text:
ED Magedson – Founder
Ripoff Report
Guardsman Service ProtectionPO Box 88010 Grand Rapids, Michigan USA
Guardsman Service Protection Denied claim Grand Rapids Michigan
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
Guardsman never provided warranty paperwork, they will not allow changes on a claim, and they use assumptions to determine claims. I called Guardsman warranty on Oct 25th to file a claim for damage I had just noticed that day. I was instructed to fill out an online form, upload pictures, and mail in a signed form. When I filed out the paperwork I made a mistake and filled out the paperwork using the dates of when I thought I purchased the furniture, rather than inputting the damage dates. Guardsman denied my claim for 2 reasons: "Bunk Bed-Bottom Bunk - Dent - The required reporting time-frame for the stain or damage has not been met under the terms of the protection plan. Bunk Bed-Bottom Bunk -Gouge - The required reporting time-frame for the stain or damage has not been met under the terms of the protection plan. Bunk Bed-Top Bunk - Dent - The required reporting timeframe for the stain or damage has not been met under the terms of the protection plan. Bunk Bed-Top Bunk - Gouge - The required reporting timeframe for the stain or damage has not been met under the terms of the protection plan." When I received their decision I immediately called and explained my mistake to them, so they opened a ticket and told me they would review it and get back to me. I received a call a few days later and was told my claim was still denied because they could not change the dates I put on my claim and because the damage looked like it occurred over a period of time and wasn't just one incident. I explained to them that I honestly had no idea when the damage occurred and I had called the very same day that I noticed the damage. They said it didn't matter and they were going by the evidence, which were the pictures I sent to them. I told them that from my view standing in front of the bed there is No Way to see the damage. The reason I noticed the damage is because I had to go on the top bunk to change the batteries in the smoke detector, otherwise I Never go on the top bunk. Therefore, there was no way to know exactly when the damage occurred because it's not like my kids would come and tell me about the damage. With all this information, they still denied my claim. Guardsman is going by their own opinion rather than what I am telling them as their reason for denying my claim. I asked them if they could prove that this was more than one incident and they just kept telling me "well that's what it looks like according to the pictures." I told them there is no way to prove whether or not this occurred in one day, multiple days, or even months, but they are going with what works better for them, without any evidence. I also told them that I never received warranty information in the mail from the company with directions on filing a claim, if I would have been able to read this before submitting the claim maybe I could have been informed on their procedures. They told me they were sending out anther package and I have yet to receive it (I spoke with them on Nov 8th). I paid $99.97 for a supposed full 5-year warranty and yet am being denied use of the claim for reasons that benefit the company and not the customer.
This report was posted on Ripoff Report on 12/02/2013 01:14 PM and is a permanent record located here: http://www.ripoffreport.com/reports/guardsman-service-protection/grand-rapids-michigan-49518/guardsman-service-protection-denied-claim-grand-rapids-michigan-1103669. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 UPDATE EX-employee responds
Comment and Suggestion
SUBMITTED: Saturday, January 11, 2014POSTED: Saturday, January 11, 2014
I used to work for Guardsman for many years. I can fully appreciate your frustration and know firsthand that your experience is very common. I think someone should have listened and given you the benefit of the doubt and serviced your request. That form states on it "date damage occurred" which trips alot of people up because sometimes they just find it and make a guess as to when it occurred. It would be more straightforward if the form just asked when you noticed it. They require photos to submit anything online, and more often than not, use the photos to deny the claim. There is an appeal process. However the reps are not allowed to volunteer that information to you. They can only give it out if you ask. You can send a letter and any documents to "Executive Committee" at the PO Box address where you mailed the form. If you explain everything that happened since you filed your request, there is a chance they will overturn the denial and service your furniture. You could also request a refund of your plan in the letter. They may stay with the denial and may also tell you they can't refund your plan except under plan terms. Not true, they break the plan terms all the time when it suits them. If they still refuse, a BBB complaint might convince them to do a refund just to have it resolved in the BBB items. It's worth a shot. Good luck with whatever you decide to do.
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This chapter does not attempt to answer the question "Should I divorce?" That decision is strictly personal, not legal, and one which only you can answer. Clients who have divorced with dignity tend to answer it, along with the question When, in three stages.
First, they have taken their own private inventory of the positives and negatives of their marriage. They seem to be able to rise above themselves, overseeing their own personal turmoil. From that height they are able to make a sane and objective judgment. Only then are they able to decide whether the source of their dissatisfaction is merely an isolated, temporary and/or acceptable situation, or requires proceeding to the second stage. Every client seems to have their own tolerance level or fuse length during this stage.
My psychologist/psychiatrist friends tell me that an isolated act of marital infidelity, for example, is generally a poor reason to end a marriage, especially of long duration where children are involved. We're all still members of the animal kingdom, the argument goes. We act on impulse. We make mistakes. What happened to forgiveness? Is the turmoil of throwing away the financial and emotional security of the entire family really worth it? But there are limits.
Frank gave Debbie three venereal diseases during their six year marriage. Debbie filed for divorce twice. Each time Frank would beg forgiveness, appeal to her sense of motherhood and family, promise religious conversion and she would reconcile with him. Everyone has a different threshold for pain.
Married to each other for forty-five years, Gladys and Bill both agreed they should have divorced thirty years ago. "What a waste", he told me. "I have never been happier than the past year of our separation", he said. His friends all agreed — at his funeral six months later. Bill was 82.
If you find the significant negatives outweigh the positives of your marriage, don't panic. It does not automatically mean you're destined for divorce. It only means you move to the second stage — marital counseling. If money is a factor, don't panic either. The Maricopa County Conciliation Court provides counseling free of charge. Churches provide free services as well. Other marital counseling services have sliding fee scales based on income. Some insurance policies cover a portion of the fees. In only five or six sessions, providing your spouse attends, you should either (1) see significant change (2) change counselors or (3) proceed to the final step.
Stage 3 — make and keep an appointment with a lawyer, preferably an experienced one. In one, no more than two meetings, a lawyer can analyze the legal issues of child custody, support, alimony, division of assets, and debts and costs. Within reasonable ranges a lawyer can advise you on what to expect financially and discharge any irrational threats by your spouse like "You'll never see the kids again", "We'll have to sell the house", or "You have no chance of getting one dime from me." (See Chapter Eleven on "Dirty Tricks")
Armed with all the necessary information you need (and with the continuing assistance of professional counseling, if necessary) you can now make a well-informed, intelligent decision away from all the chaos. If your decision is to divorce, then the only decision remaining is when?
There is never a good time to divorce. The ideal time has been referred to in the Preface — when you both want it at the same time. But most couples don't have that luxury. I hear these rationalizations: "I want to wait to get the kids in college", "relatives are coming", "I want to see my Christmas present first", "I want to wait until the kids are back in school", "I want to wait until the kids are out of school", or, "until we sell the house, pay off debts, until I finish school. . . ."
I'm not saying these are all bad reasons for waiting except this one: "I want my husband (or wife) to file first." In most states like Arizona the filing party presents their case first at trial if issues are contested, and they also go last in the rebuttal phase of their case. In close calls I want to be on the side of the first and last impressions with the judge. I also want to remove the "sting" of facts that may hurt my client's case — during our side of the case — and avoid the dramatic effect of allowing opposing counsel to bring it up first. Which trial scenario favors Mrs. Brown in a child custody contest?
Husband's Attorney: Mrs. Brown, isn't it true that you attempted suicide six months ago?
Mrs. Brown: Yes
Husband's Attorney: And how did you attempt your suicide?
Mrs. Brown: I took an overdose of sleeping pills.
Husband's Attorney: You weren't looking out for your children's best interests when you tried to poison yourself to death were you Mrs. Brown?
Mrs. Brown: I guess not?
Husband's Attorney: You guess not! But now you expect the court to believe you will always look out for their best interests and better than their father?
Mother's Attorney: Mrs. Brown, six months ago you made a mistake, didn't you?
Mrs. Brown: I sure did.
Mother's Attorney: Would you tell the court your state of mind before you made that mistake?
Mrs. Brown: I was seriously depressed and didn't know it until I started seeing my counselor right afterwards. My husband was cheating on me and telling me how awful I looked, and how stupid I was, and I just saw no other way out.
Mother's Attorney: What mistake did you make Mrs. Brown?
Mrs. Brown: I took an overdose of sleeping pills.
Mother's Attorney: Would you ever do that again?
Mrs. Brown: Never
Mother's Attorney: Why not?
Mrs. Brown: Because through counseling I have been able to understand that my husband's problems are bigger than mine. He thinks he's perfect and makes no mistakes. He feeds his ego by putting me and our kids down all the time. Now that I'm away from him I'm myself again.
Even a better reason may exist for filing first if you have determined that divorce is the only reasonable alternative — you wrestle control over your life away from your controlling spouse, who may prefer the status quo over your pain, sacrifice and unhappiness. I still am amazed though, and must always ask why, when I hear: "I should get a divorce but I'm going to let him/her file first."
So when should you divorce? Follow the three steps of a marriage inventory, marriage counseling, and legal advice. You'll know.
© 2011 Mark Cord
Chapter 3, Divorce With(Out) Dignity
Divorce Marriage counseling before divorce Dividing debts in a divorce Alimony Divorce appeals Divorce and bankruptcy Child custody Child custody appeals Bankruptcy Debt Nondischargeable debt and alimony Bankruptcy and debt Dividing property in a divorce Dividing assets in a divorce Appeals
Sign up to receive a 10-part series of useful information and legal advice about the divorce process.
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subset: commoncrawl


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Welcome to the Quilting Board!
Oh OKSGlad ... don't rearrange those spiders too much ... After all DSs GF needs to experience the full ambience!!!! So the accumulated stash in the bags, will it stay with you or go along with the quilts?
Sew many ideas ... just sew little time!!
I agree with you, EarthWalker!
She said: Most times I think these quilts are the best and most beautiful of all......Mainly because they are the epitome of a quilt....three layers stitched together, with love, care and utility in mind. No matter where it travels and what it's use it will always carry with it beauty and function.
Nice quilt! Looks comfy!
If a woman's work is never done....why start?
Your quilts will bless someone who really needs it. Good work!
I think that is a lovely quilt. And it is in the spirit of real quilts - made from left overs, waste not! Lovely colors and I like the design too! It just works visually. So often the best art is the art that just happens.


