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Applying first time for SS disability
Next week I will be applying for disability for the first time. My neurologist told me I was at the "end of my rope" as far as getting better and that I would in fact gradually get worse. We are barely making it on DH's salary and it would help so much. I read on the internet that you have to work 5 out of the last 10 years. I have worked 9 out of the last 10 years, but only one of those years was full time. Does anyone know if working part time matters?
If anyone has applied and can offer any advice, I would be so thankful. Should I send in my doctor records with my application? Would this save time?
I am quite certain that part-time counts, but all of the answers to your questions can be found on-line. See the link below.
You can also begin the process on-line. I am guessing you don't have a condition that automatically qualifies, so it will take DDS some time to process your case.
Here is a link that might be useful: SS disability work requirements
I have degenerative disc disease, as well as arthritis in my neck, and I was told that this is one of the conditions that does automatically qualify a person, but I am not sure. Gandbb, would you know if degenerative disc disease automatically qualfies me? I have 4 sisters who have this same problem so I guess my bad health is inherited.
I don't think that degnerative disc disease will automatically qualify you for disability, but there are few conditions that do. Most people on disability have had to prove their case from their medical records and other evidence. You will be asked to do a daily activities report. They will want to know if you clean your own house, do your own grocery shopping, drive etc. It is important to have good medical records, particularly if you have hard evidence like x-rays, cat scans and MRIs. If you don't have current medical records, the SSA will pay for a medical exam, but they won't pay for expensive tests. IF you are not working, then there is really nothing to lose by making your application. If you quit a job that you need to have on the assumption that you will qualify, that is another matter. You should also know that there is a 5 month waiting period for benefits to begin. YOu are supposed to spend down your savings for that period of time. I think it all depends on your doctor and his willingness to go to bat for you and the clear evidence he can provide based on hard evidence. You should know too that most people who hang in there with their appeals are usually successful.
I do have current medical records, MRI's/x-rays and am still currently being treated. I quit my job in May because I just could not do it anymore. My wonderful husband has taken over a lot of the daily chores that used to be so easy for me to do. I have been reading about how to apply from the site you sent me. I have to gather some information before I can start the process like last year's earned income, birth certificate, etc. It will probably take me all day to figure all this out.
I applied for mine several years back.
They deny you the first time automatically.
Then you start the appeals process.
Mine went all the way thru a hearing in front of a judge.
It was finally granted, but only SSI for me.
You have 5 years to file since you last worked.
Your disability must have started sometime in that 5 years.
The judge ruled that my disability started after the 5 year limit,
so I now only get SSI benifits.
The maximum for disability is 700 and some odd dollars per month.
The maximum for SSI is 521 dollars per month.
You will get denied the first time you file.
I got a lawyer to take care of mine.
Yes you can do it without a lawyer, but I still feel as tho I wouldn't have gotten except for the lawyer.
Lawyers are allowed to charge you a Maximum of 25 percent of your back pay.
After your case is decided, SS will send you a letter telling you how much your lawyer can charge you.
Be patient. It takes a long time to hear anything about this.
I filed mine is February 2002. My final decision was given sometime late last summer. I got my first check for October 2003.
I didn't have to wait long after my decision to start getting money.
SSI is based on household income. They will revue the household expenses and assets, and any other money that is coming into the household, and base your check amount on that. My wife is allowed to make roughly $600 per month before they reduce my check any. This is only for SSI. If I had gotten regular diability her income or our bills wouldn't have mattered.
I got denyed thru the first few appeals. It is very hard to get disability for a physical problem. If you can sit at a desk and work, or even sit at a cash register and work, then you are employable and don't need disability. So they deny you.
There is a discussion about this going on over at the Accessible Gardening forum.
The link is below.
Pooh Bear
Here is a link that might be useful: Disability denied because gardening a hobby?
It is not true that disability claims are automatically denied the first time. As I recall, about 30% are denied. It sounds to me like downsouth has a good case and I wouldn't be at all surprised if it doesn't go quite smoothly given that she has physical proof of her disability. I know that DDS can be hard to deal with, but would you rather they just shoveled your tax money out the door to anyone who asked for it? OF course I wish it worked better, but every claim, no matter how slight, has to be considered and that creates a tremendous workload. People are free to apply again and again. For many people there is no cost at all. DDS will pay for their medical examination. Did you know that there are social workers whose job it is to walk the streets to try and find out if the homeless and indigent should be on disability? DDS programs are managed by the states, but under the supervision of the federal government. Qaulity control is really important. A DDS worker is dinged just as hard for incorrectly denying someone as incorrectly approving someone. Most of them work really, really long hours. There are more cases than people to handle them, but you don't get tax rebates without cutting programs and personnel. This is a ballot box issue - not a case of an agency gone wrong - just an agency without enough money to carry on its obligations in a timely fashion.
As a healthcare provider, I have from time to time recommended that someone seek disability benefits. So far, every one of my patients has been awarded benefits the first time they applied.
When a patient of mine applies, the Disability Determination Bureau sends me a letter requesting information about the person's health, ability to function, etc. There is often a wait for applicants to hear back, but my opinion is that the wait has more to do with us healthcare providers being slow to get our records ready (e.g. due to the turnaround time for getting transcription back, getting proper releases, etc.) than the SSDI personnel being slow. But that's just my experience here in Iowa. Could be different with others.
The turnaround time from medical personnel certainly makes a difference on how fast things are processed, but most agencies are really short on staff, partly because the burn out rate is high. You have probably heard of "steal a cop" programs where jurisdictions try to lure away trained policemen, well it happens with disability adjudicators too. States have been known to put together brochures extolling the beauty of their state to lure away experienced DDS personnel
Poohbear, why did you get SSI and not disability? What is the difference? If you get disability, do you get the full amount you would have been entitled to at retirement age? It's getting harder and harder every month to pay the bills and we have no money left to do anything. It sure would be a blessing if I could get approved.
I have sent off to get my Social Security statement and that takes 4 weeks. Don't I need that before I can apply, as I was going to apply online? I quit my job in May. Is that going to hurt me working up until then, even though it was only part time? I just couldn't do the work anymore.
I read on the internet that I need to let my doctor know I will be applying for disability. Do I need to send him a letter?
Disability almost always pays better than SSI, and your household income has to be exceedingly low to qualify for SSI whereas household income is not taken into account for disability. Disability is an entitlement program like regular social security. SSI is a welfare program based on need, not on anything else. Disability normally pays better than social security and so even recently retired people will apply for and get disability so long as they are under 65. Once you are 65, you will switch to social security, but your payment will remain the same - almost always more than you would otherwise get.
I don't see how not quitting until May will hurt you. AS I said previously, you lose 5 months anyway and they will count back to that time.
It seems to me to be a good idea to let your doctor know you are applying. That way he can have your records at hand when the DDS sends for copies. You might also want to ask him if he is going to support you on this. A letter from your doctor is worth a lot, though not as much as the MRI will.
Lots of people apply for SSI and disability at the same time. That way, if they are turned down for one, they will be automatically switched to the other. You will be considered for disability first because it pays better. AS I recall, you said your husband is working. IF he makes much over minimum wage then you are unlikely to qualify for SSI - but give it a shot. It doesn't cost extra. I really do think though that you will qualify for disability.
Gandbb, what would I do without you and your very helpful advice. You are so knowledgeable on this subject. The most recent MRI I had was to see if I was having a stroke (because of the numbness in my face). The MRI of my spine was probably done back in 1997 so they will probably want a newer one done. I did have a cervical x-ray this spring and a bone density test on my spine and hips last week (that was to check for osteoporosis by my orthopedic).
I think I need to write my company a letter and request my earnings for this year, as I have no idea what I made. I will also write my doctor a letter and let him know I will be applying for disability as soon as I get my SS statement. How do I ask if my doctor is going to support my disability claim? Do I just point blank ask that in my letter to him or should I just say I hope you are going to support me in my claim for disability? I'm not good at wording a letter like this, I have never written a doctor before.
I got only SSI because the judge ruled that my disability started more than 5 years after I quit working.
I quit working in 1996. The judge ruled that my disability didn't start until 2002. So it was ruled that my disability had started more than 5 years after I last had a job. This 5 year limit made me inelegible for disability benifits. But I was still elegible for SSI.
SSI is based on household income. So Cindy can only make a certain amount before my SSI check is reduced. SSI is a maximum of $521 per month. If Cindy makes over $600 in a month, then that amount is reduced for us. The $600 amount is derived from a formula that takes into account household expenses such as rent, utilities, child support, etc. They base each month's check on what household income was last year. Or what it is projected to be. And we have to periodically send in Cindy's paycheck stubs. If they estimate a month high, and Cindy's actual income is lower, they will make it up. This month, based on last years income, I only get a little over $300. But Cindy will still make under $600. So sometime in the next few months they will send us the difference between this month's check and $521.
You SSI and disability checks are retroactive. The payments will be for the period of time from the day your disability started. So if it takes 2 years to go thru the process of applying, you will get the payments for all that time back to when you became disabled. If you get approved you will get a really big backpay check at the beginning. This will be the back pay. They split mine into two checks. If you used a lawyer to help with your claim, he can only charge up to 25% of the backpay. You will get a letter from SS telling you how much he can charge you.
I was told it is very hard to get approved for a physical disability.
The questions for them is "is there any job you can do".
They consider if you can sit at a desk and work then you can get a job.
The standard was even higher for when I applied to have my student loans discharged because of disability. They told me unless you are comatose you can forget it. I was denied and I am going to see what other options I have.
Pooh Bear
I forgot.
You don't need your SS statement to apply.
I went to the local SS office and applied.
If you ask, someone there will help you fill out the papers.
And they pulled up my statement right there.
The only thing they asked me about is was it all correct.
And yes, apply for SSI at the same time. Every little bit helps.
Also, in addition to the 25% my lawyer got, he was also allowed to pass on to me the fees that the doctors offices charged for sending records. One doctors office charged me $75. Most others were $25. So be prepared for this.
Pooh Bear
I was going to apply online so I won't feel rushed at the local office, and I can take my time filling out the form to make sure I provide them with all the answers they need. Also, if I don't have an answer, I can pick up the phone and call my doctor's office.
If I'm denied the first time, how long do you have to wait to apply again?
Pooh Bear, when I tried to open up your link above regarding "gardening as a hobby", I got a recipe for spider spray. I can understand why a claim would be denied if gardening was a hobby. Gardening is very strenuous work. Try pulling up a few weeds with your hand and see what that does to your back.
You don't apply again, you appeal. Immediately.
You have to apply and be denied before a lawyer will even talk to you.
And if you get approved the first time, you don't need a lawyer.
I wasn't rushed at all when I applied. It would be a good idea to have looked over the form and know the answers. All the person is really doing is writing down the answers you give them. And they can explain the questions if you need it.
The link I posted is on the Accessible Gardening forum.
Pooh Bear
Here is a link that might be useful: Disability denied because gardening a hobby
IF you don't apply on-line, the best place for making your application depends on which state you live in - so call ahead if you decide to do that. Appealing a decision that goes against you involves several steps and you don't need an attorney at the beginning. The first will just be a review by another adjudicator. If you fail there, then you can take it up the line to an administrative judge. For that you should probably get an attorney who specializes in disability claims. They are nearly always successful. Persistance counts.
I am still very hopeful that you won't need to appeal. Be careful but honest in filling out your daily activities report. Saying that you garden without explaining that you only putter in a pot for a couple of minutes a week would get you denied. Your husband will likely also be asked to fill out a daily activities report for you. You will be asked about driving, cooking, grocery shopping - all the usual stuff. The assumption is that if you can manage your home by yourself, you can also work. It is also true that the standard of "can she work" won't be based just on what you did before, but on what you could be doing now. With you back condition, I don't imagine that you can sit or stand for any length of time. Your age will also be considered. DDS won't usually ask someone to retrain who is getting close to retirement age particularly if it is a move from manual labor to skilled labor. There are a lot of variables involved.
I was probably incorrect to say that you should ask your doctor if he is going to support you. Just let him know that DDS will be asking for your records and if he has any questions, his office should get in touch with you. That way he should feel obligated to let you know if he doesn't think his records will support your claim.


