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Nov 27 2013
Trey Songz 2014
Trey Songz 2014
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Trey Songz
Choose your zodiac sign, horoscope and discover through 2014 of Margherita , as I think. Nicki Minaj),' #1 single 'Can't Be Friends,' 'Can't Help But Wait,' Fabolous-assisted 'Say Aah' and the sultry 'Invented Sex. If not, you can come to our store and browse our wedding dresses. As you know may be that's why it is said that fashion fades while style is eternal. 'Which two of y'all going home with Usher' and it is true. Various sectors along with banking will look to provide a variety of jobs , you will love this idea. Check out the list of amazing cars that will be coming by 2014. Potential to be selected in the various employment opportunities bring out the candidates in flocks to various companies that have put out their advertisements for 2014. Banking Sector in India is among the top sectors in the country and other things. My better half is very pleased with this Zippyshare Trey Songz.
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Official Indy DVD Thread
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The Kevin Steen Interview - 2 Disc Set
Kevin Steen's no holds barred attitude in the ring and on the microphone has made him one of the top performers in pro wrestling today. We sat down with Kevin to talk about his long way to the top of the independent wrestling world. Kevin fully admits that it wasn't easy and he had to claw, scratch and bite a few people along the way.
We talk to Kevin about all the major moments in his career. From his US debut in CZW to his feud with Super Dragon in PWG to his feud with a tennis racket swinging 80's manager in Ring of Honor.
Kevin's passion for wrestling is the reason why he was world champion for Ring of Honor and Pro Wrestling Guerrilla at the same time but it's also the reason why this is a can't miss interview. You have seen KILL STEEN KILL now its time to watch TALK STEEN TALK.
Bonus Matches
Kevin Steen vs. Tommy Dreamer - Pro Wrestling Superstars - 1/28/12
Kevin Steen vs. Sexxy Eddy vs. El Generico vs. Excess 69 - Combat Zone Wrestling - High Stakes 2 - 9/11/04
Kevin Steen vs. Zane Riley - Premiere Wrestling Xperience - Fear The Beard - 8/17/12
Kevin Steen vs. Cedric Alexander - Premiere Wrestling Xperience - There Goes the Neighborhood - 8/18/12
Kevin Steen vs. Matt Hardy - Premiere Wrestling Xperience - Evil Twist of Fate - 10/5/12
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PM Recommends: To Change Everything Booklet Kickstarter by CrimethInc
From the CrimethInc's Kickstarter page:
"To Change Everything is a full-color 48-page booklet. In fresh, accessible language, it explores the virtues of self-determination, illuminates why authoritarian power structures cannot resolve the crises they produce, and discusses how to weave our personal revolts together into a collective struggle for liberation.
We want to print 100,000 copies and circulate it for free, so as to reach the generations radicalized by the global movements and catastrophes of the past few years. We've worked with Submedia.tv to produce an accompanying video; we're coordinating with publishing collectives around the world so it will appear simultaneously on at least three continents in a dozen or more languages. The video and text will be available in all these languages on a fully responsive website. The stakes are high today and this project is correspondingly ambitious."
Watch, support and donate CrimethInc's To Change Everything Booklet


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Michael Hanko: Platoon Lieder–Songs of a Gay Soldier
West Village
Until Fri Jun 28 2013
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Time Out says
Posted: Tue Jan 29 2013
Former army lieutenant Hanko uses classical German art songs (with modern English lyrics) to tell the story of his ordeal as a gay soldier in the pre-DADT military. He's joined by pianist–musical director Byron Sean; Andy Schneeflock directs.
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Sumo wrestlers eat lots of "nabe" to get up to fighting weight. We've toned our salmon soup down a lot, so this really isn't going to pack on the pounds unless you eat it with a LOT of rice. Sumo wrestlers have their own recipes and vary the soup depending on the ingredients they have. This is our version of Ishikari Nabe, using ingredients that we are readily able to find here. It isn't authentic, but works with our kids. The recipe is meant to be adjusted to incorporate things you may have at hand. We often add spinach, squash, green onions, sweet onions, mushrooms. You can add the eggs if you want, usually the tofu and salmon are plenty for us. If you really want to eat like a sumo wrestler, you should just dump your STEAMED rice right into the soup.
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Serving Size: 1 (359 g)
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John Paul II Minor Seminary
|This section requires expansion with: history. (January 2009)
|John Paul II Minor Seminary
|June 2007
|Minor Seminary
|Fr. Jose "Joey" Bautista
|Antipolo, Philippines
|Blue, White and Yellow
John Paul II Minor Seminary (abbreviated "JPIIMS") is the only Diocesan Formation Center for High School Students who have the desire of serving God through priesthood. The Seminary was established in 2007, it is located along Maguey Road in Barangay San Luis in Antipolo City, which is part of the Roman Catholic Diocese of Antipolo under its shepherd, the Most Reverend Gabriel V. Reyes, DD with the Most Reverend Francisco M. De Leon, DD as the Auxiliary Bishop.
The seminary began with forty-eight (48) First Year seminarians on June 2007, who came from the Province of Rizal and some in Manila area. For the academic year 2010-2011 came the first batch of graduates.
When the seminary was erected, Rev. Fr. Mabini "Butch" O. Cabildo served as its first Rector from 2007-2010. When he celebrated his 10th sacerdotal anniversary (years in the priesthood), he was granted a sabbatical leave so the position was left vacant. Rev. Fr. Joselito "Lito" A. Santos, the Prefect of Discipline and vice-rector then, took on the position "Rector" until the following school year. He was appointed as the second Rector of the seminary by his excellency, Most Rev. Gabriel V. Reyes, D.D., the bishop of Antipolo. On August 4, 2011, the feast of St. John Mary Vianney, Fr. Lito announced to the community that he has been assigned by Bishop Gabby as his new secretary. Since he was assigned such, Rev. Fr. Jose Bautista was appointed as the acting Rector.
Rev.Fr. Mark Anthony Naval is the Prefect of Discipline, he was just ordained last October 15,2011 on the feast of St.Teresa of Avila. Rev. Fr. Cristopher Gonzales is the Spiritual Director and Confessor.
S. Maria Julisa Jugadora, RVM serves as the Treasurer and S. Maria Marilou Madronero, RVM is the Prefect of Studies of the Minor Seminary.
Teachers from the Our Lady of Peace School, the cathedral school of the Parish of the Immaculate Conception in the City of Antipolo, come to instruct the seminarians everyday from June to March. The seminarians get the same instruction as to the one in OLPS.
Sr. Ma. Josefina B. Cangayda, RVM† served as the seminary's first principal. Sr. Ma. Marilou Madronero,RVM is the second and current principal of the seminary
In order to raise funds for its construction, a number of Fund Raising Activities were held within the diocese. Finally, the first Seminary Buildings were completed and blessed on October 3, 2007. After a year and a half, the second building was completed. The seminary chapel (dedicated under the title of St. John Mary Vianney) was finished recently. It was blessed and inaugurated by the Apostolic Nuncio to the Philippines, the Most Rev. Edward Joseph Adams, D.D., last September 4, 2010 in the presence of the Most Rev. Gabriel V. Reyes (Bishop of Antipolo), Most Rev. Francisco M. de Leon (Auxiliary Bishop of Antipolo), priests, men & women religious, seminarians and their parents, and lay leaders of the Diocese of Antipolo.


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Provides brain tissue. Lyophilized.
Our natural glandular material is derived from government-inspected, range-fed animals, raised in New Zealand and Australia, whose animal husbandry regulations are among the strictest in the world. The material is lyophilized, which means it is immediately frozen, then subjected to a high vacuum that vaporizes moisture directly from the solid state.
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Hydroxypropyl methylcellulose, silicon dioxide, L-leucine.
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|Brain (Bovine, Lyophilized)
|250 mg
|* Daily Value not established.


