text:
An interactive system that provides real time animated broadcast graphics which are input directly from a mobile device. The input from the mobile devices may include text messages and the like. The broadcast graphics are then output by the system to any kind of display screen, such as a television, stadium screen or a mobile device screen. The broadcast graphics may include real time animation in response to the mobile device input. The real time animated graphics are output in broadcast compatible video feed.
1. A media delivery system comprising:
an input configured to receive a video signal;
at least one data input configured to receive raw data received from a public communications system;
a processor configured to receive said raw data and said video signal and:
filter said raw data according to predetermined instructions,
calculate statistics relating to said filtered data in real time at least over periods
short enough to approximate real time, and
generate a composite signal, having a portion composed of said video signal and a portion comprising a real time graphical representation of at least one of said statistics;
an output configured to provide said composite signal.
This application claims benefit of U.S. Provisional Application No. 60/706,264, filed Aug. 4, 2005, the contents of which are incorporated by reference herein.
1. Field of the Invention
The present invention relates to media delivery, particularly though not solely to dynamic or real time graphic overlays for video signals where the graphic is representative of real time voting.
2. Description of Related Art
It is known in the art to provide statistics via graphic representations for television broadcasts and the like. For example on www.vizrt.com a service is offered including real-time digital graphics, integrated enterprise content management and distribution tools for visual communication. They produce visual content for broadcast graphics, virtual environments and quantitative visualization and information display across networks that are delivered to different media platforms, including television, interactive television, the Internet, and WAP.
On www.yarosa.com a range of SMS games and SMS-TV formats as described.
On www.minick.net a Wireless TV Box may be installed in any TV studio environment and directly generates the TV signal based on a large selection of predefined or custom-built graphical templates.
It is therefore an object of the present invention to provide a media delivery system which goes someway to overcoming any disadvantages in the prior art or which will at least provide the public with a useful choice.
Accordingly the present invention may be broadly said to consist in a media delivery system comprising:
a input configured to receive a video signal;
at least one data input configured to receive raw data received from a public communications system;
a processor configured to receive said raw data and said video signal and:
an output configured to provide said composite signal.
Preferably said representation includes an animation dependant on said statistic.
Preferably said raw data includes voting information.
Preferably said voting information comprises a campaign identifier and a vote or other voter input.
Preferably said raw data comprises text messages from a mobile phone operator.
Preferably said raw data is filtered to remove offence language.
Preferably said raw data is filtered to accept incorrectly formatted data.
Preferably said statistics include a tally of the votes for each campaign.
Preferably said statistics include a trend of the votes for each campaign.
Preferably said representation is also varied semi independently of said statistic.
Preferably said semi independent variation is random or noise generated.
Preferably said composite signal further comprises a portion of advertising graphics.
Preferably said advertising graphics are displayed for predetermined periods.
Preferably said advertising graphics are displayed periodically.
This invention may also be said broadly to consist in the parts, elements and features referred to or indicated in the specification of the application, individually or collectively, and any or all combinations of any two or more of said parts, elements or features, and where specific integers are mentioned herein which have known equivalents in the art to which this invention relates, such known equivalents are deemed to be incorporated herein as if individually set forth.
The invention consists in the foregoing and also envisages constructions of which the following gives examples only.
Preferred forms of the present invention will now be described with reference to
The present invention relates in one embodiment to an interactive system that provides real-time animated broadcast graphics directly from input from mobile devices. As seen in
A participant chooses to interact with a promotion and uses his/her mobile phone or other wireless device to send a message to a specified destination. Participants' wireless provider/Telcos (independently) forward messages to the Aggregator 312, which compiles all messages and forwards them on to the TDH 310 which archives and summarizes all messages, providing results accessible by the TRS 308 which then generates real-time graphics and animations for broadcast. The TRS 308 then provides the Broadcaster (for Television, or on-site Events such as Big-Screens in Stadiums) a video signal of the interactive graphics. Additional interactivity and output mediums include Web pages and cell phone applets.
Example throughput statistics of messages to screen can be described in the following ways for voting:
The chain of events are:
The TV Data Host (TDH) 310 provides the collection and summary from each individual input into a summarized structure format that can be used by the system. The TDH provides the reply messages and responses back to the individual user/participant. One feature to the TDH is the ability to match and categorize input by regular expression e.g. angles 20, ang20, anggels20, angels bob, angbob would all be valid for a single option in a promotion.
Animation of input processing happens in real-time. The TV rendering station (TRS) 308 requests xml input data over a network (internet or private) via the http protocol from the TV data host. The data is requested at subsecond intervals. Animated graphics for broadcast require up to 30 individual frames per second. A feature of the TRS is the ability to create each individual frame from the data, even when not requested from the data host at the frame rate, calculating the change and rendering fill-in frames to provide a smooth animation.
The TRS is the workstation/server that is typically used on site at Broadcaster locations (on site, OB Van, or studios) which actually generates the graphics (fill, key & reference signal) video out to connect to Broadcasters vision mixers and then on subsequently to Big Screen or on-air to TV.
Example Video Out Specifications:
The TRS also features the ability to chain noise filters to the input data to provide animation to stationary data i.e. percentages generated from large amounts of voting does not change at a high enough rate to generate noticeable movement - applying noise filters give the viewer the perception that action is taking place.
Data trend filter
Data noise filter
The TRS has the ability to chain together 1 or more filters on any stream of input data. Each link in the filter chain provides additional �noise� to its' incoming data. For example in
Referring to
In step 501 the message is sent over the mobile phone network to their telco provider. The telco provider recognises the short code and forwards this message to the aggregator.
In step 502 the Aggregator system forwards messages from all telcos to the TDH. These messages can be sent using internet http post, SMPP over internet or private network, SMTP or other networking protocol
In step 503 the TDH system receives the messages and responds to the Aggregator system that it successfully received the message.
In step 504 the TDH system decodes the message into an object that is used for processing. In step 505 the TDH system stores the message into the message received table in the TDH database.
In step 506 the TDH system processes the message and matches it to the correct promotion and the correct option�this is achieved by 507, 512, 514.
In step 507 the system checks to see if the short code is correct by trying to match it against short codes defined in the systems promotion table in the database.
In step 508 the system has not found a matching short code and creates a message using a predefined response message stored in the system. This message is configurable.
In step 509 the message is sent to the Aggregator system. The message can be sent using internet http post, SMPP over internet or private network, SMTP or other networking protocol.
In step 510 the Aggregator system then sends the message to the users telco provider.
In step 511 the telco delivers the message back to the user.
In step 512 the system checks to see if the keyword is correct by trying to match it against keyword regular expressions defined in the systems promotion table in the database. The records it checks against have the correct short code. The system does not require keywords as message options can be sent direct to a short code. This is achieved by defining a regular expression that allows no keyword to be passed.
In step 513 the system has not found a matching keyword and creates a message using a predefined response message stored in the system. This message is configurable.
In step 514 the system checks to see if the option is correct by trying to match it against option regular expressions defined in the systems options table in the database. The records it checks against have the correct short code and keyword.
In step 515 the system has not found a matching option and creates a message using a predefined response message stored in the system. This message is configurable.
In step 516 the system has found a matching option and creates a message using a predefined response message stored in the system. This message is configurable.
Message Receiver
The Message receiver is an ASPX page that receives the details of the SMS that a user has sent. The details of the message will be passed as XML in a URL parameter called �SMS�. The format of this XML can be seen in Appendix A.
The Message Receiver performs the following tasks:
This component takes the details of the message that has been extracted from the XML and processes it.
Implementation: Class Definitions defined inside VB ASPX Pages, as seen in
Promotion Summary XML Generator
This is an ASPX page that queries the �txt_promotion_response� table and displays the aggraded results as an XML document.
Implementation: ASPX Page and stored procedure
This table holds the raw details of the SMS that has been received from mobileway.
There is an entry in this table for each promotion (each keyword)
There is an entry in this table for each option for a promotion. E.g. A promotion/poll vote for your favorite fish might have the options
Each time a user successful enters a vote it is recorded in this table.
Queries are precompiled leading to faster execution time
A change to the database table structure is less likely to result in a change to the code as the stored procedure can be modified instead. For example a table name changes
Queries can easily be reviewed by a DBA without having to trawl through code
This stored procedure returns the number of votes for each option and the percent of votes that have been made for an option. Using a stored procedure means that if it is decided that this summary information will be pre generated and stored in a summary table no changes to the code will be required.
An index has been added on the txt_promotion_response table as it halves the response time of the query that generates summary information.
Before adding index on txt_promotion_response.promotion_option_id
After adding index on txt_promotion_response.promotion_option_id
The propositions (i.e. who you want to vote for) are presented on Television. Mobile device users might send their vote via sms to participate in an interactive Television broadcast. The votes can be summarized and displayed using bars, pie, histograms etc. These graphs could be mixed into the Television Broadcast.
Example: Sports Broadcast Enhancement
The proposition could be delivered by either the commentators or position screen�e.g. Which pitcher would you least like to face? Player A, Player B or Player C. Text A, B or C to 123456 (short code)
During the broadcast the results are displayed on screen mixed with the actual broadcast. In
Example: Political Poll
The political poll is a broadcast enhancement to a political debate. Mobile device users interact by sending sms messages to a short code agreeing or disagreeing to political propositions presented at different times by the broadcaster.
The �Head to Head� format provides a 3D representation of each candidate, or representative of. Each 3D representation is animated in real-time driven from the interaction from the mobile device users. For example a 3D characterization of a candidate will smile while users are agreeing, the opposing 3D character will be frowning.
The animated graphics are provided in a lower 3rd graphic to be mixed into the political broadcast.
Geographic Mapping
Mobile device users will send a geographic code with their vote/poll by using either their state (e.g. Calif.) or zip code or other. Alternatively the location could be determined either by the mobile phone number or supplied by the provider. Real-time animated graphics are generated by geographical area. This will display results by geographic region.
TXT Messages to Screen
A further embodiment of the present invention is ticker/scroller displaying received txt messages directing on the graphic. For example with an average sized font running at an easily readable speed could display up to 375 average length messages per hour. This also means that 375 times an hour you would have a logo/bullet between each scrolling message. The speed, look and feel can be modified and add multiple tickers/scrollers if necessary or desirable. The capacity will increase if you increase the scrolling speed of the messages.
Referring to
The messages received are delivered in response to the TRS sending an HTTP request to the TDH. This request uses URL parameters to determine the start message number, the number of messages to return and the promotion code.
Each message in the TDH has a unique number associated with it. This number is auto incremented for each message as the TDH receives it.
Each message has the following information associated with it;
Message id: the unique message number
Date Time sent: The date and time the message was sent from the mobile
Msisdn: The msisdn that sent the message.
Text: The text that was sent by the mobile device user.
In step 401 the system breaks down the list of messages received to each message. Each message is stored in the database on the TRS in the pending message table.
Each message is identified as a new message i.e. one that has had no processing on it.
In step 402 the system checks each messages msisdn against a black list. A black list is a list of msisdns that are blocked i.e. not able to participate in the promotion.
In step 403 if an incoming message is from a black listed msisdn, then the message is flagged as trashed because of blacklisting and is updated in the pending message table within the database. Trashed messages are never available to be used in the system.
In step 404 the system checks for words that are offensive. The system uses a list stored in the systems database of offensive words.
In step 405 the system checks for phrases that are offensive. The system uses a list stored in the systems database of offensive phrases.
In step 406 the system decides whether the message has passed the offensive language check.
In step 407 if an incoming message is from a black listed msisdn, then the message is flagged as trashed because of offensive language by the system and is moved into the processed message table. Trashed messages are never available to be used in the system.
In step 408 the system then either adds the msisdn to the blacklist in a pending state or increments a bad message counter against the msisdn since it has been previously added.
In step 409 the system checks if the pending blacklist msisdn, that has had its bad message counter incremented (in 408), has exceeded the bad message limit. The bad message limit is defined as a system parameter, and can be configured to be any number.
In step 410 the system flags the pending blacklist msisdn as blocked in the database.
In step 411 the system checks for words or phrases that are similar or contain offensive language within the text of the message e.g. if �ass� was in the offensive wordlist then �class� would be treated as suspect.
In step 412 the system flags the pending message as suspect and updates the pending message table in the database.
In step 413 the system lists all pending messages on the operators console via the systems GUI. Messages flagged as suspect are highlighted to ensure the operator notices suspect messages.
The operator manually moderates the messages. The operator must either approve or trash each message.
In step 414 the system processes the operators input and checks if the message was trashed.
In step 415 the message is moved into the processed message table in the database and is flagged as operator trashed. The system also records against the message which operator trashed the message and the time it was trashed.
In step 416 the system moves the message into the processed message table in the database and is flagged as approved. The system also records against the message which operator approved the message and the time it was approved.
In step 417 the system gets x approved messages from the processed message table within the database. Where x is a system configurable parameter.
In step 418 the system gets y promotional messages from the promotional message table within the database. Where y is a system configurable parameter.
The promotional message table contains predefined messages that are used for promotional messages. This table is maintained by the operator through the system's GUI. Promotional messages can contain messages from a sponsor, promoter or used by stadium personnel as a silent PA e.g. �would the parents of John Doe aged 7 please report to the stadium management desk�.
In step 419 the system mixes the x and y messages into a combined list of messages.
In step 420 the system gets a message template from the database that defines the look and feel of how the messages will be displayed i.e. the size, font, color, background etc.
The templates are defined per promotion by the operator. These templates are stored in the database.
In step 421 the system looks for emoticons that a user can place in their message to enhance the presentation of their message. Examples of text emoticons are: :) ;) :( : {).
The system identifies emoticons by looking for text within the message that matches text from a list of predefined text emoticons stored in the emoticons table within the database.
If the system finds an emoticon match it breaks the text of the message at the point of the emoticon, renders each piece of text using the template. The text emoticon is replaced by a graphic defined by location and name within the emoticons table. The system then reassembles the message as a rendered graphic, including the emoticon graphic.
In step 422 the rendered messages are then assembled together by the system separated by promotional graphics. The promotional graphics are stored in the database and are weighted. The weighting provides the system with a method of displaying a particular graphic more often than another.
The system can be configured to display certain graphics at certain times or message intervals or randomly picked from a list. Graphics picked randomly will favor graphics with a higher weighting.
In step 423 the final rendered messages graphic is then output to the broadcast mixer to be over laid onto their broadcast (a), for example placed as a lower third (b) in
Graphic Shape
Copy & Instructional Text
Dynamic Voting Elements
Dynamic Message Ticker/Scroller
Sponsor Logos
Other Decorative Graphical Elements
Background Elements
Still images with or without transparency
Looping Animations or Animated sequences�to be used to create a shimmering effect or interesting background effect but also to be used to animate Copy & Instructional Text as well when screen space is limited�NOTE: these are looping animations which are pre-rendered and timing is always pre-determined and not changeable during the event
Dynamic Data Driven Elements�can have feeds attached to them to determine what data is displayed. They can also have data filters attached to the feeds to modify the Data as it comes in�e.g. Smooth Animation Interpolation, Trend Analysis, Noise, or Exaggeration
TXT messages to screen for the ticker/scroller can include an Approval/Filtering System which has features such as:
Referenced by
Legal Events
Original Image