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The Villa above the Clouds
Posted March 12th, 2012 by Dave and Deb in category Europe, Italy, PlanetD Blog, Travel Photography
11Bella Italia!
Italy is scrumptious. We only spent 4 days in the Cinque Terre region but it was enough of a taste to know that we want to see more. We're heading back to italy in April for a travel blogging conference and are looking forward to spending a bit more time in this romantic country. While we dream of our travels to Italy next month, enjoy our memory of a drive we took down the coast two summers ago.

subset: commoncrawl


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Cash flow in the economy shrank in the past several months due to the ongoing strikes and blockades.
The business community and bankers say if the situation does not improve immediately, cash movement may plummet further and hurt the economy's growth potential.
"The daily transaction value through our ATM network has declined drastically. Our 300 staffers across the country are sitting idle," said Kazi Saifuddin Munir, chief executive officer of ITCL, the parent company of Q-Cash.
Q-Cash, a leading electronic payment gateway in Bangladesh, has around 2,300 automated teller machines (ATMs), serving clients of 33 member banks.
On a normal day, an average of Tk 450 crore is transacted through the Q-Cash ATMs, which rises to Tk 600 crore around special days such as Eid, but the daily transaction value has now dropped to below Tk 100 crore, Munir said.
The value of point of sale (POS) transactions, where customers make payment to merchants for goods or services, has dropped to Tk 300 crore a day now from Tk 1,200 crore previously.
Transactions through Dutch-Bangla and BRAC banks that run two other ATM networks also declined, but not drastically. In October 2013, nearly Tk 2,500 crore was transacted through 2,450 Dutch-Bangla ATMs; it has dropped to about Tk 2,100 crore in both November and December, according to Abul Kashem Mohammad Shirin, deputy managing director of the bank.
Transactions through BRAC Bank's ATM dropped by 7 percent in the last two months compared to the same time in the previous year, said Zeeshan Kingshuk Huq, head of corporate affairs and service quality.
The trend in cash flow is more or less similar to the business houses that cannot deliver goods to retailers, who also cannot sell goods to consumers due to the ongoing strikes and blockades. Banks are also sitting on idle funds, as borrowers are not taking even their sanctioned loans.
"Goods are being produced at our factories, but we cannot make deliveries and collect cash from the retailers," said Lutful Bari, director (operations) of Meghna Innove Rubber that makes tyres, tubes and parts for bicycles, motorcycles and CNG-run three-wheelers.
Helal Ahmed Chowdhury, managing director of Pubali Bank, said there is no study on how the cash movement has dropped exactly, but it is certain that the cash flow has been hampered by the political impasse.
"Now, cash management has become a big challenge, as some branches have huge surplus funds and some are running short of cash," Chowdhury said.
Political unrest has also slowed implementation of the government-sponsored development programmes by 5 percentage points in the first five months of the current fiscal year compared to the same time in the previous year. Of Tk 65,872 crore earmarked for the annual development programme this fiscal year, only Tk 13,156 crore or 20 percent was spent in July-November.
Foreign investments, which are an important source of money inflow in an economy, also declined in recent months as foreign entrepreneurs are shying away from making any fresh investment in Bangladesh, according to a Board of Investment official.
BoI received only 7 proposals in October 2013, against 15 in September, data shows. Foreign companies proposed to invest only $20 million in October against a commitment of $1.91 billion a month ago. The number of local investment proposals also declined to 75 in October from 81 in September.


