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Credit cards are cool. They make online shopping possible. But credit card processing, the system by which money moves from a customer to a merchant, totally sucks.
Let's outline each in their stunning absurdity.
Credit card processing costs a fortune! Typical fees range from 2.5% to 3.5% of every transaction. That's nuts, y'all!
Why should the credit card company collect 10 times as much money on a $10 transaction than on a $100 transaction? They're simply processing data and there is no inherent cost difference in processing one transaction over another transaction. This is reason #1 that credit card processors sucks. Unfortunately, there is no great alternative at this time. So, we have to live with the cost. But, that's the least of your worries.
However, it's still interesting to think about why the fees are so high. I don't work in that industry, so I'm only guessing, but I suspect the percentage-based fee is used to cover the cost of rewards, points, and miles to their customers (the cardholders).
The other "argument" I've heard for the exorbitant fees is that the credit card company's liability increases as the dollar amount of a purchase increases. Nonsense! The credit card company protects their customers from fraud, but not at their expense. No, no, no! Instead, if fraud occurs, they recover the funds from whatever merchant allowed the fraud to take place. That could be you, my friend!
This is reason #2 that credit card processing sucks: liability.
Let me break it down. Let's say someone steals a credit card and uses that stolen card to buy $500 worth of merchandise on my website. A month later, I'm notified that it was fraud. The $500 is removed from my account and the legitimate cardholder is reimbursed, but so is the credit card company! I'm out $500 plus the cost of the merchandise plus the cost of shipping plus a "chargeback" fee for the credit card company's "inconvenience". I'm completely screwed and everything is tilted in favor of the credit card company.
To make matters worse, there are no decent tools out there for a small business to completely eliminate this type of fraud. It's simply a cost of doing business, I suppose. But it's completely absurd that the merchant is left holding the bag because the credit card industry created such an insecure product. It's way too easy for cards to be stolen and it's way too difficult for online merchants to determine if a transaction is fraudulent.
The credit card company's provide us with no effective tools to help determine if fraud has taken place. We get AVS (the address verification system) which is basically useless and the card security code (the 3-4 digit code on the back of the card). Are you kidding me? These two services suck.
Let's start with AVS. This system is supposed to verify whether the billing address entered by a customer matches the billing address that the bank has on file for that credit card. Wonderful, right? No. It's terrible because not every bank participates, banks often don't have a customer's latest address on file, and it's too easy for hackers to obtain this information. AVS is essentially useless.
What about the card security code? Well, what's so secure about a code written on the back of a card with all of the other crucial data? You wouldn't write the combination to your safe ON the safe, would you? Every time you give your credit card to a waiter, they have unfettered access to this information. Nice "security", guys.
As a merchant, we're left to try to figure this all out. The credit card processors provide us with "tips" (inane PDFs with stellar tips like, "Be careful!") Seriously, their main tip is to only ship an order to the AVS-verified address of a cardholder. That sounds fine in theory unless your customer wants to ship to a friend, their business, a family member, a second house, etc. You'll kill your business with a policy like that. So, as a business owner, you take 100% of the risk AND pay the credit card company for the pleasure of taking the risk.
That's reason #2 that credit card processing really sucks.
But the most horrifying aspect of credit card processing is security. The acronym PCI should send you running for cover. It stands for Payment Card Industry and they have a "security council" whose job is to ensure that inherently insecure credit card information isn't compromised by the merchants who are forced to use an outdated system.
The PCI council has a 60-page-long checklist of things every merchant should do to secure their business from hackers. They certify companies to provide security analysis and training to merchants in order to protect themselves from hackers. As a merchant that deals with credit cards, you must be PCI-compliant.
Becoming PCI compliant is not easy and it requires annual or quarterly scans by an ASV (approved software vendor). That'll cost you a few hundred a year (if not more).
But even though you are PCI-compliant, you're still vulnerable to massive fines and penalties should the card issuers (VISA, MasterCard, etc), at their discretion, determine that your business was hacked and credit card information was stolen.
If one of the credit card companies even suspects that card data was compromised from your business, they give you an ultimatum: Hire a PFI (which stands for PCI Forensics Investigator) to determine if, how, and to what extent your business was compromised. The starting price for a PFI is about $10,000! And when the PFI is done, they submit a report to the card company which they use to determine the amount of fine they're going to assess!
That's reason #3 credit card processing sucks and it's the most insidious.
If you're starting to feel that the entire process is rigged against the merchant, you're right!
There isn't much you can do about #1 and #2 (until a whole new paradigm of direct transfers is created and credit cards are eliminated). But, you can reduce your exposure to #3 down to zero. And because #3 represents an open-ended liability, it's the most important.
The solution?
JavaScript. Yep. JavaScript! If you employ a credit card processing system on your website in which card data is transmitted to your processor via AJAX (Asynchronous JavaScript and XML), your website never sees credit card data. You eliminate the need for PCI-Compliance entirely. Your liability is zero.
There are possibly several companies that offer such a processing solution, but the first I found was Stripe.com.
I suggest switching to Stripe or a company like them immediately. You won't have to pay for quarterly PCI-compliance scans anymore. Your liability drops to zero. You can drastically lower your cyber liability insurance coverage (which should have in place if you don't!). And you can sleep easier at night.
Now, if we can just figure out how to deal with reasons #1 and #2…
Comments ( 11 )
You make a few good points, but avoiding PCI fees isn't quite that simple. PCI validation is not a card brand mandate for level four merchants (most merchants are considered level four).
The card brands have left PCI validation to acquirers, and acquirers handle validation in several different ways. Some charge a "PCI Fee" and do nothing to support merchants, others charge a fee and offer scans and such, and other ignore PCI all together and charge nothing.
In the first two cases, it doesn't matter if a business is technically PCI compliant — it will have to pay a PCI fee if its acquirer dictates that one be paid.
Ben – Unfortunately, your statement illustrates just how insane the whole system is! Nobody (especially merchants) can understand its intricacies!
It's a 70 year old system that is inherently broken. It's too easy to hack and desperately needs to be replaced. It's a joke that we, as merchants, are put entirely at risk for a system that the card issuers have not yet found a way to make secure.
That being said, I'm fairly certain that your website never touching credit card data makes PCI compliance a non-issue. Hit up the guys at Stripe for more details, but they're very clear about that fact.
Jamie I've worked in the credit card industry for 20 years and your right it sucks. There are a few things that you wrote are stretched but for the most part everything in here is correct. The fact of the matter is merchants have a wobbly leg to stand on and at the end of the day at any point it can be kicked out from under them. Part of the problem is these massive breaches that you hear about. When a big breach happens very little of those costs are recovered by the merchant. Thankfully over the next few years our system in the US is being replaced with chip cards like they already have in Europe. At that point we will all have chip cards with a pin which will hopefully eliminate a lot of the fraud and hopefully drive down costs. Now whether merchants really see pricing go down and whether we see major industry changes or not comes down to the all mighty Visa.
And as for Stripe I know them well and right now they have a good setup. At least for now! With them taking on 100% liability we'll have to see if they can sustain that. Fraud happens everyday and all it will take is for one case to mess the entire apple card.
Thanks for posting this Jamie I love your straight forward analysis. Our industry is a crazy industry which will probably not change anytime soon, but it is what it is and unfortunately we all love our credit cards…
I must say that it is certainly different here in the UK. Card rates are typically 1.2% -2%, and a fixed 0.10 – 0.25 for debit cards. The verified by visa system passes the liability to the banks away from the merchants. PCI compliance can be cheap and not need security scans if you use a gateway hosted form.
The credit card company's liability certainly does increase as the transaction value goes up. At the end of the day the credit card company HAS to refund the customer if there is a fraudulent transaction, and then obviously tries to get the money back from the merchant, but if the merchant has gone bust the credit card company foots the bill.
Regarding tools, many UK payment gateways interface with a tool called the 3rd man. This has a fraud score against the transaction (e-mail, address, value, and other data).
Overall I have to agree that the system sucks, that scam artists steal from the merchants, but it is no where near as bad in the UK as you say it is in the USA.
Richard – Good to hear that better tools do exist for determining fraud, but it's a shame that they aren't given to merchants for FREE by the credit card processors. You'd think it would be in their best interest to provide merchants with every possible tool to determine if a transaction is fraudulent. But they don't. And that should give you pause.
But the 3rd man tool is provided free. (well included in the total charges)
A big reason why "credit card processing sucks" is that providers leverage the complexity of fees to take advantage of businesses, but there's also a flip side — providers that over-simply processing fees to the same end.
For example, you're plugging Stripe as a good solution to simply PCI, but Stripes processing charges rely on a bundled pricing structure resulting in significantly greater costs than a merchant would be able to secure through a service like CardFellow that requires processors to separate markup from base costs (interchange-plus or interchange pass-through).
Many merchants, especially higher volume merchants, would benefit more from a cost and value standpoint by taking advantage of more competitive pricing and a vendor that provides PCI validation assistance.
Choosing a processing provider based on a single service detail like PCI support or ease of validation is a mistake.
Granted, there are quite a few providers in this industry that profit from the complexity, but many tools and information are available to educate merchants about how processing and fees truly work.
In this industry, simplicity is expensive, and thousand of processing options are available. There's no substitute for due-diligence and educating yourself about what's available.
A word of advice to merchant…. start by learning the basics. Learn about the components of processing cost such as interchange, assessments, and markup. Learn about the pricing models that processors use to assess charges such as tiered pricing and interchange plus.
Once you have a solid understanding of fees and pricing, look at details such as processing equipment, gateways, and software available. Various gateway options, like Stripe, have varying features and pricing. PCI exposure, validation and support is a single detail in what will be the ideal processing solution for your business. Learn the ropes, weigh the options, and make an informed decision.
Yes! Credit cards do suck, but I've found three alternatives. I happen to be in Taiwan, and ATM bank transfer is very popular. Green World (http://www.ecbank.com.tw/) offers a unique virtual transfer number for every transaction, so you know when a customer pays you money. They even link into the most popular carts like Magento, WooCommerce, Prestashop, and more.
Ok, now my favorite–Dwolla! I love Dwolla. Sign up is a bit over the top, but once you're verified, you can send and receive money using your account. And guess what. Only $0.25 per transaction up to $5K ($10K for business accounts). Yes, only 25 cents no matter what dollar amount you transfer. Easy to use, but it's limited to USD and people with US bank accounts. My referral link here http://refer.dwolla.com/a/clk/5HSBxx
Next is Coinbase. I like the idea behind Bitcoin, and Coinbase allows you to instantly cash out bitcoins to USD for zero exchange risk. No chargebacks, low fees. Only 1% + $0.15 per transaction. I can get with that. Again, a referral link https://coinbase.com/?r=51a4e6063ac9f6d06a00004f
As a side note, stay away from Stripe! If you thought Paypal arbitrarily changes the rules, locks accounts, and holds your money, watch out for this one. If you ever get an e-mail from a fake employee named Maria, you're in trouble. Search and you'll see what I mean.
So ATM, Dwolla and Coinbase. Go!
Shipping only to the billing address of the cardholder, as mentioned in the article, does not protect the merchant for Card Not Present/Internet transactions. In fact, even having a signed delivery receipt from the carrier (UPS / Fedex) at the cardholder's billing address does not protect the merchant. For Card Not Present transactions, the law simply allows the cardholder to commit fraud. The Visa arbitrator will always rule in favor of the cardholder. Oh, by the way, the cardholder can claim fraud up to 9 months after the transaction cleared. If the cardholder was actually defrauded by a friend/relative/worker etc. that had access to receive the package (happens all the time!), then the much larger issuing banks should incur the loss, not the smaller merchants. The law needs to be changed.
Is there any action I can take on a credit card company that charged our business a "cancellation fee" without my knowledge? I changed processing companies after my contract was up, but they are saying my contract renewed automatically and took $495.00 out of my account.
Stripe is unfortunately ruining my life my business, my employees, and Christmas for their kids.
We have been running various websites for many years and have always used traditional merchant accounts. Unfortunately, we run many websites, and with traditional merchant accounts the processors want an account for each site and business. When you have 15 sites, having 15 merchant accounts in nearly impossible to manage and we found ourselves creating more problems trying to manage each one vs finding a processor like stripe that we could create sub accounts or something of the sort and be up and running with each new website we launched in hours or less. We were finally making progress and excited to begin using stripe. Money was flowing, deposits were coming, orders were being shipped, chargebacks were low and next to nothing. Refunds, were only our own transactions that we were testing our sites with.
Things were good as all stories start out in the beginning. Unfortunately that lasted just a short while. We began to slowly receive notifications for each account one by one over time with each notification having different reasons. None of this made sense to us, we were shipping orders, refunds were low, sites were doing good, chargebacks were next to nothing, and everything was in place. The relationship should be perfect match and fit.
Recently as each account was being shut down, they were starting to place holds, change deposits to 7 days, then no deposits, and a constant loop of scheduling transfers that never happened. You can't reach them, explain, discuss, or anything. I have managed to get some email responses here and there with very little information flowing, we are left with no choice but to share our story and hopefully avoid this happening to others.
We now have around $15,000 tied up with stripe. That is a lot of money, and we are 9 days away from Christmas, we have employees to pay this week, they have Christmas to buy for their kids, travels to see family, all to be destroyed over Stripe and their lack of willingness to work with their supporters. I was a big fan, loved their concept and ease to do business. I was like in my head, saying Finally a company that gets it and if for the small businesses out there. I love Stripe.
That is all being erased with the stress and frustrations they have caused on our business and our personal lives. We need our cash flow and rely on it to operate. They never inquired to see if our orders were fulfilled, customers happy, or anything just shut us down with no information or reasons that we could maybe provide documents, information to satisfy their concerns. While I realize businesses like theirs have to manage risk, I respect that, but did they reach out, inquire, or anything? NO. Worst of all, CHRISTMAS IS RUINED for many!
I also realize there is lots of fraud out there, they have to take preventative measures, but don't hurt the good guys, or penalize the ones who run a legitimate operation.
As we are respected in our industry already which is internet marketing, It is not difficult to prove that a company who by procedure does not communicate by telephone with people, and has more negative press than a presidential nominee already ( as we learned in doing diligence on this issue ) is engaged in unreasonable business practices and unfairness to its clients. We will show this. Sorry your "Hands are tied". We were hoping for a more favorable response as my concern is for the survival of our small business and my staff and their families.
This is December 16th today. We will not be able to pay our employees for Christmas without our money. We have been effectively shut down by Stripes actions. Our business will be entirely shut down until we can reapply, open new merchant accounts and go through the painstaking process of integrating the new processors etc to our websites. Stripe didn't provide a shred of evidence of chargebacks, or what risk level they speak of. Please define how you qualify "Higher than normal risk". Because form the outside, it looks like you are using MY employee's paychecks, to fund their company. However; we can absolutely prove we have shipped and continue to ship products. We can absolutely prove any chargebacks or disputes are handled by our accounting staff, we can absolutely prove that the level or "risk" you assess, is probably not based on anything specific to our industry or actual performance.
Stay clear of Stripe if you want to avoid things like the above, shame on me for taking a chance with a company that does not provide phone support or publish a phone number at all.
Scott Rogers