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Pittsburgh, PA (Sports Network) - Down to their final out in the ninth, the San Diego Padres rallied for two runs and held off the Pittsburgh Pirates in the bottom half of the inning for a 3-2 win to take the first three games of this four-game series.
Mark Melancon (2-2), who had converted nine straight saves entering Wednesday's clash, took the hill in the top of the ninth in relief of Charlie Morton, who struck out a career-high nine batters over eight innings of work. Melancon surrendered singles to Jedd Gyorko and Chris Denorfia and with two outs, served up a single to right off the bat of pinch-hitter Logan Forsythe, tying the game.
Rene Rivera then stepped up and blooped a single down the right field line for the go-ahead run.
"In the ninth, we put together some at-bats," said San Diego manager Bud Black. "They looked for a couple pitches out over the plate, didn't try to do too much. We hit them in good spots."
Huston Street pitched a perfect ninth for his 31st save of the year. Dale Thayer (3-5) came on with one out in the eighth to earn the win.
Morton, who was in line for the win, yielded just a pair of hits and three walks while his counterpart Tyson Ross went seven strong frames for San Diego, getting reached for two runs while striking out seven.
"Great win," said Black. "Tyson pitched great. He didn't deserve to lose that game, so it's fitting that he didn't. A lot of players contributed there in the end, it was great."
The Pirates remain on top of the National League wild card but fall 2 games behind the Central leading Cardinals, who defeated the Rockies.
"When you're up, you try not to get to high, you enjoy the moment," said Pirates manager Clint Hurdle. "When things don't work your way, you gotta be steadfast and keep plowing."
Morton held San Diego hitless through 3 1/3 innings before the Padres broke through for a run in the top of the fourth. Gyorko walked with one out and moved to third on Chase Headley's infield single, which deflected into right field off of Justin Morneau's diving glove. Tommy Medica then grounded sharply to third to plate Gyorko on the fielder's choice.
Neil Walker reached on a strike out and wild pitch with one out in the seventh, giving the Pirates their first baserunner off Ross since the second inning. Andrew McCutchen followed with his 20th home run of the season, a two- run shot to right-center which put the Pirates up 2-1.
Andrew Cashner, who tossed a one-hitter against Pirates two nights ago, pinch-
ran for Gyorko in the ninth and scored the eventual game-winning run ... The
Pirates fall to 10-31 against San Diego at PNC Park since 2001 ... McCutchen
has three straight 20-homer seasons, the second player in franchise history to
accomplish such a feat ... Morneau had two of Pittsburgh's three hits.
Alabama, Oregon, Florida State and Mississippi State are all still seated at the head of the table in the latest College Football Playoff rankings.
Kasey Kahne will continue to drive for Hendrick Motorsports through the 2018 Sprint Cup season, signing a three-year contract extension on Thursday.
The Washington Redskins will bench Robert Griffin III and start Colt McCoy at quarterback for Sunday's upcoming game against the Indianapolis Colts, according to a report by NFL.com.
The Boston Red Sox signed star free agents Hanley Ramirez and Pablo Sandoval to multi-year contracts Tuesday, announcing the deals separately in the span of about 5 1/2 hours.
You probably know that the two NBA teams with 12 wins are the Memphis Grizzlies and Toronto Raptors.
At first glance, the San Jose Sharks appear to be a mildly disappointing team this season, but the club's record doesn't tell the whole story.