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Speed up your debug routine!
Automated exception search integrated into your IDE
Tired of useless tips?
EL1008E:(pos 0): Property or field 'saveQueryParamInSession' cannot be found on object of type 'org.springframework.webflow.engine.impl.RequestControlContextImpl' - maybe not public?
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Family-Friendly Escapades at This Berkshires Resort
Jiminy Peak Mountain Resort • Hancock, MA
Escape Kit
- A Two-Night Stay for Two Adults and Up to Three Children in a Country Inn Suite with a King Bed and a Queen Sofa Sleeper, with Arrivals on Sundays through Wednesdays
- Two Full-Day Passes to Mountain Adventure Park or Two Two-Hour Passes to Aerial Adventure Park
- Late Noon Checkout
- Combine Vouchers to Stay for Four Nights
Theme park passes, spacious suites, and a friendly staff add up to a vacation the whole family will love.
The Destination
No matter which season you visit, the Berkshire Mountains of northwest Massachusetts offer plenty of year-round fun, both indoors and out. Outdoorsy types mountain bike and hike along a local section of the Appalachian Trail, as well as on paths up Mount Greylock. Those with an interest in aesthetics can stop off at the Massachusetts Museum of Contemporary Arts, which is one of the largest modern-art museums in the world, while American classics abound at the Norman Rockwell Museum.
The Digs
Forget minimum height requirements; the roomy suites at Jiminy Peak Mountain Resort appeal to all ages. Drop into your king-size bed and catch a flick on the flat-screen TV, or wander through the separate living room—outfitted with a queen-size sleeper sofa—before rolling up your sleeves in the convenient kitchenette. After settling in, kids can celebrate by splashing down in the heated outdoor pool, while parents can cruise the Just Jiminy shop or browse the Internet via the inn's complimentary Wi-Fi.
Best of all, this Escape includes passes to your choice of the Mountain Adventure Park or Aerial Adventure Park. The former features a mountain coaster, alpine slide, giant swing, and rock climbing wall, while the latter is a forest ropes course with six individual, elevated courses. No matter which park you choose, you're in for some high-flying fun.
The Diversions
Ride. Mountain Adventure Park
Climb. Aerial Adventure Park
Dine. John Harvard's Brewery & Ale House
"Great family fun time. The staff was very accommodating, friendly and upbeat! Would definitely return."-- LivingSocial Member
"This was a fun mini vacation for us. The kids are already talking about going back next year. The suite was spacious and clean. Thank you!"-- LivingSocial Member
escapes 30-day promise
LivingSocial gives you up to 30 days to return your unused voucher for a full refund. Once you've made a reservation, you are subject to the merchant's cancellation and refund policy. If you want to secure your preferred dates of travel, we strongly recommend that you complete reservation with the merchant within 30 days of your purchase—after that, LivingSocial will not issue any refunds.
the fine print
- Limit 2 per customer, additional as gifts; up to 2 vouchers may be combined to extend stay
- Only valid for arrivals on Sundays, Mondays, Tuesdays and Wednesday between now and August 28, 2014
- Reservations required and subject to availability
- Not valid toward existing or room block reservations
- Merchant cancellation/rescheduling policy and fees apply once booking is made; voucher subject to forfeiture
- Voucher valid for 2 adults and up to 3 children
- Room includes one king bed and one queen sofa bed
- Rollaways available for $15 per night; subject to availability
- Taxes/resort fee not included; payable directly to the property
- Nights must be spent consecutively; all inclusions must be redeemed during one stay
- Blackout date(s): July 3 and 17
- Other conditions apply • PAID AND PROMOTIONAL VALUES EXPIRES ON August 28, 2014 • PAID VALUE DOES NOT EXPIRE • PAID VALUE EXPIRES ON August 28, 2019 • PROMOTIONAL VALUE EXPIRES ON August 28, 2014 • Enjoy By August 28, 2014
Other conditions apply
Except where noted in the fine print:
• Cannot be combined with any other offer or promotion
• Tax and gratuity are not included
• Merchant is responsible for the quality of the products or services provided to you at redemption
• LivingSocial Terms and Conditions - https://www.livingsocial.com/terms
Original Price:
- 0% savings
- remaining


text:
Guys and Real Dolls: a Story of Stunted Emotional Growth, Fear of Rejection, Acute Loneliness and Ne HTML version
II – Recent case of necrophilia5 in Quebec
In May 2008, Nancy Michaud, a political staffer from Quebec, was abducted from her
home by a neighbour, shot in the head and raped three times post- mortem. The culprit,
29-year-old Francis Proulx, a marginalized individual and only child raised by a highly
devout, manic depressive and controlling mother, claimed to have suffered abuse,
bullying and rejection all his life and to have had problems socializing with people and
functioning normally in society. After the rape, he proudly boasted to his cellmate of
'having had sex with a woman' for the first time. He was also found guilty breaking and
entering into people's home carrying a gun and wearing a James Bond uniform.
According to the definition provided by Rosman and Resnick (Wikipedia), the following
factors could be considered as precursors of necrophilia: 1) poor self-esteem, perhaps due
in part to a significant loss; 2) a great fear of rejection by women/men and a desire to find
a sexual partner who is incapable of rejecting him/her; and 3) an exciting sexual fantasy
with a corpse, sometimes developed after having been exposed to one. Rosman and
Resnick also indicated that among the 'necrophiliacs' surveyed in their study, "68% were
motivated by a desire for an unresisting and unrejecting partner; [...] 15% by sexual
attraction to dead people; 15% by a desire for comfort or to overcome feelings of
isolation; and 11% by a desire to remedy low self-esteem by expressing power over a
5 necrophilia n. A paraphilia characterized by recurrent sexually arousing fantasies, sexual urges, or behaviour


text:
ED Magedson – Founder
Ripoff Report
OCWEN, Select State/Province USA
OCWEN Loan Servicing OCWEN Steals from your Bank Account! Nationwide
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
OCWEN has more than one way and method to steal from you. Even when you are faithful in making your payments and never miss a single payment they have a new way to steal from you. I think the reason they do this is to cause you extraoridinary debt, damage your credit or force you into illegal forclosure.
Calling them on the phone is worthless. They will yes you but never follow your instructions!
A few months ago, I filled out a card INQUIRING, not agreeing, just inquiring about their accelerated loan program. They signed me up without my knowledge or permission and double dipped into my bank account for months making me late on my other obligations and wiping out my savings!
It took days to figure out what was going on combing through bank statements and following up with days of waiting on the phone and talking with both OCWEN's regular payment processing and their accelerated payment processing center. Their escuse was that I did not cancel the ATH when signing up for the accelerated. I never signed up for the accelerated plan! I asked them to prove it and to send copies of the signed agreement to sign up for the accelerated plan. They send back some B.S. form letter that showed nothing. No proof! They did this all on their own for ulterior motives to either force me into forclosure, ruin my credit and chances for refinancing with a credible and ethincal mortgage company and to just flat out steal from me.
They took some money that was never applied to the mortgage, just taken from the account in one month and when I told them to desist and stop the accelerated payments and return the money they said they would and it appeared they returned some money but then took it out again and then some more completely ignoring my request! They double dipped for over 3 months blatantly ignoring requests but saying they would stop it. They didn't. It got so bad I had to close my bank account to stop them and open a new account. I don't owe anything till February (it should be March) and can not trust them. How do pay your Mortgage payments without being raped and raided by OCWEN who takes money out of your account without permission? This is the second time this had happened. The first time it happened we had to do the same thing then OCWEN steps in with a whole new mortgage finance charging interest all over again.
I am tempted to give them nothing, absolutely nothing because who can afford to be robbed by these criminals? They source it all out to India pigeons so they can shirk their criminal activities. This is the NEW SCAM! Beware! If you live in Florida and want to file a class Action contact me. Thank you.
This report was posted on Ripoff Report on 01/12/2014 09:05 AM and is a permanent record located here: http://www.ripoffreport.com/reports/ocwen/select-stateprovince/ocwen-loan-servicing-ocwen-steals-from-your-bank-account-nationwide-1114940. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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text:
Does this answer it? 102 in the shade today!
Welcome to the Quilting Board!
Does this answer it? 102 in the shade today!
very funny
I saw this on facebook today. Funny! Thanks for sharing.
I'm slow....took me a minute to realize what I was looking at!!! Very funny
LOL...it seems to be hot everywhere these days...we had 116 heat index today in SE Michigan....we haven't had heat like that since forever! I had to break down and buy an air conditioner...I hate them...but couldn't take it anymore.
:lol: :lol:
you're not alone---it's almost as hot in PA!
Barely bearable!
We're on our TWENTIETH consecutive days of 100+ heat.
this weather is getting the best of alot of us. Stay safe everyone! It is too hot to do much of anything just thankful I have an air conditioner and can pay the bill to run it..


