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Now you can call Cesar Millan the oath taker.
Millan, the Mexican-born star of National Geographic Channel's "Dog Whisperer" was sworn in as a U.S. citizen Thursday morning at a ceremony in Montebello, Calif., the National Geographic Channel said in a statement.
Millan, who passed his citizenship test earlier this year, has been a U.S. resident since 2000.
"This is the ultimate culmination of living the American dream," he said.
The animal trainer, who shot to fame in 2003 when his series premiered on the National Geographic Channel, chronicled his childhood in Mexico and how he crossed the border as a young man in his book, "Cesar's Way."
Copyright 2015 by Associated Press. All rights reserved.
This material may not be published, broadcast, rewritten or redistributed.


text: Patterned after the formidable M4 Small Arms Rifle, the new US Army Alpha Black paintball gun offers authentic looking realism right out of the box. Manufactured by Tippmann Sports, Alpha Black boasts an in-line bolt system, all-aluminum die cast receiver, stainless steel gas line and quick release feeder elbow. The E-grip version increases your rate of fire with electronic firing modes. Shoot up to 15 Ball Per Second with 3 shot burst and two fully automatic modes.

subset: commoncrawl


text:
The Top 10 Most Beautiful Brazilian Models
Brazil has produced so many of the world's top models, it's tough to count them all. But there are definitely some who stand out and have become household names. We've narrowed down the ten most gorgeous gals from Brazil's sunny shores. Check out all the beauty!
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text: I can't add much to what the first reviewer said, except to say you should get one right now! I hardly use any other appliances for cooking anymore. I was a little worried that it would turn out to do everything, but nothing well, but it actually does everything well. You can roast, bake, grill, or microwave, and I have no complaints on any account. It makes the best roast chicken ever, in much less time than it would take to do it in your oven, and really excels with baked goods as well. This is just a terrific appliance, and while the price seems a little high, it is a great value for all that it does. All of this, and it takes up about a third less space than the microwave it replaced. There should be a fan club!


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Online crime maps - Frequently Asked Questions
About the Map Application
There are three My Neighborhood Maps that display police information, two icon-based maps - the 9-1-1 Incident Response Map, the Police Report Map - and the geographically based Statistics Map.
The 9-1-1 Incident Response Map, is a snapshot of the last 48 hours of Police and Fire dispatches throughout the city. As soon as an incident is considered safe to close, it will populate the system. This depends on officer and citizen safety issues, scene security and the sensitive nature of ongoing investigations. In some cases it may be a few hours before a scene can be considered closed, and in other cases it may be nearly real-time. The information for this map comes directly through the Computer Aided Dispatch (CAD) system.
This map is the quickest option for finding out about sirens you may have heard, or an incident going on nearby within a short timeframe.
The Police Report Map is based on initial police reports taken by officers when responding to incidents around the city. The information enters our Records Management System (RMS) and is then transmitted out to the map. This information and its corresponding map icons will populate the map within 6 to 12 hours after the report is filed into the system. Within 2-3 days some of the narratives (Homicides, Assaults, Robberies and Burglaries) will include additional detail.
The data for this map are archived and can be searched across months and weeks. It is a great way to get an idea of the ongoing event patterns in your neighborhood in a way that is more searchable.
The Statistics Map is based on monthly crime statistics. It does not display icons. Instead it shows you geographical police beats. This map will tell you about the police beat your neighborhood is located in and how it compares to the rest of the city on certain crime patterns.
Because it only covers major crimes (also called Part I Crimes) this map will not show other crime types (like narcotic activities) or non-crime incidents (like disturbances). Rape data are available in monthly crime statistics, because this information is not geographically pin-pointed linked to a specific crime report on the Statistics Map.
The crimes displayed on the Statistics map have been vetted and reflect what are reported as the official crime statistics to the FBI. Because of this, they are the most accurate source to compare major crime patterns, and trends over time.
Some police reports can include multiple offenses. For example, suppose an officer responds to a report of trespassing. Then at the scene, he discovers the person trespassing also has as a warrant out, which prompts an arrest. This would then show up both as a trespass and as a warrant arrest. An icon would display for both offenses, but they would share the same report.
The specific icons displayed on the map depend on the order they are selected on the left-hand panel. So - using the trespassing/warrant example - if you "turn off" arrests but still have trespassing "turned on," the incident will still show as a trespass on the map.
There is a different system that populates each map, the 9-1-1 Incident Response Map is powered by Computer Aided Dispatch (CAD) and the Police Reports Map is powered by the Records Management System (RMS).
CAD and RMS have some slightly different ways of categorizing incidents. For example, in CAD you have call types that include Mental Health" and "Suspicious Circumstances" but these same categories are not used in the RMS system.
If you directly compare the two maps, the vast majority of the icons will be the same, but where there are differences, this is the reason why.
The dates are based on the occurrence of the incident. If the exact date of the incident is unknown (i.e. coming back from vacation and finding your house has been burglarized) the incident will be given a date range. When this happens, you will see incidents that overlay the dates of your search.
About the Data
These reports are made available to the public in accordance with the Public Records Act (See Revised Code of Washington, RCW 42.56).
Making the majority of these reports available online is a service the Department is providing to the public to promote easier access and greater transparency. This is at our discretion and is beyond the requirements of the Public Records Act. To balance the needs of public access vs. personal privacy, all reports are redacted and some types of crimes are not made available as part of this system.
If you would like to request a report that is not listed here, you may complete and submit a Public Disclosure Request.
The police reports shown on the map are the initial reports of crimes in the city. Often on further investigation, the crime report will be shown to be unfounded, or the crime type will change. Additionally, there are a great number of activities reported that, while suspicious (such as prowling), may not be true "crimes". These will not show up on the final monthly crime statistics.
The 9-1-1 Response Map and Police Report Maps both present a short-term view of crime: they provide a good sense of what is reported to be going on in a neighborhood, or in the city at any time. They are also good for seeing patterns of types of crimes happening (such as an unusual amount of reported bike thefts in your area).
The monthly crime statistics provide a longer-term view. They give a much better measure of overall safety in an area by providing ongoing, trackable patterns of crime over time.
This is called redacting and it is done to protect the privacy of the people involved in the incident. The redacting is done in accordance with the Public Records Act. (See Revised Code of Washington, RCW 42.56).
The Department redacts the names of all victims, all non-involved parties, all juveniles/minors and all suspects unless they have been booked into jail. This is a major reason why it takes time to prepare crime reports for online posting.
Once a suspect has been booked into jail, their name is no longer private. If they were booked into King County Jail you can view suspect information online at the King County Jail Register.
Most reports will have a police report listed. Most will be linked to a shorted police report that is automatically generated but provides more details than what is on the map.
In the case of Burglaries, Robberies, Aggravated Assaults and Homicides, within 3 business days a manually redacted report will become available that gives the entire narrative of the event. These crimes were chosen because they are some of the most serious, of interest to the public, and there is sufficient staff time to prepare them for viewing.
With the Police Reports Map and 9-1-1 Response Map, SPD is making almost all of our reports available online. The Department attempted to be very thoughtful about what information was released and what was not. These decisions were not made to "hide" types of crimes from the public, instead decisions were made about who to protect.
The only reports that are not being released under this system are when the rights of the victim, age of the victim, possibility of revictimization (either physically or by having the information made public) or overall public safety/security issues take clear precedence over the public right to know.
Information on Rape and other sexual offenses, Domestic Violence, Child Abuse, Kidnapping, Suicides, locations that are sensitive (like Domestic Violence shelters), Homeland Security issues and tactical information that might compromise the safety of our officers are not being released in this system.
If the event is one of the many types we do show, but the location code was entered into the system incorrectly, the location of the event cannot then be verified. In this scenario, this particular event will not appear on the map at all, rather than providing possibly misleading information.
If you see information about a crime you were involved in and believe the information is inaccurate - please contact the followup detective in your case and talk to them directly about the information.
If you are concerned that a report is online and want it removed entirely, contact SPD Legal Unit at 206-233-5141 to discuss this on a case by case basis. In most cases we will need to adhere to the Public Records Act and leave the report online.


text: Close Tweet0 Share0 Comment0 Share0 Share0 Stumble It0 Print0 More One And One Air Force Star Michael Lyons Injured Early Against UNLV by Andy Glockner Email Posted: Wed Mar. 13, 2013 Air Force star Michael Lyons sustained an injury to his right knee during the team's face-off against UNLV. (Orlando Ramirez/ Icon SMI)LAS VEGAS -- An eagerly anticipated Mountain West quarterfinal between Air Force and event host UNLV took a dramatic turn for the worse in the second minute of play when Air Force star Michael Lyons, a first-team all-MWC selection, injured his right knee.Lyons was dribbling up the floor and, attempting to elude UNLV's Katin Reinhardt who poked at the ball from behind, lost control of the ball and appeared to bang knees with UNLV's Bryce Dejean-Jones near midcourt. As the Rebels went the other way and converted a basket plus a foul, Lyons remained on his back where he went down, and was reaching for his knee.Air Force sports information director Jerry Cross confirmed at halftime that Lyons has a "sprained right knee" and will not return to the game. The Falcons also lost starting center Taylor Broekhuis in the first half. Broekhuis took a blow to the chin and also will not return to the contest. Air Force never recovered from the injury blows, committing 13 turnovers (they average 12 for the season) and went into the break down 33-20. Promoted Stories Comments