subset: commoncrawl


text:
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Back in December 1941 the Japanese diplomats posted in Washington were taken into custody and sent under armed guard to a posh resort in Virginia's Allegheny mountains. Three hundred eighty Japanese, including the ambassador, were interned in relative luxury the Homestead Hotel until April when they were exchanged for the U.S. diplomats who were in Japan at the time of Pearl Harbor.
As anyone who visits the Homestead knows, there is a certain timeless quality about the place. The creak of the wide screen doors opening onto the Long Veranda with its row of white rocking chairs, the smell of the oak logs burning in the fireplace; the tinkle of teacups as waiters serve afternoon refreshments in the lobby. Those things, as well as the bracing mountain air around hot springs, one imagines, probably are unchanged since the main hotel building went up in 1902.Times, of course, do change, and nothing reflects that better than the rather triumphant return of the Japanese to the Homestead this week. Roles weren't exactly reversed, but the Japanese seemed to be in the driver's seat. The subject was investment capital and scores of state government officials were hoping they could pry some cash out of Japanese wallets made fatter by a rapidly appreciating yen. One Virginia old timer said the Japanese returned as industrial conquerors.
Nearly 100 top Japanese leaders, including 40 CEOs and Ambassador Nabuo Matsunaga, five state governors and over 600 U.S. business leaders attended the Oct. 13-14 meeting of the Southeast United States/Japan Association. In between rounds of golf and some exuberant wining and dining, the main business was luring Japanese private investment - and with it jobs - to the seven Southeast states.
This was the 11th annual meeting of the association, and certainly the region's early start in cultivating the Japanese helps to explain why so much Japanese money has recently been flowing into Tennessee, Georgia, the Carolina's and now Virginia. The Southeast is second only to California in winning Japanese direct investment, and has attracted nearly 30 percent of the $19 billion the Japanese have put into the U.S. market.
Within the Southeast, Tennessee is the clear winner thus far. Governor Lamar Alexander has courted the Japanese during nine trips to Tokyo in the past seven years. He boasts that during his term as governor he has spent more time in Tokyo than he has in Washington. His major prize is the $600 million Nissan truck and car plant south of Nashville.
But Tennessee altogether has gained 7,500 jobs from investments worth over $1.2 billion from 42 Japanese companies. Tennessee international marketing director Louis Lockhart says theSoutheast is moving ahead in the investment sweepstakes because of several major pluses - a pro-business environment, a strong work ethic, a moderate tax burden, lower labor cost and proximity to markets. He notes that the shift of population to the sun belt puts 76 percent of the U.S. market within a day's surface journey of Tennessee. Mr. Lockhart says his state gains by linking its recruiting efforts to those of the southeast region.
Atlanta, true to its tradition, is ahead in the Southeast in winning Japanese banking and transportation firms. New one-stop air service from Atlanta to Tokyo is bound to boost the region as a whole.
Virginia, after a slow start, is coming up fast and has attracted 18 Japanese investments. The state organized a familiarization bus tour for 17 Japanese executives as a curtain raiser to the meeting at the Homestead. Among the participants was the CEO of Canon, which is building a stronger copier facility in Newport News. Newly elected Gov. Gerald Baliles, the host at the Homestead, will soon be making his first visit to Japan. Japanese officials of the Southeast U.S. Association say the stronger yen has made the United States much more attractive to Japanese investors.
The Japanese, by all accounts, enjoyed their 1986 stay at the Homestead. For Yoshio Katagiri, a top executive of C. Itoh, the visit closed a circle. Having been assigned to Washington as a junior official in the finance ministry in 1941, he was among the Japanese interned at the Homestead. He said except for the new addition, nothing much had changed, and that the service was of the same high standard he remembered from 44 years ago.


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Taco bar (taquiza?) catering via To-Go
I ask the collective wisdom of Chowhound-SD for help. Trying to put together a small celebratory party and looking to buy the full spread for tacos. The event is kind of last minute and the hosts can't afford to get a regular catering deal (like Tacos & Gorditas, and most places have a 50 person minimum) so we are looking for something we can pickup and take to the event (calling ahead 1-2 days is fine).
I know Pancho Villa and Northgate have familia orders (usually for about 7 people) but we have 20-25 people so are looking for something larger. If they package them in the disposable trays that would be best. My espanol is terrible, so a place that can handle english would be very helpful. Any suggestions?
You can try Porkyland in La Jolla. They speak pretty good English at PV and Northgate, don't let that stop you from trying.
What part of town?
Vallarta in National City and Escondido
Pancho Villa -order 4 Familia meals
Northgate is everywhere.
Kaelins Mi Pueblo in East County
re: MrKrispy
If you went to Northgate they seem to have multiple kinds of meat prepared by the lb. They usually have fish ceviche for about $5/lb or various seafood aquachiles and ceviches up to about 7.99/lb. You could easily get 10lbs of various ones without calling ahead.
I have bought 25 tamales without calling ahead.
They have full size disposable serving trays to pack large orders.
I think you could walk in and get food for 25 but you may need some flexibility about what you get
How 'bout having the La Fachada truck make a visit? I've had friends do this, with great results. Your numbers warrant the entire menu. Though I've considered having them visit my house for a solo meal, so...
So far it is looking like we are going to Pancho Villa for several family orders (which we have bought before).
currently, 2# of meat, 2# each of rice and beans, 20 tortillas, and salsa for $23. They asked to order the day before if ordering several.
I may swing by Northgate and also get a few pounds of carnitas and something else. Hoping to find prepared nopales also.
re: MrKrispy
Just 20 tortillas?? Typo, of course.
Multiple family orders sounds like a good plan.