text:
George F. Molinar
On July 14, 2014, we buried our father, George F. Molinar. His obituary left out the MOST important fact, that he was married to our mother, Irma Alvarez Molinar, who precedes him in death. Their love was so strong that they married twice to validate their love and commitment for each other. Following our mothers death, our father was never the same, he waited patiently for his time to pass so he could be reunited with the love of his life, his viejita. So dad, with a broken heart we say good-bye, but we are rejoicing knowing that you and mom are happily dancing together in heaven and are once again reunited. "Our love will always be with you both."
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Tiger Woods cards a par on the par-3 5th hole at Bridgestone
In the final round of the 2014 World Golf Championships - Bridgestone Invitational, Tiger Woods hits his 65-yard approach to 8 feet and brushes in the putt for par on the par-3 5th hole.
© 1995-2017 PGA TOUR, Inc | All Rights Reserved.
PGA TOUR, PGA TOUR Champions, Web.com Tour, and the Swinging Golfer design are registered trademarks.
Web.com is also a registered trademark used here with permission, and used in the Web.com Tour logo with permission.


text: I have a silverado with 29k on it I was thinking about modding my 5.3 . Well my cousin gave me a brand new 572 since he is going back to Mexico he can't take it. Any tips? Before I swap or what do I need to swap out it out


text:
What is the herb merengue good for?
There is no such herb so I would say Nothing.
Is there any good 18+ clubs in san diego that play bachata, salsa, merengue, and reggaeton?
Club Caribe5080 Bonita Rd, Bonita, California 8.5 mi E (619) 472-2400  · caribenightclub.com
What is sage the herb good for?
A turkey roasting in the oven, stuffed with sage, scents your house with memories of Thanksgiving. While useful in cooking, Salvia officinalis (Latin meaning "to save") is prized for its many benef...
Read More »
What herb is good to rid home of Knats?
What herb is good for arthritis in the neck and back?
AnswerI do not know about a herb, but I do know about a food which has been said to help tremendously with pain and discomfort -- more than the pharmaceuticals in fact. This food is red cherries; w...
Read More »


text:
Create a free account to check out faster, store multiple shipping addresses, view and track your orders in your account, and much more.
Please enter your password to continue.
I thought I would enjoy this product because it was for colored hair, however, after using it several times, it left my hair feeling heavy with product. I already have extremely thick hair, so I was hoping this product wouldn't be as heavy on my hair, however, I got the opposite effect. I'd recommend it for those with thinner hair, but definitely not someone with thick hair.3
I love the combination of shampoo and conditioner with a great finishing scent. This one does the trick. It has a silky quality when applied and isn't too heavy. Great daily conditioner. Love it combined with the shampoo. People who constantly color their hair will be repeat customers...5


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Spending a day at the spa can make you feel like royalty, much like cleaning out your earwax with a tiny silver spoon. Rule with a soft, well-moisturized fist with this Groupon.
Choose from Three Options
- $39 for one microdermabrasion with a paraffin-wax hand treatment (up to a $95 value)
- $75 for two microdermabrasions with paraffin-wax hand treatments (up to a $190 value)
- $99 for three microdermabrasions with paraffin-wax hand treatments (up to a $285 value)
The microdermabrasion resurfaces skin to diminish the appearance of fine lines and sun damage. The paraffin-wax treatment promotes similarly smooth skin on the hands.
Bamboo Salon and Spa
Drawing on more than a decade of professional experience as a massage therapist and aesthetician, Chantal Withers oversees a service menu that includes both skin and body treatments. Massage clients can choose from a slew of aromatherapy oils to augment their sessions; hot-stone massages and raindrop therapy are also available.
Facials employ a variety of skin-improving remedies, including a blend of collagen and vitamin C that firms and brightens aging skin. Chantal also performs body scrubs and waxing services, as well as regular or Shellac nail treatments.
Customer Reviews
3645 S Manhattan Ave
Tampa, FL 33629
+18139571033Get Directions


text:
Thank you so much for these lessons, have really enjoyed them.
Printable View
Thank you so much for these lessons, have really enjoyed them.
You're more than welcome everyone. I'm glad I can help. Quilting is sharing in my opinion so pass it on to your friends. I hope you all have many happy hours using your EQ
oh wow! gold mine here! thank you so very much! im getting one of these very very soon and i will definitely be using this i think i will print them off into a book as well. again, thank you much!
Thank you sew much Rhonda!
Let me just add my name the looooong list of EQ7 novices who can't say thank you enough!!!
You're very welcome. I hope they help.
yes i would like to be on your list to thank you
Thanks much!! I love your tutorials -- I did not have time to keep up with all of them, so I really appreciate this.
Thank you so much for these easy to understand tutorials. It is so very much appreciated.
Well isn't that great to have them all here and in pdf format...thanks bunches


text:
Free personalized radio that
plays the music you love
Get Down (You're The One For Me)
You're my ecstasy
You're the one I need
Hey yeah
You're my ecstasy
You're the one I need
Hey yeah
Features of This Trackmodern r&b stylings
repetitive melodic phrasing
extensive vamping
a clear focus on recording studio production
minor key tonality
a dynamic male vocalist
a partially spoken vocal delivery
prominent use of synth
vocal harmonies
and many other similarities identified in the Music Genome Project
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.show more
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text:
Archive site
This site has been archived and is no longer being updated. You can visit the new RCN website at www.rcn.org.uk
17. Mandatory medication training? (resolution)
Management and Leadership Forum
That this meeting of RCN Congress urges Council to lobby for comprehensive validated medication training to be made mandatory to all health care support workers/health care assistants working in the independent sector.
On this page:
- Watch the debate
- Read the progress report
- Read the debate report
- Read the background information
Progress reports
Council Committee: NPPC
Committee decision: New work
Council member/other member/stakeholder involvement: Ann Marie O'Neill, Kevin Bell, Susan Fern
Staff contact: email@example.com
Although there is already a project to establish induction resources for HCAs, the issue of mandatory medication training has not been covered. Views will be sought on the best way to take this forward.
The following task and finish group has been established:
- Ann Marie O'Neill, Vice Chair of RCN Council (chair)
- Steve Watson, RCN Learning and Development Facilitator
- Iain McGregor, Chair of RCN Older People's Forum
- Tanis Hand, RCN HCA Adviser
- Ruth Bury, Inspector – Health, Regional Office North Wales, Care and Social Services Inspectorate Wales (CSSIW)
- Susan Went, Senior Expert in Healthcare Quality Improvement RCP/RCGP/RCPsych
- Ann Close, Head of Quality CQC
- Margaret McCambridge (MMC) Learning Representative, Northern Ireland
Regulation of HCSWs will assist in setting mandatory training standards for HCSWs. Until then, there is a need for clear standards for medication administration by support workers. The task and finish group has met and agreed to collate relevant standards and lobby for medication training for HCSWs to become mandatory in the independent sector.
Key milestones:
- Literature review
- Collation of existing standards
- Lobby relevant bodies to agree that training becomes mandatory
The following action plan to achieve the milestones has been agreed:
- Perform a literature review to define the extent of the problem associated with medication management in the independent sector, in particular with regard to HCAs
- Collate the guidance available on the provision of training and supervision of support workers in the safe administration of medication in the care home setting.
- Task and finish group to advise on best way forward for project (end October 2010)
Progress made so far:
- Task and finish group met.
- The literature review is complete.
In addition, Tanis Hand has joined the clinical reference group for a piece of work being undertaken by Susan Went (senior expert in healthcare quality improvement) on behalf of the joint Colleges (RCP/RCGP/RCPsych) on medicines management in care homes. This is commissioned by the Department of Health and covers the whole medicines management pathway. The preparatory work is due to be complete by the end of March 2011. The role of the clinical reference group is to assist in producing tools that will help staff on the ground improve the quality of medicines management in the care home setting.
Tanis Hand has responded to an email conversation between members of the reference group reviewing a list of ideas. These are being collated by Susan Went. Susan has had a copy of the literature review and has requested further information on examples of good practice across all care settings prior to the first meeting of the clinical reference group. She would like to know:
- Are there any medicines management tools being used in acute and other settings that make management of medicines safer/easier and that could be transferable to the care setting?
- Are there elements of red flag/early warning of deterioration that would also be relevant to residents in the care setting? She is looking for practical examples where systems enable staff to identify deteriorating health in the elderly patient.
A request has gone out to RCN nursing advisers and disseminated to their networks for information on the above questions.
Next steps:
- Tanis Hand to continue to keep the task and finish group and MRC updated on the work of the clinical reference group
- Ask Council to lobby for support of the finished document when complete
- Susan Went will establish task and finish groups, one for each of the main clinical groups – medical, pharmacy and nursing. Each group may be led by the relevant profession but we should aim to keep each group multidisciplinary in membership. Once we have identified the priorities, these groups will be charged with sourcing/designing/developing prototype tools.
- The joint colleges' project "An integrated approach to medication safety in care homes: Working together to develop practical solutions" was launched formally on 17 March, and the RCN was represented at this meeting by Tanis Hand and Matthew Griffiths. The aim of the project is to jointly develop a set of practical tools to reduce the incidence of medication errors and near misses in care homes.
- Tanis Hand is on the Training and Education of HCSW Group which will be meeting over the next few months. The project is due for completion in September 2011 and Council will be asked to support the outcomes and, in particular, the mandatory medication training on completion of the project.
Debate report
Proposer Steve Watson, RCN Management and Leadership Forum, highlighted the danger of medication being administered to vulnerable adults by untrained health care assistants (HCAs), focusing on the independent care home sector. He said that sometimes HCAs were forced to do medication rounds unsupervised, and called for accredited training for all who administer drugs.
Steve stressed that the training needed to be accessible to small care homes, which have tight training budgets. He said: "Congress – we need to ensure our HCA members feel confident in this role."
Seconder Iain McGregor, RCN Older People's Forum, stated that there are currently many courses offered by different companies, some of which are not competence based. He called for a nationally-recognised course.
Jean Richards, Flintshire and Wrexham Branch, felt that the training offered in her small care home is not adequate. She said: "The half day, or full day given by our pharmacy is not enough."
Some speakers felt the issue was just as important for those working in the community. Heather Blake, Southampton Branch, said: "I see an awful lot of people in their own homes whose compliance with medication is nil."
Soline Jerram, RCN Older People's Forum, felt that GPs should support HCAs in training, as they are delegating the administering of medication to them.
The only speaker against the resolution was David Jones, Greater Bristol Branch, who pointed out that there is no governing body for health care support workers and HCAs. He asked: "If we pass this, who gets the blame if something goes wrong?"
Congress passed the resolution with 59.95% of the vote.
Medication errors appear in the top five incidents reported across all areas of care provision – according to the National Patient Safety Agency which monitors them. In October 2009 the BBC (Triggle N, 2009) reported on the findings of research which revealed that elderly people living in care homes were being put at risk as a result of care home drug errors. This issue has also been highlighted by other bodies, including the Alzheimer's Society, and debated by an all party Parliamentary Group on Dementia.
The Care Quality Commission in England and the Care Commission in Scotland and Wales currently inspect independent care homes. This includes checking whether employees meet standards relating to the handling, administration and disposal of medicine and have received appropriate training and education.
The national minimum standard requires accredited training in medication to be made available to all staff responsible for the administration of medication. However, regulators report inconsistencies in the skills and training of staff, while recent research on quality and safety in health care in care homes (Barber et al., 2009) identified that two-thirds of residents were exposed to one or more medication errors.
References and further reading
Age Concern (2009) Age Concern and Help the Aged respond to BMJ report: care home residents subject to drug errors, 06.10.09. London: Age Concern
Barber ND, Alldred DP, Raynor DK, Dickenson R, Garfield S, Jesson B, Lim R, Savage I, Standage C, Buckle P, Carpenter J, Franklin B, Woloshynowych M and Zermansky AG (2009) Care homes' use of medicines study: prevalence, causes and potential harm of medication errors in care homes for older people. Quality and Safety in Health Care, 18 (5), Oct., pp341 – 346
Nursing Standard (2009) Reports highlight drug errors in residential care homes, Nursing Standard, 24 (6), Oct 14-21, p11
Triggle N (2009) Fears over care home drug errors, London: BBC News