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I always order from here. Great prices and amazing selection! The only downside is long shipping times (if choosing free shipping with a heavy...Read More ->
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Posted: Feb 24, 2014 9:24 PM
Updated: Feb 25, 2014 7:26 AM
Part 1
COSTA RICA - United States federal agents are hard at work 2,000 miles south of the border. Their mission is to stop cocaine from flowing north toward American neighborhoods.
"We are going to stop it before it reaches U.S. soil," a U.S. Customs and Border Protection officer said.
"We'll interdict boats and aircraft that ... carry a much, much heavier load than anything you'll ever find ... going through the border," the officer said.
Cocaine trafficking has a direct link to crime in American, officials said.
Costa Rican officials can't fight the war alone. The country doesn't have the resources.
"The U.S. Border Patrol, they came and formed the border patrol here in Costa Rica," Costa Rican Minister of Defense Walter Navarro said.
Related Link: Visit the Special Report: Chasing Cocaine page
A CHANNEL 5 NEWS crew witnessed the similarities between the Rio Grande Valley and Costa Rica.
Just like in the Valley, drug traffickers try to get rid of their drugs and bail out when authorities spot them. Except in Costa Rica it happens at sea.
U.S. federal agents face off with international drug traffickers. Those criminals will risk anything to escape.
American surveillance cameras capture the chases, and their aftermath.
CHANNEL 5 NEWS is the first South Texas television station ever granted full access to top secret missions in Costa Rica. The news crew witnessed the work agents do to stop traffickers in the air, at sea and on land.
U.S. federal agents are helping start a border patrol in Costa Rica. The Central American nation has no military, no federal police and its borders are open.
"We are just scraping the top," U.S. Border Patrol Agent Jaime Fierro said.
Mexican and Colombian drug cartels settled in Costa Rica a few years ago.
"They use this country as a point of transportation. It (has) open borders, no checkpoints. You can easily bring the drugs, contraband, narcotics, what have you, into the country, stage them and then head up north," Fierro said.
Stopping cocaine loads in Costa Rica has a positive impact in the Valley, Fierro said.
"Obviously, we want to put the right person in place and avoid corruption. Train them correctly, and then build the foundation from there," Fierro said.
American authorities set up a training facility in Costa Rica. The training tactics mirror those used by Border Patrol agents in the Valley.
"It's a joint strategy between two friendly countries with common problems and common solutions," Navarro said.
Cadets are taught how to run a checkpoint. The goal is to stop the flow of cocaine.
The drugs are moved from Colombia to Costa Rica by airplane, boat or semisubmersible. The cocaine, in its purest form, is packed in large bales.
Traffickers dilute and repackage the cocaine in Costa Rica and ship it to Mexico, were it is diluted again.
The large bales are broken up into small packages and shipped to the United States.
Human smugglers also use Costa Rica as a stopping point. Nicaraguans regularly cross illegally into Costa Rica.
Many Nicaraguans carry sharp machetes as protection against border bandits.
"I think it's worse and worse in Nicaragua," Sylvia Flores said. She moved legally into Costa Rica from Nicaragua.
"The poor and the rich ... that's it. There's no middle class. Those with money exploit the poor," Flores said.
Flores owns a store about a quarter mile from the Nicaragua-Costa Rica divide. Flores said she constantly sees people entering the country illegally.
"Police catch them, they get deported and they turn around and come right back. It's an everyday problem," Flores said.
Costa Rica has only 200 agents patrolling its 186-mile northern border.
"We are going to probably see things that they didn't know existed - the smuggling routes, the smuggling techniques," Fierro said.
American and Costa Rican agents raided a remote helipad where they found jet fuel and cocaine.
Costa Rican officials said they also see the need to secure their southern border with Panama. They problem, they say, is the lack of manpower and funds to finance the operations.
Still, Costa Rican officials said their goal is to have at least 2,000 agents to patrol the country's northern and southern borders.
Other countries, like Colombia, also are helping Costa Rica build its border patrol.
The United States pumped nearly $1 million into Costa Rica's border patrol in 2012. The money covered equipment and training.
Part 2
The lush jade jungles attract countless visitors to Costa Rica. The country also has become a destination for those chasing cocaine.
Massive amounts of cocaine flow through Costa Rica.
Drug runners use airplanes and large, fast boats to transport the cocaine.
Colombian and Mexican drug cartels settled in Costa Rica years ago.
Smugglers are known to open fire on authorities.
High-speed chases happen at sea. Smugglers will often abandon their go-fasts when they fail to outrun authorities.
Authorities use aircraft and boats to stop smugglers on international waters.
A group of U.S. lawmen are part of the effort to stop the flow of cocaine through Costa Rica.
The eight men are based at the naval station in Corpus Christi.
U.S. Customs and Border Protection runs top secret missions with a fleet of Lockheed P-3 Orion aircraft. The agents have orders to stop cocaine before it hits U.S. waters.
The seizures are nothing like the ones in the Rio Grande Valley.
"Large-scale seizures. We'll interdict boats and aircraft that will typically carry a much, much heavier load than anything you'll ever find on land, going through the border," a CBP supervisor said.
Last year, Border Patrol agents seized more than 1,800 pounds of cocaine in the Valley. The P-3s took down more than 119,195 pounds of the narcotic. The drugs had a street value of more than $8 billion.
"It's kind of a cat-and-mouse game. It just all depends on the situation," a detection enforcement officer said.
CBP agents fly over the Pacific and the Caribbean. They use state-of-the art surveillance equipment that allows them to spot speeding boats from high above the clouds.
"Most people look at the image and go, I don't see anything but a big blob there," the officer said.
Agents look at the screen and can tell what type of boat it is, how long it is and the weight of the load.
The airplanes are equipped with an array of cameras. The cameras can zoom in on the smallest detail.
The cameras capture images that serve as evidence of crime running rampant on the high seas.
The P-3s run nine-day missions. Each mission nets at least one bust.
CHANNEL 5 NEWS was given full access to one mission off the coast of Costa Rica.
Coast Guard airplanes also patrol the region. U.S. Navy cutters offer support on the water.
"We are one piece of the pie. We're a big piece, but a piece of the pie," the CBP supervisor said.
Central American nations, like Costa Rica, welcome the P-3s. The aircraft have flown out of Ecuador, Peru Colombia, Panama, El Salvador, Belize and Mexico.
The flights are vital to Costa Rica. The country does not have a military, federal police or coast guard.


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Photos and Description of this 4 bedroom holiday condo in Westport - pond meadow @ westport harbour
3/4/5 bedroom, 3/4 baths & lavett, sleeps 10 (12+ comfortably) (can be 5bd/4bth)
Pond Meadow overlooks the shores of Rhode Island Sound & Buzzards Bay on the Rhode Island line, offers the discrete vacationer a unique opportunity to enjoy all the benefits of oceanside living, waking up to sounds of the ocean!! The condo has it's own beach with all the amenities one would expect from this historical & one of a kind property. Every view is a waterview! 4,000 square feet of pure vacation! Beautiful granite kitchen w/ double ovens, double dishwashers, refrigerator with filtered water system & bar fridge. Safe & family oriented beachside community. 4beds/4baths (or less if preferred), hardwood flooring, working fireplaces, 40' wrap around deck with grille & patios sets, game room with bar, fireplace, pool & air hockey tables!! Deleaded, high speed wifi, laundry, bicycles & 120' river wharf. 1 hour drive to the home of the NE Patriots & Boston Red Sox, P Town, Foxwoods & Mohegan Sun. Beach towels, boogie boards & beach toys already there waiting for you!! Taking inquiries for summer 2013!! Pets welcomed!! Pure Vacation Heaven!! Thanx, Susan X
- Suitability:
- Long-term Renters Welcome
- Low Allergen Environment
- children welcome
- non smoking only
- pets considered
- suitable for elderly or infirm
- wheelchair inaccessible
About Susan Jeanne Xifaras
family owned mansion since the mid 70's...turned condos in the 80's... i live at the premises!!
Susan Jeanne Xifaras purchased this condo in 1977
Why Susan Jeanne Xifaras chose Westport
you will enjoy you vacation at pond meadow!! best views in New England!! Very relaxing, family oriented beachside community!!
What makes this condo unique
no tourist, no traffic...walk to the beach!! sleep outside on the deck under the stars!! one of a kind vacation!!


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Derek Lee Schrader, 20, accepted a plea deal in the case of the man who died from a snakebite earlier this year. He was initially charged with illegal housing and possession of wildlife.
published Wednesday, June 29th, 2011
The last of four men facing state wildlife charges after a local man died from a snakebite earlier this year entered a plea of guilty Wednesday.


