text:
CC processing companies?
Find a Conversation
|Fri, 03-29-2013 - 1:53pm
This isn't really debt related. We are just getting our business going and figure that we need to be set up to accept credit cards. I'm looking for any input in regards to what to look for in a credit card processing company, what to look out for, etc. I've done a few hours of research and it's very confusing how many different companies there are and all the rates and terms are different between them, so it is very difficult to compare.
I'm in Canada and I've read that processing fees charged to retailers in Canada are some of the highest in the world; I've also read a couple of (legitimate media) horror stories, so I have a lot of fear of getting into a bad contract of some sort.
I asked at our credit union and spoke to the merchant rep. for the company the CU is partnered with. It sounded good, $5/month account fee and $5 "maintenance fee" for the "free" terminal, but he didn't mention the $350 set up fee for the terminal....I've since spoken to a merchant who uses that company and she said she can't recommend them because their fees are very high. They are a well known global company...and I couldn't work out what I would be charged in fees from the info that I received from this company.
In terms of customer perceptions of a business & customer trust, my partner feels that the card readers that plug into an iPhone look "cheap" and that customers will not trust that their data is secure, compared to a traditional counter top terminal. I'm wondering what people think of that idea. From what I have read, the cost to get set up this way is very minimal, and these iPhone readers have a set % fee. My research has come up with an average 4-6% fee for countertop terminals once all the fees are added up, although they advertise around a 1.8% fee.
If anyone can recommend a Canadian company or wants to venture an opion on perceptions of card readers used with an iPhone I'd appreciate any input. Thanks!
|Mon, 04-01-2013 - 12:43pm
Me again...
I just kind of assumed retail when you said store front. Hence, my concern with buying a shirt and having issues returning it because I didn't get my "e-mail receipt."
I think under the circumstances, you have a little leway on this one. I would take Arryl's advice and find out if you can print with a wireless printer. I still kind of like a printed receipt when I use my credit or debit card.
Although I did start thinking about it, and before our CC system went on-line, I used to have to hand write everything and then go home and call it in. They didn't get a receipt. Granted, this is direct sales in customers homes, but point being that there are circumstances where people don't expect a "real" receipt.
If you are remote and writing up repair slips, then I supposed you could just write or stamp PAID like Arryl suggested. The garage I take my car to is pretty much a hole is the wall type of place and although I do get a CC receipt, everything else is still hand written and I don't really give it much thought. Although the phone thing is still kind of odd for me, if they did switch to that, I would probably be okay with them e-mailing me a receipt and marking my paper receipt "paid."
I still think that ideally, a counter top reader and printer would be prefered, but offering a fair price to your customers is important, also. I would be prepared for some of your clientele to bristle at phone reader. (I am thinking of my dad, who is the type to walk out before he would hand over his card to let someone swipe it on a phone.)
Just a few things to consider.
Serentiy - CL Making a Second Marriage Work
|Mon, 04-01-2013 - 12:01pm
Of course it ate my post the first time in a while I hadn't copied my post...
My DH has his own business and he just recently got a card reader for his phone. He is out and about at customers' locations all the time though and has lost customers because he didn't take credit cards. You may want to check to see if the card reader is able to print to a printer via wifi. Our printer does that at home so I can print anything from my ipad to the printer wirelessly, that may be an option for a printed receipt instead of a counter top card reader. I know DH investigated other cc processing services before and wasn't happy with the amount of fees involved. For us, we do a carbon invoice on the spot for repairs and hand write paid on it and the method of payment, and then if they want a further receipt, once he brings home the invoices for me to do, I either email them a receipt or mail a hard copy showing it paid in our accounting software. That probably isn't much help, but thought I'd chime in on the card reader portion.
|Fri, 03-29-2013 - 7:44pm
Thank you Norma and Serenity, your input is helpful.
A bit more info: we have a storefront. We're mechanical repair services. We are quite remote; the nearest ATM is a one hour round-trip drive away. Many of our clients will be seasonal/non-local and lots of Americans. We can takes cheques from locals but need a more secure form of payment and one that is more convenient to clients...which I think taking credit cards would be.
We use a paper invoice book so there is that for a receipt, but no cash register receipt. I had not really considered the receipt factor for using a phone card reader...I know I wouldn't like that either (entering my email on someone else's phone, nor the lack of paper receipt). So I really think that is definitely out. Now I have to really do more research into what company i can use...
|Fri, 03-29-2013 - 6:37pm
Hi Rebecca, I take it that you will have a store front, since you mentioned a countertop reader.
I don't really know much, but I am in direct sales and we use ProPay for our website orders, or I can manually enter the info. on the computer. Although I realize this is a different situation, I think I pay 2.5% plus 35 cents per transfer to my checking account. I could use a card reader for my phone, but most of my orders are on-line or over the phone.
So, even though my situation may not be very helpful, I did want to chime in on the smart phone readers.
Personally, I don't care for them in a store front. I was shocked to see one in Nordstrom. Then they ask if you want your receipt e-mailed to you or a paper one. I thought "eh...I am not leaving this store without a receipt...are you kidding me?" But receipt issue aside, I thought the phone reader was very odd and made me uncomfortable.
Now, we did go to a hot dog vendor that used the phone reader and although I still didn't care for it, and the ONLY way to get a receipt was to enter an e-mail address, at least a situation like that did make a little more sense.
Now, here is what I really didn't care for. Went to a restaurant, granted...in a small town, but the ONLY way to get a receipt was to enter out e-mail address on her phone. Really? Who wants to enter all of that on those tiny phone buttons. My SO was annoyed and just said "forget it" and we left, so therefore no receipt.
I remember years ago my then MIL tried to run her business out of a store front and as a new business owner, the fees were really high, like maybe 10%, or something like that. Just something to consider.
Lastly, as I don't know what kind of business you have, but there is a local mail depot type store here that just simply doesn't take any kind of debit or credit card. But they do, therefore take checks. :)
I don't know that I was of any help, but wanted to throw out my two cents.
Serenity - CL Making a Second Marriage Work
|Fri, 03-29-2013 - 2:15pm
I'm in the US but when I worked for a bank (over 10 yrs. ago) the fees varied for the equipment and monthly service fees. Shop with real time customers and see who has fewer breakdowns and better fees. You might have to get out and hit the pavement in some strip mall and ask florist, beauticians, etc. There are so many hidden fees, just be sure to do your homework.


