text:
Searched for: "tips for starting a home business the right way"
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About 43 results for "tips for starting a home business the right way"
Canary home security system: Convenient surveillance in a small package
If you're looking for the most user-friendly home and small business security device on the planet, Canary may have just what you're looking for.
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10 ways to build good coworker relationships
Good office etiquette helps build the foundation for a healthy work environment. Here are 10 tips to make the most of your interactions with coworkers.
Set up the Chrome for Business browser in your organization using Group Policies
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Power Fundamentals Part 1: Fresh Mac for business users
Simon Barnett embarks upon a series to teach "switchers" to Mac OS the power fundamentals that will help business users work most efficiently. He begins with a fresh Mac in this fi...
How to detect and protect against workplace bullying
October is National Bullying Prevention Month. In recognition of that, we offer an examination of the effects of bullying in the workplace and tips for recognizing whether you are ...


text:
- El SalvadorFoodFunding via PADECOMSM
Ana GriseldaEl SalvadorFoodFunding via Apoyo Integral
Maria Del T...El SalvadorFoodFunding via CrediCampo
Silvia Carmelina
Update on Silvia CarmelinaSilvia has decided to ask for a new loan, because the institution has helped her with quick loans according to her need.
On this occasion the loan will be used to buy merchandise like rise, oil, condiments, bread, eggs, snacks, cookies and candies. She feels that the loans have improved both her business and her family, since her children have advanced another year in their schooling.
Ella considera que estor préstamos han mejorado el negocio y las condiciones de su familia, pues sus hijos han avanzado con un año más de estudio.
Previous Loan DetailsSilvia is married and lives with two children who are 19 and 23 years of age. She sells basic need items and has been in business for six years. She started the business with her children and is open from 6am until 7pm. She currently needs a loan to buy rice, beans, sugar, oil, eggs, cured m... More from Silvia Carmelina's previous loan »
Additional Information
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
About El Salvador
720View loans »
US Dollars
Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Nov 29, 2011
- Listed
- Dec 11, 2011
- Currency Exchange Loss:
- Ended:
- May 15, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.

subset: commoncrawl


text:
ying yang twins always been fresh n flossy. this is real shit right here. 1 of the best tracks of the year 4 sure. fuckin young money quality music. 5 stars
this is just terrible!
Is this for real
oh god... why
Bieber has some serious swag. rockin a 20 g chain walking money mayweather out to the ring
young justin timberlake.
i dont even understand what i just heard...
what is hiphopdx comin to nah fuck that whats hip hop coming to period justin biber lol u cant be serious ah news flash this corny ma fucka doesnt rap helllllo who u gonna put on here next kim kardashin im losing more respect for this site i only get on here to read and listen to real rappers like large professor freddie foxxx kool g rap artists who still give a fuck about the music the artform
kill yourself
this shit needs to stop
i miss da 'shake it like a salt shaker' ying yang twins i hate da nu tehcno/pop ying yang twins
soo when is someone sparkin justin beibers drink with some Cyanide. son is touchin water he shouldnt be in the same country as!
this is the most shitiest song ive heard
Does Beieber own a percentage of this website? Because they are really on his dick.
Words really can't explain how pathetic and wack this is
faggot ass shit, fuck bieber and fuck those faggot twins
ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha
i think the song was above average for him and then he said that and i give him no props anymore


text:
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Via Dante Alighieri, 45, 63013 Grottammare, Italy
Grottammare, Italy - 3.2 km from city centre see map
In the name of our whole team, we welcome you gladly to the Valentino Resort. As a member of the HotelREZ family, the Valentino Resort is...
In the name of our whole team, we welcome you gladly to the Valentino Resort.
As a member of the HotelREZ family, the Valentino Resort is part of a network dedicated to providing you with total satisfaction with your accommodation.
Need assistants during your stay? Ask one of our multilingual staff members who will be happy to assist you.
You can park your car on one of our hotel's plenty of free-of-charge parking spaces.
This hotel offers Wi-Fi.
Make yourself at home
Our friendly reception staff will be able to assist you around the clock - they can also provide a punctual wake-up service if you need to get up early.
Access to the upper floors is made easy by our lift.
Where you will stay
After grabbing something small from your hotel room's minibar full of delicious goodies, you can continue your work at the work desk in your room. From this small office space you will be able to contact everyone you need to: either with the convenient telephone or your hotel room's internet access. All rooms include a safety deposit box as well as an air-conditioning-system.
If you happen to have some free time, you can enjoy some TV from the comfort of your room.
Cable television is featured in all our rooms.
The rooms in our hotel include a refrigerator.
In every room a bathroom equipped with a shower is included.
Enjoy the sun and keep fit in the cooling waters of our outdoor pool.
Business hours of reception:
Every day: from 00:00 to 00:00
Via Mediterraneo, 12, 63013 Grottammare, Italy
Property Location With a stay at Eurotel, you'll be centrally located in Grottammare, convenient to Viale Secondo Moretti and Tower of Gualtieri.Rooms Make yourself at home in one of the 108 air-conditioned guestrooms. Rooms have private furnished balconies. Bathrooms have showers and hair dryers. Conveniences include phones, as well as safes and desks.Rec, Spa, Premium Amenities Head down to the water and enjoy a day at the private beach, or take advantage of other recreational amenities including an outdoor pool and a spa tub. This hotel also features complimentary wireless Internet access, concierge services, and tour/ticket assistance.Dining Enjoy a meal at one of the hotel's dining establishments, which include 2 restaurants and a coffee shop/café. From your room, you can also access room service (during limited hours). Quench your thirst with your favorite drink at a bar/lounge.Business, Other Amenities Featured amenities include complimentary high-speed (wired) Internet access, a computer station, and express check-in. Self parking (subject to charges) is available onsite.
Via Mediterraneo, 8, 63013 Grottammare, Italy
Grottammare, Italy - 4,977.8 km from city centre see map
Situated on the wonderful Grottammare beach, the La Perla Preziosa hotel offers a pleasant and welcoming atmosphere, ideal for spending a...
Situated on the wonderful Grottammare beach, the La Perla Preziosa hotel offers a pleasant and welcoming atmosphere, ideal for spending a relaxing and refreshing holiday. The structure develops in two adjacent buildings. Our exclusive features include the beautiful dining room which has a fine view over the sea, the private beach, the flourishing pinewood situated just in front of the building. Other facilities are the fitness room and a multifunctional room, available for event organisation (meetings, parties?). Professionalism and competence of the new hotel management assure you the maximum pleasantness of your stay. Open all year.
Via Parini 34, 63013 Grottammare, Italy
Grottammare, Italy - 3.1 km from city centre see map
Property Location In the heart of Grottammare, Relais Concorde is close to Viale Secondo Moretti and Tower of Gualtieri.Rooms Make...
Property Location In the heart of Grottammare, Relais Concorde is close to Viale Secondo Moretti and Tower of Gualtieri.Rooms Make yourself at home in one of the 20 air-conditioned rooms featuring minibars. Rooms have private furnished balconies. Complimentary high-speed (wired) Internet access keeps you connected, and satellite programming is available for your entertainment. Private bathrooms with showers feature complimentary toiletries and bidets.Rec, Spa, Premium Amenities Take in the views from a rooftop terrace and a garden and make use of amenities such as complimentary wireless Internet access.Dining Quench your thirst with your favorite drink at a bar/lounge. A complimentary cooked-to-order breakfast is served daily.Business, Other Amenities Featured amenities include complimentary high-speed (wired) Internet access, multilingual staff, and luggage storage.
Lungomare A. De Gasperi 70, 63013 Grottammare, Italy
Grottammare, Italy - 1.2 km from city centre see map
Grottammare stands out among the other places of the Adriatic coast for its privileged position and its growth. In this nice location the...
Grottammare stands out among the other places of the Adriatic coast for its privileged position and its growth. In this nice location the atmosphere of the old medieval centre and the tourism activity of the seafront that turned the townlet to a frequented bathing station merge together in harmony.
The complex, recently built, is situated in the middle of the Adriatic Riviera and it offers spectacular views of the crystal clear sea and a sea front of about 200 m. The clear sea, the coastline of fine sand, the charm of the suggestive perspectives of the ancient suburb, the luxuriant vegetation are characteristics of this village.
From Rome airport, take E80 from Via Appia Nuova/SS7. Continue on A24 and A14/E55 to Grottammare. Take SS16 to Lungomare Alcide de Gasperi.
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Once you have made the search for a hotel in Grottammare we will show you an extensive list of offers, ordered in accordance with our criteria. Obviously the results can also be ordered by name, category, approximate price or based on the evaluations by our clients. We also provide a small description of the accommodation in Grottammare that you selected, so that you can decide whether or not it responds to your expectations.
