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In order to obtain prime health' your body depends on taking in the appropriate amount of vitamins' minerals' and nutrients as fuel that allows it to continue with its processes. Sometimes' it's hard to know exactly how much of each nutrient your body is taking in. Nutrition facts on backs of food and drink products can only say so much' and sometimes it's difficult to know exactly how much of a mineral or vitamin your body should be exposed to. While a deficiency in a nutrient can make someone feel disconnected' lethargic' and may lead to further health problems' an overabundance of too much of a nutrient may also not be optimal. So' how can you know precisely when and how much of an essential vitamin' like vitamin D3' you should be taking? The answer may lie in a dietary supplement that is a specific source of that vitamin.
D3 Serum by Premier Research Labs is a rich supply of live-source natural vitamin D3. This formula may help to support the cardiovascular and immune systems. The serum also may help with calcium absorption for strong bones and teeth. As a live-source D3 vitamin' this formula is absorbed by the body quickly.
What' though' is vitamin D3 exactly? Vitamin D3 may also be known as cholecalciferol' is simply a different form of the main vitamin D. Vitamin D has long been heralded as 'the sunshine vitamin'. Rays from the sun absorbed into the body provide vitamin D. Vitamin D3' in a related sense' is produced photochemically in the skin.
D3 Serum has been rigorously tested with Premier Research Labs' own Quantum Reflex Analysis 4-polarity testing system' which tests all 4 biofield polarities. In addition' this product is gluten-free' and contain liquids or oils that are 100% excipient free' meaning they have been submitted for tests that state they do not contain and toxic tagalong chemicals or agents in the formula.
Each 0.46oz bottle of Premier Research Lab's D3 Serum has a recommended dosage of 1 drop daily taken with a meal' by inverting bottle at a 45 degree angle until a single drop emerges.
Premier Research Labs is proud to bring its cutting-edge and dynamic products to the world. The company has risen to the top of the industry to become an internationally known and universally respected vitamin and supplement manufacturer. It is also extremely honored to be the world's first and only producer of cellular resonance products' which effectively restore quantum coherence to the body's biofield. Extensive clinical research has shown that once this restoration is complete' the body's healing power may be beyond limits; this is a power that can be gained with Premier Research Labs' fine products.
These statements have not been evaluated by the Food and Drug Administration (FDA). These products are not meant to diagnose' treat or cure any disease or medical condition. Please consult your doctor before starting any exercise or nutritional supplement program or before using these or any product during pregnancy or if you have a serious medical condition.
Serving Size: 1 Drop (0.03 ml)
Servings Per Container: About 456
Amount Per Serving / % DV
Vitamin D3 (1000 IU) / 250%
Other Ingredients: Extra Virgin Olive Oil' D-Alpha Tocopherol.
(Tests on to all 4 biofield polarities' thus delivering the Premier Nutrition Effect™).
Take one drop daily or as directed.
Not intended for infants. Keep out of reach of children.
Ratings & ReviewsReview This Item
Overall Rating for D3 Serum - 0.46 fl. oz (13.7 ml)
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3 of 3 people found the following review helpful.
By Kennedymoore
from United States
PRL D3 Serum
Awesome! D3 Serum by Premier Research Labs is the best D3 I have ever used. I have 4 Autoimmune Diseases: Hashimotos Lupus Pernicious Anemia and Celiac Disease. I had used the pharmaceutical grade D2 for months taking the 50000ius a week. My vitamin D remained low. After 2 bottles of the PRL D3 Serum my levels went from 60 to 125. With autoimmune diseases and celiac disease we must maintain above average levels of vitamin D. The only way to do that and reduce inflammation is to use D3 and this is the best on the market. Dont worry about asking your physician to prescribe D3...they dont know the difference in D3 and D2. Educate yourself about the supplements you need and purchase them from Pure Formulas.
Effectiveness and ease of use.
√ I would recommend this item to a friend.
1 of 1 people found the following review helpful.
By Gayle
from USA
Premier Research Labs D3 Serum- Great fo
D3 Serum will raise your DS very fast. It is gluten free and soy free! I would recommend D3 Serum by Premier Research Labs to anyone who is deficient especially those living with celiac disease.
Gluten Free. Soy Free.
√ I would recommend this item to a friend.
1 of 1 people found the following review helpful.
By Myrt Creigh
from Punta Gorda, Florida
Would prefer it in capsule form. Droplet procedure is not user-friendly but D3 Serum by Premier Research Labs works well.
√ I would recommend this item to a friend.
By Lissa Cadet
from NEW YORK
D3 Serum
I no longer have joint pain thanks to D3 Serum by Premier Research Labs.
It very easy to take.
√ I would recommend this item to a friend.
By Sheila
from chicago, il
Product good
D3 Serum by Premier Research Labs is a good product and tastes like olive oil. I like that it doesnt have any additives.
√ I would recommend this item to a friend.
By LJ
from Ithaca, NY
It really works
I had been suffering from an insufficient amount of vitamin D for some time and the tablets that I took from over the counter did nothing to improve the situation. I tried D3 Serum and with 3 months my blood lever of D was back to normal!!
It works!
its all good.
√ I would recommend this item to a friend.
By Deb
from San Diego CA
excellent product for a great price
Ive used D3 Serum for a couple of months at the suggestion of my health care provider. It has helped balanve my hormones eliminating night sweats and stabilizing my mood. Relatives in Northwest love it too.
Very bioavailable
Excellent price
Drop comes out very slowly
√ I would recommend this item to a friend.
By Karina
from everett, wa
D3 Serum by Premier Research Labs is a great product! Have been advised by my Naturopath to to take 10000 IU in the winter and 5000 IU in the summer so I liked this one cause I dont have to swallow more pills. Very fast delivery!
Easy to take; barely any taste.
Dropper is very slow.
√ I would recommend this item to a friend.
By Milligan
from Louisiana
USE WITH CORAL CALCIUM and ALOE PRO
I was diagnosed with Osteoporosis and started using D3 Serum with Coral Calcium and Aloe Pro. Together they keep the body alkaline and the aches in my arms has stopped.
√ I would recommend this item to a friend.
By martha
from Detroit, MI
Good product
I will buy D3 Serum again!
√ I would recommend this item to a friend.
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Displaying questions 1-2 of 2
on 9/22/2014
I wanted to know how am I supposed to take the liquid vitamin d3 serum is it on the tongue under the tongue or in a glass of water?A
on 9/24/2014
Hello, thank you for contacting PureFormulas. Each 0.46oz bottle of Premier Research Lab's D3 Serum has a recommended dosage of 1 drop daily taken with a meal' by inverting bottle at a 45 degree angle until a single drop emerge
- Rosa on 9/24/2014
Julie Lu
on 9/22/2014
what is the source product for Vit d 3 serum?A
on 9/22/2014
Good afternoon Julie, we unfortunately do not have this information available to us. Please contact the manufacturer of the item.
- David on 9/22/2014
Displaying reviews 1-2 of 2


