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BETSY HART: It's not smart to fear smartphones
Boy, give young people a new way to interact socially, and it's doom and gloom from the rest of us.
As writer Tom Standage reminded us earlier this year in The New York Times, in the 17th century, for instance, many pillars of society complained about a novelty, the coffeehouse, where people were beginning to gather and exchange ideas with folks outside of their typical social spheres.
There was special worry that this would corrupt the young.
A lawyer in Cambridge, England, echoed many of his peers when he bemoaned this new social outlet and the "vast Loss of Time grown out of a pure Novelty. For who can apply close to a Subject with his Head full of the Din of a Coffee-house?"
Flash forward to a recent visit by comedian Louis C.K. to late-night host Conan O'Brien, where C.K. pronounced himself unwilling to let his kids have cellphones, a stand that has won huge applause across every kind of media. Cellphones are isolating, he believes, "toxic," they've created a situation where kids in particular don't learn to interact as they should with others, and on it goes.
Yep. Sounds familiar.
In any event, you know that guilty parents everywhere said another "uh-oh." And you can almost hear the self-satisfied ones saying, "We don't allow our kids cellphones, either! We're special!"
By the way, I'm all for reasonable restrictions, whether it be age or just prying the devices out of clutched hands during meal and family times and at bedtime.
But mostly, I think smartphones are like any other tool. They can be used for good — or not.
And guess what? If American young people are becoming more isolated, it's not because of some complicated device they walk around with.
Anyway, it's no surprise to me that a study commissioned by the Pew Internet & American Life Project, part of the respected Pew Research Center in Washington, revealed some interesting things about a nation of so-called isolated Internet and cellphone users.
The study, released in 2011, showed that when it comes to social-networking sites, with Facebook being the largest, "Social-networking sites are increasingly used to keep up with close social ties"; "Facebook users are much more politically engaged than most people"; "Facebook users get more social support than other people"; and they have more close relationships and are even more generally trusting of people than are others who are demographically similar but not on Facebook.
And a study released by the same Pew unit in 2009 revealed that, on many key indexes, active Internet users, cellphone users and bloggers are more likely to have larger social networks of people they consider their "closest and most significant confidants" and more likely to be involved in local voluntary organizations and to have more racially diverse social networks than are demographically similar nonusers.
The lead researcher of that 2009 study, Dr. Keith N. Hampton of the University of Pennsylvania's Annenberg School for Communication, said in a statement, "All the evidence points in one direction. People's social worlds are enhanced by new communication technologies. It is a mistake to believe that Internet use and mobile phones plunge people into a spiral of isolation."
Look, we've heard tragic stories of suicides, idiotic stories of kids (and adults) sexting or otherwise compromising themselves online. And don't even get me started on how the ease of Internet porn is pernicious.
I'm just saying that as a mom I know my children are quite capable of eye-rolling at me or ignoring me even without regular smartphone use.
So by all means, let's be wise about our kids and their social-networking activities, let's make sure we have their passwords, talk to them about the permanency of everything that goes online and have them drop the phones in the basket before dinner and bed.
I fully admit that I've got some things to work on there with my kids! But rather than fearing smartphones and their "toxicity," I prefer to spend my energy trying to teach good manners, self-respect and respect for others, and that my children can enjoy and master, not be mastered by, that device in the palm of their hands.
Reach Betsy Hart at www.betsysblog.com.


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In Search of Willie Morris: The Mercurial Life of a Legendary Writer and…
by Larry L. King
No current Talk conversations about this book.
4161 In Search of Willie Morris The Mercurial Life of a Legendary Writer and Editor, by Larry L. King (read 14 May 2006) Continuing in Mississippi, this memoir concerning the superb Mississippi-born writer, Willie Morris, is full of interest. I have read this by Morris:
3527 My Dog Skip, by Willie Morris (read 13 Jan 2002)
3558 My Cat Spit McGee, by Willie Morris (read 1 Dec 2002)
3897 The Courting of Marcus Dupree, by Willie Morris (read 8 June 2004)
3922 Taps A Novel by Willie Morris (read 18 Aug 2004)
All great reading, and there is more by him I would like to read. He was editor in chief of Harper's for ten years, then floundered for years, always drinking too much, but did great writing and was a great friend of James Jones, Norman Mailer, David Halberstrom William Stryon, Truman Capote, Robert Penn Warren, Gay Talese, Donna Tartt, John Grisham, Winston Groom (all of whom I have read something by). The author is not the CNN interviewer, and I did not like the author too well--he seemed too eager to bring himself into the narrative and his unnecessary use of four-letter words repelled. But Morris' life is full of interest, though he is a greater writer than he was an upstanding man.
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O'Kelley Ties for 22nd with Career-Best 213 at USF
March 4, 2014
University of Cincinnati freshman Jared O'Kelley (Canton, Ga./Creekview High School) carded a career-best 3-under par 75-69-69=213 to tie for 22nd place in final-round action Tuesday at the USF Invitational at the Lake Jovita Golf & Country Club (par 72, 7,153 yardage) in Dade City, Fla.
O'Kelley started the third round on the 10th hole and was even through nine holes before three consecutive birdies on holes three through five. A bogey on No. 6 was erased by a birdie on No. 9 as O'Kelley finished his final nine holes at 3-under.
UC junior John Michael O'Toole (Pinson, Ala./ Central Alabama CC) posted the best final-round score of any Bearcat, a 4-under 68. O'Toole had six birdies on Tuesday and shot five under on his final 15 holes to finish the tournament tied for 31st place at 2-under 68-78-68=214.
Florida State's Jack Maguire won medalist honors after firing the best round of the tournament on Tuesday, a 10-under 62 to climb from sixth place to first at 16-under 65-73-62=200.
The Bearcats registered their best team score of the three-day event on Tuesday with a 7-under 281 to finish in 12th place at 293-287-281=861.
The event featured seven teams ranked in the Golfstat Top 40 rankings. No. 20 Florida State won the team title, finishing with a 41-under 275-284-264=823. Host USF, ranked No. 33, was second at 281-269-283=833.
UC junior Jared Howard (Dublin, Ohio/Jerome High School) and sophomore Emerson Newsome (Dacula, Ga./Mill Creek High School) tied for 66th place. Howard shot a 3-under 69 on Tuesday to finish at 76-75-69=220. Newsome finished with a 3-over 75 in the third round to end at 74-71-75=220. UC junior Baxter Reeves (Montgomery, Ala./ Central Alabama CC) finished 85th at 79-72-78=229.
UC returns to action March 16-17 at the Earl Yestingsmeier Invitational in Muncie, Ind.


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I am Creative, Sensitive, and Passionate
As for Food... Pizza! I also like American, Italian, and Chinese Food.
But my main passion is in Music, I love all types of music, I love Classical Music of all types. My favorite composers are Igor Stravinsky, Samuel Barber, Modest Mussorgsy, and Beethoven. I also like composers such as Dvorak, Rodrigo, George Gershwin, Aaron Copland, and many others. I also enjoy Rock music, from classic artists such as the Beatles, Pink Floyd, Led Zeppelin and modern artists. I also enjoy some metal like Demon Hunter, and such.
I am also a gamer, I love playing games of many different styles.


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While much of S-LCD's manufacturing output went into flat panel TVs, some of it was also dedicated to making LCD screens for smartphones. The deal includes a strategic agreement governing Sony's continued ability to purchase LCD panels from Samsung's S-LCD subsidiary, with the intended goal of "enhancing the competitiveness of both companies".
Sony most likely gets first crack at a certain amount of the output of S-LCD, while Samsung gets greater flexibility in managing output and other manufacturing choices. Sony and Samsung reserved the right to continue to collaborate on the engineering behind LCD production, so Samsung will still have access to some of Sony's research prowess.
What does this mean to consumers? With luck it means smartphone screen prices will come down in price, although AMOLED screens continue to assault LCD screen market share on high end devices. It may positively impact Sony's TV division (which has lost money for years), but additionally may be part of the overhaul of Sony's smartphone realignment. Many medium and long-term changes can be expected now that Ericsson sold its portion of the Sony-Ericsson phone manufacturer to Sony.
source: Sony via Engadget


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The country to the west of evreux forms the very heart of Normandy.
It is most improbable that the evreux glass should belong to so early a date as that.
Both Sées and evreux serve to illustrate this manner of glazing.
evreux is, according to Whewell, a mixture of Flamboyant and Renaissance.
We were conducted through the forest of evreux, by an escort236 of chasseurs.
The elegant chateau was situated in the midst of the romantic forest of evreux.
St Taurin is a somewhat dilapidated and cob-webby church, but it is certainly one of the interesting features of evreux.
Then they could leave evreux, make some excuse—any excuse—to get away.
This peculiarity may be seen to an almost painful extent at evreux.
Yet I foresee that it will bring me into trouble with the Count of evreux.


