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Our online tools make booking, managing your schedule and paying for lessons easy and hassle-free.
Access and compare detailed information about teaching style, experience, education, and more.
If for any reason you're not satisfied after your first lesson, we'll help you find another teacher or refund your entire purchase.
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Your search for the perfect teacher starts with the subject you'd like to learn and your ZIP code. From the list of recommended teachers, compare detailed information about each option before you make your teacher selection.
Take some time to review the teachers in our network. All of our teachers provide detailed profiles, including information about their background, specialties, and teaching style. You can also read reviews from past and current students.
Select your teacher and book online. After you book, your teacher will contact you directly to talk about your first lesson and you'll be able to manage your entire schedule through our free online account.
Take your voice to the next level. Download free video tutorials to start singing like the star you are!
Getting Started with Music Lessons guides you through selecting a teacher & preparing for your first lesson.
Kickstart your guitar playing. Download free video tutorials to learn about chord progressions, strumming, and more!
Bassoon, Clarinet, Flute, Music Performance, Music Theory, Oboe, Piano
I am a classically trained performer with a Master's degree from London's Royal College of Music. I love finding each student's own learning style to tailor the experience, and I encourage my students to make their own decisions about musical expression (with plenty of guidance, of course!).
In my work as a performer I have played with orchestras all over the world, from the South London Sinfonia to the Bombay Chamber Orchestra. My musical life is full of variety, and I think that the experiences I've had as a musician make me a creative and thoughtful teacher.
*** Lesson Details ***
I wouldn't call myself strict, but I do have high standards. I expect my students to put in the work at home, so that we can get the most out of lesson time, but I think that my expectations are realistic. After all, we all have busy lives, and even if you haven't had time to prepare we can always have a productive lesson.
We will learn simple tunes in the very first lesson, and I will always balance technical exercises with fun. (Though I do think a lot of exercises are fun too!) After a few months we will have a solid foundation of music theory and will have developed your music reading abilities considerably. We will have worked on a great technical foundation of scales and exercises, so that your fingers won't fail you. We will also be delving in to longer and more complex tunes, and considering the possibility of some form of casual public or in-home performance, for you to show your family and friends what you've learned!
*** Studio Equipment ***
Baby grand piano,
Music stands,
*** Travel Equipment ***
I expect students to have their own instruments and music.
*** Specialties ***
Music Theory, Piano, Singing
My love of music started at the young age of 6 with piano lessons. My parents always said, "piano lessons were the best investment they ever made." Because of their investment it took me through my growing up years playing piano and singing at church and school then into college with a music major. I also auditioned and made the specialty touring "Vanguard Choral Group" and had the experience of producing a record back in the day. Taking what I had learned is now a joy to share with you.
As a private teacher, I can promise you an enjoyable and very rewarding experience - smiles and laughter are guaranteed! My number one goal for each of my students is to foster confidence in one's self and one's abilities and to grow one's skills with the passion in music.
For more than 30 years I have taught private piano and vocal lessons. I also have taught K-12th Music classes in Private Schools and directed children and adult choirs in churches. My joy in life is sharing my love for music with you!
*** Lesson Details ***
Our lessons will be filled with fun, yet challenging. I am patient and very encouraging with every student. I understand that every student learns in a way that's unique to them and I will do my best to discover your best learning method.
I believe it is important for you to have a strong foundation of learning to read notes and understanding the basics of music whether for piano or vocally. Each lesson will conclude with an assignment of songs given to work on throughout the week. These will be the same songs worked on during the lesson time, so you will go home with the knowledge to master each song. Music theory and technique exercises will also be included in the assignments.
Daily practice is strongly urged and will be rewarded. The amount of practice time varies by age and level of skill.
Within the first 3 - 6 months you will understand the basics and start feeling confident in becoming the pianist or vocalist you desire. Everyone learns at their own pace but with your desire and a little hard work and me as your guide and cheerleader you will succeed!
I use the Bastien and Alfred method books. I will also introduce Christmas, Pop, Jazz, Christian, Classical and Broadway Hits for variety as time goes on.
Looking forward to meeting you!
*** Studio Equipment ***
Digital Piano
*** Travel Equipment ***
I will purchase books but expect reimbursement for them on your first lesson. Cost is usually $10.00 to $22.00 depending on which music books I feel will work best for your age and ability.
*** Specialties ***
Creativity in both piano and vocal training
Enjoy all aspects of the arts including set design and costuming
Math, Music Theory, Piano, Reading
HOWARD UNIVERSITY— Washington, DC
BA in Music Therapy, with Minors in Bassoon & Piano
UNIVERSITY OF PHOENIX— Pasadena, CA
Master of Business Administration (MBA)
I absolutely love teaching! I've been teaching music for 25 years!
That's all I've ever known. Coming from a family of educators and musicians of two generations we wanted to do something for the community, so I co-founded Piano Play Music Systems,Inc. (an award winning inclusive private & group music program for children voted" The Best Piano School for Kids in LA") 400+ student aged 19 months -adults. I further developed an advanced group piano pedagogy series of method books by editing, creating and developing characters, lyrics for songs within the books to enhance more enthusiasm for learning with older children.
As a trained music therapist, I also co-founded Keylife Foundation,(a non-profit organization that offers services for special needs children, primarily in the autism spectrum). Developed a keyboard program and curriculum with the Braille Institute of Los Angeles and other special needs children focusing on mainstreaming them into regular classes. Music is such a gift to give to others and its an art that is non-judgemental. Its all about you. That's what I want to bring the student--to love and enjoy. If its a recital you want, you can have that too!
I am a current member Music Teachers Assn. of California which can give my students a platform to perform and participate in competetions in the future as well.
*** Lesson Details ***
I believe lessons should have balance. I am going to give my very best to you in our time together, so let's rock it. I want you to get it and hopefully love it. We know you have a life, but put some time into your excercises and music and you will see progress.
I work well with children, but love adults too! If you want fundamentals, you've got the right lady. I teach classical repertoire and technique as well as pop, rock, standards. If you want more theory or ear training, I can do that too! Just Do it !
*** Travel Equipment ***
If we are able do additional computer theory, I will bring a laptop. I expect my students to have a full sized keyboard (if possible)or piano.
*** Specialties ***
Pretty general, across the board from Classical to pop.
Harp, Music Performance, Music Theory, Piano
A concertizing musician since age 9, I hold a Bachelor's and Master's of Music in instrumental performance from the California State University Los Angeles, where I was named the CSU system's youngest to receive a graduate degree. In 2005 I earned a Doctorate of Musical Arts from the University of Arizona, where I was the Graduate Teaching Assistant. I have also been honored as the University of Arizona's youngest doctoral graduate, receiving my degree at age 19.
I have performed as a member and guest soloist with countless chamber ensembles, orchestras, and bands across the United States. Highlights of my international tours include concerts in Shanghai, Seoul, South Africa, Madrid and at the Kennedy Center in Washington, D.C. In addition to playing for such notables as Oprah Winfrey, Maya Angelou, Tippi Hedren, Barbara Sinatra, and Florence Henderson, I have played as an honorary guest at UCLA, the Colburn School, UC Santa Cruz, for the Japanese Ambassador and Embassy, and appeared as guest artist with the Anderson String Quartet, Barry Manilow, and most recently with Il Divo, as well as made several television appearances. My extensive performing experience means that no matter your skill level, as my student I will have you performing, sharing your music with others, and becoming an artist.
I have been the recipient of numerous awards for both my musical and academic performance, including the Valeria Finzi Memorial Harp Competition two years consecutively, the Sally Casanova Pre-Doctoral Fellowship, and have been named as a Medici Scholar and on the Who's Who Among American Women and National Dean's List. I am also active as a composer, arranger, and transcriber, and have taught for the past 16 years. Teaching has always been a special joy of mine, and I have experience teaching students of every age and skill level. I believe in an individualized approach for each student and love to inspire students with my own love of music and lifelong learning. I have worked as a teaching artist with the McCallum Theatre Institute (with elementary-age children) and an instructor for the Osher Institute (age 55+). With a solid background in Classical masterworks, my technical skill and artistic vision allows for interpretations of a variety of music spanning Celtic, Latin, pop, jazz, and rock genres. I teach piano, harp, music theory and musicianship at Mt. San Jacinto College, music history at College of the Desert and provide private instruction from my studio in Palm Springs.
*** Lesson Details ***
What do you want to learn? If you are passionate about music and interested in improving your skills I will mentor you to help you achieve your personal goals. I will personalize our curriculum depending on your experience level, needs, and desires. I believe in a well-rounded approach so we'll focus not only on leaning the notes, but the inflections and expressions of music, performance techniques, technical dexterity, music theory, and music history. In this way not only can you be a skilled performer, but an informed one as well, no matter what your age. My students are my highest priority- I love working with children, introducing them to music for the first time, as well as with the adult student who "always wanted to take lessons" but hasn't been able to yet. Furthering the talents of experienced musicians is also a pleasure. I will be honored to help you in your musical journey!