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Monthly Horoscope For Capricorn (or Capricorn Rising)
by Terry Nazon
Get Names, Dates, Times, & Places ! ™
The Astrology Revolution ! ™
November 2014
<< Previous Month
Capricorn: Dec. 22-Jan. 21): As your astrology horoscope for the month of November begins Capricorn, Mars the planet of action and aggression is in the sign of its exaltation Capricorn. Mars takes two years to transit around the zodiac so it was two years ago that Mars was in your Sun sign. How far have you gotten since then? Exaltation is an ancient point of Planetary Dignities still in use today. They are as follows:
· The Sun: 19° Aries
· The Moon: 3° Taurus
· Mercury: 15° Virgo
· Venus: 27° Pisces
· Mars: 28° Capricorn
· Jupiter: 15° Cancer
· Saturn: 21° Libra
Check your natal birth chart for planets, asteroids and house cusps at any of these planets in exalted degrees, it's where you stand out or have special talents.
Mars in Capricorn is out of bounds until Nov. 20th, which means we get to think outside the box, be original, test the waters, and take career and job risks we don't normally take. It's also important to note that Mars is a planet of war and aggression. While it's out of bounds there have been rocket ship explosions, and unprecedented violence. The planet Saturn ruler over the sign of Capricorn is in new degrees in the sign of Scorpio and this makes the month of November unique in that Saturn will not retrograde or repeat any of November's degrees. It's an opportunity to get as much done as possible and to do things right. Take chances, and dream big. The planet of communications and thinking, Mercury comes out of its shadow this month after it's retrograde period on Nov. 10th. This sets a tone for most of us not bent on negative destruction November to move in new directions. Capricorn is pushed or inspired to go in a new direction and try something new all just to give them the edge or help them shine bigger and brighter than others.
The Full Moon on Nov.06 in the fixed sign of Taurus at 14°28' at 5:23 pm EST. Each Full Moon is a culmination of the last New Moon cycle and concludes things. They can be emotional and romantic. In your solar sector of love, romance, creativity, hobbies and children the Full Moon in this fixed sign is all about money, comfort and pleasure.
Just as Mercury moves out of its Shadow in the deep thinking and intense sign of Scorpio on Nov.10, the planet of action Mars in Capricorn conjoins Pluto in hard working persistent Capricorn at 11°. This is important, as Mars and Pluto together pack tremendous amounts of energy, not to mention this combination of planets is suggestive and super sensual or sometimes lewd. Given the upcoming Uranus-Pluto square on Dec.15th Mars could be instigating Pluto to do something. Communications with friends, VIPs, mentors and helpful people open. Even though there could be new directions and new projects friends, mentors and helpful people bring new ideas to you, ones that can make more. Someone could make you a proposal that you can't refuse. Right after Mars in Capricorn conjoins mighty Pluto, Mars squares rebellious and erratic Uranus RX in Aries 13°. Not for the faint of heart! By now you are used to the energy of Pluto which bestows upon you lots of energy and stick to it ness. Mars could have you going too far so bear that in mind.
It's all about serious commitment with Venus in Scorpio conjunct the planet of lessons and karma, Saturn in Scorpio 25°, a past love and you could reconnect and this time it's for keeps. Old friends find you and money comes from your career and profession.
The planet of inspiration, compassion and universal love Neptune goes Direct in Pisces and secrets are reveled!
The planet of love Venus enters freedom and fun loving Sagittarius your solar 12th house of behind the scenes activities, travel, spirituality, and uncanny good fortune. Get ready for more outdoor activity. You could also be burning the midnight oil in preparation for a project or event.
As the Sun enters Sagittarius, it's the New Moon in Sagittarius 0°07'. The New Moon starts a new cycle of activity and circumstances in your life. The Sun sheds light on your most private area. Meditation and not having anything to hide gets you through.
Happy Thanksgiving Day it falls on Thursday Nov.27. this year!
As the planet of communications, short trips and outdoor activities Mercury enters glib Sagittarius on Nov.27 the 1st Qtr. Moon in Aquarius is Perigee (the closest point to the Earth). Unexpected funds, and gifts make life worthwhile.
November 2014
Nov.01 All Saint's Day
Nov.01 Mercury in Libra sextile Jupiter in Leo
Nov.01 Venus in Scorpio sextile Pluto in Capricorn
Nov.01 Mars in Capricorn sextile Neptune RX in Pisces 4°
Nov.02 Helio Mercury enters Leo
Nov.02 Waxing Moon in Pisces in Perigee (closest to the Earth)
Nov.03 Venus in Scorpio trine Chiron in Pisces
Nov.03 Venus in Scorpio inconjunct Uranus RX in Aries 13°
Nov.03 Sun in Scorpio sextile Pluto in Capricorn
Nov.04 Election Day get out and Vote!
Nov.05 Sun in Scorpio trine Chiron RX in Pisces 13°
Nov.05 Sun in Scorpio inconjunct Uranus RX in Aries 13°
Nov.06 The Full Moon in Taurus 14°28' 5:23 pm EST You'll want to check your natal birth chart for planets, asteroids and house cusps at 14° to see what kind of message is ahead for you.
Nov.07 Helio Mercury enters Virgo
Nov.08 Mercury re-enters Scorpio 1st entered Scorpio Sept. 27th
Nov.09 Venus in Scorpio square Jupiter in Leo 21°
Nov.10 Mercury in Scorpio out of its shadow
Nov.10 Mars in Capricorn conjunct Pluto in Capricorn 11°
Nov.11 Veterans Day
Nov.11 Mercury in Scorpio trine Neptune RX in Pisces 4°
Nov.12 Mars in Capricorn sextile Chiron RX in Pisces 13°
Nov.12 Venus in Scorpio conjunct Saturn in Scorpio 25°
Nov.12 Mars in Capricorn square Uranus RX in Aries 13°
Nov.12 Helio Venus enters Sagittarius
Nov.13 Sun in Scorpio square Jupiter in Leo 21°
Nov.14 Helio Mercury enters Libra
Nov.15 Neptune in Pisces goes Direct Pacific time You'll want to check your natal birth chart for planets, asteroids and house cusps at 4° to see what kind of message is ahead for you.
Nov.16 Neptune in Pisces goes Direct Eastern Time You'll want to check your natal birth chart for planets, asteroids and house cusps at 4° to see what kind of message is ahead for you.
Nov.16 Mercury in Scorpio sextile Pluto in Capricorn
Nov.16 Venus enters Sagittarius
Nov.17 Mercury in Scorpio inconjunct Uranus RX in Aries 13°
Nov.17 Mercury in Scorpio trine Chiron RX in Pisces 13°
Nov.18 Sun in Scorpio conjunct Saturn in Scorpio 25° You'll want to check your natal birth chart for planets, asteroids and house cusps at 25° to see what kind of message is ahead for you.
Nov.20 Venus in Sagittarius square Neptune in Pisces 4°
Nov.21 Mercury in Scorpio sextile Mars in Capricorn
Nov.22 Sun enters Sagittarius
Nov.22 The New Moon in Sagittarius 0°07' You'll want to check your natal birth chart for planets, asteroids and house cusps at 0° to see what kind of message is ahead for you.
Nov.23 Mercury in Scorpio square Jupiter 22°
Nov.23 Helio Mercury enters Scorpio
Nov.23 Chiron Direct in Pisces 12°
Nov.24 Mars in Capricorn inconjunct Jupiter in Leo 22°
Nov.25 Mercury in Scorpio conjunct Saturn in Scorpio 26°
Nov.26 Venus in Sagittarius trine Uranus RX in Aries 12°
Nov.26 Sun in Sagittarius square Neptune in Pisces 4°
Nov.26 Venus in Sagittarius square Chiron 12°
Nov.27 Happy Thanksgiving Day
Nov.27 1st Qtr. Moon in Aquarius Perigee (closest point to the Earth)
Nov.27 Mercury enters Sagittarius
Nov.30 Mercury in Sagittarius square Neptune in Pisces 4°
They Say that Astrologers are born not made; meaning you are born an astrologer through many either incarnations or not. Astrology is not easy; I work hard at it constantly in an effort to translate this universal language into easy to understand terms that everyone can understand. So remember, when you require more details and effortless timing, only a real astrologer can put it all together for you; I am only a phone consultation or email reading away. You can listen to my Daily Horoscopes exclusively on iheartradio .
Remember horoscopes can never replace a real consultation with me! The exact degrees and aspects of your Natal Birth Chart which is available here for free, will determine how you will be affected by the transits! Call Now 954-473-0720 to speak to Terry directly, all consultations are pre-paid and by appointment!
The 12 Houses - Click on the links below to read each house's description that influence your horoscope
1st House - 2nd House - 3rd House - 4th House - 5th House - 6th House -
7th House - 8th House - 9th House - 10th House - 11th House - 12th House
The Planets - Click each planet to find out more about it's meaning and their influence on your horoscope
The Sun - The Moon - Mercury - Venus - Mars - Jupiter - Saturn - Uranus
Neptune - Pluto - Chiron -Fixed Stars- Asteroids - The North Node - The South Node
Click Here for more Astrology Accessories™ Astrological Aspects


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Portable Document Format (PDF) is a file format used to represent documents in a manner independent of application software, hardware, and operating systems
Over the knee skirt
burda style magazine patterns FAQ
Lightweight skirt fabrics with some body, with or without elastane.
145 cm (57 in) wide fine gabardine: 0.70 – 0.70 – 0.70 – 0.75 – 0.75 m (7/8 yd). ¬Vilene/Pellon G 785. 1 zip, 15 cm (6 ins) long. 2 hammer-on snap ¬fas¬teners. 1 flat inside button.
Note: See style 127 for the total fab¬ric required to make both the ski
This pattern doesn't include seam allowance
Produced by burda style magazine
Backstage Report
Our fabulous BurdaStylers of course! Today, save 30% Site-Wide With Code ThankYou14!
Editors' Pick
Satin takes the stage in this new collection of dresses, skirts, and fluttery tops.
Find out more about our three fabulous courses starting this week!
Backstage Report
Choose from one of 5 popular dresses.
Member Project of the Week
Kick off party dress season with this cute greenery covered dress.
You must allow our "request for permission" request to login to Burdastyle with Facebook.


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Im a massive geek but i mainly use steam.
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0 comments by Hardzle on Oct 25th, 2013
I dont use Desura much
If you want to play with me add me using the links below!
Just add me using my name :D
My name is DahProGuY . Say hi if you see me!
I normaly use Hardzle as my username for everything so if you want to add me on other things search for that username and you might just find me :D
No one is friends with Hardzle awww. You should invite your mates to the site, or make new ones.


