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Hotel AMANO3
Auguststraße 43, Berlin, 10119
Price FromView Rooms
- Excellent
- 2 guest reviews
"Brilliant Hotel, very central great value for money. The staff so helpful and friendly. Special mention goes to Nadine, the warmets, friendl..."
"The hotel room was clean, if a little spartenly furnished. Take a kettle if you like an early morning cuppa! Breakfast offered a good variet..."
About the hotel
This design hotel with free Wi-Fi is only a 5-minute walk from the Hackeschen Hoefe in the centre of Berlin located. It is also 200 meters from Rosenthaler Platz underground station, and many of Berlin's coolest fashion boutiques and art galleries. Hotel AMANO offers a courtyard garden, rooftop terrace and underground parking.
The 163 air-conditioned rooms and apartments at the hotel feature wooden floors and a flat-screen TV with satellite channels. Guests can rent X-Boxes with games, iPods, DVDs, bikes and tandems. In addition the hotel offers a vending machine in the lobby which dispenses beautiful and useful things 24/7. The stylish AMANO bar offers a range of self created cocktails. The Hotel AMANO is part of the AMANO Group and is only a few minutes away from the Hotel MANI with it's cozy restaurant, which serves delicacies based on the Israeli and French cuisine (opening hours: daily from 07. 00 pm and for Business Lunch). AMANO Rooftop Conference also belongs to the AMANO Group and offers 5 individual conference and meeting rooms right across the street from Hotel AMANO
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Room Availability
Showing Tuesday 31 March 2015 to Wednesday 1 April 2015Change Search
We currently have no rooms available for this hotel that match your search criteria. Try changing your search or select an alternative hotel.
Facilities Show/hide
- Main
- Disabled Facilities, Smoking allowed in bedrooms
- In room facilities
- Air conditioning in rooms, Safety Deposit Box, Telephone In Each Room
- Hotel services
- 24 Hour Reception, Concierge, Laundry/Valet Service, Wake Up Call Available
- Family friendly
- Cots available, Pets Allowed
- Parking
- Car parking available onsite
- Business
- Wi-Fi Available, Meeting Facilities, Wi-Fi Available In Public Areas, Wi-Fi Available In Rooms, Business Centre, Secretary Service
- In room entertainment
- TV, Satellite TV, [Channels] News, [Channels] Sky Sports, [Channels] Movies (Pay Per View), [Channels] Foreign (European), [Channels] Music, Radio
- Other
- Lift to all floors, Public Air Conditioning
- Accessibility
- Disabled Access Public Areas, Disabled Access Bedrooms, Disabled toilets on ground floor, Wheelchair Access, Wheelchair Access To Reception, Wheelchair Access To Restaurant, Wheelchair Access To Bar, Wheelchair Access To Conference Rooms, Wheelchair Access To Leisure Facilities, Wheelchair Access To Disabled Car Parking Spaces
- Dining
- Bar
Useful Info Show/hide
- From 15:00 hours
- Until 12:00 hours
- The LateRooms.com rates for Hotel AMANO in Berlin are the total price of the room and not the 'per person' rate. All prices are inclusive of all local taxes.
- Pets are allowed
Customer Reviews
Our reviews are from genuine LateRooms.com customers. We verify that the customer has stayed before leaving a review.
100% would recommend it to a friend
Customer service
Food quality
Room quality
Recent stay in Hotel Amano
Brilliant Hotel, very central great value for money.
The staff so helpful and friendly. Special mention goes to Nadine, the warmets, friendliest person you could meet. Did print out for me, gave me directions, looked after bags. Lovely person.
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Very helpful staff
The hotel room was clean, if a little spartenly furnished.
Take a kettle if you like an early morning cuppa. Breakfast offered a good variety of choices. There was also a handy grocer over the road. The hotel is very central and close to S-Bahn, U-Bahn & tram routes. The staff were very friendly and extremely helpful. You did not have long queues at the desk either. We stayed 7 nights & would recommend this hotel.
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Force Field. No, Really 434
from the GeV dept.
We've improved Slashdot's video section; now you can view our video interviews, product close-ups and site visits with all the usual Slashdot options to comment, share, etc. No more walled garden! It's a work in progress -- we hope you'll check it out (Learn more about the recent updates).
But if it's blocking against atmospheric pressure (not quite sure on that one) then it's an impressive feat...
First, its degrees only when it is Fahrenheit or Centigrade, which are not absolute units. Second, its Kelvins, damn it! (at least when it is more than 1K). People have no problem with Joules, Newtons, Pascals etc which are all people's names, why is Kelvins so different??
[I haven't done any physics after high school, so if I'm wrong correct me.]
Erm. I dunno. For a lot of laypeople, a valve with no 'solid' parts fits the definition of a 'force field'.
(Note: I am embarrassed to use the following example.) Take the brig on Star Trek: TNG era vessels. There is a ring of emitters surrounding the door opening. These emitters are presumably responsible for maintaining an impenetrable field in the doorway. That 'force field' seems to be at least loosely similar (in form and stated goals) to the 'plasma valve' described--it's just larger.
Oh, and the plasma valve would take your finger off if you touched it. Oh well. This is real life that we're stuck with, after all.
Depending on how cheaply they can reproduce a field, we could be seeing these types of devices practically everywhere. Suddenly I don't think Star Trek is too far fetched...
Well, even though they didn't provide pictures, I imagine that the area in which the plasma actually resides is not very big. It may not be too difficult to produce a plasma curtain to block off a 1-2 cm^2 entry point into a particle accelerator, but I wager it would be very difficult to produce the same effect uniformly over a 1 m^2 door opening. I don't know much about plasma physics, but I have a suspicion that a big honkin' 1m^2 sheet of plasma isn't going to be magically stable.I think the Star Trek force fields are still a long, long way off, if they're even possible at all.
Is it possible that software is not like anything else, that it is meant to be discarded: that the whole point is to always see it as a soap bubble?

