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Personal Finance
Why bank depositors deserve tax-free interest
22 May 2014
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Bank depositors suffer from poor service and problems of getting TDS certificates on time, whereas a tiny part of the population enjoys tax-free dividends and capital gains from stocks. Here is a suggestion to make it fairer for bank depositors
The bank depositors are the pillars of strength for the commercial banks, but they are the most harassed, most repressed and deprived. They don't get the service they have a right to expect, they don't get the right product they need, they don't get the right price for their deposits and they don't get the respect they deserve for the deposit support they provide, which is the basic raw material for banks to make profits.
The worst part of banking is the negative return they provide to the depositors, who in the interest of safety of their hard earned savings place implicit faith in the banks and silently suffer erosion in their savings without realizing the loss they incur year after year. The high rate of inflation and the rising cost of living have created a deep dent on their savings. This is made worse by tax laws, which are regressive on account of the failure of the government to bring inflation under control.
As against these inflation figures, interest rates on deposits during the above period ranged from 8.00 to 8.50 % per annum for one year deposits, which is lower than the inflation, which means it is a negative real rate of return for the depositors. There are about 500 million people in this country with bank accounts and at least half of these account holders may have term deposits in some form or other. Inflation is a hidden tax on such a vast number of people, who bear this burden without even realizing it till it bites them severely. The most awful part is that people have to shell out income tax on the interest earned on bank deposits at the rate ranging from 10% to 30% depending upon the total taxable income of each individual. This virtually results in double taxation on poor and middle class people, who form the majority of honest tax payers in our country.
As a result it is driving the common man to invest in unreliable ponzi and money-multiplier schemes, which are thriving at the cost of the not-so-financially-literate middle class and lower middle class, who together constitute about half the country's population.
As if this agony is not enough, all these bank depositors who honestly pay taxes on the interest received from banks on their deposits, have been suffering in silence for the past several years, because, day by day, they find it difficult to get TDS certificates from these banks, who simply do not bother to give the certificates on time. In the month of July every year, people have to run from pillar to post to get TDS certificates from their banks, to enable them to file their tax returns on time.
The paradox of earned and unearned income:
India is a tax haven for the rich as they do not have to pay any tax on their investment income, because the dividend income is totally tax free at the hands of the shareholders and capital gains on stock market investments are either tax free or taxed at lower rate of taxes. As per the press reports the aggregate dividends earned by business houses during 2010-11 was Rs48,191 crore on which no tax was required to be paid. The Tata group dominated the business houses and its 29 group companies together paid Rs3845 crore as dividend to the holding company, on which holding company did not have to pay any tax.
Here is a list of top ten individuals whose dividend income runs in to crores of rupees, which are totally tax free under the existing laws in India.
It is ironical that a common man in India has to pay income tax if his/her total income including interest on bank accounts crosses the basic exemption limit of Rs2,00,000 per year, that is just a paltry sum of Rs16,660/- per month, which is inadequate even for a small family to make a bare subsistence living. And if he places his hard earned savings in fixed deposit with banks, income tax gets deducted at source from the interest received on these deposits, even before he receives any interest from the bank.
Citizens who depend on bank interest:
Bottom of FormThe anguish and anxiety of bank depositors who almost wholly depend on the interest received from banks for their livelihood, is only to be experienced to be believed. To save themselves from the burden of TDS, they are required to submit form 15G or15H to the banks concerned, at the beginning of every year, if their total income for the year is within the exempted limit prescribed under the Income-Tax Act. And this form is required to be submitted every time they make a fresh deposit with the bank, which is both wasteful and cumbersome.
The common experience of many of the citizens has been that such forms submitted by them many times, either gets misplaced at the bank's branches or are not properly noted in bank's records, due to which tax gets deducted at source, forcing them to undergo the rigmarole of filing income-tax returns to claim refund of tax that has been wrongly deducted, as banks refuse to refund such wrong deductions.
These are the woes of bank depositors in India who receive a raw deal from the commercial banks because they do not have anybody to champion their cause. The government is keen to expand the reach of banks in unbanked areas propagating financial inclusion, but has done precious little to incentivise savings through the banking system.
There is an urgent need, therefore, to find a lasting solution to this double whammy faced by the hapless depositors, who form the backbone of the country's banking system. The only plausible solution to free millions of our country men and women from this agony and suffering caused by the irritating provisions of the tax laws and the complex systems of compliance is to make the interest paid by the commercial banks on all their deposit accounts tax-free at the hands of the recipients. And this can be achieved without hurting government coffers, if the following suggestion is implemented by the Finance Minister in right earnest.
In the Finance Act 2003, the then finance minister announced a bonanza for corporate investors. By a stroke of the pen, he abolished income-tax on dividends declared by domestic companies and approved mutual funds, and made it totally tax-free in the hands of shareholders and mutual fund investors from 1 April 2003. This was a great boon to the investors in the stock market, who unfortunately form a microscopic minority in our country. This step mainly helped corporate bigwigs, the high and the mighty, the rich and the wealthy and high net-worth individuals, who have invested in the stock market and reaped the rewards of tax-free income. Now, there is no TDS, no income-tax and no harassment of investors in the stock market.
In order to compensate the government for the loss of revenue caused by this tax-free dividend, the finance minister introduced simultaneously the dividend distribution tax, to be paid by companies paying dividends to their shareholders. This move worked to the advantage of the government, who got taxes paid in the beginning of the year directly from the companies, when the dividends are declared, instead of collecting in piecemeal from the shareholders throughout the year.
Subsequently, the government totally abolished income tax on long term capital gains earned on stock market investments held for more than one year and in its place introduced securities transaction tax at nominal rate for all stock market transactions done through the recognized stock exchanges.
While these steps no doubt benefited the rich and the high net worth individuals, it touched only a fringe of the population. It would be only fair to extend the same principle to millions of individuals (not businesses or corporates) covering the middle and the lower middle class by declaring the interest received from the scheduled commercial banks upto a certain level free of income-tax at the hands of the recipients, thereby providing much-needed relief to the large body of bank customers and depositors, who have been at the receiving end of the blow caused by rising inflation and poor customer service provided by the banks. This is nothing new considering that all non-resident and foreign currency deposits held by NRIs are already tax-free at present and it is only the extension of such a provision to domestic deposits as well, which will put resident Indians at par with non-residents.
How to recoup the loss of revenue to the exchequer?
In order to bridge the budgetary deficit that might be caused by this step of freeing bank deposits from income-tax, the finance minister can consider levying interest payment tax on commercial banks at a very nominal rate, to be paid by banks along with the advance income-tax remitted by them every quarter. This interest payment tax, based on the total interest outgo of each bank, on the lines of the dividend distribution tax but at a fraction of this rate, will be the best substitute for the tax presently levied on each deposit kept with the banks. This extra burden on banks can be easily absorbed by them as this will help the banks to considerably improve their deposit base due to tax-free benefits available on bank deposits and will help them to increase profitability too, by substantially increasing their lending operations.
