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A few years ago, I was a member of a committee for which a friend of mine was the Chair. As so often happens, the members of the committee, myself included, strayed from the original topic and began arguing over the trivialities.
My friend listened to us argue for a few minutes, but then interrupted the committee members. "A few years ago, I learned what was really important and what was not, and this, my friends, is not important."
Immediately, there was silence. The event my friend alluded to was the death of his daughter in a car accident. Everyone refocused their attention on the real issue, rather than the extraneous ones about which we were arguing.
There are those events or times in your life which refocus your attention on what really matters.
Often with caregiving, especially with a chronic illness like Alzheimer's, we get lost in the extraneous issues. Family members, all under stress, have different views on how best to care for the loved one or how best to handle his or her affairs.
Sometimes, self-interest and greed sneak in, but more often, there are several family members all seeking the person's best interest, but their views and opinions are colored by grief, guilt, fear, exhaustion, unresolved issues, sibling rivalries, etc.
I've watched families torn apart by these arguments, and in some cases, the rifts never are repaired.
The families I've known who ended up in these messes didn't wake up one morning and decide to have a relationship-ending argument. It usually is the culmination of issues which have been brewing under the surface for some time, never directly addressed.
The healthiest thing to do is to deal with things directly before they get to that point. If there are relationship issues, talk about them. If necessary, seek help from a licensed family therapist.
If money or the disposition of the estate is the issue, enlist the aid of an elder law attorney. In larger cities and in law schools around the country, the federal government funds elder law clinics which offer services free of charge to seniors. You can contact your state bar association to get information about a clinic in your area.
One of the most common problems in families caring for people with Alzheimer's is their constant desire to correct the Alzheimer's patient. My advice is always this: Before you argue, ask yourself if it matters. Usually it doesn't.
My advice to families arguing about care issues or estate issues is the same. Before you speak, ask yourself if it really matters.
I also would add this: Ask yourself if you are too angry to speak about it right now, if you might say something you could regret later. If so, take some time to cool your temper.
It is much easier to step away from an argument or keep an argument from escalating, than to attempt to mend un-mendable fences later.
Our two families have had their fair share of disagreements over caregiving. Given our 8 family members who have had Alzheimer's or some other type of dementia, it would impossible to have had smooth sailing throughout those years.
However, I have found that forgiveness, understanding, compromise and humility have proven to be of much more use than winning an argument or being "right."
In the end, family is the most valuable thing any of us possess. Love is what motivates family caregivers to devote years of their lives to this extraordinary service.
Let love be your aim. When you focus on love, lesser issues fall into their proper place.
September is World Alzheimer's Month. Across the globe, 35 million people and their families are affected by dementia. It's going to take all of us to change these numbers. Visit the Alzheimer's Association for three easy ways you can get involved and help end Alzheimer's.
Image credit: Seanwes


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Pat steak dry with paper towels and sprinkle both sides with TABASCO® Garlic Sauce and salt to taste. Heat oil in a heavy skillet over medium heat; add steak and brown well on both sides, about 10 minutes.
Add 1/2 cup water to skillet, cover tightly and cook over medium-low heat until fork-tender, about 1 hour, adding more water as needed. Remove from skillet and cool. Cut steak in half across the grain, then shred into thin strands; you should have about 3 cups meat.
Combine tomatoes, radishes, onion, cilantro, lime juice, TABASCO® Habanero Sauce, and shredded beef in a large bowl and mix well. Season to taste with about 1 teaspoon salt. Cover and let stand at room temperature while preparing dressing, preferably no more than an hour.
Combine all dressing ingredients in a blender and process until smooth. Pour into a jar and shake well before using. Makes about 1 cup.
Toss beef with half of the dressing. Toss salad greens with remaining half of dressing and arrange on 4 plates; top with beef mixture and serve immediately.
Makes 4 servings.
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subset: commoncrawl