subset: commoncrawl


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In wireless sensor networks, the energy of nodes is limited. so designing efficient routing for reducing energy consumption is important. In this paper we proposed A Low Power Grid-based Cluster Routing Algorithm of Wireless Sensor Networks (LPGCRA). The characteristic of this algorithm is that the WSN is divided into different grids according to information of the node location, and then the nodes are organized within the grid by the clustering way. The clustering head is chose dynamically according to energy dissipation of the cluster nodes, then communicates with BS node through a relaying node. This algorithm is useful to reduce node energy consumption and prolonged life of the system, also enhanced the balance of network load. The simulation results shows that this algorithm balanced the energy consumption of the nodes effectively and improved the network lifetime.
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Advanced Hepatitis C Symptoms
Here's a taste of what TheBody.com has to offer on this topic:
Get the Facts
HIV and Kidney Disease...transplant. The rate of kidney disease in patients with HIV has gone down significantly since the introduction of modern antiretroviral therapy (ART.) However, about 30% of people with HIV may have kidney disease. If kidney disease advances, it can cause heart disease (see Fact Sheet 652 ) and bone disease (see Fact Sheet 557 ). What Is Normal Kidney Function? The main job of the kidneys is to filter out waste products. They reabsorb...
Ask the Experts
hepC symtoms 2nd requestI sent a question to you about symtoms of hep C and have yet to see a response I am really concerned about this issue because I have heard the horrible stories I was just diagnosed last week with hepC and I have suffered the severe high fevers and...
Response from Maribel Rodriguez-Torres, M.D.
Fundacion Gatroenterologia De Diego...The majority of the cases of Hepatitis C are asymptomatic unless they have advanced liver damage.Acute hepatitis C has the same symptoms as any acute viral hepatitis,but is rarely icteric, and is usually mild Read more »
Hello Doctor Barbarathanks in advance for replyI visited my doctor with symptoms of Jaundice on 14th April 2009. Following are the results of tests.Hepatitis A = Non reactive, Hepatitis B = Non reactive, Hepatitis E = Non reactiveHepatitis CReactive, S/CO.11.16HCV by PCR...
Response from Barbara McGovern, M.D.
Tufts University School of MedicineWell thought out questions.Yes, you do have acute hepatitis C it appears. If you tested negative in the past and are now antibody positive this would be a definitive diagnosis. However, even without that information, your jaundice, high ALT and AST,... Read more »
symptoms of hepatitis CWhat are some of the symptoms of hepatitis C? I feel tired all the time and have a small ache on my right side, under the rib cage, it also seems hardened
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Tufts University School of MedicineMost commonly patients have no symptoms. Those that do often have fatigue. Patients with acute infection uncommonly have other symptoms such as right upper quadrant pain, nausea, loss of appetite and can develop jaundice (turning yellow). If you are... Read more »
Hepatitis CIf you have Hep C can you have it without showing symptoms? Or how long does it take til you start to show symptoms?
Response from Barbara McGovern, M.D.
Tufts University School of Medicine...Most patients who have HCV have no symptoms. If they do have symptoms, the most common one is very non-specific - fatigue. With advanced liver disease and cirrhosis, patients can develop associated complications, such as ascites (fluid in the... Read more »
Hepatitis C: The Changing Picture...however, the transmission route is unknown. Many people who were infected decades ago are just now starting to reach the advanced stages of liver disease. And, because hepatitis C usually has no symptoms in its early stages, people often don't... Read more »
Depression and HIV...overlooked. Also, many HIV specialists have not been trained to recognize depression. Depression can also be mistaken for signs of advancing HIV. What Are the Signs of Depression? Symptoms of depression vary from person to person. Most health... Read more »
Isentress...was taken with Prezista and Intelence, a novel, nuke-sparing combination. The data is in accord with the advocate view that advanced patients are having dramatic results and almost no side effects. Many people on long-time therapy became... Read more »
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Posted by delhiguy, 3 RepliesI am 30 YO guy. Worried that I may have got infected. I met this friend of mine on 5th of Dec 2010 which was just a causual meeting after 5 years. After having drinks she started touching me and I got aroused and we end up mating. While in act, she... Read more »
oraquick advance question. please respond thanks!
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Posted by Oomar27, 1 Reply...months oraquick salva...5 months Nj GMHC oraquick blood from finger negative, 5 mons. and 3 weeks same place same test oraquick advance hic1/ hiv2 Negative. DOH clinic from july to October under anonymous twice a months. Jul. Agou. Sept. and Oct.... Read more »
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Posted by Anonymous, 3 RepliesI recently tested negative for HIV at 15 weeks, but I am having neuropathy in feet and legs. If it's not being caused by HIV, then what could it be? Read more »
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Guinea Ebola death toll hits 84
CONAKRY/GENEVA, April 2 (Reuters) - Foreign mining firms have locked down operations in Guinea and pulled out some international staff, executives said on Wednesday, as the death toll from suspected cases of Ebola there hit 84.
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Are You Being Served?
Diamonds Are a Man's Best Friend (#106)
A wealthy client loses a valuable diamond in the store. A reward is offered for the missing diamond, but at the same time a shipment of rhinestones is dropped in the store. The staff each finds a rhinestone which they think is the missing diamond. [29 minutes]
This episode has not aired in the past few months on Iowa Public Television.
News & Announcements
BritComs on IPTVThe BritCom Club is a special club available to Friends Members who give their support for an additional gift of $25 a year. more »
Series Description: The ridiculous goings-on at Grace Bros. have kept audiences laughing since 1973. This tongue-in-cheek farce, by top writers Jeremy Lloyd and David Croft, is one of BBC's best-selling classic comedies, especially in America, where its success is phenomenal. A large, old-fashioned department store in London, Grace Bros. is still run on strictly hierarchical lines. Each member of staff knows their place -- in theory. In practice, they are all engaged in their own private wars with management and with each other.
All Upcoming Episodes
Sweet Smell of Sucess (#153)
Mrs. Peacock finds Captain Peacock without his pants, because he has spilled perfume on them. [27 minutes]
- Mon, March 30, 10:30 PM on IPTV
Conduct Unbecoming (#154)
Mr. Humphries is accused of stealing and his distinguished career could end in disgrace. [30 minutes]
- Sat, April 4, 8:59 PM on IPTV
- Mon, April 6, 10:30 PM on IPTV
Memories Are Made of This (#155)
When a golf pro hits Mrs. Slocombe, she thinks she's a little girl and wrecks havoc on the store. [28 minutes]
- Sat, April 11, 9:00 PM on IPTV
- Mon, April 13, 10:30 PM on IPTV
Calling All Customers (#156)
When the staff perform a play on CB radio, the store becomes swamped by truck drivers. [29 minutes]
- Sat, April 18, 9:00 PM on IPTV
Monkey Business (#157)
When the store might be bought by the Japanese the staff visits Mrs. Thatcher at Number 10. [29 minutes]
- Sat, April 25, 9:00 PM on IPTV
- Mon, April 27, 10:30 PM on IPTV
Past Episodes
These episodes of Are You Being Served? aired in the last few months on Iowa Public Television.
- Erotic Dreams of Mrs. Slocombe (#152)
- Closed Circuit (#151)
- Heir Apparent (#150)
- Sit Out (#149)
- Front Page Story (#148)
- Personal Problem (#147)
- Is It Catching (#146)
- Agent (#145)
- Anything You Can Do (#144)
- Hero (#143)
- Christmas 1976, Father Christmas Affair (#167)
- Christmas Cracker 1975 (#166)
- Mrs. Slocombe, Senior Person (#142)
- Apartment (#141)
- Strong Stuff This Insurance (#140)
- Junior (#139)


