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Q. American Express? Do my customers carry it?
A. American Express is increasingly becoming a popular Card with consumers, small businesses and corporates. With a strong loyalty program, and a high quality customer base, American Express Cardmembers are high spenders, with their average monthly spend on plastic being 64% higher than non-cardmembers1 . Our growing base of Cardholders is being enabled through Australia's major banks who are now issuing American Express Cards and our partnerships with major retailers. When you put this together with our strong Corporate Card presence and our traditional Consumer Cards, it means there's a more diverse and larger range of people who carry our Cards.
Q. My competitors don't take it. Why should I?
A. American Express Cardmembers have been proven to have higher transaction values and spend more frequently2. This is supported by a strong loyalty program. American Express offers an opportunity for Merchants to attract and retain great customers. What's more, American Express Cardmembers actively seek out accepting Merchants, which gives your business the chance to stand out against the rest. 17% would go out of their way to visit establishments that accept their American Express Card. 51% would be influenced in their choice of where to shop or dine if they accept their Card. 60% of Cardmembers find out about Card acceptance by looking for Point of Purchase material at the establishment1.
Q. How quickly am I paid for my American Express transactions?
A. If you bank with ANZ, CBA, NAB or Westpac, we will pay you before 9am on the day your payment is due*. To find out when we pay your business, please consult your Merchant Payment Plan. If you can't find your Merchant Payment Plan, call our Customer Care Professionals on 1300 363 614 (Monday – Friday, 8.00am – 6.00pm) to request a new one.
*Refer to business days only (excluding public holidays).
Q. Why do you pay net? Other Card issuers don't.
A. Net payments means we simply pay for the American Express charges, less the amount of the Discount Rate or Merchant Service fee. For many Merchants this is a simpler & easier way of doing business which means we are not regularly deducting fees from your bank account. We provide online or paper based reporting which makes reconciliation and reporting easy for your business.
Q. How will you help me attract American Express Cardmembers?
A. American Express Cardmembers are great customers who actively seek out accepting Merchants. There is no better advertising for these customers than placing the American Express decal or other Point of Purchase materials within your business. 60% of Cardmembers find out about Card acceptance by looking for Point of Purchase material at the establishment1. In addition, we offer a variety of products and services to help you attract more Cardmembers including, in some cases, marketing support programs.
Q. I am already an American Express Merchant. How do I find my Merchant number?
A. Your ten digit Merchant number can be found on the top left hand side of your statement or on your 'Merchant Welcome Pack'. If you do not have these, please call our Customer Care Professionals on 1300 363 614 (Monday – Friday, 8.00am -6.00pm).
Q. How do I let you know about changes to my details?
A. Download the maintenance form from our website and fax it back with the necessary documentation after it has been filled in. You may also call our Customer Care Professionals on 1300 363 614 (Monday-Friday 8.00am-6.00pm).
Q. I have other business locations that I would like to accept American Express Cards at. What do I need to do?
A. Call our Customer Care Professionals on 1300 363 614 (Monday-Friday, 8.00am-6.00pm).
Q. How do I ensure my terminal accepts American Express Cards?
A. Call your terminal provider and request that your terminal be programmed with your American Express Merchant number.
Q. My terminal is asking for authorisation of a transaction. Who do I call?
A. Call our Customer Care Professionals on 1300 363 614 (Monday-Friday, 8.00am-6.00pm). They'll need your Merchant number, Card account number, and the amount charged.
Q. My terminal is displaying a fault message. Who do I call?
A. Call our Customer Care Professionals on 1300 363 614 (Monday-Friday, 8.00am-6.00pm). Quote the reference letter which appears on the terminal screen.
Q. My terminal is set up for Chip & PIN. Can I still accept signature Cards?
A. Yes, you should accept all Cards, regardless of whether they're Chip & PIN or not. If a customer presents a Card without a chip, or with a chip but no PIN, process it as normal and request a signature.
Q. If someone wants to pay with a JCB credit card, what do I do?
A. If your business has been set up to accept JCB payments (refer to your American Express contract), simply process the transaction the same as a American Express Card transaction. To have JCB set up on your Merchant facility, call our Customer Care Professionals on 1300 363 614 (Monday-Friday, 8.00am-6.00pm).
Q. The Card has no chip on it. What should I do?
A. Swipe the Card. Your terminal will then prompt you for the Cardmember's signature.
Q. A Cardmember claims not to know, or to have forgotten their PIN. Should I proceed?
A. You may proceed if you wish, but cautiously. Select PIN bypass and your terminal will let you know whether the Card issuer will allow the Cardmember to sign for the transaction.
If PIN bypass is allowed:
provided you have followed the correct authorisation and signature checking procedures, you'll not be liable if the transaction turns out to be fraudulent.
If PIN bypass is not allowed:
the transaction will be declined, and you must not allow the Cardmember to sign. If you do, you'll be liable if the transaction turns out to be fraudulent.
As a rule of thumb, always follow the instructions given to you by your terminal.
Q.What does 'PINwise'mean?
A. PINwise is an Australian industry initiative (American Express, MasterCard, Visa, Diners and Bank partners) to reduce fraud for credit and debit card transactions by removing signature and replacing it with a PIN (Personal Identification Number) as a valid form of identification verification.
Q. When will a PIN be required for customers?
A. From 1st August, 2014 in Australia card holders with PIN enabled cards will need to use their PIN as payment verification. Card terminals will gradually be upgraded to remove the ability for a chip and PIN card to request signature as a form of transaction verification.
Q. In what situations would customers not have to use a PIN?
A. There may be some circumstances where PIN is not required including:
· Contactless payments under $100 in Australia and under $80 in New Zealand.
· Low value payments (under $35) at some merchants.
· Most transactions from unattended terminals (e.g. vending machines and parking meters)
· Tourists or anyone with a non-Australian or New Zealand domestic issued card may not require a PIN.
· Some cards may be issued with Chip and Signature verification only.
If in doubt, insert or swipe your customer's card as usual and follow the terminal prompts to complete the transaction.
Q. What happens if a customer is a tourist and does not have a PIN?
A. The customer will still be able to use their card. They will need to follow the terminal prompts and use signature for verification.
Q. What happens if a customer forgets their PIN?
A. If a customer types in the wrong PIN three times into the terminal, their card may become locked. The customer should contact their bank or financial institution to obtain instructions on how to unlock their card.
Q. How can a customer get or check if they have a PIN?
A. The customer's bank or card issuer will provide them with a PIN for their credit, charge or debit card. If they have forgotten their PIN, the card issuer can provide them with another PIN upon request. Different card issuers have different processes for changing a PIN. It is best for the customer to contact their bank or card issuer directly.
Q. Is PIN verification a requirement only for American Express?
A. No, this is a requirement for most Australian financial institutions that issue American Express, MasterCard, Visa and Diners Cards.
Q. If I run a cafe/bar/restaurant how do I get a 'pay-at-table' terminal?
A. If you would like to know more about these types of terminals and how to get them installed, please contact your terminal provider.
Q. Will PIN's be used to make transactions over the phone?
A. PIN is only applicable when a customer is physically present at the point of sale during the purchase or cash-out transaction
Q. What steps do I need to take to upgrade my terminal to support PIN and remove PIN bypass functionality to signature?
A. Contact your terminal provider to support you with upgrading your terminal.
What is Chip technology?
A. Instead of being swiped using a magnetic stripe to communicate its payment information, the Chip card is inserted into a terminal and remains there throughout the transaction. The Chip stores the issuer's authorisation rules electronically and checks the cardholder's PIN as a means of verification. Chip cards allow for the option of Contactless transactions and are more difficult to counterfeit than magnetic stripe cards.
Q. What does it mean to have 'Contactless' capability?
A. Contactless technology allows for transactions under $100 in Australia and under $80 in New Zealand to be made without a PIN or signature. The card contains a Chip which securely transmits information to and from the Contactless reader.
Q. What steps do I need to take to upgrade my terminal to support Chip and Contactless functionality?
A. Contact your terminal provider. They will be able to support you with upgrading your terminal to support Chip and Contactless transactions.
Q. How do I process Contactless transactions?
A. Check that the customer's card has a Contactless symbol on the card. When the transaction amount is shown on the Contactless terminal, hold the card against the reader. The terminal will indicate it has read the chip and also when the transaction is approved.
Q. What is the Contactless limit for Australia & New Zealand?
A. A limit of $100 applies in Australia and $80 in New Zealand. If a Contactless card is presented for a transaction above the amount your customer can still use their card by tapping it on the terminal, but they will be prompted to enter their PIN or use signature verification.
Q. What are the benefits of Contactless payment?
A. The speed and convenience of Contactless payments reduces queuing, limiting walk-outs and clearing up floor space.
Q. How do I know that only one transaction has been processed when tapping the card?
A. You can only pay once for any transaction. The terminal will not accept two payments for one purchase.
Q. If I don't have Contactless payment capability can I still process a customer's transaction?
A. Process the transaction as normal and follow the terminal prompts for the customer to input their PIN.
Q. What is Apple Pay?
A. Apple Pay gives your customers an easy, secure, and private way to pay in stores and within apps using their iPhone, Apple Watch or in-app with iPad.
Q. How do I accept Apple Pay payments?
A. To accept Apple Pay in your store, you just need to have an American Express contactless-enabled terminal. Contact your terminal provider if you have any questions about your current capability or if you would like to set up contactless terminal capability.
Q. How does Apple Pay work?
A. The Card Member adds their American Express Card to Apple Wallet. To pay with iPhone they place their finger on Touch ID and hold their iPhone up to the contactless terminal. To pay with Apple Watch they double-click the side button then hold the display up to the terminal. A subtle vibration and beep, with "Done" on the display will confirm the payment information has been sent. PIN is not required regardless of transaction amount.
Q. What does this mean for Merchants?
- Faster, more convenient payments
- Fraud protection and security
- One flat rate for all American Express transactions, no additional fees
- More choice and flexibility for your customers.
Q. Which American Express Cards can be processed using Apple Pay?
A. Any American Express issued Personal, Small Business and Corporate Credit or Charge Cards. Including Affinity and Co-Branded Cards, David Jones Credit Cards and the new American Express Essential Credit Card. Prepaid cards and products are not eligible. Bank issued American Express Cards will not be supported at this time.
Q. Will there be any additional charges to process Apple Pay transactions?
A. No, there are no additional fees, just your one flat Merchant rate for all American Express transactions.
Q. What is the spending limit (or cap) when using Apple Pay?
A. American Express with Apple Pay allows customers to make easy and secure contactless payments at any amount,as every payment is authorised by the Card Member and American Express.
Q. Will Apple Pay transactions be processed the same way as a Card transaction?
A. Yes, Apple Pay transactions will process like any other contactless American Express transaction you accept today. You will need to check with your terminal provider to determine if you can process Contactless transactions.
Q. What should I do if I encounter a problem processing the transaction?
A. If you have been set up with contactless processing capability and you are experiencing problems with processing transactions, please contact your terminal provider.
Q. How secure is an American Express with Apple Pay transaction?
A. Security and privacy is at the core of American Express with Apple Pay. When Card Members add a credit or debit card to Apple Pay, the actual Card numbers are not stored on the device or on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorised with a one-time unique dynamic security key, instead of using the security code from the back of the Card.And on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked — so only the Card Member can make payments from their device.
Q. What about fraud liability on Apple transactions?
A. Within stores and apps, Apple Pay transactions are treated in the same way as your current contactless credit and debit transactions. The same liability rules apply to Apple Pay transactions.
Q. Are these transactions treated as Card present or Card Not Present?
A. For Apple Pay Contactless payments (e.g. in-store), the transaction is treated as Card Present. For Apple Pay payments within apps (those that come directly through the participating Merchant's mobile app), the transaction is treated as Card Not Present but you will not be liable for any fraud that occurs.
Q. Does this new product announcement mean any changes to my Merchant fee rate?
A. No there are no changes to your Merchant fee rate; it will continue to be one flat rate for all American Express transactions, no additional fees.
Q. Are there any changes to my Merchant agreement?
A. No there are no changes to your Merchant agreement. To view the Merchant terms and conditions click here.
Q. How do I process returns with Apple Pay?