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MVC Widget Error
7 Tips to Prepare for Your Appointment
The key to a successful appointment is communication. To get the most out of your visit, prepare ahead of time so you can lead the conversation with your doctor. These 7 tips will get you ready
Appointments & Offices
Check insurance plans, locations and make an appointment
Office Locations
- Renaissance Imaging Medical Associates
- 18436 Roscoe Blvd
- Northridge, CA 91325
- (818) 435-1400 (Office)
- (818) 435-1492 (Fax)


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Experienced framers Barry Stahl and Bob Clayton built Big Picture Framing from scratch in 2000, holding meetings around an old card table as construction roared around them. Today, framers at 15 area locations craft custom frames to display artwork, photographs, and record sleeves, and shadow boxes protect three-dimensional items such as ballet slippers, macaroni art, or a swarm of wasps. Patrons can dictate all design choices, choosing from metal and wooden frames in a multitude of colors and styles, or ask for recommendations from one of Big Picture Framing's resident experts. Big Picture Framing also stocks pre-framed art, prints, and posters to spruce up bare-walled homes or a drab doghouse.
With lube and service centers spread across America, Valvoline Instant Oil Change ensures that roads from coast to coast teem with automotive vigor. Certified technicians perform a roster of services, including drive-thru oil changes that allow motorists to arrive without an appointment and remain in their car while Valvoline oils forge a truce between metal parts.
(781) 648-4598 Shop hours are Monday to Friday 8am to 5:30pm Tire Rotation oil & lube Chassis & Suspension Service Air Conditioning & Heating System Front End Repair Clutch Service Tune ups Fuel System service You can count on me for the best price, highest quality workmanship and quickest turn around time.
"That's Right At Pleasant Car Care we Fix everyting from Maintenance oil changes to complete engine overhauls. And to ensure total integrity,we digital photo each repair needed. At Pleasant Car Care, we want to be your dependable Neighborhood car repair service center. That's our promise to you." Charlie Zlatkos Owner
Express Tire & Auto Service applies its automotive know-how to autos of all makes, models, and sizes, providing an efficient way to check the safety and overall maintenance of your trusty steel steed. For cars in need of a comprehensive spa day, the wheel whisperers will begin by ensuring that all four tires are rotated and balanced, and that both oil and filter are as fresh as a Febrezed daisy. (Synthetic-oil aficionados will need to pay an additional fee for their favorite brew.) Maintain the integrity of an "I brake for STOP signs" bumper sticker by allowing the resident car doctors to complete a full system and safety check before installing a set of new wiper blades that will prove reliable sidekicks for your newly up-to-code cab.
Chauffeurs' hands jingle with keys to a fleet of luxury cars, ready to rev them up and hightail across town throughout day and night. Sedans and town cars deliver passengers to locales such as Foxwoods Resort Casino and Logan Airport at any hour, with specialty flight-tracking software to ensure travelers arrive on time. Chauffeurs also tend to a garage full of specialty vehicles, releasing Escalade limos, a 23-passenger trolley, a 1959 Rolls-Royce, and a van with a mural of Woodrow Wilson punching the kaiser painted on the side to lend a festive air to occasions including proms, birthdays, and weddings.


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Foundations in Leadership Courses Available
January Issue of OUR BROCK Newsletter Now Available!
Brock is feeling GLEE!
Club Profile: Brock Musical Theatre
BUSU Executive Forum A Success
McMaster Student Leaders Tour SLIC
R.A.K. Volunteers Needed
Brock Welcomes Blood Drive to Campus
Student Leadership & Innovation Commons Now Open
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New York State's acting health commissioner has a couple easy tips for people afraid of Ebola: Clean your hands and get a flu shot. "The symptoms of many viral illnesses, they always begin the same," said Dr. Howard Zucker, at a press conference convened today by Governor Andrew Cuomo to discuss h ... More >>
Yale UniversityHave you been following the saga of Patrick Witt, the most perfect college student in the United States? Witt, class of '12, is a gentleman athlete and scholar who has been faced with a difficult situation: do a Rhodes Scholarship or play quarterback in the annual Harvard-Yale ... More >>
Sam EshaghoffSam Eshaghoff, a 19-year-old student at Emory University, has been busted as the alleged kingpin in an SAT cheating ring after apparently taking the text for at least six students from Great Neck North High School in Mineola, Long Island, making between $1,500 and $2,500 a pop. W ... More >>
NYU takes on Emory University
Sean Penn delivers a soulful road movie and refuses to define his subject
The wheel world: Is disability studies academia's next frontier?
The irresistible pull of the down-low mythuh, storyhooks reporters and their readers
The end of a twenty-five year dance career
Some Scientists Refuse to Get Paid for Killer Ideas
A New Debate Over Safety in Sucking
Pro-Choice Is No-Choice on Campus
The Fight to End Campus Affirmative Action
Sit Back, Relax, and Enjoy the Therapy


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83-15684 - PiTFT Mini LCD Kit
PiTFT Mini Kit - 320x240 2.8" TFT LCD + Touchscreen for the Raspberry Pi
Featuring a 2.8" display with 320x240 16-bit color pixels and a resistive touch overlay. The plate uses the high speed SPI interface on the Pi and can use the mini display as a console, X...
Mfr Name: Adafruit Industries
Mfr Number: 1601
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83-15683 - Intel Galileo Development Board
Galileo is a microcontroller board based on the Intel® Quark SoC X1000 Application Processor, a 32-bit Intel Pentium-class system on a chip (datasheet). It's the first board based on Intel® architecture designed to be hardware and software pin-compatible with Ardu...
Mfr Name: Intel
Mfr Number: E000037
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50-10145 - Compact 30W Class T Tripath Digital Amplifier
Compact 15W RMS x 2CH Amplifier
Featuring Tripath digital technology, this device provides highly efficient, high quality audio amplification. The extremely small footprint is capable of being powered by eight "AA" batteries, or pick up the Optional 12VDC adapter...
Mfr Name: Stellar Labs
Mfr Number: 50-10145
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83-15553 - PI Camera Box
The 'Nwazet Pi Camera Box' is designed for hosting a Raspberry Pi computer (model A or B) and a Pi Camera module together in a compact and versatile enclosure. This all-integrated design ensures that the camera's fragile ribbon cable doesn't get damaged or exposed...
Mfr Name: Nwazet
Mfr Number: PICAMBOX
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50-14825 - In Wall Volume Control with 15W X 2CH Amplifier and Bluetooth Receiver
Amplified In-Wall Volume Control with Bluetooth
Versatile device is the size of a standard wall volume control, and contains a highly efficient 30W stereo amplifier. It will easily drive up to two pairs of speakers and is perfect for many background music applica...
Mfr Name: MCM Custom Audio
Mfr Number: 50-14825
83-15497 - Pi Rack Accessory board for Raspberry Pi
The PiRack is an expansion board allowing the connection of multiple IO boards to the Raspberry Pi.
This accessory board was designed to be a part of the Pi family and works with the Pi Face board and Camera module
Mfr Name: PiFace
Mfr Number: PI RACK
See all items in Project Labs
25-6075 - Warm White LED Light Kit with 3 LED Strips
Designed for mounting inside cabinets, under counter tops or as an accent for ceiling moldings. This kit includes 3 X 20" Warm White LED light strips that are IP55 rated and designed for indoor use. The LED strips use 15 SMD5050 LED's per strip that have a 3000K l...
Mfr Name: Distributed By MCM
Mfr Number: ES-SD01-WW(3PCS KIT)
See all items in LED Light Strips
30-2400 - CATV Drop / Antenna Signal Amplifier - Bidirectional 54Mhz ~ 1GHz
Bi-Directional Cable Drop Amplifier
Take advantage of our limited opportunity on this high performance signal amplifier from Holland Electronics. Designed for use as a drop amplifier on a distributed cable system, it is suitable for any television application inc...
Mfr Name: Holland Electronics
Mfr Number: HCDA-1FRA-AG
See all items in Bidrectional
28-17913 - Pecan Pi Relay Kit- 6 Relay Board for Raspberry Pi
The Pecan Pi Relay kit is designed to be interfaced with the GPIO connector on the Raspberry Pi board. The Pecan Pi features six normally open relays, each capable of switching up to 12A @ 250VAC. The relays are rated for at least 1.5 million cycles.
Mfr Number: PECAN
See all items in Add-On Boards and Modules
83-15490 - Raspberry Pi Tuxedo Multimedia Case
This beautiful black matte laser-cut case is specifically designed to house a Raspberry Pi with an optional Pi Power Supply. It also accommodates our right-angle stereo cable as well as the Nwazet Pi IR Receiver. The vents ensure that the electronics within the ca...
Mfr Number: PITUX
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83-15554 - PI Camera Wall Mount
Allows tilting and swiveling of the Nwazet Pi Camera Box. Just tighten the thumb screws when you have found the right position and you're done.
Shown with optional Fish-Eye Lens and Camera Box
(Raspberry Pi, Camera board, Lens and Box not included)
Mfr Number: PICAMWALLMNT
310-0093 - Build-it-yourself 3D Printer Kit
A build it yourself 3D printer kit with a print area of 200 x 200 x 200 mm, a heated bed, and the option of using 3 mm PLA or ABS filament. With its extruded aluminum frame, the K8200 is an extremely rigid printer, making it reliable and precise printer even at h...
Mfr Name: Velleman SA
Mfr Number: K8200
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555-11680 - Portable Light Stand - 50lb. Capacity
This adjustable height PAR can stand is perfect for any mobile DJ who utilizes lighting effects, and is suitable for up to four PAR 36, 38 or PAR 56 lamps. Collapsible design and all steel construction provide the ultimate combination of durability and portabilit...
Mfr Number: 555-11680
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28-17918 - Raspberry Pi Project Power Supply
This power supply is designed to provide the Raspberry Pi with a clean and stable power source from a 9V wall-wart such as 9V 1A Power Supply. As you may know, the Raspberry Pi can become unstable when used with power-hungry USB devices and this power supply will ...
Mfr Number: PIPOWER
25-7139 - 16' Rgb 150 Led Strip 12V
The Velleman 16' RGB LED Strips offer an easy way to install accent LED lighting under a counter or for exit lighting.
Mfr Number: CHLS4RGB
Best price and arrived in a hurry! Would definitely order from again.