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One of the great rock n' Roll band from the late 60's to early 70's. Most noted for born to be wild, though they put out a good ten studio albums
(music): You don't know what we can find! Why doon't you come with me.little girl, on a magic carpet ride! Musicly Inept Ignroramus: Dude! Why are you litleing to the hippie crap?!
by kaji February 29, 2004
title of a novel written by hermann hesse of a lonely intellectual trying to figure out his place in a world consumed in its own meaninglessness and worthlessness.
"Ah, but it is hard to find this track of the divine in the midst of this life we lead, in this besotted humdrum age of spiritual blindness, with its architecture, its business, its politics, its men! How could I fail to be a lone wolf, an uncouth hermit, as I did not share one of its aims nor understand one of its pleasures...I cannot understand what pleasures and joys they are that drive people to overcrowded railways and hotels, into the packed cafes with the suffocating and oppressive music...I cannot understand nor share these joys, though they are within my reach, for which thousands of others strive. On the other hand, what happens to me in my rare hours of joy, what for me is bliss and life and ecstasy and exaltation, the world in general seeks at most in imagination; in life it finds absurd. and in fact, if the world is right, if this music of the cafes, these mass enjoyments of these Americanized men who are pleased with so little are right, then I am wrong, I am crazy. I am the Steppenwolf who I often call myself; the beast astray who find neither home nor joy nor nourishment in a world that is strange and incomprehensible to him."
(quote from the novel)
(quote from the novel)
by Rara June 24, 2005
also known as a walking fart. an act in which every step you take results in the release of a fart. there can also be running farts or going up stair farts.
by AshleyRose March 13, 2006

subset: commoncrawl


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This traditional and popular folk song of unknown origins has been performed and recorded by among others Elvis Presley, Bob Dylan, Harry Connick Jr and Louis Armstrong. At the start of the 20th century it was the best known piece in the repertory of the Buddy Bolden band in New Orleans, Louisiana. In popular culture it has been featured many times in film and TV and it still to this day remains part of the standard jazz and blues repertoire. This can be used as lead sheet as it includes chords for easy accompaniment Duet Sheet Music for Accordion accompanied by Trombone arranged by Lars Christian Lundholm. Careless Love is also known by alternative title: a Bunch of Thyme, Worries on my mind, Crazy Arms. - Instrumentation: Accordion and Trombone - Level: Easy - Score Type: Solo Score - Tempo: Medium - Genre: Blues - Composer: Anonymous - Year Composed: Unknown Year - Pages (approximate): 4
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If you find anything wrong with this product listing, perhaps the description is wrong, the author is incorrect, or it is listed in the wrong category, then please contact us. We will promptly address your feedback.


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Elevated BP May Prematurely Age the Brain »
"Nov. 1, 2012 -- Having even mildly elevated blood pressure at midlife prematurely ages the brain, a new study shows.
Researchers say the early changes seen with higher blood pressure may set the stage for problems with thinking, memor"...
Read the Elevated BP May Prematurely Age the Brain article »
Cardene SR
No information provided. Please refer to the WARNINGS and PRECAUTIONS sections.
Last reviewed on RxList: 12/5/2016
This monograph has been modified to include the generic and brand name in many instances.
Cardene SR FDA Prescribing Information
Additional Cardene SR Information
Cardene SR - User Reviews
Cardene SR User Reviews
Now you can gain knowledge and insight about a drug treatment with Patient Discussions.
Here is a collection of user reviews for the medication Cardene SR sorted by most helpful.
Report Problems to the Food and Drug Administration
You are encouraged to report negative side effects of prescription drugs to the FDA. Visit the FDA MedWatch website or call 1-800-FDA-1088.
Get tips on handling your hypertension.


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Air conditioning under repair at Main Campus
By Victoria O'Connor
Communications and Customer Relations Representative, Office of Facilities
(June 4, 2009)--The temperature in UTSA Main Campus buildings may be warmer than usual until repairs are completed on two chiller units in the North Thermal Energy Plant.
Today's headlines
- La Prensa Foundation is newest member of UTSA Lone Star Society
- UTSA alumna Jordan Kaufmann wins $50K for new stent-graft start-up
- UTSA begins new way-finding sign installation this summer at Main Campus
- USA Today: UTSA long jumper Tyler Williamson rescues three-year-old boy
Article tools
UTSA facilities staff members and contractors are working diligently to assess the problems and make necessary repairs. Other chillers remain in operation, but do not have the capacity to maintain normal air conditioning.
For more information, contact Facilities Work Control at (210) 458-4262.


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Meditation in Action
40th Anniversary EditionThis classic teaching by a Tibetan master continues to inspire both beginners and long-time practitioners of Buddhist meditation. Chögyam Trungpa Rinpoche shows that meditation extends beyond the formal practice of sitting to build the foundation for compassion, awareness, and creativity in all aspects of life. He explores the six activities associated with meditation in action—generosity, discipline, patience, energy, clarity, and wisdom—revealing that through simple, direct experience, one can attain… Read More
Paperback$14.00+ Add to Bag


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ML-WR tops Lightning girls
The Northern Lakes girls' hockey team has two losses in their first five games – and both times they fell by 2-1 scores against Moose Lake-Willow River. The Lightning lost the season opener to the Rebels on the road, and then fell to ML-WR at home on Thursday, Nov. 29.
Northern Lakes, 3-2 overall, is scheduled to host Fergus Falls in a non-conference game at 7 p.m. on Thursday, Dec. 6, at Breezy Point Arena.
ML-WR 2, Lightning 1
Northern Lakes tied it when Megan Snyder netted an unassisted goal in the first period.
ML-WR scored the winning goal with 3:01 remaining in the second period when Andrea Youngberg made it 2-1.
"We came out ready to play in the first period, and we scored to get on the board early," Northern Lakes coach Kristen Harsha said of Snyder's tying goal. "It was a very physical game, and we played well on the penalty kill. Our girls should be proud of their efforts through the whole game."
Northern Lakes did enjoy a 38-27 edge in shots, but senior Kaitlyn Green made 37 saves to earn the win. Losing goaltender Kat Jensen recorded 25 saves.
The Northern Lakes junior varsity team won 6-0 as Lexi Danielson had two goals and two assists. Goaltenders Madison Galligan and Hailey Deutsch combined for six saves.
Moose Lake-WR 1 1 0 — 2
Northern Lakes 1 0 0 — 1
First period: ML-WR-Jessica Bird 8:58; NL-Megan Snyder 10:06
Second period: ML-WR-Andrea Youngberg (Bird, Georgia Ryan) 13:59
Shots on goal: NL 38, ML-WR 27
Goalies: NL-Kat Jensen (25 saves); ML-WR-Kaitlyn Greene (37 saves)
Lightning 9, M-B 0
Northern Lakes had one of the most lopsided victories in program history as they blanked Morris-Benson in a non-conference game on Tuesday, Nov. 27.
The Lightning won with three goals in the opening period and four in the middle session for a 7-0 lead.
Nine different players scored for the Lightning. Snyder and Stephanie DeGrote had two assists.
"The girls came out strong against Morris-Benson," Harsha said. "It was a good win against a young team. Our girls never let off the gas until the final buzzer."
Goaltenders Hailey Dutsch and Madison Galligan combined for 10 saves to earn the shutout. Northern Lakes finished with 41 shots on goal as Shianne Wold had 32 saves.
Morris-Benson 0 0 0 — 0
Northern Lakes 3 4 2 — 9
First period: NL-Erika Munson (Morgan Demars) 15:00, NL-Mariah Reed 5:37, NL-Alex Palm (Stephanie DeGrote) 1:17
Second period: NL-Courtney Kittock (Reed, Palm) 15:30, NL-Kaylyn Eggena (Megan Snyder) 13:52, NL-Kim Jessen (Snyder, DeGrote) 11:59, NL-Snyder (Eggena) 7:01
Third period: NL-Sam Bittner (Lexi Danielson, Mikaela Florey) 15:54, NL-Sam Gutzman (Kittock) 14:11
Shots on goal: NL 41, MB 10
Goalies: NL-Hailey Dutsch (4 saves), Madison Galligan (6 saves); MB-Shianne Wold (32 saves)