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sporting brands
Posted by Mark J. Miller on March 26, 2015 12:02 PM
adidas is offering expanded color and customization options as well as quicker production times—all in the hopes of bringing in more revenue. The move includes the new Pharrell Williams' Supercolor collection as well as increased customization options.
adidas' NEO teen fashion brand gets a new product through its production cycle in 45 days, compared with the 12 to 18 months it normally takes, Reuters reports. So adidas is adopting the production innovations from NEO's supply chain and moving them into all of its other products. The initial marketing push will be to Los Angeles, New York, London, Paris, Shanghai and Tokyo.Continue reading...
More about: adidas, NEO, Pharrell Williams, Shoes, Nike, Customization, Apparel, Design
brand news
Posted by Shirley Brady on March 26, 2015 09:12 AM
adidas reveals growth strategy to investors (including manufacturing shift from Asia) and new line with Pharrell Williams.
RadioShack alarms by putting customers' personal data on list of assets being sold in bankruptcy auction.
Uber announces safety measures to restore trust in brand.
Twitter launches Meerkat rival Periscope to praise.
Apple finds luxury supporters for Apple Watch, brings iPhone trade-ins to China and taps Trent Reznor to help craft new music streaming service as CEO Tim Cook vows to give away fortune.Continue reading...
More about: Brand News, adidas, American Express, Apple, Carlsberg, Clorox, Facebook, GE, Heineken, Homejoy, IKEA, Lululemon, McDonald's, Meerkat, One Direction, PepsiCo, Periscope, RadioShack, StoryCorps, Superdry, Twitter, Uber, UNHCR, Idris Elba, David Hasselhoff, Indra Nooyi, Trent Reznor, Pharrell Williams
Posted by Shirley Brady on March 11, 2015 07:01 AM
Facebook introduces topic data in outreach to (select) brand marketers in the US and UK via DataSift, while enterprise moves make Cisco nervous and company removes "Feeling Fat" status option.
J&J's McNeil Consumer Healthcare pleads guilty to misdemeanor violation and must pay $25 million in DOJ inquiry over children's Tylenol and Motrin containing metal particles.
Apple Watch knock-offs pop up in China as company gripes about antitrust monitor and commits over $50 million to diversity efforts. Meanwhile, scientists find people don't know Apple's logo as well as they think they do.
Google CFO retires with viral farewell as brand launches first of three in-store shops in the UK at Currys PC World (following Chrome shop) and is reportedly in talks to buy Indian startup InMobi.
PepsiCo brings back the Pepsi Challenge as a global campaign for a new generation.Continue reading...
More about: Brand news, Adobe, Apple, Arby's, Bally, Barnes & Noble, BBC, Charles Schwab, Chick-fil-A, Cisco, Currys PC World, DataSift, Disney, Facebook, Faike, Game of Thrones, Google, HBO, Hulu, IKEA, InMobi, Instagram, Intel, J&J, Kickstarter, Kik, L'Oreal, Lamborghini, Loblaw, McDonald's, NcNeil, Motrin, NBCU, Net-a-Porter, The New York Times, Pepsi, PepsiCo, P.F. Chang's, Puma, Qantas, Radius, Samsung, Starbucks, SXSW, Target, TDK, Ted Baker, Top Gear, Tylenol, Univision, Urban Outfitters, 3M, Usain Bolt, Tim Burton, Jeremy Clarkson, Marvin Gaye, Robin Thicke, Pharrell Williams
Posted by Shirley Brady on February 16, 2015 09:31 AM
Apple improves iMessage and FaceTime security following hack as electric car news trickles out, Jony Ive is profiled in The New Yorker and Apple Pay earns the White House seal of approval.
LG releases luxury smartwatch (the Urbane, above) with Android ahead of Mobile World Congress as brand takes Samsung spat to YouTube.
Amazon drone air delivery plan faces setback with FAA move to regulate space.
Hershey faces backlash for move to ban UK-made Cadbury chocolates in the US.
adidas gets endorsement from Pharrell Williams in midst of Kanye West New York Fashion Week hype.Continue reading...
More about: Brand News, Absolut, Adidas, Amazon, AOL, Apple, Armani, Baccarat, Big Machine, Burger King, Cadbury, Cottonelle, Dish Network, EPIX, Fiji Water, Ford, Google, Hershey, HSBC, Hyatt, Hyundai, IKEA, Land Rover, LG, Lululemon, MasterCard, McDonald's, MGM, Mondelez, NBA, NBC, New Balance, New York Fashion Week, Nutella, Oakley, Pernod Ricard, Porsche, Puma, Samsung, Saturday Night Live, Schneider Electric, Sling TV, Snapchat, Sony, Tencent, Tim Hortons, Under Armour, Vaio, Visa, Vita Coco, YouTube, Mark Cuban, Jony Ive, Derek Jeter, Maroon 5, Ving Rhames, Taylor Swift, Kanye West, Pharrell Williams
branded entertainment
Posted by Abe Sauer on January 16, 2015 06:01 PM
The Project: Melco Crown Entertainment / "The Audition"
The Plot: Martin Scorsese, Robert De Niro, Leonardo DiCaprio and Brad Pitt extend the time-honored tradition of Hollywood types cashing in overseas—and this is only the trailer for the $70 million short film/commercial (the most expensive ad ever made) that's still to come.
It's penned by The Wolf of Wall Street scribe Terence Winter and directed by Scorsese and produced by Brett Ratner. The backer: Australian casino tycoon James Packer. The backgrounder: Scorsese's 1995 Casino movie with De Niro.
The Verdict: All this to promote a DC Comics-themed casino opening this year in Macau? Continue reading...
More about: Brandcameo, Branded Entertainment, Entertainment, Advertising, Campaigns, adidas, Christian Dior, DC Comics, Disney, Dr Pepper, Doritos, Fashion Flair, Frito-Lay, Jacob's Creek Wine, Melco Crown Entertainment, Nikon, Miu Miu, Nissan, Shredded Wheat, St. John Ambulance, Sum of Us, Super Bowl, David Beckham, Robert De Niro, Leonardo DiCaprio, Novak Djokovic, Ava DuVernay, Damian Lillard, Rita Ora, Brad Pitt, Martin Scorsese, Pharrell Williams
Posted by Abe Sauer on December 5, 2014 12:03 PM
The Project: "One Love" by Ben & Jerry's and Bob Marley (Dec. 4)
The Plot: Music video featuring fans singing Marley's iconic tune in aid of the Bob Marley 1Love Foundation. The videos were collected by Ben & Jerry's UK, whose Marley-inspired Satisfy My Bowl ice cream flavor is raising money (but not in America) to create a new youth empowerment camp for underserved children in Jamaica.
The Verdict: Jah, man—because giving is the reason for the season. Below, more fresh branded entertainment, starting with Nick Offerman for Lagavulin whiskey.Continue reading...
More about: Brandcameo, Branded Entertainment, Branded Content, Entertainment, Advertising, Holiday, Music, Film, Air Canada, Arby's, Ben & Jerry's, Chanel, Diageo, Expedia, Greyhound, Lagavulin, Pepsi, Salvatore Ferragamo, Samsung, Smile Train, St. Jude's Children's Research Hospital, The Hobbit, Tourism Authority of Thailand, Three Olives, Kristen Bell, Cara Delevingne, Bob Marley, Nick Offerman, Pharrell Williams
Posted by Abe Sauer on November 26, 2014 12:09 PM
The Project: "Lady Gaga & Tony Bennett - H&M Magical Holidays"
The Plot: The May-December songbirds perform "It Don't Mean A Thing (If It Ain't Got That Swing)" from their #1 album, Cheek To Cheek.
The Verdict: Swingin' and festive, chic to chic. Watch below, with more of the latest in branded entertainment this week:Continue reading...
More about: Brandcameo, Branded Entertainment, Branded Content, Entertainment, Advertising, Campaigns, Aardman, Benetton, Chanel, Dumb Ways to Die, Freeview, Greene King IPA, H&M, Hammerson, Jameson, Old Spice, P&G, Red Bull, Samsung, Vat 69, Volvo, Lady Gaga, Tony Bennett, Kristen Bell, Cara Delevingne, Karl Lagerfeld, Dax Shepard, Pharrell Williams
brand ambassadors
Posted by Catherine Straut on November 24, 2014 11:23 AM
Karl Lagerfeld is staging Chanel's latest fashion show in Salzburg, Austria next week, and is releasing a short film that celebrates the spirit of Austrian history—with a decidedly modern twist.
The video stars hip-hop mogul Pharrell Williams and British supermodel Cara Delevingne as a royal couple in an 1860s dream sequence, singing a duet penned by Williams called "CC the World."
The short, titled "Resurrection," will debut on Dec. 1, the day before the fashion show is set to take place at the Schloss Leopoldskron hotel in southern Salzburg.
More of a long video clip than a short film, WWD reports, the movie reenacts a key episode in Coco Chanel's life: While vacationing at an Austrian resort in 1954, the designer became fascinated by a jacket worn by the hotel's elevator operator.
So inspired, Chanel went on to create the Chanel jacket—an iconic piece whose trademark features Chanel protects vigorously.Continue reading...
More about: Luxury, Fashion, Chanel, Branded Entertainment, Advertising, Karl Lagerfeld, Cara Delevingne, Pharrell Williams, Métiers d'Art
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Burns: For most people, owning a car is better than leasing
Readers ask: Should I lease or buy a new car? And should we rent or buy a house after retirement?
Readers ask: Should I lease or buy a new car? And should we rent or buy a house after retirement?
Selling a paid-off home and opting for something much cheaper can have a profound effect on your retirement.
Readers ask: Should we pay off an expensive loan from our 401(k)? And should I be less conservative with my TSP investments?
Get over the 'ick' factor of manufactured homes and you can find a nice, affordable retirement haven.
Scott explains how to come up with a conventional net worth figure but explains that it can misrepresent your actual financial condition.
You can lease a lot or buy a co-op share, Scott says, and both offer advantages over many condos.
Readers ask: How should I invest a retirement spending fund? And should I sell real estate with large capital gains?
Also, a single woman near retirement at age 66 asks if she should defer taking Social Security payments for another year.
When researchers pile up factors affecting an outcome, they are likely to discover something no one has ever seen before, even if it isn't there.
Readers ask: Should I leave my broker? And should we contribute to Roth IRA accounts?
In 2014, a 50-50 mix of two low-cost index funds beat the Morningstar average for all "moderate allocation" funds.
A reader asks: How should we invest our TSP and IRA savings?
Readers ask: What can you tell me about safe withdrawal rates? And should I spread my retirement savings around to different firms?
Economist David Ranson thinks an "all-weather portfolio" is more stable than cash, especially over longer periods.
Readers ask: Is laddering a good solution for interest income? And what do you think about "permanent" portfolio allocation?
Reader asks: How can we protect our savings against long-term care costs?
Line up your spending tracks to meet your future income tracks.
Here's why older couples eat at restaurants that use tablecloths while their middle-aged neighbors go to Whataburger.
Readers ask: Will a lower income affect my future Social Security benefits? And what are the best options for a 403(b) plan?
The problem is that shares of an individual stock greatly increase the risk of your retirement account.
Yes, folks, it's Captain Egregious, ready to step confidently into the future because I already know it. Here are my Fearless Forecasts for 2015. They are free, but worth 10 times as much.
Readers ask: How do I count real estate investments in my portfolio? Can you suggest a good retirement calculator? And how do preferred stock shares perform in a major correction?
A helping handout may not eradicate poverty, but it can help someone get through today — and that has to count for something.
Age and resources are key. Take a look at both and then decide if it's time to jump off the good ship Wage Slave.
There's no definitive answer, but the tools for thinking about it are improving and there are workarounds to consider.
Selling income security products such as fixed-index annuities to a long-term federal employee is like selling a refrigerator to an Eskimo.
Rental income from a duplex or similar housing can be a big part of your retirement plan.
Readers ask: Can you withdraw more if you retire later? And what are the keys to efficient portfolio rebalancing?
Learning what makes you feel happy and content qualifies as a major piece of our retirement planning.
Readers ask: Should we pay down our mortgage? And how can I get an answer to this Social Security question?
American Funds researchers find that managed funds with low expenses and manager ownership do very well indeed.
Readers ask: Should I take out a Medicare supplement insurance policy? And should we invest $100,000 for our grandchildren's college educations?
But those who take the 'bird in the hand' approach lose out on a guaranteed way to increase their retirement income.
In Palm Springs' speedy recovery, homes are soaring in value and selling fast.
A reader asks: What will happen if we move to a less expensive investment firm?
It's time to get serious. Make that bucket list — the things you want to do, the places you want to go, the experiences you want to have — and do them.
Read these writers and discover that the vast majority of public discussion of investing is misleading or unnecessary.
Scott Burns says most people are still taking their benefits early even though the decision doesn't make financial sense.
Also, life insurance may not be the best route to improved financial security in retirement. Consider other options.
Charles Ellis hammered the latest nail in the coffin of professional money management.
Readers ask: Should I believe my financial advisers? Should I pay off my student loan in 10 years?