text:
.My father past several months ago. While in the hospital sick, one of my brothers got him to change his will leaving every thing to the one brother. Upon my father's death, I placed a caveat on the will. Before any action on the will the one brother died without a will. There are three surviving children, no wife/mother ,separated wife of the one brother and a son of the dead brother with another woman. My other surviving brother and sister want me to be the executor . Can I be appointed executor without probating the will and how is this done. The separated wife of my dead brother is not cooperating; the mother of my brother's son has not stated her intentions. My father left $20,000 in a checking account and the bank is going to turn the funds over to the state. There is also a house.
You obviously have a very complicated factual situation. If the will that was changed at the last minute was invalidated (although it could be upheld in part, invalidated in part) it is possible that you would essentially have an intestate estate (no will) and you could step forward to administer the estate under the law...from the sounds of it the estate would be divided equally among the children (including the deceased brother's share to his children). In any event, some measure of a probate is required be it under the will after a hearing on the validity of the will, or as an administration (no will). By the way, the death of the one brother should not completely stop the caveat action you filed as to the validity of that will.
I agree with my colleague. You have a very complicated, fact specific issue and you should speak with an attorney before proceeding.
You should consider meeting with an attorney well-versed in these areas.
Additionally, below are links to articles and information that may assist you with your issue.
Good luck.
Brad M. Micklin, Esq.
The Micklin Law Group
187 Washington Ave., Suite 2F
Nutley, NJ 07110
An executor is appointed to administer an estate per a probated will so it isn't possible to be executor if no willis probated. However, that's not your important issue. You need a local lawyer to counsel on how best to settle this estate.
Lawrence Friedman, Bridgewater, NJ. Certified as an Elder Law Attorney by the ABA approved National Elder Law Foundation, former Chair NJ State Bar Association Elder and Disabilities Law Section, Member Board of Consultors of NJSBA Real Property, Trusts & Estates Law Section, Vice Chair Special Needs Law Section of National Academy of Elder Law Attorneys, and Master of Laws (LL.M.) in Taxation from N.Y.U. School of Law. Visit SpecialNeedsNJ.com for articles and Q&A on elder law, special needs, wills, trusts, estates, and tax. Visit SpecialNeedsNJ.com/blog and subscribe for free timely updates to be delivered to your inbox. Information on both Avvo and SpecialNeedsNJ.com does not constitute legal advice, as it is general in nature and may not apply to your situation or be subject to important changes. No attorney client relationship exists unless set forth in written engagement terms.
You have a mess.Contact Mark Kutner in Vineland.Hes a sharp guy and can help you or give you pros and cons of getting involved....which by the way of your description reads more like the cons.
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Tech Hot Spots Fire Up the Financial Industry
By Bob Violino
Financial services institutions tend to be among the more aggressive users of information technology, which is deployed to improve operations, expand market opportunities and enhance customer service.
Although IT spending for 2012 was slower than first expected for the industry, there are areas of growth, says Rodney Nelsestuen, senior research director at CEB TowerGroup, a financial services research firm in Needham, Mass. Retail banking's IT spending will stay focused on customer intimacy and channel delivery integration for customer experience, he says. Wealth management will become a hot spot for technology spending over the next several years as financial institutions compete for affluent customers and attempt to win deeper relationships and cross sales with them, he adds.
"The hot spot that will impact generally all financial services is in mobile payments," Nelsestuen says. "While this is a newer area, the uptake is rapid, and we see an 18 percent growth in [North America] and Europe." Three key areas govern IT spending in the sector: regulation, customer intimacy/experience/loyalty and cost reduction.
For South Carolina Federal Credit Union (SCFCU) in North Charleston, IT has helped boost efficiency, particularly in improving the balance of its workforce with the demands of its more than 140,000 members.
"Routine transactions are migrating from face-to-face, in-location transactions toward customer-driven self-service transactions that can take place onsite, or through mobile and Internet technologies," says Stephanie Ownby, management information services manager at SCFCU. "As a result, when people contact a financial services organization, it's key to ensure that the most skilled representative is available in order to meet [customers'] needs."
In November 2010, the organization implemented a workforce management system from Verint Systems to increase branch and contact center staffing efficiencies. The main goal of the initiative was to meet service-level targets, while maintaining costs and increasing staffing efficiencies. This means ensuring that the right person is at the right place at the right time in order to meet members' needs, Ownby explains.
The workforce management system uses historical transactional data to project future transactional volumes. The technology has been instrumental in scheduling the variable workforce team, scheduling training and hiring new employees. "We further leveraged the system by integrating it with [the vendor's] phone system and transactional system in order to determine front-line staffing needs," Ownby says.
Among the benefits are a 10 percent increase in workload fit (which measures how accurately staffing requirements are met); a 90 percent reduction in the average speed of answering members' calls to the contact center (down to just 20 seconds); and a nearly 90 percent decrease in the call abandonment rate (to less than 2 percent).
In addition, SCFCU is able to schedule 200-plus sales and service employees within two hours, an 88 percent decrease in processing time. "We can now schedule all front-line employees at one time and have streamlined the scheduling process, where now only one employee schedules all 18 branches in the network," Ownby reports.
The system helps SCFCU deploy "floaters" more effectively. "With visibility to contact center and branch workload and schedules in one place, we can look at everyone's need, deploy resources where they are needed most and achieve much better utilization of the workforce," Ownby says.
BI and CRM Are Top Priorities
For another financial services company, HomeTown Bank in Roanoke, Va., deploying business intelligence and customer relationship management technology to improve processes is a top priority. The bank is deploying BI systems and a CRM product called 360 View from inBusiness Services to help drive customer retention, improve relationships, and increase branch and online banking channel traffic, says Michael Wright, vice president and IT director.
"As we grow our market share, the goal is to leverage existing branch footprints—at least for the next year—to drive profits without increasing significant investment," Wright says. The key driver behind these initiatives "is to maintain our focus as a high-performance, customer-centric community bank [and] increase market share."
Business managers at the bank anticipate significant benefits from the technology initiatives. "We expect this [CRM] software to allow us to uniformly recognize opportunities for future sales and growth, while also providing us with powerful tools to solidify and strengthen our current relationships," says Nadia Summo, project manager for 360 View. "There are many features of this software that we expect to contribute to increased ROI, improved market share and a strong improvement in our already noteworthy customer service levels."
These include customer interaction monitoring, which allows the bank to record each time it touches a customer in any way, whether it's through marketing or service; referral tracking; and profitability data to help the bank make better decisions on rates, terms, etc.
The system also provides the ability to report customer incidents to fellow employees and assign incidents to the appropriate employee or department for resolution. In addition, it enables the bank to group customers for marketing purposes and allows it to track cross-selling activities.
HomeTown Bank is also evaluating the benefits of migrating email and Microsoft Office applications into the cloud within the next 12 to 18 months, Wright says. In addition, the bank is equipping its lending and executive management teams with mobile device management products to provide increased access to CRM data.
Accelerating Server Virtualization
IT is also a key part of the business strategy at financial services company Wells Fargo & Company in San Francisco.
"All the products and services we use to serve customers are based on technology—from the system in the teller line to our online or mobile applications," says Martin Davis, executive vice president and head of Enterprise Technology Services within the Technology and Operations Group. "Literally billions of transactions run on Wells Fargo systems each year and technology is essential for Wells Fargo to perform at its best."
One of the biggest IT efforts at the company has been server virtualization. For every virtual server installed in 2011, 2.8 physical servers were decommissioned, resulting in reduced data center space and power requirements. In 2011, the company virtualized 60 percent of newly deployed servers and standardized 80 percent. In 2012, nearly 100 percent of new servers are virtualized.
Wells Fargo also accelerated server provisioning—from months to 10 days—and consolidated its networks from 17 LAN environments to just two.
Last year, the company completed what Davis called the industry's largest merger, between Wells Fargo and Wachovia. "The amount of complexity involved in combining those organizations was mind-bending, but I think the merger was an inflection point to drive technology to the next level and accelerate many of our pre-existing efficiency initiatives like virtualization and standardization," he says.
By making overall efficiency a focus, Davis says, "we were able to stop planning for a future data center and achieved $1 billion in savings, with a significant portion from infrastructure efforts."
Wells Fargo has developments under way on the mobile device front "that draw on the unique functionality available through those devices," Davis says. This year, the company announced Wells Fargo Mobile Deposit, which allows customers to deposit checks via Apple and Android devices.
"There's no question that mobility has become part of consumers' everyday lifestyle," Davis says. "We need to constantly think about how to offer or evolve our products or services."
There's a lot of opportunity for IT to meet business needs and put more focus on building innovative applications and services, rather than just provisioning and management, Davis says, adding, "We firmly believe everything we do has to be connected to customer value."


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NOTE: Course offerings are subject to change without notice due to issues such as staffing, curriculum changes, and course enrollment numbers.
THE 100 Introduction to Christianity
THE 105 Introduction to Scripture
THE 110 Introduction to Theology
THE 120 Old Testament Survey
THE 130 New Testament Survey
THE 211 Christian Faith and Life
THE 212 Christian Worship
THE 301 The Book of Genesis
THE 302 History of Israel
THE 303 Old Testament Poetry and Wisdom Literature
THE 304 Old Testament Prophets
THE 305 The Literature of the Intertestamental Period
THE 306 The Life of Christ
THE 307 Romans
THE 308 Pauline Epistles
THE 309 The Pastoral and Catholic Epistles
THE 310 Apocalyptic Literature
THE 401 Basic Teachings of the Bible 1
THE 402 Basic Teachings of the Bible 2
THE 411 Lutheran Confessions
THE 421 Religion in America
THE 431 Introduction to World Religions
THE 441 History of Christianity
THE 450 Archaeology and the Biblical World
THE 480 Theology Colloquium
THE 490 Internship
THE 491 Selected Topics in Theology
THE 499 Independent Study
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Thank you for registering for Genesis. In order to submit this form, you must complete all the fields with an asterisk and choose a Genesis date. Only students who have paid their $300 Enrollment Deposit may register for Genesis. There is no charge for incoming students, but if you are bringing guests with you, there is a cost of $10 per person.
Transportation is available from the Portland airport, train station or bus depot for students traveling from outside the local area without a parent or guardian. If you need transportation please call 503-554-2240 with your itinerary at least a week before Genesis to confirm pick up details.
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|Half Baths
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Beautifully remodeled 1700 square foot, 3 bedroom, 2.5 bath, 2 story townhome centrally located in Apollo Beach, Florida. Fully furnished with all wood floors on bottom floor and new carpet in all bedrooms. SORRY, no smoking within the townhome. Screened lanais upstairs and down with waterfront views and 2 car covered carport. Deepwater canal with private boat slip (and lift) providing quick access to Tampa Bay. Full kitchen featuring refrigerator, dishwasher, microwave and electric range/oven. New furnishings throughout to include queen and full beds, fouton/office, dining room, living room, 46" HD flat panel TV in living room, 32" HD flat panel TV's in master and second bedroom including cable/WiFi, unlimited long distance telephone service, new full size washer and dryer. Minutes from numerous restaurants (local and major), clubs, grocery stores, fine dining, private and public medical providers as well as a local, family run/owned butcher shop. Twenty minutes from Sunshine Skyway Fishing Pier, 5 minutes from manatee viewing center, 30 miles from downtown Tampa offering access to major sporting events, concerts, musicals, theater, museums, art exhibits and more. Two hours from Orlando offering ready access to Universal Studio, Disney World and Sea World.
Keywords: Waterfront, townhome, boat slip, boat lift, condo, furnished
Retired Air Force member and wife both currently employed at MacDill AFB.
The Owner purchased this townhome in 2011
Future plans to retire bayside and spend majority of our time fishing, basking in the sun and enjoying the "salt life".
Scenic Apollo Beach offers fine dining, quick access to Tampa Bay and outshore fishing. Tons of activities resulting from close proximity to downtown Tampa as well as Orlando.