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Mix Monochromatic Prints
The guest room sitting area of our 2011 Idea House pairs several motifs within one color family for a cohesive look. Three different patterns, from preppy stripes to repeating florals and ikat dots mix easily thanks to sharing the same moss green hue and being paired with neutral, beachy elements, like the seagrass rug.
Get the look: The curtain fabric is Small Ikat in custom color from Lee Jofa. The chair fabric is Lizzie in Green from Lee Industries. The ottoman fabric is Lily in green from Lee Industries.
See the rest of the


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July 3, 2013
« Back
Sign up for member discounts, special pre-sale offers, behind the scenes access, and more!
Existing Customers - Accounts from the previous website have been maintained, so no need to sign up - just Sign In as usual!
Riverside East Rotary & The Old Farts Association Present the annual
"Show & Go Car Show"
Check out details here »
Car Show For A Cure is not just any car show—MHT Luxury Alloys is hosting this special event in honor of our dear colleague and friend's family member who is fighting a courageous battle against pediatric cancer.
Check out details here »
Chip will be with MHT Wheels at the National Street Rod Association Street Rod Nationals in Louisville, KY.
Check out details here »
The 2017 SEMA Show will be held at the Las Vegas Convention Center in Nevada. Chip's schedule will be posted near the start of the event.


text: The imposters go down again. I used to think it was mostly Van Gundy, who seems clueless about substitutions and rotations most of the time (not to mention offense), but I'm now starting to fully realize how dumb the Magic really are. The highest basketball IQ on the Magic wouldn't break the top six on the Celtics. Nothing I saw this morning talked about Carter's hand. He was clearly favoring it after whacking it on the floor when he fell in the 4th. I don't think he took two dribbles in a row with that hand the rest of the game. I also wonder if Howard's foul gets upgraded to a flagrant two today. There was no attempt to play the ball. The Celtics win again without any consistency among their top four. Rondo and Pierce were 18-32 but Allen and Garnett only shot 6-22. If all four ever shoot close to 50% in a game, watch out.


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I am regressing all my hives to small cell 4.9mm. I have been told that all "standard" foundation sold by the various suppliers is 5.4mm cell size.
To get the bees down to 4.9mm a step of 5.1mm is required before they will readily go down to the 4.9mm foundation.
In searching for a source to purchase some 5.1mm foundation I called MannLake about it. I was told that ALL their foundation is 5.1mm unless stated differently,
I can't find that claim anywhere in their catalog or on their web site. Has anyone measured their standard cell size foundation to determine its actual size? If their claim is true, they are missing a BIG selling point for it, IMHO.


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Someone who is very quick witted and evil when speaking in a conversation.
Baka-Chan is a devious conversatanist
by Samuron October 28, 2003
Cleveland Steamer Plush
The vengeful act of crapping on a lover's chest while they sleep.Buy the plush
A person who tempts you with sweet words and then leads the chat into sinful territory. Slyly uses innuendo and double talk to get you thinking lustily in what would have otherwise been a normal, friendly conversation.
"Peter in such a conversatanist! He asked if I knew the outcome of the match and next thing I know we're discussing MY World Cups!"
by El Phillippe! September 16, 2014


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NAFTA's Promise and Reality
On the heels of NAFTA's 10th anniversary, the Carnegie Endowment for International Peace released a report concluding that the North American Free Trade Agreement failed to generate substantial job growth in Mexico, hurt hundreds of thousands of subsistence farmers there and had "minuscule" net effects on jobs in the United States.
- whether NAFTA has achieved-or is on track to achieve-its policy objectives;
- what impact it has had on the lives and livelihoods of North Americans, particularly Mexicans; and
- what lessons can be drawn for future trade policy for the US and for developing countries that negotiate trade pacts with the US.
NAFTA's Promise and Reality: Lessons from Mexico for the Hemisphere (.pdf)
by John J. Audley, Demetrios G. Papademetriou, Sandra Polaski, and Scott Vaughan (2004)


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Honestly Brady has to be one of the most protected players in the NFL. Here is an article with videos which clearly demonstrate how he actually can persuade referees to throw flags even when nothing really happened.
Tom Brady Is A Soft Cry Baby Over Protected By NFL Refs
I also think Brady is super soft and a whiner every time he gets touched.


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Josh Blakley
Josh Blakley: Heart, determination of a champion
By Brian Hernandez
UTSA Associate Sports Information Director
(May 17, 2007)--UTSA senior Josh Blakley will be the first person to tell you he doesn't have the prototypical size or overpowering arsenal of pitches that Major League scouts look for in a pitcher. What the senior right-hander does have, however, is the heart and determination of a champion. A winner throughout his high school and collegiate career, Blakley has continued that trend, in this, his final season as a Roadrunner.
Today's headlines
- La Prensa Foundation is newest member of UTSA Lone Star Society
- UTSA alumna Jordan Kaufmann wins $50K for new stent-graft start-up
- UTSA begins new way-finding sign installation this summer at Main Campus
- USA Today: UTSA long jumper Tyler Williamson rescues three-year-old boy
Article tools
Entering this week's three-game series against I-35 rival Texas State, a series in which UTSA needs just one victory to clinch the No. 1 seed at next week's Southland Conference Tournament, the senior from Lorena has a statistical line that any pitcher in the country would crave.
Blakley is a perfect 6-0 with a save and team-best 2.37 ERA (third SLC) in 60.2 innings of work. He also has recorded a sterling 54-to-11 strikeout-to-walk ratio in his team-leading 24 appearances. A true middle reliever, the 6-foot-1, 195-pounder has gone at least four innings in eight contests this season and three in two others. His numbers in league play are even more amazing, as he ranks second in the conference with a 1.29 ERA to go along with his 4-0 mark and 32 punchouts in 35 frames. Blakley has not allowed a run in his last nine outings, which covers a span of 16.2 innings.
"I just go out there and compete every time I'm on the mound," Blakley said. "I know I'm undersized and don't throw hard, but pitching is more about throwing strikes and hitting spots. My job is to get us to the ninth inning with a chance to win."
A football player at heart -- he graduated as the leading tackler in Lorena High School history -- Blakley decided baseball was his ticket in college. It was a sound decision, considering he was coming off a senior campaign that saw him earn first-team all-state and All-Centex co-MVP honors (14-0, 0.87 ERA, .434 BA), as Lorena went undefeated (31-0) en route to the 2003 Texas 3A Championship. He is one of nine players from that championship squad that went on to play collegiately, as he signed with Blinn Junior College. However, he went as a third baseman and not a pitcher.
After a fall season that saw him struggle with the bat, the Blinn coaching staff decided to give him a try on the mound and the rest, as they say, is history.
Blakley went on to a stellar two-year junior college career that saw him post a 14-5 record and 3.21 ERA as a starter, including a sophomore season in which he earned all-conference honors. That year also saw Blinn go 45-16 and finish with a No. 3 ranking in the country.
Blakley is on pace to break UTSA's single-season ERA record. That grabbed the attention of the UTSA coaching staff and Blakley became a Roadrunners relief pitcher in 2006. He had a solid first season, recording a 3-2 record with a save and 3.32 ERA in 43.1 innings of work (24 games).
"Josh definitely gets the most out of his ability," head coach Sherman Corbett said. "He always has a plan and purpose when he takes the mound and does a great job of executing it. It's easy to overlook what he's done from the outside, but every one on this team and in the league knows how valuable he has been this season. We wouldn't be where we are right now without him pitching the way he has."
Blakley attributes his competitive drive and will to win to his father, David, who was his defensive coordinator in high school.
"My dad has always been my role model," he said. "He has always pushed me to be successful and is one of the best motivational speakers I've ever been around. I hate to lose and expect to be successful every time I take the field."
Blakley, who is on track to graduate in December with a business degree, hopes to get a shot at the next level when this year is over. If that doesn't work out, he'd like to give coaching a shot.
However, with the Roadrunners' first regular season conference championship in the bag, his focus is helping his teammates finish strong with a SLC Tournament Championship and trip to the NCAA Tournament.
"I want us to be one of the teams that Coach Marshall brings up when he gives us his thought of the day, one of the teams that players down the road look up to and remember."