*** Studio Equipment ***
Studio: quarter grand piano, pedal harp, Celtic harp, electroacoustic harp. There is an adjacent seating area so parents are always welcome to sit in on lessons.
*** Travel Equipment ***
Under special circumstances I am happy to travel to students who have their instrument and related equipment.
*** Specialties ***
I teach both Classical and popular styles and can specialize according to my students' needs/interests.
Classical Guitar, Flamenco Guitar, Guitar, Music Performance, Music Theory, Piano, Songwriting
I am a guitarist, composer and teacher specializing in classical guitar and Latin American music. I have loved music for all of my life and my primary expression of that love is playing guitar. I currently teach private guitar lessons, lecture at San Bernardino Valley College and work as a freelance performer in the Inland Empire and greater Los Angeles area.
I began my study of music at the age of thirteen when I taught myself how to play folk, rock and blues guitar. Though, to be honest, I didn't just teach myself. I had many friends who played guitar who would show me songs or correct mistakes in the songs I had learned from the internet. I remember thinking that music had a special ability to bring people together, and I became determined to understand what exactly it was that gave music that power. I began my formal study of music at Foothill College in Los Altos, California where I studied guitar, music appreciation and music theory. In 2002 I transferred to the University of California at Santa Cruz to pursue a Bachelors of Arts in Music.
I majored in classical guitar at the UC Santa Cruz, but I also pursued a variety of other musical interests including Balinese Gamelan, jazz improvisation and North Indian classical music. It was fascinating to learn how different cultures thought of music and how participating in music is so often linked with the formation of community. I also learned a lot about the history of Western music. I studied the lute and performed the works of Scarlatti, Bach and Handel with the UC Santa Cruz Early Music Consort. I also was a member of the UC Santa Cruz Contemporary Music Ensemble, a group which performed experimental contemporary music. I loved performing with all the different ensembles and becoming familiar with music from different times in history and different places in the world. In 2004, during my last year of college, I began working as a freelance guitar instructor in Santa Cruz.
In April of 2005 I graduated from UC Santa Cruz and moved to Los Angeles where I worked as a freelance performer and guitar teacher. I studied guitar with Dr. Emre Sabuncuoglu at the Los Angeles Guitar Academy and eventually became an associate instructor there. At that time, I was also teaching guitar, piano and songwriting at a studio called All Access Musician located in the San Fernando Valley.
In Fall of 2007 I began working towards my Masters of Music in Composition at the University of California at Riverside. While at Riverside, I studied and performed the music of the Peruvian Andes, early lute music and Brazilian choro. I had always loved Latin American music, but this was the first time I had been regularly performing it with large ensembles. The rhythm, the dance and the singing of Andean music captivated me in a way I never thought it could. I also began to recognize the rhythmic complexity of all Brazilian music at this time and became very interested in choro, samba and bossa nova.
During my time at UC Riverside I was awarded three fellowships from the Gluck Fellows Program, which allowed me to give free public concerts and lectures in schools, libraries and assisted living homes. It gave me great joy to see children in the community fascinated with the music I performed for them and actually being interested in hearing about 16th century Germany or the Peruvian Andes. After two wonderful and painstaking years, I received my Masters of Music in December of 2009.
Currently I work as a freelance classical guitarist for weddings, receptions and festivals. My classical guitar repertoire includes the works of J.S. Bach, Dionisio Aguado, Isaac Alb�niz and Agust�n Barrios Mangor�. I am a founding member of Kusisqa: The Riverside Andean Music Ensemble. We performed for hundreds of people at the San Bernardino Latin Music Festival. I also collaborate with many local musicians performing nueva cancion, jazz, classical music and original compositions.
*** Lesson Details ***
I believe that playing an instrument should be a source of joy in one's life. Playing music is one of the most enriching experiences life has to offer. Every single person on this Earth has the inherent skills necessary to play music, but learning how to express yourself with an instrument is no simple task. It requires a great deal of discipline, focus and intent to realize the music that you want to play. But fear not: YOU CAN DO IT!!!
Too often people think of music as something genetic, that you are either predisposed to be a good musician or you aren't. I know from personal experience that this is simply not true. All great musicians became great because they have the discipline, focus and intent to realize the music they want to play. My lessons are designed to give you the skills necessary to make the music YOU want to.
I recognize that every musician is an individual and I want to help you express your individuality through music. Everyone has their own style and tastes, especially when it comes to the music they like and want to make. Whether you're a little bit country or a little bit rock-and-roll (or classical, or emo, or metal, or grunge...) I can help you make the music you want to. I will help you establish your musical goals and set you on a path towards achieving them.
You also must realize that in order to achieve your musical goals, there are some important fundamentals you need to know. For instance, it is vital that a musician be able to physically manipulate their instrument efficiently and effortlessly. Other skills like knowing how to tune and care for your instrument, how to count rhythms and how to practice music are absolutely crucial for you to be successful in reaching your personal musical goals. My first goal as your teacher is to help you master these fundamentals so you have the skills to learn the music YOU want to.
I have taught literally hundreds of students of all ages over the past six years and my students have a very high success rate. Most of my students play in a recital within the first three months of lessons. All of my students who have been studying with me for more than six months have learned dozens of songs and many have begun performing at open mics, concerts and festivals.
Within the first month of lessons you will be able to play simple songs like Skip to My Lou, Amazing Grace or You Are My Sunshine. You will learn to read music notation, which will give you the ability to look-up and learn songs from the internet. By the second month of lessons you will have mastered the basics and progress to more advanced songs! By the third month you will have solid technique, strong music reading skills and you will start choose the songs you want to learn!
My advanced students, usually those who have been studying with me for six months or more, will choose songs they would like to work on. At this stage I often begin to cover special topics with my students depending on their particular musical interests. Some examples of special topics I've worked on with my students are music theory, ear training, harmony singing, composition, songwriting and preparation for the collegiate study of music.
*** Studio Equipment ***
Acoustic and electric guitars, amplifiers, 88-key weighted and graded keyboard, guitar tuner, metronome, music stands, various percussion and wind instruments
*** Travel Equipment ***
Guitar, guitar tuner, metronome, music stand
*** Specialties ***
classical guitar, Latin American music, composition, music theory
Chinese, Piano, Viola, Violin
�The concertmaster, Kan, handled her difficult solos with disarming ease.�� -Mark Swed
Music Critic
October 23, 2008 LA Times
Acclaimed by the LA Times as a soloist Kan has been a concertmaster in various orchestras, as Shanghai Youth Symphony Orchestra, Shenzhen Symphony Orchestra and MJD International Symphony Orchestra, she has collaborated with numerous renowned musicians, including Seiji Ozawa, Mstislav L. Rostropovich, Lang Lang, Yundi Li, and Josep Carreras among others. Kan earned Bachelor�¢����s Degree from Shanghai Conservatory of Music, China, where she studied with Professor Ding Zhi Nuo. Currently, she is the concertmaster of Azusa Pacific University Orchestra, and a student of Artist Certificate Programme under Professor Charles Stegeman on full scholarship.
She received her bachelor's degree from the Shanghai Conservatory of Music, where she studied under Professor Ding Zhi Nuo. To further pursue her music career, Kan came to study in the United States on full scholarship at Azusa Pacific University, where she received the Artist Certificate Program Diploma in 2010. Meanwhile, she served as concertmaster for the Azusa Pacific University Symphony Orchestra. Kan studied under professor Charles Stegeman, and recently obtained her Music Performance masters.
*** Lesson Details ***
First, I need to talk to my students about their goals. Not only for the adult, teacher also need to know what kids want to know about music. They are interested in it sometimes, they just don't know. Second, I will let them know, interests is just the first step. If you want to learn, you have to pay! Pay your patient, and your endeavor. I will teach in some specific ways to motive students to approach the goals. for example: listen, singing, playing, reading is the process to make the students catch the goal faster without lost their interests! So involve more activities in the lessons is very important! Also, serious technique practice is necessary. As I mentioned before, not only interests, if you want to learn , you have to pay. Once you catch your goal, you will feel happy that the teacher has been pushed you for some boring finger exercise.
*** Studio Equipment ***
I do have a grand piano at home.For violin students, they should have their own instrument.
*** Specialties ***
Suzuki style, classical, contemporary, modern music
"Steven is very professional and extremely helpful. He always has a smile on and is serious about helping you phrase the music. I would highly recommend him to anyone."
"It's been really exciting so far! Jordan has been so helpful, so knowledgeable. I could not have found a better instructor and I'm getting better and better every day."
"My daughter's wedding was weeks away and I had never been able to dance a step. With Jenny's help, I came further than ever before in such short time in any subject."