text:
to be iced out. to have much jewlery on.
me and john were blingin(g) a the club last night
dari midnite><og Kamis, 19 April 2007
Riding down the street in a caddy rolling on 20s sporting flashy metal objects on your person
Yo G, your grill be bling blinging homie
dari SCOTT Y STEPH Minggu, 19 September 2004


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Imagine taking whatever activity you're doing for your child, then multiply it 12 times over. Or 24. That's why teachers ask for seemingly trivial things such as lunches and clothes your child can manage.
One juice box? No big deal. But try stabbing 14 straws into 14 tiny boxes on a time crunch. Individually packaged cheese sticks are tricky, too. Tips: Open the plastic partially before packing the cheese so your child can open it without squawking for assistance along with his pals, or buy cheese in a chunk, slice it and wrap it.
Lunchables may be convenient, although expensive for a parent, but a selection such as a do-it-yourself pizza can be hard for a 4-year-old to put together and eat without dripping tomato sauce on play clothes. Or worse, on a darling new spring outfit.
Kids develop confidence because of achievements both little and large, and packing a lunch that a child can open is one way to develop that self-esteem. In a class of 12 3-year-olds who have an average of four items that need to be opened at one sitting, the child who can help others is a hero at the lunch table.
Over the summer, pack "school lunches" from time to time – even if you detest the chore – and see how your child does at opening everything on a picnic.
Similarly, have your child practice buttoning and zipping this summer. If your child likes to play dress-up and take clothes on and off, all the better for learning self-care skills. Pants with a zipper and belt also fall under the multiplication rule: One is not a big deal for mom or dad, but several kids clamoring for help with their coats or pants keeps a teacher out of her classroom.
If your teacher or day care provider asks you to write your child's name on his lunch box, water bottle and coat, it's not just for kicks. Using a permanent market, write the name of the child, not a sibling. It's to avoid mix-ups of one Spider-Man water bottle with another, or one jean jacket with another, and is another safety step by teachers to keep possessions straight.
Until she had her own preschool classes, one teacher from Richmond, Va., says she could not understand the big deal about her son bringing in a Teenage Mutant Ninja Turtle action figure into class. Then she realized that more rules – such as no toys in school – have to accompany more children. What makes no difference with one child can easily turn into a battle with a group of busy kids.
Similarly, rough-and-tumble play that children sometimes need is OK for kids at home, but it quickly gets out of hand in a classroom. Encourage rule-following in conversations on the way to and from school.
Betsy Flagler is a mother and preschool teacher. Email her at email@example.com.
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Enjoy the discussion.


text:
Hillbillies versus peacocks
Clip Job: an excerpt every day from the Voice archives. October 14, 1971, Vol. XVI, No. 41 films in focus By Andrew Sarris Who would have thought a few years back that in 1971 Peter Bogdanovich would be traveling first-class on the express train of film history while Dennis Hopper was bummi ... More >>
Register behind me bird in Arular's Sunday Illinois woodz machine


text:
Aug. 7, 2013 • The Gold Report • Comment!
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text:
London, 1802
Morality and Ethics Quotes Page 2
How we cite our quotes:
Quote #4
So didst thou travel on life's common way,
In cheerful godliness; and yet thy heart
The lowliest duties on herself did lay. (12-14)
First of all, Milton was a humble guy. He didn't get all up on himself about being an amazing poet or a better-than-average human – no, instead, he chose to live like the rest of us (only better). Furthermore, he took the most humble duties upon himself, and didn't ask for any special treatment.


text: Hillary Clinton 'Huge Supporter' of Amnesty Print article Send a Tip by Tony Lee 18 Apr 2014 post a comment On Thursday, as she gears up for what could be another run at the White House in 2016, Hillary Clinton said she was a "huge supporter" of amnesty. At a New York "No Ceilings" event with her daughter Chelsea, who announced that she was pregnant, an illegal immigrant DREAMer who came out during the question-and-answer session asked Clinton where she stood on the issue. "I have a very different glass ceiling than some of the girls are exhibiting here. For the first time publicly, I want to say that I'm an undocumented immigrant," 19-year-old Nova said, according to the New York Observer. Nova said she came to the country illegally from Croatia when she was five. Clinton called her "incredibly brave" and said she was "strongly in favor" of the Senate's immigration bill that would lower the wages of American workers, according to the Congressional Budget Office. "I think that was a big missed opportunity for our country," Clinton said. "I'm a huge supporter of immigration reform and a path to citizenship and will continue to advocate for that."


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Northland's Bro's Bug Collection is the result of 4 years of intensive research, designing and on the water field testing by Brian "Bro" Brosdahl and the legendary Team Northland Pro Staff. This group of ice jigs feature realistic body features, bulging insect eyes, Super-Glo attractor paints and "match-the-hatch" color patterns that panfish fall victim to.
Northland Bro's Mud Bug Jigs are molded with an upturned 60° Mustad Ultra-Point fine wire hook, and designed with a heavy "fat-head" bug body to imitate insect larvae that hatches out of the mud bottoms.
These jigs come 2 per package.
This is my favorite jig. it almost always produces bites when all others fail.
They have excellent action and they set better than most lures.
the mud bug tipped with just a minnow head outfished live bait 3 to 1 on jumbo perch through the ice. I used grasshopper #12
Thanks Carl
Enter each item individually, then click the "+" or press enter; or type multiple items with a "," between each one.


text:
Home > News > Nation
Sunday January 26, 2014 MYT 12:00:00 AM
Sunday January 26, 2014 MYT 6:53:16 AM
MUAR: Highway concessionaires must continue to improve services and ensure road users are satisfied, said Deputy Prime Minister Tan Sri Muhyiddin Yassin.
"The people should also take the opportunity to make use of the infrastructure provided by the Government such as the new elevated interchange in Bukit Gambir," he said.
The elevated interchange in Bukit Gambir built by PLUS Expressways Bhd at a cost of RM108mil will be opened to traffic today.
The project which began in August 2010 was completed in 38 months.
Located at the 157th kilometre between the elevated interchanges in Tangkak and Pagoh, it will allow motorists just 10 minutes to enter Bukit Gambir town from the North-South Expressway instead of 30 minutes via Tangkak or Pagoh.
Muhyiddin, who launched the new infrastructure, said the interchange was just 5km from the town and would help ease traffic congestion at the Tangkak and Pagoh toll plazas.
Also present were Works Minister Datuk Fadillah Yusof, his deputy Datuk Rosnah Abdul Rashid Shirlin, Minister in the Prime Minister's Department Datuk Seri Abdul Wahid Omar and PLUS chairman Tan Sri Mohd Sheriff Mohd Kassim.
Muhyiddin said the RM108mil project did not include the RM7mil spent by the Federal Government on the acquisition of land.
"I believe the interchange will contribute to the economic growth of Bukit Gambir, encourage new development projects, create more jobs and help the growth of industries especially in the Muar and Ledang districts," he said.
Muhyiddin said good highway networks would allow road users to travel from one destination to another in a shorter time.
For example, the travelling time from Kuala Lumpur to Johor Baru used to take eight hours but this was reduced to four hours now with the North-South Expressway.
He said PLUS' efforts included the upgrading of rest areas in Pagoh and Macap.
The Bukit Gambir interchange is among three elevated interchanges built at a cost of RM250mil by PLUS for the convenience of North-South Expressway users.
The other two elevated interchanges are in Sungai Buaya in Selangor and Alor Pongsu in Perak.
Tags / Keywords:
Government, PLUS, DPM Muhyiddin Yassin, Muar
Muhyiddin: English a must-pass subject when teachers and students ready
Party must be brave to change, says Muhyiddin
Umno must show it has guts to stay relevant, says Muhyiddin
Muhyiddin: Opposition must be responsible to ensure peaceful rally
Muhyiddin: Malaysia, Indonesia must foster better ties
Mine has no signage and is difficult to find
Police release full list of Sarawak coal mine blast victims
Sarawak coal mine ordered to be temporarily closed
Minister: Public facilities are dirty, disgusting and mostly unsafe
Tengku Adnan: Economic divide big challenge for city Malays
Najib: Umno leaders must be intellectual to win urban votes
Kenya, via its capital Nairobi, is captivating
Paint your nails in gorgeous Christian Louboutin colours
Iniesta out of Barca's Champions League game at APOEL
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text:
Weve heard rumors that one of the citys perennial best dive bars, the Holiday Cocktail Lounge, has closed at least temporarily (Nate Hill had to move his mascot gathering from the location after he noticed it was shuttered last Friday night), and now Jeremiahs Vanishing hears that octogenarian owner Stefan Lutak is in the hospital. This news is beyond distressing, especially with the Holland Bar gone and the fate of Rubys hanging in the balance (Thor has now posted No Trespassing signs on its boardwalk properties). On the off chance you havent set sticky foot into the Holiday, you need only read JVNYs history to find out why it would be tragic if it, too, bit the dust. But lets not jump to conclusions Lucys, another Eastern European long-runner, gave us a scare last summer but is up and running again. Heres hoping Lutak bounces back and is snatching up everyone's half-empties again shortly.
Holiday Cocktail Lounge [Jeremiah's Vanishing New York]