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Amid Blizzard, NFL Moves Jets-Bills To Ford Field Royals Owner Shares Offseason Insights Double-A Missions Unveil New Logos, Uniforms Cuomo: "Impractical" To Play Game In Buffalo With Stanton Deal, Loria Gets Chance To Reboot Vikings Ready To Move On Without Peterson Yanks Expect Good Ticket Sales, Exceed Luxury Tax Falcons To Start Selling PSLs In Early '15 Leafs Execs Criticized For Poor On-Ice Results MLS Atlanta President Gives First Interview
Upcoming Conferences and Events
Dec 2-3
Dec 10-11
Apr 8-9
Apr 9
May 20
SBD/October 21, 2013/Franchises
Franchise Notes
Published October 21, 2013
HOT SEAT: In Philadelphia, Sam Carchidi noted the Flyers are 1-7 with a total of 11 goals, and asked if Flyers GM Paul Holmgren is "next" to be fired after the team dismissed coach Peter Laviolette three games into the season. Team President & COO Peter Luukko said that the answer is "no." Luukko said that Holmgren's job is "not in jeopardy, that the team just needs time to adjust to new coach Craig Berube's system." Carchidi noted Flyers fans are "angry -- not just because the team isn't winning and isn't entertaining, but because of a lack of a 60-minute commitment" (PHILADELPHIA INQUIRER, 10/20).
SABRES SHEATHED: In Buffalo, John Vogl noted the Sabres for several years "have been hosting 'Road Crew' parties during select out-of-town trips." Former players and team broadcasters "head to a bar or restaurant, and fans can hang out with them for a $10 donation to the Sabres' foundation." The next two were "supposed to be" in San Jose and L.A. early next month, but "one big problem developed: Only a few dozen people planned to show up." The Sabres "looked at the lackluster sales and canceled the events." It is "not clear whether they picked cities that are short on Buffalo fans, or if few people want to party with an organization that's not fun at the moment" (BUFFALO NEWS, 10/20).


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Man Shot To Death During Argument In Charlotte
Charlotte-Mecklenburg police have charged a man with murder in the shooting death of another man during an argument.
Suspect Arrested After Shooting Teen In Steele Creek
CMPD officers and medics were dispatched to the 7-Eleven in Southwest Charlotte amid reports of a shooting. The 7-Eleven is located at the intersection of Rivergate and South Tryon, in Steele Creek. The call for […]
CMPD Officers, 10-Year-Old Girl Shot
CHARLOTTE, N.C. (AP) — A Charlotte man is in police custody after a young girl and two officers responding to a report of a domestic shooting were wounded. Charlotte-Mecklenburg police said a woman called 911 […]
Teen Arrested After Pointing Laser At CMPD Helicopter
A teenager is in jail this morning and is accused of pointing a laser at a Charlotte-Mecklenburg police helicopter.
CMPD Officer, Wife Accused Of Sex Crimes Against Minor
CMPD Officer Reginald K. Harris and his wife have been arrested and are accused of sexually assaulting a family member.
CMPD Officer Dragged By Vehicle During Traffic Stop
The Charlotte Mecklenburg police department arrested five people this afternoon after one of their own was assaulted during a traffic stop.
NC Man Wounded During Buddhist Temple Opening
Charlotte police are still trying to figure out who fired a shot that struck and injured a man selling food during a festival for the opening of a Cambodian Buddhist Temple last weekend.
Charlotte Mom, Boyfriend Charged In 3-Year-Old's Beating
Authorities say a Charlotte woman and her boyfriend face charges after her 3-year-old son was hospitalized following what police say was a beating.
CMPD: Man Shoots And Kills Would-Be Robber
CHARLOTTE, N.C. (AP) — Charlotte-Mecklenburg police say a man has shot and killed a man who tried to rob him. Police say 22-year-old Darlanski Lamar Sherrill died Monday night a short time after an alleged […]
Woman Crashes Car Into Charlotte Home After Running Over Boyfriend
CHARLOTTE, N.C., (CBS Charlotte) — Charlotte-Mecklenburg police officers and medics were dispatched to a Charlotte home Wednesday night amid reports of a man being run over. Upon arrival, officers found a man near the scene […]


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Alexander County Family YMCA
The Alexander County Family YMCA is a state-of-the-art facility conveniently located near downtown Taylorsville. The Y offers great group exercise programs, a comprehensive wellness center, as well as a wide range of youth development programs.
Click here to check out our Program Guide
Hours of Operation:
Mon – Thurs: 5:00am – 9:00pm
Child Watch Hours:
Ages: 6 wks – 11 years
Monday – Thursday: 9am-1pm; 4-8pm
Address & Phone
260 Black Oak Ridge Road
Phone: (828) 632-9699
Body Revival
I can do all things through Christ which strengthens me. Philippians 4:13
Do you need your Spirit lifted and your body revived? Do you want to be spiritually fit while getting physically fit?
Body Revival is a program that combines faith and fitness that will enhance your faith and transform your health. You will move to uplifting praise worship music and leave feeling energized!
Come and join the fun while praising and sweating in the Spirit. Workout and worship as a family.
Combine your desire to get healthy with the Power of your Faith for the complete BODY REVIVAL you've been waiting for. Come praise your way through to a more complete you!
Mondays at 12:15pm and 4:15pm
Studio A/B
Free to members, $5 for potential members
123 Go Play AC
The Alexander Family YMCA is proud to be a part of 123 Go Play AC, a coalition group made up of local community volunteers. Our goal is to keep kids healthy through exercise and nutrition. Click here for more information or check out the video.
Share Your Thoughts
Now Accepting YMCA Secret Shoppers
We value you as a member and always welcome your feedback. Become a YMCA Secret Shopper to evaluate our facilities and help us continue to improve as an organization so we can deliver the very best member service possible.
If you're interested in participating, please contact the Welcome Center for more information or apply at strategicreflections.com. You'll work directly with Strategic Reflections, Inc., an independent customer research firm, to conduct "mystery shops" and receive compensation for evaluating the quality of your member experience at a YMCA branch in your area.
See the membership desk with any questions.
Group Exercise Classes
Classes are open to all exercise levels, with alternative movements offered for different skill levels to maximize your personal workout. Our instructors are happy to give additional guidance to beginners. Just introduce yourself before class! Minimum age is 12 years (with a parent).
View our Group Exercise schedules.


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Chatty Twitch Highlights 40: Battlefield 4, Mordor, and Sunset Overdrive multiplayer
This week's Twitch highlights start with a Shackbattle and ends with multiplayer of a different sort.READ MORE >
Chatty Twitch Highlights 39: Sunset Overdrive, Battlefield 4, and more
It's a special edition of the Twitch roundup, where we take a look at next week's Sunset Overdrive and help determine whether this Xbox One exclusive is worth the hype. Also,READ MORE >
"It wouldn't surprise me if it said Battlefield 4, every time I go to Twitch I seem to be logged ..."see all 4 comments
Sunset Overdrive gameplay preview livestream is a go! [Update: It's done!]
Our Sunset Overdrive livestream has just started, so sit back and watch us go completely nuts in the game for the next few hours.READ MORE >
"Good news! The video was archived, so you can watch it when you have time."see all 11 comments
Chatty Twitch Highlights 38: Alien: Isolation and a great big convoy
The Xenomorph doesn't mess around, as Sapiens finds out that you can't escape by running around a table like in cartoons. Plus, this week's Battlefield 4 Shackbattle and the continuing travels of the Shack Convoy.READ MORE >
"Alien is an amazing experience. It is spread into tense and then relaxed moments just like ..."see all 8 comments
Chatty Twitch Highlights 37: Learning Elite: Dangerous and more
This week's highlights see sergeon learning how to Elite: Dangerous, while Chatty gets together to hit Battlefield 4 and Euro Truck Simulator. They're doing it for the children.READ MORE >
"This is like an Elite:Dangerous quick look and an occulus rift quick look mashed into one"see all 3 comments
Chatty Twitch Highlights 36: Gauntlet and more
In addition to the weekly Shackbattle, we take a look at some footage from the new Gauntlet, thanks to pixelat3d.READ MORE >
"I like these posts, keep them coming. I don't have time to watch entire Twitch streams, so it's ..."see all 4 comments
Shacknews Live: Hyrule Warriors
The gang marathons their way through Hyrule Warriors, downing so very many scrubs along the way.READ MORE >
Chatty Twitch Highlights 35: Quake Live and more
This week's Twitch roundup captures the weekly Battlefield Bad Company 2 Shackbattle, orangepylon's descent into madness with Left 4 Dead 2, and dael trying out Quake Live!READ MORE >
"tried to play tdm quake live but it seemed like every server I joined you got to start out with ..."see all 8 comments
Chatty Twitch Highlights 34: The Destiny edition
This week, we celebrate with three Destiny streams and a couple of streams that are NOT Destiny, namely dael's XCOM Enemy Within playthrough and this week's Battlefield: Bad Company 2 Shackbattle.READ MORE >
Shacknews Live: DayZ
Rumpo attempts to survive the harrowing world of DayZ.READ MORE >
"Yeah that should be a default for all shack streams because most of us chatty users anyway are ..."see all 24 comments
Shacknews Live: Final Fantasy X
For this Throwback Thursday edition of our Shacknews streams, we venture back to Final Fantasy X!READ MORE >
Chatty Twitch Highlights 33: World of Tanks, Team Fortress 2, and more
We gear up for fall with some highlights from World of Tanks, Team Fortress 2, and the latest Battlefield: Bad Company 2 Shackbattle.READ MORE >
"That's the idea. I grab stuff from fuell's Twitch listings and grab from highlights of the past ..."see all 5 comments
Chatty Twitch Highlights 32: Labor Day Shackbattles
Sending everyone into this three-day weekend with a Battlefield: Bad Company 2 Shackbattle.READ MORE >
Chatty Twitch Highlights 31: Half-Life 2 on Oculus Rift and more
Now with 100% more dognose!READ MORE >
"Wormslayer, the HL2 VR mod author, fixed some of the glitches in a new patch and it works a lot ..."see all 4 comments
Shacknews Live: Hohokum
Sam gets a heavy dose of whimsy with Honeyslug's indie game.READ MORE >