Social Security is a progressive program that favors lower-income workers, but high earners live and collect benefits longer.
Readers ask: How do we move to a low-cost brokerage firm? And is it worthwhile to refinance my mortgage?
Things change. Ten years ago, the most common reader question about IRA accounts was this: "How can I avoid the penalty for withdrawals taken before age 59½?" Today the most common question is: "What can...
Readers ask: If my investments average 8 percent, why can't I take 8 percent? And should our broker have moved us from American Funds?
Should you count on Social Security when you retire or not? And should you move trust money to index funds?
If you want to pay nearly 2 percent to own an index fund, there's an easy way: Hire an "adviser."
Readers ask: How much will I pay, and can I avoid paying taxes on my minimum required distributions?
Readers ask: Are closed end tax-free bond funds a safe investment? And why shouldn't I just pick the funds that have the best track records?
Measuring flaws mean you might not need as much as you thought to be comfortable.
Readers ask Scott Burns: What can I do with a small IRA? And how can I measure the performance of my financial manager?
Social Security and Medicare are getting worse, but out of sight
Readers ask: Here are my arguments against owning. What do you think? And what about renting a house from our children?
We should be concerned, although the Federal Reserve seems to be looking the other way.
Are small employers wasting the money they spend on employee match contributions? They are if expenses are too high.
Readers ask: How should a self-employed person invest? And should Warren Buffett do my asset allocation?
Is your 401(k) plan wildly expensive, average or wickedly efficient? You probably don't know. Your employer may not either, particularly if you work for a small company.
Readers ask: What are the downsides of reverse mortgages? Where can we earn interest with little risk?
Readers ask: Should I save money and move from my brokerage account? And how should I draw from my different retirement accounts?
The Restoring Main Street Investor Confidence and Protection Act would redefine the value of a person's brokerage account fpor insurance purposes.
Our benefits are determined by an adjusted figure for a worker's average earnings. The final number is based on (1) the highest 35 years of income and (2) the age at which the benefits are taken.
What are the odds that your adviser can pick a fund that's good enough to justify adviser fees?
Readers ask: How do expenses and income change when you are widowed? And how do I figure my "cost basis" for an investment?
Readers ask: How do we score on the wealth scoreboard? And how do index funds have low expenses?
One way to measure the impact of fees on retirement security and college funding plans is to compare them to the rates we pay in federal income taxes.
Readers ask: We're in a low tax bracket. Should we be investing in tax-free bonds? And can I contribute to my IRA after 70½ if I am still working?
It's one of the great myths that investing is so complicated that you should never attempt to do it yourself.
A News columnist gets an education about the Bank Secrecy Act. And a reader asks: Can I invest in low-cost index funds outside of Vanguard?
Another readers asks: Where do all the dollars go when you make investments in stocks or mutual funds?
Today investors are choosing low-cost index funds — for many good reasons.
Readers ask: I'm retired. Should I invest in receivables? And as a single woman, can I "self-insure" for long-term care?
William J. Bernstein wants to save millennials by giving them an investment education and his recipe for a secure future.
If you do it right, it may also provide more effective income than any conventional savings vehicle.
Readers ask: How do we find a financial consultant? And when should my wife take Social Security benefits?
Many retirees own too much home compared to their other financial assets.
Social Security and the benefits tax: What to do? Preparing well for retirement means you're going to owe Uncle Sam, but it's better than living on benefits alone.
Downsizing to a boat or an RV is much less expensive than owning a house, and the views can be great.
A reader asks if he should take a lump sum payout now or continue getting a monthly pension check.
Readers ask: Do well-off people really need Social Security income? And can you suggest a financial planner in our area?
Answering that, in a quantitative way, could offer a framework for thinking about longevity and the issues it presents.
While there is little talk of it yet, it's likely that we'll be hearing about it by the next presidential election.
Readers ask: Should I invest more money in stocks? How can I move from bonds to stocks with minimum commission costs?
Readers ask: Is a simple, three-piece portfolio a good idea for the long term? And how should I calculate my portfolio withdrawal rate?
The current tuition at Harvard is $38,891, and the estimated total cost, including room, board, fees and books, is $59,950. Is it worth it? Should you do it?
Extra income for Social Security recipients can quickly put them into a higher tax bracket.
An investment portfolio is just a sideshow; pay more attention to spending and earned income.
Members of Congress say they're for protecting the middle class. So why do they allow taxation of Social Security benefits?
Readers ask: Am I paying at a higher tax rate in retirement? And will the Treasury benefit from a flood of RMD payments as boomers retire?
Readers ask: Should I pay off my home mortgage? And are fixed-index life insurance policies a good deal?
A typical hedge fund charges 2 percent in management fees and 20 percent of any profits. More fees are added for creating multiple-manager "fund of funds" hedge funds.
Readers ask: Can wrap fees be recovered by higher performance? And how will continuing to work affect my Social Security?
Readers ask: Would you provide a basic explanation of Medicare-related insurance plans? And how should I calculate the yield on my utility stocks?
Couch Potato investors had a modest year but still did way better than hedge funds.
Another reader asks: Should I change the account location of my assets as I move to exchange-traded funds?
I've written about it for years, and every time, more than a few readers push back and say I'm crazy.
Readers ask: Should I pay off debt before I retire? And how should I save if I don't have a tax-deferred option?
I'm going to pursue a different theme in some of my columns this year. I call it Investing Without Money.
Readers ask: How can I overcome fear of investing? And what can I do with my cash?
Readers ask: Should we borrow from our 401(k) plan? And shouldn't we take Social Security benefits as soon as possible?
Scott Burns says readers should take his predictions seriously because even when they are wrong, they're right.
It's a good thing that a reader and his wife saved for 30 years, because their "planning horizon" is at least 30 years.
Cruising works because the economics can be almost anything you want them to be.
Plus: Scott Burns wants to know about readers' good or bad experiences with a long-term care insurance policy.
Financial service firms focus on asset accumulation. No one really thought about why we accumulate those assets.
Readers ask: How do I build an investment package with Fidelity? And should I roll over an IRA from my 401(k)?
Mutual funds with above-average expenses have, on average, below-average returns. And the reverse is also true.
Readers ask: What can young adults do for a secure retirement? How much are Social Security benefits worth as "virtual" wealth?
Social Security is a big, big deal, and personal spending decisions matter.
Readers ask: Are we handling our required minimum distributions and Social Security benefits correctly?
Readers ask: Should I make a large withdrawal from my tax-deferred savings to buy a house? And should I move from my 401(k) plan to an IRA rollover account?
I'd like to point out a fundamental fact that's being overlooked: The real problem with health care is that it costs too much.
Readers ask: Where should I invest a $150,000 inheritance? And should I put all my money in index funds rather than managed funds?
A new book advocates "slow medicine," which encourages a more personal doctor-patient relationship.
Readers ask: Where can I invest for a low risk, modest return? And can I factor a pension into my retirement portfolio?
Let's set a goal: Watch and learn from the good stewards like Bill Gates and ignore the rest.
Readers ask: Will I really need $1 million for my retirement fund? And when should my husband take Social Security since I was a school teacher?
A salesperson would use a 1035 exchange to help you leave one expensive variable annuity for another one. But you can also use it to move to a less expensive variable annuity.
Readers ask: Will Social Security deferral work if future benefits are reduced? And are junk bonds a safer haven than equities?
If you invested in a variable annuity contract with an insurance cost of 1 percent or more, Scott has a plan for you.
Also, inflation risks make mutual funds holding long-term government bonds a poor place to park money.
A new free calculator on the National Center for Policy Analysis website will estimate the lifetime value of moving from one state to another.
Readers ask: How can we get an objective review of our investments? And are fixed-index annuities too good to be true?
Many who retired after the bull market of the 1960s or the soaring 1990s saw their portfolios become extinct over 10 years. The problem is still with us.
Is there a difference between Powershares and Schwab large company funds? Is deferring Social Security is a good deal?
Only the top 10 percent of all households has more in actual financial assets than they have in virtual Social Security wealth.
Readers ask: Should we cancel our long-term care policy? And should we consider a managed futures account?
The Inform Act would require the Congressional Budget Office, the Government Accountability Office and the Office of Management and Budget to provide a fiscal gap accounting.
Readers ask: Are insurance company fixed-rate annuities as safe as FDIC insured CDs? And why are the values of my broker-sold CDs so low?
Employees need to know how much their 401(k) plans cost and what high costs might mean, long-term, for their retirements.
Readers ask: Is a no-commission financial adviser a good deal? And what can I do with cash from a matured CD?
Whether we watch cable, satellite or Internet content, we all have a problem with too many choices.
Readers ask: What are the fundamental asset classes? And how can I avoid the risk of bonds?
The quest for certainty has a gigantic upside, including better retirement income than expected.
Researcher at Dimensional Fund Advisors finds that you may not need to replace as much of your income as you've been told.
Readers ask: Please explain the taxation of Social Security benefits. And who can help my wife with money matters when I die or become disabled?
The real estate market along the Florida gulf coast is looking up. Prices are firming, inventories are down and there are fewer distress sales.
The hard truth is that there aren't any options that don't carry significant risk of loss if interest rates rise.
Many future retirees will do a lot worse than they would have if they had bought a private annuity, and you know what I think about those.
Readers ask: Wouldn't we lose money to taxes on a rollover? And would a reverse mortgage work for me?
Scott's Life of Riley report tells you how much money you need to be at the threshold of upper-crust living — the lower upper crust — without having to work.
How will changes affect bonds? Also, what is a CD ladder, and how safe is the Fidelity Cash Reserve Fund?
For all the problems Johnny Paycheck has been having , keeping up with him is harder than keeping up with the Joneses.
A 24.7 percent fee cut that's part of the Affordable Care Act could leave MDs with no choice but to exit the program.
It is highly unlikely that future health care costs will be anything like the Affordable Care Act would dictate them to be.
Competition has yielded plenty of low-cost index funds where your cost of doing business is extremely low.
Readers ask: How can I buy index funds at no commission at Fidelity? And have variable annuities gotten any better?
Unless your employer offers a very low-cost defined-benefit plan combined with a substantial matching contribution, there's a good chance you'll do better investing on your own.
Readers ask: Should I sell bonds if interest rates rise, are there limits to required minimum distributions and can you give your home away to be eligible for Medicaid?
Nearly half of households could convert their entire savings into no more than $5,000 a year of lifetime income. The top 11 percent could buy at least $50,000 a year of lifetime income.
Readers ask: How do I evaluate a pension increase offer? And is this a good time to sell a fund and consolidate accounts?
Scott's subcompact Prius has 115,000 miles on it and has needed only one expensive repair.
Readers ask: Should I redeem the cash in my policy? And can we reinvest our required minimum distributions in a Roth IRA?
Since only a small portion of this reader's future depends on investing, she can afford to take more risk than people who make substantially more.