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30/09/2014 - OPENTECH is proud to announce the release of WoW on the stores, the wallet app by CheBanca! that enables remote payments and e-commerce purchases using the smartphone as a means of authentication and authorization.
This app relies on OpenPay, the end-to-end solution designed by OPENTECH to ensure a fast and profitable commercial rollout avoiding integration impacts on the existing IT structures of the Bank. Among the OpenPay services: Bill and postal slip payments, Top ups, Money sending, e-commerce purchases with MasterPass.
WoW is available for iOS, Android and Windows Phone for all the Customers of CheBanca! and Visa, Visa Electron or MasterCard cardholders.
05/08/2014 - Starting from today OPENTECH is a PCI DSS certified company. The achievement of this important result is part of our strategic roadmap, increasingly focused on providing end to end solutions aimed at encouraging the growth of the mobile payment ecosystem.
23/07/2014 - YouPass, the BNL mobile wallet designed and developed by OPENTECH, is now available on Google Play Store. This release marks the official launch on the market of OPENTECH FAST PAY, the NFC payment interface created by OPENTECH that has been certified by MasterCard Worldwide.
With YouPass the Italian Customers of BNL can now pay on any NFC POS with their smartphones, taking advantage of value added services such as expense tracking, budget management and fidelity card virtualization.
16/06/2014 - Now available on the App Store and Google Play MOBO, the mobile POS solution by BNL Positivity designed to meet the needs of the on-he-go business. The product is part of the OPENTECH offering for the acquiring world, providing merchants with a complete solution that includes a mobile app to accept card payments, and a web portal for management and business analysis.
23/07/2013 - OPENTECH is proud to announce the release on the App Store of the brand new iPad app of UniCredit Italy. Designed and developed by OPENTECH, this solution comes after a deep cooperation with the business and the IT divisions of UniCredit. The result is a very innovative mobile banking product which makes the most of the Apple's tablet to improve and simplify Customers' financial lives.
05/07/2013 - The new YouPass Project is at the starting line. This NFC proximity payment pilot based on the OPENTECH FAST PAY user interface, is the result of a partnership between OPENTECH, WIND, BNL (BNP Paribas Group) and SIA.
19/04/2013 - MasterCard has certified OPENTECH FAST PAY, the proximity payment mobile app designed by OPENTECH . It is the first NFC payment app certified by MasterCard which includes a fully functional payment widget. The solution has been used in a pilot project with H3G, Compass (Mediobanca Group) and SIA.
14/04/2013 - Today UniCredit Italy has released a new update of its mobile banking solution. In this new release the activation process has been simplified thanks to a new procedure based on QR Code technology, which allows the activation of the strong authentication tool through a online-only procedure. In addition, the brand new Push Notifications Manager by OPENTECH enables a mobile communication channel with Customers for alerts, reminders and targeted news.
04/01/2013 - As of today, Customers can download from the App Store and Google Play the new UniCredit Bank Austria mobile banking app. The solution, designed and developed by OPENTECH, provides users with a complete set of financial services, including: account balance, statement of account, transaction signature, communication center and payment card management.
19/12/2012 - Great news for ING DIRECT Italian Customers: the official mobile banking application for iOS and Android smartphones is now in the Stores. Enjoy this novel solution developed by OPENTECH, which allows you to check Balance and Movements of your banking accounts, look at your mortgage info, manage your cards and make payments and even photopayments, directly from your phone.
29/11/2012 - A new version of the Webank app for smartphones, developed by OPENTECH, is now available on the App Store and the Google Play Store. This update provides users with a renovated, high performing user interface, characterized by a comfortable two-level navigation system wich allows you to reach any product and service instantly.
24/05/2012 - OPENTECH released on the Marketplace a brand-new version of Yellow Pages, one of the first applications available for Windows 8. The app, developed in collaboration with Microsoft Corp.'s User Experience team, enables users to access an updated information database of more than 3,8 million companies interacting with an exciting Metro-style interface.
26/04/2012 - Filling in a payment slip becomes easier thanks to smartphone cameras. OPENTECH released a new version of the UniCredit application adding for the first time on a smartphone banking solution (available both on Android and iOS platforms) a "photopayment" feature. This update allows users to easily and quickly fill in a payment slip by scanning with the camera phone the 2D Code (Datamatrix) printed on the document.
25/11/2011 - Now available on the Android Market the latest update for the Yellow Pages app developed by OPENTECH. This new Christmas-themed version provides a renewed Graphical User Interface optimized to be used both on smartphones and tablets.
22/11/2011 - New update for Unicredit's mobile banking app. The solution developed by OPENTECH and UniCredit Global Information Services now provides two additional features: "Cards" and "Locator". "Cards" allows customers to manage debit, credit and prepaid cards, or delete them in case of theft or loss. "Locator" is a useful tool for finding the nearest UniCredit's branches and check their opening times and services.
16/11/2011 - Orange, one of the world's leading telecommunication operators, has announced three new Alcatel phones for release in Europe and Africa before the end of the year. OPENTECH cooperated in the project developing the Facebook application pre-installed on the devices. The app provides exclusive features such as chat with inline editing, friends tagging in photos and Facebook events sync with phone's calendar.
10/11/2011 - Motorola and TIM announce the launch in Brazil of the Motorola MOTOKEY SOCIAL ™ EX-225, a smart, compact handset wich offers direct access to Facebook through a dedicated key, and offers a deep integration of Facebook with native phone's User Interface (home screen widget, phonebook, camera). The solution is enabled by OPENTECH Social Networking Suite.
01/10/2011 - Finding information has never been easier. Thanks to the new speech recognition feature, the Yellow Pages application for Android developed by OPENTECH now allows users to set a search by simply dictating keywords. In this way every problem of keyboard inaccuracy can be avoided.
20/08/2011 - Now available on the Android Market the latest update for La Repubblica, the news app developed by OPENTECH. In this version, in addition to a renewed graphical user interface, customers will find the new areas: my news, premium contents, sports scores, video-gallery and live editorials.
06/06/2011 - New update for ING Direct's mobile site. Starting from this release, the solution developed by OPENTECH makes available new information (interests, loan instalment value and credit card plafond) and services: credit card management, giro and prepaid card top up.
05/03/2011 - The popular Italian newspaper La Repubblica comes to Samsung Bada with a fully optimized brand-new application. The solution, developed by OPENTECH, allows users to stay always updated enjoying an amazing mobile-reading experience.
16/08/2011 - Now available on the Apple Store the new Webank for iPad application inspired by the Wepad Project. The app adds to financial services new useful tools for the everyday life:
- Calendar, to record events and appointment;
- To do list, to take track of activities and manage priorities;
- Feed reader, to stay current on latest financial news;
- Official Webank Twitter-channel viewer, to stay informed and ask for assistance;
- Podcasts and YouTube Channels, to follow the latest audio/video financial news.
03/08/2011 - UniCredit releases a new update for its mobile banking. Starting from this version, the solution developed by OPENTECH and UniCredit Global Information Services will be available on Android platform and will provide "Trading on line".
04/04/2011 - Starting from today "La Repubblica" application is available on the Android Market with a brand-new application developed by OPENTECH. The solution, fully optimized for Android's platform, ensures an amazing mobile-reading experience allowing readers to fullt enjoy one of the most important Italian newspaper.
03/02/2011 - Banco Popolare releases ByMobile, the official mobile site. The product, developed by OPENTECH, allows customers to check account balance and transaction list, transfer founds, make giro and top up mobile phones or prepaid cards directly from their cellular phone.
11/01/2011 - Starting from today, the Android application of Yellow Pages "augments" the reality. Thanks to the innovative augmented reality feature, the solution developed by OPENTECH allows users to easily access additional information - such as opening times and contacts – by pointing the mobile device camera to a point of interest.
10/01/2011 - The popular Italian newspaper La Repubblica comes to BlackBerry App World with a brand-new application. The solution developed by OPENTECH provides a graphical interface fully optimized for BlackBerry platform wich ensures an amazing mobile user experience.
11/12/2010 - ING Direct, one of the most important European Bank, releases its official mobile site in Italy, in order to provide financial services to any Internet-enabled mobile device. The site, developed by OPENTECH, allows customers to manage their own Deposit Account (Conto Arancio) and Transactional Account (Conto Corrente Arancio), check account balance and make payments.
15/11/2010 - UniCredit, one of the most important european Banks, launches its mobile banking solution in Italy. The application, developed by OPENTECH and UniCredit Global Information Services, is available as native client on iPhone, BlackBerry and Nokia platforms and as mobile site for any other connected phone. UniCredit's Customers can now check their account balance and make payments at anytime and everywhere without having to stand in a queue or in front of a PC. In addition, the application integrates an exclusive one-time password generator - the "mobile token" - wichh enables completely safe online transactions with no need of physical token or password card.
19/10/2010 - The Yellow Pages application for Windows Phone 7 is now available. The app, the first one OPENTECH developed for the Microsoft platform, helps users find points of interest searching on both Yellow Pages and White Pages databases.
15/09/2010 - A new update for the Webank's mobile banking solution is now available for all the covered platform. Now the application developed by OPENTECH provides a new feature that allows deposit account management and found transfer in addition to the banking and payment services yet integrated.
10/09/2010 - The popular Italian newspaper La Repubblica comes to Nokia OVI store with a brand-new application. The solution, developed by OPENTECH, provides a graphical interface fully optimized for Nokia's platform wich ensures an amazing mobile user experience.
19/01/2010 - Yellow Pages, the popular telephone directory of businesses, comes to Android with a brand-new application developed by OPENTECH. Thanks to its amazing user experience, this solution helps users easily find points of interest on both Yellow Pages and White Pages databases.
30/07/2009 - Starting from today Webank's mobile banking solution is available on iPad with a fully optimized application. This new product, developed by OPENTECH, allows customers to access financial services interacting with an innovative graphical user interface wiche exploits tablet's capabilities.
29/10/2008 - Webank's mobile banking application is now available on the iPhone. The solution, developed by OPENTECH, is fully optimized for Apple devices and allows customers to access the most important financial services such as: account balance and transaction list, transfer founds, giro and mobile phones and prepaid cards top up.
02/07/2008 - Webank, one of the most active Italian Banks in digital financial services provision, released its first application for Java mobile cellullar phones. This solution, developed by OPENTECH, allows customers to check their account balance and transaction list, transfer founds, make giro and top up mobile phones and prepaid cards.
OPENTECH is a leading company in mobile application development providing solutions for millions of people from 53 Countries, on over 100 carriers.
Thanks to a team of talented designers and highly skilled engineers, we help our customers find the best product for their needs, taking care of the whole development process, from concept making to integration.
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3. Usability. We pay attention to the ease of use of our products, focusing the interaction process on efficacy, efficiency and user's satisfaction, key factors for providing an amazing mobile experience.