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Aerial Perspective Night Scene
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Light is more scattered farther away, so there is less contrast and more brightness. Objects farther away are more blue as light is receding, closer they are more red as light is approaching. Color is more saturated up close than far away, and generally farther away objects are more blurry.
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By Chief ZDN
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I'll ask you with 2 question. Can we create network from scratch now or in the future? If available, will it included in the NAM?
I hope you make solutions to above questions (especially first question). I'm not arrogant or have the knowledge. I know this is difficult. But, starter pieces system has some minuses, like must place the starter piece.
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The land of Technology
On February 4, 1991, the US State of Minderia was granted independence after a referendum on the issue the previous year. Located on a giant island west of Los Angeles, it shares a water border with the United States, and its capital is Minderia City, which was only founded in 1977. This SimCity 4 YouTube City Journal is meant to follow the growth of the seven major cities of Minderia. In the end, (sometime in 2020) we will have a city journal finally worthy of being on the City Journal section of this site (which is probably when ST 10.0 will be released)
Without further ado, here's Part 1 of the series!
Here's a rundown on what has been done in this video. In the first entry to this series, we make the interchange of Highway MA4 and MA7 on the South Split as well as build up a retail park, which will be moved further down south because it doesn't exactly look realistic where it sits now. Other than that, I forgot the skyscraper re-lots from KOSC, yeah. Gonna half to download those before the next episode.
By hiddentemple
I installed NAM version 35 a couple of days ago, and works flawlessly, with little to no problems. However, it seems to be doing something with my roundabouts: the avenue, one-way, and regular road roundabouts seem to completely disappear, and I usually have to bulldoze the whole thing and attempt to rebuild it, with rudimentary results. This is a serious concern for me, as some of my cities are saturated with roundabouts.
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A post-race inspection at Indianapolis Motor Speedway has resulted in a hefty penalty for the No. 11 Joe Gibbs Racing team.
The infraction is a P5 level penalty which is a step down from the stiffest penalty in the NASCAR handbook.
According to NASCAR, the penalties came after officials found parts on Denny Hamlin's car that fail or were improperly installed to fail in their intended use of great importance. Those parts include "rear wheel panels that fail and allow air evacuation in the trunk area; an oil box cover that fails and allows air evacuation in the driver compartment; and a shifter boot cover that fails and allows air evacuation through the floor pan."


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Back to School in Guanajuato
Trip Start Jan 12, 2007
29Trip End Nov 19, 2007
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The city itself was so appealing to us, and our overall experience so fulfilling, that it is difficult to know where to begin. But here goes.
Guanajuato (pop. 120,000) is almost in the dead centre of Mexico, about a 5-hour drive east from Guadalajara, and about 4 hours northwest of Mexico City.
The historic centre of the city is located in a little valley and many of the residential neighborhoods, including where our home-stay was located, are perched on the surrounding hills
Underneath the city is a rabbit warren of tunnels which were originally built to divert flood waters but were converted to traffic tunnels in the 1950s to ease congestion above ground. Driving through the labyrinth of dimly lit, rock walled tunnels - which we did twice, getting lost both times - was like trying to escape from a cornfield maze.
Above ground, the city is connected for the most part by "callejons", or narrow alleys, most of which do not allow cars, making it a perfect walking-city. The most famous callejon is Callejon Del Beso (Alley of the Kiss), which is so narrow that the balconies of the houses on the opposite side of the callejon almost touch.
In the centre of the city lies the triangle-shaped Jardin de Union, which is shaded by low-lying Laurel trees and which is lined with restaurants, bars and stores on two sides. On the third side is a striking theatre - Teatro Juarez - and a church, Templo San Diego. The Jardin is the hub of activity and on any given night is crowded with strolling mariachi bands, families and free-spirited students (the University of Guanajuato is just a few blocks away)
The Spanish colonial architecture (16th -19th Century) throughout the city is highly appealing. The Basilica de Nuestra Senora de Guanajuato, which is in the Plaza la Paz, a stone�s throw from the Jardin, is the largest and most impressive church and is dedicated to the Virgin Guadalupe, Mexico�s patron saint.
For a relatively small city, Guanajuato has had an immensely interesting history: it was the world's leading silver-extraction centre in the 18th century; it played a key role in Mexico�s battle for Independence from Spain (early 1800s); it is the birth place of Mexico�s most famous painter, Diego Rivera, etc. Because of this, and because it is a university town, it oozes with cultural activities - museums, galleries, concerts, street performances, etc.. The pinnacle, we are told, is the month-long Festival Cervantino (named after the author of Don Quixote) which occurs every October and is the biggest cultural arts festival in Latin America.
The Escuela Mexicana Guanajuato - the school that Adrienne found for us on the Net - couldn't have been more perfect, and it is there where we practiced our Spanish, cooked, danced, made friends, and generally made merry for 3 weeks.
The school was about 5 minutes away from the Jardin on a sleepy callejon, and the 3-story, yellow shaded building was full of charm. The teachers - in the their 20 and 30s -were intelligent and fun and the classes were small: during the second week it was just the 2 of us in each of our 5 courses
While the grammar and conversation courses were important, the cooking and dancing classes were the highlights. In our cooking classes with Anna - again, just the two of us - we made Tinga (chicken stew, sort of), Sopes (soft tacos meet tostados) and Albondignes (meatballs stuffed with hardboiled eggs in a tangy red sauce). All delicious and all easily replicated once we get home. The dance moves we learned, on the other hand, are probably not so easily replicated once we get home. While Adrienne took the "feel-the-music" approach, I held to the "dancing-is-a-system-to-be-learned" approach, and as a couple we met with tentative success, at best. On her own Adrienne was of course a star - she continues to relish in the fact that Miguel, our dance instructor, told her she was a "natural".
Another aspect of the school that satiated us was that the other students were such interesting people: Annie and Robert from Todas Santos - she a poet, he a race-car driver; Rich, a 30-something pediatrician who travels with couples when they head oversees to adopt children; Javier, who owned a moving company in San Francisco for 19 years but gave it up to pursue painting full time in Guanajuato; Shari who, after 25 years, left her oil and gas legal practice in Denver to try and join the foreign service; Jill, who�s husband is a statistician and telecommutes each day from Guanajuato to his office in Connecticut
All that said, probably the best part of the whole experience for us was the home-stay. Senora Maria Elena Prado and her family (21-year old twins, Hayde and Alex) and extended family (Maria�s boyfriend Rey, Barbara, the neighbour from 2 houses down, and Jenny, another homestay student from Wisconsin) patiently talked to us in Spanish, stuffed us with excellent food regardless of our schedule, and generally treated us like part of the family. Without asking, our beds were made daily (tight & crisp like Grandma makes �em).
Although reluctant to leave we packed our bags on May 13, destination Mexico City.
Highlights (of the last 3 weeks or so)
- In a moment of pure bliss, on our second night in Guanajuato, we sat at a patio on the Jardin, shared a bottle of the cheapest white wine on the menu, and watched the Canucks beat Dallas on the big screen in Game 7, with the ageless playoff warrior, Linden, scoring the winning goal. And with about 5 minutes left it started to drizzle, our first rain of the trip
- seeing the Univeristy�s Folkloric Ballet perform dances from Mexico�s various regions, a Latin Jazz concert, 3 movies (the cost - $2.20 per person - allowed us to splurge on the refillable popcorn), the Diego Rivera Museum, among others.
- The first weekend we drove to San Miguel Allende, about 100 kilometeres to the east, camping there on Saturday night. SMA is also a beautiful colonial town but its downside is that it is firmly on the Gringo map - with both tourists and full-time residents - something which Guanajuato has managed to avoid (so far). That said, we were mesmerized by a traditional and no doubt highly expensive Mexican wedding at the church off the main plaza.
- receiving a certificate at the end of our 3-week of study that stated we had reached an "intermediate" level of Spanish. If only we could speak in the past and/or future tenses.
- Our new, easier to pronounce in Spanish, latina nombres: Gregorio and Adrianna...we think it adds a certain flair.
-being invited by 20 year-old Jenny to hit the bars with her and her girlfriends. We lasted until about midnight (on a school night).
- In order to get to Cerra Del Cuatro - the neighborhood where our home stay was - we had to hike up 150 or so steep stairs on Callejon Penasco in mid-day heat. Each time we made the ascent, we felt as if we had done the Grouse Grind.