text: Posted October 25, 2012 Look, people are hungry and need help i'm fine with it and i don't get mad at the stories i hear about people cheating the system. WTF good is it going to do? To tell the truth and i must be getting soft in my old age but i'd rather have a 1000 cheats than one hungry family but thats just me. And no i've never used them myself or the school free lunch when my kid was in school and boy did we struggle in my earlier years but a lot of people do. I do have some female friends who get them and buy steaks and other high end foods just to sell them at half the cost to buy smokes and such. I don't buy from them but i don't judge the either. Easy for you to say now, Try working your ass off daily and having your family going hungry and then seeing a totally worthless piece of poo have her fridge piled to the brim with food her fatass will probably throw away later, then we will see what you would rather have happen. 2 people like this Share this post Link to post Share on other sites


text: BOSTON, Jan. 8, 2013 /PRNewswire/ -- Eagle Investment Systems LLC, a leading provider of financial services technology and a subsidiary of BNY Mellon, today announced that Fiera Capital Corporation (TSX: FSZ), a leading independent Canadian full-service investment management firm with approximately $55 billion in assets under management, will implement Eagle's solutions throughout its enterprise. Fiera Capital's relationship with Eagle was extended through the acquisition of long-time Eagle client, Natcan Investment Management. Fiera Capital is integrating Natcan's deployment of Eagle's data management solution, performance measurement solution, and multi-lingual portal to its current operational infrastructure. The firm is also adding $30 billion in assets to the Eagle platform while migrating to Eagle ACCESS SM, Eagle's secure private cloud. Fiera Capital announced its acquisition of Natcan in April 2012, making the firm one of the largest independent asset managers in Canada. With $25 billion in assets under management, Natcan was formerly a subsidiary of National Bank of Canada, providing asset management services to pension funds, mutual funds, insurance companies, exchange-traded funds, foundations and other institutional clients. Natcan has been an Eagle client since 2005. "In all of our acquisitions, we look to create efficiencies and find cost-savings by leveraging the best providers and services available," said Robert Trepanier, senior vice president, Operations and Information Technology, Fiera Capital. "In Natcan's case, we saw an opportunity to apply its current data management and performance measurement solutions to our entire company, thereby reducing multi-vendor complexity and saving time and money. Our adoption of Eagle's software and migration to the cloud will enable us to establish a firm-wide, state-of-the-art technology solution that is secure, universal and will help us to integrate future acquisitions into our centralized platform much more easily and efficiently." "As a top investment manager in Canada, we saw the need for a leading technology provider that understands the industry and can advise us on how to best achieve our goals," said Maher Hemissi, vice president of Information Technology and Middle-Office, Fiera Capital. "Eagle has the experience and qualifications we were looking for in a vendor, and Natcan's success in using its platform was an obvious testament to their proven, broad capabilities. With Eagle, we now have a solution that is reflective of our place in the market and able to grow with us over time." Fiera Capital is one of only a handful of full service, multi-product investment firms in Canada, offering clients a proven top tier track record in equity and fixed income management as well as depth and expertise in asset allocation and alternative investments. Additional information is available at www.fieracapital.com. Eagle Investment Systems is committed to helping financial institutions worldwide grow assets efficiently with its innovative portfolio management suite of data management, investment accounting and performance measurement solutions that are delivered over its secure private cloud, Eagle ACCESS SM Since 1989, Eagle has deployed trusted solutions and services that create operational efficiencies and help reduce complexity and risk. Eagle Investment Systems LLC is a subsidiary of BNY Mellon. Additional information is available at www.eagleinvsys.com. BNY Mellon Asset Servicing offers clients worldwide a broad spectrum of specialized asset servicing capabilities, including custody and fund services, securities lending, performance and analytics, and execution services. BNY Mellon Asset Servicing provides services through BNY Mellon and other related companies.


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- Stylist:
- Nicole Maere
Oct 07, 2011 - I just had my 9 year old daughter's hair done and we are thrilled! FInally someone who understands her hair and can help me care for it better. Being a straight haired mom, I had no idea how to deal with my daughters curls. In addition, her hair is super curly and spirally underneath a top layer of straight. Nicole actually showed us how to coax the curls out of the top layers with a minimum of effort, important when you are dealing with a 9 year old tomboy! She also gave her a cut that makes it easier to make her hair look great. My daughter is happy and so am I. She is wonderful!!!!!


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Date: 07/13/2008
Views: 461
Bill, you sure you're having fun? :)
all right, crowd's thinned a bit, but still going
need some new tunes!
suddenly, the next game was upon us!
aawww, I'll miss you too!
watch the hands, Dominique!
that's a good girl! :)
ever the gentleman!
What? I didn't know you were back there!
well, isn't this special?!? :)
all right, Tim...loosen up! :)
Hey! I'm hanging out with the food! :)
yep, party's still going!
no, I don't think that's the right way to throw the stone...
some of our lovely kitchen staff...wonderful girls!
just getting breakfast ready! yummy!
that's it! whip 'em, girl! :)
um, "behind the scenes"?
that rock went this wide!
looks like she enjoys whipping (those eggs into shape)!
hmmm, seems to be slowing down on the dance floor
you want what? wait until breakfast!
yes, I liked your stones too. notice the Hal Jordan (Green Lantern) wannabe in the lower left
yeah, I didn't agree with that shot either.


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Film Reviews: Chile's devastating 2010 earthquake and tsunami form the background of "The Year of the Tiger," Sebastian Lelio's understated exploration of fate, freedom and faith, which builds power and complexity via minimal means.
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This 14.1-megapixel digital camera is really fun to use, and it can take lots of knocks and scrapes. It offers plenty of functions and tools to make photography fun, with enough built-in help to make sure your snaps come out right. Add in the high-definition video option, and this is a great hybrid digital camera to toss in your bag before heading out on your next adventure.
Last year Panasonic moved into the rugged/tough camera market. For a company that is well know for its ruggedised notebooks such as the Toughbook range, it's surprising Panasonic took a while to embrace this space.
The new Panasonic LUMIX DMC-FT2 fixes many of the quibbles we had when we tested the previous generation LUMIX DMC-FT1. It now offers plenty of new features and effects, making it a strong competitor to the Olympus Mju Tough 6010 digital camera. Plus the new DMC-FT2 is priced at $599 — $100 less than the asking price of the original DMC-FT1 when it launched.
Testing this camera at a variety of seaside locations yielded great results. My travel companions at Byron Bay, NSW (where I holidayed for a long weekend) were excited to get their hands on the camera, mucking about with it on the beach and in the surf. Physically it's a solid digital camera, weighing close to 150g, and it is available in an array of vibrant colours including turquoise blue, bright orange and yellow, as well as the standard silver colour. Its secure wrist strap, rubber padding, reinforced glass and carbon resin mean you will feel safe handing it over to anyone to use, or simply chucking it into your backpack and heading out the door.
This LUMIX digital camera features a 28mm, wide-angle Leica lens and a 14.1-megapixel CMOS sensor (up from 12.1Mp on the DMC-FT1). The big improvement is in the increased waterproof level, with the camera able to survive to a depth of 10 metres (the previous model only went to 3 metres). It's shockproof from a height of 2 metres, and also freeze-proof to -10 degrees Celsius, putting this camera on par with the Olympus Mju Tough 6010 rugged digital camera.
The Panasonic LUMIX DMC-FT2 still sports the rotational mode dial, a slider zoom and the five-way controller found on the first model. The video and play buttons have swapped position, but they still allow for quick access to recording video and viewing captured images. Flash and macro functions are also easily accessed, and the rotational mode dial skips to intelligent auto, snow, beach, sport and other scene modes quickly. The zoom slider is slightly raised at either end, and is more tactile than the previous version.
Panasonic's Intelligent Auto (IA) mode — available in both the still and video modes — allows a novice user to capture great snaps as they happen. Panasonic has improved the optical image stabilisation (OIS) and added new intelligent resolution technology to the DMC-FT2.
The best way to see how easy a camera is to use is to navigate the camera's features without referring to the user manual. Our manual remained untouched, and we were off snapping in a flash. The DMC-FT2 offers a series of shooting modes; we quickly feel in love with the results from the cameras' new happy mode, which enhances the colour, saturation and brightness of the images. With the previous version we noted sluggish performance when writing to the SD card and in burst mode. This has improved considerably with the DMC-FT2, possibly a result of the reengineering of the image processing technology. The camera fires up quickly, and the sluggishness we experienced on the DMC-FT1 has gone.
These images of bathing beauties taken at Melbourne's Brighton Beach bathing pavilions were captured using happy mode on the Panasonic LUMIX DMC-FT2, resulting in lovely vibrant images.
As you can see from our test shots, colours are punchy and vibrant. We could happily wade into the water, and even submerge ourselves to capture the splashing sequence and the summer fun in the water. In our test shots we noted little chromatic aberration, and as you can see the droplet details are clear and images sharp.
It's important to note that although the camera is perfect for in water use, it can be hard to see the 2.7in LCD screen when taking photos on bright days. In fact we often simply had to point and shoot outdoors and check out the results when we were back on land. Great for candid snaps, but harder if you want to frame a scene precisely.
It's also important to wipe both the LCD screen and the lens after in action use, as it can easily smudge when used in outdoor situations. Some shots may look clear on the LCD screen, but one grain of sand or a drop of water may ruin your image's clarity.
You need to make sure there's no water on the lens when you return to dry land, otherwise blurry images will result.
The scene modes can be used for video recording as well as snapping still images. In our tests we favoured the film grain, pin hole, photo frame and underwater scene settings. Many more modes are available including fireworks, starry sky, flash burst, hi-speed burst, aerial photo, portrait modes, baby and pet modes. Panasonic has added High Dynamic mode, which enhances a scene with moderate exposure (even if it contains both bright and dark areas).
In our tests of a landscape scene at dusk, High Dynamic mode lifts the sunset colours in the clouds, contrasting nicely darkness of the skyline and water.
Film grain mode adds an interesting effect to photographs.
When using the IA setting the camera will automatically adjust settings for the best results, leaving you to select from standard, happy, black and white and sepia modes.
Byron bay lighthouse at sunset taken in standard mode.
Byron bay lighthouse at sunset taken in happy mode.
Byron Bay lighthouse at sunset taken in sepia mode.
Byron Bay lighthouse at sunset taken in black & white mode.
Face recognition has been upgraded to register up to three face images for each person, thereby increasing the accuracy. In our tests this feature worked well and it's ideal for ensuring your friends and family stand out from the crowd in the surf, on the sporting field or wherever you capture the action. Plus when you download the files back on your PC the included photo software has a face recognition function, letting you search and sort photos on your PC based on the person.
The DMC-FT2 digital camera can record high-definition video using the AVCHD Lite format, capturing footage at a resolution of 1280x720 (720p). Panasonic has added a video divide function to allow for fast editing on the go. By dividing your video into two sections you can quickly shorten or delete unwanted video on the fly — a boon for travellers. The wind cut function ensures that any video taken outdoors keeps the high-quality audio you want, not the ambient noise you don't need. The 4.6x optical zoom (28-128mm) can also be used when shooting in video mode too, and you can also use the camera's HDMI port to view footage directly on your TV.
We were impressed by the results we got using this camera in a variety of test environments, taking photographs in dark rainforests, in the surf and on the sand, as well as bright daylight. This camera is a great addition to your travel bag, and it can take plenty of knocks and bumps. The extra features and scene modes add fun to the photography, and the video settings allow this compact digital camera to double up for camcorder duties too.
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HP OfficeJet 250 Mobile Printer
The HP OfficeJet 250 Mobile Printer is a great device that fits perfectly into my fast paced and mobile lifestyle. My first impression of the printer itself was how incredibly compact and sleek the device was.
HP OfficeJet 250 Mobile Printer
Wireless printing from my iPhone was also a handy feature, the whole experience was quick and seamless with no setup requirements - accessed through the default iOS printing menu options.
HP OfficeJet Pro 8730
A smarter way to print for busy small business owners, combining speedy printing with scanning and copying, making it easier to produce high quality documents and images at a touch of a button.
HP OfficeJet Pro 8730
I've had a multifunction printer in the office going on 10 years now. It was a neat bit of kit back in the day -- print, copy, scan, fax -- when printing over WiFi felt a bit like magic. It's seen better days though and an upgrade's well overdue. This HP OfficeJet Pro 8730 looks like it ticks all the same boxes: print, copy, scan, and fax. (Really? Does anyone fax anything any more? I guess it's good to know the facility's there, just in case.) Printing over WiFi is more-or- less standard these days.
HP OfficeJet Pro 8730
As a freelance writer who is always on the go, I like my technology to be both efficient and effective so I can do my job well. The HP OfficeJet Pro 8730 Inkjet Printer ticks all the boxes in terms of form factor, performance and user interface.
Windows 10 for Business / Dell XPS 13
I'd happily recommend this touchscreen laptop and Windows 10 as a great way to get serious work done at a desk or on the road.