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My point is that we should be able to discuss our agreement or disagreement with anything the FO does without some poster saying that "JR knows more than you" as some kind of blanket retort to end the discussion.
"Typical Morehead!"..................and he didn't even mean that as a compliment..
The big problem I'm seeing now is that most of the good players are free agents (Eli, JPP, and Nicks are the only critical players we have that are still under contract), and most of the underperformers are signed through the year already... We're not going to be able to sign all of Cruz, the Browns, Marty, and KP, which are the 5 high-priority Giants FA. We'd be lucky to get 3 of them. Because we got screwed over by all this restructuring...
I'm Commander Shepard, and this is my favorite team in the NFL.
we've invested $18 million a season (in 2013 cap dollars) between Rolle and Canty. and i think we have some dead money from restructuring rocky too.
any restructuring was what Reese was doing because of these FA signings that while they've been productive for us, haven't been good bang for our buck at all.
the Webby thing is also really screwing us. Webby Rolle and Canty = $27 million in cap $. That makes me sick. Sick.
Entire Team Let Eli down today - NYG4l
And losing Smith eventually led to us having Cruz and go on to win another SB.
Not to mention both Smith and Boss went on to do absolutely nothing in the league.
I'd call that pretty damn good management, wouldn't you?
Click on the individual to get the contract specifics. You save base salary and the first $150-250k of the "Misc. Bonus" which is typically the work out bonus (assuming you're cutting before OTAs). Signing bonuses and the remainder of the Misc. Bonus must be paid if cut.
This doesn't include any weirdness in the contract itself (such as deferrals and what not which are rarities).
At least that's how the aliens explained it to me.


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I tried doing a search, no success.
I need 1 more frame of foundationless honey to fill an order of cut comb so I went and pulled from a hive I'd left plenty of extra honey. I put it in the freezer and set at coldest setting. I need to deliver in the morning and I need to know if I take it out of the freezer at midnight, 8 hrs in freezer, will everything that needs to be dead, be dead? Then it will be room temp and dry surface by morning.
Thanks in advance.


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FOR IMMEDIATE RELEASE -- December 17, 2012
Contact: Kevin Kelly (573) 751-9300
The Commission's agenda meeting will be held in the agenda room which is located on the 9th floor of the Governor Office Building, 200 Madison Street, Jefferson City. The agenda meeting is scheduled to begin at 9:30 am. The agenda will be webcast at psc.mo.gov .


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Main Page | Risk Factors | Symptoms | Diagnosis | Reducing Your Risk | Treatment | Screening | Talking to Your Doctor | Living With Social Anxiety Disorder | Resource Guide
A risk factor is something that increases your likelihood of getting a disease or condition.
It is possible to develop social anxiety disorder with or without the risk factors listed below. However, the more risk factors you have, the greater your likelihood of developing social anxiety disorder. If you have a number of risk factors, ask your doctor what you can do to reduce your risk.
Risk factors for social anxiety disorder include the following:
Rates of social anxiety disorder are higher in people who have another anxiety disorder, such as general anxiety disorder, panic disorder or phobias, substance abuse problem (alcohol use disorder or drug addiction), bipolar disorder, hypochondriasis, or depression.
The disorder typically begins in childhood or early adolescence. It rarely develops after age 25.
Rates of social anxiety disorder are higher in first-degree relatives. Genetic influence is estimated to be between 30% and 40%.
People with asthma are at an increased risk for social anxiety disorder. People with the following conditions are also at increased risk:
Childhood experiences associated with an increased risk of social anxiety disorder include: physical or sexual abuse, early separation from parents, and difficulties in school.
Morris EP, Stewart SH, Ham LS. The relationship between social anxiety disorder and alcohol use disorders: a critical review. Clin Psychol Rev. 2005;25(6):734-760.
Schneier FR. Clinical practice. Social anxiety disorder. N Engl J Med. 2006;355(10):1029-1036.
Social anxiety disorder. EBSCO DynaMed Plus website. http://www.dynamed.com/topics/dmp~AN~T115906/Social-anxiety-disorder. Updated July 12, 2016. Accessed October 5, 2016.
Social phobia (social anxiety disorder). National Institute of Mental Health website. Available at: http://www.nimh.nih.gov/health/topics/social-phobia-social-anxiety-disorder/index.shtml. Accessed December 23, 2015.
Last reviewed December 2015 by Michael Woods, MD
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © 2012 EBSCO Publishing All rights reserved.
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text:
Remember The '70s? New Exhibit Is All About Glam
The Huffington Post | Priscilla Frank | Posted 02.05.2013 | Arts
Read More: Andy Warhol, Video, Glam Tate, Glam Tate Liverpool, Glam Art Show, Glam! the Performance of Style, Glam Andy Warhol, Glam Art Exhibition, Glam Art Tate, Glam the Performance of Style, UK Arts, Glam 1970s, Arts News


text: 08 Jul 2014 Pamplona bull run in pictures: The annual San Fermin festival in northern Spain Previous slide Next slide 1 of 19 View All Skip Ad Runners sprint in front of Dolores Aguirre fighting bulls at the Estafeta corner on Tuesday, the second running of the bulls. Dozens of people are injured each year in the 'encierros,' as the runs are called in Spanish. Most get hurt in falls. Reuters Back to image