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Your comments on the "Scotland's secret shame' programme, first broadcast on Sunday, 27 February 2005.
The views expressed on these pages are not necessarily the views of the BBC. The e-mails published will be reflective of the balance of opinion received.
Rangers and Celtic fans sign bigoted songs at every game they attend it doesn't matter who they play. The songs that they sing are never going to change mainly due to the fact that these are the only songs that these people know. The bigots don't care who they hurt young or old. It is no longer about the religious basis of the teams it is part of every day life for these fans who use history as an excuse.Catherine, Perth, Scotland
How sad that this beautiful green land is being corrupted by the vilest of bigotry and hatred. What a sad reflection on so many good people who live here. And having lived opposite a pub which carries a very strong allegiance for one particular football club, I have seen first hand the hatred and intolerance spilling out onto the street, often with violent and - sometimes - fatal consequences. Scotland's secret shame? No - its a very public shame.Jack Scott, Glasgow, Scotland
Sectarianism in the West if Scotland is more than Rangers and Celtic. This programme gave a simplistic and unfair representation of the issue.Colin Atkinson, Glasgow
The programme has put the everyone at the higher level of both football clubs to shame at their dodging of questions, especially David Murray being asked if he was ashamed of bigots. The local media (especially radio) bury the sectarianism heard and try to sweep it under the carpet. Unfortunately with the attitude shown in the programme it's going to be a long time until this is sorted out.Andrew Fraser, Glasgow
This is not a Scottish problem! The West Coast and Glasgow: certainly! In all my years in Dundee I've never heard of any of the issues raised happening. The entire programme kept banging on about "Scotland's secret shame". Tripe! Stewart Lawson, Scotland
I watch your programme and I think it was very good but all this talk to stop bigotry will never ever stop and if it did stop it would take the excitement out the game!Chris Mcd, Glasgow
Jack McConnell spoke very impressively about getting rid of bigotry in rising generations. Which makes me wonder why his executive is still so hell-bent on funding separate Protestant and Catholic schools?Ian Johnston, Castle Douglas, Kirkcudbrightshire
A very good programme but I was a bit surprised to see the Irish national anthem being sung in contrast to "The Sash" without an explanation of what it was. I would recognise that it can be used to taunt Rangers supporters but I feel that the programme should have explained that it is the Irish national anthem and not just any other "sectarian" song. I would hate for viewers to think that if they hear that national anthem they are hearing sectarianism - this is not always true. Just as hearing the UK national anthem doesn't mean that its singers are racists but the context could mean that they may be at times - for example during a march by far right-wing "white" nationalists.Mark, Cardiff, Wales
Thank you for making this programme. I love Glasgow, but this is a big ugly stain on the city that needs sorted out... it's been allowed to go on for far, far too long.Rob L, Glasgow, Scotland
It's very simple: football provides the opportunity for sectarian hatred. Unless the clubs themselves take responsibility for outlawing sectarianism, BAN FOOTBALL.Janey, London
If you have to arrest everyone at a football match you are taking away at least 75% of the fans.Colin MacDuff, Glasgow, Scotland
These are not 90-minute bigots, I heard these derogatory remarks against both catholic and protestants every day of my life while living in Scotland, and I have never been to a football match. Expressions mentioned in the programme are not confined to adults, walk about the streets of Glasgow or Greenock and you will hear 10 year olds and under using the same expressions on each other.James Milligan, Manchester
Sectarianism is only a excuse use for both of the fans and the history that it stems from means nothing to most of them. If there was no sectarianism it would just be something else that was used as a tool to hate the other team. It happens all over the world at football matches and will continue to happen in 'Old Firm' game even if the religious hatred is gone.Graham, Dunfermline
The programme was accurate. I believe football is at the heart of the bigotry. 15 years ago I spoke up against blatant football bigotry being expressed at my workplace (being made by Rangers supporters against Celtic). I was sent to Coventry for this by my so-called workmates. I am not a Catholic. I am not a Celtic supporter. Football has a lot to answer for. I have made sure my son has as little to do with football as possible.David McDougall, Linlithgow
The programme was interesting regarding an outsider's prospective of the problem but like Colin said far too simplistic. Major blame should lie with our country's school. After just leaving my Catholic high school after 6 years just 2 years ago, hindsight has allowed my to realise sectarianism isn't merely taught at home but breed in Scotland's schools. I think the separate schools should be scrapped although at the moment this is unrealistic.Stephanie, Hamilton
These songs are never going to die. They are here to stay. 90% of people who attend Old Firm matches are simply trying to get behind their team and frustrate the rival support. I agree that there is a problem when it over heats and turns into violence with people's lives endangered but the thrill of the Old Firm game, the passion, the tension, the atmosphere... simply cant beat it.Steven Stewart, East Lothian
This has been going on for years and the reason why Celtic and Rangers clubs are massive is due to the sectarian rivalry. Sectarianism is making money for the clubs and, being from Northern Ireland, is a tradition on both sides. I think what the programme did leave out is the problem which Glasgow has with drugs and alcohol related offences. The programme made the problem worse than it really is. I have been to loads of matches and never seen a fight. It's the drunken battles late at night that are the problem. Rob , Northern Ireland
I'm not a football fan, and I rarely visit the west, but I could not believe that this level of hatred exists in my country. I applaud the First Minister's attempts to resolve this deep rooted madness which is clearly founded on ignorance. I think the only hope is the next generation and a first step should be the abolition of church schools.David Watson, Edinburgh, Scotland
A lot of the violence may have an undercurrent to do with football, but what the program fails to mention is the level of alcohol that is involved also. This however cannot condone the mindless acts. I feel it is fair to say that it will never be eradicated.Stephen, Glasgow
The main problem is 90-minute bigots. There is violence after almost all major football matches, and local derbies. People do attack each other because of what team they support, not just with Rangers and Celtic, but with many other teams and clubs too. Football induces a lot of passion in people, when passion and alcohol are combined, violence will often follow.
At the end of the day, the problem stems from social deprivation, which is especially prominent in the west of Scotland. This fundamental problem needs to be tackled, in order to make lasting changes in attitudes across the board. David Gammie, Glasgow, Scotland
Very easy to see that it's the clubs themselves that bury their heads in the sand and won't adequately censor their fans. Never a mention of closing the grounds for this sectarian abuse. Money talks. They are both a disgrace and fully see their respective "fans" doing this week in and week out.Andy Dyke, Paisley
The bigotry and sectarianism in Scottish football are simply extremes at the far end of the spectrum of ignorance that we also see in English football. I'm sure the Panorama journalist's stomach would also turn if she attended any number of games on Merseyside, Lancashire, Teeside or London. Glasgow is an extreme, yes, but sectarian-based attitudes continue to haunt these Isles in ways that many are even unaware of!Ivor, London
Having just watched the program, I felt very sick and ashamed to be Scottish. This is a huge problem that I cannot see getting better and the attitude of the clubs involved is not helping. For David Murray to say he has not seen Rangers fans doing the red hand of Ulster just shows the head in the sand attitude of both clubs! It should also be remembered that each week the planes and ferries are full of bigots coming over from Northern Ireland and Eire. Why?Scott, Ayr
Both Old Firm clubs had the opportunity to once and for all denounce the bigots and they didn't. David Murray couldn't say that he was ashamed of people who use his business to promote religious hatred, he should be ashamed of himself. Both clubs have shown their true colours: They are only paying lip service to the law.Mark Smith, Dunbartonshire.
The programme done a great job & embarrassed both clubs. Neither club could not quite say that the action of the supporters was unacceptable. There are a lot of 90 minute bigots (on both sides) who get caught up in the match and do not even pay attention to what they are singing - they just go along with the majority. Unfortunately a small minority take things to the extreme and these are the people who go out and kill or injure people.Kenny Tweedie, Carrickfergus, Northern Ireland
What exactly is a 90-minute bigot? If I sell heroin for 90 minutes does that make me a 90-minute drug dealer? These are absurd excuses that the clubs are making up. If the management are not willing to realise the problem what chance is there of solving them? Peter Brady, Port Glasgow, Scotland
Politicians have ignored the problem for years because they want to make us believe that football and religious bigotry as they call it, is an issue which has no origin other than the stupidity of a minority, when in fact, it is the mirror image of the whole of the country when it comes to its attitude to Northern Ireland. This isn't Scotland's Shame, but Britain's Shame. When will you make a programme about that?Catherine Laz, UK
The problem with bigotry and sectarianism is one for the government to amend. By blaming both football clubs they are simply pouring fuel onto the flames. The Old Firm are only given the blame since both sets of fans give a clear representation of the two major religious groups in Scotland. It's time for the government to make changes to our society and stop passing the buck onto others.Flora McGrath, Glasgow, Scotland
I note that many outwith the west of Scotland are claiming that they have no such problems with sectarianism. Having lived in many different cities in this country I can say without fear of contradiction that although it is a smaller problem outwith the west it does still exist. These other cities also have their own petty bigotries which should at least be acknowledged. Many also deem fit to lay the blame at the door of our schools. I would ask those people why it is that in every other part of the British Isles separate schooling isn't an issue. Too many people are looking at symptoms of a problem rather than the root cause.Paul, Aberdeen, Scotland
i feel that the chants and songs by both Celtic and Rangers supporters are tradition like any football song and should not be taken away and should be accepted by rival supporters. I believe the violence in aftermath of the match is wrong and local police should do more to combat the problem. The Old Firm Derby isn't as bad as what the viewers imagine and i am sure much worse goes on in England and i believe racism is a much greater problem than bigotry. The Old Firm should support 'Give bigotry the red card' with the Northern Ireland Football Association.Glenn, Belfast
Echoing earlier sentiments by Neil Curran and Niall Garvie, I find it remarkable that Jack McConnell was not asked about single faith schools and how their continued existence contributes to sectarianism in Scotland. As the link between single faith schools and sectarianism appears indubitable, one can only imagine that Mr. McConnell is reluctant to confront the issue as it would cost him votes. This mirrors the attitude of the Old Firm clubs, in that they are content to deal with the issue in an almost token fashion, as to do otherwise would cost them revenue.Paul Johnston, Glasgow, Scotland
As it is apparent that neither club are interested in stamping out this bigoted behaviour, it is time for the Scottish FA to step in. They should place members of staff on the terraces who would report any sectarian chanting. Any such report would see an immediate stoppage of play and both teams should lose three points.Colin, Bristol
It is not true to say, as some have on here, that there are "Catholic and Protestant schools". There is no such thing as a Protestant School. There are schools which are run by the state open to all, and there are Catholic schools, sponsored by the Roman Catholic Church, which their children are expected to attend.Terry Hudson, Crawley, UK
Why is the schooling issue being mentioned on this reply board? If faith schooling is a cause of sectarianism, why is it only in Scotland and not in England, Wales and the many other countries that have faith schools?Lawrie Murray, Alexandria , West Dunbartonshire
Sectarianism in Scotland is not just about two football teams but about a number of other factors. Go to Manchester, Liverpool or Birmingham and stakeout the A&E on the evening of a 'Derby' game. I dare say you would get similar results. What it did choose to ignore was the improvement, certainly at Celtic Park, during the past ten years. I have been attending Celtic games since 1976 and have been taking my 13 year old son for the past four years. Old Firm games aside (which I don't attend anyway) I haven't heard sectarian songs chants or abuse in a long while. If I did, I wouldn't take him. Every football club has it's supporters that they would rather not have. I've got to say that with Celtic this is an ever diminishing small minority. Sure, there may be a problem, but don't put it all down to football.John Kenyon, Chester England
Your programme of Sunday 27th February seemed determined to portray both Rangers and Celtic Football Clubs as the cause of sectarianism in Scotland, which is clearly unfair. I would suggest that those interested in such divisive attitudes attach themselves to the respective club that suits their 'cause' rather than the clubs being responsible.Craig, Stirling
For Murray and Quinn to be in denial of this bigotry is beyond my ken and to blatantly ignore that sectarianism is encouraged by each club flying their flags leaves me speechless. I don't think the root cause is the 90 minute bigots, it is the ignorance, peer pressure, misplaced religious understanding, and thuggery, that's what it's all about. Donny Mac, Stirling
I enjoyed the programme but have to that it was rather limited in scope, why was there no mention of the Orange Order? Why were songs expressing political support for the IRA labelled as "sectarian"? Why was "The Sash" labelled a sectarian song when it is not?Paul McElhinney, Glasgow
I was wondering how little responsibility the clubs have in this matter. The way they were trying to play down the problem it is obvious they don't want to do much about the problem. And why should they? Every fan they ban, is a loss of revenue for them. So for the clubs their is a disincentive to do anything about the matter unless there is a threat of heavy penalties. Only the threat of huge penalties is going to make either the fans sort themselves out, or make the clubs sort them out.Guru, Slough, UK
Yes there is a problem in the west of Scotland but it also raises its head in different forms at other Scottish and English grounds with anti-English and Scottish sentiment respectively. I have also seen the "Nazi salute" at other English grounds, so "Scotland's secret shame" is shared by down South also.Robert, Glasgow
I have to disagree with Jack McConnell's comments that we can only focus on the next generation, effectively washing his hands of the problem. The clubs and the government, backed by the police, could make a real difference now if the will and courage was there. If a concerted effort was made to educate these so-called fans via the clubs, followed by a real policy of arresting people and charging them for sectarian behaviour, a real difference could be made now! Unfortunately, as with most things financial and political considerations prevail.John Cole, Glasgow, Scotland
I have supported Rangers for nearly sixty years and my support of the team does not stem from religious or political affiliations. I am sure there are many Rangers and Celtic supporters in the same category. Your report was rather subjective forcing the views of the reporter rather than listening to the contributors' views. I do not originally come from the West of Scotland and when I first came here over 40 years ago I was appalled to discover religious bigotry as I had never encountered it before. Having said that very few of the Rangers or Celtic supporters who engage in this kind of behaviour have ever darkened the door of a church - something your report did not address. So where is this deep rooted unacceptable behaviour coming from? I suggest you commission another programme on 'Segrated Education' and you may find a more objective answer than your programme answered! I have many friends who are Celtic supporters, and I respect their religion so I think religion is a red herring in finding the answer to the problem Angus Maclean, Milngavie - Scotland
Sectarianism is like a cancer in this country. I have stood in Parkhead and watched father and son sing sectarian songs on both sides, it will take more than banning them from the grounds. If you want to stop it you will have to start with the next generation. If you have seen the hate you will see you are fighting a lost cause.David Lau, Dumfries, Scotland
This was a disgracefully one-sided programme. The vast majority of fans were not represented who behave in a normal manner. The title of the show was "Scotland's secret shame", why then, did it concentrate on solely the fans of two clubs in the west of Scotland? In fact, why did it concentrate on solely football? If this is Scotland's shame why were all walks of life not represented? "Scotland's secret shame"? I don't thinks so.John Ross, Edinburgh
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|Trad, Sport, 75'
|YDS: 5.9 French: 5c Ewbanks: 17 UIAA: VI ZA: 17 British: HVS 5a [details]
|Matthew Fienup & Romain Wacziarg (August 2008)
|Page Views:
|Submitted By:
|Matthew Fienup on Aug 15, 2008
|Comments on Exilis Dihedral
|Add Comment
|Show which comments —
By Matthew Fienup
From: Ventura, CA
Aug 17, 2008
|Mammuthus exilis
By Rob Chaney
Apr 24, 2009
rating: 5.9 5c 17 VI 17 HVS 5a
Climbed this on 4/23/2009 what a great route nice moves,crimpy slab, blancy, lye back, stemming and even a little mantelish. Fun!
I used a BD #10 stopper at the bottom of the crack and A OP #2 link cam in the middle of the crack.
By Richard Shore
Jan 8, 2010
|excellent slab section at the base! The dihedral section is easy, but gear is not very good. I found one good slot at the very base of the dihedral for a stopper/small TCU, and after that the crack is flared for the next 20+ feet. Large offset nuts, or maybe a link cam would help, but if you're comfortable running it out (like I did), DO IT!