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Yeh Hai Mohabbatein 21 July 2016 Star Plus Drama
Online Star Plus Drama Ep Yeh Hai Mohabbatein 21 July 2016, Download Drama Episode Yeh Hai Mohabbatein 21 July 2016, Watch Tonight Episode Yeh Hai Mohabbatein 21/07/2016, Online Indian TV Drama Episode Yeh Hai Mohabbatein 21 July 2016.
Drama Main Cast
Karan Patel as Raman Kumar Omprakash Bhalla. Divyanka Tripathi as Dr. Ishita Raman Kumar Bhalla. Sangram Singh as Ashok Khanna. Kaushal Kapoor as Omprakash Bhalla, Darshan Pandya as Prateek Sharma. Neena Kulkarni as Madhavi Vishwanathan Iyer.
Shagun tells Raman that they have to go to Pihu's school for PTM. He asks her to manage, I have to take Ruhi and Ishita to counselor, and meet Anil too. He asks Neelu to tell Ishita that he is waiting in car. He goes. Shagun gets upset. Mr. Bhalla looks on.
Ishita Drama 21 July 2016
The Episode starts with Ishita coming home. Everyone get shocked seeing her and hold her. They take her inside. Niddhi tries to run and Romi catches her, saying she has to go to jail. Doctor checks Ishita and gives her injection. Everyone cry seeing Ishita's state. Ishita gets semi conscious and takes Ruhi's name. Ruhi looks at her. Judge smiles and holds Ruhi. Amma asks Ruhi to come and talk to Ishita. Ishita opens her eyes and sees Ruhi. She smiles. She sees judge and asks how did she come. Judge says relax, I just came to see Ruhi and you.
Dailymotion Video Yeh Hai Mohabbatein 21 July 2016
Judge says we felt you went missing to stop the judgment. Raman says now you are back and we will find who did this. Judge says we have proof, but Ashok is politician and denied everything saying its fake video, don't worry, we will find out,
I will not give Ruhi's custody to Niddhi, so I decided to give her custody to….. Ruhi hears this and cries.


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USS is a national pension scheme offered to LSE staff members on or above Salary Band 06. It is a large scheme with approximately 400 institutions as members.
A Final Salary Section for members before 1 October 2011. This means that your pension at retirement is based on the number of years of pensionable service and your best pensionable salary from the last thirteen years. This is usually your final year's salary. The accrual rate used for the pension calculation is 1/80th for every year at full time worked. This scheme is also known as a defined benefits scheme (DB).
A Career Revalued Benefits scheme section for new members from 1st October 2011. This means that for each year worked a credit of 1/80th of that year's salary will be calculated. At retirement each figure will be added together to form the retirement pension.
As membership is not compulsory, staff who choose not to join should consider carefully whether they are making the right decision, ideally they should seek independent financial advice as to what is the best option for them. To find out more information and for a calculation of benefits please visit USS.
The current USS contribution rate is 7.5% for members of the Final Salary Section and for members of the Career Revalued Benefits scheme (CRB) your contribution rate is 6.5%. The School pays USS an additional proportion of your pensionable salary as an employer contribution to the scheme. All USS member contributions attract tax relief via your pay. There are however limits to the maximum benefit you can build up in any one year and the maximum benefits you can draw at retirement and still enjoy beneficial tax treatment. Please click here to find out more about how the current limits operate. Details about mitigating a tax charge and managing a tax charge are also available.
Please contact the pensions office if you have any concerns in relation to this area or would like a quotation of your current tax position.
USS offer a number of publications and presentations for its members both Final Salary and CRB. Lump sum AVC payments can also be made at the end of each tax year or final pay. AVCs also attract tax relief.
You should consider if this route may cause you to exceed the yearly or annual sums that can be built up in a pension without further tax charges.
A member can increase their retirement pension by paying additional voluntary contributions. The School does not pay any money towards this. There are two way to pay AVCs:
Lump sum AVC payments can also be made at the end of each tax year or final pay, AVCs also attract tax relief.
A retirement pension for life. You can also take a tax-free cash payment at retirement. Your pension will be increased each year by the CPI to keep it in line with inflation.
USS will transfer to another UK university within USS.
If you leave the School and transfer to another USS institution your USS benefits will also transfer, provided it is within one calendar month.
If you are not transferring to another university your USS benefits will be deferred.
Please make sure you tell USS of any changes to your circumstances. The address to write to is:
USS Ltd
Royal Liver Building
Main switchboard: 0151 227 4711
Please ensure you have either your member number or National Insurance number to hand when contacting USS.
Use of this website is subject to, and implies acceptance of, its Terms of use (including Copyright and intellectual property, Privacy and data protection and Accessibility). The London School of Economics and Political Science is a School of the University of London. It is a charity and is incorporated in England as a company limited by guarantee under the Companies Acts (Reg no. 70527).The registered office address of the School is: The London School of Economics and Political Science, Houghton Street, London WC2A 2AE, UK; Tel: +44 (0)20 7405 7686


text: Welcome to the new and improved Breckenridge Hills city website. Here you will find the history of Breckenridge Hills, information about your mayor and and the city council. You will find some much needed information reguarding the fire department, police department, parks department, public works department, and street department. You can find some helpful links that connect you to interesting and helpful websites. As you all know Breckenridge Hills is a continuously growing city and we will continue do our best to keep you informed! This website is still undergoing major renovations. We thank you all for your time and patience! Feel free to e-mail us with your questions, comments, and concerns! Remember your concerns are my concerns. Thanks again and God bless!!!


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The Student Loan Problem in America: It is Not Enough to Say, "Students Will Eventually Recover"
According to Shapiro, the American Dream "is the promise that those who work equally hard will reap roughly equal rewards" (Shapiro, 2004, p. 87); that is, the American Dream holds that this country is a meritocracy where effort and ability are the primary determinants of success. Institutions provide the economic conditions that make it possible for people to believe that their hard work and ability will determine their success or failure. This task is facilitated by Americans' strong desire to feel as though their destiny can be controlled and that institutions will 'echo' their own contributions, rather than work against them.1 Primed to look for evidence of this 'effort plus ability equals outcomes' equation, Americans cling to this ideal, even as it recedes in reality for many. There is no evidence that Americans today are less capable or less committed than in previous generations, in the aggregate. Instead, particularly in today's highly specialized, technology driven, global world, the upward mobility that animates the American Dream is only possible if effort and ability are combined with institutional might.
Elliott, W. and Lewis, M. (2014). The student loan problem in America: It is not enough to say, "students will eventually recover." Lawrence, KS: Assets and Education Initiative (AEDI).