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|Table of Contents
|Vol. 78, Suppl. 1, 2012
Issue release date: September 2012
Plenary LecturesaPsychiatrische Privatklinik Sanatorium Kilchberg, Kilchberg, bDepartment of Psychiatric Neurophysiology, University Hospital of Psychiatry Bern, Bern, and cPsychiatric University Hospital Zurich, Zurich, Switzerland
Published online: September 7, 2012
Number of Print Pages : 3
Hormone Research in Paediatrics (From Developmental Endocrinology to Clinical Research)
Vol. 78, No. Suppl. 1, Year 2012 (Cover Date: September 2012)
Journal Editor: Czernichow P. (Paris)
ISSN: 1663-2818 (Print), eISSN: 1663-2826 (Online)
For additional information: http://www.karger.com/HRP

subset: commoncrawl


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Policy for Accepting Credit Card and eCommerce Payments
Middlebury College
Approved: October 2012
Updated: September 2013
This policy has been approved by the Vice President for Finance and Treasurer.
- Privacy Statement
- Background and Purpose
- Definitions
- Applicability
- Authority and Responsibility
- Policy Statement
- Process to Implement Acceptance of Credit Card and eCommerce Payments
- Infrastructure Considerations for Credit Card and eCommerce Processing
- Process for Responding to a Security Breach
- Ongoing Policy Management
- Related Documents/Links
Privacy Statement
Middlebury College and Monterey Institute of International Studies, a Graduate School of Middlebury College, (herein after referred to as "Middlebury") recognizes the importance of privacy and abides by the privacy requirements of PCI-DSS standards. Any information gathered in the process of a payment card transaction will be classified in accordance with the Middlebury Data Classification Policy and handled in compliance with the PCI-DSS standard and all Middlebury privacy policies.
Background and Purpose
Middlebury's acceptance of credit cards to pay for gifts, goods and services has been growing over the past several years. Increased interest in accepting payments over the Internet (eCommerce) has also grown, spurring the need to establish business processes and policies that protect the interests of the College and its customers.
While the costs for accepting credit card payments can be significant (1.5%-3.0% of every transaction, depending on the card type), it often makes sense to accept this type of payment for business reasons, which include control of receivables, competitive position and efficient processing. To the extent that it makes economic sense to do so, the College would like to support this activity. In order to ensure that credit card activities are consistent, efficient and secure, the College has adopted the following policy and supporting procedures for all types of credit card activity transacted in-person, over the phone, mail or the Internet. Security breaches can result in serious consequences for the College, including release of confidential information, damage to reputation, added compliance costs, the assessment of substantial fines, possible legal liability and the potential loss of the ability to accept credit card payments. This policy provides guidance so that credit card acceptance and eCommerce processes comply with the Payment Card Industry Data Security Standard (PCI DSS) and are appropriately integrated with the College's financial and other systems.
The PCI DSS is a set of comprehensive requirements for credit card account data security, developed by the credit card industry in response to an increase in identity theft and credit card fraud. As a merchant who handles credit card data, Middlebury is obliged to safeguard that information and adhere to the standards established by the Payment Card Industry Council including setting up controls for handling credit card data, computer and internet security and completing an annual self- assessment questionnaire. The College and all departments that process payment card data have a contractual obligation based on our merchant agreement with our payment processor and/or acquiring bank, to adhere to the PCI DSS Data Security Standard (PCI-DSS).
The purpose of this policy is to define the guidelines for accepting and processing credit cards and storing cardholder information to comply with the PCI DSS.
Account Number: The unique number identifying the cardholder's account which is used in financial transactions.
ASV: Approved Scanning Vendor
Cardholder data: Cardholder data is any personally identifiable data associated with a cardholder. Examples include but are not limited to an account number, expiration date, name, address, social security number, etc.
CDE: Cardholder data environment
Credit Card Processing: Act of storing, processing, or transmitting credit cardholder data.
E-Commerce Application: Any network-enabled financial transaction application.
POS Device: Point of Sale (POS) computer or credit card terminals either running as standalone systems or connecting to a server either at Middlebury College, the Monterey Institute, or at a remote off site location.
SAQ: Self-Assessment Questionnaire
Sensitive Cardholder data: Sensitive Cardholder data is defined as the account number, expiration data, CVC2/CVV2 (a three-digit number imprinted on the signature panel of the card), and data stored on track 1 and track 2 of the magnetic stripe of the card.
Any Middlebury employee, contractor or agent who, in the course of doing business on behalf of the College, is involved in the acceptance of credit card and eCommerce payments for the College is subject to this policy. Failure to comply with the terms of this policy may result in disciplinary actions and could also limit a department's credit card acceptance privileges.
Authority and Responsibility
The Treasury Office is responsible for issuing credit card merchant accounts and for overseeing policies and procedures regarding payment processing. Library and Information Services (LIS) is responsible for the operation of the College's data networks including all merchant services systems.
Finance and LIS will constitute a cross-functional PCI Compliance Team to establish and ensure continued compliance with PCI DSS. To that end, this team will: 1) inventory every merchant that accepts credit or debit cards on campus, 2) verify the PCI DSS compliance of these transaction points and the payment applications used, 3) enforce this Policy for Accepting Credit Card and eCommerce Payments, and 4) educate all entities in the College's payment environment so they know how it works and how to conduct business within our guidelines.
Policy Statement
Any department accepting credit card and/or electronic payments on behalf of Middlebury for gifts, goods or services ("Merchant Department") must designate an individual within that department who will have primary authority and responsibility for eCommerce and credit card transaction processing within that department. This individual will be referred to in the remainder of this policy statement as the Merchant Department Responsible Person or "MDRP".
All MDRPs must:
- Execute on behalf of the relevant Merchant Department the Process to Implement Acceptance of Credit Cards for Payment detailed below.
- Ensure that all employees (including the MDRP), contractors and agents with access to payment card data within the relevant Merchant Department complete the Training & Agreement, at http://go.middlebury.edu/pcidss, to acknowledge on hire and on an annual basis and to sign the PCI Confidentiality Statement electronically that they have read and understand this Policy for Accepting Credit Card and eCommerce Payments. The MDRP should forward the PCI Confidentiality Statement to HR to be filed in the personnel or student file and keep a copy on file to submit upon request to the PCI Compliance Team.
- Ensure that all credit card data collected by the relevant Merchant Department in the course of performing Middlebury business, regardless of how the payment card data is stored (physically or electronically, including but not limited to account numbers, card imprints, and Terminal Identification Numbers (TIDs)) is secured. A TID is a unique number assigned and linked to a specific point-of-sale (POS) terminal or workstation that can be used to identify the merchant operating the terminal during credit card sales transaction processing.
- Ensure that all credit card transactions are reviewed and reconciled to daily merchant reports.
- Ensure all Point of Sale (POS) devices deploy anti-virus software. Ensure all anti-virus mechanisms are current, actively running and generating audit logs. Retain audit trail history for a minimum of one year.
- Ensure all POS devices are updated and patched with the latest vendor supplied security patches on a weekly basis.
- Ensure Point of Sale devices are physically secured. Inspect Point of Sale devices on a weekly basis, for tampering or substitution. Non-production systems must be secured in a locked facility and regularly inventoried. Retain inspection log for a minimum of one year.
- Verify and collect PCI DSS Compliance Certificate or PA-DSS Validation certificate (POS systems) on all service providers within the relevant Merchant Department on an annual basis. The MDRP should retain a copy of the certificates and submit a copy to the PCI DSS Compliance Operations Team upon receipt.
- Ensure user access to cardholder data environment, within the relevant Merchant Department, is revoked when the individual's job no longer requires access to the CDE. Maintain an audit log of user access to cardholder data environment for a minimum of one year.
Data is considered to be secured only if the following criteria are met. Furthermore, failure to follow the requirements below can result in severe penalties, including fines and prohibition from further acceptance of the credit cards.
- Only those with a need-to-know are granted access to credit card and electronic payment data.
- Email/Fax must not be used to transmit credit card or personal payment information. If it should be necessary to transmit credit card information, only the last four digits of the credit card number can be displayed.
- Credit card or personal payment information is never downloaded onto any portable devices such as USB flash drives, compact disks, laptop computers or personal digital assistants.
- The processing and storage of personally identifiable credit card or payment information on College computers and servers is prohibited.
- The three-digit card-validation code printed on the signature panel of a credit card is never stored in any form.
- The full contents of any track from the magnetic stripe (on the back of a credit card, in a chip, etc.) are never stored in any form.
- All but the last four digits of any credit card account number are always masked, should it be necessary to display credit card data.
- Credit card information received for manual processing must be processed in a credit card merchant account (ex. CyberSource) the same day it is received if possible; but absolutely no later than 1 business day (excluding calendar and fiscal year periods).
- Upon successful entry into the Payment Processor; all credit card data must be redacted from the documentation.
- Acceptable methods for credit card data redaction: 1). Cut the credit card data out of the document and immediately crosscut shred. 2). Mask the credit card data with a wide tip black marker, photocopy the document and immediately crosscut shred the original.
- Any credit card data; number, expiration date and CSV code, that has not been processed through a credit card merchant account (ex. CyberSource) (pending entry in payment processor) shall be housed in a secure/locked location. Only essential personnel to have access to the secure location. Credit card data shall not be stored electronically; this includes on a laptop, PC or network file.
- Only authorized staff shall have access to the keys/combination.
- All credit card receipts and credit card authorizations must be kept in a locked and secure area. Individuals responsible for collecting the monies are responsible for proper handling of all related items.
- All media containing credit card and personal payment data that is no longer deemed necessary or appropriate to store are destroyed or rendered unreadable
- The Cashiers Office will act as the central drop offfor all monies and credit card data transfers. Credit Card data being conveyed out of the facility (your building) must be transported in a secure manner.
No Middlebury employee, contractor or agent who obtains access to payment card or other personal payment information in the course of conducting business on behalf of Middlebury may sell, purchase, provide, or exchange said information in any form including but not limited to imprinted sales slips, carbon copies of imprinted sales slips, mailing lists, tapes, or other media obtained by reason of a card transaction to any third party other than to Middlebury's acquiring bank, depository bank, Visa, MasterCard or other credit card company, or pursuant to a government request. All requests to provide information to any party outside of your department must be coordinated with the Director of Investment & Treasury Operations, or the PCI Compliance Team chair.
Each department responsible for credit card processing must complete an Annual Self-Assessment Questionnaire (SAQ) with our PCI compliance partner(s). All systems processing cardholder data must comply with the credit card processing (PCI) policy and the associated procedures. Finance and the LIS Network Security Group will assist in the initial self- assessment. To combat the loss of payment card information to hackers, e-commerce sites must comply with all security requirements. Self-assessment and certification forms will be sent to the PCI Compliance Team upon request.
Finance and Library and Information Services (LIS) will coordinate and oversee the Quarterly Network Scan.
Process to Implement Acceptance of Credit Card and eCommerce Payments
The MDRP must follow the steps below in order to implement payment card processing and eCommerce at Middlebury. These steps must also be completed in the event of a significant system or service provider change in payment card and eCommerce processing systems.
- Notify the PCI Compliance Team of a need to accept credit card payments and/or conduct eCommerce.
- Review the Middlebury PCI DSS information at http://go.middlebury.edu/pcidss . Complete an Application to Become a Merchant Department; (Attached as Appendix A). Applications must be signed by the MDRP as well as the department Budget Director. It is the responsibility of the department Budget Director to approve the business case for the department to become a merchant department, the Banner information provided, and the designated Merchant Department Responsible Person.
- Note: Accepted payment gateway's for the College are CyberSource and Mercury Payment Systems. Acceptable payment methods at Middlebury are the HOP (Hosted Order Page) or Secure Acceptance method. Payment methods such as SCMP, SOAP, SOAP Toolkit API (service provider transmit the credit card data) will require prior approval from the PCI Compliance Team, based on justification around critical functionality. A Credit Card data flow diagram must be obtained from the service provider and submitted to the PCI Compliance Operations Team.
- Submit the application and credit card data flow diagram for review and approval to the PCI DSS Compliance Team at firstname.lastname@example.com. Applications that request eCommerce capabilities will also require approval of the LIS Network Security group.