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ROCKFORD, Michigan (WZZM) - The economy is taking its toll on individuals, businesses, and non-profit organizations. Saturday night one group that helps strengthen and brighten the lives of hundreds of people with disabilities held a fundraiser. The Equest Center for Therapeutic Riding is doing what it can to survive the economy.
You can't miss the magnificence of the animals. But it's the magic that takes place between horse and rider that's the focus at the Equest Center.
Rider Brooke Jenkins says, "Being around horses makes it to where you can be yourself, not who people want you to be." Jenkins started riding at Equest almost ten years ago. Despite the fact her doctors said she might never walk, she gets around pretty well, partly because of her work with the horses. She says, "It makes me stronger in my arms, my legs, hips and stuff."
Equest Center Executive Director Kathy Ryan says therapeutic riding can help riders learn to speak through the commands they give the horses. The movement of the horse helps people learn to walk. And so much more. Ryan says, "We call it therapy disguised as fun because the kids don't know they're working."
Equest volunteer Marissa Freyling rode and loved horses before her health problems began. She explains, "I had cancer and dealt with complications. Had a bone marrow transplant, a kidney transplant. And all through that, had horse posters on my hospital wall, just dreaming of getting back on one." Freyling was able to get back to riding, sidesaddle, thanks to Equest.
Ryan says fundraisers and donations make all of these success stories possible. She says more families are dealing with lost jobs and rising medical costs and are requesting scholarships to attend Equest. Since the Center has a policy to not allow finances to prevent someone from riding, costs are tight.
The Equest Center helps about 150 riders per week and has a waiting list of about 100.
The Equest Center is always looking for donations and for volunteers. To learn more about Equest you can call (616) 866-3066 or click here for the Equest Center's website.


text:
Congrats on the guitar, that paint is crazy!
Congrats on the guitar, that paint is crazy!
Tried working on the bridge a bit tonight with the metal polish when I was changing strings. Still looks about the same except maybe a bit brighter. Apparently the chrome is just worn off. The guy that owned it must have had some pretty corrosive sweat. Here's a picture.
I could have sworn that was Nickel in the first pics! What the?
Thought I'd post a pic after I worked on the tailpiece with the Blue Magic. Took care of the majority of it before my arms gave out.
Love the sparkle green! I use Flitz metal polish with good results on tarnish/oxidization.


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Narrow your search
Sites and apps targeting minors will have to delete content on request, but the new law has limitations.
Don't try this with your backyard drone. The X-47B has made its first arrested landing on an aircraft carrier, and the world of unmanned aircraft may never be the same.
State senator proposes requiring state's public institutions of higher learning to award academic credit for faculty-approved online courses.
The social network's regional Northwest office went from two engineers to more than 90 in just a couple of years. Today it showed off its new space.
Elgato announces at CES 2012 the first Thunderbolt drive, the Elgato Thunderbolt SSD, which draws power from a Thunderbolt port to power itself.
A Google employee creates a tribute to co-founder Larry Page with the Google x Nike Dunk Low. The custom sneakers feature Google's colors, logo, and photos of Page on the tongue.
The company says that data collected on homes using automated thermostat software system show an average 17 percent reduction in energy use.
BMW ActiveE, BMW's first electric car, will begin field trial in summer 2011 in major metropolitan coastal areas.
Automotive News reports on electric vehicle range and architecture in new models.
The company has also enlisted iLike co-founder Hadi Partovi, who is based in Seattle, to help recruit a team of engineers.