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Palma Old Town loft for 4 pax
Oversigt over boligen
Located in the old town of Palma this attractive and decorated apartment situated on the second floor, no lift. There are two bedrooms with double and two singles beds, each bedroom has wardrobes.
This characteristic apartment is situated next to the popular area of Las Ramblas in Palma.
The kitchen is equipped with the necessary utilities opening onto the dining/leaving area. There are bath/shower room. The apartment is spacious and with a lot of light, a total of 90 sq metres, tastefully furnished and with attention to detail.
The building is situated between San Miguel and Las Ramblas, 300 metres from Plaza Olivar and 350 metres to Plaza España, ideal for people who want to experience the old city of Palma. Close by is the shopping centre of Palma, El Corte Ingles, cafeterias, Restaurants and Boutiques. The famous market El Olivar is only 4 minute away.
All the historical sights, palaces, museums and art galleries are within walking distance, not forgetting the impressive Cathedral. Surrounding the apartment are many famous squares with coffee shops, tapas and wine bars and restaurants.
The central bus and train stations are also very close, with a fast bus connecting the airport with Plaza Espana.
Palma's beaches are 20-25 minutes walk away, and discovering nearby beaches by local transport is easy.
Throughout the year Palma hosts many fiestas and celebrations, from art nights in the streets, to medieval fairs, firework displays and outside live music. The city hosts international sailing events, and connects the other Balearics Islands by ferry.
Not forgetting the famous Tuesday nights busy "Routa Martiana" which happens in the area of the apartment where all the tapas bars are open offering tapas and beer or wine for 2.00€ each.
The famous antique train to Soller also leaves from Palma, travelling through the beautiful countryside, to the village of Soller.
The rental of this property is based on the Spanish Law on Urban Leases (29/1994, 24th November). According to this law the property is available for seasonal renting, however, the contract does not offer any tourist service. It is only for the use and enjoyment of the property.
The rental of this property is based on the Spanish Law on Urban Leases (29/1994, 24th November). According to this law the property is available for seasonal renting, however, the contract does not offer any tourist service. It is only for the use and enjoyment of the property.
-Flexible changeover day, arrival at 14:00 hours departure at 11:00 hours. We work hard at accommodating every body's needs so your holiday runs smoothly. If an earlier/later arrival departure into the apartment is needed please enquire at the time of booking, it is not always possible but we will try to help.
-We request information about the day and time of flight arrival and departure to organize the reception of clients and their departure.
-There is a charge for final cleaning and laundry.
-Prices are for this property in Euros.
-Refundable deposits rof 250 Euros is required for any damage to the property or contents, will be refunded 48 hours after checking out by bank transfer, so we will request your bank details (full name, name and address of the bank, IBAN, swift or bic number) either before or on arrival.
-Bookings also taken for December through to March.
-Long winter rental prices on request.
-Check in after 21'00 is an extra charge of 40€. To be paid on arrival.
|Check-in efter
|Check-in før
|Efter aftale
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Anmeldelser af denne værts andre boliger
Nice appartment with central location.
It should have been informed that the apartment is on the third floor with difficult access, especialy to the top terrace, which is only for those who like excitement.
My advise : fond an alternative!
Det er et dejligt hus, kun to hundrede fra strandpromenaden og ca. 4-5 km. fra Palma.
Gode senge og hvad man har brug for i køkkenet.
Dog skal det nævnes, at bruserne i begge badeværelser er svære at regulere, og at temperaturen svinger flere gange under et bad. Men det er da noget der kan ordnes, ved enten nye armaturer eller lidt eddikesyre.
Alt i alt et dejligt hus, med masser af plads.
Das gut und zentral gelegende Appartment ist für vier Personen eine ideale Unterkunft!
Nett eingerichtet, sauber und gut ausgestattet.
Mycket rymlig lägenhet som var väl utrustad. Saknade dock hårblås. Läget var super. Nära till allt. Trevligt mottagande!
Very nice appartment in the middle of everything. We are not sunlovers so it was parfect as the terrasse was in shade most of the day.
Ein superschöner Blick vom Wohnzimmer und Balkon auf die Bucht. Die Wohnung ist sauber und in einem ordentlichen Zustand. Die Wohnung würde ich in den kühleren Monaten nicht empfehlen, da sehr feucht und es Probleme mit der Elektrizität (kein Strom z.T.) und der Wasserversorgung gab. Die Nachbarschaft war sehr nett und hilfsbereit.
Eine gute Wahl, alles wie beschrieben, tolle Lage, gute Ausstattung
unkomplizierte Abwicklung
Es war ein perfekter Urlaub. Das Appartment hatte eine TOP Lage. Es war alles vorhanden was man brauchte. Schön eingerichtet, sehr empfehlenswert. Der Kontakt war sehr nett und wir wurden auch sehr nett empfangen. es war rundum alles prima. Vielen Dank dafür. Wir werden definitiv wieder kommen.
The host cancelled the booking, this review is automated.
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- Sikker betaling med SSL-kryptering