A. Use the Device Account Number to find the purchase and process the return, just like you would with a traditional American Express Card payment. To see the last four or five digits of the Device Account Number, ask the customer to go to the Wallet app, tap the card, and tap on the lower-right corner of the display.
You can also have the customer hold their iPhone or Apple Watch near the reader, select the card they used to make the original payment, and authorize the return with Touch ID or passcode.
Q. Which devices can customers use to make Apple Pay purchases?
A. Customers will be able to make purchases in store or within apps using their iPhone 6s, iPhone 6s Plus, iPhone 6 or iPhone 6 Plus and Apple Watch.
iPad Pro, iPad Air 2, iPad mini 4 and iPad mini 3 will be enabled for payments within apps (Purchases made directly through the participating Merchant's mobile app)
Q. How do I set-up Apple Pay for in-app purchases?
A. Contact your e-commerce gateway or Payment Service Provider or visit the Apple website for more information.
Q. Want more information about Apple Pay?
A. Visit the Apple website for more information.
Q. How does American Express pay my business?
A. We pay you the net amount we owe you. How do we arrive at this amount? We deduct the Discount Rate or Merchant Service Fee on each transaction, prior to settlement rather than asking you for payment at the end of the month. We may also offset any adjustments to your account, such as credits, refunds or Chargebacks.
Q. When does American Express pay my business?
A. If you bank with Westpac, NAB, CBA or ANZ and submit your transactions by 7pm (AEST/AEDT), you may be eligible to receive your money in your account early the next business day.
Please be aware, if your establishment is in one of the following industries you will not be eligible for next day pay:
- Airlines, Cruise and Ferry companies
- Auction Houses
- Escort/Introduction/Detective Agencies
- Financial Service providers
- Nightclubs
- Taxis and Limousine Services
- Telecommunication providers
- Travel Agencies
- Merchants using unattended terminals.
Q. Where can I find a copy of the American Express Card Acceptance Terms & Conditions
A. www.americanexpress.com.au/merchant/termsandconditions
Q. Does American Express offset any adjustments to my account?
A. Yes, we may offset any adjustments like credits, refunds or Chargebacks prior to settlement.
Q. When will I need to pay?
A. There may be times when your account is in debit. Reasons for this may include:
- Refunds you have made to Cardmembers.
- Outstanding fees.
- A Chargeback debited to your account after a Cardmember dispute.
Q. How do I settle any money I owe American Express?
A. If you submit monthly transactions, we'll deduct what you owe us from the next payment(s) we make to your business. In situations where we consider that those payments are not sufficient to clear the outstanding amount, we'll contact you to make other arrangements for settlement.
Q. What is My Merchant Account/Online Merchant Services (OMS)?
A. My Merchant Account/OMS enables you to manage your account via the Internet. Once enrolled, you can view your statement quickly and securely, whenever you need to.
Q. Why should I manage my account online?
A. It enables you to:
- View, and download your statement whenever you need to.
- Export your statement to a spreadsheet application, for further analysis.
- Easily find date, or Card number-specific settlements, transactions, adjustments or Chargebacks on your account.
- View financial data for all your branches with one User ID, making it easier if your payments are reconciled centrally.
- View, and respond to Disputes.
Q. Do you charge for My Merchant Account/OMS?
A. No. In fact, if you become an American Express Merchant and enrol for Online Merchant Services, you will automatically be switched to paperless statements. The benefits are that you can view your statement quickly and securely, whenever you need to and it is also more environmentally friendly.
Q. What are the minimum technical requirements for using My Merchant Account/OMS?
A. You'll need Microsoft® Internet Explorer version 4.0, Netscape® Navigator or America Online version 4.0 or higher. You may use either an IBM-compatible, or Apple Macintosh® personal computer, that can run any of the above browsers. For optimum viewing, we recommend using a modem of 14.4 kbps, or higher.
Q. Can my employees have a different username and password for my account(s)?
A. Yes, you can have more than one User ID and password for your account, so every employee using OMS can have separate access to the same account.
Q. How far back does my online statement go?
A. Your current statement shows you up to 35 days' activity. Plus your last 13 month's activity is also available, if you require it. You also have the option to print and file your statements.
Q. Can I export my financial data for further analysis?
A. Yes, you can export your statement details into spreadsheet applications like Microsoft® Excel.
Q. Can I view individual transactions online?
A. Yes. You can easily view amount, date range, or Card number-specific transactions.
Q. Can I monitor disputed transactions using My Merchant Account/OMS?
A. Yes. You can monitor Cardmember Disputes via OMS. Once you are aware of a disputed transaction, you can easily locate it by entering the amount, date or Card number into the search box.
Q. What are Reconcile Payments?
A. Reconcile Payments is a facility, which provides American Express Merchants access to their submission and payment data online. It also allows Merchants to print Tax Invoices.
Merchants who receive payments (for their own submissions, and/or for submissions from other branches within their group) will be able to see full payment-related information online.
Merchants who submit, but who do not receive their own payments (for instance if they belong to a centrally paid group) will be able to view their own submission information, which makes tracking submissions easier.
Q. Am I eligible for Reconcile Payments?
A. We do not grant access to online information to Merchants who:
- Are paid by cheque. In this case we would suggest you sign up to receive payments directly into your bank account, then we will be able to provide you with your data online.
- Are currently in a debit balance situation (owe American Express money). In this case, we would encourage you to apply again when the debit balance has been cleared.
- Have cancelled their agreement with us. If your agreement with us has recently been terminated, then we will not be able to provide you with any information online.
- Submit and get paid in any currency other than Australian dollars. In this case we'll advise you and later provide you online data portals for currencies other than Australian dollars.
Q. What are the benefits of reconciling my payments online?
A. You'll be able to view payment information faster and more frequently. This resource allows you to access payment information online, up to two days before the funds reach your bank account. You'll also be able to download your financial information into spreadsheet applications like Microsoft® Excel for analysis.In addition, you'll be able to see if we have received your most recent submissions (usually the day after you have sent them to us for payment). To do this, you need to use the 'View Pending Submissions' option.
Q. Can I produce a Tax Invoice online?
A. Yes, you can view and print Tax Invoices online.
Q. Is there a fee for reconciling my payments online?
A. There is no fee for this service.
Q. Will reconciling payments online affect my American Express service fee?
A. No. Reconciling your payments online will have no impact on your American Express service fee.
Q. Will reconciling payments online affect the time in which I receive payments from American Express?
A. No. Reconciling your payments online will have no impact on the time in which you receive payments for American Express charges.
Q. How long will it take to access data once I've signed up to reconcile my payments online?
A. Once your enrolment process is completed, your financial data will be available to you immediately.
Q. Does signing up to reconcile my payments online automatically discontinue hard copy (paper) or soft copy (email) payment statements?
A. Yes, starting with your next Merchant statement, all financial information will now come to you through online access only.
Q. How much payment reconciliation data will be available online?
A. You're able to view the latest 13 months of payment reconciliation data online. You can also view it by running a report and/or downloading the data into a spreadsheet (for example; Microsoft® Excel).
Q. How far back can online Tax Invoices be produced?
A. Up to 13 months data can be provided through My Merchant Account/OMS.
Q. What kind of internet browser will I need to reconcile my payments online?
A. You will need Netscape® Navigator, Microsoft® Internet Explorer 5.01, or America Online version 4.0 or higher. As of June 1999, version 5.01 will be required to reconcile your payments online.
Q. How can I access all my accounts with one User ID?
A. To view payment data for multiple locations all you need to do is enrol your Head Office American Express Merchant number. To do this you will need to create a new ID and password, enter your Head Office Merchant account number and banking information. The Head Office account will then be able to view financial data for each location in the chain.
Q. Why should I resolve my customer disputes online?
A. By receiving and responding to customer disputes online, you can save time and money, as well as reduce the risk of 'no reply' Chargebacks that can occur due to mail delays or misplaced dispute letters.
Q. How does resolving disputes online differ from doing so through the mail?
A. In both cases, you are provided the same time to reply and can send supporting materials by fax or mail. Receiving a notification online is much faster than via surface mail and as a result provides you with a longer period of time in which to respond.
Q. Can I track my customer disputes online even if my business has multiple locations?
A. Yes. You can resolve customer disputes for all of your locations. When you access the service, you're given the opportunity to select the locations within your organisation for which you wish to manage disputes.
Q. Does resolving my customer disputes online automatically mean I will no longer receive paper customer dispute letters?
A. Yes, this information will now be provided to you through online access only.
Q. How long will it take to access data once I've signed up to customer disputes online?
A. Once you're enrolled, you may begin viewing your online disputes and Chargebacks upon your first log in. If you are already enrolled into My Merchant Account/OMS and are simply adding this service to your existing User ID, you may begin viewing your data immediately.
Q. What is a customer dispute?
A. A Customer dispute is a notification you receive whenever a Cardmember enquires about a charge from your business. To find enquiries that have been sent to you, click on the 'Search Disputes or Chargebacks' link. Select a case to see further details.
Q. What should I do with a customer dispute?
A. You must respond to each customer dispute you receive by the date indicated on the Dispute Detail page. You can choose to issue a full refund, no refund, or a partial one. By choosing to issue a full refund, you can either authorise a Chargeback or issue a credit to the Cardmember for the full disputed amount. If you choose to issue no refund, you're contesting the dispute. If you choose to issue a partial refund, you can authorise a partial credit to the Cardmember.
Q. How much time do I have to respond to a customer dispute?
A. The amount of time you have to respond varies depending on the type of dispute. Check the main Dispute Detail page and the Reply by Date section for each dispute to see how much time you have to respond.
Q. What should I do if I can't respond immediately?
A. After reviewing the dispute, go to the Dispute Search Results. However, you must still respond by the final date indicated. Cases you must respond to within seven days will be displayed in red on the Dispute List.
Q. What if I don't respond in time?
A. If you do not respond to a customer dispute by the date indicated, you may be subject to a Chargeback for the full disputed amount.
Q. What does it mean to agree with a customer dispute?
A. Agreeing to a customer dispute means that you're either authorising a Chargeback or issuing a credit to the Cardmember for the full disputed amount.
Q. How do I respond to a dispute when a credit for the full disputed amount has been or will be issued?
A. If issuing a credit, you must enter your response and issue the credit through your terminal. Select 'Continue with Full Refund' on the Dispute Detail page. When the Response page appears, choose Response Code 08 - Issuing Credit. Click 'Send Response' when you're finished.
Q. What is a Response Code?
A. A Response Code is a designation used by American Express to define the action you intend to take, or have already taken, regarding a customer dispute. You must select a Response Code in order to submit your response to a customer dispute.
Q. What happens after I send my 'Issue Full Refund' response?
A. You'll automatically be directed to the 'Thank You' page. This page provides all the details of the customer dispute as well as your response to it. You should print this page for your records.
Q. Can I make changes after I click 'Send Response'?
A. No. Once you have sent your response, no changes can be made online. If you wish to make any changes to the response, you'll need to contact our Customer Care Professionals on 1300 363 614 (Monday – Friday, 8.00am-6.00pm).
Q. What does it mean to disagree with a customer dispute by issuing no refund?
A. Disagreeing with a dispute allows you to contest the dispute should you feel no refund is owed. You must provide supporting documentation in order to disagree with a customer dispute.
Q. What should I do if I disagree with a customer dispute and want to issue no refund?
A. You should select 'Continue with no refund' on the Dispute Detail page. When the Response page appears, choose a Response Code and provide the requested supporting documentation. You must click 'Send Response' when you are finished.
Q. What supporting documentation should I send?
A. You should send documents sustaining your disagreement with the Customer Dispute. The supporting documents you will need to send vary by Case Type. Refer to the Supporting Documentation Required field under the Reason for a Dispute section in the Disputes Detail page for the most acceptable examples.
Q. How should I send my supporting documentation?
A. You can fax, mail or submit online your supporting documents. When mailing, create a cover sheet by choosing 'Create a Facsimile Cover Sheet' on the 'Thank You' page. Print this cover sheet and include it with your supporting materials. When faxing, print the same cover sheet and fax it along with your supporting documents.