In the cheap hotels in Grottammare search results, you can filter and find hotels ranging from those with hot tubs to those with spas to allow you maximum relaxation. For instance, one of the most frequent queries to escape the summer heat are for hotels with pools. You will also find other types useful filters, such as those that select hotels with access for disabled people, with restaurants or with Internet access. Of course you can also find medium to high category accommodation, such as a four-star hotel in Grottammare.
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Find your hotel in Grottammare now, with our cheap hotels search engine!


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Posted by Andy Benoit
Let's make one thing clear: the Seattle Seahawks deserved to win Saturday afternoon. They had the better game plan (offensive approach: attack Roman Harper through the air; defensive approach: play zone and trust that your ends are better than the subpar Saints offensive tackles). The Seahawks were fundamentally sounder (the Saints missed six tackles on the Marshawn Lynch touchdown run alone). And the Seahawks capitalized on their unparalleled homefield advantage.
And so the Seahawks deserved to win. But that doesn't mean they proved they deserve to be playing. Analysts all over the country will issue mea culpas this week. They'll claim the Seahawks proved that, despite a 7-9 record, they were indeed a worthy playoff team.
But this team was still 7-9 during the regular season. That has to mean something. If the NFL trumpets the Seahawks and lauds them as lovable underdogs, the league will tacitly be telling its fans that the regular season really doesn't matter.
This is a very dangerous sentiment – one that sports leagues have a hard time shaking once it catches on (just ask the NBA or MLB). But look at the results of the past five NFL postseasons. In 2008, the 9-7 Cardinals reached the Super Bowl. In 2007, the 10-6 Giants WON the Super Bowl (knocking off the perfect Patriots in the process). In 2006, the No. 3 seed Colts hoisted the Lombardi Trophy. In 2005, the Wild Card Steelers won three straight road games to earn rings.
And now a 7-9 team has advanced to the second round (with the 10-6 Bucs team that blew out Seattle in Week 16 was home watching). Perhaps it's great for the NFL. After all, anything can happen come playoff time. And parity rings true. That makes for great television. But what does it say about the importance of the other 17 weeks we just spent watching this league?
The Seahawks deserved to win Saturday. Too bad they still didn't deserve to play, though.
For more NFL news, rumors and analysis, follow @cbssportsnfl on Twitter and subscribe to our RSS Feed.
Blog Entry
Seahawks win should bother NFL executives
Posted on: January 8, 2011 8:07 pm
Edited on: January 8, 2011 8:46 pm
Category: NFL
Since: Jan 10, 2010
Posted on: January 8, 2011 8:39 pm
Seahawks win should bother NFL executives
"But what does it say about the importance of the other 17 weeks we just spent watching this league?"
The regular season eliminated 20 teams. It would be one thing for you to make a comment like this if all 32 teams were allowed in, and the NFL did an NCAA tournament-style thing, but that is not happening.
Since: Jul 10, 2008
Posted on: January 8, 2011 8:38 pm
Seahawks win should bother NFL executives
The credibility of Andy is in the toilet way more than the Seahawk's record. He should be questioning his own qualifications instead of theirs - especially since he had already writtent them off in the rudest manner possible. You should quit your day job.
Since: Apr 6, 2008
Posted on: January 8, 2011 8:35 pm
Seahawks win should bother NFL executives
and.... the fact that you had this articel ALREADY written based on how fast it was posted here, shows you had a bias REGARDLESS of how it actually turned out on the field. Idiot.
Since: Jan 8, 2011
Posted on: January 8, 2011 8:34 pm
Seahawks win should bother NFL executives
Um, they won the divison, you don't have to like it, but they earned it. This is a sad article, they did what the NFL asked them and now you get guys like you saying they "didn't deserve" it, just go away Andy.
Since: Jul 10, 2008
Posted on: January 8, 2011 8:34 pm
Seahawks win should bother NFL executives
Wow Andy. You so confidently stated earlier that there was no way that Seattle would win. (By the way, thanks for stirring up the fans even more). You also didn't seem to care much about their record at the time and said the only way that Seattle would win is if NO gave it to them. Wrong. Wrong, and wrong again. Now, instead of eating crow like you should and admitting you were wrong, you do a roundabout and complain about the rules. Who reallly is the lost today? The Saints or Andy. I say Andy.
Since: Jan 8, 2011
Posted on: January 8, 2011 8:32 pm
Seahawks win should bother NFL executives
I completely disagree with this article. The fact that the Seahawks won a playoff game could possibly make the league better by proving that teams need to play hard ALL season long, let the chips fall where they may and take advantage of every opportunity! Just remember, "Any given Sunday".
Since: Jan 8, 2010
Posted on: January 8, 2011 8:32 pm
Seahawks win should bother NFL executives
I think this argument is for the birds, er (Sea)Hawks. It goes to a matter of semantics. While a team with a losing record may not have gone to the playoffs before, it's certainly nowhere near the first time a team with a better record has sat at home while a division winner went on to play. If your making a statement that the system has always been flawed and this makes the sport somehow unfair; fine, but of course the other 17 weeks matter. Ask the Saints how important it was to win their division and not have to make the trip to the Great Northwest now. Divisions give reasons for fans to root (for or against) teams come playoff time. As a Broncos fan (In John we trust) I make no bones about my distaste for the Chiefs, Bolts or Raiders, but at least I can watch the Raven's goin to play in KC an root for em to smash up KC . Otherwise that game would hold little interest for me. Everything you said about parity, good TV and the like I agree with as well. Any Given Sunday...or uh...Saturday...is still a relevant saying.
Since: Dec 30, 2010
Posted on: January 8, 2011 8:29 pm
Seahawks win should bother NFL executives
I wonder what they'll write if the hawks win next weekend. They just got lucky?
Since: Apr 6, 2008
Posted on: January 8, 2011 8:27 pm
Seahawks win should bother NFL executives
You're an idiot. The fact is the Seahawks won the division, and made the playoffs. They played great today, while the Saints suffered from the same thing that hurt the Seahawks all season - injuries in key spots. All the what-ifs, could've beens, should have beens and over-analyzing of the process is incredibley silly. Any team in the playoff "can win" on any given day, adn that's the beauty.
Since: Dec 30, 2010
Posted on: January 8, 2011 8:26 pm
Seahawks win should bother NFL executives
Just a Hater


text:
updated 04/30/2013 AT 4:00 PM ET
•originally published 05/01/2013 AT 10:00 AM ET
Having it all isn't easy for Miley Cyrus.
As the former Disney star works on a new album, she struggles to balance her relationship with fiancé Liam Hemsworth.
"I'm not home with my boyfriend all the time," Cyrus says in the May issue of V Magazine. "We work! He gets up to work out at six and I come home around five from the studio."
But she acknowledges the time away away from Hemsworth, 23, has sparked split rumors.
"Every week it's, 'Are they broken up? Because we don't see a photo of them,' " Cyrus says. "I don't have time to go to Starbucks with my boyfriend every morning. I wish I did, but I don't."
Instead, the 20-year-old is focusing on her music and is expected to release a new album before the end of the year.
"I've put this record before everything and I've never done that before," she says. "I've put too much into this record to put anything else in front of it."


text:
|Publication number
|Publication type
|Publication date
|Jul 2, 1968
|Filing date
|Apr 27, 1966
|Priority date
|Apr 27, 1966
|Publication number
|Stephen J Sullivan, Merritt W Albright
|Original Assignee
|Infrared Ind Inc
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (7), Referenced by (7), Classifications (19)
|External Links: USPTO, USPTO Assignment, Espacenet
NOBLE METAL COATED CERAMIC SUBSTRATE FOR GLASS SEALS July 2, 1968 s, J, SULLWAN ET AL 3,390,969
AND ELECTRONIC CONNECTOR ELEMENTS Filed April 27, 1966 ZSheets-Sheet 1' July 2, 1968 s. .1. SULLIVAN ET AL 3,390,969
NOBLE METAL COATED CERAMIC SUBSTRATE FOR GLASS SEALS AND ELECTRONIC CONNECTOR ELEMENTS Filed April 27, 1966 2 Sheets-Sheet 2 Z, 70 Q5 22 i //'a 6 9 lf L Inc/W United States Patent 3,390,969 NOBLE METAL COATED CERAMIC SUBSTRATE FOR GLASS SEALS AND ELECTRONIC CONNEC- TOR ELEMENTS Stephen J. Suliivan, Weston, and Merritt W. Albrlght, West Peabody, Mass., assignors to Infrared Industries, Inc., Santa Barbara, Calif., a corporation of Delaware Continuation-impart of application Ser. No. 333,476, Dec. 26, 1963. This application Apr. 27, 1966. Ser. No. 560,392
Claims. (Cl. 29-195) ABSTRACT OF THE DISCLOSURE This invention relates to a laminated material wherein a ceramic substrate is coated in sequence with a metal oxide, a metal selected from the group of copper, nickel, chromium, manganese, titanium, stainless steel, and nickelchromium, and a noble metal selected from the group consisting of gold, silver, platinum, rhodium and iridium. The material is utilized in making glass to glass seals and for electronic components especially photoconductor detectors.