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Friday Loves Discovery
I've been meaning to share with you some of my discoveries, but with the holidays and all, it just sat there in the back of my mind. Here's a bit of a return to Friday Loves. The first of 2013.
1. CLEAR. You've probably seen that commercial for Clear Shampoo & Conditioner. The ad talks about a treatment that focuses on treating your scalp for healthier hair. Looks all fine and dandy…and probably a marketing ploy, right?
I received a couple of samples in my PopSugar Must Have box a few months ago. I tried it out and I have to say this is the best hair product I have used in years.
Let me explain why…
For those who wear a part in their hair, you may notice sometimes that it keeps growing wider and wider as you grow older. It's almost like you have your own bald spot growing down the middle of your head.
After trying Clear for a month, I noticed that the part is no longer 'widening'. Actually, it was no longer a wide part. Somehow massaging this shampoo/conditioner into my scalp had rejuvenated the follicles and now that wide part looks normal again.
My hair is so much healthier now than it has been when I used more expensive shampoos like Fekkai or Kiehl's. Women have sworn by these brands before, but these products didn't do to my hair what Clear did for my hair. Getting rid of that balding spot was a WOW factor in my book.
Another great thing about Clear? It's $5.99 in most drugstores. At retailers…maybe even a dollar cheaper (I noticed Walmart sells it for $4.98)…and it comes in a BIG bottle. The two samples I was sent lasted me 2 months.
Try it out, your hair will thank you for it.
2. Viggle. I mentioned this app yesterday, and I have to say…I'm still obsessed with it. I've been using this app to gather points for gift certificates and other products (like an Apple TV, Carribean cruise, Kindle Fire HD, iPod Touch, etc.). I mainly redeem my points for DirecTV movie certificates.
This free app allows you to earn points for checking in to whatever TV show you are watching. You can earn faster by checking in to their 'Bonus' points shows.
I tend to check into those +100 point shows and then change the channel. Or I check in to a long show like the Today Show. I turn off the TV and head to work. When the Today Show ends, I get a notification while I'm at work that I earned almost 200 points for watching the Today Show.
Last night, I put my DirecTV movie certificate to work and watched Looper. I checked into the movie. After the movie was over I got the points for the length of the movie +1000 points for their Thursday Cinema Movie Night.
In other words, it's easy to get points with Viggle for checking in to shows you are watching (or not watching). You can use those points for a variety of items offered as rewards.
This costs you NOTHING, but a click on your phone to check into your TV show.
It even works if you're watching it from your DVR. Last night, I didn't get to watch Person of Interest, because I was watching Looper. They had an extra +50 for checking into Person of Interest. After Looper, I watched Person of Interest from my DVR. I checked in and still netted the points for watching the show and the extra 50 point bonus for the day.
It's easy to rack up points and get rewarded for doing something you already do. All it takes is just a tap on your phone and then carry on with your business.
If you watch TV this is a great app. It's even better if you're a DirecTV customer because they're very DirecTV friendly (lots of bonus point opportunities for subscribers). If you don't have DirecTV, you can get 200,000 points right off the bat by switching to DirecTV. Plus, with all of the rebates they offer, you can also get an extra $10 off your bill for the first 10 months through my referral link.
Saving up 4 million points for that Carribean cruise…I'm seriously considering doing that…but I like Cinema Movie Nights…
Try out the app. It is so cool.
3. Home Goods. For the past few weeks I've been going on and on about Home Goods. I had budgeted $600 to go into Home Goods and shop for a bunch of things I needed for the home.
I came out with as much as I could carry and never topped $160.
The coolest gift to myself from Home Goods were 3 mixing bowls (with lids). At other stores, they charge for each bowl. This trio came as a set for $16.99. I paid twice that for 3 containers with lids at other stores (including Marshalls), because they charge you for each container. It was nice to just pay one price for all 3.
I picked up new sheets, towels, lots of kitchen stuff, a decorative plate and so many other things…and I couldn't get past $160. They have incredible stuff at amazing, very affordable prices. For people who love to add more love to their homes…Home Goods is the place.
I know I'll be shopping at Home Goods more often this year.
4. OrthaHeel. I've been wearing these shoe inserts for the past month and they have been a complete godsend. Before I got Orthaheel, every time I stood up, my body would be hit with a wave of pain coming directly from my heels and echoing through every part of my body. It was the most excrutiating pain I had ever felt in my entire life.
I spoke to a friend about the problem and she recommended OrthaHeel.
While this company mainly sells special shoes for people with plantar's faciitis and other painful foot problems, I decided to buy the inserts for the shoes. The special shoes were not my style…and I have a closet filled with designer shoes…I'm not ready to live the styles of a 60+ year old woman on my feet!
Luckily, they had shoe inserts that you can cut to fit your shoes, so I bought a couple of pairs. The verdict?
After I put the inserts into my shoes, put the shoes on and stood up…the pain was gone. Literally…it went away just like that.
The OrthaHeel inserts provided immediate relief for my heels and leg. To me, this was a miracle product.
For those who wear ballet flats all of the time, you should buy a couple of pairs of these inserts so that what happened to me doesn't happen to you (ankle gets out of line with the leg due to ill-supported shoes like ballet flats which offer no support for your feet at all).
Now, I'm not cured at all. These inserts provided me with relief from the pain. They are also corrective supports which work towards fixing the problem…but that takes some time. Even when I'm wearing shoes without the OrthaHeel supports, I still feel pain, but it's not as bad as it was before…and that is all thanks to the OrthaHeel supports.
5. Yu-Be. Honestly, I have no idea how I got a hold of Yu-Be. It's possible that it came as a free sample from Little Black Bag. However I got it…this product has been another WOW product.
For those with chapped lips and chapped hands right now…Yu-Be is instant relief and it cures chapped lips.
I had really bad chapped lips, so I put this on. A few hours later I noticed that my lips were okay again.
I put it on my hands…it definitely soothed the pain much faster than regular hand lotions.
You can find Yu-Be in a lot of different stores. At the DermStore, you can read up on the products available and the background. I've been using the Yu-Be Tube for my lips and hands. It works so much better than any of the other brands I've been trying to find relief.
Yu-Be has worked wonders. Coupled with Avalon Organics Soothing Organic Rosemary Lip Balm Vanilla, it's been a lifesaver this winter.
After the success with the lip balm, I'm definitely going to try their other products.