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Mid-Missouri man arrested for arson
Larry Skinner rents a storage unit damaged in Monday's fire
MEXICO, Mo. - A man was taken into custody two days after a storage facility in Mid-Missouri goes up flames.
Firefighters spent more than four hours at the scene early Monday in Mexico, Mo. Most of the 18 units off South Olive were damaged.
Officials called in the State Fire Marshals office to investigate the possible arson. They later arrested the suspect, Larry Skinner, Wednesday night in Centralia.
Skinner rents one of the units. He was taken to the Audrain County jail.


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With the increasing focus on environmental performance and sustainability, consumers and other stakeholders are demanding that forest-based materials they buy come from sustainably managed sources. They want proof that organisations supplying these products have implemented systems and processes that meet corporate and social objectives. The challenge for most forest products companies is ensuring they have the right processes that can effectively track and record each stage of wood fibre processing. Without effective tracking systems, your company may have difficulty in demonstrating that they are acting in an environmentally and socially responsible manner, and meeting the rapidly increasing number of industry standards.
PwC forest industry professionals can work with your company to establish a certified Chain of Custody (CoC) process that enables you to document the origin of forest based raw materials and track them through the supply chain, ensuring that the process integrates with your existing management systems and meets the expectations of your stakeholders. We can take a strategic approach to this work, assessing your strategic and operational issues and recent business developments to understand their impact on your supply chain.


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|© 2007-2010 modernhouston.net. - all rights reserved.
|MA MODULAR: Modernizing the Modular Home
by Christina Gaona
"Ma refers to the Japanese concept meaning an interval in time and space,
a dramatic pause, the silence between phrases of music. In architecture,
it is a quiet, neutral space that enhances the whole of a design.
Ma is our design inspiration. A simple, elegant sanctuary. Ma is home."
|Ma Modular, birthed from KRDB, a modern residential and commercial design/build
firm in Austin, Texas, offers homeowners something previously unimagined in the
modern home market. Using a careful and strategic design process in correlation
with the production benefits of manufacturing, Ma offers affordable modular
homes equipped with luxury, modern features, and sustainable design.
|Ma Modular buildings provide versatile space that can function as a first or second
single family residence, home office, or studio. Multiple floor plans, both single and
two-story, are comprised of standardized units that require fewer moving parts and
offer maximum flexibility for interior and exterior connections. Ma Modular offers two
standard module sizes both 15 feet wide and either 36 feet or 60 feet long and a
variety of connector and stair modules unite the larger, main modules. Each of
these base module sizes accommodates three distinct single floor plans – a total
of 6 – that can be combined to create a unique single-family residence with
multiple bedrooms and bathrooms, either as a single-floor or two-story residence.
|The floor plans for two of the three 36ft X 15ft units – called Dharma and Karma – each
feature a living room space, full kitchen, and bathroom making a perfect studio,
office, or rental unit. Karma also includes a covered outdoor deck area and each
of the two floor plan designs is fitted with 3 or 4 connections for additional modules.
Intima, the third 36ft X 15ft unit offers two spacious bedrooms with an entry deck
and with one sliding patio door. A Jack & Jill bath with a long vanity connects
the two bedrooms and includes a storage/ desk wall.
|Grandma, one of three 60ft X 15ft units can easily function as a 900 square foot
stand-alone home or can be the foundational unit to which additional modules
are connected. It features one large bedroom with a large closet, centralized bathroom,
kitchen, and utility, as well as an open living area and an outdoor deck.
Maxima is a 60ft X 15ft open-use unit that can function as a large living room area
or studio to another bedroom module unit. It is equipped with a full kitchen,
bathroom, utility room, and large open deck.
|Soma, the third 60ft X 15ft unit offers two bedrooms and bathrooms. One of the two
bedrooms is a master suite with a double walk-in closet and master bathroom. The
central space between bedrooms is intended as an outdoor space, a connector
or vestibule, or a landing space for stairs in a two-story plan.
The adaptability of the modules allows for multiple combined floor plan configurations.
Each Ma Modular home is equipped with several sustainable features such as special
R19 exterior wall insulation, R30 to R50 roof insulation, efficient low e-insulation windows,
metal roofs that are reflective and durable, and bamboo and cork finished floors and
fixtures that are sustainably harvested. Each Ma Modular home comes standard with
high ceilings, robust metal and wood siding, sliding glass patio doors, and solid surface
countertops. Several interior finishes for modern cabinetry and countertops are
available as well as for modern stainless steel appliances. Even the lighting
fixtures available in Ma Modular homes are modern design.
|Ma Modular produces modern prefabricated homes that make owning a modern
home more accessible. Individual square footage costs run between $125 and
$150 – more expensive than traditional manufactured homes, but less than other
modern modular homes on the market – and include soft costs like design costs,
engineering fees and utilities hookup. Also included are module costs like
foundation, framing, pluming, and insulated low e-windows as well as
allowances for interior finishes, fixtures, and appliances.
|Each Ma Modular home has a factory-to-site time of approximately 180 days and
requires two weeks of finishing after arriving on site. Some green features like solar
arrays, tankless hot water heaters, and rain water harvesting systems are available
at additional cost. Not included in the base square footage cost is the actual
property and any decks, driveways, and landscaping on the property. There is
also an additional cost if the property is not already equipped with sewer, water,
or electric.
|For more information on Ma Modular visit
their website at www.mamodular.com
or www.krdb.com
Photos taken from the Ma Modular
model home located in Austin, Texas.


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It smells amazing like taking a dip in the dead sea! It is not harsh on the skin at all, in fact i use it on my face mostly. It certainly can be used as a daily bar for a guy, but if the girl friend stays over they wouldnt mind it either. Impressive stuff, really cleans the skin after a long weekend!5
This soap didn't irritate my skin like most soaps do, especially after shaving. I used this soap while shaving and my skin felt super soft afterwards! Also it smells really good! The only downside is that it's really not the kind of soap you use everyday, it's really just for every once in a while! But overall it was worth the purchase!4


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Earth, Wind And Fire – Biography
Earth, Wind & Fire also known as EWF, was founded in Chicago by Maurice White in 1969. Other members included Philip Bailey, Verdine White, Ralph Johnson, Larry Dunn, and Al McKay. One of the most successful and critically acclaimed bands of the twentieth century, Earth, Wind And Fire played mostly soul, disco, R&B, funk, jazz and rock music.
The band released their self-titled debut album, Earth, Wind, Fire, in February 1971. The album was critically acclaimed. In November 1971, they released their second album, The Need of Love, which was also very well received.
In 1973, the album Head to the Sky was released, giving the the group their first two legitimate hit singles. "Evil" and "Keep Your Head to the Sky". Both these singles reached the top 30 and the top 60 on the R&B and pop charts.
This initial success propelled Earth Wind And Fire to international stardom and their popularity stayed intcat till today. The band's impressive resume includes 20 Grammy nominations and winning six as a group with two of its members, Maurice White and Bailey, winning separate individual awards. They were also nominated for 12 American Music Awards and won four.
They have been inducted into the Rock and Roll Hall of Fame and the Vocal Group Hall of Fame, received a star on the Hollywood Walk of Fame, and have sold over 90 million albums worldwide. Five members of Earth, Wind & Fire were also inducted into the Songwriters Hall of Fame: Maurice White, Philip Bailey, Verdine White, Larry Dunn and Al McKay. The music industry and fans have bestowed Lifetime Achievement honors from the American Society of Composers, Authors and Publishers (Rhythm & Soul Heritage Award – 2002), NAACP (Hall of Fame – 1994) and the BET Awards (Lifetime Achievement Award – 2002).
The band is also known as having been the first African-American performers to sell out Madison Square Garden and to receive the MSG Gold Ticket Award. President Barack Obama invited Earth, Wind & Fire to perform at the White House for the first social event of the new administration.


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For a guy who says he'd rather think about the present than wax nostalgic, Georgia swimming coach Jack Bauerle has been doing a lot of reflecting lately.
A new all-sport home winning streak 17 years in the making hit home last month, and his recent election to the Georgia Sports Hall of Fame brought back a flood of memories dating back to his hiring in 1979.
See Also
"I've been thinking about Coach (Vince) Dooley, who was the athletic director, and Liz Murphy, who was our women's athletic director then," Bauerle said. "I thought about how they decided to hire me without any head coaching experience. I was 27, and I can't thank them both enough for that chance. It's the little things here and the little things there that people do for you that add up."
In Bauerle's case, it's mostly been wins — the women's team is on home winning streak that began in 1995 — and the honors adding up. He's captured plenty of championships at various levels, and today he'll join some of the state's all-time greats when he is officially inducted into the Hall of Fame.
He joins an induction class that includes former Georgia football and baseball player Cliff Kimsey, former Atlanta Braves pitcher John Smoltz, former Georgia Southern and Canadian Football League quarterback Tracy Hamm, basketball referee Sally Smalley Bell and football official Bob Boylston.
"I'm just so anxious to be there and to enjoy meeting the other nominees, who I know of and who you never really get a chance to meet and usually only read about in the sports world," Bauerle said. "To be mentioned with them, that's something huge."
The surprising thing about Bauerle's tenure, he said, is that it doesn't usually feel like it's been all that long, especially with the low turnover on his coaching staff. Every once in a while, though, something catches up to him and makes him realize just how long his reign has been.
"I had a couple of melancholy moments recently where I just though, 'Holy mackerel, this time has passed very quickly,'" Bauerle said. "None of these awards come to you unless you're a little older. They don't give those to you if you're 30."
But while Bauerle's name is less well-known than, say, John Smoltz's, his accomplishments have been no less impressive on his stage.
Bauerle has coached the women's team to four NCAA team championships, been runner-up six times, won nine SEC championships, 21 times finished the season ranked in the top 10 and coached athletes to gold medals, most notably at the 2008 Bejing Olympic Games.
This induction, though, means more than any of those accomplishments.
And it's not because it epitomizes Bauerle's consistency or dedication the way winning streaks and championships do. It's because the induction is a credit to the people who made those things possible.
"On the personal side of it, I view this as my greatest honor, really," Bauerle said. "It's the culmination of all the things that have happened since I've been here, and it's the culmination of a lot of things people have helped me with since then. This makes me really appreciate all the things people have done for me over the years to get me here."


