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By Srinivasan Santhanam
Government knows better banking than RBI
A case in SHG Bank Linkage Programme -Term Loan Vs Cash and Carry Loan[1]
The Government of India (GOI) issued a circular on 17 Nov 2011 to all the commercial banks directing them to start issuing all loans to the Self Help Groups (SHGs) in the form of Cash Credit Facility only. It also directed them to convert all the existing loans issued as Term Loans in to Cash Credit Facilities.
The rationale offered for this direction was simple. In the opinion of GOI, the present practice of giving term loans, has a cost to the bank because of high number of transactions and documentation required for it. It also takes away a lot of precious time of the staff of the branch. Similarly, it also costs time and inconvenience to the group members as they have to come repeatedly to the branch for documentation and also save to keep separate accounts for repaying each loan.
On 19 Dec 2011, it issued a clarification that SHG's will hold one service account with the bank branch which shall be the savings-cum Overdraft account. Initially, groups will deposit their savings in this account and as and when they become credit worthy, an Overdraft will be issued to them from the same account.
Salient features of the GOI instructions are:
- The banks will sanction cash credit limit for the amount which the Group will be entitled to have in the ratio of 1:4 after savings of 5 years. However, disbursement limit would be sanctioned after six months and thereafter reviewed each year in the ratio of savings as prescribed by RBI. This will help to avoid repeated documentation which involves lot of activity for the Group as well as for the branch of the bank.
- NABARD will ensure that this is discussed and conveyed to all bank branches in all districts of India immediately and in case of existing accounts, the same procedure will be followed.
- Wherever internal guidelines of the bank permits to go beyond the ratio of 1:4, the same will be applied in all cases- existing and new.
- In so far as existing SHGs are concerned, the term loans shall be converted into cash credit limit by 31 December 2011.
I believe that either humility among all the CMDs of all the commercial banks or the fear of coming under the firing line of the GOI has made all the bankers to fall in line without getting confused / amused whether it is the job of RBI or the GOI to issue such directives on the type of loans to be issued to their clients. It appears that the RBI is yet to take any follow up action by way of further instructions to the banks in this regard. Of course, NABARD in its circular on 'SHG-Version 2' issued in April 2012 to all the banks has covered among other things the operational guidelines on issuing loans to SHGs through Cash Credit mode.
Leaving aside the semantics, let me examine the implications of this directive on the programme implementation.
NABARD in its guidelines issued in April 2012 has attempted to educate the banks by way of a couple of illustrations covering various aspects to be looked into by banks while sanctioning Cash Credit Limits to SHGs.
Though the GOI instructions stipulate sanctioning of Cash Credit Limit to SHGs for a five year period after reckoning the savings (projected based on existing savings), NABARD has advised the banks to sanction cash credit limit for a period of three to five years based on the projected savings of the SHGs up to the end of 3 to 5 years. Drawable limits for each year can however, be fixed within this aggregate ceiling as a multiple of actual pooled savings reached.
NABARD has also observed that some banks have expressed apprehensions that such an approach could drive to financial indiscipline at the SHG level and lead to over-borrowing and potential defaults.
To prevent such an eventuality, it has proposed certain measures be adopted by banks such as sanction of credit by SHG to its individual members will be guided as per their terms and duration as decided by the groups and not by the cash credit limit sanctioned by the bank, introduction of appropriate prudent mechanisms for review and continuance of limit by ensuring that all or part of the principal drawals is repaid in an operational year.
Further, it has also recommended that the banks could insist that every drawal be repaid within twelve months from the date of drawal or insist for turnover of at least 25-30% of the principal drawn in the first half of the year while reviewing the operations of the credit limit.
In India, as at the end of March 2011, out of 74.62 SHGs having Savings Bank accounts with banks, there were 47.87 lakh SHGs having loan outstanding to the tune of Rs.31.22 billion[2]. In addition, there are a large number of SHGs financed by the micro-finance institutions (MFIs) though some of them would have obtained loans from the banking channel also. For the same period, according to NABARD's estimates, the savings of 74.62 lakh SHGs stood at Rs.70.16 billion giving an average savings per SHG[3] of a little over Rs.9,400 (it ranged from Rs.4,035 per SHG in NE Region to Rs.10,600 in Southern States). It also grew by 13.2 per cent during 2010-11. Average loan outstanding per SHG was Rs.65,223 giving a ratio of 1:6.9 (say 1:7) between savings and loan outstanding. Based on the above figures, let us do some on the back envelope calculation and fix the aggregate Cash Credit Limit of all the SHGs in the country for a five year period.
|No. of SHGs credit linked at the beginning
|Growth of SHGs (%)
|No. of SHGs at the end
|Saving per SHG
|Growth in savings (%)
|Savings per SHG at the end
|Total savings at the end(billion)
|Cash Credit Limit at the end(billion)
Let us examine some of the possible effects of this new system on banks and clients.
The banks would charge interest at monthly rests and this will be added to the outstanding. For example, on a loan outstanding of Rs.1 lakh at the end of March, the bank at 12% interest would charge Rs.1000 as interest for March which will increase the loan outstanding figure without any actual business done. The cumulative effect of this action will be a proportionate increase in the loan assets of the bank if it has a large portfolio of SHG loans.
In case of a term loan for the same amount of Rs. 1 lakh issued at the beginning of the year and the SHG concerned has repaid about Rs.50,000, then the loan outstanding will be only Rs.50,000. Under the C/C system, banks may be tempted to advise the SHGs to draw to the full extent of drawing power at the end of March (financial year closing) so that they can show higher performance under loan assets. Some bankers who are more aggressive would make the SHGs to deposit the drawn funds in the Savings Bank account or Short Term Deposit account so that they can increase the business both under assets and also liabilities side. Of course, this may be construed as a sort of window dressing, but, temptation will be high to resort to do this.
Under SHG bank linkage programme, a large number of SHGs, particularly those in the states where the programme is very intensively implemented (Tamil Nadu, Karnataka, Andhra Pradesh etc) have more than one loan accounts with the same branch of a bank like Revolving Fund Loan, Economic activity loan etc, particularly under the government sponsored programmes. It is not clear if the banks would be required to merge all the loans of one SHG under one loan and if so, arriving at the year wise limit and fixing drawing power would be difficult as the government schemes such as SGSY require maintenance of two separate accounts.
The NPA levels of loans to SHGs by banks have gone up from 2.90 % during 2009-10 to 4.72% during 2010-11. Some banks opine that by converting them into C/C limits, they can classify a large number of those accounts as standard assets. Instructions are not clear as to how these NPA accounts would be treated.
With the National Rural Livelihood Mission (NRLM) replacing SGSY from 2012-13 onwards, the thrust for financing of SHGs by banks would be more through the federations of SHGs than directly to the SHGs as is being done now. If the federations are going to be financed by banks, then whether the C/C limit would be extended to the federations also. As federations would have some SHGs which have turned NPAs to banks, it will be difficult to monitor non-financing of such groups by the federations from the loans obtained from the banks.
Among the three category of banks viz., CBs, RRBs and Coop Banks, the Coop Banks would find it more difficult to switch over to CC Limit mode as a number of SHGs would be having accounts with the Primary Agricultural Societies (PACS) or at the branch level of district central cooperative bank. For them to operate CC limits as envisaged under the new dispensation would pose a new challenge as most of them may not be familiar with the operations of such CC limits.
Most of the SHGs are not aware of the change in the pattern of getting bank loans by way of CC limits in lieu of term loans as is done hitherto. Even under the existing dispensation, awareness among SHGs about the terms and conditions of bank loans is limited in a number of states. So, they will rather go with the instructions of the bankers than with their own credit requirements from time to time.
Loan requirements of SHGs would largely depend upon availability of business activities in the area, the entrepreneurial ability of SHGs or at least some of the members, support available from the promoter NGOs or the Self Help Promoting Institutions. So, fixing a uniform pattern of a five year CC limit to all the SHGs would make some of the SHGs choke under the burden of higher debt as they would be tempted to borrow when the funds are available without any economic activity to pursue to make their loans a sustainable one.
Apart from banks, a large number of MFIs are also financing SHGs. It is not clear if these MFIs would also be required to issue only CC limits on the lines of GoI directive or they will be free to issue loans in the manner that best fit their business model.
What next?
Following steps could be considered to make the new dispensation workable.
First, make the CC limit for SHGs as a preferred mode of financing by banks and MFIs. This can be done by assessing the total loan requirements of an SHG for a period of say 3 years through a business plan approach and dividing the total loan amount as Term Loan and CC limit.
Second, banks should make all out efforts in creating awareness among the SHGs about the introduction of CC limits to their loans in lieu of Term Loans. This can be done through print and visual media as a marketing strategy as normally done while marketing any new financial product to their urban clients. This should be done on an on-going basis over a period of at least one or two years until the SHGs begin to understand the implications of using CC limits from banks and MFIs.
Bankers also would need to be trained in handling of CC limits accounts of SHGs. This is particularly important as most of the bankers would get a feeling that they know very well about operating CC limit accounts. They should understand that handling of normal CC limit accounts of businessmen, enterprises are far different from that of handling of CC limit accounts of SHGs as the latter would require a thorough understanding of the SHGs and providing funds to them according to their requirement.
NABARD should assess the training needs of the bankers particularly those of RRBs and the Cooperative banks and provide them with a well structured training plan and educate the bankers in handling the new type of financing to SHGs.
While some of the banks have issued detailed guidelines on CC limit operations to their branches, some of the banks have just reiterated the directive of GoI without any operational guidelines. RBI may need to look at this and ensure that all banks issue suitable detailed operational guidelines to their branches so that they can operationalise the CC limit system of financing to SHGs.
Creating a single type of loan product and by standardizing it with conditions of five year CC limit and year wise drawing powers would not allow the freedom for both the lenders and the borrowers to choose the types or combination of loan products that would suit them best.
As mentioned above, there may be temptation among the bankers to use the CC limit facility to their advantage at the cost of SHGs which is not desirable. Therefore, the new dispensation has raised more issues than answers.
Both RBI and NABARD would need to spend more sleepless nights to make the bankers and the SHGs to sleep well when they implement the CC limit facility to SHGs. Otherwise, the CC limit facility will turn out to be a Cash and Carry facility with more NPAs at bank level and more suicides at SHG level. Earlier, the regulators step in better for the banks and the SHGs.
[1] Dr S Santhanam, Ph.D (Eco), CAIIB, General Manager (Retd), NABARD and Consultant –Development Finance, Pune.
[2] Source: Status of Microfinance in India 2010-11 by NABARD.
[3] According to NABARD's estimates, number of members per SHG are 13.
7 Comments
Ple. The Microfianance Navprabha CMRC, The CMRC Work is SHG Training, SHG Small Microfianance, Livelhood Activity, Women Imporment, Grossrut Instutition Building,
So Ple. Give the CMRC Funding & Program
Sir, we the NGO (chilkirhat vidyasagar siksha niketan) ,we have complete 3 years audite and activity Report and 12A/80G and also FCRA. we have 3 nursery school ,a free computer centre, and 120 SHG group. sir kindly help us some work.
Grace Jogal
July 2, 2012 at 1:01 pm
Respect Sir? Madum,
We are NGO working in grass root level for empowerment of village women and for village development since 3 years, please guide us about projects, micro finance, rural development programme, training programme .
Sir, let me know, to start 18000 Broiler birds poultry farm in Dharwad Dist, Karnataka. My I get NABARD Loan with subsidy. Please send me the information soon on my e-mail firstname.lastname@example.com\
Anticipating your early replt
Your Sincerely
Grace Jogal,
H.No.5, Rajendra Colony,
1st Cross, Shivaji Layout,
R N Shetty Road, HUBLI – 580024
i am sanjeevkumar bidar my ngo is good any person contact
Iam working within 15 year in garment export house having brif knolwede about every area ,i want to set up asmallscale unit of garment how can i economic helpget
Sir, we the NGO (Society for Human Ability & Right Endeavour, 63, New A.G.Colony, Kadru, Ranchi, Jharkhand) ,we have more then 15 years experience in Social Development with latest audit report and 12A/80G and also FCRA. we have 5 creche centre & process of 4 English medium nursery school going which will going to be opened inf rural areas, and SRI process paddy cultivation besides other natural resource management and SHG formation is continuous process. sir kindly help us some work.
dear sir , we are the member of kaligram gram unnayan samity . our activity is to uplift ment of farmer and women . we need your help . and we need your help for SHG schime .