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My sister in law wants to do a vintage themed baby shower for my niece and has asked me to make a cake. I have been looking at "vintage" cakes and I am still not sure what it is. Does vintage just mean softer colors or is there something else to it. Any help for vintage baby shower cakes would be appreciated. Thanks
What defines "vintage"
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I would ask your SIL for pictures of the invites she plans to use, decoration inspiration, etc. I'm not sure what would define 'vintage' either.
Decorating Basics ~ Flowers & Cake Design ~ Gum Paste & Fondant ~ Advanced Gum Paste Flowers ~ Tall Cakes
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"Vintage" is just an industry buzz word for frilly, ruffle-y, lace-y, pink/peach, super girly designs and details incorporating "vintage" things like bird cages, old bicycles, steamer trunks, etc.
Just have her make you a Pinterest!
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I think vintage themes is something that was in style more than 30 years ago, I could be wrong. From what I have seen when decorating there is a lot of wooden stands and frames and chalkboards used.
Here is a link to one of Amy Atlas vintage party for a boy, her blog will give you some ideas. HTH.
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Thanks for the responses, at least I have an idea now.
RedlnLove, I would love to ask SIL for invites but she never has anything planned to far in advance, Invites will be at the last minute.
FromScratchFS, I Love the idea of just really girly designs. I will have to look through the galleries and get some ideas.
Sweettooth101, The websites were fantastic you gave me. I will try to come up with some ideas like that and run it by SIL.
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Typically when I see cakes or cupcakes termed "vintage," they are colored with muted pastels and decorated with girly things like strands of fondant pearls, silver or gold dragees or baubles, brooches, and ruffles. I have seen the birdcage theme as well. I am really not sure who or how that design was coined vintage, since that term covers a variety of meanings. I would absolutely get an invitation or look at some of the party decorations to see what's going on there.
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Items where Author is Bottomley, Sylvia S.
Number of items: 1.
Shoolingin-Jordan, Peter and Al-Daihan, Sooad and Alexeev, Dmitriy and Baxter, Robert L. and Bottomley, Sylvia S. and Kahari, I. Donald and Roy, Ipsita and Sarwar, Muhammad and Sawyer, Lindsay and Wang, Shu-Fen (2003) 5-Aminolevulinic acid synthase: mechanism, mutations and medicine. Biochimica et Biophysica Acta: Proteins and Proteomics, 1647 (1-2). pp. 361-365. ISSN 1570-9639


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13 Mandarin Area Apartments For Rent
Jacksonville, FL 32258
Gran Bay at Flagler Center
- BRAND NEW! Now Leasing!
- Uniquely designed 1, 2, and 3 bedroom homes
- Espresso cabinetry & stainless steel appliances
- Vinyl hardwood flooring in common rooms
- Full-size washer & dryer included in each home
- Roomy patios or terraces in each home
- State of the art fitness center w/ children's area
- Clubroom with internet café & resident lounge
- Resort-style saltwater swimming pool
- Outdoor lounge area with community gas fireplace
- Bicycles available to rent
- Private garages available
Jacksonville, FL 32257
Coopers Hawk
- Limited Access Gates
- Woodburning Fireplace
- Patio/Balcony & Outside Storage
- Lakeviews Available
- Washer and Dryer Connections
- Two Lighted Tennis Courts
- 17 acres of Lush Tropical Grounds
- Highly Rated School District
- Alfresco Dining Poolside!
- Fitness Center
- Sparkling Pool with Sun Deck
- Minutes from I-295, dining, shopping, & MORE!
A peaceful, gated retreat in the heart of Old Mandarin is yours at Coopers Hawk! We are conveniently located just minutes from NAS Jacksonville, shopping malls, I-95 & I-295. We offer 1, 2 & 3 bedroom apartment homes for rent that feature a fully equipped kitchen, patio/balcony with outside storage, washer/dryer connections, wood burning fireplaces & more. Our residents also enjoy a sparkling pool with sundeck, 2 tennis courts & fitness center. Your pets are welcome, restrictions apply.
Jacksonville, FL 32257
Woodlake Park
- Newly Renovated Large Unique Floorplans
- Pool, Courtyard and Lake Views
- New Energy Saving Windows and Doors
- 2 New Sparkling Pools with Sundecks
- W/D Connections (in select apartments)
- Large Walk-In Closets/Linen Closets
- New Jacuzzi
- Cardio and Strength Training Fitness Center
- Wood Burning Fireplaces (in select apartments)
- Pets Welcome - New Pet Park
- Mailboxes located at front door
- 2 Onsite Laundry Facilities
Woodlake Park Apartment Homes, located in the prestigious Mandarin area of Jacksonville, Florida, off of San Jose Blvd, is the perfect place to call home. Our newly renovated floorplans offer abundant closet & storage space, a well as scenic views from each patio and balcony. Woodlake Park is just moments from major highways, shopping, dining & entertainment. Call or Visit today! We can't wait to welcome you home!
Jacksonville, FL 32257
Victoria Park at Mandarin
- Spacious 1, 2, and 3 Bedroom Apartment Homes
- 2 Tennis Courts
- Sparkling Pool Accented with Lavish Landscaping
- Private Patio/Balcony
- Washer/Dryer Connections/Clothes Care Center
- Car Wash & Vacuum
- Boat and RV Parking
- Large Pets Welcome (call for breed restrictions)
- 24-Hour Maintenance Staff/2 Courtesy Officers
- Boardwalk and Picnic Area
- Indoor A/C Racquetball Court
- Fitness Studio & Jacuzzi
Victoria Park at Mandarin is located in Jacksonville, FL convenient to I-295, Baymeadows, shopping, great dining & more. Our beautiful community offers 1,2 & 3 bedroom homes for rent that feature designer color schemes, imported ceramic tile flooring, upgraded plush carpet, generous walk-in closets, ceiling fans & private patio/balcony. Our residents also enjoy a sparkling swimming pool, indoor racquetball court, tennis courts, clothes care center, car wash & fitness studio. Large Pets Welcome!
Jacksonville, FL 32223
The Paddock Club of Mandarin
- Pool with Sundeck and Wet Bar
- Fitness Center & Tennis Court
- Playground and Picnic Area
- Grill Area
- Sauna & Tanning Bed
- Convenient to I-295 & I-95
- Private Garages with Remote
- Monitored Access Gate
- Whirlpool and Garden Baths
- Remodeled Interiors
- Ask about our New Stainless Steel Appliances!!!
The Paddock Club of Mandarin is located in Jacksonville, FL convenient to I-95 & I-295. Our beautiful gated community offers spacious 1,2 & 3 bedroom homes that feature wonderful amenities including remodeled interiors, Whirlpool & garden baths, private garages with remotes & more. Residents also enjoy a pool with sun deck & wet bar, fitness center, tennis court, playground, sauna & tanning bed. Pets welcome, restrictions apply!
Jacksonville, FL 32257
St. Augustine
- One, Two & Three Bedroom Residences
- Loft Homes Available
- 42" Upper Cabinets* / GE Appliances*
- Club Quality Fitness Facility
- Featuring Cardio and Strength Equipment
- 9 Foot Ceilings * / Custom Lighting Package *
- Custom Tile Surrounds in Bathroom *
- High Speed Internet Access
- Woodburning Fireplaces with Custom Mantels *
- Three Sparkling Pools
- Beautiful Lake Front Views In Select Apartments
- Just Minutes to I-295 & I-95
St. Augustine Apartments are located in the Mandarin area of Jacksonville,FL & offers 1,2 & 3 bedroom apartment homes for rent. Lofts available. Our great locations is near I-295, I-95, shopping, dining & entertainment. Some of our wonderful amenities include 3 relaxing pools, modern fitness center, beautiful lake views, fully equipped kitchen & modern upgrades with fireplaces. We are a pet friendly community.
Jacksonville, FL 32257
Avesta Mandarin
- Located in "A" School District! Great Pricing!
- 2 Minutes to I-295! Access To The Buckman Bridge!
- Close to Orange Park and NAS Jax!
- Covered Parking Available
- Washer Dryer Connections (select apts)
- Bilingual On Site Team
- Three Laundry Care Centers
- 24-Hour Emergency Maintenance Service
Avesta Mandarin Apartment Homes, located in the exclusive Mandarin area of Jacksonville, Florida, offers spacious Apartment Homes with the best location in the city. Located just two minutes to I-295, Jax NAS, the Buckman Bridge & Orange Park, you will find yourself close to everything Mandarin has to offer. Avesta Mandarin also prides itself on its proximity to "A" schools in the area. We can't wait to welcome you home!
Jacksonville, FL 32257
Deer Meadow
- 1, 2 and 3 bedroom floor plans
- Water, Trash, & Pest Control Included!
- Walk In Laundry Room In Every Unit
- Full Size W/D Connections
- Swimming Pool with Wading Pool
- Fitness Center
- Tot Lot
- Generous Walk-In Closets
Deer Meadow Apartments are located in the heart of Jacksonville, Florida's Southside area. Deer Meadow Apartments offer designer kitchens, air conditioned solarium's and much more. These apartment homes have the location and value that you deserve. Your water and sewer are also included in your rent. Take a closer look at Deer Meadow Apartments and see why it will be easy to call us home.
Jacksonville, FL 32223
Waterford at Mandarin
- Washer/Dryer Hookups in Every Unit
- Screened Patios & Balconies
- 24 Hour Fitness Center
- Two Swimming Pools / Heated Spa
- Controlled Access Gates
- Car Care Facility
- Vaulted Ceilings / Fireplaces
- Exquisite Fully Equipped Kitchens
The Waterford at Mandarin is located in Jacksonville, FL in the heart of Mandarin, the perfect location at the perfect price. These spacious 1,2 & 3 bedroom apartment are available for rent. Some of our wonderful amenities include 2 beautiful swimming pools, 24 hour fitness center, controlled access gates, lighted tennis courts, fully equipped kitchens & washer/dryer hookups. We are moments to I-95, 295 & close to shopping, dining & entertainment. We are a pet friendly community.
Jacksonville, FL 32257
Mandarin Lanai
- Water Included!
- HUGE 1 & 2 Bedroom Floorplans
- Spacious Screened Lanais
- Fully Equipped Kitchens w/ Breakfast Bars
- Washer & Dryer Connections Available
- Community Clubhouse with Screened Pavilion
- Vaulted Ceilings & Plant Shelves
- Fireplaces
Mandarin Lanai Apartments, located in Jacksonville, FL, is far removed from the hustle and bustle of city life, yet is surprisingly tucked into the heart of Mandarin and convenient to all of Jacksonville. Close to schools, shopping, and churches, Mandarin Lanai is just minutes from I-295, downtown Jacksonville, the beaches, and Jacksonville International Airport.
Jacksonville, FL 32223
Oasis of Mandarin
- Corporate Units Available
- Complimentry TUTORING for KIDS!
- Washer/Dryer INCLUDED!!!!
- Townhomes Available! Garages Available
- Patio / Balcony with Storage
Oasis of Mandarin is located in the heart of Mandarin, in Jacksonville, Florida. Spacious 1,2 & 3 bedroom apartment homes for rent. Located minutes from I-295, I-95, downtown, Southside & Beaches. All units include washer/dryer & valet trash pick up from your door. Other conveniences our residents enjoy...2 refreshing swimming pools, tennis courts, fitness center, car care facility & so much more. Free tutoring services available. Fireplaces & garages available. Pet friendly community.
Jacksonville, FL 32257
Hunters Way
- Washer/Dryer Hook ups in select units
- Wood-plank Flooring
- 24-Hour Fitness Center
- 2 Refreshing Pools
- Tennis Courts
- Bark Park
HUNTERS WAY offers a location like no other! Nestled in the heart of the MANDARIN Area & just a few miles from Jacksonville, Florida's gorgeous Beaches, minutes from 295, Orange Park, a variety of Entertainment & Dining venues, and a short ride to beautiful Downtown Jacksonville & Jacksonville International Airport! We are happy to support our Local Businesses, Universities & Military with $ Saving Discounts! CALL US TODAY!
Jacksonville, FL 32257
Camri Green
Thank You! Your email has been sent. We appreciate your interest.