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Duration: Duration times vary. Use the contact details below to enquire about this.
Location: Aston University, Birmingham
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|Topic Review (Newest First)
|Cheers I will try to get my CO2 working better, its stressful when I don't understand something 100% but as Zorfox mentioned about EI giving the plants a limited amount of nutrients, I guess in my mind plants used more nutrients than they actually do, but I will get back to my EI dosing and focus on CO2 and if I notice any deficiency signs i'll be back here lol. Thanks again.
Fuss with CO2, dosing ferts is a very simple matter.
Do not make more work and heachache for yourself.
Cheerz for explaining that all to me Zorfox, sorry if it feels like your repeating your self, just wanted to make sure that the lower end of EI is still sufficient enough for my tank as I am well planted, its good to know my plants wont be limited of nutrients I hope that to be the case once I get adding the K2SO4.
I have hopefully amended my CO2 issue as-well, which is on the DIY section, I have been keeping a close eye on my bubble count and my new mix is keeping it nice and stable at 2bps, I'm not sure how long it will take to see if its made a difference, not sure how quick algae dies off with correct CO2, but I will keep learning and gaining experience I hope from this forum
The K2SO4 you received was probably exposed to moisture. It shouldn't hurt anything. Just keep it in a dry area.
EI is a non limiting way to dose nutrients. A limiting factor is something that limits the growth of our plants. If we add more fertilizers than the plants need, nutrients will never be the limiting factor. The good thing about the fertilizers we use is that marginal excess doesn't cause problems with fauna or algae. We would have to dose many times higher than the recommended ranges before we see problems. So essentially as long as we are providing the low end of that range up to 3-4 times the top end it's all good. As I said EI is not an exact method. It was never intended to be. This is one of the reasons it confuses so many people. Forget about calculating exact ranges, deciphering uptake ratios, worrying if a teaspoon weighs 10% more than it should etc. Just get the range of each nutrient near the target and then worry more about the difficult things such as getting CO2 levels where they should be.
Just to add my K2SO4 arrived today some of it was clumped like a sugar cube, is this the texture of K2SO4?, I will be making my new batch tomorrow as my bottle now is near the end anyway, or I could just add 1/4 till I run out of my 500ml macro bottle.
Can I just ask as I was thinking, why would people dose higher in there tanks than needed, for example you said all the above measurements would work in my tank, Its strange how EI has such a big margin for error etc and you can dose little or lots more.
My tank has a lot of plants, so would my dose now compared to the larger doses still give me the same growth rates? I could not understand http://rota.la/ei/ as when I put in my ppm of stuff and w/c etc, it always says 90% uptake to begin with, if I added 20ppm of stuff for example there is no way it would be 90% uptake, I will keep messing around with it and try to understand, I could not find no where which explains it properly.
Also a pic of my tank if it helps.
Attachment 139674
I will still stick with what we said regarding the measurments, but just kind of trying to figure how come there is such differences in measurements, and as I have so many plants I thought maybe my uptake would be more, so larger ppm per dose may improve my growth rates? or is even the lowest dose enough for all the plants?
Thanks Zorfox I will just stick to what I dose now then and add the K2SO4.
I took a look at http://rota.la/ei/ and it looks to confusing for me to understand I don't even know where to begin on there which is a shame as I enjoy learning all this, but hopefully you have put me in the right direction and as long as my plants are getting the food they need I'm happy.
Hopefully my potassium deficiency will be fixed and then I can keep an eye on my plants and see what they tell me next.
Thanks for your help, once again.
|You would have to be very excessive to harm your fish. Many people far exceed the levels I posted without any problems. As far as your mixture, I would just add the potassium to what you are currently using. No need to waste what you have. If you want to play around with projected nutrient levels try, http://rota.la/ei/, to see what they will be based on plant uptake, water changes, dosing etc. For me at least it was the aha moment when I saw it graphically, then it all made sense.
Thanks Zorfox for your advice.
I guess I am over thinking it as I kind of like to understand everything 100% lol, that's why I try to follow everything I read or see, and the calculator was giving them measurements so I wanted to be sure on which one to follow before I make a new batch and find all my fish dead that was my main concern/worry
The reason EI daily confused me is because like you said, each dose of KH2PO4 will give me 0.60ppm so for the first dose I won't even be in the ppm range if that makes sense, and the time I get in the ppm ranges I will be removing 50% of the water.
So for me to understand this, as long as at the end of the week, my dosing is with in the ppm ranges, even if the first dose don't get me in range, it will still be giving the plants what they need as long as I reach the ppm ranges by the end of the week or come close, or even more.
Also just to add you said all the above dosing methods would work, is it possible that The Estimative Index calculations being the highest would harm/kill fish, or does EI have to be dosed really excessively to harm fish aka accident overdose etc.
I will probably make the batch you recommended or do what I'm doing now as I know my plants are happy apart from the potassium deficiency and then I'll just add the 18g K2SO4 like you said
You seem to be over thinking it. I'm guilty of this myself most of the time. The basics of the system are to keep the nutrients around the levels listed previously (even higher is okay). It also is to simplify the dosing regime and provide more than enough room for error. So take KH2PO4 for example...
According to the calculator for EI daily add 2.149g to your 500ml container. Each 18ml dose will bring PO4 up to 0.60ppm. Dosing on alternating days (3x/week) will give a level of 1.8ppm. The range is 1-3ppm or even higher. That's within range. Even if you use EI weekly the dose will not be too much. You can use either. The theory is to provide excess and reset each week with large water changes. Just go with the daily dose and add more if the plants need it.
So to mix your Macro bottle add the following,
KH2PO4 approximately 3G
K2SO4 approximately 18G
MgSO4 add the dose recommended by the seller since we don't know which form they used. Remember you may have magnesium in your water as well.
Dose 18ml of this every other day. The reason the doses aren't exactly as the calculator listed, ie 2.149g for KH2PO4, are because EI is not an exact dosing regime. The doses listed will be fine for your needs. No need to calculate things to death. All of the amounts you listed will work.
Just a update on this thread as I need some last advice please, as yesterday I purchased some K2SO4, so am now working out how much I will be needing to add to my 500ml solutuion at 18ml a dose 3x a week. The K2SO4 will be added to my Macro Solution. Sorry if this turns into a confusing/complicated essay but you can skip it all if you read my main question below and just answer that for me ( I also am not dosing KNO3 as you know but have used it below just for examples)
Anyway my MAIN question, on http://calc.petalphile.com/ do I need to follow the grams for EI Daily or The Estimative Index, I have seen this question asked by some people on here and no one replied to them so am I right in saying EI daily would be you add KNO3 each day at the grams it provides "18ml a day in my scenario", and the The Estimative Index provides the grams for 2-4x week which I will be doing 3x 18ml. I know me and Zorfox spoke about it, and I think we talked about EI daily but I am getting massive gram differences between the two which in is putting me out of the PPM ranges, a good example is MGSO4.
Here is an example of what I mean:
My Measurements recommended from where I purchased and what I'm dosing now minus the KNO3
KNO3 - 4tsp = 29grams = 7.11ppm per dose, (21.33ppm week)
KH2PO4 - 1sp = 9grams = 2.51ppm per dose = (7.53ppm week) Way To Much?
MGSO4.7H2O - 6tsp = 31grams = 1.22ppm per dose (3.66ppm week) Way To Low?
The Estimative Index From Calculator Below:
KNO3 Nitrate 30g 7.50ppm each dose (22.5ppm week)
KH2PO4 Potassium Phosphate 4.6g 1.30ppm each dose (3.9ppm week)
MGSO4.7H20 Magnesium Sulphate 126g 5ppm each dose (15ppm week)
EI Daily From Calculator Below:
KNO3 Nitrate 13.044g 3.20ppm each dose (9.6ppm week)
KH2PO4 Potassium Phosphate 2.1g 0.60ppm each dose (1.8ppm week)
MGSO4.7H20 Magnesium Sulphate 50g 2ppm each dose (6ppm week)
So EI daily would hardly get me in the ppm ranges at 3x a week, and The Estimative Index would get me in the ranges from the first dose, and keep me in the ranges roughly all week.
For some reason my starter kit has low MGSO4 even compared to EI daily, and MGSO4.7H2O The Estimative Index recommends 126g, I am only using 31g, so this what I mean by its quite scary for someone who is inexperienced, and I know I am making this more complicated, way more complicated, but do I go with EI daily or The Estimative Index.
If my Macro mix sounded right I could of just added 1/4 tsp K2SO4 to my tank 3x a week but I want my macro's all together in a solution, I guess this is why its become a little complicated and the way I have presented all this.
Also to try and answer my own question about the K2SO4, plantbrain recommended K2SO4 at 1/4tsp 3x a week, that's 7.98ppm a dose, (23ppm week) and my 18ml would be 41g into 500ml, 18ml 3x a week gives me 22.5ppm. So all in all am I right in saying The Estimative Index is correct for 3x a week.
PPM Ranges:
KNO3 - 5ppm-33ppm
KH2PO4 - 1-3ppm
MGSO4 - 5-11ppm
K2SO4 - 9-33ppm
My Tank
90 litres - 20G
Think there correct from the "Yet Another Nutrient Calculator"
Also thanks jfynyson thanks for your input, I only really needed to know the estimated teaspoon weight just to see how much grams I was dosing so http://calc.petalphile.com/ could tell my ppm each dose, the link zorfox provided is quite close with teaspoon weights but as I learned on my scales each teaspoon can fluctuate a gram or two or my scales are busted lol.
|ok so the reply post messed up my formatting. PM me and I can send you a spreadsheet.
As far as the conversions you list. Technically speaking each salt will weigh different based on it's bulk density. Example a teaspoon of lead will weigh more than a teaspoon of feathers.
So, to take care of this issue I normalized it. I said in general if a solid oz weighs 28.35g and then convert that into tbls & tsp. See below:
g / 1 tblsg / 1 tsp14.184.731 solid oz (28.35g) is equivalent to 2 tablespoons (or 1 tablespoon is 14.18g)1 solid oz (28.35g) is equivalent to 6 teaspoons (or 1 teaspoon is 4.73g)1 teaspoon is 1/3 of a tablespoon or 3 teaspoons per tablespoon
So therefore according to EI dosing I converted the following:
100-125gal Dose 3x per WeekWt (tsp)Wt (g)KNO31.507.10KH2PO40.502.37K2SO40.502.37Plantex CSM+B0.502.37
Keep in mind a solid oz is not a fluid oz which would have to take into account the density or specific gravity.
Originally Posted by Zorfox View Post
Yes it's fine 3 x 7.5 = 22.5ppm in a week. The range is 10-30ppm. See the wiggle room? lol
Thanks Zorfox
I will use my measuring scale when I make my new Macro Mix which does grams.
