Tabby is everything Shy's ever wanted, but everything he thinks he can't have. She's beautiful, smart, and as his friend's daughter, untouchable. Shy never expected more than friendship, so when Tabby indicates she wants more—much more—he feels like the luckiest man alive. But even lucky men can crash and burn...
MC books are still pretty new to me, but I've already come to an understanding what to expect about it. It usually involves promiscuous men, where brotherhood comes before anything else and the business they deal in isn't always that legal. Of course there are many variations on this, though the setup is familiar. The same here, as Shy is part of Chaos. He pledged as a complete outsider, but was very soon part of the family. While he might feel a special attraction towards Tabby, she's off limits and well other ladies are not. That brotherhood though is the most important for him, that feeling of belonging to a family, and he's not risking it for a woman.
Tabby grew up surrounded by Chaos men, with her dad being the leader. She knows how they are, but when you're attracted to someone, it's not easy to just turn that off. As a teenager and young adult she had the urge to push those boundaries, and the Chaos men always came to her rescue. Until one night Shy had enough of it, forcing her to face the reality of what she was turning into.
That really was a wake up call for Tabby, and things have changed since then. Both took a bit their separate ways, though never forgetting about this connection between them. When tragedy strikes for Tabby, Shy is there to pick up the pieces. It's the beginning of a long journey towards healing, friendship and even more. Because no matter what, Shy will always be there for Tabby.
Shy and Tabby are two interesting characters. Tabby grew up in this world and had no choice to participate in it, the danger it sometimes brings and those men are a big influence on her life. While Shy had quite a different upbringing, in some ways much worse than Tabby. His need for family lead him to Chaos and therefore to Tabby. Though there was always this attraction between them, they don't act on it at first. It starts of as friendship and gradually turns into something so much bigger.
There is of course that fear of the rest of the MC finding out, because Tabby is kind of the princess and therefore untouchable by some. They will need to prove that their love is strong and true. They will need to have each other's back at all time. The biggest danger momentarily comes from the Chaos family, but Shy isn't one to back down and when he gives away his heart, it means forever.
I freaking love these books. I've been on a Kristen Ashley binge read and I don't see it stopping anytime soon. Shy and Tabby are amazing, and very easy to relate to. Tabby has grown a lot even since the beginning of this book towards the end. She has turned into a wonderful young woman. Shy is the bomb. While he obviously has that dangerous edge, and bossy, it's not overwhelming and it's so very clear how much he cares about Tabby. As usual I recommend you read this, as so far I've loved every single one of her books. This one certainly if you're into the MC scene or like a good story about forbidden love.
Chaos - Reading order and purchase links
The Author
Kristen grew up in Brownsburg, Indiana but has lived in Denver, Colorado and the West Country of England. Thus she has been blessed to have friends and family around the globe. Her posse is loopy (to say the least) but loopy is good when you want to write.
Kristen was raised in a house with a large and multi-generational family. They lived on a very small farm in a small town in the heartland and existed amongst the strains of Glenn Miller, The Everly Brothers, REO Speedwagon and Whitesnake (and the wardrobes that matched).
Needless to say, growing up in a house full of music, clothes and love was a good way to grow up.
And as she keeps growing up, it keeps getting better.


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The National Council and the Functional Executive Committee of the National Democratic Congress have overturned the decision to charge presidential aspirants Ghc400,000 cedis, slashing the amount to GH¢100,000.
They have also extended sale of nomination forms to Saturday 8th December 2018.
The Presidential primaries has also been postponed to 26th Jan 2019.
This follows a petition filed by 8 of the aspirants who were aggrieved about the entire process.
In their petition, they called for an amount of 100,000 cedis for filing fees and also asked that National Chairman and General Secretary be made to step aside.
It is unclear what the committee's pronouncements were on the other reliefs the aspirants sought.
Do You Have More To This Story? Please send us your articles for publication via email@example.com
Latest News In Ghana – Click Here to Read Our Latest News Stories


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Psychic Near Me in Nehalem OR 97131
Are you looking for a Psychic Near Me in Nehalem Oregon 97131. Psychic Near Me Nehalem Oregon 97131 I am often asked how I stay pleased and determined all the time. The answer has two parts to it; positivity and self-talk. Several years ago I had a colleague who was forever grumbling about whatever and … Read more


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Home >> eToken
We are proud to introduce to you world's most secure technology PKI (Public Key Infrastructure) for IOB's Corporate and Individual Internet Banking customers. Register your digital certificate with us to carry out your banking transactions with an additional layer of security.
Digital certificates can be purchased from one of the following certifying authorities : 1. Capricorn CA 2. Safescrypt 3. eMudra 4. nCode Solutions
Steps to register your certificate : 1. Login to your Internet Banking (Corporate/Individual login) 2. Click on "Register your digital certificate" from the "Accounts" menu 3. Choose your Certifying Authority (certificate issuer) and upload your certificate Your certificate will be registered in our server after which an intimation mail will be sent to your registered email id. The device which can store your digital certifiates is an eToken.
The data digitally signed during transactions
using eToken can
be obtained from the bank on
Click Here
to download the Signature Verifier.