- Systems that contain multiple functionality, inclusive of credit card transactions and requires a separate server will require secure physical storage of the server component. Prior approval from Central Systems and Network Services is required due to specific physical considerations in the server environment.
- If the application is approved the contract with the vendor/service provider must contain the Data Privacy & Breach Notification" (PCI version) as described below and be reviewed per the Middlebury Contract Policy.
Data Privacy & Breach Notification Contract Language:
Middlebury requires that [vendor] shall at all times maintain compliance with the most current Payment Card Industry Data Security Standards (PCI DSS). [vendor] will be required to provide written confirmation of compliance annually. [vendor] acknowledges responsibility for the security of cardholder data as defined within PCI DSS. [vendor] acknowledges and agrees that cardholder data may only be used for completing the contracted services as described in the full text of this document, or as required by the PCI DSS, or as required by applicable law.
In the event of a breach or intrusion or otherwise unauthorized access to cardholder data stored at or for [vendor], [vendor] shall immediately notify Middlebury's Office of the VP for Administration and Treasurer to allow the proper PCI DSS compliant breach notification process to commence. [vendor] shall provide appropriate payment card companies, acquiring financial institutions and their respective designees access to the [vendor]'s facilities and all pertinent records to conduct a review of the [vendor]'s compliance with the PCI DSS requirements.
In the event of a breach or intrusion [vendor] acknowledges any/all costs related to breach or intrusion or unauthorized access to cardholder data entrusted to [vendor] deemed to be the fault of [vendor] shall be the liability of [vendor]. [vendor] agrees to assume responsibility for informing all such individuals in accordance with applicable law and to indemnify and hold harmless Middlebury, and its officers and employees from and against any claims, damages or other harm related to such breach.
- Director of Investment & Treasury Operations, or designee, will provide the requesting department any necessary equipment (swipe/key terminal), needed information (Merchant ID #), training, and directions for processing transactions for accounting purposes. The Director of Investment & Treasury Operations, or designee, will also provide additional information about processing, policies and what to do in the case of a security breach.
- Any Middlebury employee, contractor or agent (students, faculty, administrators, temporary employees, volunteers) responsible for processing, storing, or transmitting credit card data must complete the Training & Agreement upon hire and on an annual basis at http://go.middlebury.edu/pcitraining .
- Each Merchant Department must have a MDRP at all times. It is the responsibility of the MDRP and the MDRP's direct supervisor to ensure this role is filled. The direct supervisor must record and track any change in MDRP's.
Infrastructure Considerations for Credit Card and eCommerce Processing
The following considerations must be taken into account when implementing payment card processing and eCommerce systems.
- Payment card processing and eCommerce systems must be segmented in accordance with the standards (See Appendix C) set forth by LIS to comply with PCI DSS regulations and to support other Middlebury network operations.
- Payment card processing and eCommerce systems must be located on a segment of the network which can be managed in such a way as to support monitoring and management efforts by LIS and third party security agencies contracted by the college.
- Existing payment card processing and eCommerce systems must be audited within one year of the acceptance of this policy.
- All new systems must be processed through the SaaS and Confidential Data Survey developed by LIS at http://go.middlebury.edu/saas .
Process for Responding to a Security Breach
In the event of a breach or suspected breach of security, the Merchant Department must immediately execute each of the relevant steps detailed below:
- The MDRP or any individual suspecting a security breach must immediately notify the Director of Investment & Treasury Operations and the Incident Response Team at firstname.lastname@example.com, in accordance with the Technical Incident Response Policy, of an actual breach or suspected breach of credit card information. Email should be used for initial notification and to provide a telephone number for the Director of Investment & Treasury Operations the Incident Response Team to call in response. Details of the breach should not be disclosed in email correspondence.
- The MDRP or any individual suspecting a security breach involving eCommerce also must immediately ensure that the following steps, where relevant, are taken to contain and limit the exposure of the breach:
- Prevent any further access to or alteration of the compromised system(s). (i.e., do not log on at all to the machine and/or change passwords)
- Do not switch off the compromised machine; instead, isolate the compromised system(s) from the network by unplugging the network connection cable.
- Preserve logs and electronic evidence.
- Log all actions taken.
- Document all conditions, personnel and events around system at time of and leading up to suspected breach.
- Be on HIGH alert and monitor all eCommerce applications.
- Arrange for an independent forensic review.
- Arrange for a network and system vulnerability scan.
- Complete a compliance questionnaire and submit it to relevant card association(s).
Ongoing Policy Management
- Middlebury may modify this policy from time to time as required, provided that all modifications are consistent with PCI DSS then in effect. The Middlebury PCI policy was approved by Patrick J. Norton, VP for Finance and Treasurer, October 2012. This document will be modified as our experience with PCI DSS Compliance grows at least annually.
- The PCI Compliance Team is responsible for initiating and overseeing an annual review of this Policy, making appropriate revisions and updates and issuing the revised policy to appropriate Merchant Departments. The review will include reconfirmation of certified PCI DSS compliance of Middlebury's third party vendors that accept credit card payments on behalf of the College.
Related Documents/Links
- Middlebury's PCI DSS Policy for Accepting Credit Card and eCommerce Payments
- PCI Compliance Team
- Application to Become a Merchant Accepting Credit Card and/or Online Payments:
· The Technology Incident Response Policy
- The web site for the PCI DSS Security Standards Council:
- PCI DSS Overview:
- PCI DSS Self-Assessment Questionnaire Overview and instructions:
- For a list of Visa validated service providers see: http://usa.visa.com/merchants/risk_management/cisp_service_providers.html .
- For a list of validated Payment Applications see: https://www.pcisecuritystandards.org/approved_companies_providers/vpa_agreement.php .
Appendix A – Application to Become a Merchant Department or Service Provider Change
All Merchant Departments must complete the Application to Become a
Merchant Department if requesting to process credit cards, changing service providers or existing system changes.
Application Submission Date:
Name: Email:
Title: Extension:
Describe the goods, services and/or gifts for which you will receive payments. Please be specific:
Is this an existing or new source of revenue?
Provide the Banner FOAPAL(s) where funds will be deposited and related fees will be assessed:
Explain why your department wants to accept credit card payments.
What economic benefits do you expect to gain by accepting credit cards? Please quantify and/or provide additional documentation to support this application.
Describe the frequency of credit card payments. Is this a one-time event? Are payments for seasonal or year-round activity? Provide detailed timeframes.
Will credit card be the sole method of payment? If not, what other methods of payment do you anticipate accepting for this specific purpose?
How do you plan to process these payments? (Check all that apply)
In-person (card present) Mail/phone/fax order* Internet
*Note: Credit card data should never be transmitted via email or fax correspondence.
If you are planning to accept credit card payments via the Internet, do you have a website?
If so, please provide the URL:
Please indicate the estimated annual dollar volume and number of transactions for each applicable credit card acceptance process:
In-person $ # transactions
Mail/phone/fax order $ # transactions
Internet $ # transactions
Who will be the Merchant Department Responsible Person (MDRP)? The MDRP, as referenced in the Middlebury Policy for Accepting Credit Card and eCommerce Payments, is responsible for managing credit card and/or eCommerce transaction processing. Include name, job title and phone extension and describe duties.
Please identify any additional staff who will be involved in processing credit card payments. Include name, job title and phone extension and describe duties.
Will any other departments, software packages or outside vendors be involved in the processing of credit card payments? If so, please identify all parties and describe their roles and responsibilities.
Is the payment gateway CyberSource or Mercury Payment Systems? If CyberSource, does the Service Provider support CyberSource HOP (Hosted Order Page) or Secure Acceptance payment method; the College's preferred method of payment processing? Please attach a diagram of the cardholder data flow from the Service Provider.
Systems that contain multiple functionality inclusive of credit card transactions and leverage a separate server will require secure physical storage of the server component. This should be coordinated with Central Systems and Network Services before acquisition of the system and prior to any contract negotiations as they may place additional requirements on the server component of the design.
Signatures: __________________________ __________________________
MDRP Employee ID:
Signatures: __________________________ __________________________
Budget Director Employee ID:
By signing this form, the Merchant Department Responsible Person acknowledges that he/she understands his/her role as outlined in the "Middlebury Policy for Accepting Credit Card and eCommerce Payments" and accepts the responsibility of that role.
By signing this form, the Budget Director approves of the business case presented for the department to become a Merchant Department, the Banner information provided and the designated Merchant Department Responsible Person.
Please submit completed form to: PCI DSS Compliance Team at email@example.com . Questions can be directed to the PCI DSS Compliance Operations Team at firstname.lastname@example.com .
Appendix B PCI DSS Confidentiality Statement
Please utilize the computer based Training & Agreement online at http://go.middlebury.edu/pcidss
As a member of the staff of Middlebury, I acknowledge that in the course of my employment I may have access to personal, proprietary, transaction-specific, and /or otherwise confidential data concerning faculty, staff, students, alumni and/or other persons through the processing of credit card transactions. As an individual with responsibilities for processing, storing and/or transmitting credit card data, I may have direct access to sensitive and confidential information in paper or electronic format. To protect the integrity and the security of the systems and processes as well as the personal and proprietary data of those to whom the College provides service, and to preserve and maximize the effectiveness of College's resources, I agree to the following:
• I will maintain the confidentiality of my password and will not disclose it to anyone.
• I will utilize credit card data for College business purposes only.
• I have been provided a copy of the College's Policy for Accepting Credit Card and eCommerce Payments regarding the proper storing, protection, and disposal of such confidential data and I will ensure that any such data is shredded or otherwise disposed of as per approved office policy when no longer needed.
• I have read, understand, and agree to abide by the College's Policy for Accepting Credit Card and eCommerce Payments. Any violations to this Policy will be grounds for disciplinary action up to and including termination of employment from Middlebury.
Name (Print): __________________________
Employee ID#:__________________________
Signature: __________________________
Date: __________________________
Department: __________________________
Supervisor: __________________________
Employee ID#:___________________________
Date: __________________________
Appendix C – Architecture Standards for PCI DSS Compliance
There are a number of considerations for securing both systems and network architecture in respect to PCI DSS across the Middlebury campus's. This section of the policy has been broken into three sections: core Infrastructure, systems and servers, and remote terminals. Each of these components of the policy reflects how the respective infrastructure must be configured for monitoring, access, and network connectivity in relation to the larger Middlebury network.
Core Infrastructure:
- Payment transactions will be isolated on a logically and physically isolated segment of the network.This segment will be used exclusively for payment card and eCommerce transactions.
- The PCI restricted network segment will only allow connections initiated from inside the secure segment or between the secure segment and 126.96.36.199/17.
- Outbound traffic from the PCI network segments will be limited appropriately.
- HTTP traffic will be prohibited from the PCI segments. HTTPS will be allowed on an as need basis.
- The PCI segment will be monitored and segmented from the general Middlebury network by technology compliant with the PCI standard.
- The PCI segment will be isolated from the campus wireless network and will be segmented off with appropriate ACL restrictions and firewall rule sets
- No devices which provide wireless access will be allowed to connect to the network inside of the PCI segment.
Servers and Systems:
- Work stations used for dual purposes, such as ecommerce and general business applications should use an RDP session to connect to a secured system inside of the PCI network segment for the ecommerce applications.
- Special events, such as phonathons should use systems located in the PCI segments of the network to gather and process ecommerce transactions.
- Vendor provided servers must be hardened and maintain a SLA that accounts for patch management and anti-virus solutions.
- All ecommerce servers and systems must maintain current and valid anti-virus software.
- Ecommerce servers and systems must be patched against current vulnerabilities and threats for both operating system and application vulnerabilities.
Remote Terminals:
- Only Verifone or comparable approved PIN Acceptance Devices, https://www.pcisecuritystandards.org/approved_companies_providers/approved_pin_transaction_security.php, may be used outside of the designated PCI segment of the network. Use of any device outside of the PCI segment of the network requires approval from the PCI Compliance Team.
- Use of Cellular phones, iPad and Tablet based payment processing is prohibited until such time as a formal standard is approved by the PCI SSC and adopted by the PCI Compliance Team.