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How to Perform Analysis of Flow through a Pipe
My project is where there will be a heating element in the form of a rod inside the pipe. Now I will give internet heat generation to the rod and I want to flow the water through the pipe so that it may take away heat.
Actually in my design, I have nozzles at the ends of water, how can I tell ANSYS Mechanical that water enters from one nozzle and leaves from other and takes away heat?
There are various ways you could do this, depending on the degree of accuracy you are looking for...
If you primarily want to study the flow, you could run an actual CFD simulation of the flow. This could be done as just a CFD solution with temperature boundary conditions, or you could get more accurate with a 1 way coupling or even two way coupling in Workbench. If you are planning on solving the fluid volume, the first thing you need to do is extract that fluid volume from the mechanical model. If you are using DM, look up "enclosure" in the help. Once you have that fluid region, you could choose the inlets and outlets, flow rates, etc. I am sure there are tutorials that cover how to extract the fluid model from the mechanical one.
If you are primarily interested in the mechanical side and would prefer to avoid CFD, you can get a rough idea of the behavior with various boundary conditions applied to the FE model. For instance, you could apply a convection coefficient. I am sure you can find more info on how to do this also.
I am able to do the analysis using convection coefficient but the thing I want to go in detail and want to study the water flow patterns plus temperature variations. Also I want to perform the analysis on workbench using Stead-State Thermal and Transient Thermal.
I have already read about enclosures but I don't exactly get how to extract t his fluid volume from the body. Could you please tell me in detail?
This can help http://www.youtube.com/watch?v=Bb8Tsd9eGe4
the first tutorials in designmodeler will walk you through how to generate a fluid domain...
Good luck
But it will just cut out material while in my case I want that water flows through rods which are heating.
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Greg KleistCape Coral, Florida, US
A fresh mature adult voice with a casual, easygoing, informative, intelligent, mature and personable delivery style. Naturally articulate with a sound like a buddy, dad, grandpa, neighbor and teacher.
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North American
Middle Aged, Senior
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Business, Documentaries, Educational, Internet, Radio, Telephone, Television
Recent work has included training video narration for an international biotechnology company, VO on a marketing video for a video production company, and explainer videos. In addition, I've done an audiobook thriller currently for sale on Audible, Amazon and iTunes.
BS, University of Maryland, Government and Politics
Attended Voiceover Mastery 2015 (Fort Myers, Florida)
Several voiceover classes with Edge Studios (New York).
One-on-one voiceover coaching with Bill DeWees (Chicago)
One-on-one coaching with Marc Cashman (Los Angeles)
Neumann TLM-103
Computer & Software
MacBook Pro with Adobe Audition software for recording studio. Dedicated iMac with Adobe Audition for editing.
Special Equipment
WhisperRoom Sound Isolation Booth, Steinberg UR22 interface
Delivery Methods
Via email or link to file in Google Drive or Dropbox; also SourceConnect capable
Turnaround Time
Normally 24-48 hours Monday-Friday (except for larger jobs), and possibly on weekends.
Service Description
I am a full-time voice talent able to produce professional-level audio. I can usually provide audio within 24-48 hours during the work week, depending on length of project, and sometimes on weekends. I can connect to your studio with high-quality audio via Source-Connect. Clients can direct me in my booth, if desired, via Skype or by phone via Google voice. In both cases (as with Source-Connect) the client can hear me speaking into my booth microphone, while I can hear the client in my headphones.
We had created our first online video commercial advertising our networking video package and had made a last minute decision to bring in a voice artist to really punch up our video with a powerful, friendly yet authoritative male voice. In came Greg, and we were blown away with his work. He was very responsive and great to collaborate with. We were really wowed with how quickly he created the voice over work so that we were able to stick to our timeline with our release day. A real joy to work with and look forward to our next project with Greg. Did we mentioned he has one heck of a sense of humor? :)Sha La La La Productions
I knew from the moment I listened to Greg Kleist's audtion that he was the right person to narrate and produce the audiobook version of my novel, Blood in the Streets. From his pacing to his ability to accurately pronounce the variety of non-English names and locations in my manuscript, Greg delivered every time. I hope for the opportunity to work with Greg again in the future.Aaron Cooke, Author, "Blood in the Streets"
Voice Over Clients
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Hire Greg as a voice actor. Payment is made through Voices.com SurePay, an escrow service that guarantees your work is done to your satisfaction. Send payment securely by Visa, Mastercard or PayPal through Voices.com then download your files from the website.
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Next Steps
To contact Greg Kleist about your project, request a quote today. We'll walk you through the process step-by-step. It's fast and easy.