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Dr. John Cheung and Dr. John Olson founded Omax Corporation in 1993 after developing technology to make abrasive waterjet (AWJ) machining a consistent, precise process that could be easily programmed. The company celebrated the 20th anniversary of its founding on August 20, 2013 with a day-long event that included technical sessions, live cutting demonstration in tours of the company's recently expanded manufacturing facilities area
I was there to cover the event. This was my first visit to Omax's headquarters and first trip to the Seattle, Washington area. The part of the day I found particularly interesting was the session in which several AWJ users gave presentations on how they employ the process. The users were a remarkably diverse group. Among them were individuals who started AWJ job shops as second careers, a Marine Corps officer who operated a AWJ machine in a portable shed in Afghanistan, a manufacturing engineer who wanted to produce as well as design complex parts, and a college professor eager to have his biomedical engineering students build convincing prototypes of the instrumentation they were tasked to develop.
What all seemed to have in common was an intense drive to turn ideas into parts and the parts into a usable, functioning creation. These people are motivated and excited by the prospect of getting what's in their heads into their hands. They need to move ideas out of their minds and into material. Waterjet machining appeals to them because it is a highly versatile process. Just about any durable material can be cut with AWJ, which uses a fine, high-pressure stream of water containing garnet particles. This waterjet is the universal cutting tool. In many cases workpieces do not require elaborate fixturing. The process does not alter the properties of the material. There is no thermal stress, hardening or warping.
Of course, Omax's proprietary developments in AWJ technology over the years have increased the versatility and capability of the process, thus enhancing its appeal to innovative, entrepreneurial manufacturers. The company used its celebration to showcase some of its most recent commercial offerings:
■ The MicroMax Jet Machining Center can cut parts or part features smaller than 300 microns from a range of materials, including exotic metals, advanced composites, polymer thermoplastics and glass.
■ A new version of its Intelli-Max software incorporates automatic tool path planning engine, simplifies control of the jet stream while cutting, improves programming of complex 3D part features and enhances machine monitoring during operation.
■ A Rotary Axis head for its Jet Machining Centers provides unlimited part rotation during cutting. This feature enhances pipe and tube cutting and other complex 3D machining tasks.
■ The Intelli-Visor monitoring system captures and shares real-time machine performance data to increase efficiency and uptime of the AWJ process.
View this slideshow for scenes captured during the event.


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The Ballistic SG Series case for the Apple iPhone offers three layers of protection.
The first and outermost layer is made of soft TPU which will help absorb the shock of a drop. In addition, this first layer is co-molded onto layer number two, which is made of a tough impact resistant polycarbonate.
Last but not least, the third layer, which is the inner-most layer, is made of a soft silicone. This layer also includes Ballistic corners, which means all four corner have extra shock absorption where you need it the most.
Please Note: Product images, including color, may differ from actual product appearance.
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Cee Cee Munoz Pyle Model
PaintorDrawArtist/Painter Male Fresno, California, US
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The AFL, who are known for their great respect for women, have decided that Brendan Fevola didn't do anything wrong when the photo he took of his then girlfriend, Lara Bingle (she was in the shower), was somehow circulated to his mates, and ended up being published in a national magazine. It all ended up in a nasty mess, especially for Lara Bingle.
But according to the AFL, they can't prove that Fevola did anything wrong, so they've cleared him.
That phone that Fevola took the photo on must be a magic phone. Somehow, photos must just make their own way off it, and he needn't do anything at all.
Either that, or the AFL must be really, really stupid.
Oh, wait…


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Twisted Season 1 Episode 3
Jo decides to break out of her anti-social routine at school, which comes as a disappointing surprise to her devoted study buddy, Rico. When Jo and Danny volunteer to take part in an anti-drunk driving skit for the school's Sobriety Awareness Day, Jo might get more attention than she bargained for, while Danny seeks out an opportunity to reconnect with Lacey. Meanwhile, as his case drags on and strains his relationships with Tess and Jo, Kyle is determined to track down a piece of evidence that incriminates Danny.
Twisted Season 1 Episode 3 spiderWootly Play in Flash
Air Date: 25 June 2013
Director: Joe Lazarov
Runtime: 60 Minutes
More Info: IMDb