I just wanted to know the teaspoon weights to get a idea of how much I am currently dosing as the shop I purchased from just told me to add 1tsp then 4tsp etc.
When I make my new Macro Mix following the calculator I will be able to see how much more/less I am adding which will be interesting.
Also thanks to the calculator I can see where I am in the weekly ppm ranges. I guess it don't matter if I'm on the low end or high end. but hopefully the calculator recommended ppm's will put me in the right direction.
Thanks for all your help.
Originally Posted by Jafooli View Post
I was actually wondering where Zorfox got this information and how I can find it:
Potassium Nitrate (KNO3) 1 teaspoon = 5,200mg
Potassium Phosphate (KH2PO4) 1 teaspoon = 5,800mg
Magnesium Sulfate (MgSO4.7H2O) 1 teaspoon = 5,100mg
Remember, the weights for teaspoon can vary quite a lot. I think it's close enough for EI dosing though.
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Home › Forums › Gear Forums › Gear (General) › Rain pants advice – Montane Minimus?
Jan 27, 2013 at 12:11 pm #1298480
I'm looking to buy some rain pants for use in cooler wet weather and wanted to see if any body has experience with the Montane Minimus rain pants or similar? Specifically, are a pair of 4.4 oz rain pants going to shred after a couple uses? I don't expect to be bushwhacking in them, but I also want to be able to climb over a downed tree or sit down without having to worry much about destroying them.
I currently live in AZ where they'll likely spend a good portion of their time in my pack, but I'll be doing some hiking in northern Utah and Oregon late this summer. Additionally, work is moving me to Oregon in 9-12 months where I expect they'll see frequent use.
Another pair I'm looking at are the Montane Atomic DT rain pants. From what I've read, these seem to be pretty durable and only weigh 6.8 oz. Would I be gaining much for the weight penalty here? Any others to consider?
Only looking for pants suggestions here – I'll use a rain wrap or nothing in warmer weather, but not when it's cold and windy out.Jan 27, 2013 at 2:20 pm #1947741
Stuart ArmstrongMember
@strong806Locale: Near the AT
Take a look at the Sierra Designs Microlight pants for 6.4 ounces (Large) with built in stuff sack. They are pretty substantial for the weight and I have not had any durability problems. I use these as shell pants to sleep in when it gets cold.Jan 27, 2013 at 5:09 pm #1947783
Thanks, I had not realized the Sierra Designs Microlight rain pants were so light. I am concerned though that they are not advertised as being water proof, although maybe all they need is some seam sealant.Jan 27, 2013 at 7:05 pm #1947825
Stuart ArmstrongMember
@strong806Locale: Near the AT
I have not hiked in sustained rain with them, but they have kept me decently dry during afternoon showers.Jan 27, 2013 at 8:17 pm #1947844
steven franchukMember
The Sierra Designs Microlight is listed as waterproof on the Sierra Designs web site but They also state it has a 600mm hydrostatic head. 600mm is way below waterproof so it is only water resistant. The REI website lists it as a wind shell. Based on a quick look of the reviews on the RF website for the microlight jacket a lot of people have purchased it thinking it is waterproof but finding that it is not during sustained rain.Jan 27, 2013 at 11:14 pm #1947897
Ben SmithMember
@bsmith_90Locale: Epping Forest
John – I love my pair! They're thicker than I originally thought they were going to be and I don't worry about sitting on a rock etc. They can feel a bit sticky when I wear them just over shorts though. YMMV.
BenJan 28, 2013 at 3:28 am #1947911
Jacob SmithBPL Member
@wrongturnLocale: The Soda
What about Zpacks rain pants?Jan 28, 2013 at 3:35 am #1947912
Mikhail KozhevnikovMember
@mkozhevLocale: Russia
I'd second Ben's experience reg minimus pants. Sticky sometimes, but really light, waterproof and durable (for their lightness). Had/used them for over 6 months now, no tears – neither on my part, nor on the pants' :)Jan 28, 2013 at 4:51 am #1947917
Dan DurstonBPL Member
@dandydanLocale: Cascadia
I've got one small hole in in the calf area of my minimus pants from a pointy broken branch. I also cut off the velcro flaps that go over the ankle zips to tighten the ankles. The system doesn't seem to work that well without the additional snaps found on the Atomic DT pants, and it gets in the way when using the ankle zips.
I think they're a decent UL slanted compromise between durability and weight. I don't worry about sitting on rocks, but they wouldn't last 5 min exposed to ski edges. I'd probably look at the Atomic DT's for more of a bushwacking pant.Jan 28, 2013 at 7:03 am #1947943
Awesome, thanks for the info guys! I don't plan on using these pants for skiing, but I'm guessing they'd do okay for hiking through snow? I will probably just end up buying the Minimus and see how they work out, but the Atomic DTs are still tempting considering how often I end up hiking through overgrown trails.
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Online Banking is an Internet-enabled service provided to our customers. By using Online Banking your personal Password and Access ID, you can:
Available services may be added or cancelled at any time. We will update this Agreement to notify the existence of new services. By using these services when they become available, you agree to be by the rules contained in this Agreement.
You can use Online Banking seven days a week, 24 hours a day. However, from time to time, some of Online Banking Services may not be available due to system maintenance. During such times, you may use 24-Hour telephone banking (our automated 24-hour service, at (619) 239-1785).
Limitations on Funds Transfers From Money Market Checking and/or Savings Accounts
Pursuant to federal regulations, you are limited to the number of certain transactions you can make on your Savings and/or Money Market Checking Accounts.
For Savings Accounts you may make no more than six (6) transfers to another account or to a third party by pre-authorized, online transfers, telephone transfers, fax request, and ACH (Automated Clearing House-electronic transactions) per month.
For Money Market Checking Accounts, you may make no more than six (6) transfers to another account to a third party by pre-authorized, online transfers, automatic transfers, point of sale (POS), telephone transfers, fax request, voice response requests, and ACH (Automated Clearing House-electronic transactions), of which only three (3) may be checks, per statement cycle.
Online transfers are transactions between accounts initiated through Online Banking. Telephone transfers are transfers between accounts initiated by a personal telephone call or by using our 24-hour Telebanking. Pre-authorized withdrawals are transfers made according to a specific agreement between a customer and us or another party. (Examples of preauthorized withdrawals are regular electronic payments from savings made to a third party, such as health clubs, insurance companies, etc.) Check access refers to any checks you write on your Money Market account.
Disclosure of Information to Third Parties
We will disclose information about your account to third parties only when one of the following conditions exist:
We may disclose information about your account to account verification services, such as FIS (FKA ChexSystems Inc. ®). If we close your account because of your unsatisfactory handling, fraud or attempted fraud or criminal activity. Information we report usually includes your name, address, Taxpayer Identification Number TIN, driver's license number and the date and reason the account was closed. The account verification service may supply this information to others. This may adversely impact your ability to establish an account at another financial institution for up to five years from the date of our report.
Information concerning your account history with Neighborhood National Bank will be shared within the Neighborhood National Bank organization only. Other information, including information you have given us as part of an application for one of our products or information we have received from a credit bureau or other third party, may be shared within Neighborhood National Bank organization and with bank regulators.
You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account. If you currently receive a quarterly statement, when conducting on-line transactions you agree that we may change your statement to a monthly cycle to comply with Federal Regulations.
If you have arranged to have direct deposits made to your account, you can review your account history using Online Banking or call us at (619) 789-4400 or (619) 239-3360 during business hours or (619) 239-1785 (telephone banking) to find out whether or not the deposit has been made.
Preauthorized Payments
If you have told us in advance to make regular payments (preauthorized payments) out of your account you can stop any of these payments. Here's how:
You may notify us verbally during regular business hours or write us:
Neighborhood National Bank
3511 National Avenue
San Diego, CA 92113
(619) 239-3360
Neighborhood National Bank
1717 Sweetwater Road, Suite A
National City, CA 91950
(619) 789-4400
At least three (3) business days or more before the schedule date of the transaction. If you make a verbal request, we may require you to notify us in writing fourteen (14) days of the verbal notification. (See your Terms and Conditions for Electronic Funds Transfers and/or Schedule of Fees and Charges, prior receipt of which you acknowledge, for stop payment charge).
Account to Account Transfers
If you have established two or more deposit accounts with Neighborhood National Bank and use the online transfer feature provided as a convenience to you, it is believed to be in good faith by an authorized person.
A transfer made in a session that ends before 5:00 p.m. from any eligible account shall be made from collected funds and shall be available for withdrawal from the account into which the transfer is made as of the next banking day.
Our Liability for Failure to Make Transfer
Neighborhood National Bank agrees to make reasonable efforts to ensure full performance of Online Banking. Neighborhood National Bank will be responsible for acting only on those instructions sent through Online Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Neighborhood National Bank is not responsible for any losses incurred should you give incorrect instructions, or if your transfer instructions are not given sufficiently in advance to allow for timely processing.
Any Information you receive from Neighborhood National Bank or other information providers is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Neighborhood National Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.
Neither Neighborhood National Bank nor other information providers are responsible for any computer virus or related problems, which may be attributable to services provided by your internet access provider.
You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. Neighborhood National Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.
Except as otherwise provided in the Neighborhood National Bank's responsibility section below, and in the absence of negligence on the part of Neighborhood National Bank neither Neighborhood National Bank, any Other Information Provider, nor Other Software Supplier is responsible for any direct, indirect, special, incidental, or consequential damages arising in any way out of the use of Online Banking.
Neighborhood National Bank's Responsibility
Neighborhood National Bank will be responsible for your actual losses if they were directly caused by our failure to:
However, we will not be responsible for losses if:
There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and not be liable for any incidental or consequential damages.