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sgabor Review
Ok but not great
I was under the impression that this piece was real leather and that the legs would have a cherry finish. It is bi-cast? and is all black.
- How did the color on site compare with the actual product? The legs are actually black. The description said Dark Cherry.
- How accurate was the on site description of the product? the title says "Leather" but it is actually not real leather
Was This Review Helpful?


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California mother of two Sherri Papini, who claims she was kidnapped for almost a month and brutally tortured, has returned to her Redding home.
After she was found following the kidnapping in November, she and her family left Redding to spend time away from the media.
But yesterday Papini was spotted back at her house, walking outside to fill a container with water. Reports say she looked thinner and was hiding her blonde hair. Her husband Keith claimed the kidnappers chopped off her hair in an interview with 20/20 while the woman who found Sherri on the side of the road after her kidnapping claims she still had her long hair.
MORE: Everything We Know So Far About the Supposed Abduction of Sherri Papini
Because of the strange nature of the kidnapping, the Internet is full of theories that Papini staged the entire thing for attention. Many elements of the case were unusual. For one the kidnappers were two Hispanic woman and their target was a middle-aged woman. The kidnappers never asked for ransom and apparently just let her go after starving, torturing and branding her. People rarely survive after being kidnapped for so long.
The Shasta County Sheriff's office was forced to deny allegations that the kidnapping was a hoax after a lone officer leaked a suggestion that Papini manufactured the crime.
Some speculate that the kidnapping was human trafficking related because of the branding, but middle-aged women are almost never abducted for the purpose of human trafficking.
The Papinis were also the recipients of a $50,000 GoFundMe campaign.
There were a number of other factors and rumors that cast doubt on the Papinis' story that Heat Street wrote about last month.
The latest and most compelling theory making the rounds on the Sherri Papini subreddit pertains to a Mercari account that appears to belong to Papini. Mercari is an online shopping website where users can sell items. It appears that items for sale on Papini's account were updated while she was supposedly kidnapped.
The theory alleges she listed seven items for sale on November 21, three days before she was found on the side of the road. It has not been confirmed whether the account actually belongs to Sherri Papini, and it has since been deleted.
"There is no expiration, auto-renewal feature or any automatic listing option, she would have had to individually post each listing at that time (annoying if you trying to post a lot at once)," one Redditor wrote responding to the theory. "Could it have been Keith trying to sell stuff?"
Another Redditor apparently reported the finding to the Shasta County Sheriff's Office and got a response.
"We are aware of the account activity and the activity has been accounted for," the email read.
Does that mean Keith was updating his wife's sale items while he thought she was kidnapped or possibly dead? Or was the activity simply automatic?
As of yet, the sheriff's office has not made any arrests related to the kidnapping.


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-- Margie M. Harris was named Vice President -- Human Resources.
-- Kregg Olson was promoted to Senior Vice President Corporate Reservoir Engineering.
Harris has held leadership positions at several large firms. As executive vice president, she established the human resources group at Texas Genco, a wholesale power generation company. She also headed the human resources groups at Integrated Electrical Services and Santa Fe Snyder, an independent oil and gas producer. Harris was a lead consultant at Hewitt Associates; worked as financial controller for the international division of Continental Airlines; and started her professional career as a landman at Shell Oil Co. She holds a bachelor's degree from the Ohio State University and an MBA from the University of St. Thomas.
Olson joined Apache in 1992, serving in various positions of increasing responsibility in corporate reservoir engineering. He has been vice president -- corporate reservoir engineering, since 2004. Olson previously was associated with Grace Petroleum. He holds a bachelor's degree in petroleum engineering from Texas A&M University and is a registered professional engineer and a member of the Society of Petroleum Engineers.
Apache Corporation is a large oil and gas independent with operations in the United States, Canada, the United Kingdom North Sea, Egypt, Australia and Argentina.
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And, in a related story . . .
Even on mostly liberal college campuses, the arguments against Mr. Obama have become more common. "The other day, they were blaring Rush Limbaugh in the breezeway," . . . "People were infatuated in 2008," said Maddy Joseph, 20, a member of the group. "The reality has set in, and that's frustrating for a lot of people."
More here. I'll be discussing a related thought in a long promised and upcoming post: History & Politics - Grading Academics