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Woman attacks 73-year-old musician Lester Chambers during a concert in Hayward. Chambers was a member of the 1960s soul rock group The Chambers Brothers, whose hits included Time Has Come Today."
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( Patti Perret/Warner Bros. Pictur )
Review: 'Get Hard' is not for the sensitive
Stars Will Ferrell and Kevin Hart are a good comedy team, but 'Get Hard' is full of off-color jokes about race and sex that will offend many viewers, and it gets repetitive at times.
'The Sopranos' Drea De Matteo loses New York home in explosion
'Modern Family' actress Sarah Hyland grew up across the street from buildings that burned and collapsed in accident caused by gas and plumbing work.


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I've recently returned to my boyhood obsession...no, not Farrah's "nips" poster... magic, of course. With things having changed drastically (from...Read More ->
MJM Magic is a delightful company with which to do business. Their prices are keen and the free shipping is the icecing on the cake! Keep up the good...Read More ->


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Circle of Excellence
Call for Applications for the Circle of Excellence
This is your opportunity to be recognized for your channel leadership. Apply for the Circle of Excellence today!
The Circle of Excellence is Channel Partners program that recognizes IT and telecom channel leaders who are helping their partners create business value for their customers. The Circle of Excellence honors executives for their vision, innovation and advocacy of the indirect channel during a time of transition and convergence.
Applications for this year have been submitted and are being evaluated by the Channel Partners team. 2015 Circle of Excellence winners will be honored at a dinner ceremony during the Spring 2015 Channel Partners Conference & Expo. Winners will also be profiled on this page throughout the year.
If you think you deserve a seat at the table, submit your application today for the 2016 Awards. Applications are being accepted now through December 31, 2015.
Meet the Winners
Click the "Apply Today" button. Fill out the application and submit it by December 31, 2015.
2016 Circle of Excellence winners will be recognized at the 2016 Channel Partners Conference & Expo in Las Vegas at an exclusive dinner ceremony. Winners will also be profiled in a Channel Partners publication and on the Circle of Excellence Immersion Center.


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Here's a taste of what TheBody.com has to offer on this topic:
Ask the Experts
PCR/DNA testing for HIV & Oral Sex QuestionDear Dr. Frascino - What is your opinion of the PCR/DNA testing for HIV? I read where a person can get this type of HIV test done two weeks after they believe they were infected. The reason I'm asking is I could use some peace of mind. I...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Hello Five More Days to Go,I don't recommend PCR testing for routine HIV screening for several reasons: 1.It's not approved for this indication.2.It has a significant rate of false-positives.3.Cost.For Read more »
Protected Oral SexHey doctor Bob this great forum and you do great work.I have read through the forum and I have read... Read more »
Negative Partner's Inconclusive Test Reults (HIV TRAVEL BAN !!!!!!!!!!! )Hello Dr. Franscino. I was tested positive for HIV 17 months ago and have been on medication for... Read more »
Oral Sex: What's the Real Risk for HIV?... Table of Contents Studies on the Risks of Oral Sex Tips for Safer Oral Sex Taking Care of Yourself The chances of HIV being transmitted from an HIV+ person to an HIV-negativeperson Read more »
Viral Load Tests...test, which can be "negative" for 2 to 6 months after HIV infection. (See Fact Sheet 102 for more information on HIV antibody testing.) For prognosis , viral load can help predict how long someone will stay healthy. The higher the viral load,... Read more »
Understanding HIV-Related Lab Tests II: Viral Load, Resistance and Tropism...Viral Load Test Viral load is the amount of HIV in your bloodstream. Viral loadcan be measured by two different lab tests: polymerase chain reaction (PCR) orbranched DNA (bDNA). It is best to stick with the same kind of test and notswitch... Read more »
Women and HIV Viral Load...of HIV, the greater the risk of your immune system being damaged. Viral load can be measured by two different lab tests: a polymerase chain reaction (PCR) test or a branched DNA (bDNA) test. Both tests are accurate, but each has a different way... Read more »
Connect With Others
Oral Sex causing HIV?
Posted by jinLA, 4 Replies...really ashamed to say that I am a medical professional when I look back on my recent behavior. I was in China and received oral sex from a massage girl who had what appeared to be a cold with sore throat (also vaginal sex with a condom). This... Read more »
Gman yo dint answer me! please!
Posted by Anonymous, 2 Replies...Hi there, I had a low risk exposure 2 months ago. Just little oral sex (insertive and receptive), few seconds, no cum. The problem was this: the next day appeared a ulcer on my face, near my mouth, Read more »
oral sex and PEP
Posted by Anonymous, 3 Replies...dear all i had unprotect insertive oral sex with a HIV+ woman. 6 weeks passed. i just finished PEP which my doctor gave me. although PEP started late, 9 days after the bad Read more »
The reason not to use a PCR (WARNING)
Posted by Anonymous, 5 Replies...a degree in medicine and infetious diseases make you qualified. And i don't think there are any of those cruising this site. Oral sex is dangerous! If you ever read the post at the body they are very clever in stating that first 'This site is not... Read more »
Resource Centers
Guides for People With HIV


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What can I say that hasn't been said about these movies. Maybe...I really really wish Michael Keaton and Tim Burton stayed for all of them.Published 3 months ago by Jayson Lee
Merci j'adore ces films surtout le premier et le deuxieme bec Michael KeatonPublished 5 months ago by firestart31
Batman Anthology on Blu-Ray...I LOVE IT!!! Soooo thrilled is crystal clear, very, very happy with my purchase!!! Read morePublished 5 months ago by Natalie Tormey


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Home Page > Job Search > Job Detail
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Nelson Staffing is currently seeking a Senior Quality Control Inspector for their client in Clairemont Mesa, CA. This is a temporary opportunity.
Compensation: $23.00 to $25.00 per hour
Senior Quality Control Inspector:
Nelson is looking for a Senior Quality Control Inspector for a visual imaging company in San Diego, CA. The Senior Quality Control Inspector will work in the Quality Assurance Department, and will perform audits, checks, and test for quality for the manufacture of products. The Senior Quality Control Auditor maintains procedures relative to the scope of the quality assurance activity. The right candidate will have 6-8 years of related experience.
About Nelson:
For a full listing of jobs, go to www.nelsonjobs.com, our premier job search engine for candidates. Comprised of three major business units—Nelson & Associates, Nelson Staffing, and Nelson Technology—this company with 40+ years in staffing provides recruiting services to clients and candidates in accounting & finance, clerical, administration, human resources, technology, light industrial, manufacturing, legal, engineering, computer gaming, digital media, and the wine and beverage industries. Nelson places job candidates quickly in a number of fields in full-time, executive, consultative, and temporary positions.
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green worm/caterpillar on roses
Marie_NE_PA(Z5 PA)September 2, 2007
This green caterpillar/worm is eating my rose bushes. It has been a problem for several years and I still haven't figured out what it is. It is worse this year. If anyone knows what it is please tell me. If it is a butterfly or moth larva I will tolerate it but otherwise I will try praying. I just do not want to hurt my butterflies and moths.
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Rose slugs, the larva of a sawfly. Control is with hand squishing, Insecticidal Soaps, Neem oil in that order. I had them on my roses until I got the soil into a good, healthy state so the roses that grew there were strong and healthy and I've not seen them on the roses for several years. I have had them in the past on the Hibiscus, but not this year.


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December 18th
Viking Student-Athletes Receive Scholar Athlete Honors
Marshall, Mo. (December 18, 2014)- The NAIA has announced the 2014 Fall Daktronics NAIA Scholar Athletes. To be eligible for this honor student-athletes must be nominated by their institution's head coach, must have a minimum cumulative grade point average of 3... More
December 5th
Rebecca Jones Named to All-Region Volleyball Team
Marshall, Mo. (December 5, 2014)- Missouri Valley College women's volleyball Senior Outside Hitter Rebecca Jones (Simi Valley, Calif.) has been named to the American Volleyball Coaches' Association NAIA All-Region Team. Jones was a Midwest Region honorable mention selection... More
November 18th
Jones and Rosario Lead Viking Women's Volleyball All-Conference Honors
All-Conference Team-Click Here Marshall, Mo. (November 18, 2014)- The 2014 Missouri Valley College women's volleyball was recognized Tuesday on the 2014 Heart of America Athletic Conference all-conference team. Five Viking student-athletes received all-conference recognition, including two members on the first team... More
November 8th
Viking Women's Volleyball Falls to Evangel in HAAC Tournament
Box Score-Click Here Marshall, Mo. (November 8, 2014)- The Missouri Valley College women's volleyball team traveled to Evangel (Mo.) Saturday night to play in the first round of the Heart of America Athletic Conference Volleyball Postseason Tournament... More
November 6th
Viking Women's Volleyball Finishes Regular Season with Sweep of Stephens
Box Score-Click Here Marshall, Mo. (November 6, 2014)- The Missouri Valley College women's volleyball team traveled to Columbia, Mo., Thursday evening for a match against Stephens (Mo.) College to conclude its regular season. The Vikings led throughout the match, eventually defeating Stephens 25-20, 25-17, 25-17... More
Missouri Valley Vikings
Evangel University-HAAC Tournament 23-25, 15-25, 17-25 (L) (4-5)
Missouri Valley Vikings
Stephens College 25-20, 25-17, 25-17 (W) (4-5)
Missouri Valley Vikings
Peru State College-HAAC 25-22, 25-15, 21-25, 25-19 (W) (4-5)
Missouri Valley Vikings
Harris Stowe State College 25-10, 25-14, 25-15 (W) (3-5)
Missouri Valley Vikings
Mid-America Nazarene-HAAC 21-25, 19-25, 23-25 (L) (3-5)
Viking Views - 24 Feb 14
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Viking Views - 17 March 15
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Viking Views - 27 Jan 15
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Viking Views - 04 Dec 14
12/6/14 on YouTube
Copyright © 2014 Missouri Valley College
(660) 831-4000 | 500 East College, Marshall, MO 65340