Q. What does it mean to disagree with a customer dispute by issuing a partial refund?
A. Disagreeing with a dispute allows you to authorise a partial refund of the disputed charge amount to the Cardmember. You must provide additional supporting documentation when disagreeing with a customer dispute.
Q. What should I do if I disagree with a customer dispute and want to issue a partial refund?
A. You should select 'Continue with a Partial Refund' on the 'Dispute Detail' page. When the 'Response page' appears, choose a 'Response Code' and provide the requested support documentation. You must click 'Send Response' when you are finished.
Q. What supporting documentation should I send?
A. You should send documents sustaining your disagreement with the customer dispute. The documents you need to send vary by the Case Type. Refer to the Supporting Documentation Required field in the Disputes Detail page for the most acceptable examples. Log onto our My Merchant Account/OMS now.
Q. What is a dispute?
A. A dispute happens when a Card Member notifies American Express about a charge on their statement which they don't recognise and requests further information.
Q. What is a chargeback?
A. After we have conducted an investigation of the charge, a chargeback happens if we have to debit your bank account by the amount of the disputed transaction and credit the Card Member.
Q. Will I be notified of a dispute or chargeback?
A. If a Card Member questions a charge, and the data we hold is insufficient to resolve the issue, we may send you a 'Request for Information' notification via post or email. In certain circumstances, we make a chargeback without sending a Request for Information. For example, with Merchants who receive a lot of disputes, or conduct transactions in what we consider to be high risk situation. If any inquiry results in a chargeback to your account, we will notify you accordingly.
Q. What is a Request for Information notification?
A. When we're unable to resolve a dispute using our own data, we may send you a 'Request for Information' notification via post, email. This outlines the reason for the dispute and specifies the documents we require from you. Please ensure that you respond fully before the reply-by date given.
Q. What do I do when I receive a 'Request for Information' notification?
A. Please respond by post, fax (it to the number indicated on the letter), or online with all required details, before the reply-by date given. If we do not hear from you by that date, regretfully, we will have to deduct the amount of the transaction from your Merchant Account and then close the dispute. If you have any concerns with the reply-by date please contact us immediately
Q. What happens once I have responded to the 'Request for Information' notification?
A. Provided you have sent us everything we requested, we will investigate the dispute further. Depending upon the result of our investigation, we'll either ask the Card Member to pay the charge, or debit the amount (chargeback) from your account.
Please note, we have to make a chargeback if:
- You don't send us all the information outlined in the Request for Information.
- You don't respond to the 'Request for Information' by the date indicated on the letter.
- You re-submit a charge, after the dispute related to it has been resolved in favour of the Card Member.
Q. What is fraud, and how does it affect me?
A. Fraud comes in many forms, like stolen and counterfeit Cards, for example. It's likely you'll have to deal with attempted fraud at some point, so it's important you recognise the telltale signs to avoid fraudulent transactions. If you're slow to react, we may have to charge your account through chargebacks.
Q. How can I avoid fraudulent transactions?
A. We take the security of your business very seriously, that is why we provide guidelines to help you avoid fraudulent activity, whichever type of transaction you are dealing with.
Some ways to help detect fraud include:
- Check if the Cardhas not expired, been altered, or damaged.
- If it doesn't have a Chip & Pin Card, then carefully compare the customer's signature on the receipt, with the signature on the Card.
- Only send merchandise to the billing address on the Card, and obtain signed proof of delivery.
- Make sure your internet checkout is secure , with industry-standard encryption.
Q. What is the easiest way to handle a dispute
A. You can register your Account online (ensure to complete the online registration process by including your BSB and Account number as per Step 3 of the Registration Process), where we have simplified the process of managing your disputes and chargebacks. Click here to register.
Please find the guidelines here
Lodging and Accommodation Disputes Guide
Online and Mail Order Disputes Guide
Q. How do I avoid disputes and chargebacks?
A. Steps you can take to minimise the chances of a dispute and chargeback happening include:
- Keep all records of sales and charges.
- Ensure your trading name appears correctly on the Card Member's statement. To check the trading name we are quoting on statements is correct, call our Merchant Services team on 1300 363 614, available Monday to Friday 9am to 6pm (AEDT).
- Help the Card Member recall the transaction. Provide as much information as possible to remind them of the transaction (the hotel room number, for example). Clearly advise Card Members of your returns policy for damaged or unwanted goods, and cancellation policy.
- Check every Card carefully. Make sure it hasn't been altered or damaged and has not expired. If it's not a Chip & PIN Card, ensure the signature matches against the one on the Card.
- Never split a charge to avoid your floor limit, or to skip authorisation altogether.
Q. Who can I contact about a dispute or chargeback?
A. Call our team on 1300 363 614, available Monday-Friday, 9am-6pm, for further information.
Q. What is fraud, and how does it affect me?
A. Fraud takes many forms, like stolen and counterfeit Cards, for example. These days, it's likely you'll have to deal with attempted fraud at some point, so it is important that you recognise the telltale signs to avoid fraudulent transactions. If you're slow to react, it can result in loss of goods and revenue through Chargebacks.
Q. What should I do if I suspect a Card is stolen, or is a counterfeit?
A. Please hold onto the Card, and call our Customer Care Professionals on 1300 363 614(24 hours, 7 days a week). When prompted, select 'Authorisations', then 'Code 10 or Security Check'. We'll need your Merchant number, and the Card account number.
Q. How can I avoid fraudulent transactions?
A. Vigilance is most important in avoiding fraudulent activity, whichever type of transaction you're dealing with.
When you are face-to-face with the customer:
- Only proceed if the customer is in possession of the Card.
- Check the Card has not expired, been altered or damaged.
- Carefully compare the customer's signature on the receipt with the signature on the Card.
When the customer is not with you (mail, telephone or internet orders):
- Only send merchandise to the billing address on the Card, and obtain signed proof of delivery.
- Make sure your online checkout is secure, with industry-standard encryption.
Q. How can you help me attract more American Express Cardmembers?
A. We offer a variety of products and services to help you attract more American Express Cardmembers. These include complimentary Point of Purchase materials.
Q. How do I process Travellers Cheques?
A. To authorise a cheque, follow the steps below:
- Watch your customer countersign the cheque(s), and then compare their signature with the original one to ensure they match.
- Ensure that you have a valid cheque by examining the security features; click here for examples
- Check for any obvious signs of alteration to the cheque or the original signature.
Alternatively, you can obtain authorisation by calling 1800 688 022, or go online at americanexpress.com/verifyamextc (where you'll also find a link to our acceptance procedures). Please note that both services are automated. Registration is required by a first time user. To register please call us on 1800 022 044 (Monday-Friday, 8.00am-6.00pm).
Q. How do I validate security features?
A. While holding the cheque to the light, view the Centurion watermark in the white area and the 'AMEX' security thread in the middle area, and ensure they're both visible from the front and back of the Travellers Cheque. View the holographic foil at various angles to verify denomination, and view image and colour changes between Centurion and American Express logo. Ensure the cheque has not been visibly altered and/or manipulated.
Q. How do I process Travellers Cheques issued in a foreign currency?
A. Travellers Cheques presented in a foreign currency should be viewed as foreign notes. Should you choose to accept Travellers Cheques in a foreign currency, you'll need to determine the exchange rate and convert the transaction. Contact with your bank for further details.
Q. Can I deposit Travellers Cheques with my bank?
A. Most banks accept American Express Travellers Cheques. Please contact your bank to check for their specific conditions.
Q. Do I give change in cash?
A. Yes. In the same way as you would for bank notes. And, as with bank notes, be wary of high-value Travellers Cheques being used for a low value purchase.
Q. What if I don't see each Travellers Cheque being countersigned?
A. Ask the customer to repeat their signature on the back of each cheque.
Q. What is the Data Security Operating Policy?
A. It's an American Express policy with which all Merchants, Processors, and Service Providers that store, process or transmit American Express® Cardmember information must comply. This policy has been strengthened to reflect current business conditions, provides additional requirements to help safeguard Cardmember information and aligns with the Payment Card Industry Data Security Standard (PCI Standard). The PCI Data Security Standard sets out a common set of technical requirements for safeguarding sensitive payment data which are applicable across the industry.
Q. Who does the Data Security Operating Policy apply to?
A. It applies to all entities (Merchants and Service Providers) who process, store or transmit Cardmember information. Its requirements apply to all equipment, systems and networks on which American Express Cardmember information is processed, stored or transmitted.
Q. Why is the Data Security Operating Policy important to my business?
A. Compromised data can have a negative impact on your business, other Merchants and card issuers. Even one incident can severely damage a company's reputation and its ability to conduct business effectively. Addressing this threat by implementing security operating procedures can make your customers feel more secure and enhance the reputation of your business.
Q. Why should my business comply with Data Security Operating Policy?
A. The Data Security Operating Policy is a sound business practice and a requirement of American Express. By accepting American Express® Cards, you agree to be bound to terms and conditions of our Card Acceptance Agreement, which includes data security requirements and mandates compliance with American Express policies and procedures.
Q. Does the Data Security Operating Policy still apply to me if I do not store Cardmember information?
A. Yes, the policy still applies to any of your equipment, systems, and networks that transmit or process Cardmember information.
Q. Can a Merchant or Service Provider be considered compliant if it has outstanding non-compliance issues?
A. We encourage Merchants and Service Providers to complete an initial review, develop a remediation plan, complete items on the remediation plan, and revalidate compliance of those outstanding items. This plan can be submitted to American Express for review until full compliance can be achieved. If American Express accepts the plan, in its sole discretion, it can choose not to impose the non-validation fees for a Merchant's failure to provide the documentation validating its compliance with the PCI Data Security Standard. A Merchant may still remain liable for fraud as a result of a security compromise.
Q. How does the Data Security Operating Policy compare to the PCI Data Security Standard?
A. The PCI Data Security Standard is the technical foundation for the Data Security Operating Policy, allowing Merchants and Service Providers to comply with one set of data security technical standards. The Data Security Operating Policy defines the levels, requirements and validation deadline for American Express.
Q. I've been contacted by a company called Trustwave on behalf of American Express. I don't know who this Trustwave company is, and this sounds like a phishing scam. How do I know this isn't a scam?
A. American Express has retained Trustwave to help us administer our Data Security Compliance Program. Trustwave is a leading provider of information security and compliance management solutions to merchants and service providers. We are glad you're checking up on this - we can assure you that this company is reputable and will adhere to all American Express privacy principles.
Q. Can I use another company other than Trustwave to conduct the required assessment and/or scans?
A. Yes. You may use any of the approved vendors listed at
Q. If I used another company to conduct my scan, do I have to provide it to Trustwave?
A. Yes, it will be necessary for you or your chosen authorised security vendor to submit this information to Trustwave (TW). TW has been contracted and authorised to collect this information on behalf of American Express.
Q. May I submit my validation documentation directly to Trustwave?
A. Yes, you may submit your validation documentation to Trustwave via our secure portal. Send an email to Trustwave at firstname.lastname@example.com and request a customised link to the secure portal. Uploading your validation documentation is quick and easy.
Q. How will I know if my Merchant Account is eligible?
A. The criteria that we use to assess the eligibility of your Establishments are:
- Your Establishment currently accepts Card Present Charges (excluding Establishments that only conduct Internet, mail or telephone orders)
- Your Establishment is not in an industry that we consider "high risk". See below list of "high risk" industries.
- Your Establishment is not on our Fraud Full Recourse Program, or
- There is no other reason that we would consider your Establishment to be ineligible for No Signature.
Q. What do you consider to be "high risk" industries?
A. We consider high risk industries, as follows:
Auction Sales
Bail Bondsman
Cardmember Activated Terminals (such as Road Tolls, Car Parking Stations and Garages, Petrol Pumps, Cinema Kiosks, and Railway Self-Service Ticketing)
Detective Agencies
Door to Door Sales
Financial Services
Internet Electronic Services
Night Clubs
Online Pharmacies
Payment Service Providers (Aggregators)
Personal Services
[FOR AUSTRALIA ONLY: Taxis]
Telecommunications (Cellular Products/Services, Premium Rate Telephone Services and Telecommunications Calling Cards)