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Starting with a simple square wave oscillator Chris Kaczmarek creates custom electronic instruments. Easier to build than you may think, come play with some and get inspiration on how to make your own DIY audio circuits.
Binomica Labs- come check out our biological circuits! First 5 visitors/day get complementary DNA sequencing for either barcoding DNA or a portion of your own mtDNA hypervariable region!
New understanding of the brain is making it more hackable, launching us into the realm of sci-fi possibilities. We will talk about the brain's pinouts and wiring, along with its mechanisms for change (i.e. learning). We will then discuss various technologies and techniques currently being used to interface with the brain and augment human potential in amazing ways.
Burnkit2600 have been experimenting with electronics and carving their own musical niche since 1997. Elements of circuit-bending, analog wizardry and chip music combine to make a one of a kind mix.
With new electronic and rapid prototyping tools, cheap microprocessors and sensors, 3D printers and printed electronics the world around us can be hacked, twisted and extended with functionality that it is not supposed to have. Everyday physical objects, both living or artificial can be made interactive, responsive and digital: living plants that control music, human bodies that transmit sound, touch screens on water and 3D printed interactive eyes. We can enhance our world with new experiences and functionality that will educate, delight, entertain us and make our lives better in countless ways that are yet to be invented.
Makers of original and innovative DIY electronics kits
Terry Dame aka ElectronGong performs original groove driven music on invented instruments made from recycled objects. This year's performance will feature the "Horn of Plenty Sounds", an interactive musical sound sculpture.
Texas Instruments serves the world's most innovative electronics companies, as well as hobbyists just like you, helping to develop new ideas that change the way we live. By providing semiconductor technologies that promote greater power efficiency, enable more features, enhance performance and deliver more value, TI expands the possibilities every day for how we learn, connect, grow and discover.


text:
Recent Posts
June 26, 2012
Babita Thapa
work as a coordinator for more than 3 years in rural Nepal to uplift the status of women in 400 HHs. Then, work as a program manager for uplifting health status of men and women for about 7 years. Moreover, work as a assistant communication manager and communication officer for about 3 years.
Sometimes, I also write articles in major newspaper but without any training and academic degree related to such job. I really like to sharpen my skills to raise the issues related to social and cultural barriers to women.


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Charlotte Munning Raku
Call us: 336-854-9754
Photo Gallery
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Contact Us
About me
Website Designed
Create a Website
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Welcome to Charlotte Munning Raku
The Japanese word RAKU, roughly translated means contentment, enjoyment and pleasure. My focus is on the hand built or thrown clay form that is then raku fired, using my original copper glaze.
For more information please:


text:
|Name: _________________________
|Period: ___________________
This quiz consists of 5 multiple choice and 5 short answer questions through Chapter 4: 42nd Street Library.
Multiple Choice Questions
1. How many bedrooms does Jazmin's apartment have?
(a) One.
(b) Two and one half.
(c) Two.
(d) One and one half.
2. How old is Jazmin?
(a) Seven.
(b) Fourteen.
(c) Ten.
(d) Eighteen.
3. What are Jazmin's parents doing when they decide on the spelling of Jazmin's name?
(a) Eating dinner.
(b) Cooking dinner.
(c) Bathing CeCe.
(d) Timing her contractions.
4. What happens to Jazmin when she takes off her glasses?
(a) She can't see.
(b) She can't smell.
(c) She can't hear.
(d) She can't walk.
5. What business is on the other side of Jazmin's apartment?
(a) A movie theater.
(b) A pharmacy.
(c) A jazz club.
(d) A laundromat.
Short Answer Questions
1. To what does Jazmin compare their first apartment?
2. Where is Jazmin's father?
3. What kind of games are played at the bar?
4. To what song are Jazmin's parents listening?
5. Where does Jazmin like to sit?
This section contains 182 words
(approx. 1 page at 300 words per page)


text:
Cincinnati, OH (SportsNetwork.com) - The Cincinnati Reds and pitcher Sam LeCure have avoided salary arbitration and agreed to a two-year contract.
Financial terms were not disclosed.
LeCure appeared in 63 games out of the bullpen last season and posted a record of 2-1 with a 2.66 ERA and one save. The 29-year-old right-hander owns a career mark of 9-10 with a 3.47 ERA in 169 games, all but 10 as a reliever, since making his debut with the Reds in 2010.
The Reds also agreed to terms with pitcher Alfredo Simon on a one-year contract. The right-hander went 6-4 with a 2.87 ERA and one save in 63 games last season.