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So can we start taxing christian churches?
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December 5th, 2012, 12:11 PM
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Originally Posted by
I saw this the other day. Sometimes I wonder if Bill O'Reilly understands that he is being recorded...
Although, after watching the clip, I didn't make me think, "ahh, now churches should be taxed."
I do however have an opinion on that idea, however. I think that in our country there are churches that are doing good in terms of charity and some that are not (some megachurches come to mind). I think to keep their tax exempt status, a church, should be required to be transparent about where the money comes from and where the money goes.
Holy crap, I agree with you. On that last part. Our Church is open about the budget and our whole entire 'society' (or the members) votes on it every year. While being open about where the money goes is a good idea there are legal issues with being COMPLETELY open. The only person in our congregation that is allowed to know the amount of money coming from individuals is the treasurer. Not even the pastor is allowed to know. they can know how much was in the offering plate, but not specifics. Heck, not long ago most churches had boards up on the front of the church telling the attendance and offering amounts for last Sunday.
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BIB 205 Bible Survey Instructor: Bruce Terry
Section: 01 Room: IAC 271 Day/Time: TTh 8:30-9:20am
Office: Stotts (NC), Room 243 Telephone: (304) 865-6120/295-6486
Office Hours: MWF 1-2pm; MW 3-5pm; TTh 9:30-11am; 2:30-5pm
This course will focus on the history and writings of the Bible, both the Old and New Testaments. It will include a brief survey of all the books of the Bible and the general outline of the contents of the major narratives and teachings of these books. Themes explored will include the mighty acts of God, God's covenants with His people, and the coming promised Messiah.
Attendance in class is mandatory; it will be part of the basis for the grade given. If you cannot attend for good reason, either notify me beforehand or as soon as possible afterward. This applies even if you have an excused absence. You will be expected to do all work of any classes missed, except for pop quizzes and daily homework. If you do not intend to attend regularly, kindly withdraw from the class now.
Do NOT miss class simply because you do not have an assignment finished. Do NOT miss class if you can possibly come; save any absences for sickness or death in the family. If you have an extended illness, please contact me to let me know.
Kindly try to be in class on time. If you are consistently tardy for no good reason, I reserve the right to count three tardies as an absence.
If you have to leave early, please inform me before class. Do not schedule extra work, doctor's appointments, etc. during class time if at all possible. If you are too frequent in leaving early, I reserve the right to count early departures as a partial absence, adversely affecting your grade.
Absences may be excused if you bring me documentation that you were hospitalized, ill with a contagious disease, involved in an accident, on school business (up to five hours), or there was a death in the immediate family. More than six hours of unexcused absences will result in your being dropped from the course with either a W or an F at my discretion. You may pay a fine and petition to be reinstated. Additional unexcused absences will result in your being dropped without future reinstatement. No credit will be given for a course in which absences, both excused and unexcused, total more than 25% of the hours of the course (i.e., as many as 8 class hours, counting each class as 1 hour). Should you approach this limit, you will be asked to withdraw from the course. I reserve the right to drop you from the course as a warning once you have at least 7 total absences. If you are dropped for any reason, reinstatement is not guaranteed and will be granted only if a plan for success is presented. Note well: Absences may adversely affect your grade, as outlined below under the topic Grades.
I will be in my office fifteen hours during the week as outlined above. If you have class conflicts with my office hours, you can schedule another time with me. Appointments during office hours will be given precedence over drop-ins, but if you need to see me about something and don't have an appointment, come on up to my office and I will try to squeeze you in. If you need help, please use my office hours. You may also see me both before and after class as time permits. I will be available for extended conferences after class hours if it does not interfere with another class or chapel. No appointment will usually be necessary to see me at this time. If I am not in my office at office hours after a class, check my last classroom to see if a student has detained me there. Please feel free to interrupt me.
Assessment of whether the objectives have been met will be based on the student's performance on homework and tests assigned by the teacher and on the student's ability to do relevant research on his or her own in papers described below.
Your grade for the class will be based on three major exams (including a comprehensive final exam), three two-page introductions to books of the Bible (two from the OT and one from the NT) with proper documentation, attendance, pop quizzes over the reading, collected in-class work, and collected homework. In addition, a Bible map of the student's choosing (although not on Palestine in the time of Jesus) may be done for up to two points extra credit.
The introduction papers should be typed. The two pages of the introduction papers are a minimum of two full pages, not counting the cover sheet (required) and bibliography (also required with at least three entries, two of which are from the library). One page is defined as 27 double-spaced typewritten lines (counting the title, but not your name or page numbers) with 1" margins. The typed papers should be written using the Turabian style guide. Students who are not Bible majors may petition to write the paper using the MLA style guide.
Exam questions can come from the lectures or assigned readings from either the textbook or the Bible. The final exam will cover material from the whole course.
Class will be excused for students attending the World Missions Workshop. Students will be expected to attend at least a one hour class for each hour missed and turn in a one-page report on the class attended. The reports will count as attendance grades.
Ten points will be given for attendance. One point will be deducted for each class missed, including those missed for illness. The only exception to this will be those who miss on official school business and have an official notice to this effect; up to five such absences will not count against the student's grade if the student has no unexcused absences. Two grace days will be given to all students to allow for absences due to illness and excused absences for official school business. Note well: Grace days will be applied first to excused absences.
Additional readings/quizzes/essays/maps may be assigned.
The final grade will be based on your work in the following way:
Two-page Researched Papers 10% Attendance 10% Pop Quizzes/Homework 15% Major Tests 40% Final Exam 25%
Only in the area of Maps will any extra credit be allowed to exceed these percentages. Your final grade will be A, B, C, D, or F. An A will be given for an average of 100-90, a B for 89- 80, a C for 79-70, a D for 69-60, and an F for any average below 60.
All work is expected to be turned in on time. If for some reason you cannot make the due date, please ask my permission to turn the work in late. Late homework is not accepted, since the answers will often be given in class. Realizing that other teachers may assign work due at the same time, I will not dock your grade on the map if it is no more than one (1) week late; however, if it is later than one week, expect to have your grade on that assignment lowered by half. The 2-page typed papers turned in late will dock the paper grade by one-half letter (5%) per class period late.
No paper will be accepted that is more than two weeks late. A paper that is more than one week late may not be rewritten, except in unusual circumstances. A paper must be at least 75% of assigned length in order to be rewritten. The grade on a paper which is rewritten may be increased on content, length, and up to (but not exceeding) a letter grade on mechanical errors. No grade will be given to a paper which contains enough mechanical errors to dock the score by two letter grades. It will be turned back without a score and the rewrite counted as late. Be sure to proofread and spell check! The English proficiency test sets the minimum standard for college papers.
Students who are absent on exam days with good reason may schedule a make-up exam within the next week. You must ask to take a make-up exam.
Students who score less than a 70 on a major exam may petition to retake the exam within a week after grades are returned on it. The highest grade on any retake exam will be 70. Once again, you must ask to retake an exam. There will be no retakes on the final exam. Study hard for it.
Because Ohio Valley College expects students to follow the highest standards of honorable conduct in all areas of life, it is essential that students maintain high standards of academic integrity. Cheating, plagiarizing (whether intentionally misrepresenting another's work as one's own or failing to follow appropriate requirements of documentation), and helping others to cheat or plagiarize are all violations of these standards. Students who engage in these behaviors will face appropriate consequences, which could include failing the assignment in question, failing the course, or being dismissed from the College. A student who believes that he or she is being treated unjustly may file an appeal with the Provost; the student must initiate the appeal within 48 hours after receiving notification of the consequence. Appeal procedures are available in the office of the Provost.
Plagiarism is the presentation of another person's work as your own, whether you mean to or not. Copying or paraphrasing passages from another writer's work without acknowledging that you've done so is plagiarism. Translating passages from another writer's work in another language without acknowledging that you've done so is plagiarism. Copying another writer's work without putting the material in quotation marks is plagiarism, even if credit is given. Allowing another writer to write any part of your essay is plagiarism.
Plagiarism is a serious crime. The maximum penalty at OVC is expulsion from the college.
Plagiarism is easy to avoid. Simply acknowledge the source of any words, phrases, or ideas that you use. If you're not sure how to quote or paraphrase a source or if you need help with the format of endnotes or bibliographies, check with me. While you can (and in fact should) seek the help and advice of friends, classmates, and tutors, be sure that your written work is completely your own. Compliance with Americans with Disabilities Act (ADA)
If you have a diagnosed disability and need special accommodations, please notify the Office of the Provost before or immediately after your first scheduled class meeting. After your disability has been verified, notify your instructor, who will work with you and the Office of the Provost to insure that you have a fair opportunity to perform in the course.
At Ohio Valley College, we seek to transform lives in a Christ-centered academic community that integrates higher learning, biblical faith, and service to God and humanity.
MAJOR EXAM DATES: Exam 1 -- Thursday, September 25, 2003 Exam 2 -- Tuesday, October 28, 2003 Final Exam -- Tuesday, December 16, 2003 8:00 a.m. - 9:50 a.m.
WEEK ONE: 8/28/03 -- Introduction to the Course WEEK TWO: Law homework: read intro in HBH and in Bible as assigned 9/ 2/03 -- Genesis homework: read intro in HBH and in Bible as assigned 9/ 4/03 -- Exodus, Leviticus WEEK THREE: Law homework: read intro in HBH and in Bible as assigned 9/ 9/03 -- Numbers, Deuteronomy homework: read intro in HBH and in Bible as assigned Bible map due 9/11/03 -- Joshua, Judges, Ruth Inman Forum WEEK FOUR: History homework: read intro in HBH and in Bible as assigned 9/16/03 -- I & II Samuel homework: read intro in HBH and in Bible as assigned 9/18/03 -- I & II Kings WEEK FIVE: History homework: read intro in HBH and in Bible as assigned 9/23/03 -- I Chron. - Esther homework: study for test 9/25/03 -- Major Test WEEK SIX: Wisdom homework: read intro in HBH and in Bible as assigned 9/30/03 -- Job, Psalms homework: book introduction 1 due read intro in HBH and in Bible as assigned 10/ 2/03 -- Psalms - Song of Solomon WEEK SEVEN: Prophets homework: read intro in HBH and in Bible as assigned 10/ 7/03 -- Isaiah homework: read intro in HBH and in Bible as assigned 10/ 9/03 -- Jeremiah, Lamentations WEEK EIGHT: Prophets homework: read intro in HBH and in Bible as assigned 10/14/03 -- Ezekiel, Daniel homework: read intro in HBH and in Bible as assigned 10/16/03 -- the 12 Minor Prophets World Mission Workshop WEEK NINE: Gospels homework: read intro in HBH and in Bible as assigned 10/21/03 -- Matthew, Mark homework: book introduction 2 due read intro in HBH and in Bible as assigned 10/23/03 -- Luke, John WEEK TEN: Acts homework: study for test 10/28/03 -- Major Test homework: read intro in HBH and in Bible as assigned 10/30/03 -- The Church in Jerusalem WEEK ELEVEN: Acts homework: read intro in HBH and in Bible as assigned 11/ 4/03 -- Early Expansion of the Church homework: read intro in HBH and in Bible as assigned 11/ 6/03 -- Paul's Missionary Journeys WEEK TWELVE: Paul's Letters homework: read intro in HBH and in Bible as assigned 11/11/03 -- Romans homework: book introduction 3 due read intro in HBH and in Bible as assigned 11/13/03 -- I Corinthians Last Day to Drop a Class with a "W"--Stick with it to the end! WEEK THIRTEEN: Paul's Letters homework: read intro in HBH and in Bible as assigned 11/18/03 -- Gal. - Col. homework: read intro in HBH and in Bible as assigned 11/20/03 -- I Thess. - Phil. THANKSGIVING BREAK WEEK FOURTEEN: Other Letters homework: read intro in HBH and in Bible as assigned 12/ 2/03 -- Hebrews homework: read intro in HBH and in Bible as assigned 12/ 4/03 -- James - Jude WEEK FIFTEEN: Revelation homework: read intro in HBH and in Bible as assigned 12/ 9/03 -- Rev. 1-11 homework: read intro in HBH and in Bible as assigned 12/11/03 -- Rev. 12-22 WEEK SIXTEEN: Final Exam Week homework: study for final exam 12/16/03 -- Final Exam (8:00-9:50am) N. B.: Homework is listed before the class for which it is due!