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To be considered for admission by the School of Education Graduate Studies Admissions Committee, applicants must have a complete application on or before the posted application deadline for each upcoming term. Admissions Committee meetings generally take place within one week following the posted application deadline for each upcoming term. Applicants are typically notified of the Committee's decision within one week following each Admissions Committee meeting. Applicants should plan completion of applications accordingly to accommodate for possible schedule variations (holidays, inclement weather, etc.). Admission is competitive and applicants meeting the application deadline will be given preference. Admission is determined by the School of Education Graduate Studies Department Admissions Committee, which considers a combination of the applicant's GPA(s), GRE/MAT score(s), results of scholarly writing sample evaluation, written statement of purpose, candidate recommendations and interview (if applicable).
It takes approximately two full weeks for newly admitted candidates to be issued a Samford UserID, password and email address - information that is needed to register and pay/coordinate Financial Aid for courses.
Candidates not completing payment for courses by the payment deadline may be dropped from courses and/or issued a late payment fee.
Candidates interested in the Special Alternative Certificate should direct all inquiries to the Certification Officer at 205.726.2566.
The Immunization Record requirement is NOT part of a complete application for the School of Education Graduate Studies Department. Applicants are expected to have the Immunization Record requirement complete no later than two weeks after the first day of the first term of his or her program to avoid a Student Health Services Immunization Record requirement late fee. All inquiries regarding the Immunization Record requirement should be directed to Student Health Services at 205.726.2835.
Students and applicants with disabilities who seek accommodations must make a request by contacting the Section 504/Disability Access and Accommodation Coordinator, Anne Sherman, Director of Disability Resources, 205-726-4078, email@example.com.


text: TOP 10 Top 10 Dating Top 10: Pickup Tips From Jersey Shore Back to Top ▲ Top 10: Pickup Tips From Jersey Shore 7 Just dance Share on Facebook Share on Twitter 0 Shares If you're only after the girls standing at the bar, you're eliminating at least half of the field, and talking on the dance floor is practically the eighth original sin. Don't get us wrong. By no means do we want you to fist pump, or beat the beat back, but we do have to hand it to the boys of the Shore. They know that the pickup party starts and ends on the dance floor. Next Page TOP 10 9 8 7 6 5 4 3 2 1 Comments Show Comments More Like This Promoted Around the Web Special Features


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Abu Dhabi shows off region's first island stopoverAbu Dhabi Ports Company (ADPC) has hosted a familiarisation tour for international cruise line representatives on Sir Bani Yas Island, showcasing the very first beach stopover destination in the Arabian Gulf. The tour gave the cru More… |
ADPC names new finance chiefAbu Dhabi Ports Company (ADPC) the master regulator of ports and industrial zones has appointed Adel Al Wahedi as its new chief financial officer. Al Wahedi, who will be leading ADPC's financial and accounting operatio More… |
Abu Dhabi Ports unveils big investment plansAbu Dhabi Ports Company (ADPC) said it has invested more than Dh27 million ($7.34 million) in the the western region of Al Gharbia during last year to help improve key port facilities and help local communities and businesses. More… |
Abu Dhabi marks one year of Khalifa Port's successAbu Dhabi Ports Company (ADPC), the master developer of ports and industrial zones, is celebrating the one year anniversary of the inauguration of its state-of-the art Khalifa Port. It was exactly one year ago, on 12 Decemb More… |
ADPC to take over UAE port operationsAbu Dhabi Ports Company (ADPC) will take over the management and operations at Mina Zayed port (which is being rebranded as Zayed Port) on January 1, 2014 from Abu Dhabi Terminals (ADT). ADPC, a master developer and regulator of p More… |
ADPC signs Guinea mining ports dealAbu Dhabi Ports Company (ADPC), the master developer of ports and industrial zones in the emirate, has signed a pact with the Republic of Guinea to explore opportunities in mining ports. The MoU was signed last night (November 25) More… |
ADPC wins top data center awardAbu Dhabi Ports Company (ADPC)'s Khalifa Port bagged the 'Best Datacenter Project of the Year' title at the recent Network World Middle East Awards 2013 in Dubai. ADPC's data center project was based on the More… |
ADPC Ports expands training coursesAbu Dhabi Ports Company (ADPC), the Port Authority for Abu Dhabi's non-oil commercial and community ports, will broaden its Ports Training Centre offerings in 2013. The ADPC Ports Training Centre currently offers training pr More… |
Abu Dhabi Ports registers solid growthAbu Dhabi Ports Company (ADPC), a master developer and manager of commercial ports and industrial zones in the emirate, witnessed solid in 2012 with its maritime traffic rising significantly by 41.4 per cent from 56,510 units to 79,906 units. More… |
ADPC, Bechtel host job shadow dayAbu Dhabi Ports Company (ADPC) and engineering firm Bechtel hosted a group of Emirati students from the Higher Colleges of Technology (HCT) at Khalifa Port to offer them an insight into the operations of a mega port. The event, ai More… |


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Photo by ROMULO YANES
Active time: 40 min Start to finish: 9 3/4 hr (includes chilling dough)
Leave a Review
These are delicious - I've used homemade raspberry and apricot jams and the baking/slicing directions from this recipe, but I make 4 changes inspired by Ina Garten - I use half the jam this recipe calls for, I use half granulated sugar and half light brown sugar in the filling,I mix the filling ingredients together before sprinkling them over the jammed dough, and I sprinkle a combination of sugar and cinnamon on the rolled log. Chilling is a must! Next time I'll try homemade currant jelly with walnuts and dried cranberries - mmmm!
This is the best recipe. Search no more. Everyone tells me it reminds them of their Jewish Grandmother!!! They are addicting. I also make chocolate ones with Nutella!!!
Delicious! I make these every year with 1/2 apricot and raspberry preserves. They're a fair amount of work, but they keep very well and everyone loves them!
Absolutely delicious! I made 1/2 with apricot and 1/2 with cherry preserves, dried cherries and chocolate chips. Each well received by the traditionalist and the chocolate lover. The key is to keep the dough chilled!
Turned out delicious! Only problem I had was with filling spilling out the seams and then 'fusing' with the paper; I had to toss a couple pieces because I couldn't get the paper off them! So keep that in mind. :)
A bit of work, but very yummy. Be careful to seal the logs well--mine ended up oozing apricot preserves everywhere, but the resulting cookies were still delicious if not so pretty.
This is a terrific recipe. All my New York jewish friends tell me it reminds them of their grandmother's rugelach!!!! I am from NYC and I could not find a place down here that sells rugelach, so I had to search for a good recipe. This is it! Very easy to make and it freezes really well.
I've been making this since it was first published. I make it every Christmas for one of my cookies. It freezes perfectly which is good because they stale after 2-3 days at room temperature. They are the greatest and my favorite. I had made Maida Heatter's pinwheel style version from her 1981 cookie book, but this version is better. One thing the four step process to fill them always takes the greatest concentration and a concerted effort not to forget a step. I have to stop and double check just before each time I roll each strip up.
Anyone who knows me, knows "my" rugelach...and I'm always trying to convince people how EASY it is to make. (takes a bit of effort, but still easy). I have forgotten to add things, added new things (like chocolate chips) and dried cherries, and all sorts of other combinations and it never, ever fails. This is a holiday and year long recipe that I'm so happy to have found. Try it and you'll be famous for it! (and add chocolate chips!)
I make this exactly as written, except I make it into traditional rugelach cookie shapes. I fill them with all types of fillings. Everyone loves them! Thanks.


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5 Soldiersmalteser | 17/07/2010 | See all malteser's reviews (17)These soldiers are exactly like the soldiers in Toy Story, Toy Story 2 and Toy Story 3! They have the same weapons, there at the same levels. Highly recommended for any fan and collector.
5 Perfect for any Toy Story fan!Jenna4185 | 20/09/2010 | See all Jenna4185's reviews (3)Just like in the movies... Very pleased with the toy. Definitely recommend buying!