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Show Bands
Variety Bands
Nationally Touring Artists
Classic Rock and Top 40
Latin and Tropical Bands
Rhythm and Blues >
Zydeco and Cajun
Big Bands and Orchestras
Chamber Music
Country and Western
Jazz and Swing
Irish / Celtic
Other: Specialty & Novelty Acts
Rhythm and Blues
An early merger of the country music of Hank Williams and the gospel of the Soul Stirrers gave us the R&B of Ray Charles, which in turn spawned the 50s R&B of James Brown and Sam Cooke, the 60s soul of Wilson Pickett and Aretha Franklin, and the late 60s funk of Sly & the Family Stone. The 70s brought in the funk of George Clinton,the soul of the Spinners and the Commodores, the disco of Chic and Sister Sledge. This gave way in the 80s to the dance music of Michael Jackson and the Gap Band, the 90s dance music of Janet Jackson and Boys 2 Men,
and the hip hop of the new millenium.
14 Karat Gold
Bayou Funk Experiment
Bourbon Street
Collector's Item
Commercial Art
Ezra Charles
Fidelity Maxx
Grady Gaines & the Texas Upsetters
Jimmy Dotson
Ken Mondshine & Brotherhood
Level One Band
Luther & the Healers
Mambo Jazz Kings
Memphis Soul Live
Memphis Train Revue
Milton Hopkins
Next Level Band
The Atlantics
Yvonne Washington & the Mix >
Yvonne Washington & the Mix
Yvonne Washington is a versatile artist from Houston that can sing everything from gospel to Motown, R&B, pop and jazz standards, and can perform with a small acoustic group or with her large band, The Mix. Whatever she sings, Yvonne puts her heart into it, and is the consumate entertainer for every age group.