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Indonesia Seen Raising Deposit Facility Rate as Rupiah Slumps
Bank Indonesia may begin raising the rate it pays lenders for overnight deposits as early as this week to shore up Asia's worst-performing currency in the past year, as the largest trade deficit since at least 2008 revives pressure on the rupiah.
The central bank may increase the deposit facility rate, also known as the Fasbi, by a quarter of a percentage point to 4.25 percent tomorrow even as it keeps the benchmark reference rate unchanged, according to United Overseas Bank Ltd. economist Ho Woei Chen. Bank of America Corp. and DBS Group Holdings Ltd. (DBS), Southeast Asia's largest lender, forecast the measure will rise to 4.75 percent by mid-2013.
The rupiah has dropped more than 6.5 percent against the dollar in the past year as rising imports and declining exports led to a widening current-account deficit and a trade gap of $1.5 billion in October. The central bank, which has refrained from adding to a February reduction in its key rate, will need to boost short-term borrowing costs to restrain domestic demand and support fund inflows, DBS economist Eugene Leow said.
"With the trade balance so wide, it seems likely for Bank Indonesia to hike soon," Singapore-based Leow said. "The most acute period is around now. If the central bank can temper import growth and ensure sufficient external funding, then Indonesia is well poised to maintain its growth profile next year."
The local currency was little changed at 9,655 per dollar as of 9:50 a.m. in Jakarta, after reaching a three-year low of 9,675 on Dec. 7, according to prices from local banks compiled by Bloomberg.
Record Low
The monetary authority raised the deposit facility rate in August to 4 percent from 3.75 percent. None of the 18 economists surveyed expect a change in the reference rate from the current record-low 5.75 percent.
Bank Indonesia may "gradually" increase the deposit facility rate to help reduce volatility in the currency that may hurt investor confidence, Deputy Governor Hartadi Sarwono said in a Nov. 9 interview in Jakarta. The central bank may begin raising its benchmark interest rate in the middle of 2013, according to DBS and UOB analysts.
Indonesia's October trade deficit may have been the biggest on record, the statistics bureau said Dec. 3. It was caused by a surge in imports due to plane and oil purchases, it said.
The country's current-account shortfall this year will be 2.2 percent of its gross domestic product, central bank Governor Darmin Nasution said last week, a gap that would be the largest since 1997. Indonesia has recorded a current-account deficit for the past four quarters.
The gap in the current-account balance is already reduced by capital inflows into local-currency sovereign bond holdings, which increased 19.5 trillion rupiah ($2 billion) in November, the most since data going back to 2003, according to the Finance Ministry.
"Bank Indonesia is pressured by the current-account deficit and the weakening currency, so they have to raise interest rates," UOB's Ho, based in Singapore, said. "A Fasbi rate hike will help rupiah sentiment slightly and see investors put more money into the country to see higher return."
To contact the reporter on this story: Yudith Ho in Jakarta at email@example.com
To contact the editor responsible for this story: James Regan at email@example.com


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"Has the sci-fi genre ever made a great impression on me? Not really. But it has never been packaged in a title as appealing as Mass Effect." Read More
"With more and more games these days having a direct focus on player choices and the like, is it no surprise that The Walking Dead emphasizes the very same elements?…" Read More
You can see more posts like this one here.
A film that came out recently on a number of electronic mediums including Steam and the like that gave me an interesting perspective into the world of video game development was Indie Game: The Movie. This film, from Canadian directors Lisanne Pajot and James Swirsky provides insight into the interesting world of video game development - namely indie games. For those of you are unfamiliar with what exactly an "indie game" is, do not be alarmed for it is not a racial slur of any kind:) It is, in fact, a video game title whose artistic direction and vision are sole properties of a group of individuals (most often team sizes range from 1 to 5 members) that exclusively handle the burdens of financing and developing their projects entirely on their own. A task that seems daunting at best.
The film highlights the creative exploits of three developers (Team Meat, Polytron, and Jonathan Blow) ( known for the games they have created (the titles being Super Meat Boy, Fez, and Braid respectively).
The film not only highlights the rises and falls of game development cycle but also provides insight into the lives that these game developers and their families lead. It provides a level of characterization not often seen inside the many hacks and saws common to popular titles such as Super Meat Boy.
A level of intimacy is heavily encouraged from the film's directors for the stress-intensive periods of time that indie game developers have to endure in light of deadlines and important dates that occur during any game's development. These aforementioned elements come together to make for an interesting take on what many consumers may not consider when ingesting the newest independent title released for the Xbox Live Arcade (XBLA) or the Playstation Network (PSN).
Furthermore, the film goes into a brief history of independent game development especially emphasizing the advent of modern-day digital download services such as the aforementioned XBLA and PSN whose purveyors (namely Microsoft and Sony respectively) have allowed for lower budget titles to receive their fair share of the spotlight in light of mega titles like the Call of Duty Franchise and Halo series alike.
In addition, a portion of the film is devoted to allowing the viewer to become acquainted with these fantastic titles. From the wall-to-wall platforming of Super Meat Boy; to the cleverly designed three-dimensional opus that is Fez; to the time-reversing adventure gameplay of Braid, gamers will have a blast rolling through hours and hours of beautifully designed titles that come from a group of individual's combined artistic vision rather than corporate grunts whose vision is all too often skewed by the needs and desires of their owners. The former statement truly encompasses the scope of this film's focus specifically the trials, pain, and infrequent success of independently developed game titles that share not only the burden of their creator's time but, in addition, their artistic vision as well.
Until next time... so long.
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I stumbled upon a game the other day in one of those fits of boredom that drive you to sift through your begotten game collection in search of something... something that can quench your hunger for some form of entertainment and found myself staring at the logo for an SNES title by the name of Contra III: The Alien Wars. A difficult game to say the least, the title pits the player against well... aliens in the midst of their invasion - all in an effort to, of course, save the world. So, now that the game's opening cut scene has been explained please hear me out: THIS GAME IS NO WALK IN THE PARK!!!
For those you who may read this and pick it up on the Wii's Virtual Console or Xbox Live Arcade I commend your bravery. For one, the game isn't hard to understand. It's actually quite easy to comprehend that once you gain control of the in-game character, you shoot everything that moves whilst picking up power ups and dodging all projectiles thrown your way. Truly, its a side-scrolling shooter that is simple in design. Yet, the terribly difficult part of the game is simply the degree to which the player is punished for failure. At the beginning of the game, the player is given 3 lives and 5 continues (credits) that, to an inexperienced player, will not be enough to get through the first level for their is no form of health whatsoever. From leaping out of the way of shots fired from every angle imaginable to consistently mashing down on the fire button in an effort to effectively end the lives of your enemies, the game has the player on the tips of their toes. A decent title overall, the game is a must play for hardcore gamers anywhere who are looking for a challenge. It is a testament to the great difficulty found in playing classic titles from a modern-day gaming heritage.
In addition, a game was recently released on the PSN that I found had a strange, almost uncanny resemblance to this classic title. The game I am referring to is Hard Corps: Uprising. A title that borrows greatly from the classic series and its earlier derivatives but incorporates a number of RPG elements that make for a title that almost justifies the many deaths that you, the player, are bound to experience. The heavily anime-inspired title has the main protagonist wielding a gun that is far beyond the capacity for any human being to carry while running through levels, shooting enemies that, at times, make it rather difficult to advance without taking damage.
But that's an important addition: damage. A mechanic that Konami, the developers of Contra, thought to be too much for burgeoning young gamers to have at their disposal. Hard Corps (though the name implies a number of puns that will not be referred to in this post) is an excellent addition to any game library. The developers, Arc System Works, even with the addition of a lot of mechanics fundamental to modern-day gaming, have stayed true to the title's classic roots even going as far as including boss battles that require, in some cases, extremely repetitive sequences that involve a great degree of perseverance (that's right... perseverance). All in all, a great title.
If you're looking for a challenge, pick up either one or both!
And no, I was not payed by Konami or Arc System Works.
Until next time... so long.
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2016 Owensboro Magazine Online.
This Chamber of Commerce annual publication gives you a glimpse of our community.
You have come to the right location to learn more about Kentucky's fourth largest city — Owensboro — and the surrounding area. Whether you are visiting our community, looking for a business or locating or expanding your business, you will find it here.


text: As one of the avant-garde world's most prolific designers, Rick Owens and the DRKSHDW diffusion line participate in this collaboration collection with bag brand Eastpak. With a relatively toned-down execution in bag shapes, two innovative styles are still seen including a wrist bag and a cube-bag. Throughout the collection we see non-traditional production techniques with a seamless wield design and a dry stone-washed material. Available now at oki-ni.