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|Publication number
|Publication type
|Application number
|Publication date
|Dec 27, 2007
|Filing date
|Aug 8, 2007
|Priority date
|Sep 23, 2003
|Also published as
|Publication number
|Michael Clearly, David Clifton, Dean Ilijasic, David Cohen, Kristine Rodgers
|Original Assignee
|Clearly Michael J, Clifton David A, Dean Ilijasic, Cohen David C, Rodgers Kristine K
|Export Citation
|BiBTeX, EndNote, RefMan
|Referenced by (4), Classifications (13), Legal Events (2)
|External Links: USPTO, USPTO Assignment, Espacenet
The present invention generally relates generally to bank cards, such as debit cards, checking cards and ATM cards, and more particularly, to an inactive or dead bank card distributed in unsolicited fashion to potential customers.
As we move from a paper-based to a non paper-based economy, consumers now have a myriad of card-based options for purchasing goods and services and for accessing their financial accounts. There are conventional credit cards (general revolving credit accounts); co-branded credit cards (revolving credit accounts issued in the name of the issuing bank and a partner, such as a university, airlines, computer manufacturer, and so forth, often including incentives or rebates usable for partner discounts or rewards); private label cards (revolving credit accounts issued in the name of a private company and typically usable only at that company's stores, such as a Macy's or Hecht's card); stored value or gift cards (prefunded cards storing cash value, such as a Giant card or Starbuck's card, that must periodically be replenished); ATM cards (allow access to the accountholder's bank account by inserting the card into an ATM and entering a PIN number); and debit cards/check cards (allow access to the accountholder's savings/checking account to pay for goods/services at a point-of-sale [POS] device).
Debit cards/check cards generally fall into two categories, so-called "on-line" or PIN-based debit/check cards and so-called "off-line" or signature-based debit/check cards. PIN-based cards require entry of a correct PIN to consummate a purchase, and the transaction is typically run through a regional electronic funds transfer (EFT) network to approve the transaction and, later, settle the funds transfer. Examples of well-known existing EFT networks are STAR, NYCE, and Pulse. Signature-based cards are typically issued with a VISA/Mastercard (or other) card association logo/hologram, and transactions using such cards are run through the associated card network. Signature-based cards typically, although not always, will verify cardholder identity by checking the signature of the person presenting the card. Because the fees associated with running transactions through a national network like VISA/Mastercard are higher than those associated with regional EFT networks, some cards have both capabilities, and a merchant's POS system may provide for first attempting to run the transaction through the regional EFT before accessing a national network.
As described herein, ATM cards, debit cards, check cards, and stored value cards can be collectively referred to as "bank cards."
For a number of reasons, consumers tend to be much less willing to switch their bank accounts (or open new ones in addition to their existing bank accounts) than their credit accounts. Thus, while credit card issuers find an active market of consumers ready to switch their credit accounts and/or open up new credit accounts, savings/checking account issuing banks are finding it increasingly hard to sign up new bank account holders so as to maintain or increase the customer base.
What is needed is a system and method that makes it easier and more attractive to consumers to open new bank accounts.
An embodiment of the present invention comprises a method for distributing unsolicited bank cards to potential customers including identifying a pool of potential new bank account holders; determining if a person from the pool is an existing bank account holder; determining if the person is eligible to become a bank account holder if not presently a bank account holder; creating a dead bank card including embossed information and magnetic stripe information; and distributing the dead bank card to that person. The dead card is a bank card (e.g., an ATM card, checking card, debit card, or stored value card) not yet active, but which reflects and identifies a bank account (e.g., checking account, savings account, loan account, stored value account, or sponsor-funded stored value account) that will be activated upon customer acceptance of the offer for a new bank account.
According to a further aspect of the invention, evaluation of the potential new bank account holder may include determining whether the potential customer was the holder of a bank account that was previously closed with that bank. For such potential customers, the identification of a previously-closed account may affect whether the bank decides to distribute the dead bank card in the first place and/or whether that person receives a special incentive to induce him/her to resume banking with that bank.
According to a further aspect of the invention, the bank may "prebuild" the bank account associated with the dead bank card so that customer acceptance of the offer can result in relatively immediate activation of the account.
According to another embodiment of the invention, the distribution of the dead bank cards is undertaken in conjunction with distribution of live credit cards issued by the same bank. A customer application for a credit card is received and processed to determine an underwriting decision on the credit card. The customer is also evaluated to determine if he/she is an existing bank account customer of the bank. If the customer is an existing bank account customer, a live credit card is distributed to approved credit card applicants. If not an existing bank account customer, both a dead bank card and the live credit card are distributed to approved credit card applicants.
According to a further aspect of the invention, customers receiving a dead bank card and a live credit card may be incentivized to accept the offer for a new bank account through linkage between the credit card and the bank card through a rewards/rebate program.
According to another embodiment of the invention, the unsolicited dead bank card is a universal bank card that can be linked by a person to an existing bank account, including a bank account provided by a bank other than the bank distributing the universal bank card. The universal bank card includes embossed information and magnetic stripe information, including a universal account number that will be linked to an underlying, preexisting bank account.
Accordingly, it is one object of the present invention to overcome one or more of the aforementioned and other limitations of existing systems and methods for attracting new bank account customers.
It is another object of the invention to facilitate new bank account customers by providing a dead bank card that is inactive but otherwise fully reflects and represents a bank account associated with that card once the customer accepts the offer.
It is yet another object of the invention to facilitate new bank account customers by co-marketing unsolicited dead bank cards along with solicited credit cards for which a customer has submitted an application.
It is yet another object of the invention to facilitate new bank account customers by co-marketing unsolicited dead bank cards along with solicited credit cards by providing rebate/rewards program linkage between the bank card account and credit card account.
The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute part of this specification, illustrate several embodiments of the invention and, together with the description, serve to explain the principles of the invention. It will become apparent from the drawings and detailed description that other objects, advantages and benefits of the invention also exist.
Additional features and advantages of the invention will be set forth in the description that follows, and in part will be apparent from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the system and methods, particularly pointed out in the written description and claims hereof as well as the appended drawings.
The purpose and advantages of the present invention will be apparent to those of skill in the art from the following detailed description in conjunction with the appended drawings in which like reference characters are used to indicate like elements, and in which:
This application is related by subject matter to Brake, et al, U.S. Pat. No. 6,032,136, entitled "Customer Activated Multi-Value (CAM) Card," herein incorporated by reference in its entirety.
As referred to herein, "dead" bank cards refer to bank cards which are physically identical to a live bank card (i.e., are embossed or otherwise inscribed with the account holder's name, account number, and the like, and which include the appropriate magnetic stripe data), but which reflect a bank account that is not yet activated because the customer has not accepted the bank's offer for a new bank account. Therefore, such a bank card is in essence a dead card because the customer did not made an application, and at the time the bank card is distributed the customer has not yet responded positively (customer's acceptance) to the unsolicited overture (bank's offer). The dead bank card is capable of full functionality upon activation because it is distributed to the customer with all necessary information, including a bank account number assigned to that prospective customer before the card is sent.
It should be understood that while a number of actions disclosed herein are (for purposes of clarity) characterized as being carried out by the bank, those of ordinary skill in the art will appreciate that these actions can easily be carried out by the bank's agents, partners, contractors and the like, without departing from the spirit and scope of the present invention.
The method of
As reflected at 108, the customer typically will supply basic borrower information, such as name, social security number, address, phone numbers, income/asset/debt information, and the like. At a minimum, the customer should supply or confirm basic borrower information sufficient for the bank to access a credit report(s) for the customer, as reflected at 112. At 116, the credit card application is processed to provide an underwriting result, which may be an approval or a denial, as reflected at step 120. According to one implementation (not shown), a third interim result of "approval pending" may result if the applicant is borderline and/or further information is required before an approval or denial can be issued.
If the applicant is finally denied ("No" at 120), a denial result is communicated (e.g., by mail, phone, email, the Internet, etc.) to the applicant at 124.
If the applicant is approved for the credit card account, at step 128 it is optionally determined whether the customer is within the banking footprint, i.e., the area in which the bank offering the credit card also offers banking (checking/savings) services. This beneficial step ensures, for example, that a bank providing banking services only in California and New York will not be sending unsolicited dead bank cards to credit applicants residing in Alaska. Step 128 can be implemented such that the applicant must reside within the banking footprint (e.g., within California or New York in the example given) or must reside in a location proximate to the banking footprint (e.g., within California or New York or within 50 miles of either state).
Step 128 is optional to the invention. In some cases, for example, if the bank is a national bank and/or if the bank offers nationwide banking services via the Internet, step 128 need not be implemented.
If the credit applicant is not within the banking footprint ("No" at 128), the bank communicates only the approval of the credit application to the applicant, at 132, and only the live credit card will be sent to the applicant. Live credit card refers to a credit card for a credit account for which an application has been submitted and fully processed (i.e., an offer has been made by the applicant and the bank has accepted the offer). The card is either fully active, meaning that it can be used immediately, or simply requires a confirmatory call (i.e., phone call to an IVR or CSR, Internet access, email confirmation, regular mail confirmation, etc.) to activate the card.
If the credit applicant is determined to be within the banking footprint ("Yes" at 128), the customer is next evaluated to determine if he/she is an existing bank account holder with the issuing bank at 136. If the credit applicant is already an existing bank account holder ("Yes" at 136), the bank communicates only the credit card approval and sends only the live credit card to the customer, as described above.
If the credit applicant is not an existing bank account holder ("No" at 136), the bank communicates approval of the credit application, as well as an offer for a new bank account to the credit card applicant, at 140. At 144, the live credit card and the dead bank card are distributed to the customer. It should be noted that steps 140 and 144 can be performed through two communications (e.g., a first letter informing the customer of approval for the credit card and an offer for a new bank account, and a second letter with the live credit card and dead bank card) or a single communication (combining both of the aforementioned).
It should also be noted that, while not depicted
The steps disclosed in
At 214, it is determined if the credit applicant is a past bank account holder. This determination can be useful in two regards. First, the bank may wish to evaluate the reason the prior bank account was closed. For example, if the account was closed because the customer was continually bouncing checks or otherwise attempting to overdraw an account, or for other reasons indicating that the person was a poor customer, the bank may not wish to solicit that customer for a new bank account. In addition, or alternatively, the bank may wish to know whether the person is a prior bank account holder so that the dead bank card overture can be handled differently. For example, the overture communication to that person might reference the person's status as a prior bank account holder ("We noted that you were a past bank account holder with us. We really want you back!") and/or might include the offer of an incentive for the person to reestablish a bank account with the bank ("If you reopen a bank account with us we are prepared to make an initial $50 deposit into your account!" or "If you reopen a bank account with us we are prepared to credit your frequent flyer account with 10,000 free miles!"). (Of course, incentives like the aforementioned can be offered to persons who are not prior bank account holders, as well.) If there was a prior bank account ("Yes" at 214), the reason for closure of the prior account is determined at 218, which may include a review of the records from the closed account. If there was no prior bank account ("No" at 214) the method proceeds to 222.
At 222, the bank may "prebuild" the new bank account, meaning that some or all of the records at the bank may be set up in anticipation of the customer deciding to open the new account corresponding to the dead bank card. Thus, the bank may establish the new account number for the bank and prepopulate such data fields as the customer's name, social security number, and so forth. According to one embodiment, the bank may prebuild the new bank account to the point where it is fully ready for activation without any or substantial further data entry. The beneficial feature of 222 is in harmony with one of the goals of providing the customer a dead bank card, which is to essentially make an offer for a new bank account that is "ready to go." Thus, the customer has a physical bank card ready for use, the bank has already set up the records for the new account, and so forth.
At step 226, the dead bank card is prepared. For conventional cards having an embossing section on the front and magnetic stripe section on the bank, step 226 provides for embossing the front and writing (e.g., by magnetic encoding or otherwise as appropriate to the stripe) to the stripe on the back. Preferably, the card contains everything needed to be functional. The prospective bank account holder will not have to bring the card to a branch or other location to have it read, written, embossed, or otherwise modified. The dead bank card is ready for use once the account records at the bank are activated. Those of ordinary skill in the art will appreciate that step 226 can be carried out for variations of conventional cards, such as a card having an electronic memory instead of a magnetic stripe, a card employing writing techniques other than embossing, and so forth. So-called "smart cards" should be considered within the spirit and scope of the present invention.
At step 230, the live credit card and dead bank card are distributed to the customer. As discussed in
There is a further embodiment that can be implemented as a variation or enhancement to the method of distributing dead bank cards and live credit cards depicted in
At 314, the customer may be requested to provide further information for security purposes. This information may include a social security number, mother's maiden name, phone number, and/or other data items.
At 316-324, the customer may fund the account using one or more of several sources. At 316, the customer may fund the account with a customer-supplied source of funds, such as a preexisting credit card with the bank or with another bank, a bank card for an existing account with another bank, a check for an existing account with another bank, an EFT for another account, a wire transfer, or any other suitable means. At 320, the customer may fund the account with funds to be provided from the new credit account that the customer applied for. At 324, the customer may fund the account with an incentive deposit provided by the bank. For example, the dead card offering bank may offer to seed the account with an initial $50 deposit.
At 328, final approval for the new bank account is established, and at 332 the new account is activated. If the account was prebuilt, in essence no more is required. If the account was not prebuilt or was only partially prebuilt, the customer may be required to supply, and the bank may be required to enter, additional information prior to activation.
If the dead debit card is a PIN-type on-line card, or a combination signature-type/PIN-type card, the bank may provide, or the customer may request and the bank may confirm, a PIN number, password, or other security indicia at 336.
As referred to herein, rebate/rewards refers to any bank program for encouraging use of a card and/or maintenance of a card account by providing something of value to the accountholder, such as funds based on usage, funds based on longevity of the account, redeemable points or their equivalent (e.g., frequent flyer miles) based on usage and/or longevity, and the like. Such rebate/rewards can be provided by the bank for a bank branded card (i.e., no co-branded partner), by the bank for a co-branded card (e.g., frequent flyer miles for a Bank-Airlines co-branded card, car miles for a Bank-Rental Car Company co-branded card, hotel points for a Bank-Hotel co-branded card, shopping points/credits for a Bank-Supermarket co-branded card, and so forth), or as shared by the bank and a partner for a co-branded card. Of course, the co-brand partner could fund or underwrite the rebate/rewards in their entirety.
Additionally, the incentive levels or values can be varied according to the nature of the potential new bank account holder. For example, a first incentive can be provided to a customer who is not an existing bank account holder and who is not a past bank account holder, and a second incentive can be provided to a customer who is not an existing bank account holder and who is a past bank account holder, thereby providing different incentives to entirely new bank account customers and those who are past bank account customers.
Live credit card 602 may be a Bank brand card having a bank name indicia 606, credit account number 610, credit card account holder name 614, and interchange identifier/hologram 616. Credit card 602 is a live card that the individual has applied for and is a fully approved account in that all that is required is activation (e.g., a call to an 800# from the customer's home phone, email, regular mail, CSR, IVR, etc.); alternatively, credit card 602 may be a live card ready for use without further activation.
Dead bank card 618 may be a Bank brand card having bank name indicia 622, a bank card name 628 (e.g., Bank One Debit Card), bank card account number 626, and (prospective) bank card account holder name 630. Bank card 618 is a dead card that the individual has not applied for/requested and that physically contains all necessary information to be operative. It requires the customer to approve the new account (accept the offer) for the bank account to be officially opened. Preferably, dead bank card 618 is a card for an account that was not solicited by the customer or instigated by the customer. Rather, the dead bank card 618 relates to a separate card/account proposed by the bank as a result of the customer's application for a credit account. Alternatively, as discussed previously, the dead bank card 618 may relate to an upgraded bank card providing additional features beyond the standard card presently held by the individual.
The dead debit card 730 is similar to card 618 of
Therefore, the population of potential new bank card account holders may be identified in a fashion other than by examining credit card applicants. For example, rather than using credit card applications as the "trigger" for distributing dead bank cards, other trigger events could be employed. In particular, so-called "life event" triggers could be employed, such as one or more of the following: new movers (individuals who have just moved to a new address); marriage/divorce (individuals recently becoming married or divorced); death (death of a spouse or partner); birth (new child); new phones (opening of new phone accounts); and so forth.
Another trigger for identifying potential recipients of dead bank cards could be based on so-called "recency" consumers. It is a well-known phenomenon in the financial services industry that individuals who have recently opened up a new account or renewed an existing account are more likely to be receptive to an overture for another account or other financial product. Therefore, a trigger for identifying a pool of potential bank account holders could be based on consumers who have recently opened up a new credit card account, who have recently renewed their credit card account through a reissued card, or who have recently opened up or renewed some other type of financial services account. By way of example only, as discussed below for
Even more simply, the pool of potential new bank account holders could be identified based on existing credit card account holders (i.e., the pool is not limited to those who have recently opened up a new credit account or who have recently renewed their credit account through reissue).
Turning now to
Next, a person from the population may be checked so see whether he/she is of a certain age or within a certain age group at 810. For example, it may be a regulatory requirement or a policy not to make unsolicited bank account offers to persons under 18. Alternatively, or in addition, it may be desirable to target the campaign to persons in the age range of 25-45. If the person does not meet the age criteria ("No" at 810), the method proceeds to examine the next person from the population by returning to the input of 810.
If the person meets the age criteria ("Yes" at 810), the person is then examined to determine whether he/she is an existing bank account holder at 814. If the person is an existing bank account holder ("Yes" at 814), the method proceeds to examine the next person from the age population by returning to the input of 810.
If the person is not an existing bank account holder ("No" at 814), the method proceeds to 818 to determine whether the person was a previous bank account holder. If the person was a previous bank account holder ("Yes" at 818), the reason for the closure of the prior account is determined/evaluated at 822. If the reason is not acceptable at 822, the method returns to the next person at the input of 810.
Although not depicted in
If the reason is acceptable at 822, the method proceeds to 826. If determined that the person is not a previous bank account holder ("No" at 818), the method proceeds to 826.
At 826, the bank may acquire credit bureau information on the person. If regulatory restrictions prohibit such unsolicited credit checks, this step may be skipped and undertaken when the prospective bank account customer responds to the dead bank card overture.
At 830, it is determined whether the person is preliminarily approved or eligible for a bank account. If not ("No" at 830), the next person is evaluated as the method returns to the input at 810. If approved/eligible ("Yes" at 830), the bank may prebuild the bank account at 834, as previously described.
Next, at 838 the bank may generate (e.g., emboss and write) the dead bank card. At 842, the dead bank card is distributed to the prospective bank account holder.
As described in conjunction with previous figures, the dead bank card of
According to yet another variation of the dead card invention, the offering bank could distribute dead cards in the form of inactive universal bank cards (referred to herein as a "Universal Bank Card") that are not yet associated with an underlying bank account number. Rather, these cards can be associated with an existing bank account number of the customer, including a bank account number for a bank other than the bank distributing the Universal Bank Card (hereinafter, the "offering bank" or "sponsoring bank"). The Universal Bank Card could be offered with an incentive program such that usage of the card would result in points or rebates as previously described. The person receiving the Universal Bank Card would simply activate the card by contacting (as previously described) the offering bank and associating or linking the card with an existing bank account.
Accordingly, the Universal Bank Card could be distributed in conjunction with a live credit card as discussed above for
The Universal Bank Card could provide a reward/rebate feature tied to bank card usage, longevity, and the like, as reflected in
A Universal Bank Card implemented with a rewards feature allows a consumer to associate an existing bank account with the universal bank account in order to get reward value otherwise not available. This reward value can in whole or in part be effectively funded through the transaction fee revenue generated for the sponsoring bank. For example, if the Universal Bank Card is implemented as an off-line signature-based card, transactions (e.g., at a merchant POS) will be routed through a national interchange such as the VISA� or MasterCard� interchange to the sponsoring bank holding the universal bank account (instead of the bank holding the linked bank account). As such, the sponsoring bank (instead of the bank holding the underlying bank account) will receive transaction revenue for each purchase. This revenue provides a mechanism for the sponsoring bank to effectively share profits with the universal account holders through rebate programs or similar programs.
Therefore, transactions using the Universal Bank Card will be routed to the sponsoring bank, which will approve or decline them. In so doing, the sponsoring bank may contact the bank holding the linked bank account (hereinafter, the "linked bank") at that time or at a later time. Preferably, the sponsoring bank will issue relatively immediate approvals, and will contact the linked bank at a later time to settle the transactions. For example, the sponsoring bank may initiate ACH transactions transferring funds from the linked bank to the sponsoring bank. Alternatively, the sponsoring bank may hold a certain volume ("stock") of funds (e.g., $500) acquired from the underlying bank account so that such funds are always available for transactions using the Universal Bank Card. Periodically, the stock will need to be replenished by ACH transfer, EFT transfer, or other transfer from the underlying bank account.
In implementing the Universal Bank Card, the sponsoring bank may set certain rules for approving transactions using the card. Just by way of example, there might be a limit of $200/transaction and no more than 5 transactions/day.
The Universal Bank Card could be distributed along with a live credit card as reflected in
The Universal Bank Card could be distributed without reference to a credit card as discussed with reference to
The linking of the universal bank account number to the existing bank account number may be implemented at a processing center maintained by the sponsoring bank or its agents, which center may include one or more computers, servers, and databases for carrying the method into effect. Note also that such computers, servers, and databases may also be employed for carrying the methods of
As described above, the Universal Bank Account card can be considered a dead card within the scope of the present invention because it is an unsolicited card representing an offer from the sponsoring bank which the customer can accept by contacting the sponsoring bank and providing an existing bank account to be linked.
Other embodiments and uses of this invention will be apparent to those having ordinary skill in the art upon consideration of the specification and practice of the invention disclosed herein. The specification and examples given should be considered exemplary only, and it is contemplated that the appended claims will cover any other such embodiments or modifications as fall within the true scope of the invention.
|Citing Patent
|Filing date
|Publication date
|Dec 26, 2006
|Aug 3, 2010
|Ready Credit Corporation
|Issuing a value-bearing card associated with only non-personally identifying information
|Nov 7, 2008
|Jul 1, 2014
|Anthony Jeremiah Bayne
|System and method for providing transactional credit
|Jul 13, 2010
|Nov 25, 2014
|Ready Credit Corporation
|Issuing a value-bearing card associated with only non-personally identifying information
|Jan 7, 2010
|Anthony Jeremiah Bayne
|System and method for providing transactional credit
|U.S. Classification
|International Classification
|Cooperative Classification
|European Classification
|Aug 5, 2009
Owner name: JPMORGAN CHASE BANK, N.A.,NEW YORK
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Effective date: 20060802
Owner name: CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION,OHI
Free format text: MERGER;ASSIGNOR:BANK ONE, DELAWARE, NATIONAL ASSOCIATION;REEL/FRAME:023057/0455
Effective date: 20041001
|Aug 12, 2009
Owner name: BANK ONE, DELAWARE, NATIONAL ASSOCIATION, DELAWARE
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:CLEARY, MICHAEL J;CLIFTON, DAVID A;ILIJASIC, DEAN;AND OTHERS;REEL/FRAME:023090/0460;SIGNING DATES FROM 20031027 TO 20031118
Owner name: BANK ONE, DELAWARE, NATIONAL ASSOCIATION, DELAWARE
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:CLEARY, MICHAEL J;CLIFTON, DAVID A;ILIJASIC, DEAN;AND OTHERS;SIGNING DATES FROM 20031027 TO 20031118;REEL/FRAME:023090/0460