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Challenge level:
Seven small rectangular pictures have one inch wide frames. The
frames are removed and the pictures are fitted together like a
jigsaw to make a rectangle of length 12 inches. Find the dimensions
of. . . .
Can you maximise the area available to a grazing goat?
You can move the 4 pieces of the jigsaw and fit them into both
outlines. Explain what has happened to the missing one unit of
What are the areas of these triangles? What do you notice? Can you generalise to other "families" of triangles?
Is it possible to remove ten unit cubes from a 3 by 3 by 3 cube made from 27 unit cubes so that the surface area of the remaining solid is the same as the surface area of the original 3 by 3 by 3. . . .
It is possible to dissect any square into smaller squares. What is
the minimum number of squares a 13 by 13 square can be dissected
Draw some isosceles triangles with an area of $9$cm$^2$ and a vertex at (20,20). If all the vertices must have whole number coordinates, how many is it possible to draw?
Do you know how to find the area of a triangle? You can count the
squares. What happens if we turn the triangle on end? Press the
button and see. Try counting the number of units in the triangle
now. . . .
This rectangle is cut into five pieces which fit exactly into a triangular outline and also into a square outline where the triangle, the rectangle and the square have equal areas.
Points P, Q, R and S each divide the sides AB, BC, CD and DA respectively in the ratio of 2 : 1. Join the points. What is the area of the parallelogram PQRS in relation to the original rectangle?
It's easy to work out the areas of most squares that we meet, but
what if they were tilted?
How efficiently can you pack together disks?
Have a go at creating these images based on circles. What do you notice about the areas of the different sections?
The area of a square inscribed in a circle with a unit radius is,
satisfyingly, 2. What is the area of a regular hexagon inscribed in
a circle with a unit radius?
Polygons drawn on square dotty paper have dots on their perimeter
(p) and often internal (i) ones as well. Find a relationship
between p, i and the area of the polygons.
A red square and a blue square overlap so that the corner of the red square rests on the centre of the blue square. Show that, whatever the orientation of the red square, it covers a quarter of the. . . .
Semicircles are drawn on the sides of a rectangle ABCD. A circle passing through points ABCD carves out four crescent-shaped regions. Prove that the sum of the areas of the four crescents is equal to. . . .
Make an eight by eight square, the layout is the same as a
chessboard. You can print out and use the square below. What is the
area of the square? Divide the square in the way shown by the red
dashed. . . .
A point P is selected anywhere inside an equilateral triangle. What
can you say about the sum of the perpendicular distances from P to
the sides of the triangle? Can you prove your conjecture?
This shape comprises four semi-circles. What is the relationship
between the area of the shaded region and the area of the circle on
AB as diameter?
How have "Warmsnug" arrived at the prices shown on their windows? Which window has been given an incorrect price?
Investigate how this pattern of squares continues. You could
measure lengths, areas and angles.
What is the ratio of the area of a square inscribed in a semicircle to the area of the square inscribed in the entire circle?
ABC and DEF are equilateral triangles of side 3 and 4 respectively. Construct an equilateral triangle whose area is the sum of the area of ABC and DEF.
Prove that a triangle with sides of length 5, 5 and 6 has the same area as a triangle with sides of length 5, 5 and 8. Find other pairs of non-congruent isosceles triangles which have equal areas.
Determine the total shaded area of the 'kissing triangles'.
If you have only 40 metres of fencing available, what is the maximum area of land you can fence off?
A square of area 40 square cms is inscribed in a semicircle. Find
the area of the square that could be inscribed in a circle of the
same radius.
A hallway floor is tiled and each tile is one foot square. Given
that the number of tiles around the perimeter is EXACTLY half the
total number of tiles, find the possible dimensions of the hallway.
In this problem we are faced with an apparently easy area problem,
but it has gone horribly wrong! What happened?
A tower of squares is built inside a right angled isosceles
triangle. The largest square stands on the hypotenuse. What
fraction of the area of the triangle is covered by the series of
Can you find rectangles where the value of the area is the same as the value of the perimeter?
Can you work out the area of the inner square and give an
explanation of how you did it?
Which is a better fit, a square peg in a round hole or a round peg
in a square hole?
A follow-up activity to Tiles in the Garden.
You have a 12 by 9 foot carpet with an 8 by 1 foot hole exactly in
the middle. Cut the carpet into two pieces to make a 10 by 10 foot
square carpet.
Can you find a general rule for finding the areas of equilateral
triangles drawn on an isometric grid?
At the corner of the cube circular arcs are drawn and the area enclosed shaded. What fraction of the surface area of the cube is shaded? Try working out the answer without recourse to pencil and. . . .
Cut off three right angled isosceles triangles to produce a
pentagon. With two lines, cut the pentagon into three parts which
can be rearranged into another square.
Investigate the different ways of cutting a perfectly circular pie into equal pieces using exactly 3 cuts. The cuts have to be along chords of the circle (which might be diameters).
Which has the greatest area, a circle or a square inscribed in an
isosceles, right angle triangle?
Three squares are drawn on the sides of a triangle ABC. Their areas
are respectively 18 000, 20 000 and 26 000 square centimetres. If
the outer vertices of the squares are joined, three more. . . .
Derive a formula for finding the area of any kite.
A circle is inscribed in a triangle which has side lengths of 8, 15
and 17 cm. What is the radius of the circle?
Follow the instructions and you can take a rectangle, cut it into 4 pieces, discard two small triangles, put together the remaining two pieces and end up with a rectangle the same size. Try it!
An activity for high-attaining learners which involves making a new cylinder from a cardboard tube.
This article, written for teachers, discusses the merits of different kinds of resources: those which involve exploration and those which centre on calculation.
Can you find the area of a parallelogram defined by two vectors?
Given a square ABCD of sides 10 cm, and using the corners as
centres, construct four quadrants with radius 10 cm each inside the
square. The four arcs intersect at P, Q, R and S. Find the. . . .
What is the same and what is different about these circle
questions? What connections can you make?


text:
Yes appears someone has gone to sleep in the communications area, nothing since late November ( http://www.cpsu.org.au/news/new-actps-agreements-are-way ) with indications that it would all be finalised for February.
there hasn't been official consultation on the final agreement to allow for the vote. then presuming there is a majority backpay will follow. based on all the mandatory timeframes this won't happen till at least March, just in time for the first salary bump (oh I would hate to be in payroll then).


text:
Wyngate Apartments
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Fax: (623) 546-3316
Wyngate Apartments offers 1, 2 & 3 bedroom luxury apartments for rent in Suprise, AZ. Amenities include fully equipped kitchens, Black GE Appliances, custom cherry cabinets, walk-in closets w/ custom shelving, insulated windows, resort style pool & spa w/ outdoor fireplace & internet access, BBQ grilling areas, 24hr fitness center, elegant clubhouse w/ kitchen, plasma TV & DVD, private garages and easy access to shopping, dining, freeways.
Floorplans and Pricing
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|$1145 - $1335
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Features and AmenitiesBack to Top
Special Features
- 1, 2 & 3 Bedroom Apartments for Rent
- Oversized Walk-in Closets with Custom Shelving
- Full-size Washer/Dryer
- Custom cherry cabinets & Black GE appliances
- Energy-efficient insulated windows
- Generous pantry with adjustable shelves
- Roman soaking tub & faux granite vanities in baths
- Resort-style pool and spa with outdoor fireplace
- Wireless Internet access at pool
- Private detached garages with opener*
- Elegant clubroom with kitchen, plasma TV and DVD
Community Features
- Accepts Credit Card Payments
- Apartment
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Apartment Amenities
- Air Conditioning
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Additional Information
Year Built: 2008
Apartments in Community: 168
Pet Policy
2 pet limit per apartment. No weight restrictions. $20 monthly pet rent per pet. $150 Pet Fee per pet. $150 Pet Deposit per pet. Wyngate accepts all breeds of cats and dogs, except for pure breeds or mixed breeds of any of the following: Akita, Bulldaog, Chow, Doberman, German Shepard, Great Dane, Siberian Husky, Alaskan Malamute, Pit Bull, Torrweiler, St. Bernard, and Wolf Dog Hybrids. Pets must be at least one year old, spayed or neutered with current rabies shots.
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text:
Cheery little blueberries. I try and use a two to one ratio of blueberries to zabaglione, but I highly recommend experimenting. Lots and lots of experimenting.
Strawberries and blackberries are also fabulous with zabaglione. Or peaches! Peaches just occurred to me as I was typing! I'm definitely trying this next with peaches!
If you want to give your lucky eaters a generous serving of zabaglione you can dish it out in a champagne glass or a little ice cream dish as in the picture above. But if you want just a little perfect taste of something sweet after a big dinner, I often serve it in shot glasses. Fill them two thirds of the way with blueberries or chopped strawberries, then spoon over a couple or three tablespoons of warm zabaglione. Just. Plain. Perfect.
I'm off to find some peaches now!