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Thursday, January 28, 1999
"If you take risks, you may still fail. But if you do not take risks, you will surely fail. The greatest risk of all is to do nothing." -- Robert Goizueta
Ford to Buy Volvo Cars
The world's second largest automaker Ford Motor Co. (NYSE: F) this morning announced it will acquire AB Volvo's (Nasdaq: VOLVY) worldwide car business for 50 billion kronor, or $6.45 billion, in cash. Ford, which outmaneuvered other potential suitors such as Italy's Fiat SpA (NYSE: FIA), anticipates the deal will result in higher annual earnings due to an "expanded product lineup, volume growth, global economies of scale in engineering resources and purchasing, and platform and manufacturing synergies."
Volvo will continue to be run out of Gothenburg, Sweden, by the same management. Ford will take over three major Volvo assembly plants and two powertrain plants in Europe, as well as Volvo's passenger vehicle product development center in Gothenburg. The deal gives Ford permanent rights to use the Volvo brand for cars, minivans, sport utility vehicles, and light trucks, leaving Volvo with use of the brand for commercial vehicles and its non-automotive-related products. Ford's stable of brands already includes Aston Martin, Jaguar, Lincoln, Mazda and Mercury.
The announcement puts to rest months of speculation regarding a possible deal involving Ford and Volvo since the company then known as Daimler-Benz announced plans to buy the No. 3 U.S. automaker, Chrysler, last May. While this deal seems puny next to the $37 billion DaimlerChrysler (NYSE: DCX) merger, Ford's purchase of Europe's seventh largest automaker adds 400,000 cars to its annual production of 6.5 million cars and light trucks and increases its European market share a tad to 11.9% from 10.2%. That puts it behind Volkswagen AG but ahead of General Motors (NYSE: GM), which owns 50% of Volvo's Swedish rival Saab AB.
News to Go
Yahoo! (Nasdaq: YHOO) said it will acquire online community GeoCities (Nasdaq: GCTY) in an all-stock deal valued at about $3.56 billion, or $113.66 a share, a 52% premium to GeoCities' closing price yesterday of $75. The deal will strengthen Yahoo!'s position online as rival America Online (NYSE: AOL) completes its acquisition of Netscape Communications (Nasdaq: NSCP) and Excite (Nasdaq: XCIT) becomes a part of high-speed Internet access provider @Home (Nasdaq: ATHM). Check out the Fool's StockTalk interview earlier this month with GeoCities President and CEO Tom Evans.
America Online (NYSE: AOL) late yesterday reported fiscal second quarter earnings of $0.17 a share, up from $0.04 last year and beating analysts' mean estimate of $0.14. The online services provider also said it will split its stock 2-for-1 effective February 22.
Earnings, Earnings, Earnings:
Allegheny Teledyne (NYSE: ALT) -- Q4 EPS: $0.39 (before one-time items) vs. $0.42 last year; estimate: $0.35
BroadVision (Nasdaq: BVSN) -- Q4 EPS: profit of $0.08 vs. loss of $0.05 last year; estimate: profit of $0.08
Centocor (Nasdaq: CNTO) -- Q4 EPS: $0.14 (before charges) vs. $0.04 last year; estimate: $0.12
Dendrite International (Nasdaq: DRTE) -- Q4 EPS: $0.18 vs. $0.11 last year; estimate: $0.15
Dura Pharmaceuticals (Nasdaq: DURA) -- Q4 EPS: $0.07 (before charges) vs. $0.37 last year; estimate: $0.07
Eli Lilly & Co. (NYSE: LLY) -- Q4 EPS: $0.51 vs. $0.40 last year; estimate: $0.51
ESS Technology (Nasdaq: ESST) -- Q4 EPS: profit of $0.11 vs. loss of $0.30 last year; estimate: profit of $0.09 (one analyst)
Exodus Communications (Nasdaq: EXDS) -- Q4 EPS: loss of $1.00 (before charges) vs. (net) loss of $5.91 last year; estimate: loss of $1.00
GeoCities (Nasdaq: GCTY) -- Q4 EPS: loss of $0.27 vs. loss of $0.14 last year; estimate: loss of $0.34
Gilead Sciences (Nasdaq: GILD) -- Q4 EPS: loss of $0.53 vs. loss of $0.42 last year; estimate: loss of $0.59
Greg Manning Auctions (Nasdaq: GMAI) -- Q4 EPS: profit of $0.04 vs. loss of $0.14 last year
Informix Corp. (Nasdaq: IFMX) -- Q4 EPS: $0.14 (before charges) vs. $0.05 last year; estimate: $0.11
Inprise Corp. (Nasdaq: INPR) -- Q4 EPS: $0.06 vs. $0.01 last year; estimate: $0.04
Kerr-McGee (NYSE: KMG) -- Q4 EPS: $0.09 (before charges) vs. $0.73 last year; estimate: loss of $0.03
Macromedia (Nasdaq: MACR) -- fiscal Q3 EPS: profit of $0.12 vs. loss of $0.19 last year; estimate: $0.10
M.A. Hanna Co. (NYSE: MAH) -- Q4 EPS: $0.05 vs. $0.34 last year; estimate: $0.13
Mindspring Enterprises (Nasdaq: MSPG) -- Q4 EPS: $0.07 (before tax benefit) vs. $0.02 last year; estimate: $0.07
PairGain Technologies (Nasdaq: PAIR) -- Q4 EPS: $0.07 (before valuation adjustment) vs. $0.17 last year; estimate: $0.08
Ticketmaster Online-CitySearch (Nasdaq: TMCS) -- Q4 EPS: loss of $0.26 vs. loss of $0.35 last year; estimate: loss of $0.31
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"My boyfriend keeps saying yes, but he isn't the one doing it!"
Firstly, there are a lot of questions that are asked when it comes to oral sex; such as diseases and sicknesses. We will try our best to answer all of the major concerns.
The Natural Answer:
As you most likely already know, Semen is an all-natural bodily fluid that doesn't harbor any diseases or harmful bacteria within a HEALTHY human being. Semen's main purpose is to provide sperm with a high protein and nutrient rich medium to sustain their journey to the female ovaries. Sperm, in general, does not present a threat to the digestive tract since they are neutralized by gastric fluids before they even reach the stomach!
Swallowing the semen of a healthy male may in fact be good for you! This is due to the semen's highly concentrated source of minerals, protein, natural sugars, and other nutrients. It does not contain any harmful chemicals. The "bleachy" smell of semen is due to traces of chlorine and its alkaline pH. Seriously, think about it… If it's safe to enter the vagina, it should be alright to enter the harsher environments of your mouth and throat!
The "Eeehhhh" Answer:
Swallowing semen from a partner that has an STD means that you'll become exposed to whatever they're carrying. We all know that having unprotected oral sex is risky.
Diseases that can be spread via oral sex include:
- Herpes
- Genital Warts
- Gonorrhea
- Chlamydia
- Syphilis
As of now, the risk of HIV transmission through oral sex is still undetermined. However, through extensive research we've found that some experts say there is little to no risk of getting HIV through fellatio while others say there is a possible risk. There have been cases of men contracting HIV via oral sex. It all depends whether or not there are cuts or sores in the mouth of the person performing the oral sex – Do us all a favor and add some flavor!
Hypothetically speaking, if you've already performed oral sex, swallowing the semen isn't going to put you at much additional risk. If anything you should swallow as it's the fastest way to get rid of it. By doing so, your digestive enzymes and acids will most likely destroy any germs contained within the semen. We then suggest to rinse your mouth thoroughly with a 3% hydrogen peroxide solution. This will further kill any additional germs in your mouth and throat.
Swallowing Makes Me Throw Up!
"Is true that some people get nauseated or even vomit during or after performing fellatio?"
Yes. This is mainly due to the individuals gag reflex being triggered. Keep in mind that one's gag reflex is the process by which the body protects itself from choking. If its constantly stimulated, the person will in-fact start involuntary vomiting. However, keep in mind that the gag reflex can be controlled through PRACTICE!
Another reason for this is due to psychological reasons or due to the taste – We've got you covered for both! Just remember, practice makes perfect and of course you can always change the taste!
Can I get pregnant?
Are you serious? NO, YOU CANNOT GET PREGNANT. Semen goes down into your stomach where they are digested with all your other food. There is no passage connecting your stomach to your vagina.
Oral Sex Summary:
- Swallowing semen from a healthy male may in fact be good for you!
- Swallowing semen from a partner that has an STD means that you'll become exposed to whatever they're carrying
- The gag reflex can be controlled (no excuses!)
- NO. You cannot get pregnant!
- It will not poison or make you ill