text:
Cannot find your local Phoenix Contact site? Use our selector
Power cable, 4-position, PUR halogen-free, black-gray RAL 7021, Plug straight M12 SPEEDCON, S-coded, on Socket straight M12 SPEEDCON, S-coded, Cable length: 2.9 m, for AC current up to 12 A/630 V
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Add to shortlist button.
On 8 November 1875, Albert Edward, the Prince of Wales, arrived at Mumbai (formerly Bombay, India) for a four month tour of the Indian subcontinent. Travelling the length and breadth of the country, he exchanged gifts with over ninety rulers, returning to Britain with a ship full of bejewelled swords, shields, jewellery, caskets and vessels, which are now part of the Royal Collection.
Splendours of the Subcontinent: A Prince's Tour of India, 1875 - 76 exhibition opens at Cartwright Hall Art Gallery on 11 March 2017 and will recount this extraordinary historical event through some of the beautiful gifts that were presented from parts of modern day India, Pakistan, Nepal and Sri Lanka, displayed alongside watercolours and photography from the tour.
Developed in partnership between Royal Collection Trust, Bradford Museums and Galleries and New Walk Museum and Art Gallery, Leicester, the exhibition will be the first time in 135 years that these magnificent objects will be collectively displayed. A number of items from Bradford's collection of 20th century Indian silver will also be on display.
Event details
|Fri 10 Mar - Sun 18 Jun 2017
Free entry
Tuesday to Friday 10am - 4pm
Saturday, Sunday & Bank Holiday Mondays 11am - 4pm
Closed Christmas Day, Boxing Day, 27 & 28 December, New Years Day, Good Friday and Mondays except Bank Holidays.
On occasion there may be limited access to galleries due to booked events. Please contact Reception for information in advance of your visit 01274 431212.
Also at this Venue
Events at this Venue
|Tue 1 Mar - Sun 1 Apr
|Art in the Park
|Sat 23 Jul - Mon 23 Jul
|Family Drop In Arts Workshop: Young Open 2017
|Wed 5 Apr - Sun 10 Sep
|Re-Discovering Yorkshire: By Sarah Harris
|Fri 10 Mar - Sun 18 Jun
|Splendours of the Subcontinent: A Prince's Tour
|Fri 1 Jul - Mon 29 Oct
|Young Open 2017
|Wed 31 May
|Patterns in Silk
Cartwright Hall Art Gallery is in the middle of Lister Park, one and a half miles from the City Centre on the A650 Manningham Lane. There is limited parking in Lister Park, accessible from North Park Road (off Oak Lane). Lister Park is served by many city centre bus services including 23, 25, 26, 49, 51, 52, 53, 54, 622, 647, 662, w5. Cartwright Hall is about ten minutes' uphill walk from Frizinghall railway station.
For help in planning your journey by public transport, please visit www.wymetro.com
: 1 miles from Frizinghall Train station
- Coach parties accepted
- Disabled toilets
- Education/study area
- Gift shop
- Picnic site
- Accepts groups


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Frustration fuels Court McGee
Nothing went as Court McGee had planned leading into his last fight. Things didn't play out as he had expected once the cage door closed either, and the combination of the two has the former Ultimate Fighter winner irritated, but intensely focused as he readies to make his return to the Octagon this weekend at UFC 149 . . . click here for more by E. Spencer Kyle, UFC.com
. . . .
Coming up next: UFC 149: Faber vs. Barao is LIVE on Pay-Per-View Saturday, July 21 at 7 PM PT/10 PM ET from Calgary, Alberta. For more info on UFC 149 or the UFC, visit www.UFC.com


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Sushi, A Show, And A Quick Transfusion
In Japan, people pop the question as soon as they're introduced. "What's your blood type?" Forget horoscopes. Destiny, they say, is in the veins. Generous and bold? Surely type O. Industrious? Gotta be an A. Impulsive and flexible? Must be B. Both creative and rational? AB for sure.
But blood-typecasting has soared beyond the singles bars, tabloids, and silly guessing games. A manager at Mitsubishi Electric has lined up a 12-member team--ABs only, please--to dream up the next generation of fax machines. Japan's official parliamentary directory records each member's blood type and party affiliation. One nursery school near Tokyo even divides its 90 tots into classes based on blood type.
All this has the experts seeing red. "It's idiotic, pure fiction," fumes Hideomi Nakahara, a Tokyo biotechnologist. Now isn't that just like an AB?


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Man In 'Frosty' Mask Draws Unwanted Attention
VANCEBORO - Four 911 callers had alarm in their voices.
"He scared a little girl," one said.
"There's somebody walking around with a mask," said another.
A different person identified what triggered the calls.
"Frosty the Snowman."
With the remnants of an inflatable snowman over his head and a four-foot candy cane in his hand, "Frosty" was a one-man parade through downtown Vanceboro Sunday night.
"I thought he was there to rob me," said Christina Squires, who was behind the counter of a tobacco shop when the man wearing a long carrot nose tapped on a store window.
Then "he picked up the candy cane to show me it wasn't a weapon," Squires said.
While the sight caused considerable alarm for those interviewed, Vanceboro Police had not yet determined who was behind the mask by Tuesday afternoon.
Chief William Turner said he had "more important" things to work on, adding that he was investigating separate cases, including a rape.
So NewsChannel 12 tracked down "Frosty," and learned Jeffery Acker was behind the appearance. The spectacle was meant to be a merry one, according to the man behind the mask.
"Christmas is everything to me. I love it," Acker said. "It was never an intention to be scary."
Acker is not accused of doing anything illegal.
Most Popular
- Son kills father, himself in murder-suicide in Morehead City
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- Coast Guard calls off search for missing Hyde County boaters off Georgia
- Dudley man shot, killed early Saturday; Goldsboro Police investigating
- Travelers out in bunches for Memorial Day weekend


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Job Corps is a no-cost education and career technical training program administered by the U.S. Department of Labor that helps young people ages 16 through 24 improve the quality of their lives through career technical and academic training. The Job Corps program is authorized by Title I-C of the Workforce Innovation and Opportunity Act of 2014 (supercedes WIA 1998). For more infomation about the Job Corps program at a national level, please visit our Official Public Web Site.
At Lyndon B. Johnson Job Corps Center, we support the Job Corps program's mission of teaching eligible young people the skills they need to become employable and independent and placing them in meaningful jobs or further education.
Our center is named in honor of Lyndon B. Johnson, the 36th President of the United States, under whose administration the Job Corps program was founded in 1964.
You may contact us at:
Lyndon B. Johnson Job Corps Civilian Conservation Center
3170 Wayah Road
Franklin, NC 28734
Phone: (828) 524-4446
Fax: (828) 369-7338
Additional contact information for our center is available on our Contact Us page.
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Verterans groups… fraternal organizations… benevolent organizations… A full page ad in today's The Mercury asks one and all to attend Tuesday's Commission Meeting and stand up to those who want to wreck the Peace Memorial Auditorium. Interesting….
Typically, you see the conservative politicians siding with the veterans groups. On this matter, it appears the two ultra-conservative commissioners will run afoul of some of these folks. It will be spitting in the eye of these groups if a significant number of the Tea Party type suggest anyone who is in favor of preserving the auditorium is a 'left leaning liberal'.
The conservative commissioners say, "We've voted on this thing three times. Award the contracts and wreck this thing!" There may have been a number of votes to move this project forward, but all the information about the plans for the Auditorium was not disseminated to the public. The two conservative commissioners voted to rescind two ordinances when they took office. The Parks & Rec project isn't even a resolution or ordinance. Yet, they don't want to even consider alternatives.
Could be an exciting and riotous evening at 11th & Poyntz….


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The body of a missing Winthrop man has been found.
Thomas Devoy,60, was reported missing on October 6th.
Someone found his body Friday afternoon in a wooded area not far from his house.
The wooded area had not been searched by police or wardens.
Police are waiting for autopsy results. An official with the medical examiner's office says the results are "pending further study."


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SAN DIEGO - Transfer Technology International (TTI), an emerging technology transfer company, announced the signing of a Letter of Intent last week through its wholly owned subsidiary, Organic Products International, to purchase the San Diego-based corporations of Xtermite, and XT-2000, pending final negotiations.
Details of the terms and conditions specific to these acquisitions are not being disclosed at this time. Xtermite, Inc. is a registered pest control company in the state of California that has serviced more than 15,000 homes in the San Diego area over the past 11 years utilizing eco-friendly orange treatments for dry-wood termite eradication. XT-2000 is the manufacturer of XT-2000 Orange Oil Plus, a product used to treat drywood termites.
Chris Trina, Chairman and CEO of TTI, said, "We are very excited to have this LOI in place and look forward to completing negotiations with the selling parties in the form of a definitive agreement by late December. I truly believe this represents the best approach to achieve our sales and profit goals for 2010, and that it will increase both visibility and credibility on Wall Street to further enhance shareholder value."
"The combined strength and growth potential of Xtermite and XT-2000 makes this an extremely attractive acquisition," stated George Merrell, Chief Operating Officer for Transfer Technology International and President of Organic Products International. "I very much look forward to relocating to San Diego post closing and working in a hands-on capacity as the new general manager of operations for both companies and assisting the Xtermite Team hit its full potential in Southern California and further expanding distribution of XT-2000 Orange Oil on both a national and international stage along with our other organic product lines. I have been involved in several mergers and acquisitions during my career and this union with these two sister companies makes solid business sense."
Michael and Anna Folkins, co-owners of both XT-2000 and Xtermite state, "We are both extremely excited at the prospects of this proposed acquisition being finalized. We believe that OPI is the perfect fit at the perfect time to take both of our companies to a completely higher level and to reach their full potential in a much shorter period of time. It also reinforces our vision of being a leader in Integrated Pest Management (IPM) by providing eco-friendly and 'green' solutions to both consumers and pest control operators around the world."
For more information about TTI visit www.ttinternationalcorp.com and www.opitampa.com.