This application is a continuation-in-part of application Ser. No. 333,476 filed Dec. 26, 1963, now abandoned.
The present invention relates to metal coated substrates useful in making a joint, a seal, a weld or the like between two elements, and to its preparation. More particularly, this invention relates to a unique permanently bonded metallic film on a non-metallic substrate. The film is particularly useful as a surface joint in a glass to glass seal such as in glass tubular constructions employed in the instrumentation and electronic fields. It is also particularly useful as a base for electronic elements whereby metallic leads may be easily secured thereto for effecting a circuit with said element.
In the preparation of various electronic devices, and more particularly in the preparation of electronic tubes, substantial evacuation of the interior is frequently required after the various tube elements are placed therein. In certain instances, such as in photoconductor cells where indium antimonide is employed, the glass to glass seal usually provided to seal the elements within the tube, the seal is preferably made at the lowest temperature possible. Otherwise, photoconductor elements may be damaged and possibly completely destroyed.
Sealing techniques have been employed in the past such as disclosed in United States Patent No. 2,446,277 issued Aug. 3, 1948, entitled Glass to Metal Seal in Electrical Devices. Such seals, however, do not contemplate a glass to glass relationship where low temperature sealing is of paramount importance, and where the electrical property of the seal is of no major significance. In addition, the seals which have heretofore been employed often merely rely upon a physical interlocking relationship between the glass and metal.
In certain structures, such as multi-element infrared detector arrays, it is desirable to place the detector elements on a base, such as quartz and then affix leads thereto. Since the element is extremely fragile, it is difficult to do this. So, as an alternative, the trade fastens the detector elements to a highly conductive metallic layer, such as gold, on an insulator base and the leads are then affixed to the metallic layer. In prior art techniques, the metallic layer was only loosely affixed to the base such as by metallic evaporation or by gold leaf bonding or the like.
3,390,969 Patented July 2, 1968 ice Shifting and breakage of the layer frequently occurred. The resultant malfunction was oftentimes extremely costly due to the fact that successful operation of the detector element triggered the entire subsequent operation of the costly mechanism.
An object is to provide a novel metallic coated substrate structure as a result of the technique.
Another object is to provide a bonded metallic layer on a substrate wherein the bond is substantially integral so that separation is virtually impossible.
Still another object is to provide a method for the preparation of a seal which can be accomplished even at very low temperatures in the range from F. to 350 F. A related object is to provide such a seal, which may be optionally made between two glass elements, or glass and metal. Indeed, when desired, the same low temperature sealing characteristics can prove advantageous between two elements in a metal to metal seal.
Another object is to provide a seal susceptible of low temperature completion which is sturdy, durable, and calculated to outlast the life of the device enclosed by the seal.
Another object is to provide a novel metallic coated substrate useful for bonding heat, light and similar detector elements thereto.
Another object is to provide a novel metallic coated substrate, of the above character, in miniature size but to highly accurate specifications.
Further objects and advantages of the present invention will become apparent as a description of several embodiments illustrative of the invention proceeds.
FIG. 1 is a front elevation of an indium antimonide detector employing a glass to glass seal illustrative of the present invention.
FIG. 2 is an enlarged, exploded, cutaway, partially diagrammatic view of the two tubular elements which are sealed in a manner illustrative of the invention.
FIG. 3 is an enlarged diagrammatic, cutaway transverse section of an end of a tubular member prepared for a solder seal in accordance with a method illustrative of the subject invention.
FIG. 4 is a diagrammatic view of an evaporating chamber illustrating how the surfaces of the tubular members are prepared for sealing.
FIG. 5 is an exploded perspective view of the detector shown in FIG. 1 illustrating the relationship between the solder ring and the two tubular elements to be sealed.
FIG. 6 is a top plan view of a substrate upon which a metallic film is to be bonded.
FIG. 7 is a side cross-sectional view of the metallizing apparatus for such bonding.
FIG. 8 is a top plan view of the finished substrate having an array of infrared detector elements afiixed thereto in circuit arrangement.
FIG. 9 is a side cross-sectional view of the finished substrate and ready for use as an infrared detector.
In broad outline, the subject invention contemplates a method for the preparation of a metallic coated substrate wherein the bond is so strong that the structure is useful as part of a joint for sealing or as a base for mounting fragile or delicate electronics elements thereto in circuit arrangement. The invent-ion also embraces the joint and the finished detector element.
In forming a joint, the elements to be sealed are first provided with complementary faces, normally the two faces of the end of a glass tube. The faces of the host material are chemically cleaned, and heated to drive out occluded water and volatile impurities prior to placing the same in an evaporating chamber. A base metal is first evaporated onto the faces which are to be sealed in the presence of sufficient oxygen to provide a base metal oxide in an absorptive soluble relationship with the end faces of the tubes. Thereafter the base metal is evaporated so as to form a thin layer atop the oxide layer and in a mutually absorptive or soluble relationship with the oxide. Then, and preferably prior to concluding the evaporation of the base metal, evaporation of a noble metal is instituted so as to'form a layer of the noble metal atop the base metal. With such overlapping concurrence of evaporation, a diffused interface of noble metal and base metal results.
The same technique is used for forming the metal coated substrate. The substrate, usually of a dielectric material such as quartz, ceramic, aluminum oxide, plastic, or glass is chemically cleaned, then heated to drive off occluded water. It is then placed in an evaporating chamber and appropriately masked to effect a desired circuit. Then an alloy, such as gold alloy, followed by the pure metal, such as gold, is evaporated onto the unmasked portions of the substrate. This sequence of alloy-pure metal evaporation results in a diffused interface of pure metal-metal alloy-substrate. It appears that the mechanism of the excellent bond of the base metal to the quartz substrate is apparently created by a chemical bond. The intense afiinity for oxygen of the base metal combines with a free valence of the oxygen in the substrate, silicon oxide in the case of quartz, to form a strong chemical bond. The affinity of this bond is further metered by specific percentages of other base metals allowing fabrication peculiar to specific circuitry, such as infrared detector manufacture. In the latter, the bond adhesion must be able to withstand chemical cleaning, such as boiling in nitric acid and yet such that it may be diamond scribed without cutting deeply into the quartz base. The technique of this invention accomp'lishes satisfactory bond adhesion.
For the purposes of a more detailed description of the subject invention, absorptive relationship refers to that relationship between the metal or oxide being evaporated and its adjacent surface which forms an intimate bond either by way of absorption, molecular interlacing, or solubility in a degree not fully or clearly understood or defined herein, but observable and detectable to that extent necessary to practice the subject invention and achieve good results. The invention is not limited to the surface phenomenon, but to the steps employed and the results achieved. The base metal is selected from that group of metals which are readily evaporable in known evaporation chambers, and which, in the presence of small quantities of oxygen in the course of such evaporation, will form an oxide which finds itself in ready absorptive relationship with the host glass, ceramic, quartz, plastic, or metal, such base metals including aluminum, chromium, copper, manganese, nickel, nickel-chromium alloys (Nichrome), titanium and various stainless steels. The noble metal which is finally evaporated atop the base metal includes gold, silver, platinum, rhodium, and iridium. It is also possible, in certain specific instances, to utilize a non-noble metal, such as aluminum, lead and copper.
The invention will be better understood by reference to descriptions of the actual preparation of a seal during the manufacture of a detector 10 of the character illustrated in FIG. 1 or of an infrared detector assembly illustrated in FIG; 8.
In FIG. 1, it will be observed that the outer shell of the detector 10 comprises a glass envelope or tube 11, which in turn consists of an upper tube 12 and a lower tube 14. The glass tube 11 is joined to a metal base 15, and houses a detector element 16 in its interior portion.
The joint is illustrated in accordance with its preparation diagrammatically in FIG. 2. As shown, the upper tube 12 and the lower tube 14 are provided with complementary faces, indicated as upper tube end 18 and lower tube end 19. While the joint faces have been shown here as the cutolf end of a tubular member, it will be appreciated that elliptical configurations, not necessarily lying in a single plane, may also be sealed in accordance with the method described herein.