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A rare breed, or so I am told when I get the "look" after people ask, so where are you from, and I say New York. I am indeed a born AND bred Manhattanite.Until university at NYU,a product of some of the best public schools in NYC .
I'm a licensed real estate professional in New York ,at Engel & Völkers NYC in Manhattan. Almost like a cat,I have had many lives,grew up seriously studying classical music (classically trained pianist and clarinetist-proud alum of the "FAME" school)…techno geek (academia came calling,and I studied computer science,philosophy ,economics and statistics,worked in various roles in the technology and financial services worlds,from rise of the dot comes to the bust and back.
Fitness and yoga nut-to soothe all the stress and keep a positive and healthy outlook, and simply because I enjoy sports and physical activity, whether it's the gym, the yoga studio, the park or the tennis courts. Always seeking intellectual challenges, love of language and literature (and okay, I admit it Bridge too).
Lover of all things art related-and what better place to be than NYC,fabulous museums and cultural institutions, and easy access to get to an airport and hop on a plane-to ANYWHERE which brings me to travel (one of my life goals is to make it to all seven continents want to guess how many I have left ?),interesting people, learning new languages, great food,wine,animals and almost all kinds music.
Over time you'll see some of my many passions, and some of my interesting quirks, and notice that I do have slight to moderate geeky tendencies-BUT all of these things make me who I am-being a real estate professional IS one of my passions, but it's not the ONLY part of me, many facets.
Hopefully we'll get to know each other and form relationships ! I love commentary,debate,constructive criticism and feedback-so PLEASE, keep it coming-and come on back-you might just see I took your advice ! Living life, evolving and growing.Let us connect,re-connect,in some cases, so that we may engage,build and nurture our relationship.
Cheers ! Nikki
OH PS-some legal stuff and disclosure.YES,I am a licensed real estate professional in New York,associated with the afore mentioned firm.This blog is solely and exclusively my opinion and not that of anyone else.It is intended to add an additional dimension,so that my personality and specifically my approach to real estate are illustrated. Additionally, amongst many of the things that will be discussed here pertaining to real estate-this is not to be construed as financial or legal advice.If you need tax advice,consult an accountant.If you need legal advice,consult an attorney.If you need a recommendation to an attorney,accountant or mortgage/financing professional-please feel free to ask and I will send you a few suggestions.Should you chose to subscribe your information will NOT be shared with anyone else .If at any time you wish to receive fewer messages, would prefer it in another format-or not at all-send me an email,call me,and we will get it all take care of to your satisfaction.