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In the eyes of some Republicans, one of the cruelest ironies of the recent government shutdown was its overshadowing of the rollout of Obamacare's insurance exchanges - an inauspicious, glitch-ridden debut that even the law's most ardent supporters were hard-pressed to defend.
The circus that attended the shutdown prevented the public and the media from focusing more completely on the website problems that stymied thousands who tried to explore the online insurance marketplace on healthcare.gov. Stories about privacy concerns and technological glitches that might have led evening newscasts, for example, were pushed to the back-burner by the fiscal food fight.
But now, with the budget war abated, at least temporarily, Obamacare's clumsy debut is again front-and-center on the political stage. And for Democrats, that could be a big problem.
It's clear they're trying to get out in front of the growing controversy. A senior administration official tells CBS News that President Obama is very upset with the problematic rollout, and that he finds the glitches with the website unacceptable.
On Monday, Mr. Obama will host an event at the White House to "to discuss how the health care law is strengthening health benefits and coverage for Americans," according to a White House official. He will be joined at the event by people who are already benefitting from the law, including some who have already managed to sign up for health insurance through the exchanges.
Democrats in the White House and Congress insist that, despite the rough beginning, the law will eventually accomplish exactly what it set out to do. The administration has announced that nearly half a million people had already completed applications- only the first step in the process, but a substantial one.
"The product - quality, affordable insurance - is good, and if anything, the interest and demand at the launch of HealthCare.gov proves just how urgently Americans want and need access to these new health care options," the White House official explained.
"The number one worry before we started was: Are people going to be interested? Will people sign up?" recalled Sen. Chuck Schumer, D-N.Y., Sunday on NBC's "Meet the Press." And based on the number of applications submitted, he explained, "the answer to that is, overwhelming, yes."
"I think the computer glitches are being used by a good number of people who never wanted Obamacare in the first place as an excuse to just sort of bash it," he said.
The technological problems have "to be fixed," added House Minority Leader Nancy Pelosi, D-Calif., on ABC's "This Week." "But what doesn't have to be fixed is the fact that tens of millions more people will have access to affordable, quality health care."
The administration has vowed to redouble its efforts to induct consumers into the exchanges, taking the website offline at various intervals for repairs and expanding the availability of offline options - like call centers or paper applications - to allow people to sign up for insurance in the absence of a functioning website.
But Republicans, with the shutdown only just past, are already having a field day with the lingering problems surrounding the Obamacare rollout. Some are openly demanding the resignation of Health and Human Services Secretary Kathleen Sebelius.
"Absolutely she should resign," said Sen. Ted Cruz, R-Texas, on CNN. "Why? Because the program she implemented, Obamacare, is a disaster. It's not working. It's hurting people all across this country." Cruz joined Sen. Pat Roberts, R-Kansas, a long-time friend of the Sebelius family, and others demanding her ouster.
Some Republicans, including Sens. John McCain, R-Ariz., Marco Rubio, R-Fla., and Roy Blunt, R-Mo., struck a more circumspect tone, saying the problems are unacceptable but adding that Sebelius should answer to Congress for them. Even Sen. Dick Durbin, D-Ill., a close ally of the administration, predicted on "Fox News Sunday" that the secretary would eventually testify before Congress.
One concern voiced by conservatives is that an insufficient number of people might sign up - or that only unhealthy people would summon the patience to work through the glitches and purchase insurance - which could send insurance premiums skyrocketing on the exchanges.
"if enough people don't sign up for these exchanges, the rates on these exchanges are going to be astronomical and they're going to undermine the entire private health insurance industry in the country," said Rubio on "Fox News Sunday."
In light of concerns about cost and technology, some Republicans are vowing to continue trying to dismantle the law. Cruz pointedly refused to rule out a second government shutdown aimed at undoing Obamacare when the current spending bill expires in January. "There are a lot of politicians in Washington that want to put Obamacare behind us, say OK, fine. No more. No more discussing Obamacare. And you know what? The American people are not satisfied with that," he said. "And my view, we need to keep as our priority providing real relief for the people who are hurting because of Obamacare."
But others are content to assume the law will eventually collapse under its own weight, portraying the technological glitches as just the first of many fiascoes to come.
"This is just the beginning of the problems associated with a massive restructuring of one fifth of our economy, and there's going to be a whole lot more problems associated with this before it's done," said McCain on CNN.
"Obamacare is going to fail on its own right," predicted Sen. Tom Coburn, R-Okla., on NBC's "Meet the Press." "The fact is that the sick people are signing up, the healthy aren't. And they're not going to because the deductibles are so high and the cost is going to be high."


text: Photos From Rick Ross' Video Shoot By Rose Lilah Rose Lilah @roselilahhshit Follow Posted Dec 27, 2011 at 11:33 AM 1 0 21Comments 5,891 Views Check out some photos on the set for the video of Rick Ross' title track off his upcoming mixtape,"Rich Forever." DJ Khaled, Drake, Meek Mill & French Montana were all present. SOURCE Tags: Add Comment 1 0 Copy Share on Tumblr Share


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Bosch Compact 4 Quart Mixer
Limited Supplies, get this mixer while it lasts!
Bosch Compact Mixer
Free Shipping (In continuous U.S.)
Limited Quantity Available
Manufacturer: Bosch
Model: MUM4420
400 watt motor is quiet yet the most powerful in its class. Sturdy 4 quart mixing bowl kneads up to six pounds of dough. Unique planetary gearing assures thorough mixing. Ingenious design of the multi-function arm accommodates many accessories.
- Four-quart plastic bowl with anti-splash cover
- Four-cup capacity blender with stainless steel blades
- Continuous shredder with slicing and grating discs
- Beating and stirring whisks
- Dough hook
- Cover for blender drive
- Powerful blender with stainless steel blades pulverizes ice.
- Ergonomic multi-function arm with special gearing and 3 drive positions for maximum versatility.
- Convenient cord storage.
- Suction feet for optimum stability.
- Speeds: Four electronically controlled speeds plus parking position.
- Overload and restart motor protection.
- Highest safety standards.
- Dimensions: 13 x 11 x 10-1/2 h
- Weight: 11 lbs.
1 Year WARRANTY
Model# MUM4420UC


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Monday, October 31, 2011
Westminster College's "Get Real!" life preparation series will present a panel on "Living Green" Tuesday, Nov. 8. This will be the final session of the fall semester.
The panel includes: Dr. Clarence Harms, professor of biology emeritus and director of Westminster's Field Station; Corey Shaw, Westminster director of disability resources, and his wife, Valarie; and Maureen Swanson of the Learning Disabilities Association in Pittsburgh, who works nationally with the Healthy Children Project and has spoken before Congress on the issues of toxic chemicals and connections with learning disabilities.
The group will discuss consumerism, energy consumption, and share tips on alternate and natural ideas to be better stewards of the planet.
Sponsored by the Office of Student Affairs, the "Get Real!" series is a program that acquaints students with life after college. It provides helpful advice on financial planning; banking; medical care; consumer and personal legal matters; apartment, auto, and house hunting; getting the most out of leisure activities; and preparing for lifelong relationships.
Each workshop covers a different topic and runs from 12:45-1:45 p.m. in the McKelvey Campus Center.
Email for additional information.
About Westminster College...
Founded in 1852 and related to the Presbyterian Church (U.S.A.), Westminster College ranks first in the nation as "Best College for Women in Science, Technology, Engineering and Math," according to Forbes.com. Westminster, a top-tier liberal arts college, ranks third in graduation rate performance, according to U.S. News Best Colleges guide. Westminster ranked 6th among liberal arts colleges in social mobility, according to the Washington Monthly College Guide, and is one of the most affordable national liberal arts colleges in Pennsylvania. Westminster is also honored as one of "The Best 376 Colleges" by The Princeton Review, and is named to the President's Honor Roll for excellence in service learning.
Nearly 1,600 undergraduate and graduate students benefit from individualized attention from dedicated faculty while choosing from 42 majors and nearly 100 organizations on the New Wilmington, Pa., campus. Visit www.westminster.edu/advantage to view "Advantage: Westminster" A Strategic Plan 2010-2020.


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Most trusted Canadian?
In this year's survey, the top seven spots were David Suzuki (193 votes), Mike Holmes (112), Michael J. Fox (96), Queen Elizabeth II (89), Lloyd Robertson (64), Sheila Fraser (64) and Stephen Lewis (50). Not until we get to the 8th spot do we hit Stephen Harper at 48 votes - just 4% of all votes cast.