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Cyber Monday 2011 gives hockey players and fans another great opportunity to save money on just about anything and everything you could be shopping for this holiday season – so make sure to check out the deals below! Some are good on Monday, November 28 2011 only, while others last for a few extra days or weeks…
Save on Jerseys, Apparel & Accessories at IceJerseys.com
Ice Jerseys, which is already a highly-recommended source for getting custom NHL jerseys, hats, t-shirts, or other apparel, has two special deals running for Cyber Monday. First, they're offering 15% OFF Apparel & Accessories, as well as 20% OFF all NHL Jerseys! These are one-day only offers, good for Monday, November 28 2011. So act quickly!
Huge Discounts on Hockey Equipment at Hockey Monkey
Hockey Monkey has deeply discounted prices on select items in their "Best of Daily Deals" Cyber Monday special, including Easton Synergy EQ5 skates for less than $200, a markdown of more than $460 off their original price!
Save 20% Off this month at HockeyMonkey! Use code MARCH20. From hockey sticks to helmets - Shop hockey gear now!
Other November Deals Still Active
Hockey Monkey Coupon Code: During the month of November, you can take an extra 15% off your order by entering the offer code BLACKNOV11 during checkout! Hockey Monkey has everything a hockey player needs, from skates and sticks to protective equipment and accessories, so this a great chance to save on big-ticket equipment items like the Easton Stealth RS composite hockey stick, or high-end skates like the Reebok 11K Pump.
ProSportsMemorabilia.com has a huge selection of autographed NHL items such as photos, jerseys, and sticks, or game-used pieces of hockey lore. The following coupon code is still good through November 30, 2011:
Get $10 off any purchase of $150 or more at ProSportsMemorabilia.com. Use coupon code:PSMNOVEM
Get the latest info on sales & coupon codes for hockey equipment & NHL-related items by subscribing to our email newsletter!


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See a narrow family room transformed!
Tour a fun and feminine space.
Tour the condo of Holt Renfrew's Lisa Tant.
House & Home style editor Michael Penney updates and outfits an old dresser with paint, hardware, and a new granite top. Add to your kitchen storage and make use of reclaimed furniture instead of buying new.


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Dynamic currency conversion
|This article needs additional citations for verification. (June 2012)
Dynamic Currency Conversion (DCC) or Cardholder Preferred Currency (CPC) is a financial service in which holders of credit cards, when making a payment in a foreign currency, have the cost of a transaction converted to their local currency at the point of sale. It allows customers to see the exact amount their card will be charged, expressed in their own home currency, but the exchange rate is generally less favorable than that offered through their credit card company. In addition, if the card issuer charges a fee for charges made outside of the card holder's home country, that fee will be added in addition to the DCC fee, despite the fact that the charge was made in the home currency.
Anecdotal evidence suggests many customers do not understand DCC, are not properly informed of the terms, and are not able to make an informed decision whether to elect to pay in the local currency or in their home currency.[citation needed] Proponents of this service suggest that the benefits to travelers is that it allows them to view and therefore understand prices in foreign countries in their home currency and for business travelers making it easier to enter expenses.
The currency conversion is done locally by the merchant or his representative card processor instead of by the credit card company. The financial benefit to the merchant or their provider may be an incentive for the merchant to use DCC even when it would be disadvantageous to the customer. The merchant is obliged to ask the customer if they want to use DCC but sometimes false information is given by the merchant to persuade clients to use DCC, such as that "DCC bypasses foreign transaction fees" or that "their machines automatically convert purchases to home currency at the point of sale", which are both not true.
Dynamic Currency Conversion was created 1996 and commercialised by a number of different companies including Monex Financial Services[1] and FEXCO[2]
Prior to the card schemes (Visa and MasterCard) imposing rules relating to DCC, cardholder transactions were converted without the need to disclose that the transaction was converted into their home currency, in a process known as "back office DCC". Visa and MasterCard now prohibit this practice and require the customer's consent for DCC, although many travelers have reported that this is not universally followed.[3][4]
Even with Visa and MasterCard's rules, it can be argued that the customer is not given enough information to make a truly informed choice. However, for a non-DCC transaction the card schemes do not apply their exchange rates until the transaction is cleared, so the customer only becomes aware of the rate used when it appears on their account. While DCC transactions can have a poorer rate of exchange than the card scheme rates, the DCC rate used is displayed up-front to the cardholder before confirming the transaction.
The following is a typical DCC transaction at point of sale (POS). A cardholder (say, from the United States) that is traveling in Europe presents a Visa/MasterCard for payment for a product/service priced in euros.
The credit card details are captured on the point of sale, which identifies that the card is a USA issued card. The cashier asks the cardholder if he/she would like to pay in US dollars, and if so, the POS converts the euro amount into US dollars based on a set exchange rate. This exchange rate is selected by the merchant, but is usually less favorable to the cardholder than the rate offered by the card issuer.[5]
The cardholder signs a receipt that shows the euro amount, rate of exchange and the US dollar amount. The service guarantees that this exact US dollar amount will be debited to the cardholder account, and the exact euro amount will be credited to the merchant's account. However, the US bank that issued the card may impose an additional foreign transaction fee on the customer.
DCC has proved popular with merchants.[citation needed] DCC enables merchants to profit from the foreign exchange conversion that occurs during the payment process for a foreign denominated Visa or MasterCard.[citation needed]
Credit card acquirers and payment gateways will also take a profit on the foreign exchange conversion that occurs during the payment process for foreign denominated Visa and Master cards when DCC is used. DCC revenue has been important for them because it offsets increasing international interchange fees.
The advantages to customers, according to proponents:
- the ability to view and therefore understand prices in foreign countries in their home currency
- the ability to enter expenses more easily (for business travellers)
- EU regulation 2560/2001 could make non-eurozone cash withdrawals within the European Economic Area cheaper for eurozone customers, because euro cash withdrawals are regulated. A Swedish law (SFS 2002:598) combined with the EU resolution does the same thing for Swedish cards if the transaction is in SEK or EUR. Generally, Eurozone banks charge a fixed fee for foreign cash withdrawals while domestic withdrawals are free of charge. Because of the EU regulation, this makes EEA withdrawals in euros free of charge. For example, let's say that a eurozone card is used for a withdrawal in the UK. With DCC there are two options: processing the transaction in pounds (good exchange rate but a fixed cash withdrawal fee) or processing the transaction in euros (bad exchange rate but no fixed cash withdrawal fee). For small amounts, the latter option may turn out cheaper.
The advantage to the merchant is the ability to charge an additional foreign exchange margin on the transaction.
The major drawback of DCC for the customer are unfavorable exchange rates being applied by the merchant, resulting in a higher charge on their credit card.
The size of the foreign exchange margin added using DCC varies depending on DCC provider, card acquirer or payment gateway and merchant. This margin is in addition to any charges levied by the customer's bank or credit card company for a foreign purchase. In most cases, customers are charged more using DCC than they would have been if they had simply paid in the foreign currency.[6][7][8]
An example can be seen in the following image, where the same GBP purchase is made twice just after each other: one with DCC and one without DCC. In both cases, the original amount is GBP 6.90 and is paid with a Visa card denominated in EUR. When applying DCC (left part of the image), the amount becomes EUR 8.20. This will also be the amount on the credit card statement. Without DCC, the amount is GBP 6.90 and the resulting EUR charge can be found only at the credit card statement, and can vary with any fluctuations between the GBP and EUR currencies.
On the card statement, the difference in charges can be seen: the DCC transaction is correctly charged at EUR 8.20 while the non-DCC is charged at EUR 8.04 - a difference of almost 2%. While this may seem a small amount for the customer, it can mean a big income stream for acquirer and merchant.
In summary
- Rate can be poorer than the actual exchange rate as merchant sets the rate in their favor
- Customers may not be advised of the choice open to them to select the local currency or may not notice that DCC is being used
- Customers may find DCC to be forced upon them, without a clear choice, as merchants falsely claim their machines automatically convert purchases to home currency at the point of sale
- Credit card disputes can be lengthy or impossible if a customer signs the receipt with / without a clear choice
Third Party Providers[edit]
The primary providers of DCC are:
- FEXCO Merchant Services[9]
- Fintrax Group[10]
- Global Blue[11]
- MONEX Financial Services[12]
- Planet Payment[13]
- Euronet Worldwide[14]
- Elavon Inc.[15]
- TransferWise[16]
- Six Payment Services[17]
- ConCardis[18]
- ^ "About us". Monex Financial Services. Retrieved 9 June 2014.
- ^ "Dynamic Currency Conversion (DCC)". FEXCO. Retrieved 9 June 2014.
- ^ Collinson, Patrick (12 July 2008). "Going to Spain? Just say no". The Guardian (London). Retrieved 1 May 2010.
- ^ "Dynamic currency exchange". FlyerTalk. Retrieved 31 December 2011.
- ^ Keck, Gayle (31 July 2005). "Charge It . . . but Check the Math". Washington Post. Retrieved 31 December 2011.
- ^ Steele, Jason. "The Foreign Conversion Scam". Retrieved 31 December 2011.
- ^ Keck, Gayle (31 July 2005). "Charge It . . . but Check the Math". Washington Post. Retrieved 31 December 2011.
- ^ "Dynamic Currency Conversion: Still A Scam". 9 March 2008. courant.com. Retrieved 31 December 2011.
- ^ FEXCO Merchant Services
- ^ Fintrax Group
- ^ Global Blue
- ^ Monex Financial Services
- ^ Planet Payment
- ^ Pure Commerce
- ^ Merchant Services
- ^ TransferWise
- ^ Six Payment Services
- ^ ConCardis