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45 Hour FLASH Giveaway: Win Free Registration to SCGS 2014 Jamboree
In honor of the 45th Annual Southern California Genealogical Society Jamboree, The Family Curator is hosting a 45 Hour FLASH Contest to give away a FREE 3-Day Registration to the 2014 Genealogy Jamboree in Burbank, California June 6-8, 2014.
Read on to learn how you can win!
2013 SCGS Jamboree Bloggers' Summit with Thomas MacEntee,
Paula Stuart-Warren, Judy G. Russell, Denise Levenick, and CeCe Moore
It's no secret that I'm a big fan of the SCGS Jamboree. And no secret, too, that SCGS Jamboree loves Bloggers. This year all bloggers and social media users attending Jamboree were invited to be "Honorary Bloggers" to help promote this fabulous annual event, and one lucky participant was selected at random to receive a FREE three-day Jamboree Registration.
And I WON. Which means, one lucky reader of The Family Curator will win! As a Jamboree Speaker my conference registration is complimentary, so I am giving away the FREE 3-Day Registration to Jamboree in a 45 Hour Flash Contest.
And, if you don't win . . . Early-bird Registration for Jamboree is open through April 30, 2014, so you can still take advantage of the special discount and save your cash to spend in the exhibit hall! On May 1, Preregistration rates will go into effect; after May 24, all tickets will be $195 for the three day registration.
One Family Curator reader's name will be chosen at random to receive this free three-day registration to Jamboree. To enter:
Leave a comment to this post naming your favorite inherited item OR the one item you wish you'd inherited from an ancestor. Please include your email to be notified if you win.
On Wednesday, 20 30 April, 2014 at 9 a.m. Pacific Time one name will be randomly selected from the readers leaving comments, and announced at The Family Curator Blog. YOU could be the lucky winner!
CORRECTION: Thanks to sharp-eyed reader Susan Kitchens for the date correction! The winning name will be selected 45 Hours after this article was posted -- Wed. 30 April, 2014 at 9am.
©2007-2015, Denise Levenick, The Family Curator. www.thefamilycurator.com. All rights reserved.
Articles on this website may use affiliate links. See my Disclosure Policy under About for more info.


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Dr. Henry Connor, Professor of Chemistry email@example.com (270) 852-3166 Yu Hak Hahn #220
EducationPh.D., Physical Chemistry, Cornell UniversityB.S., Chemistry, Duke UniversityCourses TaughtGeneral ChemistryConcepts in ChemistryAnalytical ChemistryInstrumental AnalysisPhysical Chemistry LabChemistry Independent StudyConcepts in Physical ScienceEnvironmental ScienceResearch InterestsUse of electron paramagnetic resonance to identify free radical processes in biological system.Gas-liquid phase and high performance liquid chromatographic studies of environmental pollutants.Evaluation of herbicide loading in regional watershedsRecent Publications Rehman, H., Connor, H.D., Ramshesh, V.K., Theruvath, T.P., Mason, R.P., Zhong, Z. Ischemic preconditioning prevents free radical production and mitochondrial depolarization in small-for-size liver transplantation. Transplantation, 85(9), pp. 1322-31, 2008 Connor, H, Sturgeon, BE, Mottley, C, Sipe, HJ,Jr and Mason, R. L-Tryptophan Radical Cation Electron Spin Resonance Studies: Connecting Solution-derived Hyperfine Coupling constants with Protein Spectral Interpretations. J Am Chem Soc: 130(20), pp. 6381-7,2008 Woods, C.G., Burns, A.M., Maki, A., Bradford, B.U., Cunningham, M.L., Connor, H.D., Kadiiska, M.B., Mason, R.P., Peters, J.M., Rusyn, I. Sustained formation of a-(4-pyridyl-l-oxide)-N-tert-butylnitrone radical adducts in mouse liver by peroxisome proliferators is dependent upon peroxisome proliferator-activated receptor-a, but not NADPH oxidase. Free Radical Biology and Medicine, 42 (3), pp. 335-342, 2007.Recent Invited Seminars * June, 2006. L-Tryptophan Radical Cation Electron Resonance Studies. Institute Jozef Stefan, Ljubljana, Slovenia * September 19, 2004. Electron Paramagnetic Resonance Spin Trapping Studies of Cyclosporin A Nephrotoxicity, Ninth International Conference on Life Sciences of Slovenia, Nova Gorica, Slovenia. * October 11, 2002. Spin Trapping of Free Radicals in Biological Systems. Department of Chemistry, University of Memphis, Memphis, Tennessee * March 26, 2002. Studies of Antioxidant Effects on Free Radical Formation in Living Systems * Indiana-Kentucky Border Section of the American Chemical Society, Evansville, Indiana * March 3, 2001. Contributions of Spin Trapping to Studies of Reperfusion Injury, Institute Jozef Stefan, Ljubljana, Slovenia.Public Service * Public Interest Advisory Committee, Ohio River Valley Water Sanitation CommissionCollege Service (recent) * Faculty Status Committee * Southern Association of Colleges and Schools KWC Self Study for accreditation renewal. Chair, Steering Committee and Institutional Effectiveness Committee.SocietiesAmerican Chemical SocietySociety of Sigma XiHonors Phi Lambda Upsilon Honorary Chemical Society


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- Womens Sports
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#3 Cornerstone University 121 UM-Dearborn 65
Grand Rapids, Mich.
Cornerstone - Kelvin DeVries (24 points)
UM-Dearborn - Myke White (22 points)
Cornerstone - Anthony Allen (7 rebounds)
UM-Dearborn - Myke White (9 rebounds)
Cornerstone- Dominic Allen, Wes Hudson (5 assists)
UM-Dearborn - Myke White, Jordan Redditt (4 assists)
The Golden Eagles out rebounded the Wolves 53-32 in the game and shot 62.3% while limiting UM-Dearborn to just 33.8% from the field.
The Golden Eagles trailed the Wolves for the first 3:06 of the game but then they turned it on after Bryan Paciak tied the score at 9-9. The Golden Eagles made an 18-2 run over the next 4 ½ minutes to blow open the game and UM-Dearborn never responded. Cornerstone kept extending the lead throughout the remainder of the half. The Golden Eagles biggest lead was 56-28 (28 points) with 2:30 remaining in the half. Cornerstone finished the half up 59-33. The Golden Eagles quickly pushed the lead to 30 points early in the second half and then maintained that margin of lead through the first 10 minutes of play in the second half. Bryan Pasciak hit a 2-pointer with 8:43 on the clock to push the lead to 41 (94-53). The Golden Eagles had most of the starters out for the remainder of time but they continued to extend the lead and finished with a 121-65 victory.
The Golden Eagles will return to action on Wednesday, Feb. 12th at 7:30 when they travel down to Adrian to take on Siena Heights.


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October 9, 2015
NEW YORK (AP) - New Kids On the Block, 98 Degrees and Boyz II Men are teaming up for a summer tour.
The groups announced "The Package Tour" on Tuesday morning on "The View" and also performed. It's the first time on tour in 12 years for 98 Degrees.
New Kids On the Block also announced a new single, "Remix (I Like The)," will be released Jan. 28 and a new album, "10," is out April 2.
The three bands sold millions of records in the 1980s and '90s and helped usher in a wave of vocal groups that continues today.
The tour starts May 31 in Uncasville, Conn., and continues into July with more than 30 dates.
Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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La-La Land to release 15-disc original series score set
View Single Post
January 9 2013, 02:09 AM
Dalen Quaice
Lieutenant Commander
Re: La-La Land to release 15-disc original series score set
ssosmcin wrote:
If you want an example of a straightforward TV series music archive, check out the Network CDs of The Prisoner. Uttlerly unlistenable without major home editing.
I feel about this TOS set the way you felt about The Prisoner set (I don't have that set). I have the Dark Shadows set, which I quite love. It is complete and really has every cue for all 1225 episodes. I haven't noticed any problems with editing on that set. It came out a few years back, but it is still available from MPI.
I actually wonder if my discs are defective?
Can anybody else hear any glitches and abnormal volume level changes during some of the edits on this set? Well I find that mega-annoying to the point of having to go in and fix problems on the tracks. On a box set this expensive, I was expecting to be able to listen to the music off the discs without having to mess with it. It seems impossible for me, and this is a disappointment. I really don't have time to mess around with this, yet I've wanted a box set like this for such a long time.
I'm glad that everyone is happy with the set; and although you may think I'm just trying to pick it apart to find fault, I am not.
Dalen Quaice
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About Me
Daren Chong, Malaysia Wedding Photographer, describes himself as being a true photojournalist whose passion for creative wedding photography is unparalleled. Armed with strong technical expertise and a distinct photography style, Daren knows precisely when to capture those special moments, hence resulting in timeless images that unveil the powerful emotions between the loving couple. Every expression, every smile, and every loving gaze shared is real and expressed from the depths of their hearts.
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Daren believes in undertaking every wedding assignment personally. To stay ahead of the game, Daren draws inspiration from the couples themselves and taps their emotions and energy to fuel his creative juices while keeping a special eye for the moment.