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Kashmir Hill, Forbes Staff
Welcome to The Not-So Private Parts where technology & privacy collide
The social-submission site Reddit calls itself the "front page of the Internet." It's a place where interesting content does not simply float to the surface, but is actively 'voted up' to that surface. Many journalists spend time there on a regular basis, as it's a reliable source of story fodder thanks to both crowdsourcing and the meritocratic system by which "good" stuff is upvoted and bad (i.e., boring) stuff is downvoted.
Three stories struck me as I surfed the site today. They were all pieces of content from Reddit users (as opposed to links to media stories):
– A photo of a stark naked man in a line at Wendy's. ("Well, there's something you don't see every day.")
– A photo of one man "rear-ending" another man in a parking garage. That's a euphemism, and you probably don't want to click on the link in this Reddit post while at work. ("A little privacy please.")
– Someone serving in the military discovered his wife is having an affair. She had signed into Facebook on his phone, and neglected to sign out after. After discovered raunchy messages the two exchanged, he posted them for members of Reddit to read and then offer him advice. ("Currently serving in the military. Came across some messages between my wife and another guy in the Navy. What should I do?")
In one day, on one site, you have three privacy minidramas playing out: a dude who needs some clothes more than he needs a Frosty, two people captured having sex (in a phone photo that has now been viewed by at least 30,000 people), and one person intercepting electronic communications and exposing them to the world (he redacted last names, but 67,000 people have read the explicit exchange between Amber and Joseph).
Dana Milbank wrote today in the Washington Post about how spying tools developed for law enforcement use are steadily making their way into civilian hands, meaning that the opportunities to capture information about one another (and expose it) are only going to increase. Meanwhile, GigaOm recently asked "what happens when social surveillance goes mainstream." I think it already has. And it's swiftly becoming a daily source of entertainment.
I have spent the past academic school year as a faculty facilitator for 10 very bright University of Utah Honors students in a Think Tank on Transparency and Privacy. These students are digital natives who are conversant with all the new social media platforms and who are not afraid of new technology. We have heard from the country's leading thinkers on the issues of transparency and privacy, including the hot button issues of GPS tracking, facial recognition, drone surveillance, internet use tracking, data aggregation and other forms of involuntary transparency.
Although the students have learned many things and different students have different levels of comfort about their personal privacy, there is one thing about which they all agree: we are now living in a voyeuristic, surveillance society where there are very few secrets and one must diligently and proactively work to safeguard what little personal privacy remains. Toward that end, as one of their year end projects, the students are making a series of videos on how students can best protect ones privacy in today's brave new world. Check out the Think Tank's web page at http://campusguides.lib.utah.edu/honors.
Stumbled across this old post and struck by three things:
1) It reads like an "OMG look what the children are up to!" piece. My initial reaction was, "So, never been to Reddit before and found three scary things? Congratulations on the sleuthing."
2) Two of the "privacy" issues mentioned concern public behavior. Any journalist could have documented them if they'd gotten there first. The third was made public by some guy sharing his wife's information. In no case did a scary Reddit mob crack open someone's privacy and splash it around the internet (not that that doesn't happen; but not in these examples).
3) Why the hell does Forbes need to know my Google+ contact information in order for me to comment on this little blurblet about the scaryness of online privacy? Is the irony of this even registering? A piece implying that Reddit violates privacy (when none of the examples demonstrate this) that can only be commented on if you allow Forbes to violate your privacy in a much more clear and egregious way?
Okay. I can accept that. Thanks for the reply.


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This section will feature stories organised under individual categories, providing a resource for in-depth study of particular topics. It will get richer as more stories are added to the website.
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HYDERABAD, Saturday, July 12, 2014
Two city boys for Homeless World Cup!
Soccer fever is reaching a climax in Brazil. But for two young footballers, Tariq and Simarpreet Singh from the city, it might just be the beginning of a journey to recognition. The two boys have... »More on international tournament AND: Andhra Pradesh, Hyderabad, soccer, sport, World Cup
HYDERABAD, Saturday, July 5, 2014
Underprivileged children sail with ease
A group of youngsters from modest financial background, many of whom orphans, are literally making waves and earning a reputation of being fine sailors from Hyderabad. About 15 such youngsters, su... »More on international tournament AND: Hyderabad, sailing, sport
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Chess prodigy set to script success stories
Kushagra Mohan clinches silver medal in the Asian Youth Chess Championship in Tashkent. »More on international tournament AND: chess, Hyderabad, sport
More Articles about: international tournamentPages: « ‹ 1 2 3 4 5 › »
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The Hindu presents the all-new Young World