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His latest statement, in a Washington Post op-ed, warns of a wave of legislation pending across the US that could discriminate against the LGBT community.
The seventh installment of the "Fast & Furious" franchise is nearly upon us. Dennis McCarthy, who has wrangled cars for the series since 2006's "Tokyo Drift," tells us how he pulled together the amazing rides for this latest film.
Technically Incorrect: In the new book "Becoming Steve Jobs," the Microsoft co-founder marvels at Jobs' ability to excite a crowd about technology.
Technically Incorrect: A prankster troupe invades an Apple store, masquerading as employees. What results is instructive.
The two design divisions of Yamaha switched jobs for a very special art project showcasing their creativity and ingenuity.
This pretty gas range comes with a griddle pan and a wok insert so you can expand your culinary horizons right at home.
Yamaha's motorcycle designers have created some musical instruments, while the instrument designers have created vehicles.
Due out Tuesday, "Becoming Steve Jobs" paints a portrait of the late Apple co-founder that his colleagues say captures him more accurately than other accounts.
Technically Incorrect: The Microsoft co-founder is uneasy about the speed of technological change and the possibilities it opens for robots to simply dominate us.
A blunt "no!" was Jobs' response, according to a biography being published this month. It was one of the few times Jobs yelled at him in 13 years, Cook says in the book.


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Category:Ukrainian diaspora in Romania
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Tell the world you've got one clever girl. This set of three bracelets is made up of chains of modern-type-based 0's and 1's—the numbers used for writing computer code. Each Binary I Bracelet is made of a solid piece of 3-millimeter-thick wool felt. Worn alone or in stacks, these pieces look as smart on casual days as they do on evenings out. The code spells out the question "What?" A humorous reflection on being lost in translation.
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Skip the Line: Small-Group Florence Uffizi Gallery Walking Tour
Special Offer
- Book and travel any time between March 1 and April 30, 2015, and save 10% off our previously offered price!
- 1.5-hour small-group skip-the-line Florence Uffizi Gallery tour
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- Visit the key Renaissance rooms, hung with treasures by Leonardo da Vinci, Michelangelo and Botticelli
- Witness masterpieces such as Botticelli's Birth of Venus, Leonardo da Vinci's Annunciation and more
- See other select works and learn about the genius and lives of the artists
- Visit the scenic rooftop terrace to take in wonderful city views
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January 2015
It was really great tour. Our guide was fantastic as he regaled us with background stories to the art and the artists. I am not an art aficionado, so our guide made it really enjoyable on what might be a boring subject.
December 2014
Had a great time. The guide Philippo was the best. We will certainly use viator again
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Author's Note; This has been sitting in the notebook I write in at school since September - I finally got around to putting it up! This is set 'after school', and after Showmance. Like, the day that Finn and Rachel kiss in the auditorium, and then this happens. Also, when I wrote this - Drizzle didn't exist. I guess it still makes sense, 'cause Finn didn't know that Drizzle existed at this point, either!
Anyway. Reviews and comments are love. =) And I don't own anything (especially not the talented and beautiful Lea Michele, Mark Salling or Quinn Fabray... =P)
A sunny yellow house in suburbia, atop a perfectly manicured lawn, mid-afternoon. Harsh sunlight beat down on a rusty orange Toyota in the drive, and a man in a blood red football jersey stood on the door step. He rang the bell once, turned to look nervously over his shoulder, rang the doorbell again. A faint yell from within the house – the man rang the doorbell a third time.
"Look, I appreciate the effort - I really do – but my fathers and I have no interest in being Jehov- Finn?"
Rachel Berry stood in the doorway, a half empty pint of Ben and Jerry's in one hand, hair knotted on top of her head. She was barefoot, and wore only a pair of grey sweatpants and a black tanktop.
Finn – who was entirely taken aback at seeing Rachel in anything but an entirely put-together state – made a slightly strangled noise, then cleared his throat. "Uh, Rachel?" He watched as she turned a never-before-seen shade of scarlet.
"My Daddy's at work, and Dad's at the country club and – wait, what are you doing here?"
It seemed to occur to both of them at the same time that Finn was the one that should be explaining, not Rachel.
Finn's hand slipped nervously to the back of his neck. "Uh, Rachel? We need to talk."
"Oh!" Rachel said, and steeped out of the doorjamb to allow him inside. As Finn stepped in the door, he felt himself immediately get smaller from the positively suffocating décor of the entry hall. The walls were painted a deep burgundy, and shelves were pushing in from either direction, covered with trinkets vying for the visitor's attention. One entire wall seemed to be devoted to showcasing Rachel's achievements. Countless ribbons, trophies, and photographs cluttered the shelf-space, along with stacks of yellowing report cards and several dozen Kindergarden-esque paintings. The other wall was adorned with what appeared to be kitchsy souvenirs from various exotic locales. To his immediate left was a closed door, and there was another closed door a little ahead and to his right.
By the time Finn managed to tear his eyes from this scene, Rachel was long gone. A little frantic, Finn hurried out of the entry hall and into the expansive room at the end. A large screen television was at the far end of the room, surrounded by airy looking rugs and a pair of snow white couches. To the left, on either side of the fireplace were sliding glass doors, thrown open to what appeared to be a room decorated entirely in navy blue. To the right was a kitchen table, and a kitchen painted in airy yellows and blues, and covered in blonde wood and white granite. This was where Finn finally spotted Rachel, practically buried in the refrigerator.
"Would you like a drink, Finn? We have Coke, Sprite, Rootbeer and Dr. Pepper. Or how about some ice cream? We have more or less every kind immaginable. Daddy's addicted." She pulled herself out of the refrigerator long enough to glance up at him and see him gaping at the conflicting decorations. "Oh, yeah, my fathers both have very distinctive styles... They had a tournment in Wii Bowling to see who'd get to decorate which room."
Finn licked his lips – this was becoming awkward, quickly. Her false cheeriness wasn't very stable – it was changing rapidly between perfect hospitality and poorly disguised malice. Maybe this wasn't such a good idea after all. He opened his mouth to tell her that he was leaving, but she narrowed her eyes before he could even get a good breath in. He blinked, and quickly changed tacts. "Uh, can I have a Coke?"
"Sure," Rachel said, quickly switching back to false brightness. She passed him his Coke, bumped the refrigerator closed with her hip, and then crossed the room to plop down on one of the couches in all of her lounge wear glory. Cautiously, Finn popped the tab on his Coke and crossed to sit on the opposite couch, very carefully safe-guarding against any possibly for spills, even as Rachel sloppily attacked her ice cream.
"I, uh, wanted to talk about today," Finn said slowly.
"What's to talk about?" Rachel asked, immediately stuffy and clearly wounded.
"You know, what we have to talk about," Finn snapped, and then immediately blushed.
"It obviously didn't mean anything to you," Finn could have sworn he heard her sniffle, head buried in the carton "so, clearly, it's nothing to me, either."
Finn scrunched his eyes tightly closed, instinctively trying to force out this newfound drama in its entirety. Did she really think that those kisses had meant nothing at all to him? He wasn't Puck, for Christ's skae. Did she honestly believe that he was superficial? Didn't she know that if he had more control and wasn't terrified of coming all over her and she wanted it as well, he'd have no place in celibacy club any more? "Of course it meant something to me, Rachel, I-"
"Yeah, maybe it meant an easy fuck," Rachel said sharply, the unexpected swear sounding quite foreign on her lips. "Well, I'll tell you right now that I have no interest in anything commitment free. If Quinn's restrictions make it difficult for you to...be satisfied, too bad. You're just gonna have to take it up with someone else."
"I don't think I want anyone else," Finn breathed, untouched Coke shaky in his hand. Rachel paused warily, a spoonful of ice cream halfway to her mouth. "You were right, Rachel. I do have feelings for you, and I wasn't man enough to admit it." His Coke can was visibly shaking as he leaned needily towards her, and she was unsurprised to find herself leaning in as well. "I...Quinn was always just... I mean, come on, Rachel, I joined celibacy club to get in her pants!" Rachel didn't even try to bite back her responding snicker. "This is different."
Rachel sniffed again. "If you think a few kind words are gonna get me to let you do what you want – while dating Quinn, nonetheless – you are sorely mistaken."
"I've dumped Quinn. And I'm used to waiting."
With several, very carefully measured steps, Rachel rose, crossed the rug, and took his can from him. He followed her warily as she briskly went to the kitchen and set his Coke and her ice cream on the counter.
And then, with one smooth motion, she turned and threw the entirety of her weight into the solid brick wall that was Finn Hudson.
Seeing as she was so much shorter than he, in order for her to kiss him without him entirely bending in half, she had to quite literally jump him. Luckily, years of being a football player had given Finn fabulous reflexes, and he caught her with one hand under her ass, the other steadying them both on the counter behind her. Her mouth was all over him, and he was the farthest thing from trying to stop her. Her legs wrapped tightly around his waist, so it was fairly easy for Finn to heft her onto the counter without breaking contact. She forcibly jerked him towards her, smacking his hips against the counter, effectively leaving them both clutching each other, panting.
"This," Finn started, but then trailed off in an effort to return his heart rate to normal.
"This," Rachel agreed with a shaky breath and a huge grin.
"Rachel, I want to do this right."
Rachel considered for a moment, lips pursed. "Really? 'Cause I just want to do this."