The benefits of this exercise for the people, the government and the banks, when implemented, can be summarised as under:
The biggest relief will be for the common man who has been suffering from the burden of high inflation and poor customer service from banking institutions.
The economy will get a boost as the savings rate will shoot up considerably due to bank deposits becoming an attractive investment destination for the common man who will not fall a prey to ponzi schemes and the like.
The financial inclusion programme of the RBI will get a shot in the arm as banking will be hassle-free, tax-free and free from the complexities of taxation laws for all those who are brought into the banking system.
The banks in the country will be the biggest beneficiaries with bank deposits becoming the most attractive investment avenue for the public, and banks would be flooded with deposits, which through judicious lending will improve their profitability considerably.
Due to the tax-free status of bank deposits, people in rural areas will be attracted to banks to invest their surplus funds, thereby serving the cause of rural population admirably and banks will be keen to open more branches in rural areas, which will benefit both the banks and the rural people.
There are more than 1,10,000 branches of banks in India today and they will be saved from the burden of deducting taxes every now and then and filing innumerable returns to several authorities, thereby saving time, energy and money for the banks in the country.
The government, in turn, will benefit from getting taxes directly from banks in one go, helping the government treasury with better cash flow and improved management of funds.
The income tax department will be saved the burden of processing millions of small value tax returns and dispensing refunds thereby, saving on cost of operations and improving efficiency.
If this proposal is implemented on the lines suggested above, this will be one of the most people-friendly measures from any government in power and will go a long way to earn the trust and confidence of millions of people without any loss of revenue to the government. This is the best way in which the new central government in the country can create a new paradigm shift in the banking industry and serve to meet the expectations of over a billion people of this country, who are waiting for economic revival with social justice.
(The author is a banking analyst and he writes for Moneylife under the pen name 'Gurpur'.)
Investor Interest
UCO Bank FY14 net profit jumps 144% on higher net interest income
Moneylife Digital Team
22 May 2014
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UCO Bank has recorded 2.44 times increase in its full year net profit to Rs1,510.55 crore due to growth of 32.25% in its net interest income and improved asset quality
UCO Bank, the public sector lender reported jump in its full year net profit, on an increase in its net interest income (NII), revenues and improved asset quality of its non-performing assets (NPAs).
For the 12 month to end-March, UCO Bank said its net profit jumps 144% to Rs1,510.55 crore from Rs618.19 crore, while its total revenues, including interest income, grew 10.43% to Rs19,550 crore from Rs17,704 crore, a year ago period. UCO Bank in its regulatory filing said, "Its profit was understated by Rs142 crore due to change in accounting policy."
During FY14, the public sector lender said its NII increased 32.25% to Rs6,059 crore from Rs4,582 crore of FY13. Its domestic net interest margin (NIM) stood at 3.02%. Its non-interest income (other income) grew 38.68% to Rs1,320.51 crore from Rs952.17 crore in FY13.
UCO Bank's total FY14 expenses (excluding provisions) grew marginally (1.83%) to Rs14,610 crore from Rs14,347 crore. During FY14, UCO Bank has made 18.67% more provisions to Rs3216.30 crore from Rs2,710.31 crore a year ago period. It includes provisioning for employee benefits, pensions, gratunity etc.
As on 31 March 2014, total advances of UCO Bank increased 16.50% to Rs1.53 lakh crore. UCO Bank's total deposits during the year increased 15.05% to Rs1.99 lakh crore. UCO Bank's total current account saving account (CASA) grew 6.34% to Rs58,884 crore.
As on 31 March 2014, UCO Bank's capital adequacy ratio (CAR) stood at 12.68%, gross non performing assets ratio (GNPAs) fell to 4.32% from 5.42%. Its GNPA fell 7.13% to to Rs6,621.37 crore from Rs7,130.09 crore a year ago period.
Its net non-performing assets (NNPA) fell to 2.38% from 3.17%. Its net NPA fell 12.60% to Rs6,035 crore from Rs4,069.31 crore. While its non-performing loan provisioning coverage ratio stood at 57.02%.
"During FY14, bank has made a recovery of Rs3,046.87 crore from Rs1,500.47 crore a year ago, through cash recovery and upgradation. During the FY14 bank assigned 133 NPA accounts to ARCs involving Rs1,869 crore and created a separate vertical within the Recovery Dept for effective monitoring of loss assets and their recovery," said UCO Bank in its regulatory filing.
For the quarter to end-March, UCO Bank said its net profit jumps 5.74 times to Rs284.71 crore from Rs49.55 crore, while its total revenues including interest income grew 15.21% to Rs4,850.36 crore from Rs4,210.09 crore, same period last year.
During the year Government of India (promoters) increased its stake in UCO bank as SEBI exempts the GoI from an open offer to acquire additional 7.94% stake in UCO Bank through conversion of Rs1,823 crore worth perpetual non-cumulative preference shares.
Government to increase stake in UCO Bank to 77.2
As on 31 March 2014, UCO Bank's total branches stood at 2,894 from 2,614 and ATM network stood at 2,085 from 1,361 a year ago period.
UCO Bank declared a final dividend of Re1 per share.
UCO Bank made its 52-week high at Rs110.70 on the BSE, on Wedenesday. At 11.12am on Thursday, UCO Bank was trading 2.22% up at 108 on BSE, while the 30-share Sensex was marginally up at 24,462.
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Investor Interest
Motherson Sumi Systems FY14 net profit zooms 72% on higher exports
Moneylife Digital Team
22 May 2014
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For FY14, Motherson Sumi Systems reported higher net profit to Rs764.97 crore due to robust growth in its exports
Motherson Sumi Systems Ltd (MSSL), an auto component maker, reported higher full year net profit due to robust growth in its exports.
For the 12 month to end-March, MSSL said its consolidated net profit zooms 72% to Rs764.97 crore from Rs444.54 crore, its total revenues including sales grew 20% to Rs30,721 crore from Rs25,616.96 crore a year ago period.
During FY14, MSSL's domestic net sales grew 4% to Rs4,727.41 crore from Rs4,567.2 crore, while its net exports (sales outside India) grew 24% to Rs25,630.54 crore from Rs20,658.10 crore a year ago period. Its exports contributed 83% in its net sales during FY14.
MSSL said during FY14 its net profit from Automotive segment grew 75% to Rs1,994.91 crore from Rs1,141.85 crore, however, its profits from non-automotive segment fell 4% to Rs65.24 crore from Rs67.84 crore a year ago period.
"We have achieved consolidated revenues of $5 billion, despite it being the toughest year of the automobile industry. We were able to outperform the market. We are looking ahead positively and we are very much sure that we will keep on delivering the promise made to our stakeholders," said VC Sehgal, chairman of Motherson Sumi Systems, in a regulatory filing.
In its quarter to end-March MSSL said its consolidated net profit grew 55% to Rs302.53 crore from Rs195.8 crore, its total revenues including sales grew 26% to Rs8,406.74 crore from Rs6,675.84 crore a year ago period.
During the one year period, between March 2013 to March 2014, promoter shareholding remained at 65.59%. Foreign institutional investors (FIIs) shareholding grew to 16.91% from 15.19%, public shareholding increased to 10.07% from 9.65% while, domestic institutional investors (DIIs) shareholding fell to 7.43% from 9.57% a year ago period.
Motherson Sumi Systems has issued 1 bonus share for every 2 shares during December 2013.
MSSL declared final dividend of Rs2.50 per share.
On Thursday, Motherson Sumi Systems opened at Rs289.60 made 52-week high at Rs306.50 during afternoon and closed 2.39% down at Rs279.75 on the BSE, while the S&P BSE Sensex ended the day flat at 24,374.
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First some news we are proud to share; this past week we were awarded the Ohio Clean Marina designation for the 10th year in a row. Why is this important? Well it shows you our voluntary commitment to preserving the environment so everyone can enjoy clean water for boating and fishing activities.
That said, with each passing day we are also inching closer and closer to seasonable temps, and with it plans for a spring launch. Right now we are working on launch orders so we can get them in the mail in hopes that when the thermometer goes up, the docks can go in. While it may seem early yet to talk of launching boats, these things have a way of sneaking up on the unprepared.
After all, it won't be long and the river will look like this again!
So if your out and about and you want to talk spring and launch, or if your new to boating and your looking for a place to call your home-port stop in and see why Romp's is Lake Erie's Family Fun Marina.
We'll have the coffee on for you!….We hope to see you dockside.