subset: commoncrawl


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March 8, 2009
Jeffrey Lee
There were several top recruits in Auburn Saturday for the Tigers' Junior Day, several running backs. One of which was Niceville (Fla.) High's Roy Finch.Finch, 5-foot-8, 170 pounds, is a member of the Rivals250 To Watch in 2010. He has offers from schools across the country including one from Auburn.Finch was making his second trip to the Plains. He attended a team passing camp last summer. This trip was a little more informative."It went really good," said Finch. "They showed us the facilities and stuff like that. We went out onto the field and met with our position coaches and recruiting coaches. They showed us all around campus. They showed us the weight room and everything." ...More... To continue reading this article you must be a member. Sign Up Now!
Already a member? Click here to sign in


text:
The Power of Independent Thinking
Lawrence McQuillan: Healthcare Portability
Recorded: Wednesday, November 19, 2014
Independent Institute Senior Fellow Lawrence J. McQuillan suggests that employees, not employers, should be in control of health insurance.
To purchase copies of John C. Goodman's book "Priceless: Curing the Healthcare Crisis," click here.
Experts: Lawrence J. McQuillanType: Independent Institute TVIssues: Bureaucracy and Government, Culture/ Society, Free Market Economics, Health Care, History (U.S), Labor and Employment, Political Ideology and Philosophy, Privatization, Public Health/ Consumer Protection
A Century of Economic Folly
Recorded: Saturday, November 15, 2014
Research Fellow Burton A. Abrams appears on the "Freedom & Prosperity Radio" show with host Joe Thomas. Abrams talks about his book The Terrible 10: A Century of Economic Folly which contains ten of the U.S. federal government's biggest economic mistakes and the fallout of those mistakes.
Experts: Burton A. AbramsType: RadioIssues: Bureaucracy and Government, Economic History and Development (U.S.), Fiscal Policy/Debt, Government Power, Government Waste/Pork, History (U.S)
Ivan Eland: Is Obama the Worst President Ever?
Recorded: Tuesday, November 4, 2014
Sr. Fellow Ivan Eland, author of the newly updated book Recarving Rushmore which ranks all of the U.S. Presidents in terms of peace, prosperity and liberty, talks about President Barack Obama and his ranking. Obama ranks near the bottom, but it was an early 20th century president that takes the title of "Worst President" in terms of peace, prosperity and liberty. Eland spoke with Kerry Lutz of the Financial Survival Network.
Experts: Ivan ElandType: RadioIssues: Constitutional Law, Economic History and Development (U.S.), Government Power, History (U.S), Political Ideology and Philosophy, Politics
John R. Graham: Shouldn't Healthcare Be Fair?
Recorded: Monday, November 3, 2014
Independent Institute Senior Fellow John R. Graham proposes a major change to Obamacare that would allow a level playing field for everyone.
To purchase copies of John C. Goodman's book "Priceless: Curing the Healthcare Crisis," click here or call Toll Free 1-800-297-8733.
Experts: John R. GrahamType: TelevisionIssues: Bureaucracy and Government, Free Market Economics, Government Power, Government Waste/Pork, Health Care, History (U.S), Labor and Employment, Regulation and Deregulation
Ivan Eland on Ranking US Presidents
Recorded: Sunday, October 26, 2014
Ivan Eland, Senior Fellow at the Independent Institute, appears on Fox & Friends to discuss his updated version of "Recarving Rushmore."
To order copies of "Recarving Rushmore: Ranking the Presidents on Peace, Prosperity, and Liberty," click here.
Experts: Ivan ElandType: TelevisionIssues: Bureaucracy and Government, Civil Liberties/ Human Rights, Culture/ Society, Defense and Foreign Policy, Democracy, Diplomacy and Foreign Aid, Fiscal Policy/Debt, Freedom, Government Power, Government Secrecy, Government Waste/Pork, History (U.S), Nationalism, Political Ideology and Philosophy, Politics, Regulation and Deregulation, Terrorism and National Crises, Trade
Stephen P. Halbrook: What Does "Well-Regulated Militia" Mean?
Recorded: Thursday, October 16, 2014
– Tuesday, October 21, 2014
October 16, 2014
In this appearance on Stossel (Fox Business Network), Stephen P. Halbrook, author of "Gun Control in the Third Reich," responds to gun control advocates with historical precedent.
Halbrooks' book "Gun Control in the Third Reich:
Disarming the Jews and Enemies of the State is available now.
Experts: Stephen P. HalbrookType: TelevisionIssues: Bureaucracy and Government, Civil Liberties/ Human Rights, Constitutional Law, Crime, Culture/ Society, Freedom, Government Power, Gun Control, History (U.S), Law Enforcement, Political Ideology and Philosophy, Politics, Public Health/ Consumer Protection, Regulation and Deregulation
Ivan Eland Speaks on Recarving Rushmore at LPAC 2014
Recorded: Friday, September 19, 2014
Senior Fellow Ivan Eland speaks on Americas Presidents at the 2014 Liberty Political Action Conference .
Experts: Ivan ElandType: TelevisionIssues: Constitutional Law, Culture/ Society, History (U.S), Political Ideology and Philosophy, Politics
Abby Hall on The Scott Horton Radio Show
Recorded: Friday, September 19, 2014
Research Fellow Abby Hall appeared on the Scott Horton radio show and talks about her recent article, Perfecting Tyranny: Foreign Intervention as Experimentation in State Control, published in the Fall 2014 issue of The Independent Review, which she wrote with Research Fellow Christopher Coyne.
Experts: Abigail R. Hall BlancoType: RadioIssues: Civil Liberties/ Human Rights, Defense and Foreign Policy, Government Power, History (International), History (U.S), Political Ideology and Philosophy, Technology


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Free News Alerts by Keyword Interested in embedded technology? Are you an engineer or designer? e-clips helps you follow the latest news on key topics like multicore, FPGAs, 8051, ESL, PC/104 and more!
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RPMiller, in another thread you asked for a list of tutorials that would strengthen your Photoshop skills. I highly recommend the tutorials by Deke McClelland at lynda.com.
While the tutorials are not free, there is the option to subscribe to the site to get the tutorials on a monthly basis. I pay 25$ per month to access the tutorials. A very good value in my books. I could not recommend them more.
In particular, the best series is here:
Second best is the videos here:
Hope that helps,


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Alyssa Shower Curtain
Overview & Details
- 100% cotton duck shower curtain.
- Patterned with a charming all-over floral in lagoon blue on white.
- Buttonhole top.
- 72" x 72".
- Coordinates with our Company Cotton™ towels.
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A welcoming update to the bath, our shower curtain is abloom with a field of painterly flowers. Rendered in soft lagoon blue on sturdy white cotton, we've outfitted our shower curtain with buttonhole tops for a clean, crisp finish. Available exclusively at The Company Store®.


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Saint Laurent
Square Handle Convertible Clutch
Product Actions
Smooth calfskin leather convertible clutch/tote. Modernist square handle in silver-tone brass with engraved Saint Laurent Paris logo. Moiré fabric lining with two slip pockets. Topline can be folded over, or held 'tote-style' by handle.
Since taking the reins at the iconic French fashion house in 2012, designer Hedi Slimane has set about transforming Saint Laurent into a constantly buzzed-about source of rock star-worthy offerings for men and women.
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text:
The Power of Independent Thinking
Clifford Thies on the American Economic Association and Richard T. Ely
Recorded: Monday, November 28, 2011
The American Economic Association (AEA) takes pride in celebrating its founder Richard T. Ely. This pride is strange, given the character of Elys thought, which is revealed in The Independent Review article The Shaping of a Future Presidents Economic Thought: Richard T. Ely and Woodrow Wilson at The Hopkins by Gary M. Pecquet and Clifford F. Thies, as well as the Econ Journal Watch article Richard T. Ely: The Confederate Flag of the AEA? by Clifford F. Thies and Ryan Daza. In this podcast, Thies is interviewed by the economist Lawrence H. White and explores Elys ideas, values, and impact. Thies is the Eldon R. Lindsay Chair of Free Enterprise and Professor of Economics and Finance at Shenandoah University.
Experts: Clifford F. Thies, Lawrence H. WhiteType: RadioIssues: Bureaucracy and Government, Civil Liberties/ Human Rights, Collectivism, Culture/ Society, Economic History and Development (U.S.), Economic Policy, Economists, Government Power, Immigration, Political Ideology and Philosophy, Public Health/ Consumer Protection, Race Issues, Regulation and Deregulation, Religion, Science, Welfare
Bureaucracy vs. The Environment: What Should Be Done?
Recorded: Wednesday, June 28, 2006
Part 1 |
Part 2
Part 3
Environmental quality has been a major public concern since the first Earth Day in 1970, yet the maze of environmental regulations enacted since has fostered huge government bureaucracies better known for waste and failure than for innovation and success.
Experts: Carl P. Close, Michael Shaw, Randy T SimmonsType: Independent Institute EventIssues: Environment


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text:
Golden Sandable Hard Gesso is formulated with 100% acrylic dispersion polymer. It can be sanded to provide surfaces that are smoother and more even than those created using regular gesso.
Containing high levels of titanium dioxide, calcium carbonate, and talc, Sandable Hard Gesso is easier to sand and smoother when finished than many other gessoes. In addition, it is slightly more absorbent than regular Golden gesso. It should only be used on rigid supports due to a tendency to crack when flexed, but can be sanded to a highly polished surface.
see also ...