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Nan Sullivan's Profile
I love stuff. My favorite thing to do is walk the antique stores and just look and touch and enjoy all the stuff. As a child my mother would take us to the local land fill for a scavenger hunt. We would run around and find some truly amazing things - and some not so amazing too. My mother taught me how to take someones trash and make it into your treasure. Thanks Mom...
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Jobs In North Dakota
September 5, 2011 by USA Post
Jobs In North Dakota, There are plenty of envious North Dakota is on this day. Here was an Aug. 19 headline in the New York Times website. "North Dakota Miracle" And then, just three days later, he, also on site Times: "The happier the United States of America. Dakota North on the rise "
Happiness is generally low in most of the United States. Unless you are a hedge fund manager or CEO of a Fortune 500 company, the statement has been widely reported that the Great Recession officially "ended" two years ago, it seems a cruel joke. In most states, unemployment remains near record highs, home values?? Are low and state budgets are in disarray.
However, in North Dakota that the recession lasted almost as long as a thaw in January. Unemployment "surged" to 4.3 percent during some months in 2009 before sinking back to 3.3 percent.
What makes this even more remarkable is that the decline has occurred even as thousands of people are investing in the state in search of work, and to find it. Nonfarm payrolls rose 5 percent last year, also the biggest breakthrough in the country.
What is the occasional swarm of locusts, or the annual flood of 100 years, compared with this litany of good news?
- The economy of North Dakota grew 7.1 percent in 2010, the fastest in the country. Only one state, New York, saw an increase in gross domestic product by up to 5 percent.
- Personal income in North Dakota rose 6.9 percent during the first three months of 2011. No state saw personal income grow faster than 2.6 percent, and Minnesota went a meager 1.6 percent.
- Household debt can weigh on consumer spending everywhere but North Dakota has the second credit debt lower card and the lowest percentage of homeowners who are 60 days late on your mortgage.
- Housing prices continue to fall in most states, but in North Dakota are growing faster than anywhere else, even when distressed sales calls are included in the calculation, according to consultancy CoreLogic. When distressed properties are excluded, prices of homes in North Dakota rose 5.6 percent in June from the previous year.
- The budget deficit, cut services and increased taxes have been the norm throughout the country over the past three years, states are rushing to offset the revenue shortfall. Not in North Dakota. Investments in education, health and human services, environment and transport will increase total state spending by 12.5 percent or 1.1 billion, and during the next biennium.
North Dakota is now the fourth largest oil producer largest in the United States. The number of people working in the oil industry has tripled since 2007, more than 16,000, and the growth of jobs since then, can be almost completely corresponds to the state oil industry.
According to the North Dakota Petroleum taxes on oil production and extraction and brought 750 million in revenue. In addition, the industry spent $ 1.49 billion and taxable sales and purchases. The state tax department said that "each increase and or decrease in the price of oil revenues by the impact of the state and 9.3 million gross a year."
North Dakota is wise salt of this sort of distance, the creation of budget reserves and an emergency fund that can take as long as the end the good times. What happened during the oil crisis of the 1980s and briefly in 2008 when hundreds of platforms were silent in the wake of the financial crisis and the reduction of oil prices?
Until or unless that happens, go ahead and join the good fortune of North Dakota to pure luck.
Still, no luck certainly wins.
Please feel free to send if you have any questions regarding this post , you can contact on
Disclaimer: The views expressed on this site are that of the authors and not necessarily that of U.S.S.POST.