text:
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Family weekend getaway
This house is everything it is advertised and much much more. We went for a family getaway, we had from a 3 year old to 80 years old and everyone had a great time. There is so much to do we didn't even leave the property. It was a beautiful fall weekend, the views were spectacular. There is so much room in the this house and it is set up for big groups. From the complete kitchen, the great deck and grill, to the Tavern downstairs, every room is put together to make you feel at home. There is a lot of "stuff" but that is what is so charming and interesting. We will book again. Great job Chris!


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All material herein © 2005 – 2014 Agoda Company Pte. Ltd., All Rights Reserved.
AGODA ® is a registered trademark of AGIP LLC, used under license by Agoda Company Pte. Ltd. Agoda is part of


text:
A method and system is described for person-to-person and person-to-entity cash-transfer via ATMs. Beneficially, at the system endpoints (cash in, cash out) the remitter and receiver can each interact with the system without requiring interactions with local operators and without having any pre-existing user accounts.
1. A method for facilitating cash transfer comprising:
(a) at a first automated teller machine (ATM),
(i) receiving an instruction to begin a cardless cash transaction, the first ATM being configured to interact with a remitter through one or more user input and output devices to facilitate the cardless cash transaction, wherein the first ATM is configured to facilitate the cardless cash transfer without the remitter having a pre-existing user account;
(ii) receiving a deposit of cash from the remitter, wherein at the first ATM, the remitter provides a payment schedule that includes a payment structure including a plurality of partial payouts of the cash deposit to be available at the receiver at specified dates;
(iii) providing a confirmation code to the remitter; and
(iv) sending an indicator to a network server including an indicia of the cash deposit and an indicia of the confirmation code;
(b) at the network server,
(i) creating a temporary cash account based on the cash deposit; and
(ii) revealing the temporary cash account to an interbank network;
(c) at a second ATM,
(i) receiving an instruction to begin a cardless cash receipt transaction, the second ATM being configured to interact with a receiver without the receiver having a pre-existing user account;
(ii) receiving an identifier including the confirmation code;
(iii) accessing the temporary cash account through the interbank network;
(iv) providing cash output to the receiver; and
(v) sending an indicator of the cash output to the interbank network.
2. The method of
3. The method of
sending an encrypted confirmation code to the interbank network; and
receiving an indication from the interbank network of the temporary cash account.
4. The method of
at the first ATM, receiving receiver identification information from the remitter, the receiver identification information including a location selected from the group consisting of a city, state, and a country where the receiver will receive the cash output.
5. The method of
6. The method of
7. The method of
8. The method of
9. The method of
10. The method of
11. The method of
12. The method of
13. The method of
14. The method of
15. The method of
16. The method of
determining a local currency of the second ATM;
converting an amount to be distributed to the receiver to the local currency using an exchange rate; and
providing the cash output in the local currency.
17. The method of
18. The method of
19. A system for facilitating a cash transfer, the system comprising:
a first automated teller machine (ATM) configured for interacting with a remitter through user inputs and user outputs, the first ATM including a cash receiver for receiving and counting a cash deposit from the remitter without requiring the remitter to have a pre-existing account and further including program code stored on a machine readable device for controlling (i) reception of a cash transfer instructions from the remitter and (ii) delivery of transfer confirmation to the remitter, wherein the first ATM is further configured to receive from the remitter a payment schedule that includes a payment structure including a plurality of partial payouts of the cash deposit to be available at a receiver at specified dates;
a first sewer communicatively coupled with the first ATM, the first server configured to create a temporary cash account based on receiving an indication of the cash deposition and the transfer confirmation from the first ATM;
a network communicatively coupled with the first server for providing access to a plurality of user end-points for receiving the cash transfer; and
a second ATM configured for interacting with the receiver through user inputs and user outputs, the second ATM configured to allow the receiver to obtain a cash output from the second ATM within parameters set by the cash transfer instructions from the remitter to the first ATM without requiring the receiver to have a pre-existing account, wherein the second ATM is configured to verify that the receiver is an intended receiver of the cash output.
20. The system of
a database accessible from the first ATM, the database being configured to store payee information for the remitter; and
an input interface on the first ATM for allowing the remitter to select a payee from the database, wherein at least a portion of the cash deposit is transferred to the payee.
21. The system of
22. The system of
23. The system of
24. The system of
This application claims the benefit of U.S. Provisional Patent Application No. 60/710,901 filed Aug. 24, 2005.
This invention relates generally to person-to-person and person-to-entity funds transfers and more specifically to wholly and partially automated cardless cash transfers.
An automated teller machine (ATM) is an electronic device that allows a bank's customers to make cash withdrawals and check their account balances without the need for a human teller. Many ATMs also allow people to deposit money, transfer money between their bank accounts or even buy postage stamps. The first ATM was reportedly installed in London in 1967 by Barclay's bank. Today, ATMs are ubiquitous, with millions distributed throughout the United States and the world.
Many ATMs are associated with an individual bank. However, most ATMs are connected to an interbank network that enables customers to interact with money from machines not belonging to the bank where they have their account. Thus, a customer may take advantage of an entire network of ATMs even though the customer may have an account at only one bank.
In most modern ATMs, the customer identifies him or herself by inserting a plastic card with a magnetic stripe that contains an account number. The customer then verifies his or her identity by entering a four-digit passcode that is known as a PIN.
For years, ATMs have been configured to accept envelopes containing deposits. However, only recently, ATM technology has improved so that ATMs can now count cash on deposit and accept cash deposits along with check deposits.
Current ATMs and banking systems are designed for individual users who are already registered participants in the system. I.e., the banking system is generally directed toward individuals with bank accounts, checking accounts, credit cards and/or debit cards. However, the population includes a large number of individuals who are not registered with a financial institution and who do not possess the necessary bank accounts to perform daily bank transactions. These people use cash for purchases, bill payments, and for their other monetary transactions.
The exclusive use of cash payments has a number of problems. First, sending cash through the mail is highly discouraged because the cash may be stolen before reaching its destination, the mailing takes time to be shipped and may arrive late, and the sender is not provided with any receipt. (Even if the sender receives a receipt confirming delivery, the receipt does not prove that the necessary amount of cash was in the mailing). Thus, cash transactions are currently conducted face-to-face. However, face-to-face transactions require the person paying to be present�often a difficult task when the payer works a full-time job or in emergencies. Yet, late payment of taxes or utilities may result in service interruptions. In addition, quite often, the payer will have a need to transfer funds to a remote location such as another city or even another country that may be thousands of miles away.
A payer may use a non-bank financial institution, such as Western Union, to send money that is urgently needed to accommodate the beneficiaries' immediate needs such as to pay for food, education, books, and college tuition. The non-bank financial institution provides some convenience by remaining open later than normal banking hours and may allow transactions to be conducted without a standing account. However, the user is still bound by the working hours of the non-bank financial institution, long lines, higher fees due to the personal service and product monopoly, lack of competition due to the barriers to entry, potential lack of security, poor customer service, and lack of support for multiple languages. In addition, there is usually a longer time window needed to conduct the payment of funds and transfer of cash with the non-bank financial institution. Barriers also exist on the receiver-end. For instance, the receiver will need to wait in line to present a confirmation number sent to them by the payer. If the confirmation number is wrong then they will not get their money. Tellers can type in the wrong confirmation number even though the receiver of funds has the right number. Language barriers often further exacerbate this problem. With these and other issues in mind, a real need exists for a new cash transfer and payment system.
A method and system is described for person-to-person and person-to-entity cash-transfer via ATMs. Beneficially, at the system endpoints (cash in, cash out) the remitter and receiver can each interact with the system without requiring interactions with local operators and without having any pre-existing user accounts.
In an exemplary embodiment, a remitter arrives at a first automated teller machine (ATM) with cash in-hand, but perhaps without any pre-existing user account with the first ATM, any bank associated with the first ATM, and perhaps with any bank at all. The first ATM is thus configured to interact with the remitter through user inputs and user output devices, such as a screen, keypad, speaker, microphone, etc., to facilitate a �cardless� cash transaction. I.e., a cash transaction that does not require that the remitter have a financial card.
At the first ATM, the user may initiate the cardless cash transfer by, for example, pushing a predetermined button on the first ATM or by other action. The remitter may then work through a series of prompts at the ATM until ultimately providing a deposit of the cash in a hopper or other cash receiving device. The ATM, in turn, counts the cash deposit and provides the user with a confirmation code that may serve as a pass code for the receiver. The remitter may provide many types of information to the first ATM during the transfer, including information about the remitter, the receiver or other payee, a payment structure or schedule, and receipt locations, for instance.