subset: commoncrawl


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May 29, 2010 by Post Team
Junewish:Too many wishes as well .. I'm a dreamer, and I am not ashamed of it too …
First things first, I wish for the success of my test, good results, and I hope that I will continue in the ninth grade with no problems whatsoever.
June, July, June .. Last month to be with 8A. I want, I will spend those last moments of joy, or perhaps in the end with tears of joy. I wish my class "refleksi 'will be a success! And I wish, that the memory lasts forever.
I wish for the happiness of my family and my friends … whatever happens I want to be happy. I want my happiness too, I'm too selfish? I can not imagine .. Everyone deserves to be happy, or at least hope that their own happiness.
God. Please, my wishes come true. Amin:)
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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Humcha Overview
You can reach Humcha from Bangalore by road in about using a cab upon driving using a cab.
Humcha is also known as Humbaj, Hombuja or Hunchadakatte. It is a small village in Karnataka and belongs to the Shimoga district and is at a distance of 58 km from this place. The place is also known as Pomrchcha and Pombucha.
The village is referred to as the Atishaya Kshetra because of the divine events that occurred at this place. It is the famous pilgrimage dedicated to Lord Parsvanath and Devi Padmavati. It is believed that this place is the most sacred place for Devi Padmavati. The place is known to have historical significance in terms of culture, architecture and the history of its establishment.
The annual car festival of Padmavati Devi is celebrated in the month of march on the Moola Nakshatra Day. Navratri festival is also celebrated in Humcha where devotees from different places come, worship and celebrate it in a large number.. Book cabs in Humcha


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Kendall Jenner Opens Fendi Show at Milan Fashion Week, Celebrates 50 Million Instagram Followers
Kendall Jenner hit the runway for Milan Fashion Week, opening the Fendi show today (Feb. 25) in a stunning ensemble.
… More »
Kendall Jenner hit the runway for Milan Fashion Week, opening the Fendi show today (Feb. 25) in a stunning ensemble.
… More »
Oh no! Kendall Jenner had to miss most of Milan Fashion Week.
The 19-year-old model was ill this past week, forcing her to miss most of the Milan runway shows.
Jenner's been dominating the runway for weeks now, first at New York Fashion Week, then at London Fashion Week. But, while… More »
Kendall Jenner has been blowing up fashion weeks all over the world!
Even though she was bullied by fellow models, the 19-year-old reality star killed it at New York Fashion Week earlier this month, rocking everything from Marc Jacobs to Oscar de la Renta.
Jenner quickly moved on to… More »
Kendall Jenner might be the next Victoria's Secret Angel!
According to In Touch, the gorgeous 18-year-old model is being considered by Victoria's Secret to become their latest Angel. Kendall's been making a name for herself in the modeling world, and she's thisclose to landing one of the biggest contracts of all time! … More »
Does Kendall Jenner have a new man?
Watch out Harry Styles, it looks like a new man is sweeping Kendall off her feet. The 18-year-old model was just spotted in Milan, Italy holding hands with a mystery man. So, has Kendall officially moved on after her relationship with Harry? Check out the pictures… More »
Love is definitely in the air for Sharon Stone and her rumored beau Martin Mica.
On Saturday, the couple sat front row for Fendi's show at Milan Fashion Week.
Stone, 57, donned a sleeveless black cardigan with feather shoulder detailing while Mica, 27, stayed casual in a leather jacket and grey… More »
Hot men weren't only on the Versace runway in Milan, they were also front row for the show!
Glee guy Darren Criss got suited up and joined True Blood hottie Ryan Kwanten, Gossip Girl actor Chace Crawford, Star Trek stud Zachary Quinto and NBA stars Carmelo Anthony and Dwayne Wade at Milan Fashion Week Menswear… More »
Fashion has always come easy to David and Victoria Beckham. The gorgeous pair make international headlines with their work, play and red-carpet garments.
Yet the dreaded time has come for the duo, who drape everything from their own ranges to the biggest fashion houses on their well-toned bods. A line has been drawn and… More »