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By SCOTT JACKSON Courier sports writer
Ottumwa Courier
---- — OTTUMWA — Hosting your own tournament, no matter what time of year it is, never proves to be an easy endeavor.
What was supposed to be a busy 'kickoff' weekend of both the men's and women's soccer programs of Indian Hills Community College got much less hectic when the William Penn JV and Century College women's teams had to call off the plans to travel this weekend to Ottumwa for the IHCC 'Kickoff' Tournament. That left only the Warrior men's soccer team left to open its season while the women's team will have to wait two more weeks.
But sometimes, according to IHCC men's and women's coach Doug Siegle, seemingly bad news can have a very positive outcome.
"Our women's team is fairly thin and we've been battling some injuries ourselves, so to get a couple extra weeks to heal up actually works out fairly well for them," Siegle said.
Meanwhile, the soccer weekend will continue on with three men's matches set to be played over the next three days on the Indian Hills Soccer Field. It will mean that, on Saturday, no IHCC team will actually be in action as the Warriors play in the opening day and final day of the tournament facing Century at 4:30 p.m. this afternoon to open the 2013 men's soccer season before facing Wentworth Academy at 1 p.m. on Sunday.
But while Century and Wentworth will have the IHCC pitch to themselves on Saturday for a 3:30 p.m. kickoff, the afternoon will also feature a chance for the youth of Ottumwa to get acclimated to the sport of soccer. The Ottumwa Youth Soccer Association will be holding signups for the upcoming season while the Warriors practice, put on skill demonstrations and even sign autographs for the soccer stars of tomorrow from 1-3 p.m.
"It's a nice way to kind of tie in area youth soccer with our program," Siegle said. "We're going to try and go out do some coaching this season with the youth soccer teams. We want to be involved as much as we can.
"There are not as many parents around here that have been involved with soccer. It helps to have some grown men and women that are involved helping them learn the sport."
Youth is a word that has always been associated with the IHCC soccer program, which is one of the youngest programs for the school. As such, the Warriors have continued to battle uphill trying to establish a foothold in a region that features great programs like Iowa Western, Marshalltown and Iowa Central.
"I think you're looking at some of the best teams in the country playing in our conference," Siegle said. "We've kind of narrowed the gap on the men's side, but it's a great gap to make up on the women's side."
Once again this season, Indian Hills will have to battle some of the best teams in the country with one of the younger teams in the region. The Warrior women return six players from a 2-17-2 squad while the men return just four players from last year's team that rallied with four wins in its final six games before dropping a disappointing 5-3 postseason opener to Dakota County (Minnesota) in the Warriors first-ever home playoff game, capping a 6-11-4 campaign.
"It's tough to handle the academic standards sometimes. We've lost a handful of players from last year just because of the direction we're trying to go as a program," Siegle said. "The bottom line is the depth is going to be an issue. Our starting 11 is always good, but as the season wears along and a few injuries occur, our bench begins to struggle."
The Indian Hills men hope to put on a good show in front of the fans, facing an NJCAA Division III Century squad from the suburban St. Paul, Minn., area. The Wood Ducks will also be opening its season on Friday in Ottumwa as will the Red Dragons of Wentworth Military from Lexington, Mo.
"The two points of this weekend are to let everyone know that we've got good soccer to watch out here and the other is get our guys some confidence going into conference play," Siegle said. "I think we're excited to get out there and kick the ball against another team other than our own. We need to take those positive steps as a program as we go forward. That's what we need to do starting this weekend."
To follow Scott Jackson's Twitter feed, go to @stjack423


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Hallmark is Listening
This is the last thing a hospice patient with cancer wants to hear. To often they have been told that this is a fight, cancer is a battle. What is hospice? Losing?
Authored by:
Regina HollidayRegina Holliday is a DC-based patient rights arts advocate. Regina began painting a series of murals depicting the need for clarity and transparency in medical records. This advocacy mission was inspired by her husband Frederick Allen Holliday II and his struggle to get appropriate care during 11 weeks of continuous hospitalization at 5 facilities. After his death resulting from kidney cancer ...
Other Posts by Regina Holliday
"Thanks Janet. As you know, Alexandra's institution is a member of the Mayo Clinic Center for Social Media. I'm a member of the Center's external advisory board. I'd invite folks interested in bringing best practices to their own institutions to think about coming to the annual meeting this fall in Rochester, MN. See MCCSM site for details.I am also perpetually looking for bloggers to host ..."
"It is a good story, thanks for sharing it, and the business world is littered with similar transformations. The common thread in them tends to be the fact that, like Encyclopedia Britannica, these organisations were facing extinction, they had stopped being relevant to customers and were loosing money.Not so for pharma - well perhaps they have lost the plot with customers and are becoming less ..."
"There's another free resource for rural hosptials implementing ICD-10. It's definitely worth checking out! Rural ICD-10 "
David Davidovic David built and led commercial functions in the pharmaceutical and biotechnology industries for 33 years and has been di More »
Barbara Ficarra Barbara Ficarra, RN, BSN, MPA is an award-winning journalist, media broadcaster, health educator, speaker and consultant More »
David Harlow David Harlow is Prinicipal of the Harlow Group LLC, a healthcare law and consulting firm based in Boston, MA. More »
Stephen Schimpff Stephen C. Schimpff, MD is the retired CEO of the Univ. of MD Med. Center and the COO of the Univ of MD Medical System. More »
Andrew Schorr Andrew, a leukemia survivor and respected medical journalist is the founder of PatientPower, an excellent web resource. More »
John Sharp John Sharp has interests in social media in healthcare and clinical research informatics including secondary use of EMR More »
Christina Thielst Christina Thielst is a hospital administrator, consultant, educator and author with 30 years of healthcare experience. More »


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Seven members of the 20th Indiana Infantry re-enactment group have been helping recreate the bloodiest battle fought on American soil at the site where it happened.
The group, based on an actual volunteer Civil War fighting unit from Lake County, joined thousands of other re-enactors Wednesday at the Gettysburg National Military Park for the 150th anniversary of the bloodiest battle of America's bloodiest war.
Since Wednesday, the group has camped in period-style tents and re-enacted several battles per day in the Pennsylvania Wheatfield, near where the actual fighting occurred in 1863. The events were scheduled to continue through the weekend.
The actual 20th Indiana Infantry Company B was a Civil War fighting unit made up of men largely from Crown Point, Lowell and Merrillville. The regiment's commander — Col. John Wheeler, of Crown Point — died on the second day of the three-day battle.


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A Week in History: D-Day, Salem Witch Trials, and the Declaration of Independence
Allied forces storm the beaches of Normandy, France, during World War II and Robert Kennedy is buried.
A look back at the week in history
June 6, 1944 D-Day. Allied forces storm the beaches of Normandy, France, during World War II.
June 7, 1913 Hudson Stuck leads the first expedition to reach the summit of Alaska's Mount McKinley.
June 8, 1968 Three days after his assassination, Sen. Robert Kennedy is buried near his brother's gravesite at Arlington National Cemetery.
June 10, 1692 Bridget Bishop, the first person tried and convicted in the Salem witch trials, is hanged.
June 11, 1776 Congress appoints five men to write what would become the Declaration of Independence.
- Check out this month's best political cartoons.
- Follow the money in Congress.
- Become a political insider: Subscribe to U.S. News Weekly, our digital magazine.


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"The card came out great, looks exactly like it does online. As always, paper and print quality is excellent. Very happy with this."
"I loved the design of this card and the images online are great representations of the actual. We went with the shimmer paper which added a nice touch. The printing was also well done. The color of my chosen image appeared as I expected. I am very happy with this product."


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MAGNETIC CARTRIDGE STYLUS SANYO/FISHER ST-67 Magnetic Styli, Type: Sanyo/Fisher, Manufacturer Number: ST-67, Diamond
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Cedric Benson - #32 - RB
|5' 11"/ 227 lbs.
|Midland, TX
|Years played
|2005, 1st round, 4th pick by Bears
Report: Eight players could be suspended
Eight NFL players could be subject to suspensions for transgressions committed during the lockout, according to a Yahoo! Sports report.
Report: Benson facing three-game suspension
Bengals RB Cedric Benson is facing a three-game suspension for violating the NFL's personal conduct policy, Michael Silver of Yahoo! Sports reported on Thursday.
Bengals' Benson released from jail early
Bengals RB Cedric Benson was released from jail Saturday after serving five days of a 20-day sentence for misdemeanor assault.
Benson begins jail sentence
Instead of serving his sentence during the team's bye week, Bengals RB Cedric Benson surrendered himself to the Travis County Jail late Tuesday
Benson sentenced to 20 days in jail
Bengals RB Cedric Benson has resolved a pair of assault cases against him, one of which will have him serving up to 20 days in jail.
Del Pilar's Digest: Running back busts
You're asking for trouble if you take the injury-prone Jahvid Best as one of your top running backs. See who ranks as busts and overrated at the RB spot.
Report: Bengals re-sign RB Benson
The Bengals have reportedly agreed to re-sign RB Cedric Benson to a one-year deal.
Benson arrested, charged with assault
RB Cedric Benson, a free agent who played for the Bengals last season, has been arrested and charged with assault on a family member.
Bengals' offensive philosophy among issues to watch
The direction and composition of the Bengals' offense are questions that have yet to be answered.
Benson, Bengals win 'Battle of Ohio'
Cedric Benson ran for a season-high 150 yards and a touchdown, and the Cincinnati Bengals ended a 10-game losing streak that matched the longest in their franchise history, beating the Cleveland Browns 19-17 on Sunday.
Browns-Bengals matchup of the day: Wednesday
Here's a matchup to watch to in Sunday's Browns-Bengals game.
Bengals have broad range of roster issues to address
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With a favorable matchup against the 27th-ranked Cardinals pass defense, Pat Fitzmaurice says that Chiefs WR Dwayne Bowe has a great chance of extending his recent streak of impressive performances.
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The NFL will not discipline Bengals RB Cedric Benson, who was arrested on June 29 on a misdemeanor assault charge stemming from a May 30 incident at a bar in Austin, Texas, the Bengals announced Friday via their Twitter feed ...
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Bengals RB Cedric Benson will meet with NFL commissioner Roger Goodell on Thursday, ProFootballTalk.com and NFL Network reported Tuesday.
Benson may face discipline because of assault charge
Bengals RB Cedric Benson faces a misdemeanor assault charge in Austin, Texas, stemming from a May 30 incident at a bar, and police and Benson's attorney, David Cornwell, have different accounts of events.
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Benson will remain on injured reserve for the rest of the season after having surgery on his foot.||||||| Benson was placed on injured reserve but designated to return on Oct. 10 after spraining his left foot. He was eligible to resume practice, and could have played as early as Dec. 9 against Detroit. But he never did practice, and said last week he was considering surgery. Benson finishes the year with 248 yards rushing on 71 carries.
Benson left Sunday's game against the Colts in the second quarter with a left foot injury.||||||| Benson appeared to get his cleat caught in the turf as he was being tackled.
Benson ran for 45 yards and a touchdown during Monday's controversial 14-12 loss at Seattle.||||||| Benson also hauled in four receptions for the second consecutive week, giving him added value in PPR leagues. He could be in line for another big game in Week 4 against a Saints defense that ranks last in the NFL with 215.0 rushing yards allowed per game.
Benson signed with Green Bay on Sunday. He spent the last four years with Cincinnati, but the Bengals showed little interest in re-signing the eight-year veteran.||||||| The 29-year-old Benson rushed for at least 1,000 yards in each of the last three seasons. He was Chicago's top draft pick in 2005.
Benson has visited the Green Bay Packers, who may be looking to boost their depth at running back.||||||| Benson is a free agent after four seasons with the Cincinnati Bengals. He had 273 carries for 1,067 yards and six touchdowns rushing last season and has surpassed the 1,000-yard rushing mark in each of the past three seasons. The Packers did not re-sign veteran free agent Ryan Grant in the offseason, leaving James Starks as the most experienced member of a young backfield.