As will become apparent during the description of the method, the preparation of the face of the tube body 22 with a tube end coating 21, such as illustrated in FIG. 3, is the heart of the invention. From FIG. 3 it will be observed that the tube end 22 has atop it, in an absorptive relationship, an oxide layer 24 of approximately molecular thickness. Thereafter, the oxide layer is covered by the base metal 25 to a depth of about .075 to .10 micron. Prior to the completion of the deposition of the base metal layer 25, evaporation is started of the noble metal 28, and because of the contemporaneous overlapping period of evaporation, a blended interface 26 in which the base metal molecules and noble metal molecules are inextricably interwoven is defined. The noble metal overlay or outer coating 28 is of a thickness from .075 to .10 micron ideally, but if the layer is somewhat thicker, the seal will still be satisfactory.
Turning now to FIG. 5, it will be seen that after the tube end coating 21 has been applied in accordance with the above descriptive material relating to FIG. 3, the upper tube 12 and lower tube 14 may be joined by means of a solder ring 36 which is placed between the two tube portions 12, 14, and the two portions are brought together in such a manner as to physically hold the solder ring 36 therebetween, and thereafter by means most readily adaptable to the assembly techniques, the adjacent area surrounding the solder ring 36 is heated to a sufficient temperature to melt the exterior portion of the solder ring 36 and form a bond with the tube end coating 21, and more particularly the outer noble metal portion 28 thereof. Subsequently, where required, an evacuation tube 38 such as illustrated may be employed to evacuate the interior portion of the tube, sealing the evacuation tube 38 in accordance with known techniques.
In preparing the tubular portions 12, 14 for the joint, when glass is employed it is chemically cleaned by dipping it in a hot chromic acid solution followed by a distilled water wash. In this manner any extraneous chemicals, greases, and other foreign materials are removed and a clean surface results. Thereafter, the glass or metal is heated to at least 500 C., or any temperature sufiiciently short of the softening of the material in order to expel any occluded gases and water vapor.
The tubular members 12, 14 are then placed inside an evaporating chamber 29 such as illustrated in FIG. 4. Each is positioned from a convenient tube support diagrammatically illustrated, but the tube support 30 may be of varying configurations depending upon the glass elements to be treated. Subsequently, the chamber is evacuated to 10- mm. of mercury or any other compatible degree of evacuation with reference to the evaporation distance between the filaments and their metal for evaporation in the face to be plated.
As will be observed, a base metal filament 31, and a noble metal filament 34 are provided within the evaporation chamber 29. A base metal ribbon 32 (or base metal powder) is applied to the base metal filament 31. Similarly, a noble metal ribbon 35 (or powder) is applied to the noble metal filament. After the chamber is suitably evacuated to remove all but small contamination proportions of oxygen, the base metal filament is first heated for a period of about a minute. This results in the deposition of the first layer of oxide 24, followed by the .075 to .10 micron layer of base metal 25, preferably chrominum oxide and chromium respectively. Prior to turning off the current or heat source to the base metal filament 31, the noble metal filament 34 is heated in order to commence the evaporation of the silver ribbon 35 to define the blended interface 26.
After the silver or noble metal has been deposited in a sufficiently thick layer, the filaments are turned off, and the treated tubular elements 12, 14 removed, and a nonfluxing solder ring 36 is applied thereto and the tube assembled as illustrated in FIG. 5 and described above.
Example I Two Pyrex brand glass tubes were ground for a, complementary fit between their two ends. The ends were then cleaned by dipping them in a chromic acid bath at a temperature of 25 C. After washing with water, the tubes were dried in an oven heated to a temperature of 150 for a period of 60 minutes. Such temperature treatment completely dried the glass tubes and removed any absorbed gases.
The tubes were then placed, end up, within an evaporation chamber manufactured by Vacuum Specialties of Sommerville, Mass. Within such a chamber was positioned a base metal filament 31, as illustrated in the drawing, consisting of tungsten, and a noble metal filament 34 consisting of tungsten. A ribbon of chromium and silver, respectively, were straddled upon these filaments. The chamber was then evacuated to mm. of mercury. Both the noble metal and base metal filaments were preheated to a point slightly below the evaporative level. The evaporant was then elevated to a temperature of 1205 C. for a period of two minutes by applying 3, voltage of 70 volts, at which time boiling may be observed. This resulted in deposition of a base meal oxide layer 24, as seen in the drawing, followed by a base metal layer 25. The two layers approximate 2 microns in thickness. About 30 seconds before terminating the evaporation of the base metal a current of 50 volts was supplied to the noble metal filament 34. The noble metal evaporant rose to a temperature of approximately 1047 C., and this caused evaporation of the silver ribbon with consequent formation of a blended interface 26 upon each end of the two glass tubes. The noble metal current was supplied for an additional two minutes.
After complete deposition, the current to filament 34 was terminated, the chamber was bled to atmospheric pressure, and the tubes 12 and 14 removed. For assembly, a non-fluxing solder ring 36 comprising 60% tin, 40% lead, was interposed between the two ends of the tubes. This ring was heated by radiant ring heater, to a temperature of 188 C. to cause the outer layers of solder ring to fuse to the ends of the tubes. An integral seal is formed.
During testing, the seal was found to be positive. There was no leakage and a very dependable seal had evidently been created between the two tubes.
The temperatures employed for vaporization of the base and noble metals varies with their vaporization point and the pressure utilized in the evaporation chamber. Generally temperatures of 1000 C. to 1500 C. and pressures of 5 l0 to 1 10 mm. mercury are used. The foregoing voltages were established empirically to achieve the evaporation required.
While the description of a joint formation herein is related primarily to the employment of chromium as the base metal, and silver as the noble metal principally because of their ready availability, relatively modest cost, and superior qualities, both from a standpoint of method and ultimate seal, alternative metals may be employed in forming a joint. As stated above, alternate base metals include copper, nickel, nickelchromium alloys and various stainless steels. The alternate noble metals which may be used are platinum, rhodium, iridium, and gold.
Referring now to FIG. 6 for a detailed description of the metal coated substrate, as used for an electronic component, and technique for its preparation, there is shown the raw fiat substrate 61 upon which metallic fil-m 62, in this particular instance, gold, is to be bonded in a desired configuration. The configuration shown in FIG. 8 is useful for making a multi-element detector array hereinafter.
The finished product is shown in FIGS. 8 and 9. As seen therein, it comprises the substrate 61 with gold film adhered thereto in a substantially permanent manner.
The gold film pattern is formed by the use of an evaporation mask. Initially, gold is deposited in strips 63 to 71 joined by a common header 72. Detector elements 73 to 76 overlie arms 64, 66, 68 and 70, as seen in FIG. 9. A second layer of metal is deposited over a portion of said arms and said detector elements to form an intermeshing relationship for better electrical communication and to accurately mask each element to expose only a predetermined accurate area thereof. Thus multi-element detector arrays, which are not only uniform, but which have reproducible results from array to other array, can be manufactured rather easily.
The following example illustrates the detailed manufacturing steps involved.
Example II A plurality of quartz substrates 61 having a dimension 0.5 x 1 x 0.027 inch are chemically cleaned by dipping in hot chromic acid followed by washing in pure water, and then heating to a red heat, followed by cooling. The substrates are then masked with an appropriate mask to effect the pattern desired, such as seen in FIG. 8 and then mounted face down in the holding plate 77, preferably using plastic tipped tweezers to avoid contamination. A thermocouple 78 is placed against the back end of each substrate for accurate measurement of the temperature of the substrate as the process proceeds. Each substrate in holding plate 76 is then positioned beneath heater 79. The temperature of the substrate is raised about 200 C. 5 C. Actually, a range of 150 to 350 C. is operable.
As shown, the exposed face of each individual substrate 61 faces the interior of a vacuum metallizing chamber 80. Within the chamber are a pair of filament boats 81 and 82.
Boat 81 contains a gold alloy of the following composition:
Percent Gold 72 Nickel 22 Chromium 6 Tolerances 10.5
Boat 82 contains pure gold. The boats are successively heated, the alloy boat first.
The vacuum metallizing chamber is flushed with an inert gas, such as nitrogen, helium or argon, and then reduced to a vacuum of 0.5 l0 microns pressure. Actually, the pressure may range from 1 10- to 1X l0 microns.
Then the individual boats are successively heated, the alloy boat first, generally between 2000 to 5000 C., by a heating means, such as a tungsten filament (not shown) to vaporize the charge of each boat. The total evaporation time is about six and one-half hours. A film having a thickness of about 5000 Angstroms, although the range of thickness may vary between 2000 to 20,000 Angstroms, deposits onto the exposed face of the substrate. A cross section through the film will reveal a gold alloy layer adjacent the substrate, a gold alloy-pure gold interface layer and a top layer of pure gold, much like that shown in FIG. 3. The top layer, in this instance, is pure gold, rather than silver, for better electrical conductivity.