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Education Division
Educator Documents And Forms
Forms on this page are intended for the use of schools and instructors. Forms for new applicants and current licensees are available on the Licensing Division – Licensing Forms web page.
Prelicensure Education Certificate Sample
Prelicensing Course Signature Roster Form
Prelicensing Course Evaluation Form
Pre-licensing Course Approval/Renewal Application - SALESPERSON (Form ED-110) New!
Pre-licensing Course Approval/Renewal Application – SALESPERSON (Form ED-111) New!
Online Pre License School Examination Proctor Certification (Form ED-200) New!
Pre-licensing Course Approval/Renewal Application - BROKER (Form ED-112) New!
Pre-licensing Course Approval/Renewal Application – BROKER (Form ED-113) New!
Online Pre License School Examination Proctor Certification (Form ED-200) New!
School Approval Application (Form ED-100)
Disciplinary Actions Disclosure (Form LI-214/LI-244)
Disclosure Document Checklist (Form LI-400)
School Owner or Administrator Statement of Qualifications (Form ED-106)
Owner / Administrator Update (Form ED-108)
School Audit Declaration
Instructor Approval / Renewal / Update Application (Form ED-101)
Course Approval / Renewal Application – Continuing Education / Distance Learning / Prelicensure Education
(Form ED-102-CE/DL/PE)
Instructor Training Course Approval Application (Form ED-107)
Expedited Instructor Approval Application (Form ED-103)


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Recently Asymmetrical Press asked me to review She Makes Hats (2013) by Robyn Devine. Now that I'm retired, I thought it would be pure joy to review a knitting book instead of an academic tome on public policy or politics. After reading She Makes Hats, perhaps I should stay with academic books.
She Makes Hats is, simply, a short book (at 79 pp. it's closer to a thick booklet) that reads as the wandering, personal journal of the author, a woman who defines herself as she who makes hats. The book has less to do with knitting than with Devine's obsession to knit. (Her current goal is to knit 10,000 hats.) This is revealed as the chapters provide the reader meandering glimpses of the author's life (e.g., "dan" – a chapter about her brother's premature birth, "insemination day" – a chapter about her efforts to get pregnant).
Though there are hints as to why Devine compulsively knits hats (and a lot of information is included allowing any reader to make educated guesses), Devine spells it out in the last chapter. In short, it provides her a feeling of "importance and grandeur" (58).
Devine explains that when she was young, she was convinced her adult life "would be a large life, grand, surrounded with important people, and doing the most important (and most recognized) work I could imagine at the time. I pictured myself knowing the world's most prolific writers, part of the circle of folks changing the lives of the poor, regularly being contacted for interviews about my life and travels from a variety of writers" (58).
Instead, Devine chose a different path; she is a part-time receptionist, mother of a young son and a devoted wife. She appears to use knitting and gifting hats (nothing wrong with either, in and of themselves, of course) as a way to feel important. In doing so, she explained: "I don't spend my time traveling the world and eradicating poverty, … And I don't spend my time leading ministries, … Instead, I have managed to surround myself with people who are doing grand and amazing things – folks who have millions of followers on their websites, regularly travel the globe, and are at the forefront of massive world-change" (58).
Available in electronic form only, the book(let) had inconsistent margins and no pictures, patterns or drawings of hats (though Devine includes a few sentences on how to make her favorite hat, the Sandoval Hat [rib 2/2 for about 11 inches and then decrease]. It is not a knitting book or a book for knitters. Rather, the book(let) reads like a combination of self-help and the personal journey of a woman with basic knitting skills seeking to fill some sort of void in her life. She fills the void by obsessively or compulsively knitting and gifting hats. In so doing, she finds the "importance and grandeur" (58) she had envisioned for her life.
I think of people who have done "grand and amazing things" – Mahatma Gandhi, Martin Luther King, Jr., Mother Teresa of Calcutta, Susan B. Anthony and Elizabeth Cady Stanton come to mind – and none of them did so for self-aggrandizement, self-adulation or simply to make themselves feel better. They did what they did because they believed their work was the right thing to do. Period. Nothing wrong with obsessively knitting one type of item throughout your life; nothing wrong with gifting it to anyone you meet or read about. But I think it is sad that the author seeks "importance and grandeur" through it.
I am not sure why I was invited to review this book. In the email inviting me to review the book, the public relations person used the phrase "a book by a fellow knitter" (2/19/14 email). As a scholar (albeit retired), I use a critical eye on everything I read and together with my level of knitting expertise and background … well, I assumed that was why I was asked to review the book. It would have been better had Asymmetrical Press asked me and/or others like me to review the book(let) long before publication. We could have provided critical input to guide the author to make this an actual knitting book(let).
In sum, this is not really a book(let) for knitters. Knitting is a distraction in this book(let); it leans toward a self-help missive, an emotional recount of a woman's effort to find "importance and grandeur" in her life. She Makes Hats is Devine's personal journey – nothing more or less. Those interested in reading about the journey of a woman who happens to knit may find She Makes Hats an interesting read. I did not.