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Basic Financial Concepts
The whole concept of interconnection among the factors of money, risk, and time comprise the sphere of finance. The chief catalysts and triggers behind the endowment of money are done by banks, which provide credit. However, today, hedge and mutual funds, private equity and other instruments are increasingly becoming important as similar facilitators. Averting and restricting threats in finance are done by means of impeccable scrutiny and attention to detail while dealing with investments, which are known as financial assets. Securitized versions of these investments can be traded with securities exchanges, through various financial channels.
The fundamental idea behind the operations of finance all through the world depends on the fact that any body, unit, or organization that spends less that it earns is capable of loaning or putting up that extra money or asset for further investment. If, conversely, anybody, unit, or organization spends more than it earns, it usually tries to augment its capital asset by taking loans or putting up for sale its assets, in order to reduce its spending and enhancing its earning. The entity which loans money usually has two options, either it can directly buy currency or other assets like bonds from the market, or find some go-between entity like a bank which will take the loan from it. The interest collected for this loan, is much more than the one that the actual lender gets, as the difference goes to the go-between.
The major concept of the world of finance works on the basis that a financial instrument like a bank brings together and synchronizes loaning and borrowing functions, of dissimilar proportions sizes, while getting reimbursed with assets for the jobs done.
The organization and administration of businesses around the world are centered on the pivotal notion of finance, without proper controlling and plan of which a new business or even an old one might falter. Be it a man or an organization, any entity's finance is vital for the guarantee of its flourishing prospects.
Finance can be of many kinds, the most important of which would be personal and corporate. The concept of personal finance depends on the quantity of money a person or his or her family requires at a particular time and the actual way that they can keep themselves afloat during adverse and unpredicted conditions, related to personal or impersonal exterior situation. The idea behind corporate finance depends on the provision of capital money for an organization's functions, keeping steady its threats and profits, to augment the company's income and worth. Some other kinds of finance include public finance that deals with money or funds related to a nation, a town, district, or any other form of political and geographical entity while there is also the concept of experimental finance that tries to institute diverse backdrops or conditions of the financial market in order to monitor under investigational circumstances, and offer a specific view, by means of which financial analysts can examine properly the activities of negotiators and the subsequent nature of particular movement of assets through trading, data dissemination and collection, machinery that fixes costs, and returns procedures.