text:
Weather Strip ReplacementReplacing old automotive weather stripping
A 100-year storm rages, yet you're cruising down the highway in relative calm, sealed tightly in your vehicle from the whistling wind and sheets of rain. Your comfort is courtesy of yards of weather stripping around the doors, windows, hood and trunk-one of those innocuous automotive systems, backed by years of technology, which we all take for granted. When those gaskets start to go, though, you'll need to give them some attention.
Wet Seal
While your physical comfort may be your first concern, the stripping also keeps potentially corrosive moisture away from the window mechanism in your door panels. In addition, it cushions the door/body panel connection, much like healthy cartilage in your joints. The stripping around your hood, trunk and a truck's tailgate performs the same functions.
If you're driving a new car, you may think the molding will last a lifetime, but if you've ever bought a used vehicle, you know that kind of longevity is not a given. That annoying, high-pitched whine of the wind past the door seals is the first sign of trouble. Once the wind finds its way past the seal, moisture will soon follow.
The technology has come a long way since the 1930s when seals were fabric webbing screwed into the metal body panels. Today, the high-quality aftermarket weather stripping is made with a rubber skin and sponge interior. The rubber creates a sturdy weather seal; the sponge gives under pressure and effectively conforms to the proper shape when the door or trunk lid is closed.
Perfect Fit
If your weather stripping is leaking, or has been leaking for a while and is now dangling from the doorjamb, it's time to replace it. If you've got an older vehicle, you may want to seriously consider taking the job to a body shop. What looks like a simple case of pull-off-the-old and slap-on-the-new can turn into a royal hassle. With the improvements in the technology, the newer stripping usually has more vibrancy than the original. So when you close an old door on new weather stripping, there may be too much bounce to allow the door to latch properly. The simple solution is to make adjustments by moving the catch on the doorjamb farther out, just enough to allow the latch to catch. The result is a door that seats properly but rides a fraction of an inch away from the rear body panel.
If you've just spent a small fortune restoring a classic, this may drive you nuts, but don't despair. Over time, measured in weeks or months depending on the amount of use, the new stripping will lose enough of its vibrancy to allow you to incrementally move the catch back to its original position and the door and body panels once again form a smooth transition.
If you decide this is a job you've got the patience for, it's time to contact your auto parts store. According to body shop experts, aftermarket weather stripping is, generally, of better quality than the original equipment equivalent. The stripping is very model-specific, available in the proper lengths for each application and with pre-seated T-clips, if appropriate. The T-clips align with openings in the body and simply pop into place.
Like the stripping, adhesives vary in quality. Again, going back to our body shop expert, you get what you pay for. One product is simply called Weather Stripping Adhesive. Most adhesive is available in black or yellow. Since the stripping itself is black, matching the adhesive to the weather-stripping color may help to cover up any messiness in the application.
It's very important to seat the new stripping firmly. Our body shop expert is still muddling through a warped rear window on an older SUV. The original owner misaligned the stripping by a fraction and over time his forcing the window closed warped the metal. Some applications are easier than others: often the interior and exterior panels form a lip that the stripping slips over. With the SUV's rear window stripping, the metal panel formed an L, the owner simply did not seat the stripping firmly enough into that L.
Since every application of weather stripping varies from the next, the best guidelines are to make sure the joins (where the two ends meet, such as between the door top strips and bottom strips), are neat as they usually occur at a highly visible spot. Don't stretch the stripping as you apply it. You may think you're getting a nice, clean line and it does look harmless. All you have to do is chop off the extra material at the end of the job. The problem is that the stripping "wants to come home," in the words of our body shop owner. That memory is stronger than the adhesive. Any pressure applied during application should be into the body panel, not pressure that pulls the stripping taut.
So, if you've got a little patience and good quality adhesive and stripping, you're on your way back to a nice, snug, rattle free vehicle.
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Holy Trinity Church
Francis Avenue, PO4 0ER
19-Oct-13 to 19-Oct-15
Mon, 9.30 am - 11 am
0 months to 4 years
You do not have to be a member of the NCT to attend any of the groups, join in any activity or to help us fundraise.
Our baby and toddler drop in play group provides the perfect opportunity for your little ones to play, socialise, do some arts and crafts with snacks and sing-time. It is a small, friendly group where you can meet other parents/carers and enjoy some play time with your child/children.
Times and prices are subject to change. Contact venue before setting out.


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Discover Chocolate and Live La Vida Cocoa!
If any ChocolateLife member owns a Cacao Cucina roaster, I am interested in getting
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Rule-Making Hearing Docket
|February 8, 2011 10:00 a.m.
|Office Building 2 Auditorium (driving directions)
Select the WAC number to view or print a copy of the CR-102 form and the rule text. Send all comments on the rule to the Rules Coordinator. If you have questions about the rule send a message to the contact person.
|Rule Title/Subject
|Contact Person
|Washington State Register Citations
|Chapter 388-111 WAC
Residential habilitation centers--Compliance standards.
|John Gaskell
(360) 725-3210
|Preproposal notice filed as WSR 10-19-103
Proposed rules filed as WSR 11-02-073
Hearing date: February 8 , 2011
Earliest adoption date: February 9, 2011
Contact the DSHS Rules Coordinator to:
- Ask questions about the hearing, a proposed rule, or the rule-making process;
- Confirm the day's calendar;
- Inquire about interpreter services or accommodations for disabilities at hearings; or
- Submit written comments.
|Rules Coordinator
|Rules and Policies Assistance Unit
|Phone: (360) 664-6097
|PO Box 45850
|Olympia, WA 98504


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Sample Commands
Is there any consideration to update this to work with NH 2.1?
I wrote blog post about proxies generation in Visual Studio post build event, as much transparent to whole solution as possible.
I wanted to thank you for your great job on this tool. I was about to change my code to use a different ORM mapper, but then I got to this tool and tested it and I was able to deploy my website to a shared hosting with medium trust. It's working fine at the moments and I feel safe using NHibernate which is a great ORM that save us a lot of work.
Do you have plans to move to RC or GA?
That would be indeed very much desired, although our application generates hbm.config files they are generated @ compile time and can be different quite easily having 100 hbm.config files in our dll is not really desired.

JIRA added -


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NBA player Lamar Odom fell asleep during a Tuesday court appearance for his ongoing custody battle, the New York Post reports.
TV Scorecard: What's renewed? What's canceled?
The Los Angeles Clippers forward drew the ire of the court after he took a nap during the proceedins. After a court officer asked if Odom was OK, he was told to sit up. However, he reportedly then slumped over and rested his head on his hand.
Odom, who is married to Khloe Kardashian, is battling former girlfriend Liza Morales over child support and visitation rights for their children, Destiny, 14, and Lamar Jr., 11.
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When you're watching movie violence designed to give you a queasy shudder, context is all. The ear-severing torture scene in Reservoir Dogs is a cheerful sadist's dance of hell, but it's also one element in a carefully constructed collage of brutality; it earns its cringe factor. In Sympathy for Mr. Vengeance, on the other hand, when a man stands over the corpse of his 11-year-old daughter, recoiling (along with the audience) as an autopsy saw slices open her chest, the hideousness serves no dramatic purpose. It's just there as a sick kick, a hardcore moment of how-strong-is-your-stomach ''flamboyance.''
The director, South Korea's Park Chanwook (Oldboy), specializes in such rabid moments of showpiece Guignol, and he also specializes in stringing them together in as haphazard and mangy a fashion as possible. In Sympathy for Mr. Vengeance, Ryu (Shin Ha-kyun), a deaf and mute young man with hair dyed to look like green fiberglass, tries to fund his sister's kidney transplant by kidnapping the daughter of his former boss (Song Kang-ho). The scheme goes haywire, and so does the movie, which is so busy shoving characters like Ryu's shrill Marxist girlfriend (Bae Doona) into our faces that it barely bothers to establish how we should think or feel about them. Dirty Pretty Things (2003) used the British live-organ black market as the backdrop for a humanely terrifying vision of the underbelly of immigrant life, but Sympathy for Mr. Vengeance is so badly told that it ends up dissecting a corruption that exudes from nowhere but itself.