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order by phone... 1-800-828-4548
order by item number...add items to my cart
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Burlap is an inexpensive material that's easy to manage and drapes nicely for displays and decor. Odor-free. Fabric weight is expressed in ounces per square yard. Sold by the yard.
Please select one of your Lists or create a new List.
Your cart is currently empty.
Dick Blick Art Materials®, Blick®, Blick Studio®, and Artists Pick Blick® are registered trademarks of Dick Blick Holdings Inc.
© Copyright 1999-2016 Dick Blick Holdings Inc. All rights reserved.


text:
November 10, 2011
Ryan Bartow
Jeff Scott was in Northeast Florida where he scouted several of Clemson's top recruiting targets, including this DL, who's high on the Tigers. ...More... To continue reading this article you must be a member. Sign Up Now!
Already a member? Click here to sign in


text:
I have previously discussed the topic of stem cell tourism in previous AMBI blogs. To provide a brief introduction from another blog, stem cell tourism is used to an internet-based direct-to-consumer advertised industry where clinics offer untested and unproven stem cell interventions as bonafide therapies to patients with a range of diseases and injuries including Parkinson's disease, multiple sclerosis, ALS, blindness, cancer, cerebral palsy, spinal cord injury and many others. Basically there is no scientific evidence of safety of efficacy of these modalities to offer them on a for-profit basis to patients. The term was originally coined as a form of tourism because patients traveled from countries like the U.S., U.K., Canada and Australia to clinics in countries with lax regulations, but this simply is not the case anymore. There are several clinics within highly regulated countries like U.S. that offer stem cell interventions.
The Alden March Bioethics Institute offers a Master of Science in Bioethics, a Doctorate of Professional Studies in Bioethics, and Graduate Certificates in Clinical Ethics and Clinical Ethics Consultation. For more information on AMBI's online graduate programs, please visit our website.


text: Crafted from forged steel, these crankshafts are specially designed for the harsh environment of the race track. Available for the Mustang Boss 302, Cobra Jets, and the SVT Lightning, Ford Racing forged crankshafts are the answer to your long term crankshaft performance issues. Ford Racing crankshafts are ready to go into your Boss 302 or 5.4L Ford Racing Engine.


text:
Thursday, February 28, 2013
Hat Parade
22 comments:
- EIDesign Glamour said...
love hats, and the first seems an ice cream :-)
- February 28, 2013 at 10:04 AM
- Lauren@Styleseer said...
- February 28, 2013 at 10:08 AM
- Divers and Sundry said...
i want one of each, please :) honestly, i couldn't pick a favorite. nice photos!
- February 28, 2013 at 10:18 AM
- Helen said...
The lovely lady in red hat is my favorite +++ also LOVE the bright splashes of lip color!
- February 28, 2013 at 10:29 AM
- brudeblogg said...
Wish I could wear a new hat every day! :)
- February 28, 2013 at 10:39 AM
- Katie said...
I'm drawn to the red. The whole look is Wow.
- February 28, 2013 at 10:52 AM
- brudeblogg said...
I wish I could wear a new hat every day! :)
- February 28, 2013 at 11:15 AM
- Sublime Mimesis said...
Love your blog, old people rock.
- February 28, 2013 at 11:25 AM
- Sacramento Amate said...
My favourite ladies, ahhhhhhhhhhhhhhhh so much chic.
- February 28, 2013 at 1:03 PM
- Smaranda Costin said...
I am a hat lover myself! All those ladies look great. My favorite hats are the third and the last one.
- February 28, 2013 at 3:34 PM
- vicki archer said...
The fourth and the fifth are my favourites, Ari... Have a great weekend... xv
- February 28, 2013 at 7:21 PM
they're all fab, but like the folded chocolate confection and the spiraling black and white the best.
yey, hats! more of us should wear them.
- February 28, 2013 at 7:50 PM
- Forest City Fashionista said...
All of them are spectacular, but if I had to choose, it would be the shades of blue swirl on Judith and the purple and pink one in the second photo.
- February 28, 2013 at 9:27 PM
- saç kaynak said...
i like the last one, fantastic =))
- March 1, 2013 at 5:09 AM
- Cindie Hiort said...
More people should wear hats - it's such a great way of enhancing your style! Thanks for a great post:)
- March 2, 2013 at 8:00 AM
- Nathan123 said...
I am a hat lover myself! All those ladies look great. My favorite hats are the third and the last one. There are so many
Mental health Idaho.
- March 2, 2013 at 8:18 AM
- tessdressed.com said...
The STYLE CRONE!! #1. Looking fierce and fabulous.
- March 3, 2013 at 11:34 AM
- Bella Q said...
Hats are such a great way to show off some personality! I love the hats these women display and their glorious style! Great portraits, too.
- March 3, 2013 at 11:54 AM
- Don Pezzano said...
They are ALL such amazing hats. Long live hats!
- March 8, 2013 at 7:16 PM
I want to be the first one, head to toe, for my daughter's graduation at Vassar next year!
- April 6, 2013 at 5:57 PM
- Maria Gina Valero Ortiz said...
Es de lo mas actual, ver tan bellas mujeres en diferentes momentos de sus vidas, es bello tambien la poderosa elegancia, saber llevar un bello sombrero o tocado es algo casi innato en algunas personas, y en otras una necesidad, las fotografias son estupendas y todo el montaje sobervio.
Un saludo y gracias por enseñar la vida de forma tan extraordinaria.
- April 12, 2013 at 5:58 AM
- Vasti's Vintage Couture said...
Love the hats extremely beautiful... Can you Check out my Headpieces I would greatly appreciate your input.
https://www.etsy.com/shop/Vasti?ref=si_shop your input
Thank You
Vasti Ortiz
- September 23, 2013 at 2:02 PM


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31 U.S. Code § 1353 - Acceptance of travel and related expenses from non-Federal sources
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(a) Notwithstanding any other provision of law, the Administrator of General Services, in consultation with the Director of the Office of Government Ethics, shall prescribe by regulation the conditions under which an agency in the executive branch (including an independent agency) may accept payment, or authorize an employee of such agency to accept payment on the agency's behalf, from non-Federal sources for travel, subsistence, and related expenses with respect to attendance of the employee (or the spouse of such employee) at any meeting or similar function relating to the official duties of the employee. Any cash payment so accepted shall be credited to the appropriation applicable to such expenses. In the case of a payment in kind so accepted, a pro rata reduction shall be made in any entitlement of the employee to payment from the Government for such expenses.
(b) Except as provided in this section or section 4111 or 7342 of title 5, an agency or employee may not accept payment for expenses referred to in subsection (a). An employee who accepts any payment in violation of the preceding sentence—
(1) may be required, in addition to any penalty provided by law, to repay, for deposit in the general fund of the Treasury, an amount equal to the amount of the payment so accepted; and
(c) As used in this section—
(1) the term "executive branch" means all executive agencies (as such term is defined in section 105 of title 5); and
(2) the term "employee in the executive branch" means—
(1) The head of each agency of the executive branch shall, in the manner provided in paragraph (2), submit to the Director of the Office of Government Ethics reports of payments of more than $250 accepted under this section with respect to employees of the agency. The Director shall make such reports available for public inspection and copying.
(2) The reports required by paragraph (1) shall, with respect to each payment—
(A) specify the amount and method of payment, the name of the person making the payment, the name of the employee, the nature of the meeting or similar function, the time and place of travel, the nature of the expenses, and such other information as the Administrator of General Services may prescribe by regulation under subsection (a);
(B) be submitted not later than May 31 of each year with respect to payments in the preceding period beginning on October 1 and ending on March 31; and
Source(Added Pub. L. 101–194, title III, § 302(a),Nov. 30, 1989, 103 Stat. 1745, § 1352; renumbered § 1353 and amended Pub. L. 101–280, § 4(b)(1), (c),May 4, 1990, 104 Stat. 157, 158.)
1990—Pub. L. 101–280, § 4(b)(1), renumbered section 1352 of this title as this section.
Subsec. (a). Pub. L. 101–280, § 4(c)(1), substituted "in the executive branch (including an independent agency) may accept payment, or authorize an employee of such agency to accept payment on the agency's behalf," for "or employee in the executive branch may accept payment".
Subsec. (b). Pub. L. 101–280, § 4(c)(2)(A), inserted "or 7342" after "section 4111".
Subsec. (b)(2). Pub. L. 101–280, § 4(c)(2)(B), substituted "(1)," for "(1)".
Subsec. (c)(1). Pub. L. 101–280, § 4(c)(3), substituted "all executive agencies" for "any executive agency".
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
Gatō Company
this wiki
|Gatō Company
|Gatō Company (ガトーカンパニー, Gatō Kanpanī)
|Volume #2, Naruto Chapter #11
|Naruto Episode #7
|Naruto: Ultimate Ninja
|Appears in
|Anime, Manga, Game
|Team Info
The Gatō Company (ガトーカンパニー, Gatō Kanpanī, English TV: Gato Transport) is the shipping company operated by Gatō, using his import/export as a front to make his fortune as a smuggler of illegal goods and selling drugs. Gatō has become the richest man in the world as a result, and went to great lengths to protect his interests through blackmail and murder. The majority of his subordinates are thugs and mercenaries, including his bodyguards Zōri and Waraji, who do Gatō's bidding to entire Land of Waves remained under his control by crushing any resistance.
When Tazuna begins building a bridge to free the Land of Waves from his influence, Gatō hired Zabuza Momochi to kill Tazuna before using his men to finish the job while killing a weaken Zabuza and Team 7. However, Gatō met his end at Zabuza's blade while his men flee after the people stand up to them. The Company fall back soon after with Zōri and Waraji rendered jobless as they made a final attempt at revenge before being driven out of the Land of Waves.