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Need a Chicken Pox Titer in Wexford, PA? Simply order online 24/7 and get a fast, affordable Chicken Pox Titer at a lab near you (Find More Locations):
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Red Kuri Squash Soup with Ancho Chile and Apple
"Kuri squash has a unique, concentrated sweet flavor that's beautiful in soup," says Rick Bayless, chef at Frontera Grill in Chicago. (Butternut is a fine substitute.) He adds more layers of flavor with apple, cinnamon and raisiny ancho chile, and even blends in the squash seeds for nuttiness.
Recipe from Food & Wine Chefs' Easy Weeknight Dinners.
- Active:
- Total Time:
- Servings: 4
- 2 tablespoons unsalted butter
- 3 pounds Red Kuri or 11/2 pounds butternut squash, peeled and cut into 1-inch pieces (4 cups), seeds reserved
- 1 medium onion, sliced 1/4 inch thick
- 1 ancho chile—stemmed, seeded and torn into 1-inch pieces
- 1 medium apple—peeled, cored and cut into 1-inch pieces
- 1/2 teaspoon cinnamon
- Salt
- Freshly ground pepper
- 1/2 teaspoon sugar (optional)
- Toasted pumpkin seeds, for garnish
How to make this recipe
In a large soup pot, melt the butter. Add the squash seeds and onion and cook over moderately high heat, stirring frequently, until the onion is golden brown and the seeds are starting to brown, 5 to 6 minutes. Add the chile and toast until fragrant and pliable, about 1 minute. Add the squash, apple, cinnamon and 4 cups of water and bring to a boil over high heat, then simmer over low heat until the squash is very tender, about 25 minutes.
Working in batches, puree the soup in a blender. Season with salt, pepper and sugar, then serve, garnished with pumpkin seeds.
Make Ahead
The soup can be refrigerated for up to 2 days.


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With First Tutors: Music you can search for a Wylam piccolo tutor. Piccolo lessons are a great method to learn a stimulating new hobby, acquire a new skill and attain confidence in piccolo. Please use our site to find Wylam piccolo teachers and determine which best suits your requirements so you can enjoy your piccolo lessons in Wylam immediately!
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Lots of questions around quality of camera.. so I thought I would start some tests to compare between my current iPhone 5 and the Z10. First one shows huge variation in the light conditions.. interested to know which you feel is best.
iPhone 5 / Z10 No Flash
Attachment 133722Attachment 133723


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"Beside every good man is a good woman, and she must always be ready to step in front." - Phryne Fisher
Miss Phryne (pronounced FRY-nee) Fisher has quite the reputation - as Melbourne, Australia's preeminent lady detective, and for her fast cars, handsome lovers, and impeccable fashion! Whether you're a fan of the books, the blockbuster TV series, or simply of Phryne's sass and style, you'll love our Miss Fisher Tee, featuring a quote from the lovely detective herself. Be sure to check out our other tees (Apologize, Come, Dress, Head, and Phryday) for more clever quips and sage advice.


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SWEETHEART Twinkle Sprinkle Medley is a premium, one of a kind mix of some of the sweetest, love-inspired sprinkles in the universe: bright red/pearl/bright pink/light pink/white strands, heaps of gold dragées, edible gold squares/stars, heaps of heart confetti, sixlets, candy beads, candy pearls, nonpareils, and more.
Perfect for anything from Valentine's parties/treats to weddings--and everything in between. All of the sprinkles in this mix are candy-sweet and yummy on their own. This sprinkle mix is the perfect way to make any cake, cupcake, cookie, ice cream sandwich, chocolate bark or pretty much anything party-ready. This medley is a sweetheart dream in a bottle!
★ Available in 4 sizes: Medium, Jumbo and Bulk (2lbs/910g) or Bulk (5lbs/2.3kg).
★ Sprinkle bottles are an adorable French square shape, lightweight clear plastic (8oz and 16oz) and finished with a glossy label.
Let us bake!
Ingredients: icing sugar, sugar, fractionated palm kernel oil, corn starch, glucose, soya lecithin, carnauba wax, dextrose, tapioca dextrin, reduced protein whey (milk), cocoa, carob, modified corn starch, calcium stearate, wheat starch, gelatin, bees wax, gum arabic, cellulose gum, mica based pearlescent pigment, artificial colors & flavors, shellac, confectioners' glaze.
*Contains wheat, soy & milk. May also contain trace amounts of eggs & tree nuts. The metallic dragées contain silver colour classified as edible in Canada, Europe and most other countries, but not yet approved by the FDA (USA). Twinkle Sprinkle Medleys that contain metallic dragées are considered for decorative purposes only in the USA. Not for sale in the state of California.


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Baby No. 2 On The Way For Ivanka Trump
It's going to be one crowded board room as the Trumps continue to expand the family.
Ivanka Trump and her husband New York Observer owner Jared Kushner are expecting their second child, Celebuzz has confirmed.
Donald Trump's daughter took to Twitter to share the happy news with the world.
Jared and… More »


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- weakhearted
- adjective Date: 1549 lacking courage ; fainthearted
New Collegiate Dictionary. 2001.
New Collegiate Dictionary. 2001.
weakhearted — weakheartedly, adv. weakheartedness, n. /week hahr tid/, adj. without courage or fortitude; fainthearted. [1540 50; WEAK + HEARTED] * * * … Universalium
weakhearted — adjective fainthearted … Wiktionary
weakhearted — Synonyms and related words: afraid, chicken, chickenhearted, coward, cowardly, cowed, daunted, dismayed, fainthearted, fearful, funking, funky, henhearted, intimidated, lily livered, milk livered, milksoppish, milksoppy, mousy, overtimid,… … Moby Thesaurus
weakhearted — adj. faint hearted, cowardly … English contemporary dictionary
weakhearted — … Useful english dictionary
Motorcity Records singles discography — This is a discography for singles released by Motorcity Records. Nightmare 12 singles Singles with the MARE prefix released on Ian Levine s label Nightmare Records (7 singles had the prefix MARES) before the label was re named Motorcity Records.… … Wikipedia
weakheartedness — noun The state or quality of being weakhearted … Wiktionary
weakheartedly — adverb In a weakhearted manner … Wiktionary
afraid — Synonyms and related words: abulic, afeared, aghast, anxious, apologetic, apprehensive, averse, backward, cautious, chary, chicken, chickenhearted, coward, cowardly, cowed, craven, daunted, dismayed, edgy, faint, fainthearted, fear struck, feared … Moby Thesaurus
chicken — Synonyms and related words: Ancona, Andalusian, Australorp, Bantam, Brahma, Campine, Cochin, Cornish, Cornish hen, Hamburg, Hershey bar, Leghorn, Lord Fauntleroy, Milquetoast, New Hampshire red, Orpington, Percy, Plymouth Rock, Rhode Island red,… … Moby Thesaurus