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i gave you a thumb for you idiocy.
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It is the Joker from the batman series staring Adam West as the batman . If I remember correctly 1960's time frame


text: Quick Tips for Energy Savings in one minute | Xcel Energy - YouTube Did you know you can save energy by drying multiple loads of laundry in a row? 80% of the cost of washing a warm water load is heating the water A compact fluorescent light bulb can save you up to $25 Great tips from Xcel Energy to save $ in this minute video. Flag this deal What's the matter? Choose a reason Dead deal Duplicate Bad link Spam Inaccurate No value Alive again Edit deal


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1. Click here: https://plus.google.com/s/Monsanto/posts
2. Check out the posts.
3. Click the blue "New" button on the left every once in a while (sigh!)
My wife just switched from a month to month prepaid plan to a contract and wanted to cancel her prepaid plan. We were told by customer care that we cannot cancel our service since we have prepaid for an extra month. First, we would have to get that resolved, so we were transferred to the refund department for the refund.
The supervisor (Paris) who told me that she would not do it and was unwilling to explain why initially. Unwilling to take no for an answer, I asked her to explain this to me or transfer me to someone who can. The way she explained this, +T-Mobile prepaid means that you pay to two months in advance; its not mentioned anywhere on their site (linked in this post).
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I finally reached a supervisor (Roberta) who understood what I was saying and told me that they had no such policy of keeping two months of fees. She told me that we had a balance since we had prepaid twice for the current months service and then told me that she would do me the "one time favor" of returning my money to me.
Since customer service is a thankless job, I'd like to mention at no time did I raise my voice or be rude in any way to the 8 people I spoke to. The other interesting things I noticed was that talking to customer service was easy as they had a clear phone line, however both the supervisors seemed to be in a bunker in Alaska, as I could not hear them half the time.
Total time of call was 90 minutes and fortunately mission accomplished.
Adding the +Consumerist, as I read such stories on their site all the time and like reading them. This time around someone can have a laugh at my expense.
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December 7, 2010Tax credits for energy efficient home upgrades are part of the agreement reached between Congressional Republicans and President Obama to extend the Bush tax cuts, reports David Walker, vice president of the Window & Door Dealers Alliance. Based on conversations with Senate staff members supporting such measures, he says, "there is reason for optimism," but no guarantee... more »
December 6, 2010Andersen Corp. has announced that Jim Humphrey, who has been chief executive officer since 2003, will retire from active management on March 31, 2011. He will continue to serve as the company's board chair and will be succeeded as CEO by Jay Lund, who currently serves as Andersen's president and COO. These steps are part of a planned succession. "It has been an honor to lead... more »
December 2, 2010Graham Architectural Products, based in York, Pa., has acquired the inventory, machinery, equipment and other assets from Keystone Industries Window & Screen Systems Inc. The business will operate as Graham Thermal Products, a subsidiary of Graham Architectural, in a newly-leased 45,000-square-foot facility in New Castle, Pa., where Keystone was located. Started in 1989, Keystone... more »


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Originally Posted by RavenMadness
Aaron Wilson @RavensInsider Bernard Pollard fined $15,250 for unnecessary roughness, according to a league spokesman
What utter BS!!!!!!!!!!!!! Pollard did NOTHING wrong! What about that hit on Pitta?? Oh I forgot, the league is soft on the Patriots. It probably pained them to no end to fine Brady a measly $10K. What a friggin' joke this league is
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The Browns look they received last year's Ravens injury luck. Wonder how they fare.


text: Pancakes 6 PackIngredientsWheat Flour (with calcium, iron, niacin (B3) and thiamin (B1)), Water, Sugar, Whole Egg, Vegetable Oils (Rapeseed, Sunflower in varying proportions), Vegetarian Whey Powder (Milk), Raising Agents: E450, Potassium Carbonates; Buttermilk, Salt, Preservative: Potassium Sorbate. Allergy Advice For allergens, including cereals containing gluten, see ingredients listed in bold above. May also contain SoyaStorage instructionsFor best before see front of pack. Store in a cool, dry place. Suitable for home freezing. Place in freezer as soon as possible after purchase and consume within 1 month.Heating instructionsTo enjoy warm, place under a preheated moderate grill or in the toaster until golden brown.


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|Home Decor
I am a crafter/artisan and have been honing my skills for the past 45+ years. My first love is crochet. I've taught myself many different crafts over the years, but my passion is crochet. I learned ...
I am a crafter/artisan and have been honing my skills for the past 45+ years. My first love is crochet. I've taught myself many different crafts over the years, but my passion is crochet. I learned how to crochet from a real pro, my grandma, when I was 9 years old. I've been in the craft business for about 30 years. I owned a brick & mortar shop, but the overhead became too much for me so I decided to put my business online. I was the owner of Jewels Designs, Connie's PDF Patterns & Connie's Custom Crochet. I closed Jewels Designs a few years ago, I still have Facebook Fan pages for Connie's PDF Pattern & Connie's Custom Crochet. I currently have an Etsy Shop (Connie's Crochet Gifts and a Storenvy Shop (Connie's Graphs). I'm currently teaching a crochet course and have 2 Blogs. You can also find me on Pinterest & Linkedin, just google Connie's....
Check them out when you get a chance. Coming in 2015 I will be opening, Connie's By The Yard Trims.
I love helping and promoting my fellow artisan's and their beautiful work. I do a lot of this cross-promoting on my face book pages and blogs, so look me up any time.
I love creating new patterns and hope to bring them to you for another 45 years!
Thank You for allowing me to bring my love of crafts to you and to Craftsy!
***Note: All of my patterns carry a "Creative Commons Copyright", which means toy can not copy any part of my patterns (photos, illustrations, text) and sell it. You can sell ant items that you create from them. Your finished product is your own.***
VERY KOOL!!! BM CPC Pattern is now available! Get your pattern today and crochet one up for your favorite Bat Lover!
What is CPC?
CPC (Connie's Photo Crochet) is a technique that I've developed over the years, from many different techniques that you may have heard of; Photo Crochet, Intarsia Crochet, Color Works Crochet, Tapestry Crochet and the list goes on and on.... My technique incorporates most of these techniques.
Included In This PDF Pattern:
*Full Color Photo Of The Finished Piece
*Full Color Graph
*Complete Easy To Follow Written Instructions
*Number Of Stitches Per Color Guide
*Gauge/Tension Guide
*Choice Of Three Stitches
*Choice Of Three Sizes (The biggest size being a large blanket)
*Tips & Tricks Section
*Instructions for a Border
Skill Level: Intermediate (if you know how to do any of the above mentioned techniques, then the skill level will be VERY EASY!).
All of my patterns carry a "Creative Commons Copyright" which mean you CAN NOT copy/sell/share any part of my pattern (photos, text, etc....). You can sell any items you create from them. Your finished product is your own. You can also purchase and give my patterns as gifts.
By purchasing this pattern you agree to the above terms.
*Thank You, for shopping at Connie's PDF Patterns and more..... Sister shop of Jewels Designs.
Your choice of 3 gauges/tensions.
59 ounces of Worsted weight