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Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.
Written on: 11/11/2014 by AnniceO (1 review written)
First delivery of parcel failed due to the parcel not being collected on the Friday for a paid Saturday delivery. Customer care did not help me arrange for a new delivery. They did refund me the charge. I had to deal with the delivery company myself as Sports HQ refused to rearrange the delivery for me, this has cost me further to sort this out. Too much hassle when there are other companies much more reliable and same priced items… Read Full Review
Written on: 19/11/2014
I'm really sorry about this. I'm going to look into what's going on with Saturday deliveries - we've had another couple of complaints about this so I think there is an issue we need to fix. Thank you for raising it to our attention, we'll get better.
Written on: 28/10/2014 by vickygrossset (1 review written)
In April I bought a poly tunnel from this firm and a few month later the zip burst, I called them up to buy a new one and they replaced the cover free of charge, then last week due to the high wind we had here the steel frame broke of in bits and the tunnel all blew to the side and bent it, again I called up to buy another one and that was also replaced free of charge. They are an amazing company to deal with and sooooo helpful, it would be great if there was more companies about like… Read Full Review
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I should like to thank you and your colleagues for fantastic service. * I ordered the wrong item and had to phone the next day to change the order. One of your colleagues managed to intercept the product, stop the delivery and have it returned to you. * Meanwhile I placed a new order and received it the very next day. * My bank has received the credit for the first order in less than a week after the unit's return to you. Many thanks. This what I would call… Read Full Review
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I ordered an MTI Treadmill to help with rehab after knee surgery. The treadmill looked great on the site, user weight was 150kg so that was more than enough for me at 105kg. Item turned up and first impressions were cheap and holes didnt line up too good. Once set up, It was tested and found belt wanted adusting. Nothing in the manual but I have owned treadmills before so the belt was correctly tensioned. On looking in the manual it clearly stated 100kg max user weight, in addition to this… Read Full Review
Written on: 27/10/2014
Sir/Madam, I'm really sorry about this, it sounds far from good enough. I'd like to look into your case in more detail - could you share your order number with me? I want to find out exactly what's gone on.
Written on: 27/10/2014
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Written on: 13/10/2014
Oredered a treadmill on 30th September and paid the extra £3 for next day delivery only to be told when I rang them next day that it was out of stock. They agreed to refund the £3 but still haven't. However, the treadmill eventually arrived on 9th October. I set it up with my husband that night and rang them the next day to say it was faulty and was making a clunking noise. They were able to hear the noise down the phone and asked me to lift the treadmill up and look under the removable plate… Read Full Review
Written on: 04/10/2014 by Philip1956 (1 review written)
Aside from using the worst courier service ever (stayed in all day to receive a delivery promised between 12 and 9, and they woke up my daughter knocking on the door at 10.20pm!!). Got stuff, ok. Value for money, yes. I went back to the site and logged in. No sign of any credit on reward scheme. Used pop- up chat. Was promised an email to explain and it would be sorted. None received. Tried again. No response. Today I'm pretty sure they closed the chat box down to avoid dealing with me. Fair… Read Full Review
Written on: 26/09/2014 by johnoflet (1 review written)
Review on Cyclamatic Foldaway Electric Bike from sportshq My partner and I have been riding our Cyclamatic Folding ebikes for over three years now and we are still pleased with the product. We live in South Wales with many hills to negotiate but they do not faze us with our little red button to help. We initially found that it took a determined ride up long steep hills to extinguish the middle yellow light. However, once the yellow is gone then the red light really does mean "head for… Read Full Review
Written on: 26/09/2014 by jb1972 (2 reviews written)
This company uses Yodel to deliver their parcels. Yodel says they have attempted delivery 3 times yet I have been at home each time they claim to have attempted. They also say they have left a card when they haven't. The Sports HQ customer service has been terrible. They do not seem to understand that Yodel is their sub contractor, not mine. They've said they'd call back, yet they haven't and my last call to them was with a stroppy woman that was so condescending I felt compelled to write… Read Full Review
Written on: 14/09/2014 by Spearsue223 (1 review written)
Product arrived on time but was incorrect. Phone answered promptly immediate compensation offered to keep item. However I insisted that correct product was sent out. They sent me new packaging for the return the next day. I boxed product up to be collected next day when correct product arrived. Everybody can make a mistake but their aftersales was excellent. Product itself seems very good value for the price… Read Full Review
Written on: 12/09/2014 by 436Porter (1 review written)
Paid for sat delivery. Item delivered but faulty. Told it could only be exchanged on a week day. Took day off work, but courier did not turn up. They refused to redeliver on a sat so I took another day off work. Driver turned up took item & drove off despite me asking him to wait as it should be an exchange not just a collection. Called Sport HQ told delivery would not happen today. They say it will be delivered on sat but can I belive them?… Read Full Review
Written on: 05/09/2014
I ordered a bike on Saturday and delivery was for TUESDAY. This was ok, when bike arrived started together. The brakes did not conform to British Standards, Rear was buckled, user manual well what can I say? Useless. After putting the bike together taking 2.5hrs. I then phones Customer Service to complain about the bike. First of all they could not find my order even though it was printed on the delivery box. The person who answered was clueless and kept asking did I want to return, NO I… Read Full Review
Written on: 01/09/2014 by Lash73 (1 review written)
I ordered these golf shoes over internet and received a confirmation email with a tracking number shortly after. I ordered on wednesday morning and received the golf shoes two days later (Friday morning). The shoes were well packaged and the best price i could find on the internet. I was a bit sceptical after reading some reviews but thought i'd give them ago as i was protected using PayPal. All in all a great service and i wouldn't hesitate in using them again… Read Full Review
Written on: 01/09/2014
I used the standard delivery option which had them to me in 2 days as i stated above.
Written on: 29/08/2014 by JordynMurphy-Alt (1 review written)
Purchased a fitness bike which arrived in a USED condition with the actual paint peeling off the bike. It was also scratched and did not resemble the detailed description. Poorly made. I contacted them for a refund and was made to send photographs - as if I was lying. I then did so and was told to dissemble the bike to be sent back for them to consider a refund. Once I did send it back I sent numerous emails asking when I'd receive a refund and never heard back from them. They ignore emails and… Read Full Review
Written on: 29/08/2014
Really sorry to hear this, can you let me know your order number and I'll look into this?
We ask for photos just so we can figure out what's gone on, whether you've received the wrong item, and try to make a quicker diagnosis.
As to us not replying to emails, that's simply not the case. We deal with all emails within 1 working day, in fact it's usually much quicker than that. Nothing gets ignored, we have 20 people in the UK doing nothing but customer service.
It would seem that we didn't receive your emails; did you by any chance pick up the phone or try live chat after to see what is going on?
Send me your order number and we'll get to the bottom of this. Sorry for the hassle so far.
Written on: 03/08/2014 by cpReynolds97 (1 review written)
Next day delivery is apparently a non existent service with this company however, they claim to have your order with you next day if ordered before 4pm. Completely misleading and seems to be a problem for many of their customers yet they refuse to make their terms clearer on the checkout page as they are fully aware they would not make the extra £5.99 for 'next day'. Outraged and will not be purchasing through this website or golfgear.co.uk again!… Read Full Review
Written on: 05/08/2014
If your next day delivery has failed, we always refund it, so saying we don't make something clear for profit is complete nonsense.
Please let me know your order number, and we can look into what's gone on.
From the limited information here, I can only assume you ordered on a UK Next Day service with an overseas shipping address, or alternatively are shipping to Highlands, Islands or Northern Ireland.
For these, the item ships on our express service, we get charged the extra for it, but due to the extra logistics involved, there is an extra delay.
If you give me some more information though, I'll be more than happy to find out the exact circumstances you have here.
Written on: 30/07/2014 by Ariella267 (1 review written)
We ordered a Gazebo for next day delivery on a Monday morning about 10am paid and extra £5 charge as we are up in Inverness which was fine aslong as the item came as it was needed for an event on the Fri. By Wed nothing had arrived and when I called up I was told for our post code it can take upto 3 working days even though I paid extra! When I then phone the courier they said they didn't provide next day services to our postcode and it would take up to 5 working days to arrive either Fri or… Read Full Review
Written on: 04/08/2014
As you said, you paid £5 extra, which is for the Highlands and Islands service which isn't advertised anywhere as next day, in fact it states that it's 5 working days delivery. It's in the terms and conditions, but we've also made it prominent elsewhere such as on the Delivery information pop up. We don't offer a next day service to IV postcodes at all.
Written on: 27/07/2014 by vuHopkins71 (1 review written)
awful servce, terrible attitude, first and last itme i would use them!… Read Full Review
Written on: 29/07/2014
Sorry you've not had a good experience with us, if you could give us more information, I'll be happy to see if I can help at all?
Written on: 26/07/2014 by Raybes (1 review written)
Really wish I had read these reviews before I ordered from this company. Ordered an electric golf trolley which worked first 2 times but not since. Have tried emailing them but emails dont send. Asked a question on their web site to which they did not respond and have rung them but they don't answer. My wife has now tweeted to them to see if that gets a response but Im not hopeful. Dont waste your money… Read Full Review
Written on: 29/07/2014
Hi, I understand from speaking to your wife that you were having issues sending emails from your tablets, and that you were sending emails and calling when we were closed, which is why we didn't reply. I understand you are being helped, so I'm sure we'll get this all resolved for you.
Written on: 05/07/2014
Ordering a product here is easy, however they wont honour delivery times - even if you've paid extra for next day, then you wont get an invoice or email confirmation so you have a reference number to complain further with. Top this with unable to get through on the phone at any hour and a complete lack of care for you after they have your money. Verdict - one off cheap piece of kit, use them, if you ever want to interact with the same company more than once, go elsewhere… Read Full Review
Written on: 05/07/2014 by LoganAllison (1 review written)
I bought a gazebo and after 6 or 7 uses 2 of struts broke plus the elastic holding the canvas down disintegrated. I was still happy to keep it and mend it with replacement parts however, on contacting the company I was told that even though they were the manufacturer they would not supply free or otherwise any replacement parts or offer me any solution to the problem!! This is completely unacceptable and shows little or no customer service. Please avoid!!… Read Full Review
Written on: 20/06/2014 by DanielSmith900 (3 reviews written)
I recently bought a cyclomatic bicycle and even though the bottom bracket failed within a year they neither stocked the replacement part nor would they give me my money back. When looking into buying an electric bike I mistakenly thought it had good after sales support - these guys could not care less. Because of the size of the bottom bracket you cannot get it from anywhere else so I have paid a lot of money for a bike that I cannot ride… Read Full Review
Written on: 24/06/2014
Daniel, the Cyclamatic range comes with a 12 month warranty on the frame, so if you've had any problems within that period, we will take care of it for you and get it fixed or replaced without expense to you. If we don't stock the part we'll replace the entire frame, it's on us to look after you and we'll do that. Could you send me your order number perhaps, and I'll look into it for you?
Written on: 24/06/2014
Thanks for getting back to me. My Bicycle identification number is Ry120761459
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text:
Surge seen in number of U.S. wildfires
By Science News Staff, 14:43 PM April 19, 2014
Guest post by Beth Mole
The number and size of wildfires in the western United States has steadily risen over the last three decades, according to a new report.
Between 1984 and 2011, the number of large, uncontrolled burns jumped by seven each year. The area of scorched land also expanded by 355 square kilometers each year.
The finding, based on national wildfire database, appeared April 17 in Geophysical Research Letters. The authors, led by geographer Philip Dennison of the University of Utah...
Source URL: https://www.sciencenews.org/blog/science-ticker/surge-seen-number-us-wildfires