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Name 5 key functions and roles of proteins.
- Structure
- Membrane components
- Enzymes
- Hormones
- Antibodies
What are the monomers of proteins?
Amino Acids
How many types of amino acid are there?
What determines what amino acid each is?
The 'R' Group.
What is the structure of an amino acid?
An amino group, an R group, an Acid group and a carbon inbetween.
How do plants and animals obtain amino acids?
Plants manufacture them. Animals have to obtain them from thier diet.
What is deamination, where is it carried out and why?
The process of removing the amino group from the amino acid.
This takes place in the Liver and is because excess amino acids cannot be stored by animals as the amino group makes them too toxic if too much is present.
What are amino acids joined by?
What are amino acids split by?
What bond is made?
What is the name of the molecule formed from 2 amino acids?
What is the name of the molecule formed from 3 or more amino acids?
Why are some amino acids decribed as 'non-essential'?
Because they are not essential parts of the diet. They are still essential for protein synthesis but they can be made in the body from other amino acids.
What is the structure of a dipeptide molecule?
Where are polypeptides and proteins synthesised?
What is Primary Structure?
The types and sequence of amino acids in the polypeptide or protain chain.
What is the secondary structure and what are the two types?
The shape determined by hydrogen bonds.
Either alpha helix or beta pleated sheet.
What is the tertiary structure?
The shape of the polypeptide backbone determined by hydrogen bonds, hydrophobic interactions, disulphide bridges and ionic bonds.
What is the quaternary structure?
This is how several polypeptide chains interact with each other.
What are two examples of this?
Haemoglobin and collagen.
Why do all proteins have an amino group at one end and an acid group at the other?
Because they are made from amino acids joined 'end to end'. In all cases, the amino group of one amino acid joins to the acid group of the next and so on.
Some organisms can survive in hot environments. What bonds are likely to be most common in the proteins of these organisms and why?
Covalent (disulfide) bonds because they are unaffected by heat.
Describe the similarities and differences between Collagen and Haemoglobin.
Both are proteins with a unique primary, secondary and tertiary structure.
Haemoglobin is a globular protein with a metabolic function and contains a prosthetic group.
Collagen is a fibrous protein with a structural function and does not have a prosthetic group. Collagen also contains fewer amino acids.
What are the similarities between cellulose and collagen?
Both are fibrous molecules, used to give structure and support in an organism. Molecule fibres are strengthed by hydrogen bonds.
Describe the test for proteins.
Biuret test, colour change from plae blue to lilac as the chemicals in the reagent react with the peptide bonds.
Name 6 features of enzymes.
- globular proteins
- usually soluble in water
- act as catalysts
- specific to substrate
- has an active site
- activity is affected by temperature and pH.
Why is the tertiary structure so important in enzymes?
For the shape of the active site.
What are enzymes also referred to as and why?
Biological catalysts, because they speed up chemical reactions.
What is the name of the following enzymes?
- Used in the breakdown of sugar.
- used in the breakdown of hydrogen peroxide.
- Lactase.
- Catalase.
What is the name of enzymes that catalyse reactions outside the cell?
What is the name of enzymes that catalyse reactions inside the cell?
What are the advantages of having an internal digestive system compared with secreting enzymes outside the organism.
The enzymes produced are not lost to the environment and so can be retained and recycles. The invironment of the internal system can also be regulated to give the optimum conditions for the enzymes' activity.
Explain why many white blood cells invlolved in phagocytosis contain a high concentration of enzymes.
White blood cells take in and destroy foreign organisms and debris. The destruction of this material is achieved by potent digestive enzymes and the lysosomes of these cells.
What is the name of the process where phagocytes take in and digest bacteria using lysosomal enzymes?
Why do all organisms have enzymes in their cells?
Enzymes regulate metabolic process by catalysing reactions at a rate apporpriate to the organism.
What is activation energy and what do enzymes do to this?
The amount of extra energy needed for a reaction to proceed.
Enzymes reduce the amount of activation energy needed to allow a reaction to proceed.
How do enzymes do this?
Enzymes destablise the structure of the molecule needed in the reaction.
What are the two theories behind how they destabalise the molecule stucture?
Lock and Key; hydrophobic R groups are attached to the substrate in the active site which is of a completmentary shape. As the substrate binds to the active site the enzyme splits the substrate into two smaller products.
Induced Fit; the substrate collides with the active site and the enzyme changes shape to fit more closely around the substrate. It is held in place by oppositley charged groups on the substrate and active site forming an ''enzyme-substrate complex''. This destabilises the structure of the substrate making an enzyme product complex that no longer fits and therefore moves away.
How does the lock and key theory of enzyme action differ from induced fit?
In the induced fit hypothesis the enzyme changes shape to fit the substrate whereas in the lock and key hypothesis there is no shape change.
Explain making an enzyme-substrate complex reduces activation energy.
The enzyme molecule hold the substrate in such a way that the reaction proceeds more easily.
Why are enzymes essential to living organisms?
Reactions essential to life do not take place at a rate sufficient to sustain life without them.
What four main external factors effect the function of enzymes?
How does temperature effect molecules in a solution?
Gives more kinetic energy to the molecules and therefore makes collisions more likely.
What does this do to reaction rate?
Increases it.
What is denaturisation and why does it happen?
An irreversible change to the tertiary structure of a protein leading to loss of function.
Vibrations caused by the extra kinetic energy puts strain on the bonds that hold the molecules together and eventually break the hydrogen and ionic bonds that hold the tirtiary structure.
What is pH?
The measure of hydrogen ion concentration.
What would a high value of pH be?
Would a high concentration of hydrogen ions cause a low or high pH reading?
How does pH effect enzyme action?
Hydrogen ions carry a positive charge and interfere with the bonds in tirtiary structure of the enzyme.
Changes to the structure cause shape changes and therefore change the working of the active site.
Is this a permenant change?
How is reaction rate effected when the concentration of substrate is increased if there is a fixed concentration of enzyme molecules?
The more substrate molecules present, the more enzyme-substrate complexes can form and therefore the reaction rate increases.
Why does a plateau occur?
The enzymes are all 'occupied' and working at a maximum possible rate.
What is this also known as?
A limiting factor.
How is reaction rate effected when the concentration of enzymes is increased if there is a fixed concentration of substrate molecules?
The more active sites available the more enzyme-substrate complexes can form, and therefore the reaction rate increases.
Why does a plateau occur?
There is a maximum reaction rate as eventually all substrates will be occupying active sites.
What does the initial reaction rate give?
the maximum possible reaction rate for an enzyme under a particular experimental situation.
Why are enzymes usually kept at low concentrations in cells?
Because they are reusable and this makes them easier to control.
What are inhibitors (in short)?
Any substance or molecule that slows down the rate of reaction.
What are the two types of inhibtor?
Competitive and Non-Competitive.
What is a Competitive inhibitor?
Molecules that have a similar shape to that of the substrate and can form enzyme-inhibitor complexes preventing the molecule from entering.
The number of enzyme-substrate complexes that can form is reduced and therefore so too is the reaction rate.
What would be the effect of increasing the concentration of substrates with a fixed concentration of competitive inhibitors?
Effectivly dilutes the effect of the inhibitor.
What is a non-competitive inhibitor?
Molecules that attach to the enzyme in another region, distorting the tirtiary stucture of the enzyme.
This leads to a change in the shape of the active site, meaning the substrate no longer fits into the active site.
Complexes cannot form and the reaction rate therefore decreases.
Is the effect of competitive inhibitors permenant?
Is the effect of non-competitive inhibitors permenant?
How can it be determined what type of inhibitor is present?
By carrying out experiments at different substrate concentrations.
If the rate of reaction increases up to the same as that given without an inhibitor present, then it can be determined that it is a competitive inhibitor present.
Individual hydrogen bonds are very weak, how can these weak bonds be responsible for holding the tertiary of an enzyme molecule in place?
There are many hudrogen bonds, each is weak but lots of them together are very stabalising.
What are the names of the two non-protein substances needed by some enzymes to be present in order for them to catalyse reactions?
Cofactors and Prosthetic groups.
What are coenzymes and what is an example of one?
Small organic non-protein molecules that bind breifly to the active site either just before or during the ]bstrate binding.
They can be reused and are sometimes changed in some way during the reaction.
Can act as a 'middle man' to link enzyme controlled reactions that take place in a sequence.
An example is vitamin B
, which produces a coenzyme used by pyruvate dehydrogenase in respiration.
What are prosthetic groups and what is an example of one?
A conenzyme that is a permenant part of an enzyme molecule.
They contribute to the final 3d shape and to other properties on the molecule including charges.
An example is carbonic anhydrase which contains a zinc based prosthetic group.
What is an example of an inorganic ion cofactor?
Chloride ions.
The enzyme amylase catalyses the breakdown of starch to maltose molecules, but only in the presence of chloride ions.
The recommended daily dietry allowance for nicotinamide is 18mg. Suggest why the RDA is low.
Nicotinamide is a reusable conezyme.
What is the protethic group found in haemoglobin?
Haem group.
Where in the cell would the addition of prosthetic groups to the enzyme molecules take place?
Golgi body/apparatus.
What effect does potassium cyanide have on an organism (metabolically)?
Acts an a non-competitive inhibitor for a vital repiratory enzyme cytochrome oxidase, found in mitochrondria. Inhibition of this enzyme decreases the use of oxygen so ATP cannot be made.
The organism can only respire anaerobically, leading to a build up of lactic acid in the blood.
How can cystic fibrosis sufferers be treated with enzymes?
One of the symptoms of cystic fibrosis is that the passage of digestive enzymes is blocked causing problems digesting thier food.
Enzymes in tablet form with an acid resistant coat can be prescribed to overcome this problem.
Why is antifreeze dangerous when taken into the body?
It contains Ethylene Glycol which in itself is not dangerous.
However when taken in by the body it is broken down in the liver by the enzyme, alcohol dehydrogenase. The breakdown product Oxalic acid is extremely toxic and can lead to death.
Why is alcohol intoxication used to treat ethylene glycol intake?
Enthanol acts as a competitive inhibitor of alcohol dehydrogenase. Therefore reducing the production of oxalic acid aloowing ethylene glycol to be excreted harmlessly.
How does penecillin work to inhibit the growth of microorganisms?
It is an inhibitor of a bacterial enzyme that forms cross-links in the bacterial cell wall of some bacteria. meaning repoduction is halted.
What four functions do the enzymes present in snake venom do to their prey?
-Interfere with the working of the preys heart causing a fall in blood pressure.
- inhibit enzyme used in nerve transmission, resulting in paralysis.
- break down connective tissue to help toxins penetrate quickly.
- breaking down ATP to disrupt the prey's use of energy.
Why would the enzymes given in tablet form be destroyed by the stomach if not packaged properly?
Enzymes are proteins and the stomach contains potent protease enzymes. The enzymes would be broken down and rendered useless.
Suggest why glucose does not normally appear in urine, but does appear in individuals with diabetes mellitus.
The kidney is able to retain glucose in the blood when urine is formed. In a diabetic there is so much glucose in the blood that the kidney is unable to retain it and therefore causing some to be lost.
Many antibiotics are chemicals naturally produced by fungal organisms and released into their environment. What is the advantage to a fungus of producing and releasing antibiotics?
To detroy other organisms so that they cannot take up its food supply.
What is a metabolic pathway?
A series of enzyme-controlled reactions where the product of one reaction in the substrate to the next.
Why will the end product often act as a reversible non-competitive inhibitor for the first enzyme in the sequence?
To prevent over production.
What is an example of a condition where enzyme action is not controlled?
Multiple Sclerosis.
Explain the effects and treatment of the condition Phenylketonuria.
An inborn error of metabolism resulting from mutated DNA. This causes errors in enzyme structure of Phenylalanine hydroxylase which breaks down excess phenylalanine from the diet to tyrosine.
As this amino acid (phenylalanine) cannot be broken down it builds up and causes irreversible damage to the nervous system.
Affected individuals must have a diet with very little phenylalanine.
ATP is an end-product inhibitor of one of the enzymes that catalyses an early reaction in the sequence of reactions involved in respiration. Explain the advantages to an organism of this inhibition.
ATP production will occur at a rate sufficient to the organisms needs.
Explain why end-product inhibition is usually inhibition of an enzyme at the start of the reaction sequence.
intermediate products in the sequence will then not build up as well as the end product. It gives control over the whole sequence.
Why is diet restricted only in young people affected by phenylketonuria?
Damage is caused by a build up of phenylalanine in growing nervous tissue. In adults the nervous tissue is mature and so unaffected by higher levels in the blood.
Tyrosine is normally changed to melanin. Suggest why individuals with PKU usually have very fair hair.
individuals with PKU can't change phenylalanine into tyrosine, so they therefore cannot make melanin which is important for making hair.