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Cities with Zip Code: 28687
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Key and Lock Predicaments? Call Us Now For Immediate Solution!Statesville, NC is where you can find our company, eager to supply exceptional locksmith services. The variety of abilities and the complete line of tolls on hand will be the way that your locksmith problem will be solved. 24 hours a day, 7 days a week, we are ready to handle your troubles. We have agents who are good in customer service and accredited locksmiths. Our agents will be able to wait your call and address you current...
Zip Codes: 28625, 28677, 28687


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Reinforced bullseyes provide increased tensile strength for carrying heavy loads. Many companies use thick film and have attempted to reinforce bullseyes by layering ink, which adds significantly to the material cost of the pack. Polypack's patent-pending Stronghold packs consist of shrink film that is folded over on the outside ends and wrapped around the products in an overwrap style machine. The end result is a double thickness of shrink film on the bullseyes, which strengthens the bullseyes for carrying the weight of the pack. This allows end users to downgauge the film thickness of the stock material while maintaining film thickness on the ends of the pack for handling. (US Patent Application No. 15450965)
For example, a 24-pack of bottled water is usually wrapped in a 2.5 Mil thickness film.
Comparison based on 5,000' rolls at $1.40/lb. of film:
Stronghold™ 24-Pack film size = 26" Width X 38" Repeat
1.5 Mil film roll weight = 78 lbs.
Price per bundle = $.0692
Traditional 24-pack film size = 22" Width X 38" Repeat
2.5 Mil film roll weight = 110 lbs.
Price per bundle = $.0976
Stronghold Pack Delivers Material Costs Savings of 29%
Your feedback is important to us. Please let us know what you think about this brand new packaging concept. Do you think that this is something that could work for your products? Please email us at firstname.lastname@example.com and let us know your thoughts.