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Does Frii Designs offer discounts to military families and veterans?
Does Frii Designs give discounts to veterans? What special promotions or coupons are available to military veterans and military families at Frii Designs? Does Frii Designs have a military discounts webpage or website?
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My car will not start but the lights come on and the radio still plays and the battery is new what could the problem be?
i drove over caked snow while trying to turn, the car could to back up because of the ice of the ground.After three atepts, the car could not start again ,but all the light are on and the radia still pray. Car: 2005 Toyota corolla
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If you have installed a new car battery and alternator but after only 2-3 days the car is not starting again what could be the problem?
I have a jeep grand Cherokee and when mine doesn't start i either have to jam the shifter forward than start OR while foot is on the brake, turn the key and hold, than shift i…nto neutral, than it will start shift to drive... or reverse and off you go Warranty What did your mechanic say? I am sure he would warranty the job. If you had him trouble shoot it and you "saved" yourself money by doing it yourself, you may have shot yourself in the foot. If the alternater or battery were "economy" types, they might be bad from the beginning. Another thought after the electrical (charging system) is checked. check for a parasitic draw. Draw down I don't know what car you have but on most cars, when the starter is failing, when you crank the car and run it and shut it off, the terminals or posts continue to receive electricity from the battery, meaning that either the starter solenoid is malfunctioning or somewhere along the battery cables, something is draining the battery, check for a stripped wire or have the starter checked, if you have any more questions, Bad alternator a bad alternator that has drained the battery Bad Belt When I got a new alternator, I had to buy a new battery. However, the battery kept dying no matter if I kept recharging the battery. I was having the same problems. The car drove good for a day then died again. Found out, the belt was about to break and never was on tightly around the alternator. The belt was not giving the alternator enough power and therefore, the alternator was draining my battery. You should try replacing your belt or the timing belt. After you replace your timing belt and it is on tight and the timing is right, then you should not have any more problems and your car should drive like new! BAD WIRE Only thing that worked for me was to hook up a wire from the back of the alternator (there's a small terminal on the back), then hook up the other end to the positive battery cable (any which way at the post). This is actually to see if the wire that runs a charge from the alternator to the battery is still good. It is usually running attached to the positive battery cable itself. When it is bad, your car will not start because the battery is not being recharged properly. A hard thing to determine otherwise because it is not the alternator or the battery themselves. WORN STARTER MOTOR a worn starter motor can drain a battery in a few days especially if the main ignition wire that's connected to the starter motor is not tight enough or the starter motor solenoid is at fault again it will cause a continual drain on your battery I know because it happend to me with my ford mondeo 1.8 TD new battery fitted. I'm not sure what car you have, new cars are sometimes a sensor while older cars are alot easier to figure out. I would first take the car or the parts to a part store and have them tested. You can always get ahold of a bad batch of either. I had to replace my alternator 4 times and then go to another part store all together before I got a good alternator for it. You could have loose battery cables. If you are able to move the cables by hand then you need to tighten them down this could also make the battery and alternator go bad due to drawing to much juice out of them or even driving down the road and hit a bump then you are broke down on the road. But first have them tested and take it from there checking little things before moving to more expensive parts and harder to install sometimes when alternators go bad they blow a fuse if not changed you can put 20 alternators in must make sure you first have 13.8 - 14.1 volts while car is running
What could be the problem if your car will not start after running on a brand new battery after a month?
%REPLIES% Answer The alternator probably isn't putting out properly. Go to AutoZone and have them check the alternator. Answer If the new battery …went completely dead, and you know the alternator is good, the culprit could be a "slow draw". This would be caused by a trunk light that stays on when the trunk is closed, a vanity mirror light, glove compartment light, console light; something that you assume goes out when it's closed, but doesn't. Check all of your courtesy light switches in these places to make sure they make proper contact. A glove compartment or console door that doesn't close properly could be the culprit. Until you find the problem, disconnect your battery when you're in for the night! If you can't resolve it on your own, find a shop that has a low amps probe. It'll determine where the draw is coming from.
If you have a fully charged battery but when you turn the key there is no response at all but the dash lights and radio come on could you have starter problem?
1 . Your battery terminal connections loose ( broken , look for cracks ) 2 . Automatic transmission not in park / neutral . Clutch not all the way to floor 3 . Starter solen…oid faulty 4 . Ignition switch faulty 5 . Engine seized ? 6 . Starter motor solenoid faulty ( turn key do you hear a click sound ) 7 . If yes it could be your starter motor 8 . If NO itcould be starter relay Buy your self a Haynes Repair Manual for your make of veh / year The Troubleshooting section is well worth reading for this type of problem
You have a 2001 Dodge Intrepid the battery light is coming on in the morning when you start the car then goes off after you stop and turn the car off and restart has a new battery alternator and start?
I have 2002 intrepid that does the same thing this week the light came on and does not go off volt meter shows 14. volts while the light is on. put a new battry on didno…t help.
Your car wont start when turning the ignition you hear a clicking sound The radio and lights come on The starter and battery are about 2 months old what do you think?
Did you buy the battery from new or was it a spare? Clicking sound when trying to turn key in ignition is usually low battery. The radio and lights may still work for a few… minutes if there is enough charge left but the engine wont turn over. Turn off all lights, alarm and radio - wait 20minutes and try to turn engine over. Or failing that do what I've said below: Get someone to jump start your car with jumper leads. Once its running, drive your car around for half hour to one hour to re-charge battery. If fault isn't with battery then it could be alternator or spark plugs. Dodgy spark plugs can cause the car not to start. You probably have a loose connection or corrosion. Clean battery terminals and ends of wires. try the starter solenoid Make sure your battery posts are clean and the cable connectors are clean & tight. If this is not problem don't have another answer. ANSWER You might have to replace the ignition swith.
The battery light comes on when the car starts 1990 Toyota Celica If the battery is left connected it will be discharged in a few days What can be the problem?
Answer If the battery light is on, it usually means that the alternator has a problem. Have the alternator checked at a local auto parts retailer. If one or more… of the diodes are bad, your battery charge will be affected.
You own a 2002 Ford Escape and your battery light stays on for approx 5 min after you start the car you just put a new battery in What is the problem?
I had the same problem with my 2002 Escape XLT. Another website suggested (and it worked for me) to check the coolant overflow reservoir. Apparently the signal for "low …coolant" shows up as "check battery".
Battery light comes on when you try to start car?
Answer If the battery light comes on when you try to start your car, either your battery is low or your alternator is going bad. These can be checked by going to …an Advance Auto or Auto Zone, they will test it for you for free.
If your car does not start but all the lights and radio come on and it starts after a jump what happened?
1. Battery could have a weak cell. 2. Brushes on starter motor may be worn. 3. check battery connection at battery for good connection. 4. either positive or negitive b…attery cable broken at connector. 5. starter solenoid not working and allowing starter to spin engine over to start. 6. loose 12volt wire at secondary connector on starter solenoid. 7. bad or weak 12volt fusable link to ignition system.
What could be wrong if you installed a new battery but the car will not start?
No modern vehicle with electronic systems will be able to start if you have fitted the battery the wrong way round - i.e. it should not have its positive terminal connected to… the car's chassis and its negative teminal connected to the main 12 volt terminals on the starter and fuse box - so it is worth making certain that you know exactly which post on the battery is positive and which is negative and which cables have to be connected to each post. Assuming the engine usually started reliably before the battery failed and that you made sure the new battery was fully charged-up before before you installed it - and that the battery has been fitted the right way round - then bad connections are the most likely reason the engine won't start. Safety Advice To avoid getting accidental sparks or bad shorts, which could easily melt your tools as well as give you a nasty burn - or even start a very dangerous situation if ever the battery's leads catch on fire - it is highly recommended that you fully disconnect both sets of leads from the + and - battery posts before you disconnect and re-connect any other leads elsewhere around the engine. The next thing to do is: undo, clean and re-connect tightly all the terminal posts and terminal eyes for the ground leads you can see connected between the battery, the starter motor and the car's firewall and frame/chassis. Then clean and re-connect the leads to the battery posts. If the engine still won't start, again fully-disconnect both sets of leads from the + and - battery posts and undo, clean and re-connect tightly all the other (non-grounded) terminal posts and terminal eye connections for all the other leads going between the battery and the starter and all other ignition and injection devices around the engine. Then once again clean and re-connect the leads to the battery posts. If all those connections are definitely good - cleaned and tightened - but the car still won't start: if the starter motor is definitely turning: either the fuse feeding the spark-ignition system has blown or, if that fuse is ok: there could be problems with the spark-ignition system (ignition coil and/or electronics) if it is a gas/petrol engine OR either the fuse feeding the fuel injection management system has blown or, if that fuse is ok: there could be problems with the fuel injection management system (e.g. for a diesel engine or a gas/petrol engine having fuel injectors and no carburettor) or there could be problems with the engine control/management unit (ECU) if the starter motor is not turning: either (if you don't get any "clicks" from the starter motor's solenoid) the fuse feeding the starter solenoid has blown and needs to be replaced or, if that fuse is ok: (if you only get "clicks" from the starter motor's solenoid) the starter motor and/or its solenoid may need to be repaired or replaced.
You are having the problem with your 98 Plymouth breeze 2.0 l the car wont start and the lights and radio and all that come on you had the starter tested and it is still good what could be the problem?
Check to see if your fuel pump is good. Buy starting fuild and spary some in the hose that's attached to your air fliter spary it towards the engine. Have someone turn the key… while you spray and see if the car turns on. If so then you need a new fuel pump. If not It could also be you ignition coil. - Goodluck Second opinion I had a different car where the fuse burned out in the engine compartment. It would not even try to start until I replaced that fuse.
I have put in a new battery but truck won't start and alarm light flashes. What could be the problem?
I may be wrong but it sounds like your alarm is the problem. This happened to my brother's van(Astro). The built-in cutoff switch in his alarm was preventing the van fro…m starting. It may be possible to disconnect the alarm system and try to start it. That's what my brother did and it worked.
You have to jump start your car everyday installed a new battery and alternator what could be the problem?
You should have a heavy red wire going to the back of the alternator, it should have 12 volts, it will excite the alternator, thus allowing it to charge your battery. If the d…oesn't have 12 volt, trace the wire, I believe that it will end at the starter. If you have 12 volts at this wire, most likely you have a fusable link that's shorted out at the starter. Look for a wire at the starter that appears burnt, or wiggle the wires one at a time, you'll find on that feels like a plain rubberband, with no resistance while wiggling.
Why does the brake and battery light come on at same time then car dies then wont start without new or charged battery?
sounds like you have an alternator that is not charging the battery. Most computer systems in cars require a min of 11.2-11.6 volts to function. The brake light is probably al…so the warning light for ABS and requires power to the motor (ABS) and if the ABS computer doesnt sense the correct voltage it will set a light
In Alternators
Brand new car battery battery light still on why?
Then the alternator needs to be looked at asap But I even took the cable off alternator and car stayed on which meet alternator in good right? Edit: If you took the cable off …the alternator, then you disconnected the alternator so you didn't test the alternator at all. As a quick test only, removing the positive battery cable at the battery and the engine stays running means the alternator is charging. Do not run the engine more than a few seconds like this, and even then a voltage spike can wipe out your car's electronics. Much better to get a charging system tester to check things or at least borrow a voltmeter.
What could it be if a car does not start and the battery is new?
Maybe the starter. Does it click when you turn on the ignition? Yes and also check to see if you are getting spark and there could also be a fuel delivery problem.
What could problem be brake lights come on when no one is in car and battery goes dead?
Unwanted Brake Light Activation Usually this is caused by the brake light SWITCH being out of adjustment in relation to the brake pedal arm which pushes on a plunger in the …switch to operate it. Different makes and models of vehicles have different means of mounting and adjusting the brake light switches, so the adjustment will depend on your vehicle.