text:
Nat Egosi, president of RRT Design and Construction, will be one of the panelists at the upcoming Paper Recycling Conference & Trade Show, set for Oct. 16-18 in Chicago. The session, "Making MRFs Work," also features speakers Sean Duffy, president/CEO of ReCommunity; and Tom Outerbridge, general manager of Sims Metal Management.
To learn more about the conference, visit http://americas.paperrecyclingconference.com/.
In advance of his presentation, Egosi shares some thoughts on the paper recycling industry.
Recycling Today (RT): Consolidation has been a big factor for the recycling industry. Can you explain the impact this trend has had on the recycling industry?
Nat Egosi (NE): Mergers and acquisitions have been accomplished primarily with publicly traded companies. What drives them? They want to or need to maintain or increase shareholder values. On the shareholder value side, consolidators are considering revenue and income and they also are considering how to manage their risk. They are looking to offset any variables that are occurring in their businesses. They want to leverage all the assets they already own, whether contracts, landfills, transfer stations and other recycling facilities, as well as their customer accounts.
We see the clear direction in the industry that consolidation leads to greater value and provides these companies with more purchasing power with everything they are doing; more marketing power in terms of how they approach the customers; and marketing power on how they sell their recyclables and where they put their recyclables into the market.
They provide job opportunities and perhaps one of the largest drivers is the possibility for lower operating costs as recycling values fluctuate. It helps communities and companies to achieve diversion costs.
What this means for the industry is we want them to succeed. It is their activities and business that are fueling our industry. They are behind a lot of what is happening. That big factor is the driver for the continued strengthening in the future of our industry.
RT: A trend for MRFs has been to maximize throughput. What does this do for quality?
NE: It isn't a recent trend. It has always been and will always continue to be. We are in the business of the volume paradox. The more material we process the lower the cost per unit it is to process. So, this trend has and will continue to move forward. But the essence of the question is what it does to quality. There is an expression that 'haste makes waste.' In many of these cases facilities operate over throughput levels exceeding what the facility can actually do. Consequently, they are producing lower grade product.
Why are they doing it? Part of the reason is the expectation levels set by the equipment manufacturers, designers and promoters of what a facility can do. The benchmark for the facility has been that bigger is better. Therefore, one might perhaps overstate the capacity of the facility and project a higher level of performance as a goal, which ensures everyone is working hard as they can to reach the goal. If the goal is too high, the consequence is the output of the facility may result in product of lower grade or not acceptable quality.
There is an ongoing correction that is going on in the industry in parallel with that maximizing throughput. 'Are we overrunning our facilities? Are we putting too much material through our facilities?'
RT: One grade originally predominant was ONP (old newspapers). It has been declining lately. Where do you see ONP heading in the future? And are there any materials that can supplement?
NE: What we see is ONP in the future is a significant reduction in the demand for the purchase of newsprint, which reduces the production of newsprint, thus a decline in ONP. There is a continuous reduction in availability of ONP as a paper grade. It will be that way. It has been projected that way for many, many years.
What recyclers can do to replace ONP has been largely discussed and people talking about adding more grades of plastics, maybe textiles, more metals, adding aseptic containers. All those ideas have merit, whether or not ONP was shrinking as a commodity. However, if you add all those items it won't come close to offsetting the reduction in ONP. What we see happening for recyclers is they are diversifying their business to rebrand their MRF to handle a completely different stream, in some cases a commercial stream and other items that are becoming a big trend in our industry.
RT: Are there any overarching trends driving the recycling markets today?
NE: First, I will say we are seeing through the consolidation in the private sector that companies consolidating and centralizing smaller facilities to feed larger facilities. Larger facilities are closing down smaller facilities and trucking material to larger facilities.
That trend is made possible by the fact that the public sector has greatly reduced its interest and activity in owning and operating MRFs. In the late '80s and early '90s, the public sector was really interested in owning the MRFs. Now, it is all on the private side and that trend, in combination with the private companies' mission for shareholder value, is all about making these MRFs become super MRFs. It is multi-material, more than just containers and paper. They're bringing in materials like C&D, mixed waste and organics. From a trending point of view they have broadened to include many other things and not just residential curbside recyclables.
It is exciting for us in regards to the trends but also very challenging. Back in the day there were a narrow group of people covering the entire industry with great success. Today, you need a variety of experts and expertise and different types of equipment suppliers and even different types of owners and operators running different kinds of facilities that all integrate the entire industry.
More information on the Paper Recycling Conference is available at http://americas.paperrecyclingconference.com.


text:
How to Turn Degrees Into Decimals?
Degrees, minutes and seconds are used to express the measure of angle sizes and directions. There are 360 degrees in a circle; when relating directions, north is 0 degrees, south is 180 degrees and...
Read More »
How to Turn Degrees Into Decimals With Charts?
Pie charts are popular as clear, visual representations of data. When you look at a pie chart, you can easily see and understand the proportions involved without needing equations or ratios. If you...
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How to Turn Decimals Into Fractions?
Turning decimals into fractions is essential to mastering elementary algebra. The process can save you from having to use a calculator while making certain calculations easier to visualize.For inst...
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Though symbols and placement separate values in decimal and percentage forms, the two forms are closer than they appear. A number's decimal point partitions the number, signifying that the digits o...
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Decimals and fractions are similar mathematically because they both express the relationship of a part to a whole. A fraction in its lowest terms is also referred to as "simplest form." This means ...
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text:
8.5 Fantastisk
Basert på 286 vurderinger
Nylige vurderinger
- Alle vurderinger
- Positive
- Nøytrale
- Negative
La Darsena di Fiumicino is located in Fiumicino, 0.6 miles from the beach. Free WiFi access is available in all areas. Each room here will provide you with a flat-screen TV and air conditioning. Featuring a shower, the private bathroom also comes with a hairdryer and towels. At La Darsena di Fiumicino you will find a terrace and a shared kitchen. The property offers free parking, free bottled mineral water and coffee daily. Leonardo Da Vinci International Airport is a 10-minute drive from the property. Rome is 18.6 miles away.


text:
DaG Photographer
Sweet PeasModel Female Houston, Texas, US
New Orleans, Louisiana, US
My Website: twitterMy MM URL: http://www.modelmayhem.com/sweetpeas
Mayhem # 566882
About Me
If you have a facebook you can add me www.facebook.com/prepylatina
Or @sweetpeaintsgram
I would like everyone to know I'm currently prego as of today 2/20/13 I am 17 weeks. So unless your looking to book a maternity model I'm sorry to inform you I can not help and will not be able to until October of this year. However if you are looking for a materinty model I am more than up for that!
Have you worked with Sweet Peas? Add Credits for Sweet Peas! >>
Credit Notes
Will travel as long as expenses are paid.........if it's within a reasonable driving distances I ask that gas be covered!! If I do TFCD, TFP, Trade, ect. I ask that photographers sign or have me sign a contract stating that I will get back however many edited photos we agreed on within 30 days, I've had photographers not give me back photos to many times and I'm not in this field to waste mine or anyone else's time ya dig?
Future Travel Dates:
Photographers I've worked with that are more than the norm
Daren Broussard Photography, Forever Fotos (6), KV Studio (4), Blue Zero, Edward Ramirez, Edge Photography, White Light Imaging, Jay in Houston (2), C studio inc , Sarah Matix (5), VisualCocktail Studios, Nannola Photos (4), Doug Ochoa, Andrew Alwert, Beans Photography (4), DW iMages (2), Blum Photography, Chris Visual
Models I've worked with that were more than amazing
Brittney Adams MM #549982, Rebecca Ritherford MM #306136, TiffanyJewel MM #794522, Ms Hermosa MM #888658, Lisa De Luca MM#1190621
Super talented MUAs I've worked with:
RABID PRODIGY MM #484814, Flawless Creations MM #548938, SKiN DEEP MM #826254, Free Style Makeup MM #700528
08 Southern Jewels Cover & Calendar 3,000 printed, 08 Turbodog kennels Cover & Calendar 500, Flyers for Metairie Dodge to be put in Steals and Deals & News on Wheels 3/1/08 40,000, 09 Bikini Dreams Calendar 600, May 09 Street Scene Magazine Cover & spread model 10,000 distributed in Texas, Louisiana, Mississippi, Oklahoma, Arkansas & it's in 140 locations, Centerfold for Thunder Roads Magazine May 09, 2010 Bayou belles Cover & Calendar Cover 1,500, April 2010 Cover & one page spread in Nolalifestylz magazine 30,000, 2011 Cajun Bombshells Calendar & Cover & 1,500, August 2011 Street Scene Magazine Cover & Spread model 10,000 distributed in Texas, Louisiana, Mississippi, Oklahoma, Arkansas & it's in 140 locations, 2012 Cajun Bombshells Calendar Miss. December & Cover 1,500, Denny Manufacturing Co VOL # 38 pages 42, 43, & 62, Nine5four Magazine May 2012 Feauture model 7,000+ distributed internationaly,
Promo work:
UFN www.myspace.com/ufnmma 08 & 09, Metry Custom Cycles 07, Nov 07 Car show, Jan 08 World of wheels , March 2008 Pitt bull/Bully show, Jan 09 Daqiuire shop promo, Jan 09 World of Wheels, May 09 Playboy GOG, May 09 Rounder Magazine promo, May - Aug 09, Sep 09 Harley davidson bike wash, Dec 09 Harley mens night, Jan 10 World of Wheels, March 10 big als grand opening, July 2010 Cigar convention, Jan 2011 World of Wheels, Harley Davidson promos summer of 2011, Varying promos for the cajun bombshells through out 2011, 2011 Sugar Bowl dell, 2012 World of Wheels, AMA 2012, NACE 2012,
Online showcases:
Modelbrigade fashion 3/08, OMP lingerie 4/08, 93x.com Hot chick of the day Wednesday, July 02, 2008
Projects in the works:
Sites I'm on:
www.g3x.phanfare.com http://www.modelbrigade.com/101734
http://www.nutekspeed.com/new/models/20 … -adams.php
http://www.pixacom.com/model/534/interv … Adams.html
http://www.modelbrigade.com/index.php?p … _id=101734
http://www.modelbrigade.com/index.php?p … _id=101734
http://www.therockstation99x.com/jessic … eek-photo/
http://www.kaboommagazine.com/?cat=& … a+robinson
http://generationauto.canalblog.com/arc … 25964.html
Extra work:
12Rounds 2008, UFN feature ring girl for the Music Video 08, 2 EPCO Construction Commercials 09, MUNECO MEDINA music video, Hurrican harley davidson commercial 2010, Fast Cash pawn 3 commercials
Bathing suit contest:
Dare to Win a Pair 07 Won, Locks bar and grill 07 Won, Hawaiian Tropic 05, 06, 07 won prelims, Planet Beach 06, 07, 09
My rates are very reasonable so please don't be afraid to ask. I'm easy to work with, take direction very well, I love trying new ideas! So please feel free to contact me, if you would rather send me an email my address is email@example.com, please keep in mind that I do very limited ***TFCD***
DaG Photographer
Julian W I L D E Photographer
Philipe Photographer
Don Bersano Photographer
ephoto_ Photographer
ForeverFotos Photographer
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text:
Leider ist diese Seite derzeit nicht in deutscher Sprache verfügbar.
According to a presentation held during the USPTO's annual design day on 8 April 2014, the Korean Intellectual Property Office (KIPO) will facilitate applications for designs related to Graphical User Interfaces (GUI). From now on, applicants can file GUI designs without an indication of an underlying hardware product such as e.g. a mobile phone.
In addition, KIPO will allow dynamic or animated GUI applications provided the applicant also supplies multiple figures or screenshots of the animation.