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Adjudication and Decisions
When FINRA determines that violations of securities rules have occurred and formal disciplinary action is necessary, the Enforcement Department or Market Regulation Department files a complaint with the Office of Hearing Officers (OHO).
The Office arranges a three-person panel to hear the case. The panel is chaired by a hearing officer who is an employee of the Office of Hearing Officers. The Chief Hearing Officer appoints two industry panelists, drawn primarily from a pool of current and former securities industry members of FINRA's District Committees, as well as its Market Regulation Committee, former members of FINRA's National Adjudicatory Council (NAC) and former FINRA Governors.
At the hearing, the parties present evidence for the panel to determine whether a firm or individual has engaged in conduct that violates FINRA rules, SEC regulations or federal securities laws. In reaching its decision, the hearing panel also considers previous court, SEC, and NAC decisions to determine if violations occurred. The NAC is the national committee which reviews initial decisions rendered in FINRA disciplinary and membership proceedings.
For each case, the hearing panel will issue a written decision explaining the reasons for its ruling and consult the FINRA Sanction Guidelines to determine the appropriate sanctions if violations have occurred. FINRA also, when feasible and appropriate, can order firms and individuals to make restitution to harmed customers.
Appeals Process
Under FINRA's disciplinary procedures, a firm or individual has the right to appeal a hearing panel decision to the NAC, or the NAC may on its own initiate a review of a decision. On appeal, the NAC will determine if a hearing panel's findings were legally correct, factually supported and consistent with FINRA's Sanction Guidelines. While a panel decision is on appeal, the sanction is not enforced against the firm or individual.
Unless FINRA's Board of Governors decides to review the NAC's appellate decision, that decision represents FINRA's final action. A firm or individual can appeal FINRA's decision to the SEC and then to federal court.
|Date of Decision
|Proceeding No.
|Sep 19, 2011
|Hearing Panel Decision Granting Enforcement's Motion for Summary Disposition in Department of Enforcement v. Thomas Thanh Doan
|Disciplinary Decision
|Nov 30, 2010
|NAC Redacted Membership Decision 20090196759
|Membership Decision
|Jul 18, 2014
|APPEALED: Blair C. Mielke and Frederick W. Shultz
|Disciplinary Decision
|Sep 28, 2012
|Hearing Panel Decision in Department of Enforcement v. Blair C. Mielke, Frederick W. Shultz, Thomas J. Gorter and Michael L. Trier
|Disciplinary Decision
|Dec 17, 2012
|Amended Hearing Panel Decision in Department of Enforcement v. William M. Somerindyke, Jr. and Respondent 2
|Disciplinary Decision
|Jul 20, 2016
|APPEALED: Keith D. Geary
|Disciplinary Decision
|Jul 8, 2014
|Hearing Panel Decision in Department of Enforcement v. Keith D. Geary
|Disciplinary Decision
|Nov 8, 2013
|Hearing Panel Decision in Department of Enforcement v. Respondent.
|Redacted Decision
|Aug 7, 2015
|Paul Charles Dotson
|Disciplinary Decision
|Oct 11, 2016
|APPEALED: Lek Securities Corporation
|Disciplinary Decision
|Dec 30, 2014
|APPEALED: Lek Securities Corporation and Samuel Frederik Lek
|Disciplinary Decision
|Dec 12, 2013
|Hearing Panel Decision in Department of Enforcement v. Jason Blum
|Disciplinary Decision
|Nov 9, 2012
|Order Granting Enforcement's Motion to Offer Expert Testimony and Respondent's Motion to Allow Expert Testimony
|Disciplinary Order
|Apr 27, 2016
|APPEALED: Meyers Associates, L.P., Bruce Meyers, and Imtiaz A. Khan
|Disciplinary Decision
|Jan 4, 2018
|APPEALED: Meyers Associates, L.P. (n/k/a Windsor Street Capital, L.P.) and Bruce Meyers
|Disciplinary Decision
|Jun 1, 2011
|Order Regarding Respondent's Motion to Stay
|Disciplinary Order
|Mar 29, 2012
|Hearing Panel Decision in Department of Enforcement v. North Woodward Financial Corp. and Douglas A. Troszak
|Disciplinary Decision
|Jul 21, 2014
|North Woodward Financial Corp. and Douglas A. Troszak
|Disciplinary Decision
|Jul 9, 2012
|Hearing Panel Decision in Department of Enforcement v. Michael A. McIntyre
|Disciplinary Decision
|Mar 19, 2015
|Order Denying Respondent's Motion for Permission to Seek Additional Party Discovery
|Disciplinary Order
|Oct 22, 2015
|eBX, LLC
|Disciplinary Decision
|May 20, 2014
|Michael Pino
|Disciplinary Decision
|Mar 15, 2013
|Hearing Panel Decision in Department of Enforcement v. Michael Pino
|Disciplinary Decision
|Oct 29, 2011
|Amended Hearing Panel Decision in Department of Enforcement v. Timothy L. Pittman
|Disciplinary Decision
|Dec 30, 2011
|Hearing Panel Decision in Department of Enforcement v. Joseph S. Amundsen
|Disciplinary Decision


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U.S. Airways has been receiving a lot of hatred since a flight attendant refused to hang up an Army Ranger and combat veteran's jacket. Albert Marle (First Sergeant) was wearing a jacket filled with medals he earned. When he boarded on Flight 190 from Portland to North California, he asked to hang up his 'Dress Blues' uniform to one of the attendants but she refused to do so saying coat closet service was only for first-class passengers.
Read out the whole story!
U.S. Airways is one of the finest Air services. But this is such a disgrace.


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Should I Care?
You come to me for a shoulder to cry on
Your wet cheek brushes on my rough brawn
I twist my head to meet you eye to eye
As you continue to hold me and cry
I try to push you away, but you won't let go
I'm trying to get away, I don't want to know.
I'm sick of being stepped on, tired of being used.
All the help and compassion I gave was just abused.
Before you come and cry to me, soaking your hair
Just ask, why should I even care?
You mean nothing to me, you are nothing to me
Just get away from me, let me be free
You tried to take my hand when you wanted,
But when I offered it, you ran and taunted.
I am not a toy, a trophy, or a game for you to play.
I am a man, a human, and now I have something to say
You pushed, you pulled, and tried to break me apart
You claim you never want for any of this to start
But it's all a lie, nothing you said was true
I am no fool, I didn't begin to trust you.
Only fools make the same mistakes twice
For me, trusting someone would make it thrice
I am stronger than the wind, more solid than stone
Do you think I really care after what you've shown?
I only care about one person,
and that person alone.
That person is me,
So can't you see?
I don't need you, I don't want you.
Just go away and let me be
Take your games when you do
So I can finally be free
What makes you so special that you can demonize me?
What makes you think you're someone I care to be?
You've chosen your path, and helped me to see
That the only person that can be trusted, is me.
So here is my shoulder, come cry if you will
Scream and strain until your voice grows shrill
Look into my eyes if you think you can bear
To hear the truth, that I really don't care.