text:
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I would not be surprised if Anna Pogorilaya is on the team. There is a girl with real competitive spirit.
Could someone post Gabrielle Daleman, Kaetlyn Osmond, Ashley Wagner and Gracie Gold ? I don't find them in youtube and I want to see them so badly
Odd...it looked like Mao was in pain during or right after her skate.
Without a consistent 2A-3T or 3-3 Wagner won't be a medal contender in Sochi unless the top 3 make mistakes. She has done quite a few "almost clean" free skates but never surpassed the 130 mark.
I think this season Mao got more Flips downgraded than credited. She needs to work on her rotation issue. Even her 10-points-cushion in BV is still not enough if every second jump gets the "<" sign on paper.
LADIES FREE SKATE - RESULT & VIDEOS (Updated)
1. Akiko SUZUKI (JPN) - 199.58 Free Skate
2. Ashley WAGNER (USA) - 188.60
3. Gracie GOLD (USA) - 188.03
4. Adelina SOTNIKOVA (RUS) - 183.10 Free Skate
5. Mao ASADA (JPN) - 177.36 Free Skate, 2nd Copy, 3rd Copy
6. Zijun LI (CHN) - 171.50 Free Skate
7. Kaetlyn OSMOND (CAN) - 164.85
8. Mae Berenice MEITE (FRA) - 159.71 Free Skate
9. Kexin ZHANG (CHN) - 155.49
10. Elizaveta TUKTAMYSHEVA (RUS) - 152.16 Free Skate
11. Gabrielle DALEMAN (CAN) - 140.82
12. Lenaelle GILLERON-GORRY (FRA) - 121.80 Free Skate
I think that Akiko, Ashley and Gracie were reall great and also enjoyed the skating of the Chinese ladies very much. I wonder what Mao should do..., problems with 3 axel and other jumps as well. Should she leave the 3 axel out and start practising all the other jumps to get them all working and to have a strong triple-triple combination?
Ashley had to have been aware of all the falls and URs ahead of her, and she wisely decided to forgo the 2a+3t which got dinged at Worlds. It turned out to be the right decision at the time.
Suzuki had the skate of the season, but she was overscored---a little home ice advantage which perhaps she deserved after NHK.
I think NHK was the best performance of her long. WTT is second. She didn't even need the boost the judges gave her here to win, which makes the scoring even weirder.


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Home > Sunglasses > Porsche Design > P8529 (B)
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Free outbound and return shipping
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P8529/B Ophthalmic Glasses
These sunglasses complement your look with an accessory that is a cut above the rest. True to the Edel-Optics motto "SEE AND BE SEEN", you are on a par with celebrities, impressing in every environment. Would another colour not be a better match for your favourite outfit? Check also the other styles of P8529in our 2015, and 2016 Porsche Design range.
The frame is specially designed for men. Sporting clear lines, New School Cool meets traditional quality. Full rim frames completely enclose the lenses within the frame. For a convinced eyeglass wearer, any other frame style is ruled out, with very few exceptions. The quadratic shape is a good choice, especially for softer facial features. The square glasses give more contour to a round face. The straight outer edges also give the impression that the face is longer. The metal frame is very light and comfortable to wear. It is both robust and classy. Gold-coloured eyewear always looks noble and is currently heavy in fashion. It can be combined with any outfit and makes you look radiant. Brown is the dominant colour for sunglass lenses. They radiate warmth and look very soft. This brand of sunglasses, of course, also provides your eyes with optimum UV400 protection.
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FC Nantes
|Full name
|Football Club de Nantes
|Les Canaris (The Canaries)
|La Beaujoire-Louis
Fonteneau, Nantes
|Waldemar Kita
|René Girard[1]
|Ligue 1
|Ligue 1, 14th
|Club home page
Football Club de Nantes (Breton: Naoned, Gallo: Naunnt; commonly referred to as simply Nantes) is a French association football club based in Nantes, Pays de la Loire. The club was founded on 21 April 1943, during World War II, as a result of local clubs based in the city coming together to form one large club. From 1992 to 2007, the club was referred to as FC Nantes Atlantique before reverting to its current name at the start of the 2007–08 season. Nantes currently play in Ligue 1, the first division of French football. The first-team is currently managed by French coach René Girard and captained by goalkeeper Rémy Riou.
Nantes is one of the most successful clubs in French football, having won eight Ligue 1 titles, three Coupe de France wins and attained one Coupe de la Ligue victory. The club is famous for its jeu à la nantaise ("Nantes-style play"), its collective spirit, mainly advocated under coaches José Arribas, Jean-Claude Suaudeau and Raynald Denoueix and for its youth system, which has produced players such as Marcel Desailly, Didier Deschamps, Mickaël Landreau, Claude Makélélé, Christian Karembeu and Jérémy Toulalan. As well as Les Canaris (The Canaries), Nantes is also nicknamed Les jaunes et verts (The Green and Yellows) and La Maison Jaune (The Yellow House).
1940s – 1980s[edit]
The club was founded in 1943. [2]
The first match played by Nantes as a professional team took place at the Stade Olympique de Colombes against CA Paris, where Nantes triumphed 2–0. The first home match was a defeat of the same score against Troyes. The club finished fifth at the end of this first season following which the club's manager Aimé Nuic left the club following a dispute, and was succeeded by Antoine Raab, who took over in a player-coach role. After winning 16 consecutive matches, Nantes bowed down 9–0 to Sochaux. In 1963, the town council decided to give substantial subsidies to the club to give it an advantage to climb into the next division.
On 1 June 1963, the club won its place in the first division against Sochaux. Marcel Saupin died on 10 June and would never see the club he created amongst the elite. Nantes went on to win the 1964–65 and 1965–66 league titles with a well polished game, partly thanks to José Arribas, a fan of a more offensive game strategy who was making his first contributions to that which would become known as the jeu à la nantaise.
It was during this period that the famous jeu à la nantaise, made up of well-oiled and offensive tactics, made its appearance.[citation needed] In the summer of 1976, Arribas departed his role as manager and the reins were handed to Jean Vincent. The former player, who had played for Stade de Reims during the club's successful years, remained the team's manager until 1982 when Jean-Claude Suaudeau, another fan of the jeu à la nantaise style of play and a former Nantes player, replaced him.[citation needed]
Apart from the titles of French champion which Nantes held in 1973, 1977, 1980 and 1983, the club won their first Coupe de France in 1979 against Auxerre courtesy of a 4–1 victory after extra time. Eric Pécout inserted his name into Nantes folklore by converting a hat-trick in the match. In June 1983, Nantes battled-out a Coupe de France final against Paris Saint-Germain. In the match, Nantes striker José Touré scored a memorable goal, but, nevertheless, Nantes lost the match 3–2 preventing the club from obtaining the league and cup double.
They finished second in the 1984–85 championship (behind Bordeaux) and in 1985–86 (behind Paris Saint-Germain).[citation needed]
In July 1991, the club re-instated Jean-Claude Suaudeau, and in July 1992, after spending a fortnight in the second division due to an administrative decision by the DNCG (French Football's financial regulator), FC Nantes was renamed FC Nantes Atlantique, and was able to take its place in the first division back.
In 1992, the jeu à la nantaise made its comeback. The club subsequently made the finals of the French Championship in 1992–93; semi-finals of the French Cup in 1993–94; won the 1994–95 Championship and was Semi finalist in the Champion's league of 1995–96. This period saw the development of a host of players such as Japhet N'Doram, Patrice Loko, Reynald Pedros, Nicolas Ouédec, Claude Makélélé and Christian Karembeu.[citation needed]
2000 – present[edit]
In the 2003–04 season, Nantes was defeated by Sochaux after a penalty shoot-out, thus depriving the team of the League Cup, and a spot in the UEFA Cup.[citation needed]
Before the start of the 2005–06 season, Serge Dassault's team asked executives Robert Budzynski and Kléber Bobin as well as the players Mickaël Landreau and Frédéric Da Rocha to leave. At the same time, Vahid Halilhodžić was approached to become manager, even though Serge Le Dizet had only been in place for six months. Jean-Luc Gripond was also finally replaced by Rudi Roussillon on 28 June 2005 following an Extraordinary meeting of the Dassault group.[citation needed]
Nantes secured a return to Ligue 1 on 25 April 2008 with a 1–1 draw against Montpellier. In the 2008–09 Ligue 1 season, Nantes finished 19th and were relegated back to Ligue 2.[citation needed]
During the 2014–15 Ligue 1 season, they enjoyed a run of nine matches without defeat before losing to Marseille on 28 November.[3]
Nantes' home ground since 1984 has been the Stade de la Beaujoire-Louis Fontenau, which has a capacity of 38,004.[4] It held six matches at the 1998 FIFA World Cup and was also a venue at the 2007 IRB Rugby World Cup. FC Nantes played its first match in La Beaujoire the 17st May 1984 vs Toulon (3-1) in front of 15 116 spectators. The capacity of the stadium at that time is 52 923 standing and seating seats.[citation needed]
La Joneliere is a sport complex located in La Chapelle-sur-Erdre, on the river Loire, the training center of Nantes. The artificial turf and grass football fields of the facility currently host training sessions for the professional team and the FCN Youth academy.[citation needed]
Current squad[edit]
As of 31 August 2016.[5]
Note: Flags indicate national team as defined under FIFA eligibility rules. Players may hold more than one non-FIFA nationality.
Out on loan[edit]
Note: Flags indicate national team as defined under FIFA eligibility rules. Players may hold more than one non-FIFA nationality.
Notable players[edit]
Below are the notable former players who have represented Nantes in league and international competition since the club's foundation in 1943. To appear in the section below, a player must have played in at least 100 official matches for the club.[citation needed]
For a complete list of FC Nantes players, see Category:FC Nantes players
Former managers[edit]
- Winners (1): 1964–65
- Winners (1): 1981–82
- ^ "Nantes". Ligue 1 (in French). FC Nantes. Retrieved 21 May 2016.
- ^ "FC Nantes". Soccerway. Perform. Retrieved 1 December 2014.
- ^ "FC Nantes: Le FCN stoppé à Marseille (0-2)". Presse-Océan (in French). 28 November 2014. Retrieved 2 December 2014.
- ^ "FC Nantes". LFP. Retrieved 1 December 2014.
- ^ "Effectif pro 2016-2017" (in French). fcnantes.com. Retrieved 31 August 2016.
External links[edit]
- FC Nantes at UEFA
- Official website (French)