text:
Which oil viscosity?
Hey guys I need some suggestions about which oil viscosity is best for my SBC 350. It has a hyd flat tappet comp 270 magnum cam. I will be using VALVOLINE VR-1 RACING MOTOR OIL because of the extra additives for flat tappet cams. Should I use 10w-30 or 20w-50 weight? I live in Southern California so the temps are pretty warm here, even during the winter. :confused:
The VR-1 is a rip off, did a lot of reaserch in it, and it only has a tiny bit more additives. Not worth the price for what they are sayting they are selling. They do make a VR-1 thats an actual race oil, its in a black bottle and has to be special ordered. Completely different blend than their silver bottle VR-1, even smells different! And is cheaper, about 4 bucks a quart compared to 7-9 a quart for the silver bottle. But, is not street legal since it has enough zinc to clog your cat. converters.
If your worried about using something for better wear protection, try diesel engine oil. Rotella, Mystic...stuff like that. Hot Rod tested lots of oils, and the diesel oils came out near the top...even against great "race" oils.
I use mystic, blended synthetic, in my street cars. Works great, usually 10w30.
For my racecar I run Brad Penn 20w 50, but would rather use 10w30.
Tell us about the build, a Magnum 270 cam is very good. Few cams that stood the test of time, that got it right the first time.
10w40 if the temp stays about 35-40. The 5w30 in the winter.
small tip,
With 6 quart pans after barak in , add a quart of mobil 1 synthetic , 5 of the petro oil. The Mobil 1 synthetic is good stuff, after trying many different cutter oils on my lathe. Metal pressing to metal with tons of pressure, mobil 1 gets it done. The synthetic mixes well with into the other similar viscocities.
Valvoline conventional oil has 0.083/0.076 Z/P.
Valvoline VR-1 (silver bottle) has 0.13/0.12 Z/P, and enough detergent for street use.
Valvoline Not Street Legal (black bottle) has 0.14/0.13 Z/P and not enough detergents for street use, according to Valvoline.
Do you have different numbers? If so, where did you obtain them?
I fail to see where there is a rip off.
Their black bottle, which has more additive and such only sells for $4.50 a bottle and is actual racing oil.
Just "good" marketing by valvoline i guess.
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text:
Mobile Payments and Banking
April 2010
Moderator: Welcome to the Federal Reserve Bank of Atlanta's Payments Spotlight podcast. Today, we're joined by Mark Budnitz, a law professor in Georgia State University's college of law. Mark also serves on the advisory group for the Atlanta Fed's Retail Payments Risk Forum. He will be speaking about mobile payments and banking. Mark, thank you for joining us.
Mark Budnitz: It's good to be here.
Moderator: Why don't we start with you giving your general observations on where mobile payments and banking stand in the United States today?
Budnitz: United States companies recently started to vigorously develop mobile financial services. For many years, it seems, these companies watched mobile financial services rapidly expand in some other parts of the world, but it seems they hesitated to develop products here because cell phones weren't so ubiquitous as elsewhere. Consumers seemed satisfied using bank branches and banking online and using their debit and credit cards to make purchases. But over the last few years, overwhelming majority of consumers now use cell phones to talk, and more and more are using their cell phones to access a lot of different applications: to download and listen to music, and find their way using GPS, and tweet, and send e-mail, take and send photos, and so many other everyday kinds of things. So companies providing financial services now realize consumers are probably ready to use their cell phones to access financial services as well, and these companies are experimenting with several types of products.
Financial institutions are trying to figure out which types of services consumers want and how the companies can work together with other parties. Not just financial institutions, but there are software developers, phone manufacturers, telecoms—a wide variety of other kinds of companies—and they all want to figure out how to work together, cooperate, and also how to price the service so they can make a profit but not drive consumers away. Consumers are so use to getting things for free on their cell phones that somehow the companies involved in this have to figure out how to make it work in terms of their business objectives as well.
Moderator: Mark, you have written numerous articles on consumer issues and the electronic payment system, so from a consumer protection standpoint, what are your biggest concerns with the adoption of mobile payments and banking in the United States?
Budnitz: The way I approach this is by stepping into the shoes of a consumer that has a problem. Say you've got a consumer, she tried to pay her rent using her phone but the landlord claims he never received it, or the lender claims it never received the car payment, or the mortgage payment, and the consequences of these people saying they never got the payment are really significant to the consumer. At the very least, the consumer is going to have to pay expensive penalty charges, and at worst the consumer may face eviction, repossession of her car, foreclosure on her house—something really drastic—because what we're talking about here are really very important services.
Financial services are essential for people to be able to use, and use effectively and without major problems. And today, I don't think it's absolutely clear what law applies to many situations. Probably the Electronic Fund Transfer Act applies—the EFTA, a federal statute—and if that law applies the consumer can complain to the financial institution where she has her bank account that she used to pay that bill. But all that statute, the EFTA, all that requires as a general rule is that her bank investigate by examining its own records. It's possible that the payment didn't reach its intended destination because of a problem that occurred somewhere else, not within the consumer's own financial institution. Maybe it's the fault of the payment processor, or the cell phone, the telecom, maybe it's the creditor's bank that caused the problem so the payment was never received by the creditor. What the consumer needs is a law that clearly says to the consumer: All you have to do is complain to your bank, and your bank is responsible for investigating, and your bank has to recredit your account unless it can document that the failure was due to something that the consumer did and not any of the other many parties to the transaction. And that puts the burden on the consumer's bank to conduct an investigation that goes beyond its own records, beyond its own four walls. So, that would be an expansion of the federal statute, of the EFTA, and what it seems to require most of the time. It would have to investigate the whole transaction if it wants to shift liability to someone else. And then, the consumer's financial institution and these other parties can work out through private contracts just who's going to be ultimately stuck with the loss, but it should not be on the consumer, unless it was the consumer's fault.
Other problems consumers may face are unauthorized transactions, payments made in the wrong amount; privacy and security are major concerns, too. Mobile financial services offer companies new avenues for invading privacy. They can collect lots of data, and they can sell that information about consumers to other companies. And it's not just private companies that have new potential methods to invade consumers' privacy; governments are getting involved in all kinds of new ways to take advantage of mobile financial services.
Another concern that I have is how many vital services are being bundled together. If a consumer has a problem with one of those services, that consumer may lose the entire bundle of services. I'll give you an example. A consumer may want to switch telecom companies. Maybe she's lost her job and needs a cheaper service that only another company provides, or maybe she moved to a different place and she can't get good reception where she lives now. The problem is that the telecoms charge what at least consumers regard as exorbitant termination fees. The consumer may not be able to afford the termination fees, so she may be stuck with that telecom that really is not satisfactory. And, if she can't get service from that telecom, then not only does she lose her cell phone service, but that means she's also losing all those bundled services including her mobile financial consumer services, her ability to do her banking using her cell phone. So, that excessive termination fee is one example of another problem that a consumer may have, but the deeper problem of that bundling of so many things onto the cell phone. So those are some of my concerns.
Moderator: As you know, the recent crisis in Haiti has put mobile payments in the spotlight as thousands of individuals were able to use their mobile phone to text pledges in support of the relief effort. In light of this development, what are your thoughts on the growing role of telecoms in payments clearing and settlement?
Budnitz: What happened there was, people making donations to charities to help the people in Haiti used text messages on their cell phones, and the amount of their donation was charged to their phone bill, the phone bill that they receive from the telecom. So this is a wonderful convenience, and it's a wonderful way to support people who are in such desperate need. But on the other hand, the growing role of telecoms in payments clearing and settlement concerns me. When payments are going through financial institutions, we have a well-regulated environment, an established body of laws to work with, and in light of new developments, like mobile financial services, we may have to make modifications and clarifications and maybe some additions to our current laws, but we know what we're dealing with. We have a set of laws that we've had on the books for many years, so we're comfortable with that, and we know how to make the adjustments, and we know who we're dealing with. But telecoms are new to this expanding payments environment. Telecoms have a long history of billing for their own service, so they know how to bill. But that history is not very auspicious. And as more types of payments are added to consumers' phone bills, the role of telecoms bec'omes more and more important.
But it's not just the telecoms. To process the payments—those payments that people made to charities in response to the crisis in Haiti—to process the payments, the charities used private companies to do that processing. Well, what if a consumer sends a text message donating $50 to a relief organization. She gets her bill from the telecom and the telecom bills are for not $50, but $500. Well, what does the consumer do now? How can the consumer figure out who is responsible for the error? It might be the charity, it might be the telecom, it might be that payment processor, and who does the consumer complain to, and who's responsible for correcting the error? I think consumers need regulations that are modeled on those that apply to payments where financial institutions are involved, because if there's substantially different rules for consumers, different rules they have to follow when they have a problem with this kind of a payment that shows up on their monthly bill and did not go through their financial institution, different rules mean that consumers are just going to be very confused: one set of rules when you have mobile financial services using your cell phone and it goes through your financial institution, well, that's one set of rules. But then, if instead the payments on the telecom bill are a different set of rules, or no rules at all, then the consumers can be very confused and won't be able to exercise any rights that she might have successfully. It's just going to be a very complicated situation.
Moderator: Well, that kind of leads me into my last question. We know that laws and regulation typically lag behind innovation. With this in mind, what should be the approach in addressing the potential gaps in the regulatory and legal infrastructure for mobile commerce?
Budnitz: Well, because of my concerns—and there's lots more going on than we've had time to talk about—but because of my concerns, I think that the federal regulatory agencies need to be proactive. They need to try to anticipate new developments, and also, they need to cooperate among themselves. I think it should be the federal agencies that take the initiative instead of the states, because states would have to do it state-by-state, and then you would have very uneven regulation and there would be inconsistencies. That would cause a huge problem for the companies that are involved because this really is a nationwide system that we are talking about. So, these federal regulatory agencies need to get involved, they need to get involved soon, and there's a lot of agencies that are working on this kind of thing. It's the Federal Trade Commission, the Federal Reserve Board, the OCC, the OTS, the FDIC, but also the FCC, the Federal Communications Commission, because they regulate, in some areas, the telecommunications industry. And so all these have to work together in new ways that they haven't worked together before in terms of having effective regulation. When these agencies identify a problem, or they anticipate something that may become a problem, they should quickly respond. And one way that they can respond quickly is through what they call an interagency guidance. Interagency because it's several agencies—all the agencies that have an interest in this—coming out with one uniform guidance so the industries, the companies involved, don't have to try to figure out different types of guidances from different agencies, it's all uniform. That would be the best way to do it if possible. Even with a guidance they have to be careful not to react prematurely, not to act in a way that's going to stifle competition and innovation. We've seen wonderful innovation in this industry, and we don't want to unduly discourage that sort of activity.
But this whole task of regulation takes a lot skill. For example, the regulation can't be so specific that it ties the hands of business so new and better products and services are precluded, but at the same time the regulations can't be so general and vague that business and consumers can't figure out what's allowed and what's not allowed. And so it's a delicate balance between being too specific and being too general, but these are kinds of regulatory issues that the agencies deal with all the time. I have confidence that they're going to be able to do it. And they have that experience in other areas, related areas, for financial services.
But timing is another issue. It's not just how you draft a regulation; it's also the timing. The agencies shouldn't act prematurely before there's confidence there's really a problem, or the likelihood of a problem. But then they shouldn't wait too long, either. So, the timing is a difficult judgment call, but it's one that the agencies have to make in terms of when is the appropriate time to issue regulations. At the every least, regulations should make it absolutely clear that the Electronic Fund Transfer Act applies to mobile financial services when a financial institution is involved. And the regulations should put responsibility for errors and unauthorized use squarely on the consumer's financial institution in terms of who is liable, the consumer or the financial institution. It should not be the consumer. That ensures that the consumers have the right to complain to their financial institutions no matter which company may be at fault. And that would also impose deadlines like the Electronic Fund Transfer Act does now, deadlines for the institution to investigate. And requirements for recrediting the consumers account when the financial institution discovers through the investigation that, yeah, there was a mistake made regardless of who made it. So the burden between the consumer and the financial institution should be on the financial institution.
And consumers also need strong laws giving them error-resolution rights when payments are charged to their phone bills. As we were saying in regard to the Haiti crisis, you've got a new ballgame now where financial institutions may not be involved at all. Laws that adequately protect consumers also help the mobile financial services industry, because if you have strong laws giving protection to consumers in these various areas that I've discussed, then consumers are going to feel confident in using these systems. They're going to enthusiastically embrace mobile financial services because they know there's some protection for them. By having good procedures and safeguards for consumers built into the laws, consumers are going to have more trust in the integrity of that system, and that just helps all the parties because then you get the volume that the companies need to make this a sound business investment.
Moderator: Thanks, Mark, for sharing your insights.
Budnitz: Well, I'm delighted to have this opportunity.
Moderator: Again, we've been speaking today with Mark Budnitz, a law professor in Georgia State University's College of Law. This concludes our Payments Spotlight podcast on mobile payments and banking. On our Web site, frbatlanta.org/rprf, you can read more about the Retail Payments Risk Forum.
Thanks for listening, and please return for more podcasts. If you have comments, please send us an e-mail at email@example.com.