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Hampton Fields Village
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Caring1091 May 02, 2013
I visited this facility
The downside of Hampton Fields was their units do not have a stove. But there's a refrigerator and a microwave. They provide three meals a day and they will also provide housekeeping. The staff was nice but I just get very mixed feelings about the place. It's a very nice facility. For the right person, this could be the right place. It's just not the right place for me.
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About Hampton Fields Village
Hampton Fields Village is an independent living community in Allison Park, PA designed for seniors, normally 55+, who are able to care for themselves and wish to live independently. Contact Hampton Fields Village for more details on housing, services, and rates.
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This is a comfortable hotel that offers a shuttle bus to and from the airport. (2010)
The hotel is located 6 kms from the Vancouver airport. Shops and restaurants are available nearby.
It is a low-rise, modern hotel.
The lobby is medium sized with a separate area full of comfortable seating and a pay for access internet station.


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This poster was created for the Poster Posse Project. The Poster Posse Project is a initiative of the website Blurppy.com, where a group of designers all design their own poster for a specific movie. A huge thanks to Don Thompson for making me a part of this wonderful group of designers! You can also follow the Poster Posse on Twitter!
Thumbnails: it wasn't that hard to come up with a variety of compositions. The trailer was just so inspiring!
Work in progress.
Thank You!


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Arlington West will hold a commemorative installation in honor of its eighth year of existence here in Santa Barbara at Stearn's Wharf on Sunday, November 13, 2011. A reading of names of soldiers and civilians killed in the long wars will be held from 9:00 am until 3:00 pm. Congresswoman Lois Capps and former mayor Marty Blum will be featured speakers. The public is invited to help read the names and to help with the set-up (7:30 am) and the take-down (3:30 pm). In case of rain the event will be rescheduled for another time. For more information contact firstname.lastname@example.com, or the media contact for our chapter, Tom Urban, at firstname.lastname@example.com.
You must be logged in to post a comment.


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Lufthansa (67-89) Boeing 747-100 Airplane Miniature Model Snap Fit 1:200 Part#ABO-74710H-006
Lufthansa was the first non-American airline to order and take delivery of the Boeing 747-100. It became the first non-American airline to fly the Boeing 747, entering it into service on the Frankfurt-New York route in April 1970. This model represents ship D-ABYA "Nordrheim-Westfalen" in its original delivery colors (this livery was used by Lufthansa from 1967 to 1988). It was the first 747-100 delivered to Lufthansa and the twelfth built by Boeing. It had its first flight on February 18, 1970, and was delivered to Lufthansa March 10, 1970. In 1978 Lufthansa sold this aircraft to ITEL Corporation. The 747-100 had its first flight on February 9, 1969, and entered commercial service in 1970. Boeing delivered 250 of the 747-100s, the last in 1986. Boeing built two versions of the 747-100 passenger airplane, one of which had a higher payload capacity and was known as the -100B. The 747-100 was also available as a short-range (SR) airplane, which had a modified body structure to accommodate a greater number of takeoffs and landings. The 747SR model typically was used by airlines on short flights with a high-passenger capacity, as many as 550.
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5.0 stars 6 totalReview Thomas Ryan
Posted by anonymous
Thomas P Ryan came highly recommended to me! It turned out to be a great recommendation.
I was an out-of-state defendant in a case re contracts. He quickly grasped the essence of a new field, planned a response, and won the case!!!
He listened to his client and made me feel involved in what we were doing. He had
clarity and patience as he explained how and why he had shaped my defense..... and took us to the offense!
My original attorney was quite impressed with Mr Ryan's handling of the case which did prevail.
I highly recommend Mr. Thomas P. Ryan!
He is a very intelligent and very capable young attorney.
Posted by Kristen
Tom represented me in a defamation lawsuit. I had been representing myself as the defendant, but as the litigation became more complex it was clear that I would need to seek professional representation. I contacted Tom Ryan and he was immediately put at ease with his knowledge and understanding of defamation law. In a very short period of time, Tom submitted a Motion to Dismiss for failure to state a claim. The lawsuit was successfully dismissed with prejudice, putting an end to entire ordeal. I would not only recommend Tom Ryan's legal expertise, but I would ONLY consult him going forward in any future litigation I may come across. He is professional, extremely knowledgeable and tenacious.
Posted by Amir
Ryan represented me in a personal injury lawsuit. I was involved in Car accident. When Ryan first met me, he gave me a free consultation and answered all of my questions. Ryan saw an angle and after some deliberation decided to take me on as a client. I'm very glad he did, as about a year later the case settled for an extraordinary amount thanks to Ryan's efforts.
In terms of work style, he's extremely hard-working and conscientious, all while maintaining a good sense of humour. He thoroughly researched my case and also made some crucial discoveries, the kind of which seemed more attributable to a private investigator than a lawyer.
He earned our unfaltering respect and confidence. He is very good for what he does i will recommend him to anybody how asks me. He's the best.
Posted by Brian
I was involved in a car accident. I was rear-ended while stopped at a light. The insurance company for the other driver wouldn't even pay for all of my medical bills. Tom got involved, got my medical bills paid and also some money extra. He was fantastic. Answered all of my questions. Was always available and returned all of my phone calls. He made the whole process bearable.
Posted by Paul
Tom was recommended to my by another attorney and that referral ended up being fortuitous. Through Tom's tireless case law research, negotiations skills and determination to see the lawsuit to the end, I was very satisfied with the final result in my fight against a former employer. Tom's legal advise was always balanced giving me both the advantages and disadvantages for various courses of action and he kept me grounded in reality.
After one preliminary ruling, Tom mentioned to me that he lost sleep worrying about potential outcomes. I have worked with many attorney's in the past and this is the first time I have had an attorney lose sleep over my case. That speaks volumes for Tom's committment to excellence and his focus with always looking out for my best interests.
As the case progressed Tom always took the initiative to keep me informed in a timely manner. Other attorney's I've worked with in the past were less responsive. With Tom, I never felt ignored or that I was bothering him with my questions. He always patiently answered my questions and provided me with thoughtful and sage advice.
I highly recommend Tom Ryan for any law specialty his firm provides. He will get the job done.
Posted by happy client
Thomas Ryan is a very smart, sincere, and professional attorney. His knowledge of the legal system is extensive and case preparation is well above average. I felt confident in his abilities and credentials. He is very approachable and forthright. He was always responsive (never more than an hour or so would go by without a follow up to my voicemail or e-mail) and made himself available whenever I had questions, which was often outside of regular business hours.
He helped me win a landlord-tenant case, which went on for an extended period of time. I won not only the original claim against me, but also the counterclaim against the landlord, which Tom recommended I file.
Separately, he also gave me great legal advice on estate planning and wills for my parents.
Overall, I was very pleased with the outcome of my case. I would highly recommend him to anyone!