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Pre-IPO Offerings—These Scammers Are Not Your Friends
It's no secret that when a promising company emerges or an industry sector becomes "hot," investors typically flock to get a piece of the action. But what happens when the company is privately held and investors can't readily buy shares because the company has not conducted an initial public offering of its stock? Investor demand for shares of the private stock of high-profile social media companies—such as Facebook, Groupon, Twitter and Zynga—had surged before their IPOs. These companies had millions of subscribers and had dramatically changed the way people interact. But social media had also become the latest hook on which con artists could hang a scam. In this case, fraudsters dangled the promise of wealth from the sale of "pre-IPO" shares.
For instance, in late December 2010, shortly after the Securities and Exchange Commission settled a civil action, federal prosecutors brought criminal charges against a self-employed securities trader who allegedly bilked more than 50 U.S. and foreign investors out of more than $9.6 million in a series of pre-IPO scams spanning an eight-year period. We were also aware of other potentially fraudulent schemes that solicited potential victims by purporting to sell shares of Facebook.
FINRA issued this alert to warn investors about pre-IPO scams purporting to offer access to shares of popular, well known private companies.
Pre-IPO Speculation Always Risky, Can Be Illegal
In general, offerings of securities must either be registered with the SEC or meet an exemption under the federal securities laws—otherwise the offering is not legal. "Pre-IPO" speculation involves buying unregistered shares in a private company before the initial public offering of securities—and it can range from risky deals to outright frauds.
On the legitimate end of the spectrum, a company can sell its unregistered shares in private transactions (often called "private placements"), and such sales to investors are an essential source of capital for American business, particularly small firms. But these Investments can be fraught with risk—including the fact that you can't be certain the company being touted will actually complete an IPO. This means you cannot be sure whether you will ever be able to sell the shares you purchased. Separately, the fair market value of your shares may be based solely on speculation. And privately purchased shares typically come with restrictions, such as lock-up periods that prevent you from selling your shares for up to a year even if the company goes public in the interim. In addition, even though you might see advertisements or public solicitations to participate in a private placement, these deals are typically open only to "accredited investors," which includes individuals who have net worth of more than $1 million (excluding the value of their primary residence) or income of more than $200,000 in the current year and each of the preceding two years ($300,000 for couples).
On the other end of the spectrum, the unregistered shares offered to you could be part of a fraud. The company might not exist—or, if it does, the promoter might be offering shares he doesn't have or that he acquired in a questionable transaction. The fraud could also involve misrepresentations about the company and its prospects, including the likelihood, timing and pricing of any potential IPO. In the criminal case mentioned above, the defendant falsely claimed that he had worked at Goldman Sachs, was a preferred client of the firm and had access to discounted, pre-IPO shares of such well-known companies as AOL, Google, Facebook and Rosetta Stone.
The bottom line is that many pre-IPO scams involve unlicensed individuals selling unregistered securities—that's why it's critical to check out both the promoter and the investment. And pre-IPO offerings that target the general public—especially those that are publicized through "spam" emails—often violate the federal securities laws.
Protect Yourself
Fraudsters would have investors believe that virtually anyone can get in on pre-IPO deals of small, little-known start-ups as well as those of large, popular companies. One sure-fire way to avoid being taken in by an unsolicited offer is to ignore it—regardless of how you heard about it. Someone claiming to have shares of Facebook or some other social networking company may very well be a paid promoter or, more likely, a con artist trying to take your hard-earned money.
Never rely solely on information contained in an unsolicited fax, email, text message, tweet or other format for social network communications—or in a blog post or online thread. To steer clear of potential scams, follow these tips.
If a Problem Occurs
If you believe you have been defrauded—or treated unfairly by a securities professional or firm—please send us a written complaint. And if you suspect that someone you know has been taken in by a scam, be sure to give us that tip. Here's how:
Online: File a Complaint (for you) Send a Tip (for others) | Mail or Fax: FINRA Complaints and Tips 9509 Key West Avenue Rockville, MD 20850 Fax: (866) 397-3290 |
Additional Resources
To receive the latest Investor Alerts and other important investor information sign up for Investor News.


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EUGENE, Ore. — Blazer, a four-year-old shepherd mix, stopped by the KEZI 9 newsroom this morning to appear on Pet of the Week.
Blazer is an active, 123 pound dog and would be great for any home with children over the age of 10. He loves running around and playing with other pets.
If you're interested in adopting Blazer contact the Greenhill Humane Society at (541) 689-1503.


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RAM Gameroom R181 Billiards Coat Rack
Product Description
Available while supplies last.
Billiards Coat Rack
Materials: | Resin | |
Weight: | 11 Pounds | |
Listing: | Quick Ship, Duty Free in Canada | |
Coat Rack Design | Wall-Mounted | |
Special Features for Coat Racks Coat racks are generally built with additional features to add value to your space | Special Features for Coat Racks | Decorative Hooks |
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At first I thought it looked a little cheesy as the painting is very obviously done by hand, however, this actually makes it look sort of home made and gives it a real flare. Nice piece for the rec room.
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For twenty-one years, Judge Isaac Parker held the bench of the U.S. Court for the Western District of Arkansas, located in the border town of Fort Smith. His tenure was unique in the history of the federal judiciary in that Hanging Judge Parker heard thousands of criminal complaints involving disputes and violence between Indians and non-Indians. He sentenced 160 people to death, over his fourteen years on the bench, earning him the distinction of the Ft. Smith Hanging Judge.
The staff at the Fort Smith National Historic Site points out that while sensational cases and mass executions overshadowed Parker's contributions in rehabilitating offenders, reforming the criminal justice system, and advocating the rights of the Indian nations. In Fort Smith he tried to create, in his own words, "the moral force of a strong federal court."
Visitors and researchers alike learn during their tour that Judge Isaac Parker is remembered in Western novels and films as "Hanging Judge Parker," but that his real career and accomplishments in Fort Smith are far more fascinating and complicated.


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Spicy Carrot Salad
Although this is not a grilling recipe, it goes so well with grilled meats, we had to include it. This is a great make-ahead party dish as it keeps well in the refrigerator for 1 - 2 days.
1 lemon, freshly squeezed
1 tbsp cider vinegar
2 cloves garlic, minced
1/4 tsp cayenne
1/2 tsp ground caraway seed
1/2 tsp ground cumin
sprig cilantro for garnish
1 tbsp olive oil
3 tbsp yogurt
1 lb grated carrots
dash salt
Combine the lemon juice, vinegar, garlic, cayenne, caraway and cumin in a small glass mixing bowl. Whisk in olive oil and yogurt, and season with salt. Pour over grated carrots and toss to coat. Garnish with sprigs of cilantro.


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FuelCell Energy Announces Stationary Fuel Cell Power Plant Service Agreement With Switzerland-Based Electric Utility
The project employees of ewz are closely involved in the operation and assessment of the stationary fuel cell power plant to study the almost complete lack of emissions by the fuel cells, the high electrical efficiency, and the operational flexibility of the power plant.
"We focus on customer satisfaction and our service agreements allow our customers to concentrate on what they do best while we concentrate on our core expertise of delivering ultra-clean power in an efficient and reliable manner," said Chip Bottone, President and Chief Executive Officer FuelCell Energy, Inc. and Managing Director, FuelCell Energy Solutions GmbH. "The highly efficient and environmentally friendly baseload power generation profile of our plants makes them a good solution for supporting power grids and enabling electric utilities to add power generation in cost effective increments when and where needed."
FCES will service the existing plant including the scheduled replacement of the fuel cell stack during the ten year term of the service agreement.
FCES offers a comprehensive portfolio of services for stationary fuel cell power plants with multi-year service agreements. Highly trained technicians and engineers remotely operate and maintain the fuel cell power plants, 24 hours per day, 365 days per year. Field service technicians provide on-site servicing. These service offerings transfer the plant performance responsibilities to FCES, providing the customers with certainty of costs and power supply.
Fuel cells electrochemically convert a fuel source into electricity and heat in a highly efficient process that emits virtually no pollutants due to the absence of combustion. The stationary fuel cell power plants manufactured and sold by FCES are fuel flexible, capable of operating on natural gas or renewable biogas. The power plants provide continuous baseload power and can be sited where the power is used, including both on-site applications and electric grid support. The combination of near-zero pollutants, modest land-use needs, and quiet operating nature of these stationary fuel cell power plants facilitates their siting in urban locations.Check Out Our Best Services for Investors
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Dr. K. Patricia Cross
For the past three years, the College of Education Graduate Student Conference has been a success in part because of the generous financial support of
Dr. K. Patricia Cross!
Dr. K. Patricia Cross is a distinguished alumna of the University of Illinois and Professor Emerita at the Graduate School of Education at the University of California at Berkeley. She credits her time as a graduate student here at the University of Illinois for laying out the foundations for her commendable career, and in that spirit she has continued to make this conference possible through her very generous donation.
Her extraordinary academic career began as Assistant Dean of Women at the University of Illinois, and as Dean of Women and Dean of Students at Cornell University, after which she continued as a director of College and University Programs and also as a distinguished research scientist at ETS (Education Testing Service). Dr. Cross then served as Professor of Education and Chair of the Department of Administration, Planning, and Social Policy at the Harvard Graduate School of Education before assuming her position at Berkeley, from which she retired in 1995. She is the author of nine volumes and over 200 articles and chapters on classroom teaching and assessment, and has contributed significantly to the theory of adult higher learning.
She has been presented with 15 honorary degrees, elected to the National Academy of Education, honored with the Distinguished Career Award from the Association for the Study of Higher Education, among her many accomplishments. In 1975, and again in 1998, she was recognized as One of the Most Influential Voices in American Higher Education in Change magazine polls.
Dr. K. Patricia Cross is a member of the National Academy of Education and twice served as chair of the Board of the American Association for Higher Education. She is a former board member for the Carnegie Foundation for the Advancement of Teaching, the Berkeley Public Library, and Road Scholar.
The 2012 Planning Committee would like to thank Dr. K. Patricia Cross for her past and current support in helping us strengthen the community among all College of Education graduate students, faculty, and staff.
Return to COEGSC