text:
setup newsletter application where I can send emails to my list
This project received 21 bids from talented freelancers with an average bid price of $120 USD.Get free quotes for a project like this
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Project Budget$30 - $250 USD
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Project Description
setup newsletter application where I can send emails to my list
I am looking for cheap ready code to install and use.
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[WORLD CUP 2014]Portugal, which will face the USA June 22 at the World Cup, cut down its 30-player provisional squad to 23 players.
Coach Paulo Bento's squad is led, of course, by Cristiano Ronaldo. All but Ronaldo and defender Pepe, who will play for Real Madrid against Atletico Madrid in Saturday's UEFA Champions League final in Lisbon, have completed their European seasons.
Portugal will train at the New York Jets' training facility in New Jersey and play friendlies against Mexico and Ireland on the East Coast before heading to Brazil.
Portugal Roster:
Goalkeepers:Eduardo (Braga), Beto (Sevilla), Rui Patricio (Sporting)
Defenders:Bruno Alves (Fenerbahce), Fabio Coentrao (Real Madrid), Joao Pereira (Valencia), Pepe (Real Madrid), Neto (Zenit St. Petersburg), Ricardo Costa (Valencia), Andre Almeida (Benfica).
Midfielders:Raul Meireles (Fenerbahce), Joao Moutinho (Monaco), William Carvalho (Sporting), Miguel Veloso (Dynamo Kiev), Ruben Amorim (Benfica), Rafa Silva (SC Braga).
Forwards:Cristiano Ronaldo (Real Madrid), Helder Postiga (Lazio), Eder (Braga), Nani (Manchester United), Varela (Porto), Hugo Almeida (Besiktas), Vieirinha (Wolfsburg).


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L-Reak play @ Quartier P
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ChoKapic 5 years agoReplyReport spam
track ID on 17 ème minute ... de la balle, je veux savoir moi, LOL !!! bizzzzzzzz
Comment reported as spamThank you for your help!
Press play to try again.
You can get it here.


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What do you mean "their"?
Helping out the family?
I've never gone fishing :/
Remembering to clip their finger and toe nails?
What do you mean "their"?
Helping out the family?
It's more that I have to help.
Remembering to clip your nails.
getting head shots in shooting games?
good o.O
sticking up for others?
OHAI! I'm just an old dinosaur from 2006 seeing who's here
The name is. . . Hugo
Got a Nintendo 3DS? 2492-5132-0881
Not so good. :/
Learning multiple instruments.
^Thanks Monsteroids^
I don't know how to play any instruments.
Speaking more than 1 language?
We'll see when I go back to school.
Winning at Monopoly.
^Thanks Monsteroids^
cool sig done by Zephryl
Brawl code: 0044-4256-1360
PM me if you've added me
im hitting puberty not the best site
being silent u know like if ur sneaking
cod5=3094 2277 0183... looking 4 members 4 the (SK) clan
live life to the fullest, and never let it go
live, love, and learn...


text:
Post-secondary Education
Learning is a life-long endeavour. Here in B.C., there are thousands of world-class education options after high school – whether you're upgrading skills, learning English, training for a career or enrolling in an academic program. Explore your options and never stop learning.
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Hotel Accommodation near Schwarzenbergplatz
Search 47 hotels near Schwarzenbergplatz
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These prices aren't available to everyone.
Trending now in Vienna
328 people looked at this hotel in the last hour
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"The hotel was conveniently located to the city with Art Galleries and Museums within walking distance. We dined at the hotel on our first evening and the service and food was exceptional. The staff at reception were very helpful especially Elisabeth, who advised and recommended several tours and ..."
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"Wonderful stay at club level.unable to find any fault.would recommend and would definitely stay there again."
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"Very good. Breakfast is very expensive. All the tourist sites were nearby and easily accessible."
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"Great location for walking and using the Subway. Excellent staff and concierge."
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"Great location for walking to major tourist sites, and very close to subway for easy trip to Schonbrun Palace. We didn't try the breakfast, as we wanted to enjoy local bakeries and cafes. Room was spacious with nice amenities. Our only complaint was the mattress was uneven (sagged on one side) an..."
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"Very, very comfortable bed and thoughtfully designed bathroom with more than usually useful toiletries"
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"The Hotel is, I believe, the only Astrian run hotel on the Ringstraße. We were picked up promptly at the Airport by a hotel car and also dropped back at the airport as well. The driver spoke good english and pointed out some sites on the trip to the hotel. Cost was comparable to a taxi transfer...."
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- Hotel Am SchubertringNo Guest Reviews yet
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"Close enough you can walk or be quick on public transport but just enough away from city center that it's quiet. Clean and comfortable room and a very helpful staff! (I didn't try the breakfast so I can't comment on it, but the minibar was good)"
A Traveller, Sep 2016, US
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"We actually stayed in another apt from the same provider - no complaints"
A Traveller, Jul 2015, US
See Schwarzenbergplatz hotels on a map
- St. Stephen's Cathedral
- Vienna State Opera
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- Vienna International Centre
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- Messe Wien Exhibition and Congress Center
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- International Atomic Energy Agency
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- Vienna University of Technology
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Where to stay near Schwarzenbergplatz
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|Ela Ada / Ila Ada / Vazhayila Ada Recipe
- Rice Flour : 1 cup
- Grated Fresh Coconut : 1 cup
- Powdered Jaggery : 1/2 cup
- Cardamom Powder : 1/2 tsp
- Ghee : t tsp
- A pinch of salt
- Plantain Leaves
|Ela Ada / Ila Ada / Vazhayila Ada Recipe
you make me drool. anything with jaggery is heavenly to me. Add coconut to it and it is perfect. i will have to make it when I visit India. miss banana leavesReplyDelete
favourite snack looks wonderfulReplyDelete
We use a slightly different method in making these. Looks delicious!ReplyDelete
Ila ada looks delicious. Wishing you and family a happy and prosperous New year.ReplyDelete
Tempting clicks! Reminds me of sweet kozhukkattai! :P:PReplyDelete
Nice traditional recipe !! looks YUM !!
Ongoing event CC-Chocolate Fest
Say these look delicious.ReplyDelete
This is so wonderful!ReplyDelete
nicely done and neatly capturedReplyDelete
I'm drooling , beautiful clicks tooReplyDelete
my fave snackReplyDelete
Lovely post.Have learned a new way of making kozhukattai.ReplyDelete
Looks very nice and very mouthwatering.ReplyDelete
irresistable snackReplyDelete
My mom makes this and I just love it. Perfectly doneReplyDelete
Lovely and delicious snacks..ReplyDelete
Wish you and your family a very Happy New Year.
Looks lovely and yummy.
we call it iraddiya.. mom makes it exactly like this, looks great!ReplyDelete
Woww marvellous ila ada,wish to have some.ReplyDelete
The banana leaf always givea nice falvour to the ada...looks yummyReplyDelete
Wish you and your family a very Happy New Year...super delicious sweet....ReplyDelete
I have been dreaming of this for a while. We make it with turmeric leaves which adds a nice flavour. The pictures look so goodReplyDelete
very delicious... i just love it... bookmarked it...
I love it and gonna make it tonight. If you do not have banana leaves try parchment paper instead.ReplyDelete
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text:
Key Information
Modes and duration
- Full-time: 3 months
- Part-time: 18 months
Programme start date
Tuition Fees (2016/17)
- Overseas:
Application dates
Entry Requirements
The normal minimum qualifications are a Master's degree in architecture from a UK university or an overseas qualification of an equivalent standard, or an equivalent professional architecture or design qualification.
English Language Requirements
If your education has not been conducted in the English language, you will be expected to demonstrate evidence of an adequate level of English proficiency.
The English language level for this programme is: Standard
Further information can be found on our English language requirements page.
International students
Country-specific information, including details of when UCL representatives are visiting your part of the world, can be obtained from the International Students website.
International applicants can find out the equivalent qualification for their country by selecting from the list below.
Select your country:
Degree Information
The Architectural Research PG Cert is designed to help students take their individual work to a higher level of design and/or theoretical development. This could materialise in the form of new physical or drawn work that strengthens the individual portfolio, or in the form of a personal exhibition, or as a written piece that extends an earlier piece of writing to become a conference paper or journal article.
Students undertake modules to the value of 60 credits.
The programme consists of one core module.
Core Modules
- Advanced Architectural Research Submission
- There are no optional modules for this programme.
Teaching and Learning
Students are allocated to an individual tutor who works with them to define an appropriate mode of research and submission. Students are encouraged to attend open lectures and crits. They also have full use of the Bartlett workshop, computer clusters, DMC London, the Bartlett Media Hub and Library.
Scholarships relevant to this department are displayed (where available) below. For a comprehensive list of the funding opportunities available at UCL, including funding relevant to your nationality, please visit the Scholarships and Funding website.
Bartlett Masters Scholarship - NOW CLOSED FOR 2016/17 ENTRY
- Value:
- £5,000 (1 year)
- Eligibility:
- UK, EU, Overseas students
- Criteria:
- Based on financial need
Brown Family Bursary - SUCCESSFUL CANDIDATES HAVE BEEN NOTIFIED FOR 2016/17
- Value:
- £15,000 (1 year)
- Eligibility:
- UK students
- Criteria:
- Based on both academic merit and financial need
Henry Herbert Bartlett Travel Scholarship
- Value:
- £400 (1 year)
- Eligibility:
- UK, EU, Overseas students
- Criteria:
- Based on academic merit
More scholarships are listed on the Scholarships and Funding website
Graduates from this programme are currently researching and teaching at UCL and elsewhere and are publishing their work on an international stage.
Top career destinations for this degree
- PhD student, UCL
- Architect, Jonathan Dunn Architects
Why study this degree at UCL?
The UCL Bartlett is the UK's largest multidisciplinary Faculty of the Built Environment, bringing together scientific and professional specialisms required to research, understand, design, construct and operate the buildings and urban environments of the future.
Located in London, it is at the heart of the world's largest cluster of creative architects and engineering firms, next to the UK's seat of government and finance and has all the resources of a world city to hand.
Outputs from the programme include group exhibitions, such as 'Constructing Realities', which was held at Arup's Phase 2 Gallery in central London.
Student / staff ratios › 150 staff › 400 taught students › 100 research students
Department: Bartlett School of Architecture
Degree reviews
"Building up my skills and work has since helped me to pursue a career in architecture that engages in public spaces (museums and galleries), as well as being able to design interactive films for use in major exhibitions. I have a continued dialogue with the tutors at UCL, and am often invited to act as a guest critic or tutor. Perhaps most importantly, other students on the programme remain some of my closest friends and collaborators, and act as an inspiration for future work."
Tetsuro NagataAdvanced Architectural Research PG Cert (2010)
"UCL students work and debate closely with other teachers and lecturers. Moreover, both students and staff are always part of a multicultural and international community. My experience with the Postgraduate Certificate in Advanced Architectural Research (PgCaar) allowed me to develop original research from an existing piece of work, providing the unique opportunity to move from my MA towards my PhD project with research already in place."
Gregorio AstengoAdvanced Architectural Research PG Cert
Application and next steps
Students are advised to apply as early as possible due to competition for places. Those applying for scholarship funding (particularly overseas applicants) should take note of application deadlines.
Who can apply?
This programme provides an ideal framework for those students who are thinking of taking a PhD and need help in formulating their research question. Candidates will be allocated an appropriate personal tutor to guide them closely in their work.
Application deadlines
- All applicants
- 29 July 2016
For more information see our Applications page.Apply now
What are we looking for?When we assess your application we would like to learn:
- why you want to study Advanced Architectural Research at graduate level
- why you want to study Advanced Architectural Research at UCL
- what particularly attracts you to this programme
- how your academic and professional background meets the demands of this programme
- where you would like to go professionally with your degree
Contact Information
- Mrs Thea Heintz
- Teaching and Learning Officer
- email@example.com
- +44 (0)20 3108 9638