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These are a few of my favorite things…
By Alaska. Posted in Alaska | 2 Comments »
For my favorites list this year, I decided to focus more on what I read and loved this year, as opposed to what year it came out. I'm sure there are tons more that I need to read, I fell a bit short on my list this year with reading as many books as I want to. Working in a library, you hear all day about books you HAVE to read, and it gets stressful! I don't give full out reviews here, mainly because I'm listing my favorite books of the year, so do I need to tell you why they're awesome? No! They are because I (and lots of other people) said so. That doesn't mean they'll be awesome to you obviously, so I won't judge you if you don't like my list. Please feel free to add your favorites in the comments below.
Without further ado, my favorite books read in 2011…
|Everybody Sees the Ants
By: A.S. King
This is only the 2nd A.S. King book I've read, but I already feel like I wouldn't hesitate to call her one of my favorite authors. I'm working on a full review for this, but in the meantime, pick it up!
By: Veronica Roth
Another book to read if you are a Hunger Games fan, and they already sold movie rights. This is a fast paced read with lots of action.
|I'll Be There
By: Holly Goldberg Sloan
I'm not even sure what style this book is written it, but it was breathtaking. I loved each character so much. It had a definite storytelling vibe to it. There were lots of pages I read over and over just because they were so nicely written. LOVED IT!
|Between Shades of Gray
By: Ruta Sepetys
I had the privilege of hearing Ruta speak last year, and she is an amazing speaker. This is a story that needed to be told, you can read my full review here.
|The Knife of Never Letting Go
By: Patrick Ness
This is the first book in the Chaos Walking trilogy, and the series is absolutely amazing. If you are a Hunger Games fan, you must pick this up! I think as a whole, I actually enjoyed this series more, just by a hair.
|A Monster Calls
By: Patrick Ness inspired by Siobhan Dowd
Apparently Patrick Ness is the man. The idea for this book was started by the late Siobhan Dowd, and Patrick Ness picked up where she left off and finished the book. I actually picked it up because I love Siobhan Dowd's books so much. If you haven't read any, you must!
|The Sky is Everywhere
By: Jandy Nelson
This was a gorgeous story about grief and love, and, oh, those Fontaine boys.
By: Tim Tharp
Speaking of favorite authors, add Tim Tharp to that list! I've loved everything I've ever read by him, and this is no exception. This one is about a girl coping with her brother's return from war.
|Dash & Lily's Book of Dares
By: Rachel Cohn and David Levithan
This is a great winter read. It was such a sweet book, and I loved the whole concept. It was on my "to read" list last year, and now that I've actually read it, I can definitely recommend it.
All posts by Alaska | Subscribe to Entries (RSS)


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Changing China
Giant on the move
The earthquake and the Olympics
The tenor of China's Olympic year changed dramatically over the past two weeks.
What had been a building crescendo of celebration and national pride turned into an outpouring of grief and support for the earthquake-hit province of Sichuan.
Wall-to-wall television coverage of the torch relay, a blissful affair once on Chinese soil, gave way to heart-rending reports from the devastated epicentre and uplifting scenes of a nation pulling together to confront disaster.
And though the declared three-day period of national mourning has ended, China will carry its grief into the Olympics.
But if there were any questions about whether Beijing would, bit by bit, shift itself back into gear for the Games, these were put to rest for me the other night on the subway.
As I walked into Fuxingmen station, on the edge of downtown, I came upon a scene of the feverish yet meticulous work that has characterised Beijing's Olympic preparations.
Two dozen high-school boys were running round and round in tight circles through the turnstiles. They were testing the resilience of a new ticketing system. With magnetic swipe cards in hand, they ran, one after the other, through the automatic turnstiles non-stop for nearly half an hour.
The system performed perfectly – and so did the students. Apart from some laughter and joking on the sidelines, the turnstile runners took to their task with determination and earnestness. It was a striking juxtaposition with the thousands of Chinese who have gone to Sichuan to lend a hand to the earthquake relief efforts.
I asked one of the students in the subway station if he was getting paid. "Of course not! We're volunteers," he said. "Everybody has to do their part for the Olympics and for China."
Picture of Olympic countdown board in Beichuan by REUTERS/Bo Bor, Beijing subway map by REUTERS/Jason Lee
The earthquake was like a bomb released for the entire world to stop and ponder and to bring the entire picture into perspective. Many lives were lost…innocent lives.
For me, this has been the most controversial Olympics. There were social issues, political issues, environmental issues, and now this disaster. With the tragedy [and a tragedy looming ("quake lakes")], one has to ask oneself…
"should we push through with the Olympics?"
It's been difficult for me to believe that Beijing was approved as the site for the Olympics in the first place.
My reasons are obvious. Just read the news headlines!
Weren't the specific details of the social, political and environmental issues taken into consideration by the committee? This is the part that is frightening.
Taking everything into account regarding the country of China, it is a total mystery how such a world-wide event would end up here. Just read the news headlines!
I can say that it would be an easy task to put together a "Top Ten" list of why the Olympics should not be held in this Communist country….taking into account, let's say, their unjust and inhumane history of human rights violations.
It's unbelievable that we would send our athletes into harm's way on many different levels…..for what?
Furthermore, it's incredible that we, as lovers of freedom, would not boycott the games.
One thing I did forget to mention.
My heart bleeds for the Chinese people in light of the horrific earthquake and its devastation and death.
By participating in the Beijing Games, we are directly and indirectly supporting their Communist government…as if to say it's alright.
Barbara, Shame on you! While the whole world is talking about helping the Chinese earthquake victims, you are calling for boycott of the Olympic games. Shame!!


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By Bill Kirk
---- — The good people of the Algonquin Avenue neighborhood are not happy with National Grid.
"Power disruptions are annoying at best and damaging at worst," Carl Guild of 14 Algonquin Ave. reported at last week's Board of Selectmen meeting.
Guild represented several neighbors who are not only upset by power outages, but also by the utility company's proposal to dig a trench on their properties to replace an aging, underground power line.
"I don't want to go through this and then in a year or two have them decide that it doesn't work," he said. "We've been through several of these."
National Grid went before selectmen for a public hearing on their proposal to install 2,535 feet of 2- to 4-inch conduits along Algonquin Avenue and 1,215 feet of 2- to 4-inch conduits along Comanche Place, Sioux Circle and Seminole Circle. Electric lines along those streets are buried rather than attached to utility poles, as in most neighborhoods.
A representative for the utility company said during the hearing that the company has been having outage problems in the neighborhood and needed to dig up and replace the so-called primary lines, which carry high voltage to the secondary lines, also known as the service lines that power the houses.
The work will be done along the even side of the streets and will include digging a trench that is 2 1/2 feet wide and 30 inches deep, he said. The cable will be installed in a conduit and then encased in concrete, he said. Underground transformers in the area will be dug up and replaced with above-ground transformers as well.
When asked how long the work would take, he said he wasn't sure but that it would continue until at least spring.
In the meantime, whenever residents can't gain access to their driveway because of the trench, heavy, steel plates will be put down to allow people to get to and from their homes.
The primary conduit, he said, is 4 to 5 feet off the edge of the pavement, meaning the trench will go into lawns that may or may not have fences and other landscaping. He said while the work will impact residents' front yards and shrubbery, he assured that everything would be returned to its original state or better.
Janet Swartz at 22 Algonquin Ave. was concerned about underground sprinkler systems and wondered what plans were being made to make sure they weren't damaged. She also said she has wires in her front yard that help guide a robotic lawn mower that need to be moved before the yard can be dug up.
"We ask that the plans be more accurate so people have an idea if the trench is in their lawn or not," she said.
Guild asked if National Grid had done a cost-benefit analysis of the repairs and whether it was really needed.
"In their street-opening permit, is there an analysis that justifies doing this?" he asked. "Did the town get a quantifiable analysis of the gain? What is the percentage of outages that will be eliminated by replacement of the primary line?"
He added, "Will this fix it?"
Selectmen delayed a vote on the proposal for a month until National Grid could supply answers to the neighbors' questions.