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Immigrant integration is the process of economic mobility and social inclusion for newcomers and their children. As such, integration touches upon the institutions and mechanisms that promote development and growth within society, including early childhood care; elementary, postsecondary, and adult education systems; workforce development; health care; provision of government services to communities with linguistic diversity; and more. Successful integration builds communities that are stronger economically and more inclusive socially and culturally.
Report examines the findings of a survey conducted by The Integration of the European Second Generation (TIES), which compares data for second-generation Turks with parents of comparable backgrounds across contextual factors in seven European countries to explore why educational outcomes vary within the target group.
Award winners for the inaugural year of the E Pluribus Unum Prizes program were honored at a reception at the Library of Congress in Washington, DC in 2009.
MPI's symposium on citizenship examined immigrant civic and political participation, the notion of local voting rights for noncitizens, the concept and practice of dual citizenship, and the role of citizenship in immigrant integration.
"Good integration" happens every day in different areas around the country, either as a unified response to a tragic event, in the private sphere, or in the successful performance of some ethnic minorities in education and employment.Yet, in some respects, communities are moving apart, pulled or sometimes pushed, by their own choices.
As with an increasing number of other complex issues, policymakers engaged in immigration reforms must be acutely attuned and responsive to public opinion and media representation of immigration.
This book offers insights into key aspects of the citizenship debate from a policy perspective. It is a result of the deliberations and thinking of the Transatlantic Council on Migration, which brings together leading political figures, policymakers and innovative thinkers from the U.S. and Europe.
Funding for education in the American Recovery and Reinvestment Act (ARRA) has two primary objectives: 1) to help stimulate national economic recovery by providing jobs and building infrastructure in the state and local educational systems, and 2) to improve educational outcomes for children, particularly those most in need.
Drawing on several sources of survey data, this report will examine the major contours of American public opinion toward immigration and immigration policy.


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The AD7667 is a 16-bit, 1 MSPS, charge redistribution SAR, analog-to-digital converter that operates from a single 5 V power supply. The part contains a high-speed 16-bit sampling ADC, an internal conversion clock, internal reference, error correction circuits, and both serial and parallel system interface ports.
It features a very high sampling rate mode (Warp) and, for asynchronous conversion rate applications, a fast mode (Normal) and, for low power applications, a reduced power mode (Impulse) where the power is scaled with the throughput. .
It is fabricated using Analog Devices' high-performance, 0.6 micron CMOS process, with correspondingly low cost and is available in a 48-lead LQFP and a tiny 48-lead LFCSP with operation specified from –40°C to +85°C. .
|Content Type
|File Type
|AD7667: 16-Bit 1MSPS PulSAR® Unipolar ADC with Reference Data Sheet (Rev 0, 01/2004) (pdf, 756 kB)
|Data Sheets
AN-931: Understanding PulSAR ADC Support Circuitry
(pdf, 299 kB)
This application note discusses in general the pitfalls that occur regularly when using SAR ADCs and, more importantly, how to easily prevent them.
|Application Notes
|AN-932: Power Supply Sequencing (pdf, 95 kB)
|Application Notes
|AN-101: Cross Plot Generator Allows Quick A/D Converter Evaluation (pdf, 280 kB)
|Application Notes
AN-347: Shielding and Guarding
(pdf, 688 kB)
How to Exclude Interference-Type Noise. What to do and Why to do it-A Rational Approach
|Application Notes
|MS-2210: Designing Power Supplies for High Speed ADC (pdf, 327 kB)
|Technical Articles
Ask the Applications Engineer-27: What problems am I most likely to run into when instrumenting an industrial system?
(Analog Dialogue, Vol. 33, No. 2, February, 1999)
|Analog Dialogue
8- to 18-Bit SAR ADCs ... From the Leader in High Performance Analog
(pdf, 1885 kB)
8- to 18-Bit SAR ADCs with Sample Rates up to 3 MSPS -- The latest additions to ADI's ADC portfolio offer unrivaled functionality in terms of channel count and power supply voltage, optimal power/speed ratios, and the smallest packages to meet the demands of any data acquisition application, including portable, industrial, medical, wireless, and communications.
High Speed, High Accuracy 14-Bit, 16-Bit, and 18-Bit PulSAR ADCs
(pdf, 3826 kB)
A PulSAR Family Brochure (6/2006)
|RAQs index
|Rarely Asked Questions
|Glossary of EE Terms
Symbols and Footprints— Analog Devices offers Symbols & Footprints which are compatible with a large set of today's CAD systems for broader and easier support.
The USA list pricing shown is for BUDGETARY USE ONLY, shown in United States dollars (FOB USA per unit for the stated volume), and is subject to change. International prices may differ due to local duties, taxes, fees and exchange rates. For volume-specific price or delivery quotes, please contact your local Analog Devices, Inc. sales office or authorized distributor. Pricing displayed for Evaluation Boards and Kits is based on 1-piece pricing.


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What Does Graded Whole Life Insurance Mean?
- 3680 POINTSJ Scott BurkePROPresident, Newbury Inc., Evansville, IndianaA graded whole-Life insurance policy is intended for people in pretty bad health who can't qualify for a full benefit policy.
If you have a graded policy for $10,000 and died during the first 12-months, it would usually pay only 30% of the death benefit or $3,000
If you died during month 13-24 it would usually pay 70% or $7,000
After 24-months it would pay the full $10,000
Before you sign up for a graded benefit policy, make certain that you have a very experienced agent review your options. Many people sign up for a graded policy after one or two companies turn them down for full benefit. An experienced agent can check your health against dozens of companies and often get you approved at full benefit and a lower premium.Answered on April 8, 2013+11 +1+1 this answer
- 60290 POINTSPeggy MacePROCOO and Senior Agent, Outlook Life, All 50 StatesGraded life insurance policies are a way for life insurance companies to be able to offer coverage to persons who would be uninsurable otherwise. But restricting the payment of the death benefit for the first 1-3 years for death due to natural causes, graded policies help life insurance companies stay viable so they can be counted on to pay the death benefit for all their clients.
Graded policies generally pay 100% of the death benefit from day one for accidental death. For death due to illness, some pay only what you paid in plus a small % more during the first 3 years. Others pay a % of the death benefit and may only have a two year grade.Answered on April 28, 2013+21 +2+1 this answer
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Joined: 25 Apr 10
When you get a friend request, it should show ' My Account (1) ' , in the mobile site.
This post has been edited 1 time. The last edit took place 26.03.13, 14:08.
This post was written on a mobile device.
Joined: 12 Jul 10
I'd like to replace the current list of smiley's with new ones.. The current operating ones are too boring.. The same goes with the text colors too..
Joined: 20 Oct 11
i'd let people search wallpapers for all phones, view their uploads and sort them by which device they uploaded them, and allow uploads from mobile devices.
Joined: 18 Jun 11
Quote of user: at1988i'd let people search wallpapers for all phones, view their uploads and sort them by which device they uploaded them, and allow uploads from mobile devices.
i agree there shoul be new emoji pad of smiles ...
n these common color are been boring there should be some new colore
Joined: 25 Apr 10
In the ' My Stuff ' view, I would love it if you guys added the screen resolution as one of the information for Wallpapers, along with the size of the image. Because, it's easier than to download and check all the images, if I've uploaded for a specific Resolution.
And while adding Items to the group, the number of downloads should be shown. If Im adding items, i'll add the ones with high number of downloads. When you don't show the number of downloads, how will i know what am i supposed to add, when all the images look the same from the preview and have the same name? So please think about it.
Joined: 2 Jan 13
I suggest a new Catygory : Music & Dance
Joined: 3 Oct 12
Please get those smileys back they were so expressive
Alot Of Things Long List
Joined: 20 Oct 11
also, stop allowing people to upload a million things called "nice wallpaper," its akin to spam, as if they just upload stuff not cuz it has any aesthetic value but bc they want to increase their rating.
Joined: 4 Oct 08
profile design .
This topic has 4,418 posts, spanning 442 pages.