Strips having a width as little as .002 inch on a centerline between each of .005 inch may be effected. It should be evident that such minute structure enables attachment of leads having a dimension no greater than .0005 inch. Thus, miniaturization is possible.
After the evaporation, the substrate is allowed to cool to C. or less, and then the vacuum system is bled with an inert gas followed by air. It is then removed and the evaporation mask taken off the substrate. It is then stored in a plastic box until ready for application of the detector elements, lead sulfide, (PbS) in this instance, and attachment of leads.
The PbS is applied as a coating in the uncoated portion (see FIG. 9) and adjacent coated portion of arms 64, 66, 68 and 70.
Then a second coat of gold is applied over the edge portions of PbS (see 78 and 79 of FIG. 9) and across arms 65, 67, 69 and 71 (see 80 of FIG. 9) to complete a series of circuits (see FIG. 8).
Leads 83 to 91, in this instance gold wire .0005 inch in diameter, are spot welded to the arms 63 to 71 and then the total array capped with a transparent cover 92. The detector array is now ready for incorporation into a circuit of desired function.
To illustrate the strength of the bond between the metal film and the substrate, the following three tests are performed:
Scotch tape test. Thermocompression bonding test. Scribing test.
In a successful Scotch tape test, no more than of the film must pull otf. In the thermocompression bonding test, the breaking strength is noted. Each bond shall have a breaking strength of not less than 12 gms. per lead (24 gms. for loop of two bonds). Qualification acceptance of the evaporation shall be satisfied after ten consecutive samples have passed the breaking strength requirements. The scribing test consists of the number of passes required by diamond scribing to isolate conductors. One piece from each evaporation shall be scribed. The maximum number of passes needed to isolate shall not exceed 25. If more than 25 passes are required for conductor isolation, then the entire evaporation batch shall be rejected. The criterion for each satisfactory scribe shall be that the scribed area be visually clear with 100x scope with bottom light.
Substantially all substrate made met the above conditions satisfactorily.
By using gold as the noble metal where a coating may be placed on flat glass (or other material), leads may be welded to the gold noble metal layer with an adhesion of unusual strength. For example, .0005 inch wire leads have been so welded with a Kulicke and Sofia thermocomperssion welding machine to gold lines of .001 inch scribed in a glass plate. These lines may be either scribed from a solid evaporated layer or formed by evaporation through a mask.
Although particular embodiments of the invention have been shown and described in full here, there is no intention to thereby limit the invention to the details of such embodiments. On the contrary, the intention is to cover all modifications, alternatives, embodiments, usages and equivalents of the surface joint and preparation thereof as fall within the spirit and scope of the invention, specification and the appended claims.
We claim:
1. A surface joint for a ceramic insulating material comprising in sequential order the ceramic insulating material, a base metal oxide layer bonded to the host material and in absorptive relation therewith, a base metal layer atop the base metal oxide and in absorptive relationship therewith; said base metal being selected from the class consisting of chromium, copper, nickel, nickelchromium alloys, and stainless steel; and a noble metal layer bonded to the base metal defining therebetween a diffused interface of base and noble metal; said noble metal being selected from a class consisting of gold, platinum, rhodium, iridium and silver.
2. A glass to glass seal comprising a pair of glass elements having complementary adjacent faces, a base metal oxide layer bonded to each glass face, a base metal layer bonded to the base metal oxide layer, said base metal being selected from the class consisting of chromium, copper, nickel, nickel-chromium alloys and stainless steel, said oxide being that of its adjacent base metal; a noble metal layer bonded to the base metal layer and defining therebetween a diffused interface of base andnoble metal; said noble metal being selected from a class consisting of gold, platinum, rhodium, iridium and silver; and a solder layer in sealed soldered relationship with each noble metal layer thereby joining the two glass elements in sealed relationship.
3. A glass to glass seal comprising a pair of glass elements having complementary adjacent faces, a chromium oxide layer adjacent each glass face, a chromium metal layer atop the chromium oxide layer, a silver layer atop the base metal layer and defining therebetween a diffused interface of chromium and silver, and a solder layer in sealed soldered relationship with each silver layer thereby joining the two glass elements in sealed relationship.
4. A metal coated substrate comprising, in sequential order, a ceramic insulating material, a base metal oxide layer bonded to said ceramic insulating material and in absorptive relation therewith, a base metal layer bonded to the base metal oxide and in absorptive relationship therewith, said base metal being selected from the class consisting of chromium, copper, nickel, nickel-chromium alloys, titanium, and stainless steel, and a noble metal layer bonded to the base metal defining therebetween a diffused interface of base and noble metal, said noble metal being selected from the class consisting of gold, silver, platinum, rhodium, and iridium.
5. The metal coated substrate of claim 4 wherein said ceramic insulating material is selected from the group consisting of quartz, ceramic, aluminum oxide, plastic and glass.
6. A glass to glass seal comprising a pair of glass elements having complementary adjacent faces, a chromium oxide layer adjacent each glass face, a chromium metal layer bonded to the chromium oxide layer, a silver layer bonded to the base metal layer and defining therebetween a ditfused interface of chromium and silver, and a solder layer in sealed soldered relationship with each silver layer thereby joining the two glass elements in sealed relationship.
7. An electronic element comprising a composite, said composite comprising a ceramic insulating material, a base metal oxide layer bonded to the host material and in absorptive relation therewith, a base metal layer bonded to the base metal oxide and in absorptive relationship therewith; said base metal being selected from the class consisting of chromium, copper, nickel, nickel-chromium alloys, and stainless steel; a noble metal layer bonded to the base metal defining therebetween a diffused interface of base and noble metal; said noble metal being selected from a class consisting of gold, platinum, rhodium, iridium and silver, a detector secured to said noble metal; and a lead afiixed to and extending from another face of said noble metal.
8. The electronic element of claim 7 wherein said layers of material bonded to ceramic insulating material is divided into a plurality of finely divided strips so as to form a multi-element detector array with a plurality of detectors, one secured to each of the noble metal surfaces of said strips and with leads affixed to and extending from each strip.
9. The electronic component of claim 8 wherein said detectors comprise PbS.
10. An electronic element comprising in sequential order a ceramic insulating material, a base metal oxide layer bonded to the ceramic insulating material and in absorptive relation therewith, a base metal layer bonded to the base metal oxide layer and in absorptive relation therewith, said base metal being selected from the class consisting of chromium, copper, nickel, nickel-chromium alloys, and stainless steel, a noble metal layer bonded to the base metal layer and defining therebetween a diffused interface of base and noble metal, said noble metal being selected from the class consisting of gold, platinum, rhodium, iridium, and silver, said ceramic insulating mate- 9 rial having portions of the coating thereon removed 50 3,106,489 as to form separate areas of the coating, and leads con- 3,107,756 meeting to the coating in the separate areas. 3,115,957 3,197,290 References Cited 5 3,243,313
UNITED STATES PATENTS 2,975,078 3/1961 Rayfield 117-217 3,098,930 7/1963 Clark 136-214X 10 Lepselter. Gallet. Heil 29195 X Williams 29195 Aves.
HYLAND BIZOT, Primary Examiner.
|Cited Patent
|Filing date
|Publication date
|Oct 21, 1957
|Mar 14, 1961
|Cons Electrodynamics Corp
|Ceramic coated wire
|Jan 5, 1945
|Jul 23, 1963
|Clark Harry L
|Thermo-electric detecting device
|Dec 9, 1960
|Oct 8, 1963
|Bell Telephone Labor Inc
|Semiconductor device fabrication
|Aug 17, 1959
|Oct 22, 1963
|Thomson Houston Comp Francaise
|Metalized ceramic members
|Feb 18, 1959
|Dec 31, 1963
|Eitel Mccullough Inc
|Art of sealing quartz to metal
|Mar 2, 1964
|Jul 27, 1965
|Eitel Mccullough Inc
|Metalized ceramic structures
|Apr 25, 1960
|Mar 29, 1966
|Ling Temco Vought Inc
|Heat-resistant article
|Citing Patent
|Filing date
|Publication date
|Mar 4, 1974
|Dec 16, 1975
|Universal Oil Prod Co
|Electrically conductive compositions of matter
|Feb 8, 1983
|Feb 19, 1985
|Kabushiki Kaisha Meidensha
|Process for bonding copper or copper-chromium alloy to ceramics, and bonded articles of ceramics and copper or copper-chromium alloy
|Jan 29, 1992
|Jul 2, 1996
|International Business Machines Corporation
|I/O pad adhesion layer for a ceramic substrate
|Feb 26, 1998
|Jan 11, 2000
|Tetra Laval Holdings & Finance, Sa
|Hygienic packaging machine
|Oct 20, 2010
|Mar 3, 2015
|The University Of British Columbia
|Leaching process for copper concentrates with a carbon catalyst
|Aug 24, 1978
|Apr 4, 1979
|Siemens Aktiengesellschaft
|Process for indirectly joining two parts
|Feb 17, 1987
|Sep 16, 1987
|Applied Materials, Inc.