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What is a Break-Even Ratio?
Break-Even Ratio (BER) is an analytical tool lenders often use when they're considering to underwrite a loan for investment real estate properties in order for them to determine how vulnerable the rental property might be to defaulting on its debt in the event the rental income stream derived from the property declines.
Here's the idea.
Cash flows (or income stream) are what typically define an rental income property's financial performance: rental income collected (cash "inflow") less the property's operating expenses and debt service (cash "outflow") equals the cash flow.
So it stands to reason that lenders would want gauge that income stream with a benchmark that shows them what percentage revenue must decline before cash flow breaks even with the loan payment. In other words, they want to know how close the investor might be to missing a loan payment in the event the property's income stream declines.
The break-even ratio does this for lenders by computing the ratio (as a percentage) between a rental property's cash outflow to its gross operating income (the total amount of annual income collected from rents less the vacancy allowance plus the income collected from other sources such as coin-operated washers and dryers, storage units and so on). Here's the formulation.
(Debt Service + Operating Expenses) / Gross Operating Income = BER
Let's say that the subject rental property's first-year financial data indicates a Gross Scheduled Income of $50,0000, a loss due to vacancy in the amount of 2,500, and other income totaling 2,500 as well as operating expenses of 20,000 and a loan payment of 25,000. Here's the result (requires 2 steps):
(50,000 - 2,500) + 2,500 = 50,000
(25,000 + 20,000) / 50,000 = 90.00%
Rule of Thumb
Lenders commonly look for a break-even ratio of 85% or less for them to consider underwriting a loan on investment real estate. That is, they want the assurance that rents can decline at least 15% before the property breaks even (100 - 85).
Since the subject income property in our example has a BER of 90%, it means that the income stream can only drop off by 10% before the cash flow breaks even with the mortgage payment. So it might not qualify for a loan from a bank that holds to that standard.
So You Know
All ProAPOD Real Estate Investment Software solutions as well as its iCalculator solution compute the break-even ratio.


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The 21-year-old, who ended last season on loan at Leicester, has been allowed to leave on a free by Villa despite having a year left on his contract.
Rangers boss Ian Holloway said: "He's the sort of player who will help get us back into the Premiership.
"We're looking to get him back to where he started. What he needs is to get a few games under his belt and, when he does, he'll be flying."


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Having wanted braces to fix my bad cross bite for most of my adult life and also hoping fixing my teeth would help my TMJ problems , I decided to see a local dentist who does free Invisalign consultations to find out if Invisalign was right for me. He said sure, 18 months max. Before I could even see the video of what my teeth could look like, I had to pay 1/3 of the overall fee (around $3500). So I paid that, told the dentist about my TMJ problems, had the impressions done (which was an ordeal in itself since they didn't have a tray that fit my goofy upper teeth) and hoped for the best. When my trays came in I had to pay off the rest of my bill, so by three weeks in I had already spent $3500.
Then the problems started. My upper and lower molars were just too close together so that when I had the trays in my mouth, they forced my jaw apart unnaturally, causing a major TMJ flare up that only went away after I had the trays out for a couple days. Realizing that Invisalign was NOT for me, I went back to the dentist and was refunded $1000, but the guy kept $2500 of my total fee. I don't even know how many trays were in my initial kit, but he told me my fee included not just the first Invisalign trays, but future revision trays (that he told me I would need) as well as fees for each office visit every two or so weeks when he would give me another tray. In other words, he not only prescribed Invisalign to someone for whom it was not suited, he also ripped me off.
Instead of doing the 18 months on Invisalign, I went to a highly rated orthodontist and am now in my 8th month of ceramic braces and almost ready for retainers. Plus my TMJ hasn't flared up once with actual braces. The orthodontist also offers Invisalign and told me point blank it was the wrong tool to do the job in my case and he wouldn't recommend it for my teeth. My advice is to get a consult with an orthodontist that also does Invisalign before going with a dentist. You may find that braces are not only the better option for you, but are quicker, too.


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|23rd September 2013, 07:55 PM
diyAudio Member
Join Date: Nov 2004
Interesting take on DIY smd soldering/reflow.... taken, as he disclaims, with a grain of salt. But I see where it's headed and it gives me some ideas to experiment.
I've done a fair bit of smd, even quite miniature with a magnifying lens, using ultra fine solder and an iron. I've never use paste before.
I've got a half dozen Cree XML led chips in hand that are pretty sensitive and expensive so I'm going to practice a bit with the 'skillet' method.
First practice will involve taking an ultra thin rosin cored solder, pound it ultra thin, razor blade it to fit the dimensions to make a substrate between the led anode/cathode pads (xml pads are on the bottom and match equally dimensioned rectangular pads on the board). "Glue" this solder substrate to the pcb and the led on top of that and then reflow.
If that does not work out well can anyone recommend a solder paste? The LED plastic lens is sensitive to over heating. The "best" solder paste based on other recommendations has a melting point of 361°F (Eutectic) and is lead based. They don't seem to list specs for their lead free version.
Solder Paste, SMD & SMT Rework Solder Paste, Long Shelf Life, Ships Fresh!
But Amazon lists this other recommended paste, lead free and eutectic with a melting point of 281°F.
Chip Quik Low Melting Lead Free Solder Paste - Amazon.com
If the standards for measurement are to be trusted that is a pretty significant difference, no?
A digital kitchen thermometer with stainless steel probe was only about 12 dollars at Walmart. Since my DIY PCB is 50 x 50 x 4mm I'm not too concerned with even heat transfer. I'll practice a bit with other copper bits and junk smds around the shop but it seems like a very simple (which this is at one sided three smd) one sided board should work just fine right on the electric stove top with clear glass lid over it to keep the heat a bit more even yet.
Once my max heat has been reached according to the LED spec sheet, or when the solder flows visually, I just remove the copper pcb from the hot surface and place it on a cool one next to it. The copper will take enough time to cool on its own without having to worry about ramping down too quickly. At the same time it will not continue to rise as might happen if I simply shut the heating element off and left it there.
If I were working with a more standard pcb material I'd transfer the board to another preheated 150°F burner and turn that burner off as soon as I set the pcb on it.
Last edited by peace brainerd; 23rd September 2013 at 08:03 PM.
|23rd September 2013, 08:11 PM
diyAudio Member
Join Date: Aug 2008
Location: High Wycombe
Chip Quick is a special, very low melting point solder intended to aid in removing chips from a board for rework, it is not for normal soldering of components.
Get a syringe of standard 63/37 tin/lead solder, and a handful of different thickness blunts, and keep it in the fridge when not in use or the solvents will evaporate.
Kester/Multicore/whoever, but get one with a no clean flux.
Regards, Dan.
|30th October 2013, 09:11 PM
diyAudio Member
Join Date: Feb 2008
Location: Jackson,michigan
Hi there !!!
I just took my First plunge into the world of SMT today so I thought that I would share it with all of you as well.
This is a board that I made using DIP Trace and my Samsung ML-1865W laser pinter at a 1200dpi setting for the graphics.
I also used HP double sided photo paper.
It it took 5 tries to get the print transfer process to come out properly.
The First board came out a bit smudged with ragged edges and was not suitable for use for fear of solder bridging some of the traces.
So I used that as my practice soldering board.
After total of 5 tries I got it down very well and the second board came out perfect!!!
It was much easier than I had expected considering that it is the smaller TSSOP SMT package and that I had hand soldered the pins.
I used Radio Shacks 62/36/2 .022 Dia. solder (Cat. 64-013) and their Non-Spill Paste rosin flux (Cat. 64-022).
I should have used the smaller diameter .015" solder for this package but it worked fine just the same.
I looked all over town to try to find some Solder-It solder paste and nobody seems to carry it any more even though I have seen it on the shelves a few years ago.
Eventually I will get some proper syringe type solder paste via mail order so that I can just use a heat gun, But these products worked just fine much to my surprise!!
Being that this is a TSSOP-16 part it is about half the size of a SOIC-16 part and I had my doubts!!!
But not anymore !!!
It is about the smallest there is as for as pin spacing goes, although, I know there are a few that may be even smaller but not by much!!!
I don't expect to be using anything smaller than this for the most part.
I had stayed away from this technology for many years only to find that it is much easier than I thought it would be to work with.
You need just is a little patients, lots of light and a good magnifying glass is all.
Oh,and a fine tipped iron as well.
I got a new fine tip for $2 and ground it down to suit my needs.
Once had I got my pattern save in 1200 dpi format I used IrfanView to duplicated it, as dip trace only allows you 300 pins per project.
I then printed out a whole sheet of photo paper with about 20 to 30 patterns on it in order to not waste any of the paper.
Now I have several more for other projects as it took 5 of them to make just this one (two) board !
Here are some pictures of my little adapter board for the M74HC4094TTR 16-TSSOP serial in/parallel out shift registor latch that I made.
I am going to use this with a TLC548 8 bit A/D that is in a 8 pin DIP that I have had for years but never used.
Cheers !!!
Last edited by geraldfryjr; 30th October 2013 at 09:16 PM.
|31st October 2013, 07:39 AM
diyAudio Moderator
Very nice work and just goes to show what can be done.
A good work around with Diptrace for the 300 pin limit is to use single pads for resistors and so on. I've found I could work past the limit doing that.
Installing and using LTspice IV. From beginner to advanced.
Help for Ruth & Dave
|31st October 2013, 12:46 PM
diyAudio Member
Join Date: Jun 2007
Location: Blackburn, Lancs
Pin pitches are quite common at 0.5mm these days, there are some 0.4mm QFNs appearing. BGA's are also appearing with pitches of 0.5/0.4mm and smaller ones are being developed. This makes routing boards quite a challenge and when dealing with this size of components will use microvias and HDI PCB design
|31st October 2013, 01:23 PM
diyAudio Member
Join Date: Feb 2008
Location: Jackson,michigan
Thanks for the tip Mooly!!!
I was wondering if using just pads would go against the pin count issue.
I will give this a try!!
|17th November 2013, 02:29 AM
diyAudio Member
Join Date: Feb 2008
Location: Jackson,michigan
I just found this cool video of how to make a SMT Solder Paste Mask out of a aluminium pop can!!
But the coolest part was that he used some cheap Vinyl Cabinet Covering for the toner transfer process.
Has anybody tried this rather than using photopaper?!!!
DIY home-made SMT metal stencil - the definitive tutorial - YouTube
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