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Guernsey 35 Amersham & Chiltern 15
Saturday was a difficult day for the travelling team. Fog caused delays at Gatwick Airport early on Saturday morning, resulting in a very late arrival in Guernsey. Playing time was therefore reduced to 35 minutes each way and half-time to five minutes.
Guernsey started the match strongly. Their pack clearly dominated the set piece which put Chiltern under severe pressure and induced a number of errors, each of which were punished by a try. Despite a successful penalty kick by Andy Fluker, Chiltern looked a poor second best, down 21-3 at half time.
A much better performance from Chiltern in the second half, cheered on by a small but vociferous group of travelling supporters, was rewarded with two tries. Substitute Dave John, stepping in from the wing, went under the posts and, minutes later, Chris Jack drove over the line following a sustained period of pressure.
At 28-15, Chiltern had clawed their way back into the contest, helped by the referee dispensing two yellow cards to Guernsey in quick succession. Playing against 13, the momentum clearly swung to Chiltern and, had they managed to score again, the game would have been in the balance.
A loose ball, however, dropped on our 22, and Guernsey ran under the posts to relieve the pressure and make the final score 35-15. Work to do in our set piece, but some great spells of open rugby to cheer spectators and players alike, and Chiltern can hold their heads high after a spirited performance.


text: "Clearly the economics of this situation dictate that Sea Bright is not worthy of salvation, although politics and other considerations may decide otherwise," the study asserted. "The prudent management alternative in this community would be the gradual removal or relocation of the buildings."Talking about post-storm retreat is one thing; actually doing it has proven much harder. After Hurricane Katrina inundated New Orleans in 2005, there was talk of abandoning some of the most flood-prone areas. But a proposal from a storm panel excluded the hard-hit Lower 9th Ward and New Orleans East, a neighborhood long home to affluent and upper-middle-class black families, touching off an uproar that scuttled the plan. More than seven years later, much of New Orleans is thriving: unemployment is relatively low, the tourism industry is healthy, the city is preparing to host a Super Bowl, and no neighborhood has been abandoned. But not everyone has come back. As of July 2011, the Census Bureau estimated New Orleans' population at 360,740, less than three-quarters its population in 2000. In the Lower 9th Ward, vacant lots and abandoned homes dominate the landscape, and four out of five residents who lived there before the storm have left. The question of whether to rebuild or retreat touches many East Coast communities. Westerly, R.I. recently got $1.1 million in federal money to buy eight low-lying properties near the Pawcatuck River that are frequently flooded. In North Carolina, some have called for deserting Highway 12 â¿¿ the only land link between Hatteras Island and the mainland â¿¿ in favor of a ferry system after Hurricane Irene and Sandy caused $14 million in damages. A state panel in Delaware found few affordable options as it considered what to do about seven Delaware Bay communities threatened by storms and rising sea levels. Sea Bright is requiring homeowners to raise their rebuilt properties higher â¿¿ as much as 17 feet above sea level in some cases â¿¿ if they want to qualify for federal flood insurance.


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Bangalore: Matthew Hayden and Phil Jaques struck half-centuries as Australia cruised to 158/0 in reply to India's 526 at lunch on day three of their fourth and final Test at Adelaide Oval on Saturday.
Resuming at the overnight score of 62/0, Aussie openers added 96 off 30 overs in the first session. Hayden made a strokeful 86* while Jaques a sedate 59 were at the crease.
The pair had shared the strike almost equally, with Jaques facing 153 balls and hitting three fours and Hayden facing 156 balls and getting eight fours and a six - a towering on-drive off Anil Kumble.
Hayden was closing in on his 30th century in 94 Tests. His series aggregate was 307 before this innings - 124 and 47 in Melbourne and 13 and 123 in Sydney. He missed the Perth Test with a strained hamstring.
Jaques' half-century was timely after his double failure (eight and 16) in Perth. He made 66 and 51 in Melbourne and 0 and 42 in Sydney.
Tourist sorely missed their ace paceman RP, who is down with hamstring strain.
The Hayden-Jaques partnership was the highest for the first wicket in nine Australia-India Tests at the Adelaide Oval.
The previous best was 99 by Bob Simpson and Bill Lawry in 1967-68 (and India's best remains the 95 scored by Sunil Gavaskar and Krishnamachari Srikkanth in 1986-86).
However the highest opening stand for India-Australia Test is 217 by David Boon and Geoff Marsh in Sydney in 1985-86.
The Australian and Indian players lined up on the ground before play started for a brief ceremony to mark Australia Day and Indian Republic Day.
Brief Scores (at lunch, D-3):
India Ist innings 526 all out (Tendulkar 153, Kumble 87, Harbhajan 63, Sehwag 63, Laxman 51; Johnson 4 for 126, Lee 3 for 101) Vs Australia 158/0 (Hayden 86 n o, Jaques 59 n o).


text:
heidi jones
Why did "Good Morning America" weather woman Heidi Jones lie about an attempted sexual assault in Central Park? Because she wanted the attention.
Jones had claimed she'd been…
NYC Weatherwoman Admits Lying About Attempted Sexual Assault
A New York City weatherwoman who has appeared on "Good Morning America" has confessed to lying to police about an attempted sexual assault. This November, Heidi Jones, 37, of WABC-TV…