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Monday, July 9, 2012
Jessica Cosmetics - Gelato Mio! Summer 2012 Nail Colours Collection
9 comments :
The last 4 pastel colours are gorgeous. I cannot own enough pastel polish lately, it's becoming a real problem lol!ReplyDelete
I love all of them. I'm also enjoying the pastel glitters too.Delete
Really nice summer shades. The first one reminded me of Italian gelato as well. Thanks for sharing them.ReplyDelete
I used to be able to get Jessica polishes when there were Eckerd Drug Stores. But I haven't seen them since. These do have really cute names.ReplyDelete
Pretty shades - looking more like spring vs summer shades to me - but then we have been so hit with brights from most this summer. I never have tried Jessica anything - no one sells them anywhere for 1000+ miles of me. I have not bitten off to put in an on line order yet from this company.ReplyDeleteReplies
You should go for it, I love all the colors I have from Jessica so far.Delete
Wow, these look so yummylicious. Now I'm dreamin' of the real gelato.ReplyDelete
Gosh, I love of all of these! I don't have any polishes from this brand.ReplyDelete
Your comments are appreciated, read and answered if needed. Please keep them clean and on subject. Comments are moderated, so please give them a little time to show up. Do not post blog, product or website links in the comments sections, they will be sent to spam. Email me, I will be happy to look at them. Thank You!


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ZE:A to Return With New Single Album, 'Phoenix'
After wrapping up promotions for its second-album and title track Spectacular, ZE:A will be returning with a new single album.
The ZE:A members will enjoy a brief break before returning to a new round of activities with the release of a new single album, Phoenix on August 27. The new single album will drop in two versions in Korea and Japan.
A total of five tracks will be included in the new album including title song Phoenix, an R&B version of Aftermath and more.
Star Empire said, "In Aftermath's promotions we focused on the lyrics and the dramatic performance to show ZE:A's mature expressions of emotions but in Phoenix's promotions we will showcase what many consider as the most representative aspect of a boy group- the sharp-as-knives group dance. We put into the new song ZE:A′s message of wanting to fly, without giving up, to the skies just like an eternal phoenix."
The agency added that the concept for Phoenix in Korea and Japan would be specialized, with different album jacket covers to appeal to the fans of each nation. ZE:A will begin promotions for Phoenix in Japan on August 24.
Photo credit: Star Empire


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Father Dowling Mysteries: The Second Season (DVD)
Crime doesn't have a prayer. No one has more faith in justice than Father Frank Dowling (Tom Bosley) and Sister Stephanie "Steve Oskowski (Tracy Nelson) in Season 2 of Father Dowling Mysteries. Together, they guide a congregation in the ways of good, even as they track down Chicago's agents of evil. At home, trusty housekeeper Marie (Mary Wickes) keeps the good priest sane and fed, while still managing to get entangled in a little mystery herself. From an impostor priest to a spy couple to an evil twin, there's no case that can't be solved with a little help from above.
Product Details
- Cast: Father Dowling Mysteries, Various Artists
- Format: Color, Dolby, DVD, NTSC
- Language: English
- Aspect Ratio: 1.33:1
- Number of Discs: 3
- Rating: Not Rated
- Label: Paramount
- Release Date: 07/10/2012
- Run Time: 623 minutes
- Catalogue #: 14693


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By Mark Finkelstein | February 2, 2010 | 8:32 PM EST
MSNBC reprimand coming for Ed Schultz?
Five full days after MSNBC rapped David Shuster's wrists for improperly accusing James O'Keefe of attempting to "tap" Sen. Mary Landrieu's phones, Ed Schultz has pulled the same stunt.
Here was Schultz, teasing an upcoming segment on his show tonight:
ED SCHULTZ: Coming up: Sean Hannity has found a way to compare those accused of trying to tap a senator's phone to a TV show, To Catch A Predator. Yeah? That makes Psycho Talk, for sure.
Tell us, Ed: who in a position of legal authority has accused O'Keefe & Co. of "trying to tap a senator's phone"?
Shuster not only was reprimanded by his bosses; he had to humbly back down when confronted by Andrew Breitbart. We say, Ed: retract or be wrist-rapped!