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2623 Epping Road
Wilmington, Delaware, 19810
Commute to Downtown Wilmington
Almost all errands require a car.
It is possible to get on a bus.
Score Details
2623 Epping Road has a Walk Score of 12 out of 100. This location is a Car-Dependent neighborhood so almost all errands require a car.
This location is in Wilmington.
Nearby schools include Concord High School, Brandywood Elementary School and Children S House Montessori.
The closest grocery stores are Petersheim's Fruit & Produce, Show Me Store and Grandma's Fruitcups.
Nearby coffee shops include Starbucks, Starbucks and The Coffee Station. Nearby restaurants include Hot Spot Pizza, Little Caesars Pizza and Planet Hoagie.
2623 Epping Road is near H.B. DuPont Plaza, Wilmington University and DuPont Headquarters.
Explore how far you can travel by car, bus, bike and foot from 2623 Epping Road.
2623 Epping Road has minimal transit which means it is possible to get on a bus.
Bus lines:
35 Shipley Road/Dartmouth Woods
0.2 mi
61 Naamans Road
0.5 mi
This location is in the city of Wilmington, DE. Wilmington has an average Walk Score of 72 and has 70,851 residents.


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Avon has long been known as a great beauty company that caters to the needs of real women. It comes as no surprise, then, that they recently launched a new skincare line, liiv Botanicals, which aims to care for a woman's skin and nurture a woman's beauty inside and out. The products are created using <... >
Not too long ago we told you all about Shopflick.com, which we dubbed the youtube of the fashion world. A site that focuses on small label clothing, accessories and beauty products, with videos for each brand explaining the inspiration behind the collections, how to wear certain items, info on the brand and how the handmade <... >
Good news for all you discerning foodies: the semi-yearly NYC Restaurant Week has been extended through March 20. This means you've got an extra few weeks to sample special lunch and dinner menus at some of the city's swankiest eateries – for a fraction of the price. This year's hottest locales include: Asia de Cuba, <... >
With spring right around the corner all a girl needs is a few key power players to spruce up that SS 09 wardrobe. If you are interested in taking a breather from the current glam dark hues, try channeling your inner Kindergartener with this season's hottest color blocking trend. Mixing bold vivid statement pieces with <... >
In these trying economic times, it's nearly impossible for a gal to counteract the ripple effect caused by lack of funds as the priorities of beauty maintenance are relegated to the bottom of her to-do list. Luckily, the good folks at Yelp.com understand the dismal toll that an unkempt appearance can take on a fashionista's <... >
Have a thing for drop-dead delicious eco-friendly clothing, yoga and light snacks? On Thursday, March 19th, designer Stewart + Brown is teaming up with YogaWorks to host a "Yoga and Shopping" event benefiting New Yorkers for a Green New York. Sit back and unwind as Howard Brown of Stewart + Brown discusses how to be <... >
Some might think the return of the eighties or peplums were the highlights of New York Fashion Week, but in our humble opinion the greatest introduction during NYFW was Aveda's I CatWalk for Water campaign. The do-gooders over at Aveda hope to provide clean water to communities in need around the world by introducing the <... >
Everyone knows (even if they won't admit it) that New York City is the best place to live, for many (many) reasons and one of those reasons is Ricky's NYC. Recently Ricky's NYC has had some awesome upgrades; first, for those of us who are not fortunate enough to live in the greatest city on <... >
In today's City Pulse steal we're giving you the inside scoop on two appointment only beauty events going on next weekend at some of the city's most trusted beauty counters. First up, Lord & Taylor and Borghese have teamed up to offer facials and skincare consultations, make up application and a free gift. Facial choices <... >
Without question, we at BN know that you're fans of fabulous beauty products and chic New York fashions. We also know that you're supportive of your fellow fearless females and our efforts to stop sexism, Rosie the Riverter style.This Sunday, March 8th, is International Women's Day and we're supporting a great cause in celebration of <... >


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2-Door Sedans and CoupesTalk3
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3 Reviews
Average Customer Review
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6 of 6 people found the following review helpful
4.0 out of 5 stars Artful Little Journeys,
The Wolf (uk) - See all my reviews
Ratatat are an American duo comprising Evan Mast who plays synth,
bass and undertakes production duties and Mike Stroud, who plays
guitar. LP4 is (not surprisingly) their fourth album. It has a
nicely home-made ambience full of rickety but largely successful
musical ideas. Imagine a scaled down MSTRKRFT with a gentler sense
of humour and you're getting somewhere close.
Opening track 'Bilar' explodes out of the brooding introductory
chords like a broken clockwork toy bouncing off the skirting-boards.
A curiously disconcerting invention.
The sombre central dirge sounds as though it has epic intentions but
the chattering coda and German spoken-word sample segues directly
into the next track 'Drugs' (sporting some thrillingly cheesy guitar
licks!) before it has a chance to realise its erstwhile ambitions.
'Neckbrace' is a particularly fun example of what these
talented gentlemen are capable. The twitchy-scratchy beats
and deconstructed scatty bass voice set up a deliciously funky
background for the cut-and-paste guitar and synth incursions.
The fairground swish and swoop of the miniature 'We Can't
Be Stopped' generates an uneasy dream-like atmosphere.
(Picture a mad clown at the controls of a roller-coaster
in a 1950's American black and white B-movie!)
Likewise, 'Maholo' comes and goes in not much more than
two minutes. There's a slight taste and smell of Hawaii
at work in the duck-and-diving arrangement which pulls
the rug of certainty out from under our feet.
The ambiguous musical imagery is a great part of its charm.
'Bare Feast' comes on like a cross between an Appalachian
hoedown and the prelude to plate-smashing dance at a Greek Wedding.
Mad as a box of frogs in the nicest possible way.
Final track 'Alps' manages to transform a series of particularly
banal melodic ideas into something far more interesting than it
might have been by virtue of the sheer nerve and bravado of its
unpredicatable drive and artfully dynamic forward motion.
The whole album is a journey with no clear beginning, middle
or end but one, none-the-less, which delivers rich rewards
without the need for a neat and tidy final destination.
A singularly fascinating little magical mystery tour.
4.0 out of 5 stars Harder and Stronger than LP3,
Verified Purchase(What is this?)
For those who like LP3, they will love LP4. LP4 captivates you and takes you to do a mental trip where you will vibrate and feel all the power of this album.
5.0 out of 5 stars simply superb,
Verified Purchase(What is this?)
I've been listening to electronica since the mid 1990, and it's a rare day that an album has such an impact on me.
Most Helpful First | Newest First
LP4 by Ratatat
Buy MP3 Album: �7.49


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Aerosmith's Joe Perry Wishes Steven Tyler A Happy Birthday On American Idol (Photo)
American Idol judge Steven Tyler turns 64-years-old on March 26th and what better way to celebrate than to have his buddy on stage. Aerosmith guitarist Joe Perry took to the stage to play Happy Birthday on his guitar for Steven. To assist him in the song, he had the ... Continue Reading


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Copyright 2013. Rosa Parks Center for Performance Arts. All rights reserved.
We are a division of Contemporary Art Institute of Detroit (CAID).
December 2014
President Barbara Troy (l) and Board Member Jaclyn Strez (r) enjoy dinner meeting at Polish Palace in Hamtramck
Rosa Parks Center, a division of Contemporary Art Institute of Detroit, is a tax exempt 501-3C nonprofit organization. We provide classes and workshops in acting, costume design, sewing and singer/songwriting at no cost to area teens and adults. We are currently configuring our Spring 2015 class schedule. We look forward to moving into our new office in Ferndale soon.
A sunny day Summer 2014 Board Meeting, with board members Jaclyn Strez (l) and President Barbara Troy (r)
Artist Nicole MacDonald working on portrait of Rosa Parks
November 2014
We entered storefront 14905 Grand River only to learn that squatter had taken furnace, hot water heater, electric service box, overhead lighting, toilet, sinks and gas meter. Same squatter also cleaned out second story leaving only a small funky stove and refrigerator which will be trashed. Good news is that downstairs has 14 ft. coved tin ceiling in perfect condition under all that 1970s drywall. Builder Vance Patrick, who restored Belle Isle Aquarium, is working with us to restore this and attached store front to its turn of the century glory.
We are 501-C3 tax exempt. Appreciate donations of any working appliances and also money donations welcomed. Tradespeople and non tradespeople welcomed to cleanup, drywall repair, hang doors, paint, assist with plumbing, electrical and heating needs. Please use contact page to let us know how you would like to help.
Completed portrait of Rosa Parks, 12/8/14, to be installed on building facade


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Pilates & More
Pilates mat class with props to strengthen and tone the total body and adding flexibility exercises to help prevent injuries. All levels welcome. For more information or to register by phone, please call the Wellness Center at 617-243-6221.Registration fee: Jan Session: $42.00; Winter Session: $115.00
|Class Date:
4 sessions
|Shipley Fitness Center
|Karin H / Eliana R
|Please call us at 617-243-6649 or 617-243-6221 for more information
11 sessions
|Shipley Fitness Center
|Karin H
|Please call us at 617-243-6649 or 617-243-6221 for more information
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Find primary care physicians and specialists.
Wellness Center Classes
Did you know we offer a variety of exercise and fitness classes designed to accommodate various levels and abilities? Our schedule is available for you to view.
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"Top Doctors"Boston Magazine featured Newton-Wellesley Hospital in their annual "Top Doctors" issue as a top community hospital outside of Boston.
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US News and World ReportUS News and World Report has ranked Newton-Wellesley Hospital 16th in Massachusetts.
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