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Question about 2002 Toyota Highlander
MyV6 highlander has 70,000 miles and never given me a problem in the 10 months I have had it.
The following is the sequence of events-strange.
I left my 10 yr old grandaughter sitting in the parked car with the ign key in the accessory position and radio on. After 10 minutes she left the car and brought me the keys-I was sitting in the shade around a corner about 40 feet away.
After a few minutes she asked what would happen if I pressed the panic button on the remote. I pressed it to show her as we approached the car. However, the horn did not blow and lights did not flash, but when I was 20 ft from the car I heard the condenser fan running, and when I reached the car, realized the the engine was running! I put the key in the ignition, and turned it to accessory position - engine still ran, then turned of the key to lock position - engine still ran. Then I turned to start position which caused the starter pinion to hit the flywheel and then turned back to the off
position. Engine turned off and has been running fine ever since(2 days). Panic device appears to operate normally.
??????? On board computer???????
Posted by pjblakey on
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- Doctors
- California
- Riverside
- Family Doctors
- Dr. Deserae J. Goble
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Ratings for Dr. Deserae J. Goble
Outstanding physician, and I sense, person. In my experience with Dr. Goble, she displayed very conscientious behavior and ethics. Strongly encourage her for Family Practice issues and concerns.
Good listener. Glad to have my daughters go to her. Very good memory about details about our health problems. Very satisfied.
I went to see Dr. Goble after moving here, she pretty much treated me the same as the guy who went to see her regarding pain. A good doctor would help you no matter what, not dump you. It seems Cache Valley people have a problem so all the doctors are scared to help you if you take pain meds.
She is amazing! She doesn't beat around the bush which I love in a Doctor. I will continue to have Dr. Goble as my doctor
She is wonderful to listen to me and take what I have to say seriously. She does not talk down to you or talk at you.
I went to see Dr Goble because I had a pain in my back. Other doctors said I just had IBS. But my symptoms didn't fit the symptoms of IBS and I was really frustrated. When I went to Dr Goble's office she listened to all my concerns and what I thought was wrong. She ran a lot of tests and didn't just diagnose something without proof. She ultimately diagnosed me with PCOS, started my treatment, and my pain and other symptoms are gone or are being addressed. She was a very attentive doctor, she listened to all my concerns and didn't disregard anything that I said. But she was honest and made sure that I understood that my condition was up to me to fix, medications wouldn't do everything for me. I will continue to see her and I would recommend her to anyone.
I I recently moved to Utah from California and I was looking for a Doctor to help me with my degenerative bone (and bulging discs) disease. I have been taking Methadone for back pain (as was prescribed by the Kaiser pain clinic nearest to my home in California) for the better part of five years. The Methadone was prescribed because I am allergic to certain Morphine related medication. When I asked Dr. Goble (whom I hoped would help me) she said that I was an addict I should go to the nearest methadone clinic and get off the medication even though I do not ever take more then is prescribed, in fact, often less. When I asked her what would she prescribe to control my pain she said nothing " many people live with pain" When I explained to her that an addict is one who takes more and more of a drug to get high not the prescribed amount to control pain she got up and left the room refusing to help me further.
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Cameron-Cole has established strategic teaming agreements to provide a broader reach of services. We can also bring a team of experts in assessment, insurance, medical counsel and legal counsel, if necessary, to address the full spectrum of a client's needs, such as policy development, liability assessment, and expert testimony.
Platt Anderson Freeman Architects
Cameron-Cole partners with Platt Anderson Freeman Architects (PAF) to provide the detailed architectural specifications offered under Cameron-Cole's Sustainable Structures program. Based in Boston, Massachusetts, PAF is an award-winning architecture design firm that is a member of the American Institute of Architecture (AIA) and whose principal is LEED® AP certified. Areas of expertise include: environmentally sustainable "green" design, adaptive reuse of older buildings, historic preservation, construction in sensitive environments, and managing the public approval process. www.pafaa.com
WSource Group LLC
In September 2009, Cameron-Cole acquired an equity interest in WSource Group LLC, a national water resources development company with offices in Pensacola, Florida, and Big Timber, Montana. The firm is in the business of discovering, analyzing, and acquiring water resources-related assets, as well as providing water resources and water rights development, management, monitoring, conservation, and water footprint analyses services. www.wsourcegroup.com
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|Next book >>
A Slice of Murder(2009)
(The first book in the Pizza Mystery series)
A novel by Chris Cavender
|"A Slice of Murder is a delightful new mystery that I thoroughly enjoyed. A deliciously satisfying read."
Earlene Fowler
|"A Slice of Murder is as warm and satisfying as a pizza straight from the oven. It's got all the ingredients of a terrific read: A nifty mystery, an engaging pizza-slinging heroine, and a truly nail-biting climax. I can't wait for seconds!"
Laura Levine
Not too much happens in the sleepy little town of Timber Ridge, North Carolina - which is fine with pizza-purveyor extraordinaire Eleanor Swift. The spunky owner of A Slice of Delight is trying to mend her broken heart and could use a little quiet time. But when a late night delivery customer turns up dead, she's in for just the opposite in this delicious mystery series debut, featuring pizza as the prima character...Eleanor figures somebody must have been really mad at Richard Olsen to bury that kitchen knife in his chest. But when Kevin Hurley - her ex-boyfriend and Timber Ridge's police chief - starts eyeing her as a prime suspect, Eleanor knows she better get to the bottom of things before the gossipy townspeople decide to stop ordering her specialty pies. With her sassy and occasionally married sister Maddy by her side, Eleanor finds the list of suspects begins to outnumber the ingredients on the Slice's famed Smorgasbord Special pizza. Like Richard's eccentric sister, who appears out of nowhere to learn she's the heir to $100 grand...in what looks like dirty money. Richard worked for a shredding business - and it seems he read before he shred, and very well could've been a blackmailer. What about Richard's boss, who now stands to lose his shredding company? And then there's that steamy scented letter from none other than the mayor's wife. But when someone takes a shot at Eleanor on a late-night delivery run, she and Maddy know time is running out. To find the killer - and keep the pizzas rolling out of A Slice of Delight's ovens - she'll need to put it all one the line and hope that her search for the truth doesn't end in an unmarked grave.
Genre: Mystery
Genre: Mystery
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Used availability for Chris Cavender's A Slice of Murder
See all available used copies of this book at Abebooks UK or Abebooks US
Hardback Editions
June 2010 : UK Hardback
|Title: A Slice of Murder
Author(s): Chris Cavender
ISBN: 1-4084-7730-0 / 978-1-4084-7730-4 (UK edition)
Publisher: Chivers
Availability: Amazon Amazon UK Amazon CA
December 2009 : USA Hardback
|Title: A Slice of Murder (Thorndike Mystery)
Author(s): Chris Cavender
ISBN: 1-4104-2074-4 / 978-1-4104-2074-9 (USA edition)
Publisher: Thorndike Press
Availability: Amazon Amazon UK Amazon CA
August 2009 : USA Hardback
|Title: A Slice of Murder
Author(s): Chris Cavender
ISBN: 0-7582-2948-8 / 978-0-7582-2948-9 (USA edition)
Publisher: Kensington
Availability: Amazon Amazon UK Amazon CA
Paperback Editions
November 2010 : UK Paperback
|Title: A Slice of Murder
Author(s): Chris Cavender
ISBN: 1-4084-7731-9 / 978-1-4084-7731-1 (UK edition)
Publisher: Camden
Availability: Amazon Amazon UK Amazon CA
July 2010 : USA Mass Market Paperback
|Title: A Slice of Murder (Pizza Lover's Mysteries)
Author(s): Chris Cavender
ISBN: 0-7582-2949-6 / 978-0-7582-2949-6 (USA edition)
Publisher: Kensington
Availability: Amazon Amazon UK Amazon CA
Kindle Editions
June 2010 : USA, Canada, UK Kindle edition
|Title: A Slice of Murder (Pizza Lover's Mystery Book 1)
Author(s): Chris Cavender
Publisher: Kensington
Availability: Amazon Amazon UK Amazon CA
Genre Pages


text: To get from Noci to Trecate by train you can catch one of the 8 trains that everyday travel between these two cities. The first train to Trecate leaves from Noci at 07:10 and the last train departs at 20:38. The trip by train from Noci to Trecate last on average 05:35 travelling with high-speed trains (Frecciarossa or Italotreno) If you choose a local train the trip lasts on average 09:12 hours. For your trip from Noci to Trecate by train you can choose to leave from one of Noci main stations: Gioia del Colle, Salerno On Wanderio you can compare all schedules, fares and railway companies to Trecate and book the best itinerary starting from Noci.