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Law change to make organ donations easier
Page Tools
Waiting lists for organ transplants are set to fall after health ministers agreed yesterday to a major change to organ donor laws.
Under the laws, doctors would not need the express permission of a registered organ donor's family to use the person's organs.
The family would have to block actively the use of a donor's organs - reversing the onus for permission.
Federal Health Minister Tony Abbott, who struck the agreement with his state counter-parts at a health ministers' meeting in Canberra yesterday, said the changes would save lives.
"Once people go on the organ... register, there will be a strong presumption of availability for donation," he said.
"I think this will get our organ donation rates up very significantly and I think this offers great new hope to the 2000 people currently on the organ donation waiting list," Mr Abbott said. He said it should end the present tragedy where about 150 people a year died on organ waiting lists.
Mr Abbott said ministers had agreed the paramount concern was that the donor's wishes be respected. However, he stressed that families could still say no.
"It will be a right of veto rather than the necessity to get explicit permission - and there's a world of difference," he said.
The change requires uniform legislation across states and territories. Victorian Health Minister Bronwyn Pike said the Bracks Government would legislate as soon as possible.
The ministers also agreed yesterday on a national system of reporting hospital mistakes.
Mr Abbott said the reforms to cut hospital errors was a three-pronged approach, consisting of:
- A national incident management system across all hospitals.
- A reporting system of serious errors or "sentinel" events.
- Nationally consistent protocols to minimise the risk of errors.


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Tony Duncan completed twenty-nine 540-degree rotations of a cigar box under a stage ball.
Kristian Kristof performed four pirouettes before catching a flaming cigar boxes using two cigar boxes.
Brian Pankey performed 28 cigar box swipes in 30 seconds.
Tony Duncan completed 40 hamster roll revolutions of a stage ball on a cigar box. He set the record at DeVos Circus Camp in Grand Rapids, Michigan.
Tony Duncan performed seven 180-degree spins of a cigar box with a four-inch stage ball balanced on his nose.
Brian Pankey spun a basketball on 12 different objects in one minute. He
spun each object individually and in alphabetical order.
The objects used include: an apple, a baseball, a cigar box, a dart, an
egg(raw), a Fushigi ball, a golf ball, a hammer, an iron, a jar, a
knife, and a lighter. He also used a mallet and a nail, but these
objects went over the one minute time limit and were deducted from the
final count.
Brian Pankey caught a cigar box between two other cigar boxes using
alternating hands 18 consecutive times while on a rola bola. The
boxes were tossed in a rotating pattern, changing position on each
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Guest reviews
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Istanbul Hotel Bodrum offers an airport shuttle (available 24 hours) for EUR 30 per vehicle one way. The restaurant is the perfect spot for a bite to eat, and after having fun at the outdoor pool, you can unwind with a drink at the bar/lounge. A poolside bar and a children's pool are other highlights, and rooms offer LCD TVs and refrigerators.


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Many of my photos are kind of strange. They are close ups of something and often they look like the first photographic evidence of an alien invasion. Sometimes I don't even know myself what it is I've been trying to capture or what I've been thinking of taking the pic. Sometimes I do know what's going on.
In this case the alien invasion seems likely, though I'm pretty sure we don't have to be worried, since the subject of my photo didn't have much of intelligence. (I know some might argue with me about it's intelligence.) Besides I assume it was something from our own planet. It was, wasn't it?
More riddles at Mustaa ja valkoista.


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EltaMD's Lotion is designed for use from the neck down. As a body lotion, the gentle, fragrance-free formula is OK for dry skin, but truly basic. This is sold by a doctor merely as a marketing whim, not a formulary consideration.
This smoothes on easily and the built-in pump makes it easy to dispense, but the formula tends to feel greasy and occlusive rather than silky-smooth. Those with dry skin will likely appreciate the texture, but it leaves your skin wanting more.
This would earn a higher rating if it contained some proven antioxidants along with skin-repairing and cell-communicating ingredients to encourage healthier skin. The price doesn't seem high, but when you consider the formula isn't much better than standard Lubriderm or Eucerin, it should give you pause. Please see our list of Best Body Care Products for superior options.
This soothing formula provides relief to dry, itchy skin by binding moisture to the keratin in the skin cells. This action keeps the cells plump, supple and perfectly hydrated. Ideal for daily use on the face, hands and body, Elta MD's Lotion prevents damage caused by environmental aggressors, hand washing and harsh climates. The delicate formula is non-comedogenic, fragrance-free and suitable for all skin types.
Purified Water, Petrolatum, Paraffin, Dimethicone, Glyceryl Stearate, Diethanolamine Cetyl Phosphate, Carbomer, Triethanolamine, Stearic Acid, Disodium EDTA, Phenoxyethanol, Methylparaben, Ethylparaben, Butylparaben, Propylparaben, Isobutylparaben
EltaMD At-a-Glance
Strengths: Most products are fragrance-free; all sunscreens provide broad-spectrum protection with zinc oxide; cosmetically elegant sunscreens that are easy to apply and do not leave a telltale white cast; good eye gel.
Weaknesses: Some of the sunscreens are pricey, which may discourage the liberal application necessary to achieve the level of sun protection stated on the label; all of the sunscreens would be better if they contained a greater range of antioxidants and skin-repairing ingredients; the post-procedure products and body lotion are stunningly basic and would not be a "best" option for post-wound care.
Texas-based EltaMD is a small line of skin-care products that specializes in sunscreens. If you're like most of the women who've asked us to review this line, you most likely came across it at your dermatologist's office. EltaMD is a "physician-dispensed" line, but despite that professional allure, their products are not "medical" in the least. In fact, they are widely available for purchase online, and nothing about their skin-care formulas requires a prescription or your doctor's sanction. In fact, we're fairly certain many doctors wouldn't know how to decipher the ingredient list on the label of these products
Without question, EltaMD takes the necessity of daily sun protection seriously. They offer several sunscreens and moisturizers with sunscreen, each providing broad-spectrum protection from either zinc oxide and/or titanium dioxide. In short, this line gets its sunscreens right, and the fact that all of them are fragrance-free is an added bonus for your skin.
Perhaps most exciting is that almost all of EltaMD's sunscreens with zinc oxide (often joined by the synthetic sunscreen active octinoxate) apply beautifully and do not leave a noticeable white cast, despite their mineral base.
The company maintains that they use micronized zinc oxide, and you can tell. These sunscreens are easy to apply and most have cosmetically elegant textures that feel more like moisturizers than traditional "beach" sunscreens. They also work great under makeup, although some may find the mineral finish not to their liking, just based on personal preference.
Of course, EltaMD isn't the only company to offer a good selection of sunscreens that provide broad-spectrum protection. Nor are they the only game in town when it comes to using micronized zinc oxide; lots of other companies use it because it's effective and aesthetically pleasing. However, EltaMD's formulas are quite good and compete favorably with others, especially for women with normal to dry or combination skin that's not prone to breakouts.
Where EltaMD's sunscreens could improve is by providing a greater array of antioxidants. Some of their sunscreens contain none, while most have only one, typically vitamin E. That's not bad, but given the research proving how antioxidants boost the efficacy of sunscreens and offer additional protection for your skin, it's good medicine to include several antioxidants in effective amounts rather than just one.
EltaMD also offers a small range of facial-care products, most of which are fragrance-free, although if they are from a "physican's" line, as this one is, they should all be fragrance-free because fragrance is not skin care and is almost always damaging to skin. The facial-care products are decent options, but for the most part they are ordinary and not preferred over hundreds of others. Sun protection is where it's at for this brand.
For more information about EltaMD, call (800) 633-8872 or visit www.eltamd.com.
Note: The Beautypedia Research Team wishes to extend a special thank you to EltaMD. When we contacted the company to request information and assistance (something we do for every brand reviewed on this site) they graciously sent us every product along with helpful information on each. It is not often a cosmetics company assists us at all, let alone so willingly, and we sincerely appreciate it.
The Beautypedia and Paula's Choice Research teams have one mission: To help you find the best products for your skin, whether they're from Paula's Choice or another brand. By combining efforts, we're able to share scientific research and remain committed to the highest standards based on our decades of experience objectively reviewing thousands upon thousands of skincare and makeup formularies in all price ranges.
Beautypedia cuts through the hype to bring you product insights and recommendations you won't find anywhere else!


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Tasty, Easy Vegetable Recipes: 35 Vegetable Side Dishes, Dinners, and More
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Sweet Vidalia Pie
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- 6
- 35 Min
Sweet Vidalia onion pie is almost like a quiche but minus the eggs! This incredibly easy as pie recipe for using in season Vidalia onions will fit a light lunch or be the perfect side dish for your main course!
What You'll Need:
- 1 cup shredded mozzarella cheese
- 1 cup shredded Cheddar cheese
- 1 cup mayonnaise
- 1 (9-inch) deep-dish pie shell, baked according to package directions
- 1 tablespoon vegetable oil
- 1 medium Vidalia or sweet onion, thinly sliced
- 1 large tomato, thinly sliced
- 1/2 cup cooked bacon pieces
What To Do:
- Preheat oven to 350 degree F.
- In a medium bowl, combine mozzarella cheese, Cheddar cheese, and mayonnaise; mix well. Spread half the mixture into baked pie shell; set aside.
- Meanwhile, in a medium skillet, heat oil over medium heat and sauté onion slices 4 to 5 minutes, until translucent and soft.
- Place onions and tomatoes over cheese mixture. Sprinkle with bacon pieces, reserving a few for garnish. Spread remaining cheese mixture on top and sprinkle with reserved bacon pieces.
- Bake 30 to 35 minutes, or until golden. Let cool 5 minutes then slice and serve.
Recipe adapted from and courtesy of Vidalia Onion Committee
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