If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may have been completed or to correct or to incorrect transactions that have been processed.
In Case of Errors or Questions About Your Electronic Transfers (Consumer/Personal Accounts Only)
In case of errors or questions about your electronic funds transactions, or if you think your statement receipt is wrong or if you need more information about an EFT listed on your account statement or receipt, contact Neighborhood National Bank at:
Neighborhood National Bank
1717 Sweetwater Road, Suite A
National City, CA 91950
(619) 789-4215
We must hear from you no later than (60) days after we have sent the FIRST statement on which the problem or error appeared. We will need you to provide to Neighborhood National Bank the following information.
If you tell us verbally, we may require that you send us complaint or question in writing within (10) business days
We will tell you the results of our investigation within ten (10) days (twenty (20) business days if the account is still in its new account period after we hear from you) and will correct any error promptly. If we need more time, we may take up to forty-five (45) days or ninety (90) days if the account is still within its new account period, POS or a Foreign transaction to investigate your complaint or questions. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days the account is still within its new account period) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.
Regardless of the outcome of our investigation, we will send you a written explanation of our findings within three (3) days after we complete our investigation. That explanation will include a notice of the date after we complete our investigation. That explanation will include a notice of the date and the amount of the item in question. If our investigation reveals that no error occurred and we debit the provisional credit, we will continue to honor any third party checks or pre-authorized transfers for a period of five (5) business days to the extent that they would have been paid if the provisional had not been debited.
We will send you a written explanation within three (3) business days following our decision based on our investigation. You may request copies of the document that we used in our investigation.
Liability for Unauthorized Use (Consumers/Personal Accounts Only)
If you believe that your Password and/or Access ID (including ATM/POS card or PIN), has been lost or stolen or discovered by an unauthorized person and you notify us within two (2) business days of the loss or theft, you can lose no more than $50. If you do NOT notify us within two (2) business days after learn of the loss or theft of your Password, Access ID, ATM/POS Card or PIN, and we can prove that we could have prevented someone from accessing your accounts via one of the above without your permission, you could lose as much as $500.
Also, if your statement reflects any EFT's that you did not make or authorize, notify Neighborhood National Bank AT ONCE. Failure to notify the Bank within (60) days after the statement was mailed to you may result in zero compensation for any losses you sustain if Neighborhood National Bank can prove that we could have prevented someone from accessing your account(s) if you had notified us in time. If a good reason (such as a long trip or hospital stay) prevented you from notifying the Bank, we will extend the time periods.
If you authorize someone else to use your Password, Access ID, PIN, you are responsible for all transactions, which that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorize.
5. Bill Payment Service
Bill Payments
When you transmit a bill payment instruction to us, you authorize us to transfer funds to make the bill payment transaction from the account you designate. We will process the bill payment transfer request only to those payees designated in the User Instructions and such payees as you authorize. We will not process any bill payment transfer if the required transaction information is incomplete. Please allow five (5) business days for processing any new or changed bill payment instruction.
Payment Policy
If there are insufficient funds in your account to make the bill payment request, we may either refuse to make the payment, make the payment and transfer funds from any overdraft protection account you have established, or make the transfer or payment and overdraw your account. If there are available funds to cover some, but not all, of the bill payment request, we may process the bill payment request for which there are sufficient available funds in any order we may choose at our sole discretion. In accord with your deposit account agreement, you are responsible for any non-sufficient funds (NSF) and overdraft charges that may apply. We reserve the right to refuse to process payment instructions that reasonably appear to us to be fraudulent or erroneous. We will withdrawal the designated funds from your account for the bill payment transfer by midnight of the processing date.
Scheduling Payments
It is your responsibility to schedule your bill payment in such a manner that your obligations will be paid on time. You should enter and transmit your bill payment instruction through Internet Banking at least seven (7) days before the payment due date. You are responsible for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely bill payment authorization. We give payments made through the Internet Banking service a confirmation number. The stop payment terms found in the Deposit Account Agreement and Disclosure are not applicable to Internet transactions. If the payment you wish to stop is made by a paper check and we have already paid the check, it is not possible to stop payment. In these situations, you must comply with the stop payment terms found in the Deposit Account Agreement.
Stop or Change Payments
You may cancel or edit a bill payment instruction under certain circumstances. If you discover an error or want to change a payment instruction (i.e. payment date or payment amount) for a periodic or automatic bill payment you have already scheduled for transmission through the Online Banking service, you may electronically edit or cancel the request as long it is as prior to the processing date.
6. Provisions Applicable To Businesses
You agree that we may send notices and other communications to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that Neighborhood National Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business.
You agree to:
The Bank Will Have No Liability To You For Any Unauthorized Transfer Made using your Password That Occurs Before You Have Notified Us Of Possible Unauthorized Use And We Have A Reasonable Opportunity To Act On That Notice
By Using the Online Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions, which are commercially reasonable. You agree to be bound by your instructions, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).
If we fail or delay in making a transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount which we failed to transfer, calculated from the date on which the transfer was to be received until the date it was actually made or you canceled the instructions.
If we make payment or transfer in an erroneous amount which exceeds the amount per your instructions, if we permit an unauthorized transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed (60) day's interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each interest is due, computed on the basis of a 360-day year. UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT WILL THE BANK BE LIABLE TO YOU FOR SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ATTORNEY'S FEES, EVEN IF WE ARE ADVISED IN ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.
7. Office Of Foreign Asset Control
Under the Bank Secrecy Act, the Bank is prohibited from transacting business with person or entities listed as "blocked" by the Office of Foreign Assets Control (OFAC). The official listing is published in the Federal Register and updated from time to time. You agree not to transact business with persons or entities blocked by OFAC.
8. Fees And Charges
Online Banking
There are no fees or charges for accessing your account through Online Banking. Other fees, as described in your Schedule of Fees and Charges (prior of which you acknowledge), may apply to services you order online.
9. Other General Terms
Other Agreements
In addition to this Agreement, you agree to be bound by and will comply with all terms and conditions applicable to each of your accounts with Neighborhood National Bank, as described in your Schedule of Fees and Account Terms and Conditions Agreement, which you received at the time your account was opened. Your use of the Online Banking is your acknowledgement that you have received these agreements and intend to be bound by them.
In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All heading are intended for reference only and are not to be construed as part of the Agreement.
Modifications to This Agreement
Neighborhood National Bank may modify the terms and conditions applicable to Online Banking from the time to time upon mailing or delivering a notice of the modifications to you at the address shown on your account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law.
Right to Terminate Agreement
Neighborhood National Bank reserves the right to terminate this Agreement and our access to Online Banking in whole or in part, at any time.
Inactivity Status
If you do not access Online Baking any consecutive sixty (60) day period your password will convert to inactive status. If your password becomes inactive, you must contact us to have the password re-activated before you will be able to access Online Banking or schedule any transaction.
This Agreement will remain in effect until it is terminated by you or Neighborhood National Bank.
You understand that you may cancel this Agreement at any time by notifying Neighborhood National Bank electronically or by mail at the address provided below. This will cancel Online Banking, but will not terminate your accounts with Neighborhood National Bank.
You may notify Neighborhood National Bank by one of the following methods:
Neighborhood National Bank
1717 Sweetwater Road, Suite A
National City, CA 91950
Neighborhood National Bank Liability
Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Neighborhood National Bank, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), or by Internet Access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for an direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online Banking, or Internet browser or access software
We invite you to print a copy of this Online Banking Disclosure and Agreement and retain it for our records. You may also request a copy of this Agreement be mailed to you. To do so, call us at (619) 789-4215 during business hours.
To enter this secured site you may have to upgrade your browser by clicking here. By logging on you agree to abide by the terms and conditions set forth in the Online Banking Agreement and Disclosure.
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text:
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I found this site today and it looked like I could learn a lot here so I joined up. I live about 15 miles south of Indianapolis. I have 4 nucs ordered and a wonderful hubby who has been busy in the woodshop building hives. This will be my first year. I got bit by the "bee bug" last year after watching the hives a friend of ours brought out to our produce farm. WooWee! Were we ever swimming in cucumbers last year and the pear trees were loaded! We also have a nice sized strawberry patch and will be planting raspberries this year. The bees should like that huh? I am looking forward to my first year as a beekeeper instead of just a beewatcher.