text:
COLUMBUS -- Coming into Wednesday's night game, all one had to do was take a look at the roster for the North squad to get a grasp on the sheer volume of area players competing in the contest. Their impact on the game, however, was supposed to be minimal.
Oconee County's Jerry Willoughby led the area contingent in ensuring that wouldn't be the case.
Willoughby, who teamed up with Tyson Browning in the Warriors' backfield to help lead them to the Class AAA state title this past season, turned the game into his own personal showcase serving as the North's featured back.
He didn't disappoint in his first showcase.
Willoughby's 83-yard performance on 20 carries garnered him the offensive MVP award for the Georgia North-South All-Star Football game. But the biggest blow that he delivered was an 18-yard touchdown run in the fourth quarter that gave his North team the go-ahead score as it knocked off the South 11-7 at Memorial Stadium.
''I told them that I wasn't going to talk to the papers this week or anything,'' Willoughby said afterward. ''I just wanted to come out and show them. I'm not one of those people that likes to talk a whole lot about myself. I'd just rather come out and do what I got to do.''
His Oconee teammate J.T. Cape, who started at tight end, was also impressed by Willoughby's performance. But then again, Cape has been seeing perform day-in and day-out for the past four years.
''J-Rock's been doing that all year long,'' Cape said of Willoughby. ''He didn't get a lot of the credit that he deserved because of the team that we had, but he has really been doing that all year. For him to come down here and step up the way he did, no one earned that MVP more than Jerry did.''
After Hart County quarterback Jeremiah Van Dora marched the North team down the field in just three plays, Willoughby took the handoff at the 18-yard line, rolled left past an initial hit at the line, broke two more tackles and strutted into the end zone for the win.
''I refused to go down,'' Willoughby said. ''I put my mind to it and said I was going to score. I figured that I had to score once if I came here.''
That touchdown, and many of Willoughby's runs were made possible by the dominance of the North's offensive line. Anchored by Washington-Wilkes' Adam Thornton, they pushed the South around in the second half creating gaping holes for both Willoughby and Dade County's Darian Jordan.
''I believe we wore them out there right toward the end,'' Thornton said. ''We just kept sticking it to them and we came out with the victory.''
The game may also have served as a preview for an impending showdown in the fall. A pair of South Carolina signees at quarterback squared off as Van Dora started at quarterback for the North and served as the team's captain, while Mitchell-Baker standout Dondrial Pinkins headed up the South team.
Though Van Dora is expected to only handle punting duties for the Gamecocks, he put together an impressive effort that may warrant a good look by Lou Holtz by the time practice rolls around.
The top draw in the North-South game, Pinkins is a more explosive player than Van Dora, but the latter was able to put together several drives for the North and looked very comfortable operating out of a variety of offensive sets.
''It was fun because we did a lot of stuff at Hart, but we didn't run the option here mainly because we didn't have any other quarterbacks,'' Van Dora said. ''They didn't want to risk me running the ball.''
Pinkins was impressive, though the North's defense routinely was able to get to him in the end setting several third-and-long scenarios for the South.
Neither quarterback wanted to make any judgments for the future based on this game with Van Dora still touting the abilities of Pinkins.
''Dondrial still got the edge definitely, I'll just have to wait until we get up there to show them what I can do,'' Van Dora said.
Pinkins agreed with Van Dora on holding off depth chart assignments and focused on the bigger picture.
''We weren't really here to see who was (the better quarterback),'' Pinkins said. ''We're just trying to go to South Carolina and turn the program around whether it's me or him. This was kind of like our first college game, we're just getting prepared for the next level.''
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The Blinking Madonna & Other Miracles
by Beth Harrington
Filmmaker Beth Harrington is sucked into a media vortex when she accidentally captures "the miracle of the Blinking Madonna" on video during an Italian American religious feast, leading her to explore myth and faith in the lives of American Catholic women, including herself.
Blood Brother
by Steve Hoover
An intimate portrait of Rocky Braat, who traveled to India as a disillusioned tourist. When he met a group of children with HIV living at an AIDS hostel, a place of unspeakable hardship, he decided to stay and devote his life to them.
Independent Lens
Bronx Princess
by Yoni Brook and Musa Syeed
Follow the journey of an American teenager who travels to Ghana, West Africa to reunite with her royal father.
The Burning Barrel
by Christina Craton and Timothy Schwab
The Burning Barrel explores the personal costs of consumerism in the rise and fall of a small rural community.
By Invitation Only
by Rebecca Snedeker
New Orleans filmmaker Rebecca Snedeker gives an unprecedented look at the secrets and inner workings of the old-line Carnival societies and debutante balls of Mardi Gras.
D Tour
by Jim Granato
Refusing to let a failing kidney deter him, indie rock drummer Pat Spurgeon goes on tour with his band while searching for a donor and administering his own dialysis.
Independent Lens
Daddy & Papa
by Johnny Symons
Exploring the growing phenomenon of gay fatherhood through the stories of four families, Daddy & Papa looks at gay fathers who face both the routine and revolutionary challenges of becoming parents.
Independent Lens
Death of a Shaman
by Fahm Fong Saeyang and Richard Hall
Through a journey that takes her back to her roots in Thailand, a second-generation Mien American woman strives to come to terms with her late father's death, his drug addiction, and the murder of her sister.
Independent Lens, Global Voices
by Derek Hallquist
Denial is a movie about electricity, gender, filmmaking, and all the ways we lie to ourselves even when faced with overwhelming facts. It is the story of a family coming to terms with hard personal truths against the backdrop of a global crisis.
The Devil Never Sleeps
by Lourdes Portillo
The Devil Never Sleeps is a "whodunit" documentary about family secrets. Filmmaker Lourdes Portillo travels to Mexico to learn the truth about her wealthy uncle's death.
Global Voices
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John Laurie
|John Laurie
John Laurie as Private Frazer in Dad's Army
|John Paton Laurie
25 March 1897
Dumfries, Dumfriesshire, Scotland
|23 June 1980
(aged 83)
Chalfont St Peter, Buckinghamshire, England, United Kingdom[1]
|Cause of death
|Resting place
|Ashes scattered at sea
|Years active
|Florence Saunders (1924–1926) (her death)
Oonah Todd-Naylor (1928–1980)
(his death)
John Paton Laurie (25 March 1897 – 23 June 1980) was a Scottish actor. Throughout a long career, Laurie performed a wide range of theatre and film work. He is perhaps best remembered to modern audiences for his role as Private Frazer in the sitcom Dad's Army (1968–1977). Laurie appeared in scores of feature films with directors such as Alfred Hitchcock, Michael Powell, and Laurence Olivier. He was also a stage actor (particularly in Shakespearean roles) and speaker of verse, especially of Robert Burns.[2]
Early life[edit]
John Paton Laurie was born in Dumfries, Dumfriesshire[3] to William Laurie (1856–1903), a clerk in a tweed mill and later a hatter and hosier, and Jessie Ann Laurie (née Brown; 1858–1935). Laurie attended Dumfries Academy, then enrolled at a grammar school before abandoning a career in architecture to serve in the First World War as a member of the Honourable Artillery Company. Upon his demobilisation,he trained to become an actor at the Central School of Speech and Drama in London and first acted on stage in 1921.[4]
Acting career[edit]
A prolific Shakespearean actor, Laurie spent much of the time between 1922 and 1939 playing parts, including in Hamlet, Richard III, and Macbeth at the Old Vic or Stratford-upon-Avon. He featured in Laurence Olivier's three Shakespearean films, Henry V (1944), Hamlet (1948), and Richard III (1955).[5] He and Olivier also appeared in As You Like It (1936). During the Second World War, Laurie served in the Home Guard.[6]
I've played every part in Shakespeare, I was considered to be the finest Hamlet of the twenties and I had retired, and now I'm famous for doing this crap.
Laurie's early films included Juno and the Paycock (1930), directed by Alfred Hitchcock. The actor's breakthrough third film was Hitchcock's The 39 Steps (1935) in which he played a crofter. Other roles included Peter Manson in Michael Powell's The Edge of the World (1937), Clive Candy's batman in Powell and Pressburger's The Life and Death of Colonel Blimp (1943), a gardener in Medal for the General (1944), the farmer recruit in The Way Ahead (1944), and the brothel proprietor in Fanny by Gaslight (1944). In the film I Know Where I'm Going! (1945), another Powell and Pressburger production, Laurie had a small speaking part in a céilidh sequence for which he was also credited as an adviser. In the next decade he played the repugnant Pew in Disney's Treasure Island (1950), Angus in Pandora and the Flying Dutchman (1951), and Dr. MacFarlane in Hobson's Choice (1954).[8]
Laurie's role as Private Frazer, the gaunt-faced, intense, pessimistic undertaker, and British home guard soldier in the BBC sitcom Dad's Army (1968–1977) remains his best known television role,[9] although he featured in many British series of the 1950s, 1960s, and 1970s including Tales of Mystery, Doctor Finlay's Casebook, and The Avengers.[10]
Laurie starred as Mad Peter in the Hammer film The Reptile (1966), and later appeared in The Abominable Dr. Phibes (1971), the Disney film One of Our Dinosaurs is Missing (1975), and The Prisoner of Zenda (1979).[3] One of his last appearances, looking slightly frail, was in Return to the Edge of the World (1978), in which Michael Powell revisited his earlier film of forty years before.[11] Laurie's final work was in the BBC Radio 2 comedy series Tony's (1979) along with Victor Spinetti and Deborah Watling.[12]
Personal life[edit]
Laurie was married twice; his first wife, Florence Saunders, whom he had met at the Old Vic, died in 1926. His second wife was Oonah V. Todd-Naylor, with whom he had a daughter. He died aged 83 from emphysema in the Chalfont and Gerrards Cross Hospital, Chalfont St Peter.[13] His body was cremated and his ashes were scattered at sea.[14]
Partial filmography[edit]
Partial television credits[edit]
|The Three Hostages
|Insp. MacGillivray
|Four episodes
|Tales of Mystery
|Host / Algernon Blackwood
|29 episodes
|The Avengers
|Four episodes
|Steptoe and Son
|The Vet
|Episode "Wallah, Wallah Catsmeat"
|Z Cars
|Dr Ferguson
|Episode "Partners"
|Emergency-Ward 10
|Professor Corliss
|Six episodes
|Dad's Army
|Private Frazer
|80 episodes, recurring role
|Five episodes
|This article needs additional citations for verification. (October 2010) (Learn how and when to remove this template message)
- ^ GRO Register of Deaths: JUN 1980 19 1081 CHILTERN/B - John Paton Laurie, DoB = 25 Mar 1897
- ^ "iTunes - Music - John Laurie". apple.com. Retrieved 2016-01-11.
- ^ a b "John Laurie". BFI. Retrieved 2016-01-11.
- ^ "BFI Screenonline: Laurie, John (1897-1980) Biography". screenonline.org.uk. Retrieved 2016-01-11.
- ^ Hal Erickson. "John Laurie - Biography, Movie Highlights and Photos - AllMovie". AllMovie. Retrieved 2016-01-11.
- ^ Matt Goddard (14 November 2012). "Dad's Army uncovered: 35 things you need to know about the BBC comedy classic". mirror.
- ^ Ian Lavender Birmingham Press Interview Retrieved 10 March 2013
- ^ "John Laurie - Movies and Filmography - AllMovie". AllMovie. Retrieved 2016-01-11.
- ^ "BBC - Archive - Dad's Army at 40 - Letter from John Laurie". bbc.co.uk. Retrieved 2016-01-11.
- ^ "John Laurie". TV.com. CBS Interactive. Retrieved 2016-01-11.
- ^ "BFI Screenonline: Return to the Edge of the World (1978)". screenonline.org.uk. Retrieved 2016-01-11.
- ^ "Tony's". RadioTimes. Retrieved 2016-01-11.
- ^ The Times, death notice, 25 June 1980
- ^ "John Laurie (1897 - 1980) - Find A Grave Memorial". findagrave.com. Retrieved 2016-01-11.
External links[edit]
- 1897 births
- 1980 deaths
- Alumni of the Central School of Speech and Drama
- British Army personnel of World War I
- Deaths from emphysema
- Honourable Artillery Company soldiers
- People educated at Dumfries Academy
- People from Dumfries
- Scottish male film actors
- Scottish male stage actors
- Scottish male television actors
- People from Chalfont St Giles
- 20th-century Scottish male actors