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CLICK HERE TO ENTER on MOBILE!
To stand a chance of enjoying the Champions League in true Heineken style at a secret location in Jo'burg, take the Star Challenge.
Click on the links below – you will be timed while answering 10 football trivia questions! How well do you know the game?
You and a mate could be invited as a guest to the Heineken Star Mansion.
It's a night the ultimate fan won't want to miss!


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Privoxy is a non-caching web proxy with advanced filtering capabilities for enhancing privacy, modifying web page data and HTTP headers, controlling access, and removing ads and other obnoxious Internet junk. Privoxy has a flexible configuration and can be customized to suit individual needs and tastes. It has application for both stand-alone systems and multi-user networks.
Use opkg to install the privoxy package.
opkg install privoxy vi /etc/privoxy/config /etc/init.d/privoxy enable /etc/init.d/privoxy start
Change the listen-address in /etc/privoxy/config
to your router ip address such as listen-address 192.168.1.1:8118
You need change default setting permit-access 192.168.1.0/24
to something else if you use a different subnet.
Last you need start up the proxy server with command /etc/init.d/privoxy start
To have it start on boot, enable the init script with /etc/init.d/privoxy enable
You'll need to add the proxy information to your internet browser to use it.
Below is an example of the /etc/privoxy/config
confdir /etc/privoxy logdir /var/log filterfile default.filter logfile privoxy actionsfile match-all.action # Actions that are applied to all sites and maybe overruled later on. actionsfile default.action # Main actions file listen-address 192.168.1.1:8118 toggle 0 enable-remote-toggle 1 enable-remote-http-toggle 0 enable-edit-actions 1 enforce-blocks 0 buffer-limit 4096 forwarded-connect-retries 0 accept-intercepted-requests 0 allow-cgi-request-crunching 0 split-large-forms 0 keep-alive-timeout 300 socket-timeout 300 permit-access 192.168.1.0/24 debug 1 # show each GET/POST/CONNECT request #debug 4096 # or Startup banner and warnings #debug 8192 # or Errors - *we highly recommended enabling this* #admin-address email@example.com #proxy-info-url http://www.example.com/proxy-service.html


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Few days ago, a brother reminded me of the state of the world by sending me the outrageous videos of the so-called kill team. In one of them, two Afghans under a tree were targeted and blown up by an air strike. While one of the two companions was immediately killed, the second managed to run a few meters before being shot down. The clip was accompanied by injurious comments from the US soldiers and a rock song. I was not paying attention to the music until a term caught my ears and made me realise that the lyrics were actually in French. As the soldiers were shooting and shouting, the singer was asking in a derogatory manner:
"Do we have to be so stupid?"
My first reaction was:
"These people are real fools. They are insulting themselves and they don't even know it".
But then I started to think and I wondered why do WE have to be so stupid? Why are we shocked by these scenes? Of course, hearing is not like seeing. The vision of live murders and mutilated corpses shakes the hearts but is there anything else to expect from that kind of invasion? Indeed, these behaviours are sadly typical of colonial wars. One simply needs to look back in history to understand that. For example, in the 50's-60's, very similar scenes were recorded by French soldiers during the Algerian war of independence. Villagers with their hands up could be seen being shot in cold blood. The "death squadrons" were known to cut fingers, ears and noses as "souvenirs". It is also known that torture was widely used. Of course, it was said that it was only acts perpetrated by isolated groups of individuals without the knowledge of their hierarchy, but it is now recognised that they operated at least with their tacit consent. Even if it might not be the case in Afghanistan, the truth is that these conducts are nothing but a reflection of the nature of this war. These soldiers are simply following the steps of a government that normalised extra-judicial killings, promoted extra-judicial detention and legalised torture. It is not to belittle the individual responsibilities of soldiers but we should not forget what rendered their actions possible. We should not complain about the fruit without looking at the tree, especially if we do not take care of the tree...
As for us, I pray that our emotion will not be as short as it was intense. I hope that we will not forget these images just like we forgot Guantanamo or Abu Ghraib...
Written by Arnaud Mafille, a Cageprisoners interning caseworker for the French speaking world.


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Your guide to Pendleton, Oregon assisted living facilities. With so many senior housing options available, how do you know which one is right for your family?
Our Senior Living Advisors live in the Pendleton area and can provide you with an insider's view of local communities including pricing information and distinctive features.Request information online by filling out the form in the upper right or call us at (866) 333-8391 for a no-cost, in-depth assessment of your senior care needs. Our compassionate advisors can help you find the best Hope Hull assisted living facilities for your unique needs and budget.
The official website for the city of Pendleton is http://www.pendleton.or.us/.
Interesting Facts
Pendleton is also known as: Umatilla County / Pendleton city.
And some of the notable people born here have been: Gordon H. Smith (politician), Elaine Miles (actor and stand-up comedian), Cork Hubbert (actor), Kelly Moe (singer-songwriter and performer), and William Joseph Elk III (actor).
And featured attractions of Pendleton: John F. Kilkenny United States Post Office and Courthouse, Bowman Hotel, and Blue Mountain Community College.
Cities near Pendleton offering assisted living options
Hermiston | Milton Freewater | College Place | Walla Walla | Kennewick | La Grande | Pasco | Richland | ProsserPopulation shifts in Pendleton
Average temperatures in Pendleton
Line in orange is average highs...line in blue is average lows.
Average rainfall in Pendleton