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Kawasaki KLR 650 counterbalancer idler shaft adjustment lever
A part that frequently fails on these motorcycles. Owners simply refer to this part as a doohickey, since nobody can remember the official name.
flyingobject tarafından 13 Mart 2008, Perşembe
a way to describe an object when your mind is in such a clutter you can't remember its' name because you are pressed for time. similar in meaning to thing-a-ma-jig.
quickly, go over there and grab me the doo-hickey.
Paul J Parkinson tarafından 24 Mart 2005, Perşembe
doo - hick - e: (noun). The part of any thing or object that makes it work.
1. "Hand me that doohickey that loosens the lids on these jars."
Knot Marealname tarafından 15 Şubat 2012, Çarşamba
An acronym for web browser. Doohickey: Designed Online Organized Html Information Constructed kindly Enabling You.
Run your doohickey to type in a web address.
kylesaurus tarafından 11 Aralık 2009, Cuma


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The median home value in Montverde, FL is $231,400.
This is
higher than
the county median home value of $138,500.
The national median home value is $170,100.
The average price of homes sold in Montverde, FL is $231,400.
Approximately 60.58% of Montverde homes are owned,
compared to 17.47% rented, while
21.96% are vacant.
Montverde real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Montverde real estate agent to arrange a tour today!
Learn more about Montverde Real Estate.
Waterfront!! Best Location!! Spectacular !! Build your dream home on this 1+ Acre estate lot on Lake Apopka ! Bella Collina is an exclusive luxury community offering a spectacular Tuscan styled clubhouse with breath taking views of the rolling hills, Nick Faldo designed golf course ,restaurant, world class spa, resort style pool, tennis courts and fitness center. There is a $40 K social membership fee due at closing. Hoa , taxes everything is current on this lot.
Introducing El Solano of Bella Collina – Drop dead gorgeous views and one of a kind runway-like infinity pool with dramatic and unique fire features will have you stunning the crowds while you entertain them in your grand home which can only be described as the epitome of luxury and decadence. Renowned custom builder, Phoenix Companies has done it again with El Solano. It is all about the details, the kind that will wow even the most discerning homebuyer. The abundance of 5,740 sq. ft., 4 bedrooms, 5 full and 1 half bath will afford you all the room you need for accommodating your family and friends. The private wing for the Master Suite includes a sitting room which opens to the private courtyard area leading you to the pool. This home also features an exquisite executive office close to the master wing and child's playroom off the covered outdoor entertainment area. The upstairs living space contains 3 en-suite bedrooms, cozy loft with terrace and study overlooking the pool and lake. Viking appliance package, natural stone and custom wood appointments, as well as exterior features with unique styling, is one that is sure to please. The views of Lake Siena and the Bella Castle from this property were the inspiration in designing every aspect of creating this one of a kind masterpiece featuring over-sized windows, enchanting balcony and grand outdoor entertaining areas that includes summer kitchen and all the bells and whistles one would expect. Bella Collina – Only one Place
Custom home in established neighborhood built in 2006. Large half acre corner lot in the family friendly town of Montverde. Just a couple blocks and a short walk from prestigious Montverde Academy. House is almost 2500 square feet with just under 1900 sf of living area. Three bedrooms and two and a half baths with a three car garage. Living room has a traditional stone fireplace that reaches to a 16ft ceiling. The large kitchen has tons of cabinet space, an island, and opens to a large dining room that overlooks the incredible backyard. The master bedroom has his/hers closets, dual vanities, separate toilet room, walk in shower, and spa tub. The master opens to a balcony that overlooks Lake Apopka and the backyard. No expense was spared in the landscaping, pool, or concrete work. The patio/pool deck is close to 2000 square feet and gives the space a "resort feel". The 2014 pool is a custom 15x30 with a sun pad and energy effiecient pump. There is a fire pit for those chilly winter nights. The Key West style pavilion overlooks the pool and has plenty of room for table/chairs, a grill, and/or a bar. A walkway connects to a built in outdoor shower with hot/cold water. The entire backyard is fenced and very private. The property backs up to a 100 acre operating orange grove. You will not find a similar pool or backyard on another property in the under $500k range. Publix grocery 4 miles away. Close to Clermont, Oakland, Winter Garden.
Awesome country living in this charming THREE bedroom TWO bath LOG home. The VOLUME ceilings, open floor plan and beautiful WOOD FLOORS throughout most of the home, create an inviting warmth. After a long day, a dip in the screened POOL is sure to put a smile on your face. And for those folks who like to work on cars, do wood work, paint or whatever, the OVERSIZED garage is AIR CONDITIONED and insulated to make your task more enjoyable. The property is ABSOLUTELY gorgeous, from the views out the front to the grass filled acreage, outdoor living at it's best. This home is full of character and charm, once you walk in, you are not going to want to leave!
This is not a short sale. Handyman special mobile home with two bedrooms and two baths. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. No utilities will be turned on to this property and only cash offers with 0 day inspection period will be considered. Buyer should perform their due diligence before submitting an offer. Listing agent has no knowledge of property or disclosures. HOA fees and rules are subject to change and should be verified by buyer.
Sports Membership can transfer with transfer fee. Must build within 18 months using approved Bella Collina Builder.
Montverde is a fantastic area to call home with easy access to the Turnpike, Shopping, etc.
Perfect spot for your Single Family Home or a manufactured home, stop paying lot rent and purchase your own lot with no HOA dues.
Introducing Villa Montecatini at Bella Collina – Have you been dreaming of a breathtaking new home so luxurious that coming home feels like going on vacation? Well, Master Custom Builder, Phoenix Companies has made this home that reality. There is no doubt that Villa Montecatini is breathtaking from first sight, but what really gives this home a place in the heart of any discerning homebuyer are the details. From the Viking appliance package, natural stone and custom wood appointments, and exterior features with unique styling, this 4,109 sq. ft. home sitting on just over an acre with 4 bedrooms, 4 full and 2 half baths with detached guest house will be sure to please. The Master suite is nestled in a private wing overlooking the pool, yard and preserve area. The 2 island kitchen with walk-in pantry, built-in ovens has all the accoutrements you would expect make this the true heart of the home. The enormous eat-in area in the kitchen also provides stunning views mirroring the Master wing. The impressive library with custom built-ins and woodworking is one of a kind, and the splendor doesn't stop there. Entertaining is a breeze with the custom summer kitchen with gas fireplace and grill ensconced in a custom stone wall. Cabana bath completes the feeling of resort-like luxury. Part of what makes this home and the entire community of Bella Collina unique is the natural setting with elevations of up to 180 feet, a huge spring-fed lake, and the 30,000-acre Lake Apopka. Bella Collina – Only one Place
Enjoy one of a kind, stunning panoramic views of Lake Sienna and the rolling terrain of the 24 hour guard gated, golf and lakefront community of Bella Collina can be seen from almost every room of this truly custom lakefront luxury estate home. Breathtaking Lake Sienna abounds with native wildlife and foliage enjoyed at sunrise and sunset. Take the family and friends on a sunset cruise which you host and launch from your private boat dock. The community is located conveniently to major roadways connecting you easily to all that central Florida offers: Attractions, dining, shopping and airports. Visit the castle on the hill clubhouse and you will feel as if you have been transported straight to Tuscany where the facilities offer you and your guests a selection of gourmet and casual dining, a first class spa, authentic wine cellar, men and women luxury locker rooms and so much more. The sparkling lights of "The City Beautiful" can be seen at twilight on a clear night. This home comes complete with 5 bedroom suites, 6 full and 1 half baths adorned with Wolf appliances, granite throughout, stunning upgraded light fixtures and custom accents greeting you through the home. There are 3 fireplaces to enjoy and spend time with family and friends. The 18-holegolf course designed by Nick Faldo, the PGA tour golf great offers you and your guests a challenging day on the links. See what life is like at Bella Collina.
Fantastic location. Has it all. Privacy, excellent schools, and small town atmosphere. There is a golf course just down the road. Plenty of shopping and entertainment right next door in Clermont. The turnpike is just minutes away for access to the major arteries of Florida.
Real Living Good Neighbor Realty
990 N. SR 434, Suite 1132
Altamonte Springs, FL 32714
Email Us | Visit our Real Estate Website