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The Cave Serpent is a long Elasmosaurus-like creature that has the ability to constrict its prey like a snake. It serves as an antagonist in the 1933 King Kong film.
When Kong reached to the watery canyon, a Cave Serpent went after Ann to eat her, but Kong was able to stop it, but the Serpent uses its constricting ability to kill him. Kong slams the Cave Serpent and the creature was killed instantly.
- The Cave Serpent is somehow known as Tanystropheus.
- In the colorized version, the Cave Serpent is green.


text:
(The Hosting News) – Titan Internet Limited, a leading UK managed server hosting company and certified Microsoft Partner, has today announced the launch of a range of four hosting packages especially designed to support WebMatrix.
WebMatrix is the latest all–inclusive web development tool from Microsoft that includes everything needed for easy website development. It gives end users the ability to create and publish websites using open source web applications, built-in web templates or basic self coding.
Titan was selected as one of Microsoft's exclusive group of launch partners and is one of the few hosting companies to offer specialist packages for the software. Each Titan WebMatrix package has been afforded 'Spotlight' status by Microsoft, which guarantees that each one has been created and released using Microsoft best practice guidelines.
Titan's four packages allow customers to easily match their hosting requirements to suit both their WebMatrix publishing tools and their budget. Prices start at £50.00 per annum for the Starter package and rise to £500.00 per annum for the Enterprise hosting pack. Once a customer is ready to publish their web content, they simply select Titan as their web host. To celebrate the launch of WebMatrix, Titan is offering a discount of 30 per cent for every new package sold until the end of February 2011.
Lee Christie, Director, Titan, stated: "We are delighted to be offering these specially designed packages to support the launch of WebMatrix. Publishing content is just one half of the story. Ensuring that it is easily found, loads quickly, is secure and is always available is the other half. Which is why each Titan WebMatrix package is deployed on fast servers, and includes secure hardware firewalling, 24 x 7 server monitoring, daily backups and premium bandwidth as standard. We also have a full team of Microsoft Certified Professionals on hand to ensure that our customers are fully supported at all times."
Lee added:"As a Gold Partner, we've been working with Microsoft on the launch of these packages since the beta launch of the WebMatrix software and we believe that we have one of the most compelling offerings available in the hosting marketplace today. By combining the features of WebMatrix with our decade of Windows hosting experience we can guarantee our customers that getting content published in the cloud has never been easier."


text:
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In the world envisioned by science author Janine Benyus, a locust's ability to avoid collision within a roiling cloud of its brethren informs the design of a crash-resistant car; a self-cleaning leaf inspires a new kind of paint, one that dries in a pattern that enables simple rainwater to wash away dirt; and organisms capable of living without water open the way for vaccines that maintain potency even without refrigeration -- a hurdle that can prevent life-saving drugs from reaching disease-torn communities. Most important, these cool tools from nature pull off their tricks while still managing to preserve the environment that sustains them, a life-or-death lesson that humankind is in need of learning.
As a champion of biomimicry, Benyus has become one of the most important voices in a new wave of designers and engineers inspired by nature. Her most recent project, AskNature, explores what happens if we think of nature by function and looks at what organisms can teach us about design.
If you need translations, you can install "Google Translate" extension into your Chrome Browser.
Furthermore, you can change playback rate by installing "Video Speed Controller" extension.
Data provided by TED.
This website is owned and operated by Tokyo English Network.
The developer's blog is here.


text:
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For over a decade Totaljobs has been one of the UK's biggest sites for finding jobs online. We help connect jobseekers and recruiters in every region and sector.


text:
Melbourne, Aug 22 : Michael Phelps was first linked to US swimmer Amanda Beard and English model Lily Donaldson and now a new name is making waves in the media for getting cozy with the iconic Olympian -Stephanie Rice.
Rumours are abuzz that the Phelps has been partying with Rice since his record-breaking gold medal feats, reports the Daily Telegraph.
When a shirtless Phelps got friendly with Rice at a promotion, it set tongues wagging.
Aussie swimming insiders said that the pair was very close at a party organised by Ian Thorpe.
And blogging sites are carrying pictures of Phelps cosying up to a dark-haired woman with comments hinting it is Rice.
Meanwhile, Beard has denied that she is dating Phelps saying, "Eww, that's nasty. I have never, ever hooked up with Michael Phelps," Beard told a radio station in Phoenix yesterday.
"Come on, I have really good taste. He's really not my type. We don't even talk to each other," she said.
Phelps was equally emphatic in his denial. "I'm not dating Amanda Beard. I think she has a boyfriend."
Asked if he's dating anyone, Phelps said, "Part of my life is kept to myself. I'm able to relax and be with my friends. Those pretty much are the only people who really know the answer to that."


text:
DLI's Drycleaning Blog
Caption: The chemically weakened underarm areas came apart during laundering.
Q: After laundering I am noticing weak
areas and holes developing in the underarms of items made of cotton and linen.
The body of the garments is strong. It only seems to be the underarm area where
the fabric is weak. What could be causing this type of damage?
A: Antiperspirants
usually contain a high concentration of substances that can damage cellulose
fibers such as cotton, linen, ramie, and rayon. The agitation of laundering
will cause the chemically damaged fibers to tear or be removed from the fabric.
The longer the antiperspirant stays on the cellulose fiber, the more likely
damage will occur.
To prevent this type of damage from occurring,
antiperspirants should be removed from the article as soon as possible.
Advising the consumer to make every effort to have the garments cleaned
regularly to minimize the exposure of antiperspirants on the item will
Follow us on your favorite sites
Toll Free: 1-800-638-2627
Phone: 301-622-1900
Fax: 240-295-0685
Email: firstname.lastname@example.com
Copyright © 2014 Drycleaning & Laundry Institute. All Rights Reserved.


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text:
The Independent Institute of Lay Adventist of Kigali (INILAK) has announced that it is set to start offering programmes of Masters in Business Administration beginning October this year.
According to Richard Niyonkuru, the Vice Rector in charge of Administration and Finance at INILAK, the institute got approval from the Ministry of Educationin July to begin masters' courses.
He said that the institute is planning to introduce other masters' programmes including; Master of Education, Criminal Law and Master of Development Studies set to start early next year.
Speaking to www.ubwenge.com Bideri Ishuheri Nyamulinda, the Coordinator of Masters' programmes at INILAK said that the move will facilitate people who used to commute every weekend to neighboring countries in search of post graduate programmes. He said that the cost for studying the programmes will be affordable.
Mean while the institute is also set to introduce a new faculty by September this year. The Faculty of Environmental Studies will consist of the departments of Environmental Management and Conservation' and 'Emergency and Disaster Management.
It is expected to train skilled and professional graduates who will greatly contribute in the fight against disaster.
Following last month's Partnership Agreement between INILAK and the Xinjiang Institute of Ecology and Geography which is a branch of the Chinese Academy of Sciences, INILAK will acquire a full GIS laboratory.
The state-of-the-art laboratory and one of its kind in the will boost research in the fields of environmental management, and enable faculty students to get very practical skills based on reliable data.


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First-round action tips off on Wednesday, March 20 and concludes on Friday, March 22. A total of 32 games will be played in round one and all games are hosted by participating schools.
This year's field is one of the strongest in WNIT history with 36 of the 64 teams winning 20 or more games this year. This ties the record set in 2012.
A record 10 teams in this year's field were crowned regular-season champions in their respected conferences - Army (Patriot), Eastern Illinois (Ohio Valley), FGCU (Atlantic Sun), Pacific (Big West), San Diego State (MWC), Seattle (WAC), SMU (CUSA), Texas Southern (SWAC), Toledo (MAC), and UALR (Sunbelt).
The championship game will be played on Saturday, April 6 and will be televised live and in HD at 3 p.m. ET on CBS Sports Network.
Join the conversation on Twitter using #WNIT and follow us on Facebook for the latest news, notes, and information.


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A place where everybody can
chat with one another and talk/recommed/debate about books, writing, reading, authors, films of books, magazines and everything related to books!
All members are invited to browse archived threads and re-activate any discussion by adding a new comment at any time.
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10035667, Spacer
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