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Voyeur : June 2010
JUNE 073 THRIFT AND THE CITY Destined to be a Fendi bag lady? You're in luck in NYC, where haute couture without the haughty price tag is as close as a consignment store, says Emma Pearse. If, like Carrie Bradshaw, you like your money right where you can see it... hanging in your closet, NYC's consignment stores are where you can get your fashion fix for less. A shopping trip to New York City is typically about the big names. It's where travel guides and Hollywood have you riding the elevators at Barneys Uptown, splurging on cult fashion labels such as Miu Miu and Proenza Schouler. You must also gush over the haute couture and accessories at Fifth Avenue classics Tiffany & Co, Henri Bendel and Bergdorf Goodman. In the original Sex and the City T V shows, freelance columnist Carrie Br adshaw, played by Sar ah Jessica Parker, spent her share of retail therapy at Saks Fifth Avenue and Jimmy Choo and even famously dropped her rent on a pair of Manolos. Sex and the City was all about the brands. Fashion- hungry travellers "come to New York for the two Ls: labels and love", Carrie keenly obser ved. So, what about all those less-than- recognisable items -- the newsboy caps, floral boho skirts and ironic T-shirts -- that Carrie sported? And remember, in the first film, the simple, label-free skirt suit she was going to marr y Mr Big in? Her girlfriends scrunched their noses at it and she ended up wearing a Vivienne Westwood wonderdress. While Carrie is, let's face it, a label *bleep*, her aesthetic does have a mix-and- match tone, a sensibility pushed by Sex and the City superstylist Patricia Field, who has often lauded some of the least expensive ensembles worn on the show as her favourites. And while the show's producers held tight to the idea that Carrie represented the fashionable career woman, the question remained: how could a freelancer, who wrote little more than 1,000 words a week, afford those thousands of pairs of designer shoes? The answer: consignment stores. We're talking thrift alley, baby! new york
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text: Mrs. Bryngelson, 1st Grade Class at Rochester Central Lutheran School Dover Eyota 4th Grade Mrs. Nielson's 2nd grade at Pine Island Elementary. Show us your best monster face! Mrs. Dube's 2nd Grade Class at Sunset Terrace Elementary Julie Jones reads to Mrs. Lowler's 3rd Grade in Zumbrota-Mazeppa "Pirate" Dave reads to Mrs. Bebe's Kindergartners at Harriet Bishop Elementary Mrs. Wohlers' 1st graders at Triton Elementary! Mr. Harvey's 3rd grade at Stewartville. Mrs. Lentz Stewartville Kindergarten Mrs. Southwick's 4th grade at Kasson-Mantorville They also made Tracy a giant Thank You card. Feb. 1: Mrs. Hansen's 3rd Grade in Byron. Tracy read "I Need My Monster" and students showed us their best monster faces. Photo 1 of 1 Continue Gallery


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1. Take a Class or Workshop
7 week classes: $260, 3 hours of instruction per week plus unlimited access to the communal studio during regular studio hours.
Weekend Workshops: Variable + Lab Fee, Saturday & Sunday, full day
2. Studio Use
$190/month. Communal studio rental includes access to all equipment, glazes and firing facilities. This is a month-to-month rental, one month minimum, previous clay experience is required. Access to the studio 7 days a week.
3. Private Studio Rental
We have 11 private studios (approximately 115 sq. ft. each) which we rent on a monthly basis. Rental includes access to all studio equipment and firing facilities, 7 days a week.
4. Private Lessons for All Ages
Number of People | Cost Per Person for 2.5 Hours
1 person $150
2-5 people $125 per person
6-10 people $110 per person
2.5 hours is the minimum time for students to execute and finish work. Lesson fees include instruction, clay, under-glaze, clear glaze done by staff, and two firings.
5. Create a Class
Call us if you have a group of 5 or more children, teens
or adults and we will personalize a class for you.


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Myrtle Bank
Number of bedrooms per dwelling
Dwellings with 3 bedrooms were the most common in Myrtle Bank in 2011.
The Number of Bedrooms in a dwelling is an indicator of the size of dwellings, and when combined with Dwelling Type information, provides insight into the role Myrtle Bank plays in the housing market. For example, an area of high density dwellings that are predominantly 1-2 bedroom are likely to attract students, single workers and young couples, whereas a high density area with dwellings that are predominantly 2-3 bedroom may attract more empty nesters and some families.
In combination with Household Type and Household Size, the Number of Bedrooms can also indicate issues around housing affordability, overcrowding and other socio-economic factors.
Derived from the Census question:
'How many bedrooms are there in this dwelling?'
Occupied private dwellings
Source: Australian Bureau of Statistics, Census of Population and Housing (opens a new window) 2006 and 2011. Compiled and presented by .id (opens a new window), the population experts.
(Enumerated data)
Compiled and presented in profile.id by .id, the population experts.
Compiled and presented in profile.id by .id, the population experts.
Dominant groups
Analysis of the number of bedrooms in dwellings in Myrtle Bank in 2011 compared to City of Unley shows that there was a lower proportion of dwellings with 2 bedrooms or less, and a higher proportion of dwellings with 4 or more bedrooms.
Overall, 39.1% of households were in dwellings with 2 bedrooms or less, and 20.6% of 4 or more bedroom dwellings, compared with 40.4% and 17.4% for City of Unley respectively.
The major differences between the number of bedrooms per dwelling of Myrtle Bank and City of Unley were:
- A larger percentage of dwellings with 1 or no bedrooms (includes bedsitters) (9.3% compared to 6.4%)
- A larger percentage of 4 bedroom dwellings (16.9% compared to 14.3%)
- A smaller percentage of 2 bedroom dwellings (29.9% compared to 34.0%)
- A smaller percentage of 3 bedroom dwellings (35.8% compared to 38.1%)
Emerging groups
There were no major differences in Myrtle Bank between 2006 and 2011.