text:
There are no upcoming dates that are available for online registration in the immediate future. Please check with the event organizer for more information.
According to the American Red Cross, every two seconds, someone in the United States needs blood. That's more than 41,000 blood donations needed every day. The only source of blood is volunteer blood donations and a single blood donation can save up to three lives. If every eligible donor donated at least twice a year, there wouldn't be seasonal blood shortages.
In response to this ongoing need, we host community blood drives throughout the year at our campuses in Atlanta, Alpharetta, Cherokee and Forsyth. As long as you are healthy, weigh at least 110 pounds and are 17 years or older, you can give blood every 56 days.
For more information or to schedule an appointment, please contact:
Atlanta & Alpharetta: Mandy Snavely, (770) 667-4010, email@example.com
Cherokee: Tracy Posey, (770) 720-5117, firstname.lastname@example.com
Forsyth: Glenda Cronan, (770) 844-3400, firstname.lastname@example.com
For information about scheduling a blood drive at your organization, call Northside's Corporate and Community Health Solutions at (770) 667-4036.
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1000 Johnson Ferry Road NE
Atlanta, GA 30342
(404) 851-8000
450 Northside Cherokee Blvd.
Canton, GA 30115
(770) 224-1000
1200 Northside Forsyth Drive
Cumming, GA 30041
(770) 844-3200