text:
A system and method for transferring funds among registered and unregistered users of a value exchange system comprises a server system for receiving value exchange instructions from a sender, where the value exchange instructions include a recipient who may not be registered with the system. The value exchange instructions initiate a computer-generated sequence for authenticating the identity of the recipient, permitting the recipient to designate a payment method, and transferring funds to properly authenticated recipients.
1. A system for performing value exchanges between a sender and a recipient comprising
an input queue adapted to receive value exchange requests, wherein the value exchange identifies a recipient and a value,
a system core connected to the input queue for validating value exchange requests and identifying whether the recipient is known, and
a message generator for sending a message to a recipient who is not known and requesting a response, whereby, depending upon the response, the system core authenticates the recipient without requiring registration, and securely transfers funds to the recipient.
2. A method for performing value exchanges between a sender and a recipient comprising the steps of
receiving from a sender via a network connection instructions to perform a value exchange with a recipient,
checking a database and determining whether the recipient is known,
if the recipient is not known, generating in a computer a message to the recipient requesting authentication of identity and sending the message to the recipient via a network connection,
depending upon the type of authentication provided, causing a computer system to transfer funds to the recipient in a manner designated by the recipient.
The present application claims the benefit of U.S. patent application Ser. No. 11/694,747, filed Mar. 30, 2007, (hereinafter sometimes referred to as the �'747 application�) as well as U.S. provisional Patent Application Ser. No. 61/036,866, filed Mar. 14, 2008, both of which are incorporated herein in full by reference.
The present invention relates generally to network-based payment systems, and more particularly relates to systems and methods for sending payments across wireless and wired networks to unregistered users.
Financial transactions performed over public networks such as the internet have generally been limited to individuals and businesses that have registered with the service managing the back end of the transaction. Such registered users have been permitted to perform limited types of transactions, but even such limited transaction types have demonstrated the viability of new technologies for performing financial exchanges.
However, the prior art typically has not permitted a registered user desires to engage in a financial exchange with someone who is not registered with the service managing the transaction. In such cases, the unregistered person or entity has been required to register to be able to take part in the transaction or exchange. This can present problems in some significant percentage of instances, either because the unregistered person or entity simply desires not to be registered, or because there are financial or other limitations which prevent registration. The inability of the one party to register has, in the past, at least generally caused the transaction or exchange to fail.
While there are alternatives for sending money, such as services provided by Western Union and others, these services are typically costly and involve having at least the recipient appear in person, among other inconvenient or limiting aspects. This inconvenience makes such transactions unattractive to a significant percentage of those who might otherwise use such a service.
As a result, there has been a need for a convenient, fast, inexpensive system and method which permits users of a financial system to conduct financial transactions or similar exchanges with anyone, whether a registered user of the system or not.
The present invention overcomes the limitations of the prior art by providing a system and method by which financial transactions, including remittances, or other exchanges can be conducted between users who are not registered with the system. For convenience, as used hereinafter, �transaction� will be understood to encompass all forms of transactions and exchanges. Likewise, hereinafter �funds� will be used to encompass all forms of value.
The invention further permits the conducting of financial transactions or similar exchanges with individuals who do not maintain an account at a financial institution such as a bank.
To permit such transactions and exchanges to be performed easily and expeditiously, the present invention includes, in some embodiments, the ability for at least one of the parties to the transaction to be unregistered. Such users can engage in a one-time transaction by providing adequate authentication to the system. In some embodiments, the authentication process can be structured as a mini-registration, although in other embodiments greater or lesser levels of authentication can be implemented, and in some cases the authentication data is recorded only long enough to ensure against fraud or other improper transactions. Similarly, in some embodiments the authentication required can vary depending, among other things, upon the nature, size and/or reach of the transaction. For example, if the reach is across international borders, specific forms of authentication may be required whereas transactions not crossing territorial borders may permit more generic forms of identification.
In some embodiments, to perform a transfer, the system and method of the present invention places funds derived either from a system account or a linked account, such as a bank account, shares account, credit card, line of credit, or other funding source, or both, and places those funds in a pooled account while the transaction is being completed. Upon completion, the funds are transferred to the recipient. In other embodiments, the sequence by which the funds are transferred can vary. Likewise, in some embodiments the funds can remain in the sender's account and are transferred directly to the recipient upon the conclusion of the transaction. In still other embodiments, involving other than real-time or near-real time transactions, the system can move the sender's funds to a first pooled account for further handling, and then move the funds to another institution or clearing house in batch mode.
It will also be appreciated that the system of the present invention can automatically invoke, or require a sender to invoke, different types of accounts. Thus, for certain transactions, a sender can register with only limited information, but the same sender, desiring to engage in a different transaction, can be required to provide additional authentication to be able to perform the transaction.
These and other aspects of the present invention can be better appreciated from the following Detailed Description of the Invention, taken in conjunction with the appended Figures as described below.
This application incorporates herein in full the disclosure set forth in the '747 application, which describes a system for sending and receiving payments from registered users or members to recipients who may or may not be registered users, together with the disclosures set forth in Appendices B and C.
Referring first to
As discussed in the '747 application, when the sender 100 sends a payment, the system of the present invention communicates to the recipient and also performs various accounting tasks, including, for example, one or more of verifying the availability of funds, debiting the sender's account or placing on hold an appropriate amount of funds in that account, transferring funds to a pooled account, transferring funds to a suspense account, and crediting the recipient's account, if known.
For the present disclosure, where the recipient 105 is not registered, the system cannot map the recipient to an account into which to transfer the funds, but nevertheless communicates to the recipient, such as through a phone number, email address, or other identifier supplied by the sender, that the funds from the sender are available for pick-up. At this point, the recipient is, in accordance with the illustrated embodiment, given choices as to how to receive the funds. The recipient can choose to register, as shown at 110, can choose a method to receive funds without registering, as shown at 115, or can ignore or reject the payment, as shown at 120.
In the event that the viral recipient 105 chooses to register, he can, in accordance with at least some embodiments of the invention, register by providing appropriate information, including, for example, either by identifying a prepaid account he already has, which can but need not include a prepaid card, as shown at 125, or signing up for a new prepaid account during registration. Alternatively, the viral recipient can register by identifying to the system his existing account at a financial institution, such as a credit or debit card account, as shown at 130. In such instances, the registration information will typically comprise a card number and/or other suitable identifiers that uniquely identify the viral recipient to the system, shown at 135. Still further, the viral recipient 105 can choose to register by mapping to a bank account, an investment account, or any other funding source maintained at a financial institution, as shown at 140. If a bank account, this will typically require that the viral recipient provides ACH mapping information, such as routing and transit number, and account number, as shown at 145, although other indicia can be used in some embodiments.
In the event that the viral recipient elects not to register, as shown at 115, the viral recipient can elect to receive a check, as shown at 150, by entering sufficient information to identify to whom and to where the check is to be sent. In some embodiments, a third party clearing service can be used as a drop point for the check. In some embodiments, fees can be charged for having a check prepared and sent. Alternatively, the viral recipient can elect to receive funds via the ACH, as shown at 155, in which case the viral recipient will be required to provide sufficient identifying information, for example account number, routing number, and transit number, as shown at 160, although other information can be used in some embodiments. Further, the viral recipient who elects not to register can receive funds via an existing relationship with a financial institution, for example an existing debit or credit card account as shown at 165. In such an instance, the viral recipient will typically be required to provide sufficient information to uniquely identify the destination of the funds, as shown at 170, such as his card number, and any other identifiers such as CVV, zip code, or other information to ensure the legitimacy of the stated destination.
In the event that the viral recipient either refuses the funds, or ignores the message advising of the funds, the transaction is canceled and the funds are restored to the sender. Typically, the viral recipient is permitted a predetermined time, such as 30 days although the specific period can vary with the implementation, to act on the message before the message is deemed �ignored� and the transaction canceled.
Referring next to
Money or other value residing in the user's System Account 200 can be unloaded, that is, sent to the user, through any suitable channel, examples of which are also shown in
Referring particularly to
Similarly a load from a demand deposit account (DDA) starts with the user messaging the system core 300 to transfer funds from the user's DDA account 210 maintained at a financial institution 210D. The system core 300 communicates the transfer request to an ACH processor 210A, which communicates with an ACH settlement institution, typically a bank. The settlement bank communicates the funds transfer request to the consumer/merchant (or other user's) bank 210D, which transfers the funds from the user's DDA account 210 into a settlement account 210C maintained at the settlement institution. The user's system account is then updated to reflect the load, and the funds are moved in due course from the settlement account at the settlement bank 210B into other accounts managed by the system of the present invention.
Likewise, a load from an association account 215 comprises a request from the user to the system core 300 to transfer funds. As used herein, an association account refers to an account accessed through a network maintained by an association such as VISA, MasterCard, Discover, American Express, etc., and the particular account can be any type of account made available by a member of that association, such as a credit card account, debit card account, prepaid account, or another type of account. The request is communicated to a merchant processor 215A, which communicates the request to a merchant settlement bank 215B and charges the user's card 215, at which point funds are moved into a settlement account 215C maintained at the merchant settlement bank 215B. The user's system account 200 is updated at the appropriate time, and the funds in the settlement account are settled within the system in due course. Similarly, a request to load funds from a prepaid or credit account 220, 220′ or 220″ maintained either through a direct relationship 220B, an EFT/ATM network 220B′ such as STAR, NYCE or PULSE, or an association network 220B″ such as VISA, MasterCard, etc., begins with a request from the user to load funds from his account, the request is processed either directly (such as in accordance with ISO8583 or other custom protocol) or through the appropriate processor network, and then to the direct partner institution or participating network financial institution. Those skilled in the art will appreciate that the various networks described above differ primarily in the protocols they use and the rules by which transactions are managed, and any type of account can be offered by an institution affiliated with any of the networks shown. Thus, while specific account types are discussed herein in association with different types of networks for purposes of illustration, it will be appreciated that neither the invention nor any embodiment described herein is limited to a particular type of account, a particular type of network or institution, or any combination thereof. A cash load 225 occurs similarly, and can involve a cash load/unload agent 225D to deposit cash funds into a settlement bank 225B, where they are held in a settlement account 225C. The deposit is communicated to a cash load/unload processor 225A, which in turn communicates with the system core 300 to update the user's system account. It will be appreciated that load and unload processes involving the ACH, cash or checks may not occur in real time, while the remaining processes can occur in real time or near-real time. However, through the ACH system, a sender can send funds to any recipient who has an account at any bank that participates in the ACH system, and therefore can be uniquely identified by routing and transit numbers, or other similar indicia. It will also be appreciated that, while the foregoing flow involves both sender and recipient being registered on the system, the recipient may not have been registered at the time the funds were sent, and instead registered as part of the process of receiving those funds.
Referring next to
In a typical arrangement, external DDA accounts are typically accessed through an ACH processor, while debit/credit accounts are typically maintained with a financial institution that is integrated into the system of the present invention. As discussed above, a financial institution that has been integrated into the present system can be thought of as a partner institution, and such integration permits funds transfers to be performed in real-time or near real-time, while funds transfers through the ACH system are not performed in real time.
As noted above, the present invention permits funds to be delivered to anyone, whether or not registered with the system of the present invention, although appropriate verification of identity is required in at least some embodiments.
As better shown in
If the recipient elects to receive his funds at an account maintained at a financial institution connected to the system of the present invention through either an EFT/ATM network or an association network, the funds are delivered to these respective banks 530 and 540 through their respective networks 535 and 545, at which point the funds are provided to the recipient. Such transfers occur in real time or near real time in at least some embodiments.
If the recipient elects to receive his funds via check, the system core 300 sends a message to a check processor 550, which in turn communicates with a check settlement institution 555. The funds are debited from a settlement account 560 connected to or otherwise associated with the system and maintained in that bank 555, as with the other settlement accounts described herein, and the check is generated for the user. Likewise, if the recipient elects to receive funds in his DDA account maintained at an institution accessible through the ACH, the system core 300 sends a message to an ACH settlement bank 565 through a processor 570, where a settlement account 580 is maintained. In some instances the recipient maintains his account at a bank or other financial institution 565A, in which case funds are transferred from the settlement bank to the bank. If the recipient elects to receive cash, the system core 300 sends a message to a cash agent 585, who in turn communicates to a settlement bank 590 where a settlement account 595, managed by system of the present invention is maintained, and cash is delivered to the recipient either directly or through a second cash agent 597.
Referring next to
If the sender is sending funds to a different entity, the sender supplies an identifier of the recipient as discussed in the '747 application. Depending upon the destination of the funds, an account map 665 either already knows the location of the recipient's account, or the system sends a message to the recipient and the recipient identifies where the funds should be sent as discussed in connection with
Referring next to
In some embodiments, it is desirable to allow a user to receive a limited amount of money regardless of the result of the ID check. To achieve this, once the OFAC test is passed, all of signup process necessary to �receive� is complete. In such an embodiment, ID check requirements need not be enforced unless the user exceeds a predetermined limit on the amount of funds received, or exceeds a predetermined limit on the rate at which transfers occur, or the user attempts a restricted action. This arrangement has the advantage of not requiring a system account for the user.
If the user fails the ID check during registration, or partly fails, some embodiments limit the functions available to the new user. For example, in such an arrangement, the functions available to the new user can be limited to: account history, receiving money from friends, identifying payment methods, tracking money requests, inviting friends, tracking invitations, and so on. Other functions can be configured to cause an upgrade process to be initiated, requiring greater verification of ID. Such functions can include, for example and without limitation, adding money, attempt to auto-withdraw funds, sending money, withdrawing funds, cancelling money sent, attempting to add a bank account or editing the already-identified account, or applying for a card. It will be appreciated that different account privileges, comprising, for example, velocity threshold for the transfer of funds or other functional controls, will vary in some embodiments depending upon the level of ID verification performed, with greater privileges accorded to those whose ID's have been more thoroughly verified.
Referring next to
Referring next to
Referring next to
If the cause of the upgrade was an earlier ID check failure, the ID check is retried at 1050 and 1055. If the new ID check fails again, the account is locked at 1045. If the new ID check passes, the account is upgraded to restricted as shown at 1060. A determination is then made as to whether challenge questions must be answered. If yes, the challenge questions are asked as at 1035 and 1040, discussed above. If not, the process completes as shown at 1070.
Referring next to
Having fully described a preferred embodiment of the invention and various alternatives, those skilled in the art will recognize, given the teachings herein, that numerous alternatives and equivalents exist which do not depart from the invention. It is therefore intended that the invention not be limited by the foregoing description, but only by the appended claims.
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"I read the entire article and learned that not only was Kim wearing things belonging to my son, but she claimed that the home belonged to her as well. This experience helped me draw my own opinions about Kim. And they weren't good."
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"...and there I suddenly found my articulate self in a dazzling land of smiling, jostling people wearing and not wearing all sorts of costumes and doing all sorts of clever things. And that's when I knew! What other life could there be but that of an actor?"