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Hill gets backing as talented prospect (From Bradford Telegraph and Argus)
Get involved: send your pictures, video, news and views by texting TANEWS to 80360, or email
Hill gets backing as talented prospect
4:40pm Thursday 22nd December 2011 in Tennis By Sports Desk
Ilkley prospect George Hill has been identified as a potential champion.
The ten-year-old has been selected to join the Lawn Tennis Association's (LTA) AEGON FutureStars programme.
This highlights the brightest up-and-coming talent in the country following a successful year on court.
Hill, who trains at Ilkley Lawn Tennis & Squash Club, will now receive added support from the LTA.
Another player from the Bradford area who has been chosen is 13-year-old Serena Nash, who trains at Batley ITI (Indoor Tennis Initiative) Tennis Club.
The FutureStars programme recognises and supports some of the best juniors in England based on the individual player's talent ID assessment for players aged ten and under, or rankings for all other age groups.
The talented youngsters have been chosen as part of the 2011-12 intake of players and will be part of a group of 477 top juniors from around the country who all receive varying levels of funding and support from the LTA.
Leon Smith, the LTA head of men's and women's tennis, said: "We are committed to supporting and identifying our most talented players.
"The AEGON FutureStars programme is central to this process for young players who are starting out in the game.
"There's obviously a long way to go for these players. It's a long journey for any player hoping to make an impact on the game but we hope that, with the right support, these players are given the best possible chance of reaching their full potential."
Ian Murray, head of sponsorship at AEGON, added: "We're delighted to continue supporting the LTA with the development of the most talented tennis players in the country.
"The support provided to the players through Team AEGON and AEGON FutureStars programmes is vital to their individual development and we're proud to be investing in the future of British Tennis through these initiatives."


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NEW YORK -- "A guy weighing about 280 pounds walked in here with a loaded gun once," said Marine Corps Recruiter Staff Sgt. Marco Cordero. "He sat down and wouldn't leave," said Cordero. "He kept saying he was 'the real 50 cent,' and that he had to lay low from the cops for a while." So, one of the recruiters from the Armed Forces Recruiting Station in Times Square, N.Y., nonchalantly walked out of the recruiting station and across the street to the police station. As the cops surrounded the station and arrested the gun-brandishing visitor, Cordero couldn't help but think to himself, "...only in New York."
Located in the heart of New York City, the Times Square Armed Forces Recruiting Station never really has a "typical" day. Its location and notoriety make it one of the most interesting duty assignments in the Marine Corps.
Times Square itself is formed by the angle of Broadway intersecting 7th Avenue between West 42nd and 47th Streets, though the name also applies to the general surrounding area. The station sits on a small traffic island between Broadway and 7th Ave., and it has the best view of the chaos that's synonymous with Times Square.
"There isn't a better place to work," said Brooklyn native Gunnery Sgt. Alexander Kitsakos. Kitsakos is a double Centurion (more than 200 enlistees), and he worked on Extended Active Duty as a recruiter in Times Square from 1995 to 1997. "It's the crossroads of the world and the most famous recruiting station in the country."
Marines have represented the Corps in Times Square since the building opened in 1946. The Corps is careful with who they give that responsibility to. "The type of person we put in Times Square has to be positive," said Sgt. Maj. Fenton Reese, Recruiting Station New York. "You have to have one really positive attitude and a great image."
"Image is everything," said Reese. "Recruiters look good anyway -but [for Times Square] we need a razor-sharp Marine who can also deal with the public," he said. "There are people there of all races and nationalities, and it's very fast-paced. We need a Marine who can relate to all of them."
Cordero has represented the Corps for two years. With 1st Marine Corps District's "Recruiter of the Year" title under his belt, he's done his share of relating. "You have to deal with a lot of people here, with a lot of different personalities and backgrounds," said Cordero. "I've learned how to deal with all of them."
The diversity comes from the fact that not all of the applicants are from the immediate surrounding area. "The contracts [from Times Square] come from all over," said Staff Sgt. Amanda Hay, RS New York Marketing and Public Affairs Representative. "There's only been a couple of contracts from Times Square that were actually from midtown Manhattan."
Brooklyn native Pavel Sanchez is one of the many applicants from another borough who traveled to Times Square. "My friend told me about the station...so I decided to come out here," he said. Sanchez enlisted in the Delayed Entry Program in January, and he leaves for boot camp in March.
The Marine Corps isn't the only recruiting presence in the square. The 520-square-feet station is also home to a recruiter from the Army, Navy and Air Force. Each recruiter has one cubicle, which, along with a small bathroom in the back of the station, is about all the station has room for. The station, which the recruiters call "the booth," was renovated in 1998 and rededicated in 1999. For more than fifty years before the rededication, the recruiters didn't even have a bathroom.
"You had to make friends very quickly in order to use the bathroom," said Kitsakos, who left just before the renovation. He and the other recruiters made friends at a nearby theatre, and they would walk down the block to use the restroom there. But, some things never changed. "The recruiters [from all of the services] really worked together," he said. "If one of the recruiters had an applicant come in for anything, another recruiter would help out if the applicant's recruiter wasn't there."
Seven years after Kitsakos worked at the station, Cordero said the teamwork between the services is still the highlight of working there. "What makes this fun is that we all get along," said the Washington Heights, N.Y., native. "If I'm not here and someone walks in to find out more about the Marines, then whoever is here will sit down and talk to him about the Marines."


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From the United States Postal Service
'Tis the season, and for the 237th year the U.S. Postal Service says 365 million packages are expected to be delivered this holiday season — a 20% increase over 2011.
The Postal Service projects the record-breaking increase in its competitive package business due to consumers' growing fondness for shopping online. In total, nearly 18 billion cards, letters and packages will be delivered between Thanksgiving and New Year's Eve.
All Post Offices will be open Christmas Eve, Monday, Dec. 24, and New Year's Eve, Monday, Dec. 31, but some will have shortened retail lobby hours and close at noon. Mail delivery for Dec. 24 and Dec. 31 will be the same as any other Monday.
Revised hours will be posted at each Post Office for Dec. 24 and Dec. 31 hours of operation. Commercial customers should check with their Business Mail Entry Units for Dec. 24 and Dec. 31 hours of operation.
Customers are encouraged to go online to usps.com or call 1-800-ASK-USPS for information about specific Post Offices. In addition, mail should be deposited into blue collection mailboxes before noon for early pickup on Dec. 24 and Dec. 31. Customers requiring postal services later that day are encouraged to contact their local Postmaster.
In observance of the holidays, Post Offices will be closed Tuesday, Dec. 25, and Tuesday, Jan. 1. Only Express Mail will be delivered on Christmas Day and New Year's Day in most major metro areas. Post Offices will resume regular business hours on Wednesday, Dec. 26 and Wednesday, Jan. 2.
The Postal Service receives no tax dollars for operating expenses, and relies on the sale of postage, products and services to fund its operations.
Post offices by zipcode and adjusted hours for Christmas Eve and News Year's Eve
Columbus Main Office - 31907 8:00 am - 3:00 pm
Baker Village - 31903 9:00 am - 1:00 pm
Beallwood - 31904 9:00 am - 1:00 pm
Downtown Station - 319018:00 am - 12:00 pm
Lindsey Creek - 31907 8:30 am - 12:00 pm
Fort Benning - 31905 9:00 a.m - 12:00 pm
Wynnton - 319069:00 am - 12:00 pm
1909 Wynnton Road
Columbus, Ga. 31906
FCC Public File
EEO Report
Closed Captioning


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The free screen-sharing software of LogMeIn's join.me service is now available for all iOS devices. People everywhere can connect their iPhones, iPads, and iPod touches to a remote desktop, and have the ability to view its screen and instant message all others attending the virtual meeting.
Join.me supports up to 250 devices all sharing a single screen. Its uses range from a major company giving employees a visual on an important document, to a computer-savvy relative providing long distance tech support.
The mobile app, like its PC counterpart, is available free of charge. Interested users can find it in the iTunes store.
Join.me was created by the LogMeIn team, who are also responsible for the popular Ignition app. Rather than resting on its laurels with the release of join.me for iOS, LogMeIn promises that it is currently developing an Android version of the app.
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A cosmic time of renewal has arrived on Earth, calling for new stories that can be the foundations of a healthy world where humans are open in their hearts and relaxed in their bodies, free to be dedicated to add beauty to the beauty that already exists.
In his new book, The Time of the Black Jaguar, author Arkan Lushwala shares a mentality – the one carried by Indigenous people since ancient times – that has the power to make possible the conception of such new stories.
Download this free preview of four select chapters and explore:
Author Arkan Lushwala is a teacher and ceremonial leader entrusted with both indigenous Peruvian and Lakota traditions.
He embodies a connection between North and South, indigenous and "modern," that is invaluable for humanity at this time of great change – a connection he invites you to share through this book. Over the past year, Arkan has been a key partner in guiding staff and Board of The Pachamama Alliance in this exploration.