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Unfolding Architecture
by Caitlyn Howell
Often, we read about or talk to inventors who spent their childhoods taking things apart and winning science fairs. We might think that inventors are people who are especially good at science and math. But some inventors come to invention in a different way. Chuck Hoberman, an inventor of unusual expanding and folding structures, is one such creative person. In May 1996, Hoberman shared his experiences with middle school students in one of the Lemelson Center's Innovative Lives programs.
Mind's EyeChuck Hoberman wasn't the kind of child who takes things apart or builds stuff out of spare parts, nor did he ever think about becoming an inventor or an engineer. "I started out really wanting to be an artist," he says, maybe because he was surrounded by creative people. His mother writes children's books, and his father, an artist and architect, "was always thinking of things, and designing." Today, Chuck is an inventor, an engineer, an architect and an artist. And, the family tradition continues: his brother is an artist, one sister is a fashion designer, and another sister is a poet.
Painting, drawing, and making comic books with his brother were Chuck's favorite things to do when he was young. In junior high and high school, he had a great drawing teacher "who taught me how to draw realistically, how to draw what I saw. That was a very important thing to me, because, by learning how to draw what was in front of me, later on, I began to learn how to draw what wasn't in front of me, what was only in my mind," explains Chuck. "When I began to invent, to come up with things that didn't exist before, I had to know how to draw something" with the mind's eye.
Convinced he wanted to be an artist, Chuck went to art school. One day, his sculpture instructor asked the students to make something that moved. Chuck came up with an unusual solution: huge rolls of colored plastic that he unraveled in front of the class. Watching his classmates' reactions to his "sculpture," Chuck suddenly realized that "people respond to movement and motion." This was the start of Chuck's fascination with moveable sculpture. "I just got really obsessed with thinking about mechanisms, gears, pulleys, cables, how can I make something that moves in an interesting way." Frustrated that he did not know as much as he needed to, he went back to school and studied engineering. After receiving his degree, Chuck worked for six years in a factory that made automation systems and robots. This job turned out to be important for him, because he learned how to use a computer and how to work with machinery. But he yearned to continue his art because, he says, "once you've been an artist, you begin to think, 'what can I do creatively, what can I do that's my very own.'" To satisfy this need, he got up early each morning to work on his own art projects before going to his job.
One question bugged him: how do you make something that disappears? He knew, of course, that he couldn't really make a sculpture disappear, but he wondered how to make something that would shrink as small as possible and then grow as big as it could. At first, he experimented with folding a piece of paper. He kept folding until he could fold a piece of paper into a complicated shape that unfolded and refolded with only a twist or pull. Magically, the paper seems to change shape completely and to transform into another object, just by being folded in a certain way. Chuck explains, "It's just a little piece of paper that's been folded, yet it's doing something surprising and unexpected." His simple paper folding led him to fold more complex plastic and metal objects, and Chuck realized he had found his calling.
Toys, Tents, and TrussesChuck Hoberman whimsically calls himself a "folder" because he folds things and because he invents objects that seem to unfold and fold themselves. "An unfolding object," he explains, "is a shape that grows itself. In other words, it's not just something that moves, it's something that completely transforms its size and shape. It does it in a way where you can really watch it go from one thing to another, and you can see all the different states in between." Chuck likes making things that look beautiful but also act or behave beautifully or in a surprising manner. His creations are pleasing to the eye when they are still, but they are even more fascinating and fun to watch as they expand and contract.
One of his inventions, a plastic toy called the Hoberman Sphere, is available in stores across the country. Another one, a motorized geodesic sphere that expands from 4.5 feet in diameter to 18 feet in diameter, is at the Liberty Science Center in New Jersey. These spheres are always strong, no matter if they are as big as they can be or as small or somewhere in between. Right now Chuck is building a huge, complicated steel structure called a hypar (hyperbolic paraboloid) for the new California Museum of Science and Industry in Los Angeles. This structure will be many stories high.
Besides these spheres and museum exhibits, Chuck has made prototypes (models) of a collapsible flying disk, a collapsible tent made of only one piece of plastic, and a briefcase that folds down to the size of a purse. And, he holds four patents on ways to pleat sheets of metal, plastic, or paper, and two patents on special truss structures (see below to learn more about trusses).
Mind's InventionChuck explains that inventing is challenging, rewarding, and sometimes frustrating. "To the point where you could go into a store and the Hoberman tent would be there and you could buy it-that's like saying I want to go to California, but I'm going to have to visit a lot of states along the way," this New Yorker says. "I never knew how big the country of invention was." "When you first have the idea," says Chuck, "that's the fun part, because that's really like being an artist. You just have a creative idea, a picture in your mind of something, and you think, 'I want to make that'." Deciding what to think about in the first place and then making your ideas real are the difficult parts of inventing. "Half of invention is being able to get the ideas in the first place, but the other half of it is being able to pick between ideas, to pick the ones that have the best chance of success in some way - of being built, of being exciting to people, of being beautiful."
"The reason I became an inventor was not because I had an idea that I wanted to be an inventor and to make these folding and unfolding structures," Hoberman explains. "I was interested in combining different interests into one thing. So, I was interested in art, and I was also interested in architecture, and in technology." Making his foldable structures "was a way to do a lot of different things all at once."
For Chuck, invention is part imagination and creative spark, and part hard work and perseverance. He admits it is frustrating to work for years on one idea, especially with all the calculations and computer work he needs to do. And, he laughs, "there are definitely things I make that don't work."
What's Next?Today, Chuck is working on new projects and thinking of how to improve and sell old ideas. He dreams of building a stadium or amphitheater roof that closes and opens as his spheres close and open. He imagines a small, person-sized sphere that expands once you step into it. He says that his inventions can be used "anywhere you want to have something that collapses down for some reason-anywhere you might want a structure that can grow bigger and smaller."
Hoberman realizes he is lucky because he likes his job and is doing what he wants to do. He has been featured on many TV shows, exhibited his work in museums and art galleries, taught math classes, and won many awards. Of course, he wants to make money from his inventions, but most of all he wants his ideas to be used. "If it's the structures that get famous, and I get a little famous too, then that's OK. But the first thing I'm thinking of is how to make the dream happen."
What does architecture have to do with math?
So you want to be an inventor?
All text and images © Smithsonian Institution. Updated 16 April 1999.


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Once A Terrorist
Israel 'supplied arms to Argentina during Falklands War' due to Prime Minister Menachem Begin's personal hatred of the British, a new book discloses. Begin saw the deals as a form of revenge for the hanging of a personal friend, Dov Gruner, by the British Mandatory Authorities in Palestine in 1947. Gruner was sentenced to death for his part in an attack on a police station by Irgun, the Zionist underground paramilitary movement which Begin commanded before the state of Israel was established.
"[Begin] hated the English above all; everyone had forgotten the British occupation, but not him" according to Lotersztain.
His colleague Jaime Weinstein agreed, saying: "He did all that was possible to help Argentina, selling her weapons during the Malvinas [the Argentine name for the Falklands] conflict."
Begin interrupted the Isrex officials as they tried to explain the situation, saying: "You've come to talk badly about the British. Is this going to be used to kill the English? Kadima (go ahead).
We should have hanged him as well, remember he was a terrorist fighting against Britain during the war years.. But of course one can't say that now as he became a "statesman".


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3 Banken EDV Increases Customer Satisfaction And Reduces Costs With Compuware APM
Optimizes E nd User Service Delivery Across Mobile , Web and Mainframe Platforms
COMPUWARE Perform Global User Conference, ORLANDO, Oct. 10, 2013 (GLOBE NEWSWIRE) -- Compuware Corporation (Nasdaq:CPWR), the technology performance company delivering a new generation of application performance management (APM), today announced 3 Banken EDV (Drei-Banken-EDV Gesellschaft mbH), a shared service IT provider for three leading banks in Austria, has adopted Compuware APM User Experience Management and APM for Mainframe solutions. With these solutions, 3 Banken EDV is now able to further optimize end user service delivery across mobile, web and mainframe platforms, as well as significantly reduce costs and mean-time-to-repair (MTTR).
With more than 1.5 million customer accounts across Oberbank AG, BKS Bank AG and Bank für Tirol und Vorarlberg AG, 3 Banken EDV's mission is to deliver 24x7 IT services to its Central European clients across a highly versatile and complex application infrastructure. 3 Banken EDV has aggressively adopted an ambitious plan to embrace the shift to mobile banking by implementing new mobile application architecture. With online transactions increasing each year, 3 Banken EDV wanted to implement a new application monitoring approach to take advantage of the growing online opportunities, while mitigating the impact of that increase on the mainframe environment.Leveraging Compuware APM Real User Monitoring for Mobile and Web applications, 3 Banken EDV can monitor the performance of its most important mobile and web applications. With APM for Mainframe, 3 Banken EDV has true end-to-end monitoring across the web and mobile environment into and through the mainframe systems, where applications are running. "By using Compuware APM solutions, we expect to increase customer satisfaction and reduce costs as well as become much more efficient and proactive from a performance management perspective," said Karl Stöbich, CEO, 3 Banken EDV. "In addition to reduction in MTTR, we anticipate reduced MIPS consumption and fewer delayed upgrades as the result of proactive monitoring, which will lead to improved overall quality."
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SUMMARY: Contests are often used as a quick fix to grow an email list. But with a little more planning, you can design a campaign that offers more than a one-time lift, and targets quality names for your database.
Read how an ecommerce marketer established a monthly contest targeting customers with a popular product offer. The campaign has more than doubled the size of their email list in eight months and the new names are providing better response than those from the existing database.
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