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Brittany Ashton Holmes
September 11, 2010 by Post Team
Brittany Ashton Holmes, Brittany Ashton Holmes may be the guy that makes us all laugh, as a result of 'mono', and now she is a hot hot girl named Brittany Ashton Holmes. The image you see here may be the photograph of Brittany Ashton Holmes just before and after. He was born on February 27, 1989, in California. She is an American actress who is best known for her role as Darla in The Little Rascals. He also served on the 1996 film in humanoids.
People are very curious what is right now, and yes, she is very beautiful. Brittany Ashton Holmes has come a long way now. Since 1994 The Little Rascals all concerned the time he was Amblin Entertainment and may be released by Universal Pictures on August 5, 1994. Some other movies I was in Brittany Ashton Holmes are humanoids across the deep as Girl on Boat (1996), inhuman and Amy Carver (1996), Death of benefits such as Cynthia Coates (1996) as an episode Julie Ellen (1995) and Red Shoe Diaries as Dana 1 episode (1995).
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.


text:
- Description
Contemporary and glam style. Mirrored storage shelves underneath. Clear tempered glass top.Includes
1 End Table, 1 Coffee Table and 1 Sofa TableDimensions
End Table,
19.75W x 19.75D x 21.00H
Coffee Table,
47.25W x 23.50D x 19.25H
Sofa Table,
43.50W x 13.75D x 30.00H
More from this collection: Sierra
- Additional Information
Additional Information
SKU 12691542 GTIN N/A Collection Sierra Assemble Length 23.75 Assemble Width 18 Assemble Height 39 Assembly Required Yes Material Wood Finish Chrome Styles Modern Shipping Time 1-2 Weeks Free Shipping No
- Reviews
Disclaimer: Pictures displayed may include optional products not included in the price. Computer monitors often display color variations. Color swatches are shown if alternative colors are available. Please call us or email us if you have any questions!


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You have been amazed to learn the first sixty-eight facts they won't tell you about sex, and now we are back to reveal the next ten! Continue reading to learn all there is to know about this sinfully juicy and secretive act! You might just be surprised! Make sure to come back for part nine, where we reveal the top ten facts they don't tell you about sex! You never knew facts could be so sexy!
Number Twenty: The Sneeze-gasm. We have all heard the rumor that sneezing produces a similar bodily reaction to orgasms. In addition to this, they bear another odd resemblance. Once a sneeze takes place, it becomes impossible to stop the reaction. An orgasm can also not be stopped once it has begun.
Number Nineteen: Why Women Like Gay Men. Other than being more likely to be in tune with their emotions, gay men have a handful of endearing qualities known to make women fall for them. For example, that statistic that states that gay men tend to have larger penises that straight men.
Number Eighteen: Sizes of Satisfaction. Although men are convinced that the size of their penis is one of the most important characteristics to women, it really isn't true. You boys don't have to worry, as more than 85% of women claim to be satisfied with the size of their lover's penis.
Number Seventeen: One Finger. We have all heard the rumor about judging a man's penis size based on the size of his hands, but this rumor might actually hold some truth. Previous evidence has indicated that the length of a man's index finger has a correlation to the size of his endowment.
Number Sixteen: The Period-gasm. This fact isn't common in most women, but it is quite a surprising occurrence. Every now and again, women have reported experiencing an orgasm caused by their menstrual cramps. However, I can tell you that they are much more brutal to the majority of women.
Number Fifteen: Wet Dreams. Astonishingly, the number of wet dreams experienced by a man may have something to do with his education. Researchers have discovered a possible correlation of wet dreams to the number of years spent receiving formal education.
Number Fourteen: Lies and Lying. No couple is perfectly honest, although you might be able to expect when your significant other is most likely to lie to you. Among adults, lovers are most likely to lie while lying in bed with one another.
Number Thirteen: Turn Off the Lights. Lights on or lights off is a popular question in regards to sexual preferences. Although if you are asking a woman, the usual answer will be lights off.
Number Twelve: All in the Eyes. Though it is hard to believe, the appearance of a partner's eyes has a lot of effect in bed. When a man's pupils become enlarged, most women claim to be turned on by it.
Number Eleven: It's in the Race. It is commonly accepted that race has become an almost irrelevant feature of a person. However, darker-skinned women have an extra reason to take pride in their pigment. Compared to Caucasian women, black women are 50% more probable to orgasm during sex.


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What is JotForm?
JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
At JotForm, we want to make sure that you're getting the online form builder help that you need. Our friendly customer support team is available 24/7.
We believe that if one user has a question, there could be more users who may have the same question. This is why many of our support forum threads are public and available to be searched and viewed. If you'd like help immediately, feel free to search for a similar question, or submit your question or concern.
Submissions are showing fields not in the formAsked by nousernamesleft on January 23, 2016 at 03:24 PM
I used some of the address fields in a form & altered which one's would show up in the form. This looks fine in the form itself, but when it is filled in the submission database shows the unused fields? How can I get rid of these? Thanks.
JotForm Support
Sorry but it is not recommended to use the address tool for that question. It is the reason why the other question or fields is showing in the email notification.
Pleae use the "Shrink" function if you want to achieve a 3 column element that has the product item, wholesale price and retail price.
I created 1 text field and 2 text boxes.
After that, I use the "Shrink" function to make them small and aligned in 1 row.
Let us know if you need any help. Thank you.
Thanks for your help. Unfortunately that creates another issue. The text box doesn't show up in the excel spreadsheet & therefor all the products are no longer labeled. This makes the data unusable as its no longer relevant to a particular product.
I have tried a widget which allows you to create multiple text fields, but unfortunately it places all the info in one cell in excel which makes the functionality of a spreadsheet impossible.
Is there a better way of creating a form where the data set is usable by a spreadsheet & properly labeled?
JotForm Support
What you can do is to implement what my colleague suggested, labeled the fields, and hide them with custom CSS, example:
Here is my example form: https://form.jotform.com/60234538149961, this is the injected CSS applied: http://www.jotform.com/help/117-How-to-Inject-Custom-CSS-Codes
display: none !important;
You may clone it to inspect further: http://www.jotform.com/help/42-How-to-Clone-an-Existing-Form-from-a-URL
Thanks, as I mentioned previously, this method is not then labeled correctly in excel submissions. As per your image.
I don't understand what the URL cloning is about? or how it relates to this issue.
What is required is either a labeled table or multiple fields that enter data into single cells that are labeled in excel. Thanks.