text: Turnkey Pcb Aassembly Services,turnkey Circuit Board - Moko Technology Ltd Toggle navigation TRADE DEALS Products Companies Product Company Search LOGIN E-mail Password Remember me Join Free JOIN FREE HomeAgriculture Electronics & Electrical Supplies Turnkey Pcb Aassembly Services,turnkey Circuit Board PRICE: contract price Product Description Turnkey Printed Circuit Board Assembly Services - Turnkey SolutionsMOKO is your turnkey solution for electronic assembly. Our Turnkey PCB capabilities range from proto-type to large volume production runs using semi-automated and fully automated surface mount and through hole assembly equipment. This allows MOKO to meet the low volume needs of small manufacturers and the high volume needs of our larger customers.MOKO's turnkey capabilities offer greater flexibility and savings to customers as we handle the sourcing of components, localization of purchases, materials handling and planning. Therefore the customer enjoys a smooth manufacturing experience with minimal overhead and infrastructure costs.Another important advantage to using MOKO's Turnkey Solutions is that we have supply partners that allow us to procure your parts at competitive prices and we pass those savings on to you. Click Here to receive a quote on your project.Electronics TurnkeyOur Turnkey Solutions include: Design/Layout of Printed Circuit Boards (PCB) PCB Fabrication Component Assembly (SMT, Through Hole, Mixed Technology) Wire Harnesses Box Assembly Parts Procurement Component FormingPCB Assembled - Best PriceOur Turnkey customers have come to expect the following: Eliminate Non-value Added Activities Reduce Manufacturing Costs Increase Customer Satisfaction Quick and Reliable Turnaround How to get a Turn-key PCB Assembly QuoteYou can get a quote in a number of ways:Online Quote: Engineers prefer this method of quoting because they can a quote instantly. To get an online quote:online Quote: Click our "Online Customer" , A quote will be emailed to you.Email: You can also get a quote by emailing us at email@example.com. Please attach all your files.Call us: Or you can call us at 86-755-23725796 Other products Printed circuit board design service Price: contract price Led light pcb controller board assembly pcba Price: contract price Power supply pcb circuit board partern Price: contract price Customized remote control transmitter and receiver pcba circuit Price: contract price Company Info Moko Technology Ltd Contact Person: Jenny zhang Phone: 86-755-23725796 Contact now × Contact form Your name: Your E-mail: Your Phone: Subject: Enter a message: Close


text:
Rationale: Chronic ethanol-induced down regulations of silence regulator gene 1 (SIRT1) and peroxisome proliferator receptor coactivator 1 (PGC1) 1 and up-regulation of PGC1beta affect hepatic lipid oxidation and lipogenesis leading to fatty liver and consequent injury. We show that dietary low omega3-fatty acids (omega3FA), but not high omega3FA, significantly decreased serum and liver lipids, while Soy Proteins (SP) had similar lipid lowering effects. Therefore, it is clinically relevant to prove that these two novel modulators attenuate alcohol-induced fatty liver and injury potentially by regulating these opposing PGC1alpha and PGC1beta signaling pathway genes. Preliminary Studies: Our rationales are based on our publication records (12 Publications, 1 Review article, 1 book &21 Abstracts in the past 5 years), and on strong preliminary data that are summarized below: Low omega3FA &SP opposed the actions of chronic alcohol by (a) Reducing serum lipids with concomitant decreased fatty liver;(b) Attenuating the up-regulation of hepatic mRNAs of PGC1beta, SREBP1c and their target lipogenic pathway genes;(c) Preventing the down-regulation of hepatic mRNAs of SIRT1 and PGC11 and their target fatty acid oxidation pathway genes;(d) Preventing the hepatic increase in acetyl-PGC1alpha, its inactive form;(e) Restoring impaired hepatic fatty acid oxidation and gluconeogenesis;And (f) Restoring the hepatic level of PO4AMPK that was decreased by chronic alcohol treatment. (g) By Western blots, we demonstrated concomitant changes in levels of mRNAs of PGC1alpha and PGC1beta signaling pathway genes and the corresponding enzyme proteins caused by chronic alcohol. (h) That PGC11 plays a critical role in alcohol- induced fatty liver was demonstrated by dramatic increase in hepatic lipid score in PGC1alpha-KO mice. (i) PGC1beta seems to play a secondary role because PGC1beta-KO mice still developed alcoholic fatty liver albeit less pronounced than in PGC11-KO mice, presumably because of ethanol-mediated strong inhibition of PGC11.
Specific aims : Based on these rationales and preliminary findings we will address the following specific aims:
Specific Aim 1. Effects of omega3FA and SP on Chronic Ethanol-induced Increases in Plasma and Hepatic Lipids and Lipoproteins, AST, ALT and Their Correlation with Liver Histopathology.
Specific Aim 2. Mechanisms of Actions of omega3FA and SP on Ethanol-induced Up-regulation of Hepatic Lipid Anabolic Transcriptional Coactivators, Lipogenic Genes and de novo Lipid Synthetic Rates.
Specific Aim 3. Mechanisms of Actions of omega3FA &SP on Ethanol-induced Down-regulation of Hepatic Lipid Catabolic Transcriptional Coactivators, Lipid Oxidizing Genes &Fatty Acid Oxidation Rates. Methods of Approach: PI and his team will accomplish these specific aims by using rodents as experimental models with their expertise in molecular biology, immuno- and histo-chemistry and biochemical approaches. PI will also use PGC11-KO and PGC12-KOs mouse models to conclusively prove their specificities in the actions of ethanol, Low 3FA &SP via these signaling pathways in causing/preventing alcoholic fatty liver and injury.
Alcohol-induced down regulations of SIRT1 and PGC11 and up-regulation of PGC12 essentially affect key components of liver physiology leading to Hepatosteatosis. Since low omega3-fatty acids (omega3FA) and Soy Protein (SP) are potential modulators of PGC1alpha via SIRT1 and PGC1beta, PI proposes that it is therapeutically pertinent to test whether alcoholic Hepatosteatosis can be attenuated by low omega3FA and SP and to elucidate their mechanism/s of action.
|Lakshman, Raj; Shah, Ruchi; Reyes-Gordillo, Karina et al. (2015) Synergy between NAFLD and AFLD and potential biomarkers. Clin Res Hepatol Gastroenterol 39 Suppl 1:S29-34
|Varatharajalu, Ravi; Garige, Mamatha; Leckey, Leslie C et al. (2014) Adverse signaling of scavenger receptor class B1 and PGC1s in alcoholic hepatosteatosis and steatohepatitis and protection by betaine in rat. Am J Pathol 184:2035-44


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Debut Online exclusive pale green waterfall bandeau dress
Item No.0080101135
Item No.0080101135
This online exclusive pale green bandeau dress from Debut has a draped waterfall skirt with a flared hemline and a fitted, boned bodice with pleating to the front. It comes with detachable straps and has a centre bow with a diamante brooch detail.
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text: The first thing I always do on a new tivo is enable the back door 30 second skip to replace the 30 second scan behavior. It doesn't seem to work on the mini. Is there a new code or way to do it. Minor annoyance but would be nice to have.


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Hi, I am new here, and I just purchased my first car which is an 08 WRX, non STI.
I WISH too much on insurance.
I just added in my entertainment system but now I want to go under the hood.
Other than that, What should be the FIRST MOD to do to my car before I do anything else.


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Police made two arrests on Sunday after a pair of unrelated domestic assaults.
The first happened in the morning, when police were called to an east-end home where a woman said that she had been assaulted by her boyfriend. An argument over money turned into a struggle, but she was able to lock him out of the house, and police scooped him up outside.
A 22-year-old Brandon man was held overnight at the Brandon Correctional Centre, to appear in court Monday. He was charged with two counts of assault — including one for allegedly shoving a boy at the home who had tried to intervene.
The second assault was reported late Sunday evening, when a concerned third-party called police to report that a woman had been beaten up by her roommate. Officers found the victim outside her home in the 1000-block of 26th Street; her accused assailant was arrested inside the apartment.
A 41-year-old man was held overnight to sober up, police say, and was to be released Monday with a court date of July 10. He faces a charged of assault causing bodily harm.


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|by Rochelle
|Date Added: Wednesday 14 August, 2013
I like this brand for my fish. I use it when I do water changes or whenever my fish gets really messed up from a fight. They recover quickly from injury with this brand and when doing a water change, they come out of their panic easily after the change is done. I probably paid this much for a 4 oz at the store, so I like the price. This large bottle will last me a while.
|by T.D.
|Date Added: Tuesday 13 August, 2013
We have 2 goldfish that have survived for almost 9 months now using this stress coat. We change water regularly, but have never had much luck with the goldfish surviving for more than a few months. I changed to this water conditioner hoping it would help out and it certainly has seemed to do the job. We have a 5 gallon tank, so I think the fish will have to live about 15 more years before we have to think about getting another bottle, as a little bit treats a lot of water.
|by Quan
|Date Added: Friday 02 August, 2013
Api stress coat conditioner is good product. I use for my fish for years untill now would re ommend it to every one
|by X.
|Date Added: Tuesday 30 July, 2013
I use this for my betta, not really sure if this reduces his stress or not..i hope it is though
|by Geemanlover
|Date Added: Tuesday 30 July, 2013
We have used this for some time now...we have fish we have had since they were quarter size and are now, pan frying size.
|by Daddys Best
|Date Added: Monday 29 July, 2013
I always use this when introducing new fish or changing and adding new water, as this is the most stressful time for Fish. This product helps do many good things, it removes chlorine, reduces stress that fish encounter, and it helps clean the water. It is highly recommended!