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Two J-10 fighter jet from the People's Liberation Army Air Force August 1st AerobaticsTeam fly past each other during a flight demonstration at the Boeing booth on the first day of the China International Aviation & Aerospace Exhibition in the southern Chinese city of Zhuhai, November 13, 2012. (REUTERS)
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Reach-in with Style!
Reach-in with Style!
The majority of closets in any home are reach-in closets. They can be awkward, small spaces and are often ignored by home owners as not worth the time to organize. In reality these are the spaces that most need a California Closet. When space is at a premium you need a solution that will truly maximize your space. We utilize as much of every reach-in closet that we can - all while still allowing you to access your top shelf. We can install our closets all the way to the floor to allow for a more furniture or built-in look, or we can install them off the ground to allow for useful storage at that level.
In most cases I can almost double the current amount of storage you have in your reach-in closets! Think of how much more organized you can be! And with our complete customization your closet can be arrange so it can fit all of your unique items. Whether it's clothing, Christmas decorations, or odds and ends we'll find space for it in your new custom California Closet.


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Gwyneth Paltrow named World's Most Beautiful Woman by People
Hollywood's most hated celebrity is also the most beautiful woman in the world, which, when you think about it sort of makes sense. People magazine gave Gwyneth Paltrow — the golden-haired descendant of rabbis — the title in this month's issue. She graces the cover and inside talks about how at home she's just a… More ▸


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5 Reasons Men Cheat
Are you missing the signs?
January 23, 2013 - 7:00 am
Cheating always seems like such a black-and-white issue, doesn't it? Of course, in one sense, it is. You cheated? Then you're the bad guy (or girl) and your partner has every right to be upset, angry, hurt, and to never forgive you.
All true.
However, if you know a few people who cheat, you start to find out it's not always so simple. That doesn't mean the cheater's justified, but it does mean he may have reasons for what he's doing that go beyond not being able to keep it in his pants for more than five minutes at a time. The truth that no one likes to hear, especially after a person has been two-timed, is that happy, intellectually stimulated, sexually satisfied people who are deeply in love aren't the ones who are playing around. Again, that doesn't mean it's okay or that the one who was cheated on is at fault, but cheating usually doesn't happen in a vacuum.
If you know a lot of men (and women), what you'll find is that there are a lot of common themes that come up.
1) He's morally okay with cheating on his partner
Not everybody who cheats will cheat again, but on the other hand, the first question you should ask about whether someone will be faithful is, "Has he cheated before?" If it wasn't so sad, it would be funny how many women have an affair with a married man and then are shocked when he later does the same thing to them. It's not as if you have to give women hints and signs about what they need to look out for because they already know; it's just that they believe it won't happen to them, too.


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What A Difference The Right Facial Cleansing From Love Renaissance Makes


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Do you know that your body is harboring toxins in the colon polluting body organs and impacting overall body functions? An average person may carry several pounds of harmful toxins and fecal matters and other wastes within the intestinal tract and colon wall! Further, these residual toxins may cause many health problems. But you can protect your body easily from these threats if use Natural Colon Cleanse Elite.
Learn more…
An Introduction
This is an all natural body cleansing formula. Made with powerful compounds, this colon cleansing dietary supplement helps detoxify your body from harmful wastes, toxins, undigested food particles, poisonous gas and other accumulated fecal matter sitting in the colon causing several stomach problems including colon cancer. If you use Natural Colon Cleanse Elite, your body will be detoxified and you'll get rid of all these stomach issues.
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The colon cleansing formula contains some potent and natural fibers and antioxidants. They work great towards getting the detoxification done properly.
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Are there any Side Effects?
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Use Natural Colon Cleanse Elite, if you Feel…
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This formula is not recommended to people under 18, women who are pregnant or nursing and people with serious health issues. Also, if you're taking any medicine, contact your doctor.
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You can easily make purchase of Natural Colon Cleanse Elite from the official website. Try the supplement now and be healthy!


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Real Estate Management and Development
Company Overview of The Irvine Company LLC
Executive Profile
Donald L. Bren
Chairman, The Irvine Company LLC
|Total Calculated Compensation
|This person is connected to 5 Board Members in 5 different organizations across 3 different industries.
See Board Relationships
Mr. Donald L. Bren served as President of The Irvine Company LLC. Mr. Bren served as President and Chief Executive Officer of Irvine Apartment Communities, Inc. and Irvine Apartment Communities, LP from February 1997 to July 1997. For more than 40 years, Mr. Bren, has been deeply involved in California real estate as a Master Planner, Master Builder and a long-term investor. Mr. Bren began his business career in 1958 by founding the Bren Company. In 1963, he formed the ...
Corporate Headquarters
550 Newport Center DrivePhone: 949-720-2000
Newport Beach, California 92660
United States
Fax: 949-720-2218
Board Members Memberships
Chairman Of The Board
Bachelor's Degree
University Of Washington's Business School
Other Affiliations
Annual CompensationThere is no Annual Compensation data available.
Stocks OptionsThere is no Stock Options data available.
Total CompensationThere is no Total Compensation data available.
|There is no Competitor Compensation data available.
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Apple wins patent on multi-function inductive charging pad
updated 10:10 am EST, Tue February 4, 2014
Could change use based on devices' orientations
The US Patent and Trademark Office has awarded Apple a patent on an inductive charging pad that would also change functions based on how mobile devices are aligned on it. The pad, described as a "smart dock," would feature its own processor and power supply, and multiple I/O connections. Making it unique though would be the sensors determining how objects are aligned.
If a person placed a device face-down, for example, the dock might limit itself to charging. Keeping a device face-up would allow both data sync and charging; the patent mentions that the dock could include its own means of shuttling data between a mobile device and a computer, whether via wired or wireless connections.
An unusual aspect of the patent is the suggestion that a charging pad could be built into something like a laptop, something that hasn't been attempted before. In any case Apple suggests a design with enough space to charge multiple devices simultaneously, or even sync data between them. The latter could be triggered by orienting devices the right way. When syncing with a computer, device position could be used to decide which app opens up, such as iPhoto or iTunes.
Apple first applied for the patent in 2011. Wireless charging has been slow to take off, but began gathering momentum in 2013 with the launch of more phones with support built in, such as the Nexus 5 and some Nokia models. The Apple iPhone only supports wireless charging via third-party cases.


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Mayad Studios
Our company ventured into the wedding industry about eight years ago. With passion, diligence and a lot of enthusiasm, we have managed to deliver videos that fully depict our creativity, innovative style and artistic diversity.
We are international wedding videographers who specialize in destination weddings. We shoot celebrities and won some major awards from the Wedding and Event Videographers Association International. At the same time, we have had the privilege of being invited as speakers in various workshops out of the country such as WEVA and Exposed Down Under.


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Tampa, Florida -- Transit systems all over the country are offering free bus rides. It's all part of "Dump the Pump" day. You simply exchange a receipt dated May 1 or after for a free bus pass for the day.
Gas prices usually go down this time of the year but instead they are going up, a sign you should dump the pump and get on a bus. Not only will you be helping the environment but by getting on the bus you are also boosting the local economy.
National "Dump the Pump" day is a way for bus systems to encourage riders to use public transportation more often.
HART's free bus pass Thursday is an incentive to try it out.
"They don't have to deal with the traffic and it's environmentally friendly so there's an option for them and HART is that option," said HART spokesperson Sandra Morrison.
Transit systems all over the country are offering free bus rides. WTSP
Patrick Davis is one of thousands who decided to ride the bus today. Davis admitted that it helps the environment and saves him money.
"You can take that money and use it on a family vacation, you can take the wife and kids out," said Davis.
Tampa City Councilman Mike Suarez normally drives to work, but opted to ride the bus today.
"Public transit in most cities, and in some ways in our city, is a great alternative to driving your vehicle," said Suarez.
Suarez explained that each bus stop must be within a quarter of a mile to a half of a mile apart making it convenient for people like Patrick Davis to save money when he decides to catch the bus.
The cost of crude oil accounts for 65% of the price of gasoline at the pump.
Gas prices are rising mainly because energy traders are worried about the potential loss of production from Iraq's southern oil fields. Only 4% of our oil comes from Iraq but the $163 million a week spent by U.S. consumers on gas is money that could instead go to back businesses to help move the economy forward.
The one day pass is your chance to help do that.
For more info on the bus systems participating in today's dump the pump day, click on the links below:


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The "Friday Night Lights" bestseller describes "Father's Day," out next week, as a "love letter to my son."
"A love letter to my son."
"Who am I talking about?"
"About me."
"About you."
"Do you know how much I love you?"
"A lot."
Buzz Bissinger will read from and discuss Father's Day at the Central Library branch of the Free Library of Philadelphia on Wed., May 16, at 7:30pm. Admission is free.
"Buzz is familiar to me as a community guy who generously helped us with our book festival in its first year. He is friendly and open. His presentation about this book while he was still in the process of writing it was tender and moving. I am eager to read it. He is a gifted writer and a remarkable father."
"I know Buzz. I worked with him at the Inquirer back in the 20th century. He is an honest man, a great writer, and a good father. Trifecta. Read him at any cost; it'll be good for your soul. Take it from me. I know. Trust me. You can look me up. Yours, Tim Weiner."
"Tara put together a wonderful story about a loving father, an author whose books and articles I enjoy. Buzz's ability to get the truth down on a page is amazing."
"What will be great about the release of this book is not that it will let people get to know Buzz better, not that there's anything wrong with that, but because it'll let them get to know Zach, a truly wonderful person. And if you think Buzz is passionate on the subject of sports, get him talking about journalism and the ethics of non-fiction writing. I have never had a conversation with him on that topic that didn't end up stiffening my own spine."
"Buzz is one of those people who create a great conflict inside me. He oscillates between ireedemable jerk and insightful writer whose work fascinates me. I'm about halfway through the book and it's riveting to explore the conflict within Buzz about whether he wants his son to be more "normal" versus appreciating the small joys in how he is now."
"Have loved Buzz's stuff for years. This newest book is both heartwarming and heartwrenching. The story just seems to flow from his heart and soul."
Neighborhood Fall Fest Survival Guide
This month, Philly walks to battle breast cancer
Dear Pope Francis: Letters from Philly to you
Philly Weekly's Fall Guide 2015
Wedding dogs: Because of course
Will the Fringe Festival again be "the most amazingly transcendent stage performance ever?"
Get your body painted free at the Philly Naked Bike Ride
Five places to experience the artsy side of Philly nightlife


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OUT of BOUNDS: Are figures like Dana White and Joe Rogan out of line for talking about certain fighters and when they need to retire?
Both Dana and Joe are both very passionate and opinionated guys. Some of the MMA community like hearing their take on controversial subjects and some people just think they're loudmouths. We're all part of a sport that is often riddled with controversies; Controversial decisions, fights being cancelled, and fighter choices outside of the cage are all hot topics, and we all have our opinions. While Dana is the president of the UFC and Joe is a commentator, they're fans just like the rest of us and sometimes we forget that. They have every right to sound off on controversial topics just like the rest of us.
That being said, sometimes it does go overboard. Dana often uses colorful language when he's mad and some people think it's unprofessional. Do I think Dana and Joe should give their opinions on controversial topics? Yes I do. Do I think they have the right to criticize fighters? Yes I do. – Evan Stoumbelis
GRAND FINALE: GSP has gone out on top and is the best champion in UFC history after relinquishing the belt.
Tags: Bamma, Carlos Condit, Dana White, georges st. pierre, GOAT, gsp, Joe Rogan, MMA NEWS, PAUL DALEY, robbie lawler, Ronda Rousey, ufc news, Welterweight


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At a Glance
|Deck 3, Midship
|Restaurant Type:
|Main Dining
|American and French
|Meal Type:
|Breakfast and Lunch and Dinner
Triton's on the Disney Wonder is an approximate 462-seat, Main Dining restaurant located on Deck 3, Midship that serves classic American fare for breakfast and lunch, and continental cuisine with a French flair for dinner. Inspired by Disney's animated classic film, The Little Mermaid, Triton's takes its name after Ariel's father, King Triton.
Make your way past an elegant bronze statue of Ariel as you journey inside a grand ballroom that recalls a classic transatlantic ocean liner bedecked in a dazzling Art Deco theme. Brimming with ornate chandeliers, stained glass walls and a sweeping mural of Ariel and her father that harkens back to the movie's "under the sea" theme, Triton's serves up an atmosphere that Guests of all ages are sure to admire.
Dinner is primarily served between 5:30 p.m. and 6:00 p.m. (Main Seating) and 8:00 p.m. and 8:30 p.m. (Second Seating), and is part of the reserved Rotational Dining that occurs nightly during your cruise. Check the dining tickets that can be found in your stateroom for assigned seating time, restaurant schedule and table number.
Offering a mouth-watering 4-course affair, Triton's serves a varied selection of tantalizing American and French favorites with a contemporary twist.
Although subject to change, menu items may include:
- Appetizers/Soups & Salads:
- Duck Confit
- "Chef Louis" French Onion Soup
- Avocado - Citrus Salad
- Main Courses:
- Slowly Braised Lamb Shank
- Three-Cheese Lobster Macaroni
- Porcini Mushroom-Stuffed Pasta in a Vegetable Broth
- Grilled Beef Tenderloin
Dress Code
The dress code for dinner changes nightly. Check the Personal Navigator—the Disney Cruise Line daily newsletter detailing all there is to see and do—for more information while onboard. However, in keeping with the elegant theme, you are requested to not wear tank tops or swim wear whilst dining in Triton's for dinner.
Lunch is served from approximately 11:30 a.m. through 1:30 p.m. on select dates. Check the Personal Navigator—the Disney Cruise Line daily newsletter detailing all there is to see and do—for specific dates and times of activities while onboard.
Set amid a relaxed setting, Triton's boasts a mouth-watering 3-course lunch for Guests choosing to remain on the ship or forgo the buffets. Similar to dinner, the cuisine is French- and American-inspired.
Although subject to change, lunchtime menu items may include:
- Appetizers/Soups & Salads:
- Spinach and Parsley Soup
- Traditional Caesar Salad
- Main Courses:
- Herb-crusted North Atlantic White
- Grilled Chicken Breast with Rosemary Potatoes
- Honey-glazed Barbeque Pork Ribs
Triton's also boasts a full wine list, specialty drinks like Mimosas and Margaritas and delicious ice-cream blended smoothies.
Open seating is available during lunch, meaning you and your family are invited to dine at any table you choose.
Breakfast is served from approximately 8:30 a.m. through 9:30 a.m. on selected dates. Check the Personal Navigator—the Disney Cruise Line daily newsletter detailing all there is to see and do—for specific dates and times of activities while onboard.
Although subject to change, breakfast menu items might include:
- Lighter Fare:
- Hot Oatmeal
- Fresh Fruit
- Crepes
- Main Courses:
- French Toast
- Omelettes
- Oven-roasted Potatoes
- Scrambled Eggs
Specialty drinks like cappuccino, espresso and café latte only make the morning brighter.
Vegetarian delights include hot and cold cereal, fresh fruit, baked goods, pancakes, waffles and toast.
Child's Menu
For the most discerning child's palate, Triton's is proud to offer a large selection of classic children's food favorites.
The following beverages are available at Triton's for an additional charge plus gratuity:
- Bar drinks
- Bottled Water
- After Dinner Liqueurs
- Cognacs
- Eaux de Vie
- Dessert Wines
- Port
The following beverages are complimentary at Triton's and require no additional charge:
- Coffee
- Soda
- Fruit Juice
- Milk
- Tea (Iced/Hot)
Dining Just for You
Explore Disney Cruise Line dining options and find the one that's right for you.
Fun Facts & Tips
The songs from The Little Mermaid were written by Alan Menken and Howard Ashman, who also wrote the songs for Beauty and the Beast and Aladdin for Disney.
Disney Cruise Line was the first cruise line to implement an innovative rotation dining concept, featuring three themed restaurants, where Guests rotate to a different restaurant each evening, all the while keeping their same servers and tablemates.


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Watch As Experts Rave About 'Organic Food' That's Really Just McDonald's
Pranksters strike again!
Pranksters strike again!
The megachain's profits take a dive while Chipotle just keeps on killing it.
The burgers all look pretty horrible to begin with; at least the month-old ones have penicillin.
It was a total "surprise" when he took the lid off.
There is also a white chicken sandwich.
Free samples, $1 cups, and buy-one-get-one deals galore.
Bring on the McMimosas.
Less than one percent of kids' meal combinations met recommended government nutrition standards, according to a recent study.
Debra Harrell is suing the station.
"I really didn't have an appetite at that point, so I said I rather have my money back."
There are a few catches.
The incident occurred in February of 2012.
A federal agency has ruled the company shares responsibility for labor violations.
A spokesperson says it has "nothing to do with politics."
Four-packs of fried tofu, shinjo, and veggies.
"We are so sorry that we only have these choices for you."
The fast food violates "technological norms."
The country is already wary about food safety in the wake of tainted meat and melamine scandals.
It's not either company's first food scare in China recently.
And for the first time, the NLRB may hold corporate responsible.