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- 270Promote
Stationery Cards
Set of folded stationery cards printed on bright white, smooth card stock to bring your personal artistic style to everyday correspondence. Each card is blank on the inside and includes a soft white, European fold envelope for mailing.
i had to play one more time with colors and shapes.. because it is SO MUCH FUN!! :D
i'm so glad you all dig this because i had so much fun doing it :)
thanks for the support WUNDERLUSTIG, J. & ANAI!
thanks for the support WUNDERLUSTIG, J. & ANAI!
thank you so much jacqueline!!! yes, happy feelings and fun! i could do this all day but i know you know exactly what i'm talking about :)
With the desire to attract more customers to your S6 store, I've posted this image at: http://pinterest.com/pixel404/s6-random-favorites/ Here's another link that might be of interest: http://blog.shareaholic.com/2012/01/p...l-traffic/ The data in the shareaholic article is from January... Pinterest has grown exponentially since then! Cheers!
That's a great compliment, as I consider myself a color and shape addict :D Thank you for checking out my work!
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FIST OF AWESOME - from the developer of Hard Lines
Hello lovely Touch Arcade forum peeps,
You may remember me as the developer of Hard Lines, the smash hit iOS and Android game from last year. It was a bit good, 86 metacritic score, etc. Anyway, now I have a new game, and I think it's a bit special. It's called.... FIST OF AWESOME FIST OF AWESOME (always displayed IN CAPS) is an iOS title which updates the mechanics of scrolling beat em ups such as Double Dragon, Streets of Rage and Final Fight for a modern audience, along with a healthy dose of humour, retro sensibilities and grandiose ambition. Note: Grandiose ambition does not just mean kicking deer in the nuts. It stars Jack Lumber as a forest dwelling tree feller who gets caught up in an needlessly complex interstellar plot to take over Earth by altering history with remote controlled animals. The game takes place over a number of time periods, features completely original 2D art and animation throughout, and is to my knowledge, the only game that boasts a full grown grizzly bear that punches you in the face. BEHOLD THE UNLEASHED POWER of DISGRUNTLED BEAR I can't fully express in words how excited I am about this game. It's the game I've been wanting to make for 17 years, but I've only now finally acquired all the skills required to bring the vision to life. I put up a teaser trailer today officially announcing the game: http://www.youtube.com/watch?v=6R0SV...feature=g-like I'm aiming to finish FIST OF AWESOME around Winter time, but it's a bit ambitious so I'm making no promises. Anyhow, I really hope you like it. Cheers, Nicoll Hunt Twitter: @nicollhunt |
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Changing SRS
Published on -7/8/2011, 10:15 AM
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Since 1973, the Kansas Department of Social and Rehabilitation Services has been tasked with the mission of protecting the state's children and promoting adult self-sufficiency. Through its oversight of social services and state institutions, SRS serves more than half a million Kansans.
We're not sure if the agency's mission itself is changing under Secretary Rob Siedlecki, but the methods of carrying out that mission certainly are. Since being appointed by Gov. Sam Brownback, Siedlecki has been reinventing the safety net SRS is supposed to provide. The pair's shared commitment to a "culture of life" and the utility of faith-based initiatives might render that safety net unrecognizable, however.
With the start of the new fiscal year and the requirement to find more than $40 million in savings, SRS' transformation is in full swing. So far, SRS has announced it would:
* Reduce the number of county social services offices from 42 to 33.
* Consolidate the six administrative regions to four.
* Terminate Larned State Hospital Superintendent Robert Connell and Osawatomie State Hospital Superintendent Greg Valentine.
* Lay off or accept the retirements of several other agency officials.
* Cut all contracts and grants by 3 percent.
* Eliminate all funding for the Kansas Consumer Advisory Council for Adult Mental Health.
* Eliminate approximately $1 million for several other grants and contracts for mental health services.
* Reduce Medicaid reimbursements by 2.5 percent for social services and mental health treatments (currently on hold).
* Consider the possibility of using voucher programs for services.
* Explore the possibility of either privatizing or closing the Kansas Neurological Institute, a state hospital for the severely developmentally disabled.
* Create a division for promoting faith-based and community initiatives.
* Reduce the number of beds at Rainbow Mental Health Facility in Kansas City.
* Stop accepting referrals to any state hospital already overcrowded.
"We don't know where SRS is taking us," said Amy Campbell, executive director of the Kansas Mental Health Coalition.
We believe we have an inkling. It appears SRS is going to effect significant savings at the state level, even though the need for services throughout the state is increasing. The costs associated with providing mental health and social services cut by the state will be transferred to the local level.
If cities and counties decide to pick up the tab, expect steady increases in property taxes. If cities and counties don't, then law enforcement agencies will be forced to use more of their resources. Which will lead to steady increases in property taxes.
In short, anything SRS or the governor will claim they saved taxpayers simply won't be true. The money still will be coming out of taxpayer pockets. And likely it will be even more than before this shell game began.
To be fair, Gov. Brownback and Secretary Siedlecki are not just about cutting programs and services. Siedlecki said the department was developing a "fatherhood initiative" to help reduce childhood poverty.
And as then Sen. Brownback wrote in his book "From Power to Purpose, a Remarkable Journey of Faith and Compassion" in 2007, marriage is the best solution to the problems of overall poverty. This year, SRS is preparing to launch a Kansas Healthy Marriage Initiative.
To help develop the initiative, state taxpayers paid $13,000 to bring a group of conservative Christians from around the country to the Kansas Family Strengthening Summit last month.
The summit was closed to the general public. But the initiative is believed to include gathering baseline statistics, a training program for SRS workers, surveying the public and developing a PR campaign. Nobody has said how much the initiative would cost or how it would be funded.
And we haven't yet heard about the adoption initiative, although Brownback already might have revealed his plan in that arena when he attempted to revoke licenses for the clinics that provide abortion services.
Things are going from bad to worse in Topeka as far as we're concerned. That concern is shared by many in mental health, social agencies and law enforcement.
Strengthening religious beliefs is the job of the church -- not the state. They are separated for a reason.
Editorial by Patrick Lowry


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WASHINGTON (12/20/11) -- The following information is from an Army Live Blog, which Army Gen. Raymond Odierno, the 38th chief of staff of the Army, conducted on Dec. 12."There is much discussion in the halls of the Pentagon these days about the role of the Army, and I'd like to share with you my thoughts on the issue."
"Without question, ten years of war and today's austere economic environment will have a profound impact on our Army. But to put it simply: in these uncertain times - perhaps especially in these uncertain times - the Army is central to our nation's defense. Specifically, the Army has three roles to play."
"First, our Army must prevent conflict. Prevention requires a credible force with sufficient capacity, readiness and modernization. Our ability and will to win any fight cannot be open to challenge. As part of a joint force, we must be clear that we can fight and win across the full spectrum of conflict. That means realistic training, expert leaders, modern equipment, and quality Soldiers. Prevention is achieved by convincing your potential opponents that armed conflict with your force would be extremely unwise."
"Our land forces must continue to be a credible force around the globe."
"Second, our Army must help shape the international environment so our friends are enabled and our enemies contained. We do that by engaging with our partners, fostering mutual understanding through military-to-military contacts, and helping partners build the capacity to defend themselves."
"This is an investment in the future, and an investment we cannot afford to forego. It is cultivating friends before you need them, being a reliable, consistent, and respectful partner."
"Finally, we must be ready to win decisively and dominantly. If we do not, we pay the price in American lives. When MacArthur said, "In war there is no substitute for victory," he was making a plain statement of fact."
"Nothing else can approach what is achieved by winning, and the consequences of losing at war are usually catastrophic. With so much at stake, the American people will expect what they have always expected of us: to never lightly enter into such a terrible endeavor, but once there to win and win decisively."
"This "prevent, shape, win" construct captures the Army's unique role as part of the joint force, and rests upon the capabilities, depth, and vast experience resident within our Army. When combined with the capabilities of the Navy, the Air Force, and the Marines, the United States remains - and will remain - a force to be reckoned with. As we, the Army, continue to adapt to future strategic challenges, including resource constraints, we must ensure sufficient attention to each role."
Gen. Raymond T. OdiernoChief of Staff of the Army


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Lokal Leaks Overview. WikiLeaks. US espionage investigation against WikiLeaks: PATRIOT Act order unsealed. (on 2011-08-24) Further proof has emerged of the United States secret Grand Jury investigation into Julian Assange and WikiLeaks.
Further information has been demanded on the organization and its founder for the US courts, this time under the PATRIOT Act. The Grand Jury has been meeting in Alexandria, Washington DC trying to work up an espionage case against the organization's founder Julian Assange. The latest information demanded is anything held by WikiLeaks DNS host, Dynadot in California, regarding wikileaks.org, WikiLeaks and Julian Assange.
WikiLeaks have just received a copy of the recently unsealed court Order from the United States, signed by a US magistrate judge on the 4th of January 2011. OpenLeaks. Ex-WikiLeaker Explains His Spinoff Group, OpenLeaks - Andy Greenberg - The Firewall. Crowdleak. Hackerleaks.tk. Main Page - CableWiki. Julian Assange.
Chelsea (nee Bradley) Manning. Bradley Manning's inhumane treatment. Bradley Manning: one of the signatories of the open letter protesting Manning's mistreatment in the naval brig in Quantico is Professor Laurence Tribe, who taught constitutional law to President Barack Obama.
Photograph: AP Bradley Manning is the soldier charged with leaking US government documents to Wikileaks. PBS and Wired rally against Bradley Manning - Forces of Darkness wade in. Establishment rag Wired and the Public Broadcasting Service are doing their level best to present Wikileaks suspect Bradley Manning in an extremely poor light before his trial.
Not content with the people that set Bradley Manning up by running an article that effectively grassed him up to the authorities, Wired has run a story about a PBS documentary which describes Manning as a violent piece of work. According to PBS frontline, a year before he entered the army, coppers had to remove Manning from his father's home after he allegedly threatened his stepmum with a knife. In what Wired calls a "revelation" the stepmother made a call to Oklahoma coppers in 2006, after Manning, then 18, argued with his father and stepmother. Apparently the dad fell over after trying to intervene in the argument and his wife called 911.
4BRAD.FSS34.COM. Wiki Leaks.
Amy Goodman To Host Discussion With WikiLeaks Editor-In-Chief Julian Assange and Slovenian Philosopher Slavoj Žižek; Event Will Be Broadcast Live From London July 2 at 11am EDT. Interviews & videos. Leaks.