The first ATM communicates information regarding the cash deposit to a network server that creates a temporary cash account that is an electronic account and serves essentially to hold the deposit in trust until it is removed by the receiver or by other means. The network server may also be aware of the confirmation code that may be used as a key or passcode for accessing the account or monies therein.
The network server may also be communicatively coupled with a network for providing access to a plurality of user end-points for receiving the cash transfer. The network may be an interbank network that provides access to a large plurality of end-points such as ATMs, banks and other sources.
A second ATM may be accessible to the receiver and may allow the receiver to begin a cardless cash receipt transaction without the receiver having a pre-existing account. At the second ATM, the receiver may provide identification information, including the confirmation code and perhaps including other materials like a name, an identification card, etc. This identification information is used to identify and access the temporary cash account through the network and to provide a cash output to the receiver.
In addition to being available for a cash receipt, the cash deposit may, at the instruction of the remitter, be made available for other purposes and may be transferred to other accounts or mailed to pay bills. Potential uses for the system would include transferring money, paying bills, paying rent, sending money to college, gifts, etc. Although not required, customer profiles may be stored so that full data is not re-entered each time.
The present disclosure also provides the electronic transfer of cash utilizing an interactive �ATM E-Teller� professional (human operator) that operates from a remote location (such as a central base) and that is activated via the ATM and seen on a display of the ATM for interactively initiating a cardless financial transaction at a first ATM or for receiving funds at a second ATM (domestically or internationally). The interactive �ATM E-Teller� professional may instruct senders and receivers in their own language from the ATM Machine anywhere in the world.
Additional features and advantages of the invention will be set forth in the description which follows or will be understood by persons having ordinary skill in the art. The objects and advantages of the invention may be realized and obtained by means of the instrumentalities and combinations particularly pointed out hereinafter. The invention itself, however, is defined by the claims.
This disclosure addresses several problems with a unique program, system, and process to provide for secure and user-friendly fund transfers. An exemplary embodiment of the present invention builds on capabilities of the Automated Teller Machine (ATM) system. The system embodiment would reside on top of the current ATM network, although certain embodiments would require installing new ATM capabilities and ATM network capabilities.
The embodiment transforms the basic ATM into a fully serviceable banking station that helps a cash remitter to process cash transfers, utility payments, mortgage payments, rent payments, tax payments, insurance payments, credit card payments, and international funds transfers via the �ATM E-Teller� functions and/or additional technology provided.
It is expected that the embodiment will be used for the purpose of transferring cash from one ATM to another ATM and/or for making specific payments desired by the sender of cash. The specific payments, for instance, may include the remitter making a rent payment, tuition payment, insurance payment, utility payment, child support, tax payment, etc. One or more network entities may be responsible for accounting, system, database storing, retrieving, and archiving of customer information, including both public and private information. Of course, the information must be supplied by the owners of the information�likely during ATM transactions. The network entities may also be responsible for system connections and processes for facilitating the dialogue between an ATM E-Teller professional and a customer at the ATM.
In an embodiment, the ATM E-Teller professional is a live person who may talk and assist a customer from a central location and who can facilitate customer service via the ATM Network. This method can provide greater flexibility, faster service, round-the-clock availability, and more security than traditional banks or local money transmitters. Allowing a customer to talk with an ATM E-Teller professional when conducting a transaction will also be helpful for customers when problems arise at an ATM.
I. ATM E-Teller
A pool of �ATM E-Teller� professionals who are knowledgeable in the functions of the cash transfer system may be at a central location. A person using an ATM may then take advantage of the E-Tellers through user inputs and user outputs of the ATM. These ATM E-Tellers may also have access to a database of preloaded customer profiles to further facilitate the processes of assisting customers.
When the remitter begins at an ATM, the ATM provides information regarding the ATM E-Teller and regarding initiation of a cash transaction. When a connection is established, the ATM E-Teller professional may talk with the remitter in the language of the remitter. The remitter may provide information about themselves and about the beneficiary of the cash transfer. In various embodiments, the ATM E-Teller professional may interact with the remitter through the ATM.
The remitter once providing all of the pertinent information to properly send money may receive either an on-line confirmation of the stated information or a printed confirmation at the primary ATM (initiating ATM Machine). The remitter may then be given an opportunity to modify information through the ATM E-Teller who will make the appropriate changes. Otherwise, the next step may be for the remitter to deposit cash into the ATM Machine. Once the amount is deposited the ATM E-Teller will print a confirmation of all of the information provided by the sender and the amount of money sent. The confirming receipt may have a unique alpha/numeric identification number that is created by the system, utilizing the information the sender provides. This identification number is preferably a unique identification number used solely for the instant transaction. The unique number may be important because once the number is provided by the beneficiary to the ATM E-teller professional, that number may be used to access the cash for the beneficiary�from anywhere around the world. In addition, the ATM operator may be able to initiate a digital picture of the beneficiary and send it to the sender for release of a transaction. Alternatively, an identification of the beneficiary may be scanned by the ATM and thus provided to the remitter or stored for later use. Once the identification number is given and proper identification has been provided, the ATM can direct cash to be released from any ATM around the world.
In an embodiment, each ATM may be configured as both a cash collection station and cash disburser via the controls of the �ATM E-Teller� or as otherwise described herein. As such, disclosed herein are both the interface that a customer may use to interact with the ATM and the back-office functions that may be necessary to complete the system functions.
Further functions of the ATM E-Teller include controls at the operator's device that allow initiation of a print-out (either at the ATM or operator device) of the stored information for review. In an embodiment, the user may be required to explicitly authorize such an action. The operator can also control user output functionality at the ATM such that, for instance, the operator may cause user information to be displayed on an ATM screen�including a first and last name of the beneficiary, beneficiary invoice number, beneficiary telephone number, and/or beneficiary location, for example. This information may be used for verification (e.g., to match information from a central customer/payment database).
In another embodiment, the E-Teller operates through a virtual avatar that is viewable on the ATM screen. The virtual avatar may use (intelligent) software to guide the user through the cash transfer process. The avatar may include audible input mechanisms for allowing voice operation by the user.
II. Operation of the System from a User Perspective
The operator will request that the remitter set up sender and/or receiver profiles (215) unless they already exist in a database (e.g., the centralized database). In order to set the profiles, the operator requests name, address, phone number, and optional account number to complete the remitter's and receiver's profile in the database (225). The remitter is then instructed to enter the transfer amount (235). The operator instructs the remitter to insert the money into the hopper (245), which will count the bills. The first ATM then counts the money. The amount entered is matched to the amount that the ATM counted (250). If the amounts match (255), an (encrypted) confirmation number is created�perhaps a unique number based on receiver profile, timestamp and amount in order to be printed on a (paper) receipt. If the cash deposited in the hopper is less than the amount keyed-in, the operator asks if the remitter would like to deposit more cash (265). The remitter deposits more cash into the hopper (270) and the amount verification process (255) is repeated. If the cash deposited in the hopper is greater than the amount keyed-in, the remitter is asked if they want to create a transaction for the amount of cash deposited. If the remitter does not want to create a transaction based on the amount of cash entered, then the transaction is cancelled and the cash is returned (280).
At the step where the remitter is asked if they want operator assistance (200), they also have a choice of walking through a brief tutorial (205) or entering the information themselves (210). By selecting a tutorial, the first ATM prompts the remitter through a tutorial on use of the system as embodied by the first ATM (220). If the remitter selects to enter the information without operator assistance the following sequence of events would take place.
The remitter may then be prompted to enter the amount of the funds transfer (310). The remitter deposits the cash into the hopper (315), which will count the bills. The �cash deposit capable ATM� then counts the money. The amount entered is matched to the amount that the ATM counted (320). If the amounts match (330), an encrypted confirmation number is created based on receiver profile, timestamp and amount in order to be printed on a receipt. If the cash deposited in the hopper is less than the amount keyed-in (335), the remitter is prompted to deposit more cash (315). The remitter deposits more cash into the hopper (315) and the amount verification process (330) is repeated. If the cash deposited in the hopper is greater than the amount keyed-in, the remitter is prompted to create a transaction for the amount of cash deposited. (350) If the remitter does not want to create a transaction based on the amount of cash entered, the transaction is cancelled and the cash is returned. (355).
The local currency of the receiver ATM will preferably be used when providing cash to the receiver. Thus, if the ATM is in Poland then the receiver will receiver Polish currency. If the ATM is in the U.S. then the receiver will receive US Dollars or if the ATM is in Mexico then the receiver will receive Pesos.