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September 30, 2011
Jim Martz
This Class of 2013 DE has landed a Hurricane scholarship offer, and he was in the recruiting section at the Ohio State game and has been in regular contact with coaches. So what is the latest going on with his Cane recruitment? Read on. ...More... To continue reading this article you must be a member. Sign Up Now!
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text:
We're sorry, your search has returned no results.
We will post all of your properties at NO COST to you under the Following Conditions:
Auction of Listing.
Contact a Realtor
DairyRealty.com accepts all major credits cards and also PayPal online payments using our secure, 128-bit encrypted payment form.
Our payment processor is PayPal, the trusted leader in online payments, enables buyers and businesses to send and receive money online.
PayPal has over 100 million member accounts in 103 countries and regions.


text:
JEFFERSON CITY, Mo. (AP) - Business and civic leaders from the St. Louis area are renewing a push for new tax breaks to encourage international exports through Lambert-St. Louis International Airport.
A Senate committee heard testimony Wednesday on a plan that would authorize up to $7.5 million of annual tax credits for air cargo exports.
The proposal is a scaled-back version of a bill that failed during a 2011 special session. Other elements of that doomed package also are back before the Legislature.
The Senate committee also heard testimony on a bill creating tax incentives for computer data centers.
And numerous people testified against a plan to reduce the amount of tax credits awarded for development of low-income housing and the renovation of historic buildings.
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


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playing it now actually. i wanted so not to pick an aether deck since it was mentioned here already...but it was the one that said it had lightning...and i like lightning.
(that sounded odd didn't it?)
Peralisc2 wrote:@ Haterial, so even grinding everything aint good enough?
Also they have only 1st set of cards.
Grain wrote:No fate eggs. It's Firefly Queen + Boneyard + Bone Shield + Empathic Bond. And there are a couple of Otyughs in the mix.
luckysvn777 wrote:I played it finally... and i honestly don't understand the point at all :/
harterial wrote: Hey, I like staying in control.
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COBB COUNTY, Ga. -- Even before they arrive, we have dreams for our children.
We prepare, but there is no way to ready one's heart.
Two-year-old Michael is the adored first and only child of Katie and Mike Warechowski.
When he wasn't walking as his second birthday neared, Michael's parents took him to an orthopedist. They were told things would work themselves out.
They didn't. After a battery of tests, Katie and Mike received a diagnosis of MLD, Metachromatic Leukodystrophy.
"It is caused by the deficiency of one of the enzymes in our bodies," said Emory geneticist Dr. Suma Shankar.
The deficiency of that enzyme cannot be fixed or cured. Katie and Mike were horrified to learn that the diagnosis of MLD is a fatal one and that their little boy only has a few years left to live.
The odds in this family's story are astounding. Only 1 in 40,000 people have MLD. It's incredibly rare to carry the gene. Katie and Mike are both carriers. Of course they never knew that, never knew that their choice of each other - and their choice to grow their family - would have tragic consequences.
"It's nobody's fault," Mike said. "It's a just a chance. It's nothing we could have prevented or anything like that."
In as little as a year, 2-year-old Michael will begin to unlearn every milestone he has reached in his short life.
"He's going to lose his ability to sit up, crawl, walk, eat, swallow, see, hear and breathe eventually," Katie explained.
Katie and Mike live with this awful reality and the reality they must keep working, keep earning money to pay for their son's care as he nears the end of his life.
They own Fitness Together in Cobb County, their lives dedicated to improving the health of others.
"I still have moments of shock and disbelief like, how could this even be happening right now?" Katie said.
They cannot pack a lifetime into the next few years, so they are trying to stay in the moment with Michael, to fill each day with love that will have to carry them when he is gone.
"If I think about how I'm going to miss him then I'll walk around here sad, and then I won't get to enjoy the time that I do have with him," Katie said.
To help them make the most of that time, 11Alive's Help Desk arranged for the family to enjoy an all-expense-paid trip to Disney World from Southwest Vacations as well as family passes to Georgia Aquarium, Zoo Atlanta and LEGOLAND Discovery Center Atlanta.
If you'd like to help the Warechowskis, visit their blog.


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Tobacco-Limited Campus
Beginning January 1, 2014, Volunteer State Community College will become a tobacco-free campus with a few exceptions. The new tobacco policy prohibits the use of all tobacco products on the vast majority of campus. This includes cigarettes and cigars, chewing tobacco and snuff and smokeless electronic devices. Use of tobacco products will be confined to parking areas. This new policy will make Vol State one of the over 750 schools in the country that have either eliminated or limited the use of tobacco. We will begin by focusing on education, making certain that staff and students are fully aware of the policy and making tobacco cessation resources and tips available to those that want to undertake that process. Once we move forward into the enforcement plan beginning on January 1, 2014, we ask that everybody respectfully adhere to the policy while on campus grounds.
This initiative should help our campus community as a whole. It is our hope that together we can become healthier, happier, more successful students and employees. Our new policy may be found below.
Tobacco and Smoke Free Campus Policy
There are many cessation aids and techniques available. We have worked diligently to compile a list of resources listed below for those who decide to stop using tobacco.
Tobacco Cessation Resources
- Agency for Healthcare Research & Quality, U.S. Dept. of Health & Human Services
- American Cancer Society- Guide to Quitting Smoking
- American Council on Science and Health- The Scoop on Smoking
- American Heart Association
- American Lung Association- Freedom from Smoking
- American Council on Science and Health- The Scoop on Smoking
- Center for Disease Control and Prevention- Featured Data & Statistics on Secondhand Smoke
- Centers for Disease Control-CDC
- Department of Defense- Quit Tobacco
- Department of Health & Human Services, Agency for Healthcare Research & Quality
- Health Finder
- Healthways Foundation
- National Cancer Institute and CDC
- National Cancer Institute
- National Cancer Institute
- Tennessee Department of Health "Quit Line" Program (1-800-QUIT-NOW)
Smokefree Apps include QuitSTART. It's a free smartphone app that can help you track your cravings and moods and monitor your progress toward achieving smokefree milestones. It was created with teens in mind, but can be used by adults as well. For more information, visit teen.smokefree.gov.
Additional Resources for Employees:
EAP Counseling: Up to five free visits are available for employees and eligible family members for: developing smoking/tobacco use cessation plans; those struggling with issues related to smoking/tobacco use cessation; communications conflict issues within the family related to cessation. Call the Tennessee EAP toll-free number,1-855-437-3486, 24 hours a day.
For employees covered under the State of TN health insurance plan (either with Cigna or Blue Cross Blue Shield) can use pharmacy benefits to obtain $0 co-pay cessation related prescriptions. For more information, please click here.


text:
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Course: Meditation Practice on the Graded Stages of the Path (Lam-rim)
Alexander Berzin
Berlin, Germany, June 23, 2009 – ongoing
Berlin, Germany, June 23, 2009 – ongoing
Part II: Death and Impermanence
13. The Nine-Part Death Meditation – The Three Root Facts: (1) Death Is Inevitable
September 15, 2009
Pages with Similar Content:
- Listening to, Thinking about, and Meditating on the Dharma – Session Three: Using the Four Axioms to Think about Death and Impermanence
- Explanation of Thirty-seven Bodhisattva Practices – Session One: Precious Human Life and Death and Impermanence
- General Introduction to the Initial Scope Teachings of the Graded Path (Lam-rim) – Day One: Spiritual Teachers, Precious Human Life, Death and Impermanence
- Discourse on the Main Points of Dharma, Based on the First Panchen Lama's Root Text for the Gelug-Kagyu Tradition of Mahamudra – Session Four: Precious Human Rebirth, Death and Impermanence, and Safe Direction (Refuge)
- Explanation of The Foundation for Good Qualities – Session Two: Further Points Concerning a Precious Human Rebirth, and Death and Impermanence
- A Portrait of Tsenzhab Serkong Rinpoche – Part Eight: Rinpoche's Death and Rebirth
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Saturday, June 13, 2015 in the Exclusive Gehl Club
Sorry - this event is sold out.
Ladies, join the Brewers for the third-annual Brewed for Her event, Saturday, June 13, as the Crew hosts a day of fashion, merchandise and baseball designed specifically for their female fans. The exclusive event will be hosted in the luxurious GEHL Club and will feature a variety of product offerings, fashion tips, interactive stations for nails and hair, a scavenger hunt, fashion show and more.
For just, $99, your ticket package will include:
12:00-12:30: Registration
12:00-12:30: Brewers Mascots Appearance
12:00-End of Game: Shopping in the GEHL club and adjacent rooms
12:30-1:00: Fashion Show
12:30-3:00: hors d'oeuvres in the two shopping rooms
2:30-8th Inning: Hair/Nails station
1:00-1:30: Hank the Ballpark Pup visit
1:00-3:00: Beverage tastings in GEHL Club
1:30-3:00: Interactive stations
2:00: Dinner
3:10: Brewers vs. Nationals
Postgame: O.A.R. concert
- Early entry into Miller Park
- Access to vendor booths and product displays at the Brewers Team Store on the Club Level
- Access to the pregame Brewed for Her event
- Game ticket in GEHL Club with full buffet and two complimentary beverages included
- Reusable gift bag filled with event goodies
- 20% off a special selection of women's Brewers apparel & accessories
- A chance to meet Hank the Ballpark Pup
The Brewed for Her event will feature:
- Fashion Show
- Interactive Hair and Nail stations
- Temporary Tattoo Parlor
- Hat booth with size fitting station
- Fashion tips provided from fashion expects (MLB reps, vendor reps, player wives, FSN Girls)
- Special women's Brewers gear and product offerings available for purchase
- Interactive vendor booth with vendor reps on hand to answer product questions
* Plus, stick around after the game for a free O.A.R. postgame concert!