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ahiSyllabification: a·hi
Pronunciation: /ˈähē /
Definition of ahi in English:
A large tuna, especially as an item of food.
Example sentences
- Nowadays, local master chefs each have their own way of preparing the celebrated ahi,, cooked tataki style, meaning cooked on the outside and raw in the inside.
- Rinse 3 ounces sashimi-grade ahi tuna (yellowfin or bigeye; for bacteria safety, buy it from a good seafood purveyor); pat dry.
- The fish includes mahi-mahi, salmon, swordfish, grouper, sea bass and ahi tuna priced between $14 and $18.50.
Hawaiian 'ahi.
Definition of ahi in:
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Word of the day prepotent
Pronunciation: ˌprēˈpōtnt
greater than others in power or influence


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November 26, 2014
PHOENIX (AP) -- A Phoenix mother has been arrested after authorities say she put beer in her 2-year-old son's sippy cup.
Phoenix police were called to a pizza restaurant Tuesday night after witnesses say they saw 36-year-old Valerie Marie Topete pour beer from a pitcher into her son's cup and then the child drank some of it.
Phoenix police say Topete admitted pouring the beer in the cup because the child kept reaching for the beer pitcher.
Officers examined the contents of the cup and determined the liquid was consistent with beer.
The child was taken to a hospital for precautionary reasons and was later released to the care of his father.
Topete is being held on suspicion of child abuse. Police didn't know if she has a lawyer.
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It was a conversation from Dai and her not liking aquatic films that prompted me to create this list just for her. As I gathered the most notable titles in this area, I began to realize that there were alot of water-based films that I really liked. In fact, I'll go as far to say as "favorites". Though there is a bit of difficulty when creating a purely aquatic list. That being the level of … Continue reading
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Top Heavy: It's a golden era for Manitoba's elite curling teams
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Is Manitoba in its Golden Age of Curling? Or is it all Fool's Gold, with the presence of a couple of high-flying teams based in this province papering over what is otherwise a shallow pool of competitive curlers and a shocking decline in the sport's grassroots in ...
Chinese men arrested over fool's gold
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TWO men walked into a shop in Jalan Besar on Sunday bringing with them an old Chinese will, a small piece of gold and an amazing story. They told the shop owner that they were construction workers from China who had dug up gold ingots somewhere in ...
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Commentary | For Tampa Bay Bucs, it's fool's gold to think about first place
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Chicago Bears running back Matt Forte is tackled by Tampa Bay Buccaneers defenders during the second half of an NFL football game Sunday, Nov. 23, 2014, in Chicago. The Bears won 21-13. NAM Y. HUH — AP Photo ...
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Theoretically, iron pyrite -- a cheap compound that makes a common mineral known as fool's gold -- could do the job, but when it works at all, the conversion efficiency remains frustratingly low. Now, a University of Wisconsin-Madison research team explains ...
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