III. Customer and Payee Profiles:
On the network side, the creation and utilization of a centralized database can allow for tracking of users and transactions via customer profiles and thus allow for compliance with government regulations and match their customer list to the current Office of Foreign Asset Control (OFAC) list. The customer profiles could be used for the following as well as other uses:
Landlord and tenant profiles�A landlord can set up a profile with a receiving account for rent payments. The landlord could require their tenants to set up a sender or remitter profile so that they need not have to physically collect rent each month. The renter could deposit cash at an ATM and have the funds deposited directly into the landlord's bank account.
Customer profiles and Automatic Clearing House (ACH) deposits directly into receiver checking accounts�A customer sending cash funds can now have the funds deposited directly into another person's bank account. Phone ACH money transfers and payments�A customer paying a bill or sending money could pay any of their bills from any location by using a telephone.
Bill payment profiles�By creating bill payment profiles, a customer would have many of the same bill payment capabilities as a person using inline Internet banking without owning a PC.
Money transfer profiles for senders and receivers�This allows people to consistently transfer funds to the same receivers, and have the convenience of having profiles set up and available to use for quick transactions.
In yet another embodiment, the system is configured to allow the remitter to schedule payments at a later date during the transfer setup. In addition, the schedule may allow for multiple payments to one or more recipient�each payment only disbursing a part of the entire fund. Once a partial payment is made, the system may store information for the next scheduled payment (e.g., remaining funds) and deduct the partial payment from the balance in a temporary fund. A notice may be delivered to the remitter after a first partial payment indicating an updated payment structure.
IV. Exemplary Architecture
In the embodiment, the first ATM 510 may be configured for interacting with a first user through user inputs and outputs on the first ATM. The first ATM 510 may also include a cash receiver for receiving cash and for counting a cash deposit received from the first user without requiring that the first user have a pre-existing account. The first ATM 510 may also include program code stored on a machine readable device (such as a data store in the first ATM 510). The program code may provide functionality for the first ATM to control reception of cash transfer instructions from the first user (e.g., instructions for how the transfer should proceed) and delivery of a transfer confirmation (e.g., confirmation code) to the first user.
The server 530 may be configured to create a temporary cash account based on receiving an indication of the cash deposit from the first ATM 510. A preliminary temporary cash account may be created at the server when the first user at the first ATM 510 begins the cash transfer process, and then the temporary cash account may be finalized when the server 530 receives an indication from the first ATM 510 that the first user has completed his or her portion of the cash transfer. The server 530 may also receive an indication of the transfer confirmation from the first ATM 510.
The second ATM 520 may be configured to allow a second user to obtain a cash output within parameters set by the cash transfer instructions from the first user at the first ATM 510 without requiring the second user to have a pre-existing account. The second ATM 520 is configured to verify that the second user is an intended receiver of the cash output and, upon verification, to provide the cash output.
As shown, the first and second ATMs 510, 520 may be part of a network of end-point devices 575 that may include any number of ATMs, cash stations, banks, and other locations where a user may either provide a cash deposit or receive a cash transfer. In a further embodiment, a larger network of end-points (not shown) may also include bill payment systems, bank accounts, ACH accounts, etc.
If the server 530 is closely associated with the first ATM 510 then there may be a more direct connection 570 between the two network elements. As an example, the server 530 may be associated with the same bank as the first ATM 510 and the two may have a direct communication link. Alternatively, or further, the communication link 570 may represent a secure tunnel to allow secure communication between the first ATM 510 and the server 530. Similarly, a direct communication link 565 is shown between the server 530 and the data store 540.
The operator device 560 may be an end-point computer that allows a live operator at a remote location to interact with users at the first and second ATMs 510, 520. In an embodiment, the operator device 560 includes a digital video camera and audio recorder for capturing a voice and video output from the live operator to be displayed/outputted at the respective ATM. (e.g., via streaming video). In the preferred embodiment, equipment at the respective ATM coupled with the network 550 and the operator device 560 allow for an interactive communication between a user (customer) and an operator.
Further, the operator device 560 may allow the live operator to control aspects of the user ATM session. For instance, the user may indicate to the live operator an amount of cash that will be deposited. The live operator may then enter that amount into the operator device 560, and the amount may then be sent via a packet network back to the ATM.
Systematically, the server 530 creates a temporary account for the remitter that may be a sub account of the managing company's main account. As new remitters use the system, the server 530 creates sub-accounts for each individual transaction. Once the funds are liquidated, the accounts are purged from the system.
In a preferred embodiment, the accounts are on the system for no longer than 30 days and a remitter could then reclaim funds via a specific encrypted unique identifier word/number provided by the system when the transaction was generated from the system at the time of the initiation of the fund transfer.
V. Exemplary User Inputs and Outputs
VI. Exemplary ATM
The software may also include code for requesting and storing profile information (956). In the various embodiments, the user may enter profile information through any number of means including a keypad, virtual keypad through the display, audibly, scanned or other ways known to those skilled in the art. The user may provide profile information both for the user (payer) and for a beneficiary and any other payees. These data may be stored in a database, preferably on a network entity so that the data would be available at another end-point.
The software may also include code for providing a confirmation code to the user (958). The confirmation code may be calculated at either the ATM or at another network device, such as the network server. The confirmation code is preferably calculated as a unique identifier and provided to the user so that the user can provide the code to a beneficiary who can then use the code to access the monies from another location (through another ATM).
The software may also include code for sending an indicator to a network server, the indicator including an indicia of the cash deposit and an indicia of the confirmation code (960). The indicator may be used at the network server to open a temporary account and may also be used as a key for providing access to the account.
The software may also include code for providing an interactive ATM E-Teller session between the user and a live operator who is located at a remote location (962). As described herein, the live operator may provide assistance to the user in completing the cash transfer and may control user inputs so that the user can complete the cash transfer without having to key-in any data or other information (or at least only a limited amount).
VII. Operation of a Cash Transfer Transaction
At a first ATM, the first ATM receives an instruction to begin a cardless transaction without a remitter being required to have a pre-existing user account (970). The first ATM then receives a deposit of cash from the remitter (972) and provides a confirmation number to the remitter (974). An indicator including an indicia of the cash deposit and an indicia of the confirmation code may be sent to a network server (976). In an embodiment, the indicator is sent in a two step process (or multi-step). In yet another embodiment, the confirmation code (and perhaps other information) is sent as an encrypted message. The encrypted message may be sent through the interbank network.
At the network server, the network server creates a temporary cash account based on the cash deposit (978). The temporary cash account may be in the name of the remitter or be given another alphanumeric identifier. The network server then reveals the temporary cash account to an interbank network (980). Revealing the temporary cash account to the interbank network allows other ATMs and third-party end-points to access the temporary cash account and withdraw monies (once properly verified).
At a second ATM, the second ATM receives an instruction to begin a cardless cash receipt transaction (982). The cardless cash receipt transaction is initiated by a receiver to obtain at least a portion of the cash deposit deposited by the remitter at the first ATM. The second ATM then receives an identifier including the confirmation code from the receiver (984). The identifier is used to verify that the cash should be released to the receiver. In an alternative embodiment, other data or identifiers may be used for this same purpose.
The second ATM is then able to access the temporary cash account through the interbank network (986). Of course, during the access, the network server (or other entity) will guarantee that the second ATM should be given access to the temporary cash account. In an embodiment, access will be granted if the second ATM sends an encrypted confirmation code to the network server (via the interbank network). At that point, the network server may sent an indication of the temporary cash account to the second ATM (again via the interbank network). The indication of the temporary cash account may include an amount and an authorization to release cash up to the amount.
If the second ATM is able to access the temporary cash account, then it will provide a cash output to the receiver according to the instructions provided by the receiver and the limitations on the temporary cash account (988). When completing the transaction, the second ATM may provide an indicator of the cash output to the interbank network (990). The indicator of the cash output may be useful for the network server to close the temporary cash account or to provide a reporting to the remitter or other entity.
VIII. Conclusions
As will be apparent to one skilled in the art, many changes can be made to the described embodiments of the invention without departing from the scope thereof. It is intended that all matter contained herein be considered illustrative of the invention and not in a limiting sense. Parentheses are occasionally used within the description to indicate optional embodiments. For instance �an (encrypted) code� provides disclosure for a code that is encrypted in some of the embodiments.
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