|Protected gold coating and process
|U.S. Classification
|428/601, 428/656, 428/622, 428/630, 428/432, 427/124, 428/629, 428/938, 428/686, 428/669, 428/623, 428/472
|International Classification
|Cooperative Classification
|European Classification


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Originally posted on Pro Sports Daily | Last updated 1/9/13
CLEVELAND -- Guard Kyrie Irving led all scorers with 33 points to propel the Cavaliers to a 99-83 victory over the Atlanta Hawks on Wednesday at Quicken Loans Arena. Irving was magnificent on the offensive end by making 11 of 15 from the field, 5 of 6 from the 3-point line and 6 of 6 from the foul line. The 6-foot-3, 191-pounder dished out four assists. The Hawks (20-14), who entered the game with the third seed in the Eastern Conference, dropped their fourth game in a row. Their four-game winning streak at The Q also was snapped. The Cavs (9-28) used just nine players. Two others were available, swingman C.J. Miles and shooting guard Daniel Gibson, but both were coming off injuries. Cavs forward Alonzo Gee fired in 15 points, 12 in the first quarter. Power forward Tristan Thompson, who has thrived during Anderson Varejao's absence, recorded his 13th double-double of the season. He had a game-high 14 rebounds and added 11 points. Center Tyler Zeller added 11 points, a...
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All overdraft protection plans cover debit cards. Whether using your debit card for ATM or everyday debit transactions, you now have the same level of protection! Here's how it works:
Paid NSF (NSF stands for "non-sufficient funds")
In some cases we may authorize an overdraft on your checking account even though you have non-sufficient funds.3 We then notify you of the overdraft and require you to repay any balance due plus a standard $30 NSF fee. Typically, debit ATM and everyday debit card transactions will be declined while your account is in the red, which may be problematic if you're dealing with an emergency. However, now you may be able to avoid having your debit card declined by "opting-in" to Paid NSF for debit cards.4
Paid NSF is available for debit cards. Whether using your debit card for ATM or everyday debit transactions, consider adding this extra layer of protection. Here's how it works:
Benefits of opting-in to Paid NSF for debit card transactions:
- Convenience. Rather than being denied, your purchase may be approved when you have non-sufficient funds in your checking account.5
- Dignity. Avoid the embarrassment of those awkward "card declined" situations.
- Peace of mind. Paid NSF acts as a last line of defense. There is no fee to opt-in, and no fees unless you use the service.
What you need to know about overdrafts and overdraft fees.
Opt in or out of Paid NSF:
call 800-732-0173
Enable or disable Paid NSF for debit ATM
and everyday debit card transactions.
1 For savings and money market accounts, up to six (6) ACH, pre-authorized, telephone transfers, and online account access transfers may be made from these accounts to another account of yours or to a third party in any amount, during any calendar month. If you exceed these limitations the transfer may be refused or returned.
2 Service fees may be reduced or waived for members in the Enhanced and Premier categories of Member Merits. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member's relationship with the credit union.
3 Overdrafts are paid at the discretion of Oregon State Credit Union. This means we do not guarantee to authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts. If Oregon State Credit Union does not authorize and pay an overdraft, your transaction will be declined.
4 Recurring debit card transactions that take your account negative are still subject to a $30.00 fee (for each occurrence) regardless of opt-in status.
5 Negative balances are due immediately and on demand, and must be paid no later than 30 days after the NSF transaction.
Services and options for your debit card
Verified by Visa®
Your online debit card purchases are even more secure these days, thanks to a service through Oregon State Credit Union called "Verified by Visa" At no extra charge, you're able to add security to your existing Oregon State Credit Union Visa debit card and help prevent unauthorized online purchases before they happen.
No need to get a new card. Register here and Verified by Visa goes into action, helping you avoid identity theft and recovery hassles. Buy something online from participating merchants and you'll be asked for your Verified by Visa password before the transaction can be completed. That's it, instant security. Verified by Visa security is linked to your card, not your computer, so you can shop from any computer.
Travel notification
Going on vacation or traveling for business? Help prevent interrupted service with your Oregon State Credit Union debit card. Call us at 800-732-0173 or stop by any branch and let us know your travel plans. That will help our our fraud monitoring service determine if your spending activity is legitimate or if the transactions are occurring outside your normal spending habits.
Checking accounts
We believe in keeping things simple. That's why there's nothing complicated about our checking accounts. All have no monthly fees, unlimited check writing and a free Visa debit card. We've added a few extra benefits depending on the life stage you're currently enjoying. Take a look at our options and find the checking account that's right for you.
|Free Checking
|Our members' most popular checking account
|TLT Teen Checking
|For members 13-18 years of age, not enrolled in college
|Platinum Checking
|For members 55 years of age or better
Easy access
All checking accounts come with free online banking, bill pay and e-statements making it easy to manage your finances. Plus access your money through the CO-OP Network's surcharge-free ATMs or CU Service Centers shared branch locations. Both provide thousands of access points throughout the United States.
If you're not close to an ATM or computer simply call our automated Phone Access Teller (PAT) to check your balances or make transfers. To speak to one of our helpful Member Service Center Representatives, call 800-732-0173.
Direct deposit
Give direct deposit a try and you'll never go back. Coming to the branch to deposit your paycheck, IRS tax refund and more is a thing of the past. To start using direct deposit, simply give the Oregon State Credit Union routing number to your payroll department or whomever may be sending you a check. Be sure to include your Oregon State Credit Union account number and which account you want the funds deposited. Need help with direct deposit, come by any branch or give us a call at 800-732-0173?
Direct deposit routing number: 323274270
Auto transfer
Paying your loan each month is easy at Oregon State Credit Union. We can help you set up an automatic transfer from your Oregon State Credit Union account, or you can simply use online account access and set up recurring payments. Either way, you won't miss a payment and your credit rating will thank you.
Activate your Visa debit card
To activate your card, simply call 888-802-5240 and follow the automated instructions.
Lost your Visa debit card?
If you've lost your card, time is of the essence. Call 800-732-0173 during our regular business hours. After hours or on the weekend, call 888-802-5240 and we'll put a stop on your card and protect your finances.
Build your savings nest egg knowing your money is safe and secure, ready for your future. Several options are designed to help you meet your short- and long-term saving goals.
Basic Savings Open an account
With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of Oregon State Credit Union, entitled to take advantage of all the benefits, products and services available to our members. No monthly service fee will be assessed when you maintain a $250 balance or have at least one other account type with Oregon State Credit Union. To open an account, stop by any branch, give us a call at 800-732-0173, or open an account online.
Scottie Savers Club
- Get details on Scottie Savers accounts which help young savers learn to save and have fun.
- Open a Scottie Savers savings account. Go to any branch or give us a call at 800-732-0173.
TLT Savings
Tomorrow's Leaders Today Savings provides the perfect solution for members age 13-18 who are not enrolled in college. TLT members enjoy a discounted membership fee and start earning dividends with a $5 balance. To open an account, stop by any branch or give us a call at 800-732-0173.
Rates as of date
|Minimum Balance to Open Account
|Minimum Balance to Earn Dividends
|Dividend rate / Annual percentage yield
|Basic Savings*
|0.03% / 0.03%
|Scottie Savers
|0.03% / 0.03%
|TLT Savings
|0.03% / 0.03%
Members under 18 require a parent or guardian as a joint signer.
Federal Regulation D limits pre-authorized, automatic telephone transfers and online transfers from savings and money market accounts to another account of yours or to a third party in any amount to no more than six per month.
Complete deposit rate information is available here and complete account service fee information is available here.
Money Markets
Money Market Account Open an account
- Savings account with a higher dividend rate and easy access
- Dividends calculated daily, compounded and paid monthly
- No minimum balance required to earn interest on daily balance
- Service fee waived when you maintain a $1,000 minimum balance
- No monthly withdrawal or deposit limits*
- Balance used to calculate Member Merits category
- Access funds using online account access, mobile banking, ATMs or PAT (automated phone access teller)
Investor's Money Market
- All the above plus the following
- Tiered dividend rates — earn more for larger deposits
- $10,000 required to open account
- Service fee waived when you maintain a $10,000 minimum balance
Rates as of date
Money Market
|Minimum Balance to Open Account
|Minimum Balance to Earn Dividends
|Dividend rate / Annual percentage yield
|Money Market*
|0.05% / 0.05%
|Investor's Money Market***
|See chart below
Investor's Money Market
|Balance Ranges
|Dividend Rate
|Annual Percentage Yield
|$0 – $9,999
|$10,000 – $24,999
|$25,000 – $49,999
|$50,000 – $99,999
|$100,000 and up
*Federal Regulation D limits pre-authorized, automatic telephone transfers and online transfers from savings and money market accounts to another account of yours or to a third party in any amount to no more than six per month.