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I'm 17 in 9 days and have no plans of moving out. Luckily I get along well with my parents (though they can get a little clingy) and can enjoy the free rent, food and be provided with great facilities. Even next year when I start Chemical Engineering at uni, I'll probably stay at home (Rental property prices in Perth atm are outrageous).
As for your situation I hope it works out well for you what ever path you choose. Make sure you think every aspect of your plan through thoroughly and don't push away the helpfull advice of others.
Last edited by dakuda; 01-15-2012 at 08:41 AM.
I have to agree with Dakuda here though, there's lots of debts you'll be getting into. I've had this conversation with my mum, not wanting me to move out, I'll move out in my own time, and I'm not going anywhere being 16. But, anyway, we have one year free accomodation in university so there'll be no point.
Think of what you have to do, have you really thought it out? There's lots of people in the world who wished that they had spent more time with their parents, solitude isn't that great either, fair enough if you're going to live in a city, but no one will be there for you to just chat to whilst watching the television.
Okay, I said to my mum that I'd only have to pay electricity and stuff, but there's other expenses, I don't know how different it is in your country but I'm sure you'd have to pay for a TV liscence, and, y'know, internet connection. If something unsuspected happens, like your drain pipes explode I really wouldn't want to pay the people with money I've just scraped by to pay my rent.
Rental prices are sketchy here, but I don't know about you, but there's things you can't buy away with money. Say if you get an unruly neighbour, how will you deal with it? Constantly annoying you, disturbing your studies, maybe you'll like living in that house in the middle of nowhere, with the comfort of people who'd do anything for you. Most of the time, your parents are right, and I suppose they know what's best for you, they know your personality. In fact, you should just get everyone to move out with friends for a month and see how it goes being lonely.
But, if you do move out and it suites you, it could be a revolutionary change; it'd still make you damn poor though.
I love you, Adam.