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The purpose of the Broward County Consolidated Communications Implementation Advisory Board(I-Board) is to review, consider, and make recommendations to the Board relating to the creation, governance, funding, and operations of a regional and cooperative consolidated E-911 communications system which shall include the development of an interlocal agreement to be utilized by all participants in the regional and cooperative consolidated E-911 system.
GovernanceCommitteeAssess and rank alternative governance structures; recommend a draft charter, operating bylaws, inter-local agreements for the County and participating municipalities and best practices to be utilized in the selected governance model.
OperationsCommitteeDetermine the administrative and technical requirements for implementation of the recommended governance model; establish standards and metrics which achieve a high level of performance and service; evaluate and rank proposed E-911 center locations based on engineering and technical analysis of the buildings and infrastructure needs.
FundingCommitteeDetermine potential budget impact on municipalities, Broward County and Sheriff and the tax burden on residents within Broward County; determine a timeline and required actions for implementation of a municipal service taxing unit ("MSTU"); anticipate initial financial needs to occur in fiscal year 2012/2013; and identify start-up/transition budgets.
Other Documents
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text:
13,129pages on
this wiki
this wiki
Folio Bruti
A Folio Bruti is a book (a bestiary, to be precise), which provides basic information on various beasts and plants.
In 1992, Arthur Weasley gave one to Harry Potter and taught him the Informous Charm (a charm that is used to complete the Folio Bruti), as a reward for de-gnoming the garden. In 1993, Professor Remus Lupin gave Harry Potter a Folio Bruti. There was no use of the Informous Charm, because the pages already existed. They were scattered all around Hogwarts School of Witchcraft and Wizardry, Harry had to find them, along with Hermione Granger and Ron Weasley.
Creatures covered
- Bat
- Bowtruckle (separate entry for oak-dwelling variety)
- Charmed Skeleton
- Clabbert
- Cornish Pixie
- Dementor
- Doxy (separate entry for queens)
- Dragonfly
- Fire crab (seperate entries for ruby, sapphire, and emerald shelled varieties)
- Flobberworm
- Frogs and toads
- Gytrash
- Grindylow
- Hinkypunk
- Horklump
- Rat
- Red Cap (separate entry for armoured variety)
- Salamander (separate entries for Amazonian and Peruvian varieties)
- Snail
- Snake
- Spiders
- Various varieties of possessed suits of armour
- Venomous Tentacula
- Wasp
- Wasp
- Harry Potter and the Chamber of Secrets (video game) (GBC and PC versions only)
- Harry Potter and the Prisoner of Azkaban (video game) (GBC, GBA and PS2 versions only)


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39 U.S. Code § 401 - General powers of the Postal Service
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Subject to the provisions of section 404a, the Postal Service shall have the following general powers:
(2) to adopt, amend, and repeal such rules and regulations, not inconsistent with this title, as may be necessary in the execution of its functions under this title and such other functions as may be assigned to the Postal Service under any provisions of law outside of this title;
(3) to enter into and perform contracts, execute instruments, and determine the character of, and necessity for, its expenditures;
(4) to determine and keep its own system of accounts and the forms and contents of its contracts and other business documents, except as otherwise provided in this title;
(5) to acquire, in any lawful manner, such personal or real property, or any interest therein, as it deems necessary or convenient in the transaction of its business; to hold, maintain, sell, lease, or otherwise dispose of such property or any interest therein; and to provide services in connection therewith and charges therefor;
(6) to construct, operate, lease, and maintain buildings, facilities, equipment, and other improvements on any property owned or controlled by it, including, without limitation, any property or interest therein transferred to it under section 2002 of this title;
(7) to accept gifts or donations of services or property, real or personal, as it deems, necessary or convenient in the transaction of its business;
(9) to exercise, in the name of the United States, the right of eminent domain for the furtherance of its official purposes; and to have the priority of the United States with respect to the payment of debts out of bankrupt, insolvent, and decedents' estates; and
Source(Pub. L. 91–375, Aug. 12, 1970, 84 Stat. 722; Pub. L. 109–435, title IV, § 403(b)(1), title V, § 504,Dec. 20, 2006, 120 Stat. 3227, 3235.)
2006—Pub. L. 109–435, § 403(b)(1), substituted "Subject to the provisions of section 404a, the" for "The" in introductory provisions.
Par. (2). Pub. L. 109–435, § 504, amended par. (2) generally. Prior to amendment, par. (2) read as follows: "to adopt, amend, and repeal such rules and regulations as it deems necessary to accomplish the objectives of this title;".
Effective Date
Pars. (1) and (3) to (10) effective July 1, 1971, pursuant to Resolution No. 71–9 of the Board of Governors and par. (2) effective Aug. 12, 1970. See section 15(a) ofPub. L. 91–375, set out as a note preceding section 101 of this title.
Emergency Preparedness Functions
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text: Dr. Aaron Cain of the UAH Music Department appears on a new recording released by Cappella Romana, an acclaimed vocal ensemble based in the Portland, Oregon. This is the first recording of an ambitious work by the prominent American composer Robert Kyr. "A Time for Life: An Environmental Oratorio" is a composition for chamber ensemble and soloists that explores the urgent issues of ecological crisis through texts from the Greek Orthodox Service of the Environment, the Bible, and Native American songs, chants and prayers.


text: The exterior of this handbag is in good condition. The vachetta leather has a moderate patina along with a few water marks. There is also an ink mark at the base of one of the shoulder straps and there are some white spots on the coated canvas. The interior is in good condition, with a small stain on the lining. It does not ship with a designer dust bag.


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49 U.S. Code § 326 - Gifts
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(a) The Secretary of Transportation may accept and use conditional or unconditional gifts of property for the Department of Transportation. The Secretary may accept a gift of services in carrying out aviation duties and powers. Property accepted under this section and proceeds from that property must be used, as nearly as possible, under the terms of the gift.
(b) The Department has a fund in the Treasury. Disbursements from the fund are made on order of the Secretary. The fund consists of—
(2) income from property accepted under this section and proceeds from the sale of that property; and
(c) On request of the Secretary of Transportation, the Secretary of the Treasury may invest and reinvest amounts in the fund in securities of, or in securities whose principal and interest is guaranteed by, the United States Government.
Source(Pub. L. 97–449, § 1(b),Jan. 12, 1983, 96 Stat. 2424; Pub. L. 99–514, § 2,Oct. 22, 1986, 100 Stat. 2095.)
|Revised Section
|Source (U.S. Code)
|Source (Statutes at Large)
|Aug. 23, 1958, Pub. L. 85–726, § 303(c)(1), 72 Stat. 748.
|49:1657(m)(1) (1st, 3d sentences).
|Oct. 15, 1966, Pub. L. 89–670, § 9(m), 80 Stat. 946.
|49:1657(m)(1) (2d sentence), (3) (less 1st sentence).
|49:1657(m)(3) (1st sentence).
In the section, the word "gifts" is substituted for "gifts and bequests" in 49:1657(m)(1) because it is inclusive.
In subsection (a), the words "accept and use" are substituted for "accept, hold, administer, and utilize", and the words "for the Department" are substituted for "for the purpose of aiding or facilitating the work of the Department" in 49:1657(m)(1), to eliminate unnecessary words. The word "property" is substituted for "property, both real and personal" in 49:1657(m)(1), and "gift or donation of money or other property, real and personal" in 49:1344(c)(1) to eliminate unnecessary words. The words "aviation duties and powers" are added because the source provisions being restated only applies to carrying out duties and powers related to the Federal Aviation Administration. The words "under this section and proceeds from that property" are substituted for "pursuant to this paragraph, and the proceeds thereof" in 49:1657(m)(1) for clarity.
In subsection (b), the words "The Department has a" and "The fund consists of" are added for clarity and because of the restatement of the section. The word "separate" before "fund" is omitted as unnecessary and for consistency. The words "from the fund" are added for clarity. The words "accepted under this section" are substituted for "held by the Secretary pursuant to paragraph (1)" for clarity. The words "that property" are substituted for "other property received as gifts or bequests" to eliminate unnecessary words. The words "from securities under subsection (c) of this section" are substituted for "accruing from such securities" for clarity.
In subsection (c), the words "amounts in the fund" are substituted for "any moneys contained in the fund provided for in paragraph (1)" for clarity and consistency.
In subsection (d), the words "under this section" are substituted for "under paragraph (1)" because of the restatement of the section. The words "the Internal Revenue Code of 1954 (26 U.S.C. 1 et seq.)" are substituted for "For the purpose of Federal income, estate, and gift taxes" for consistency.
1986—Subsec. (d). Pub. L. 99–514substituted "Internal Revenue Code of 1986" for "Internal Revenue Code of 1954".
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
May 2, 2016
Some churches are cancelling services Sunday because of the weather.
We'll post any cancellations and delays here. You can also post any schedule changes by leaving a comment.
New Christian Chapel in Rose Hill service Sunday cancelled.
Union Chapel Free Will Baptist Church in Chocowinity is cancelling its 10 am Sunday School. The church service will go on as scheduled.
Hollywood Presbyterian Church on Highway 43 in Greenville is closed on Sunday.
Winterville Baptist church has cancelled all Sunday services.
Grimesland PH Church closed Sunday.
Piney Grove FWB Church, Grifton has cancelled all Sunday services.
All Sunday services cancelled for Hamilton Pentecostal Holiness Church.
Oakmont Baptist Church, Greenville, all Sunday services cancelled.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


text:
Kamikaze Race
by YaYanYann
Download this app if: you love slot racer games.
Developer Notes
*** Massive update! New cars, power-ups, missions and more!
A deceptively simple slot racer, Kamikaze Race features a harried trip through rush hour traffic strapped into a car with no brakes and a stuck accelerator. The simple premise makes it perfect as a quick racing game. Tap the left and...


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Eddie Levert
1942: Singer and lead vocalist of the O'Jays, Eddie Levert was born and turns 72 years old today. (Photo: YouTube)
Black Music Month originated in 1979. Jimmy Carter proclaimed the month of June as Black Music Month to celebrate the wonderful music, the achievements, births, important timelines, events and to remember those we lost.
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text:
Being on-trend without looking like you tried too hard can be difficult, but not for Kristen Wiig. The Golden Globe nominee recently rocked at least four hot trends when she attended the season two premiere of Portlandia in New York City recently.
The black harem pants were perhaps the most daring trend that she wore. These wide-legged pants were accented with a leopard print camisole and a shiny ivory shrug. The trendy look covered her from head to toe. Wiig's simple topknot looked hip but not too fussy, and her tan booties were the perfect footwear to make an entrance.
Her makeup was nothing short of stylish, either. With black eyeliner and shimmery white eyeshadow, Wiig allowed her trendy pink lips to take the stage. A refreshing switch from the ever-popular red lips that seem to be dominating Hollywood, Wiig's pink shade was the right balance of vibrant and shimmery without being too over-the-top.
Other stars such as Lauren Conrad, Emily Blunt, Demi Lovato and Rachel McAdams have also made a statement with different shades of pink on their lips.