Certificate accounts
- Tiered interest rate, compounded daily and paid monthly
- Minimum $500 opening deposit ($250 for a Scottie or Teen Certificate)
- Enhanced or Premier members receive an interest rate bonus
- Flexible terms range from 90 days to five years
- Earned interest can be withdrawn without penalty before certificate matures
- Account balances used to calculate Member Merits category
- Accounts are federally insured by the NCUA up to $250,000
Automatic renewal
Members will receive a maturity notice shortly before the certificate matures. The certificate can automatically be renewed at the dividend rate in effect on the renewal date. Members will receive notices electronically when you register for estatements.
Rates as of date
Certificate Account disclosure
Dividend Rate – Rate may be increased by .15% for the members in the Enhanced category or .25% for members in the Premier category of Member Merits. Does not apply to Business/Organization Accounts, excluding Trust Accounts. Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member's relationship with the credit union. See below for criteria for each category.
Premier Category: Four or more account types and a combined balance of more than $25,000. Enhanced Category: Three or more account types and a combined deposit and loan balance of more than $5,000 and up to $25,000; or three account types and a combined deposit and loan balance of more than $25,000. Essential Category: One or more account types or a combined balance of up to $5,000. Memberships in the same household may be combined to reach these categories.
|Dividend Rate/APY ($500 – $24,999).
|Dividend Rate/APY ($25,000 – $99,999)
|Dividend Rate/APY ($100,000 +)
|182 – 364 days
|0.05% / 0.05%
|0.05% / 0.05%
|0.05% / 0.05%
|12 – 24 months
|0.05% / 0.05%
|0.10% / 0.10%
|0.15% / 0.15%
|24 – 36 months
|0.05% / 0.05%
|0.15% / 0.15%
|0.30% / 0.30%
|36 – 48 months
|0.10% / 0.10%
|0.25% / 0.25%
|0.50% / 0.50%
|48 – 60 months
|0.20% / 0.20%
|0.45% / 0.45%
|0.70% / 0.70%
Health Savings Account (HSA)
A Health Savings Account (HSA) can be utilized as part of a High Deductible Health Plan (HDHP). It's a savings account that allows you to pay for health expenses and build savings for future qualified medical health expenses on a tax-free basis*. You, your employer or another person can make contributions on your behalf.
Benefits of an Oregon State Credit Union HSA
- Savings account with a free Visa debit card, instantly issued
- Accumulated earnings are tax-deferred
- Membership fee may be waived
- No monthly service fee
- No annual administration fee
- Contributions are tax deductible* and can be made throughout the year
- Funds remain in your account from year to year. You don't have to "use it or lose it" each year like flexible spending plans
- You continue to own your HSA account even if you change jobs or health insurance
- Account is federally insured by the NCUA up to $250,000
To open an account, visit any of our branches or call 800-732-0173.
Eligibility requirements
- Must be covered by a high-deductible health plan
- Are not covered by any other medical insurance
- Are not enrolled in Medicare
- Cannot be claimed as a dependent on someone else's tax return
Rates as of date
|Minimum Balance to Open Account
|Minimum Balance to Earn Dividends
|Dividend rate / Annual percentage yield
|Health Savings
|0.05% / 0.05%
*Consult a tax professional for specific tax advice.
Individual Retirement Accounts (IRA)
Retirement. It's one of those "someday" scenarios that requires long-term planning. An Individual Retirement Account (IRA) is an important savings tool because of their tax advantages*. We offer four great options.
- Traditional IRAs
- Roth IRAs
- SEP IRAs
- Coverdell Education Savings Account
- IRA savings or certificate accounts allow eligible members to make tax-deductible contributions* up to $5,500
- Members older than 50 can make an additional $1,000 catch-up contribution
- No monthly fees
- Competitive rates for both savings and certificate accounts
- Enhanced and Premier members receive an interest rate bonus on certificate accounts
If you're changing employers and receiving a lump sum from a qualified retirement plan, you might consider rolling these monies into an IRA.
To open an IRA come in to any branch or call 800-732-0173.
Rates as of date
|Minimum Balance to Open Account
|Minimum Balance to Earn Dividends
|Dividend rate / Annual percentage yield
|0.03% / 0.03%
*Consult with your tax advisor regarding deposits and withdrawal restrictions on each of these IRAs.
With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of Oregon State Credit Union, entitled to take advantage of all the benefits, products and services available to our members. Maintaining a balance in your Basic Savings Account represents your piece of the credit union.
Saving money is easy with Oregon State Credit Union's savings account options. Choose from any of the accounts below, set up automatic transfers using online account access and start saving. You'll have access to your accounts through free online banking, mobile banking, thousands of surcharge-free ATMs, and with PAT, our automated phone access teller.
Basic Savings Account
Scottie Savers Club
TLT Teen Savings
Money Markets
Investor Money Markets
Your money's safe and secure
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at Oregon State Credit Union, ask us how you can maximize your coverage.
Member Merits benefits
At Oregon State Credit Union relationships matter. That's why we've created Member Merits. It's our way of thanking members for their relationships. The more business you do with us the more benefits (free or discounted services) you receive. All deposit and loan balances are used to calculate your monthly Member Merits category.
Start saving today
Open an account online, visit any of our branches or call 800-732-0173. You'll be on the road to saving in no time.
Visa® Value credit card
Oregon State Credit Union's Visa Value credit card gives you all of the convenience of a Visa at a rate that saves you money.
Apply | Visa Value credit card
Enjoy the benefits of a Visa Value credit card
- Check rates
- No annual fee
- No balance transfer fee
- No cash advance fee
- No penalty interest rate
- Same interest rate for cash advances as for purchases
- Credit limits from $500–$50,000
- Cash advance withdrawals available worldwide
- Choose from a variety of attractive card designs
- Free auto rental collision damage waiver
Call us at 800-732-0173 to apply
for a Visa Value credit card.
Review our credit card agreement
Visa Rewards credit card
Visa Rewards credit card gives you rewards every time you use it, providing superior financial and lifestyle benefits.
Apply | Visa Rewards credit card
Enjoy the benefits of a Visa Rewards credit card
- Check rates
- No or low annual fee, based on Member Merits category
- No balance transfer fee
- No cash advance fee
- No penalty interest rate
- Same interest rate for cash advances as for purchases
- Credit limits from $500 – $50,000, based on credit history
- Cash advance withdrawals available worldwide
- Free auto rental collision damage waiver
Call us at 800-732-0173 to apply
for a Visa Rewards credit card.
Additional Visa Rewards benefits
- Rewards:
- Earn points for every dollar you charge. Get gift cards, and make charitable donations. Enjoy travel (airline tickets, discounted airfare) and experiences (sports, getaways, entertainment), and get merchandise.
- Easy online access. View your points balance, view reward options and redeem points. You can also call 800-955-5998 to order.
- Concierge service worldwide. Get help making dining, entertainment, flower and gift arrangements, golf reservations and more.
- Extended warranty protection. Extends the manufacturer's warranty for up to one full year on eligible purchases.
- Travel accident insurance. Receive $1,000,000 in coverage automatically, at no extra cost, when you purchase travel tickets with Visa Rewards.
- Travel assistance service. Get assistance with lost luggage, emergency medical service arrangements, transportation and more.
Call us at 800-732-0173 to apply
for a Visa Rewards credit card.
Review our credit card agreement
Teen Visa credit card
Teens ages 13 – 18 who are not enrolled in college can begin to learn money management with a co-signed teen Visa credit card.
- Parents — apply here, jointly at any branch, or call 800-732-0173.
Enjoy the benefits of a Teen Visa credit card
- Check rates.
- Credit limit of $250 – $500.
- Same benefits as Visa Value, including no annual fee.
- Teens experience the responsibility of a co-signed Visa card.
- Parents guide teens toward wise use of credit.
Review our credit card agreement
Prepaid Visa card
Use your Oregon State Credit Union Prepaid Visa card anywhere Visa is accepted.
Activate | Reload | Manage accounts
Enjoy these Prepaid Visa benefits
- Travel — A prepaid card is safer than cash and especially useful when traveling internationally since regular ATM/debit/credit card transactions may be blocked in some countries due to heightened fraud alerts.
- Budgeting — Use a prepaid card as a budget tool with a preset spending limit.