text:
Keyword: process water ×
CIRCUL8 Systems
based in Reardan, WASHINGTON (USA)
Complete mixing of a pond or tank. Establish phototrophic bacteria for the stabilization of organic material in water. Nutrient matching to environmental needs, specifically for crop production and carbon sequestration. Break down of organic compounds. Pathogen reduction through biological competition. Reduction and elimination of methane production by establishing ...
Sweco Nederland BV
based in De Bilt, NETHERLANDS
Grontmij is part of Sweco. Sweco plans and designs the communities and cities of the future. Our work results in sustainable buildings, efficient infrastructure and access to electricity and clean water. With 14,500 employees in 15 countries, we offer our customers the right expertise for every situation. We carry out projects in 70 countries annually throughout the ...
PVAG water systems GmbH
based in Jülich, GERMANY
PVAG water systems was founded by Hubert Pfeffer in the early eighties and initially specialized in `shear and scoop spray` technology. Subsequently, it gradually evolved into a plant engineering company and engineering partner dealing with all water-related issues faced by glass works. At the end of 2011 / beginning of 2012, it was taken over by Dr. Daniel Schippan and ...
Umex GmbH
based in Dresden, GERMANY
Manufacture of Special Systems for Industry and Research, Development of Innovative Wastewater Treatment Processes, R&D Services and Orders, Modeling and Process Optimization with Statistical Methods (DoE, Multivariate Methods).
Esperanto Environnement
based in Terrebonne, QUEBEC (CANADA)
Esperanto Environnement has an expertise in membrane technology more specifically in water treatment in the industry. We use microfiltration, ultrafiltration, nanofiltration and reverse osmosis to recycle wastewater and reduce the volume of water to be disposed. By doing so, we help entreprises reduce costs in water management. We also offer services in process ...
PWT Wasser- und Abwassertechnik GmbH
based in Zwingenberg, GERMANY
We can readily see from this Arab proverb that we take water too much for granted – in our part of the world at least. Viewed across the whole world, water is most important resource of the 21st century. A secure supply of drinking water and the availability of water for industrial purposes demands innovative technologies for water and sewage treatment as well as the ...
Watrec Ltd
based in Forssa, FINLAND
Watrec Ltd. is a Finnish company established in 2003, specialized in biogas technology and consultancy services for environmental and energy related issues. We design and deliver the best solutions for our customers. We know how to treat organic waste and wastewater and ready to face the challenges our customers have. We offer our clients to treat waste in economical ...
MYCELX Technologies Corporation
based in Gainesville, GEORGIA (US) (USA)
The Global Leader in Engineered Oil Removal Solutions. MyCelx is the only environmentally sound, patented technology certified for oil removal performance by Lloyd`s Register, UK. Our complete set of turnkey solutions tackle the toughest oil removal challenges in Oil/Gas and Petrochemical, Marine, Manufacturing, Power and Facilities. The MyCelx team has taken the ...
AWG Innovative Water and Wastewater Technology GmbH
based in Eicklingen, GERMANY
Being an independent company involved in water treatment plant engineering and construction and a manufacturer of water components, we know all fields of the water treatment. Our focal point is in the swimming pool water treatment and process water treatment and effluent free production. The manufacture of chlorine electrolysis plants and the measurement, process and ...
based in Langreo, SPAIN
Hidritec, technology and management of hydro resources was born in order to satisfy the emergent technological requirements. It includes a huge field of activity in the application of new technologies to treat the water. Our main activity is based on: purification of supplying water, treatment of the swimming pools water, purification of waste water, treatment of the ...
KARY-PLANAQUA GmbH
based in Bremen, GERMANY
Water and waste water treatment. The planning and construction of facilities in environmental technology requires engineering services, which combine modern technology with the most recent state of science. With the long-term and solid experience of our engineers from the planning and construction of numerous facilities in water and wastewater technologies in municipal ...
Culligan Industrial Water
based in Herculaneum, MISSOURI (USA)
Culligan Industrial Water delivers customized water filtration solutions to industrial and commercial businesses, including: boiler and cooling tower water treatment, dealkalizers, deionizers, softeners & waste water treatment. We provide sterilized and ultrapure water for dialysis treatment and laboratories.
EPAS - Eco Process Assistance
based in Gent, BELGIUM
EPAS (Eco Process Assistance) was founded in 1992 as a spin-off of the Lab for Microbial Ecology (Prof. Dr. ir. W. Verstraete) of Ghent University. EPAS is specialised in the purification of wastewater and gives process-technical advice to industries within Belgium and abroad. We focus mainly on biological processes.
Process Wastewater Technologies LLC
based in Rosedale, NORTH CAROLINA (USA)
Process Wastewater Technologies LLC is a leading global manufacturer of products for biological treatment, CSO/SSO, biosolids/sludge handling and municipal wastewater. We revolutionized the storm water and CSO treatment industry in the early 1990s by introducing continuous deflective separation technology to the market. We offer technologies for gross solids and sediment ...
TwinOxide International B.V.
based in PZ Best, NETHERLANDS
TwinOxide International B.V. is the exclusive worldwide license holder, producer and distributor for TwinOxide, a transportable non-explosive two-component chlorine dioxide. TwinOxide provides safe and disinfected water compliant with the European Quality Standard DIN EN 12671 for drinking water.
BMF HAASE Energietechnik GmbH
based in Neumünster, GERMANY
BMF HAASE Energietechnik GmbH stands for market-leading quality and innovations in the treatment and upgrading of biogas, landfill gas, sewage, natural gas and leachate. With high-tech components from our own production, we achieve exceptional high availability and efficiency of engineered systems. First-class service and long-term experience in operation ensure your ...
Waters Corporation
based in Milford, MASSACHUSETTS (USA)
Waters creates business advantages for laboratory-dependent organizations by delivering practical and sustainable scientific innovation to enable significant advancement in healthcare delivery, environmental testing, food safety, chemical materials and water quality. For nearly fifty years, Waters has helped customers make profound discoveries, optimize operations, ...
MİTTEM Environmentel Tech.
based in İSTANBUL, TURKEY
Founded to become the symbol of prestige, MITTEM acts in the field of environmental technologies; in turnkey contracting, design, construction, manufacturing, supply, installation, testing and consultancy services. In all the solutions proposed, MITTEM considers faultless, complete, true economical approaches of superior quality along with correct methods, prevailing ...
Diamond Water Systems Inc
based in Holyoke, MASSACHUSETTS (USA)
Diamond Water Systems is a leading provider of Water Filtration Systems for the industrial, municipal, and commercial applications. Diamond Water Systems continues its tradition of offering high-efficiency, highly-effective filtration systems that rely upon technology and innovation to clean water down to the nominal 0.25 micron. With years of experience in the design, ...
Luykx Ultrasound bv
based in De Goorn, NETHERLANDS
Luykx Ultrasound bv develops and produces ultrasound equipment for the combating of micro-organisms in water. For this purpose, Luykx Ultrasound bv designs one-of-a-kind electronic transmitters. Where possible, these new designs are patented.