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Man booked in Algiers murder of 15-year-old boy
April 25th, 2012
New Orleans police have arrested a suspect in the murder of a 15-year-old boy in Algiers earlier this month. Kendal Marcelin, 18, is currently being held in Orleans Parish Prison.
Featured News
Humid Beings editors look at local media and blogs to find the local news that seems to resonate.
Recent People View All
Recent Topics View All
Treme' 200 Bicentennial Celebration
New Orleans Bookfair & Media Expo


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2012 FCI Agility World Championship, plus Can The Non-Professional Win?
Dan Sayers
Editor in Chief
One of the complaints I frequently hear from exhibitors is that the amateur owner-handler doesn't have a chance in the ring against the professionals. I used to feel the same way. However, during my first couple of years in the sport I got some advice from the legendary handler, now judge, Robert Forsyth. After I whined about my 25-show losing streak, he told me, "Billy, bring a mediocre dog into the ring and I will beat you every time. Bring a really good dog and you will win your fair share." more
The 12 teams chosen to represent the United States at the 2012 FCI Agility World Championship returned from Liberec, Czech Republic, earlier this month with a gold medal in Large Dog Team Jumping, a bronze in Small Dog Team Jumping, a seventh in Large Dog Individual and a fifth in Combined Large Dog. more
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Alma Negra Malbec Sparkling Rose
Sku: 13029
Made in Methode Champenoise, this blend has become a sought-after offering from Alma Negra. It's a delicate rose that pairs well with food or serves as a celebrated aperitif. This predominantly Malbec blend showcases Argentina's signature varietal in a unique way. The blend for this wine changes from vintage to vintage, carrying the same mistique as other bottlings from Alma Negra.
* Free local delivery on orders over $150 to Manhattan, the Bronx and Lower Westchester.
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Looks like only Ron Paul and Mitt Romney will be on the Virginia primary GOP ballot. I hope the CNN reporters ask Gingrich and Perry if they will consider 3rd party runs, seeing as how they are unelectable.Read more »
Ron Paul is hated by establishment Republicans. The Young Turks host Cenk Uygur breaks down a politico article on the 2012 Republican Presidential candidate.Read more »
Although oxygen therapy has been available for decades, has benefited from more and more widely understood. Chronic Obstructive Pulmonary Disease (COPD) is the fourth leading cause of death in the United States.Read more »
The European Court of Justice has ruled that content owners cannot ask ISPs to filter out illegal content. The ruling could have implications for the creative industries as they attempt to crack down on piracy.Read more »
Paul doesn't sugar-coat his answers. He doesn't state them in a way most calculated to appeal to his audience. He states them without artifice.
And this is why his devoted core of supporters are unlikely to go to any other candidate. They find this quality totally refreshing, and energizing. Paul is different from every other politician they've seen.Read more »
A District Court judge in Goffstown, New Hampshire has dismissed a criminal charge against a Weare man for recording his conversation with a police officer during a traffic stop. Judge Edward Tenney followed a recent First Circuit Court of Appeals decision in Boston in Glik v. Cunniffe in ruling that William Alleman was within his constitutional rights when making an audio recording of Weare Police Officer Brandon Montplaisir during the traffic stop on July 10, 2010.Read more »
And yet, the past was ever-present — tattooed in brutish symbols all over his body and face: a blood-soaked razor, swastikas, the letters "HATE" stamped across his knuckles.Read more »
The FTL BBS has undergone major changes. Also, the wiki has been retired. Get details:Read more »
I'm surprised this law passed. The cops will probably ignore it, but at least that gives people a chance to get evidence thrown out. Then again, most peopel will likely just cave and give cops permission anyway.Read more »
From the FTL facebook page: "Word on the street: Ian Freeman has been released from the Cheshire County jail in Keene NH. Welcome back Ian!"Read more »
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September 7, 2011
Gregory Beecham
Stories this photo appears in:
Military News
0902_ROC_GregoryBeechamMIL.jpg**. Gregory D. Beecham. Air National Guard Airman Gregory D. Beecham graduated from basic military training at Lackland Air Force Base, San Antonio, Texas. The airman completed an intensive, eight-week program that included training in military discipline and studies, Air Force core values, physical fitness, and basic
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dc:creator "Solanki, Vinesh",
"Zilber, Boris" ;
dc:date "2011" ;
dc:description """A suitable subcategory of affine Azumaya algebras is defined and a functor from this category to the category of Zariski structures is constructed. The rudiments of a theory
of presheaves of topological structures is developed and applied to construct examples of structures at a generic parameter. The category of equivariant algebras is defined
and a first-order theory is associated to each object. For those theories satisfying a certain technical condition, uncountable categoricity and quantifier elimination results
are established. Models are shown to be Zariski structures and a functor from the category of equivariant algebras to Zariski structures is constructed. The two functors
obtained in the thesis are shown to agree on a nontrivial class of algebras.""" ;
dc:format "born digital" ;
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dc:language "en" ;
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dc:subject "03C",
"Algebraic geometry",
"Mathematical logic and foundations",
"Quantum theory (mathematics)" ;
dc:title "Zariski structures in noncommutative algebraic geometry and representation theory" ;
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a ore:resourceMap .


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welcome to the new era of healthcare.
The days of inefficiency and added expense are over. Citra Health Solutions aligns the needs of providers, payers and patients to tap into healthcare based on value, not on volume — it is the essence of the new era of healthcare and at the core of what we do.
health solutions simplified.
We make the business of healthcare simple with the tools and support to allow you stay laser-focused on patient experience and business efficiency while increasing your financial return.
Increase BUSINESS efficiencies
Achieve quality standards
Improve patient outcomes
Enhance patient satisfaction
our services
better health. better solutions.
Through our scalable model, we provide the agile service and support you need to grow your business and react organically to market demand. Simplify your risk management with our fresh, collaborative solutions.
our technology
the power to bring your data to life.
Our technology platforms enable partners to effectively manage healthcare spending while increasing patient engagement. Bring synergy to your solution with our client benefit administration, claims adjudication and care management capabilities.
knowledge center
turning knowledge into power
Knowledge is made up of insight and intellect so that it can have an impact on the world around us. We believe that sharing our experiences and solutions is one way we can impact the healthcare community, so join us! Together, we are turning knowledge into power that will change healthcare as we know it today.


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Telltale Games' Poker Night 2
Release History
|Poker Night 2
|Telltale Games
|24th April 2013
|XBL Arcade
|Poker Night 2
|Telltale Games
|North America
|24th April 2013
|XBL Arcade
Game Overview
Telltale Games' Poker Night 2 is a casino card game developed by Telltale Games for the Mac OS, Microsoft Windows, PlayStation 3, Xbox 360 and iOS. Like the first game, features crossover opponents as the player uses virtual money to compete in standard poker games to try to eliminate all the other players by exhausting their money.
This time around, the player will compete against Sam & Max, from the Sam & Max franchise, Brock Samson, from The Venture Bros., Ash Williams, from The Evil Dead franchise, and Claptrap from the Borderlands franchise. Additionally, GLaDOS, from the Portal series, takes on the supporting role as the dealer.
Similar Games
- The Sims 3 (2.19m)
- Viva Pinata (1.62m)
- Kinectimals (1.59m)
- Ace Combat 6: Fires of Liberation (1.00m)
- Omerta: City of Gangsters (0.67m)
- IL-2 Sturmovik: Birds of Prey (0.52m)
- Dance Dance Revolution Universe 2 (0.49m)
- Viva Pinata: Trouble in Paradise (0.46m)
- Blazing Angels: Squadrons of WWII (0.41m)
- Fantastic Pets (0.39m)
- Dance Dance Revolution Universe (0.31m)
- Dance Dance Revolution Universe 3 (0.30m)
- Chromehounds (0.28m)
- Armored Core 4 (0.24m)
- Over G Fighters (0.22m)
- Armored Core V (0.19m)
- DarkStar One: Broken Alliance (0.19m)
- Star Trek: Legacy (0.18m)
- Naval Assault: The Killing Tide (0.17m)
- Apache: Air Assault (0.16m)


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The Healthcare Marketing IMPACT Awards are designed to recognize healthcare's best advertising, marketing, promotion and communication campaigns on and across all media platforms, and is open to organizations based in North America. The awards honor campaigns that advance provider, insurer, pharmaceutical, supplier and advocacy group efforts to deliver high quality, affordable and accessible healthcare; promote the health of individual patients, groups and communities; and help organizations thrive and grow in today's rapidly changing healthcare environment.
In addition, each year Modern Healthcare and Advertising Age will bestow three prestigious Publishers' Awards; The Healthcare Marketing Visionary IMPACT Award, The Healthcare Marketing Agency of the Year Award and the Best in Show Award.
To learn about each of these awards, visit the Awards section.
Meet the 2015 Marketing IMPACT Awards Finalists.
View the 2014 Award Winners.
Entry is open to healthcare organizations (and agencies representing them) in the following categories:
Materials considered for any award must have been produced and appeared between January 1, 2014 and March 31, 2015.
Within each category we will also bestow awards within organizational gross income divisions.
Entry fees apply for each award/category/division entered. We will accept credit-card payment.
In other words, one entry fee must be paid for Integrated Campaign of the year, a separate entry fee must be paid for Best Use of Social Media, etc. We do provide discounts for healthcare organizations or agencies entering multiple categories and divisions, purchasing the entry fees at a single time.
Entry fees are as follows:


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Ken RechtinCommunity Recorder guest columnist
- Filed Under
In the last month's column, I indicated that there would be three in this series dealing with the excess amount of time that we have when we retire. The first article dealt with the benefits of volunteerism and suggested volunteer opportunities. This column deals with that four letter word: W-O-R-K!
What if, as so many of us were, you were "right sized" into retirement in the middle of this recession? What if your boss appeared at your door late on a Friday afternoon in August of 2010 and said: "Goodbye, we no longer need you until after this recession."?
You know that you are the high cost employee. ...