- Teens and college students — Load a prepaid card for your child to pay for expenses at home or school. Young people will have the convenience of paying with plastic without the danger of credit card debt.
Prepaid Visa features
- Review opening fees.
- Load a Prepaid Visa card with $10 – $2,000.
- Use it for point of sale transactions and ATM access worldwide.
- Enjoy peace of mind with the security of a card that is protected with a PIN and signature.
- Reload up to thirty times during the card term at any branch, online or by calling 800-732-0173.
- Check your balances online or by phone.
- Report lost or stolen cards: call 866-906-4170.
Call 800-732-0173
to order a Prepaid Visa
card today.
Visa credit cards
from Oregon State Credit Union
Get the power and security of a Visa credit card with local service from Oregon State Credit Union. Start or build credit, track expenses, consolidate debt.
Visa Value as low as 6.75% APR3
- A rate that saves — Card details | Apply here
Visa Rewards
- Points with every purchase — Card details | Apply here
Teen Visa
- Teens learn with this "starter" card — Card details | Parents apply here
Prepaid Visa
- Flexible, secure, reloadable — Card details | Activate your card
Helpful card services
Call us at 800-732-0173 to apply
for a Visa credit card today.
3. The 6.75% APR is reflective of a range of rates available. When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate. Rates are current as of date. Visa Rewards has an annual fee of $0 – $25, depending on your Member Merits category.
Home equity line of credit
Tap your home equity, fund plans for tomorrow
Use your home equity to pay for college tuition and school expenses, remodel your kitchen, consolidate debt, vacation and more. With Oregon State Credit Union's home equity line of credit you can get more out of your home and your life.
Benefits of an Oregon State Credit Union home equity line of credit (HELOC):
- Fast approval is ideal for you to start accessing your funds.
- Flexible, easy access to your money whenever, and wherever you need your funds.
- Use your line of credit whenever you're ready, with peace of mind knowing it's there when you need it.
- Potential tax benefits. The interest may be tax deductible. Consult your tax adviser for details.
Use your home's equity for what you need
The lower variable interest rate of a home equity line of credit gives you the purchasing power to buy what you want – when you want. Use home equity to:
- Buy land or other property
- Repair, remodel or add to your home
- Go on vacation
- Pay for a dream wedding
- Pay for college tuition and back-to-school expenses
- Buy a new car
- Consolidate debt
- Pay for major purchases
Now offering low to no closing costs and rates as low as 3.25% APR.1 Why wait? Make dreams come true today using the equity in your home.
Start your home equity line of credit today
Apply here or call us at 800-732-0173. We're always happy to answer your questions.
1. The 3.25% Annual Percentage Rate (APR) is accurate as of date, and may change without notice. Current HELOC rates range from 3.25% APR to 4.25% APR. Your rate may be higher than the lowest advertised APR and will be based on your loan-to-value (LTV). The 3.25% APR is based on an 80% LTV. The APR will vary based on changes to the Wall Street Journal Prime Rate. The current Wall Street Journal Prime Rate is 3.25%. The minimum rate is 3.25% and the maximum rate is 18%. An annual fee up to $75 may apply after the first year; the annual fee will be based on your Member Merits category. Closing costs to open a HELOC vary between $0 – $1,000. NO CLOSING COSTS for Home Equity Line of Credit requests up to $100,000 (except for any required appraisal; borrower(s) pay for appraisal, collected upfront if required). For Home Equity Line of Credit requests in excess of $100,000, we offer a $500 credit towards closing costs. Flood and/or property hazard insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Organization NMLS #472475
First-time homebuyer loans
Step into homeownership with a first-time homebuyer loan. If you never have owned a home or haven't owned one in the past three years, you may qualify as a first-time homebuyer.
Up to $500 off closing,1plus:
- No application fee.
- Two great down payment options:
- 3%
- 5% with a .25% reduction in the interest rate
- Assistance for down payment and closing costs based on income.
- First-time homebuyer classes provided in collaboration with local community partners.
Start your first-time homebuyer loan today
Apply here or call us at 800-732-0173.
Learn more: buy your first home
- Contact our real estate experts
- Steps for getting a loan
- Glossary of mortgage terms
- Calculate: How much home can I afford?
1. $500 reduction off of closing costs for Oregon State Credit Union Premier Members and does not apply to Home Equity Line of Credit, Home Equity Loan or Land Loan. Mortgage Officer Information: Neil Farnes, LOS Individual #669897; Sue Wack, LOS Individual #764472; Robin Cook, LOS Individual #271450. Organization NMLS #472475.
Welcome to the Oregon State Credit Union Home Loan Center
Apply for a mortgage loan to buy or refinance a home, or tap into your home equity. When you're ready, get personal help from a loan officer who specializes in your area. Plus, keep current and lock in Oregon State Credit Union's1 best rates for your dream home.
Find out more about home loans
1. Oregon State Credit Union NMLS entity ID: 472475
Find your vehicle and your financing
New or used
cars, trucks, RVs
Apply or ask
questions: call
Apply or get
Buy or refinance. Great rates, discounts, flexible terms.
- Check rates
- Calculate payments
- Compare: Kelley Blue Book
- Vehicles for sale from Oregon State Credit Union
- Car buying service
2. The 2.49% APR is reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payments and a .25% reduction for members in the Premier Member Merits category. If you delete your automatic payment request or the Credit Union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement. Loan payment example: a $10,000.00 new auto loan for 60 months at 2.49% APR will have a monthly payment of $177.43.


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Sports social media startup makes its pitch, with help from David Ortiz - 0 Comments
Not many startups get to borrow the star power of a Major League Baseball player when they're pitching to a crowd of investors. So when CEO Kash Razzaghi introduced "Big Papi" yesterday at an event at the House of Blues, the audience cheered.
"Get the Yankees off my cellphone," Red Sox slugger David Ortiz quipped to Razzaghi, whose company Fancred offers a social media platform for sports fans.
Afterward, Razzaghi said he had met Ortiz through "mutual connections" and is "exploring ways to work with him."


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Live Sports
Upcoming Events
Contact Us
about us
opening times
the food menu
hire us
local interest
the long walk
The Fox & Castle is an absolutely charming olde world pub set on the outskirts of the village of Old Windsor.
Our aim here is to ensure that both regular and new customers have a memorable experience each time they visit us.
You'll have a choice of some great real ale, a terrific wine list and a menu that changes every week to reflect the best local produce available.
We hope you've got a little time to look through this website. You'll find a weath of information not just about The Fox & Castle but also about the many attractions around the village and also around the historic town of Windsor.
We hope you follow up your visit to our website by visiting us for real and experience the warmth of our welcome and some great food and drink.
The new decking extension
in the garden was finished last summer.
The work was quite extensive but is now all finished.
There are a number of tables on the decking, where
one can enjoy a nice meal 'al-fresco' style all year
At the moment, with this lovely summer weather, the
decking is proving to be very popular.
It really is a lovely and very useful addition to the garden.
Next quiz: First Thursday, monthly
Jackpot: £100
Beer Garden
Car Parking - Up to 25 cars
Late Opening - To midnight at weekends
Cribbage + other boardgames
TV Sports
Great choice of beers and wines


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June 11, 2014
I've been Vegan for a long time
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Crushed red chilli flakes. Mixture of all our chillies from 2011 season. Dried and flaked. Medium heat. Heat Rating : MEDIUM Weight : 35g tin. Use in your cooking. Sprinkle over pizzas or add a teaspoon to a chilli con carne for extra heat. ...Details Add to Cart
A Bag of dried Habanero Chillies. Brilliant for grinding up over a pizza to add a great chilli kick! Heat Rating : Hot Weight : 15gDetails Add to Cart
A pack of dried Naga chillies. Grown on Dartmoor Chilli Farm. A mixture of Bhut Jolokia and Dorset Naga pods. Use with caution. These chillies are incredibly hot! Always wear gloves when handling.Details Add to Cart
Say you are at a restaurant and the waiter bring you your curry and it is not hot enough... what do you do?? Send it back and face the wrath of the chef or perhaps you could add a few grains from this vial of pain. We have mixed Carolina Reaper and Naga Chillies, both picked fresh...Details Add to Cart


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Boy Scout Troop 221 chartered by College Heights United Methodist Church announces the 2010 Eagle Scouts. Front row from left, Bryce Etter and Matthew Gleitz; and back row, Zachary Emmerling, Jared Daugherty and Phillip Gleitz. Not pictured are Joe Filer and Austin Vaughn.
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Short-term locums assignment for a Psychiatric Nurse Practitioner available near Baltimore, MD. Below are details regarding the assignment. Please let me know if you would be interested in providing coverage! • Location: Greater Baltimore...
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