text:
The Deviants logo by PhotopopsWatch
©2010-2017 Photopops
Full size version of my forum group logo.
Awesome. For some reason, to me it's got that Rockabilly'ish essence to it or something--at least to me when I look at it. Awesome job!
This is so awesome
Awesome logo. Lol my bf would love this!!!!
It looks VERY cool


text:
Britain's Got Talent insiders have reportedly admitted that sandwich-making singing duo the Johnson Brothers have experience of performing professionally – "making a living" as crooners on cruise ships.
Richard, 22 and Adam, 19 received a standing ovation from the audience and glowing reviews from the judges after their audition, screened on ITV last Saturday night.
BGT head honcho Simon Cowell lavished praise on the pair for the "incredible" amount of "effort and passion" put into their rendition of 'The Impossible Dream' from musical Man of La Mancha.
The 53-year-old said their performance reminded him of the Olympic spirit of London 2012. He also added that while he liked them for being "genuine guys", they needed a little technical assistance.
The jumper-wearing siblings told how they enjoyed to perform for their grandmother "around the house" in an introductory interview before they took to the BGT stage.
Tenor Richard said: "We've been singing really for three years around the house, as you do.
"Anywhere and everywhere and really we always sing for nan."
Having been asked whether they had a day job by Amanda Holden and replying that they both worked in sandwich shops, Simon joked: "So you're classical sandwich makers? This I'm looking forward to."
Newspaper reports today however have claimed that Richard and Adam may spend more time chasing showbiz dreams than they do in the day job as buttie artists.
One video available on YouTube features the brothers being interviewed for the holidayandcruise channel, presenting the sharp-suited lads as a professional act.
A Britain's Got Talent spokesman said: "Richard and Adam both work in the family's sandwich shops in Wales.
"Over the past few months they've worked part time as they have been pursuing their dream of making a living from singing with occasional work on cruise ships and other small gigs."


text:
Fender Classic Series 70s Stratocaster Electric Guitar, Natural, Rosewood
The Fender® 70s Stratocaster® guitar features an ash body, U-shaped neck with bullet truss rod nut, maple or rosewood fingerboard, large headstock with 70s logo, three vintage-style single-coil pickups and vintage-style 'F' tuners.
Main Features
- Model Name: Classic Series '70s Stratocaster®
- Series: Classic
- Colour: Natural
- Part number: 0137002321
- Read More
Fender Classic 70s Stratocaster Specifications
Body Shape: Stratocaster®
Neck Shape: 'U' Shape
Number of Frets: 21
Fret Size: Vintage-Style
Position Inlays: Black or White Dot
Fingerboard Radius: 7.25 inches / 184.1 mm
Fingerboard: Rosewood
Neck Material: Maple
Nut Width: 1.650 inches / 42 mm
Scale Length: 25.5 inches / 648 mm
Headstock: Large '70s Style
Neck Plate: 3-Bolt with Micro Tilt™
Truss Rod Nut: Bullet Style
Pickup Configuration: S/S/S
Bridge Pickup: Vintage-Style Single-Coil Strat®
Middle Pickup: Vintage Style Single-Coil Strat®
Neck Pickup: Vintage Style Single-Coil Strat®
Pickup Switching: 5-Position Blade: Position 1. Bridge Pickup, Position 2. Bridge and Middle Pickup, Position 3. Middle Pickup, Position 4. Middle and Neck Pickup, Position 5. Neck Pickup
Controls: Master Volume, Tone 1. (Neck Pickup), Tone 2. (Middle Pickup)
Hardware Finish: Chrome
Bridge: Vintage-Style Synchronized Tremolo
String Nut: Synthetic Bone
Tuning Machines: Vintage '70s Fender® 'F' Stamped
Switch Tips: White
Tremolo Arm Handle: Vintage Style Tremolo Arm
Strings: Fender® USA Super Bullets® 3250L, NPS, (.009-.042 Gauges)
Control Knobs: White Plastic
- This product will be ordered in from our suppliers as required. Please contact us for availability.
This item is normally sent to Mainland UK addresses by Interlink who generally provide a one-hour window of delivery on the morning of delivery by email or text message. If you need this item faster, please upgrade to a Before 12 service at checkout.
FREE delivery within mainland UK
UK Non-Mainland: £ 12
Rep. of Ireland and Mainland Europe: from £ 15 (calculated at checkout) International orders over £250 will show in the basket as FREE but we due to the size of guitars these attract an extra £ 25 shipping fee (international orders only) which we will contact you for afterwards.
Order this item before 4pm and receive it on the next working day, mainland UK only*
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Additional Information
On demo in store No Brand Fender Condition New
Other products to consider
Fender Classic Player 60s Stratocaster Electric Guitar, Sonic Blue, Rosewood Add to compare£786.00Ordered on Request*
Fender Classic Series 72 Telecaster Custom, Black, Rosewood Add to compare£757.00Ordered on Request*
Fender Special Edition Custom Telecaster FMT HH, Amber, Rosewood Add to compare£728.00Ordered on Request*
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text:
- (603) 724-4220
- firstname.lastname@example.com
*Only one submission per team per academic year.*
Owning/Managing Organization: FIRST
Program Description:
FIRST Combines the excitement of sport with the rigors of science and technology. We call FIRST Robotics Competition the ultimate Sport for the Mind. High-school student participants call it "the hardest fun you'll ever have." Under strict rules, limited resources, and an intense six-week time limit, teams of 20 or more students are challenged to raise funds, design a team "brand," hone teamwork skills, and build and program industrial-size robots to play a difficult field game against like-minded competitors. It's as close to real-world engineering as a student can get. Volunteer professional mentors lend their time and talents to guide each team. Each season ends with an exciting FIRST Championship.
Outcomes of Program:
FIRST Robotics Competition teams get to:
- Learn from professional engineers
- Master STEM skills
- Learn and use sophisticated software, hardware, and power tools
- Build and compete with a robot of their own design
- Improve teamwork, interpersonal, and communication skills
- Compete and cooperate in alliances and tournaments
- Understand and practice Gracious Professionalism™
- Earn a place at the FIRST Championship
- Qualify for $22+ million in college scholarships
Materials Needed:
Start a team, register and pay, build robots after challenge is released in January.
Time Details:
Several days per week January - April.
Cost Details:
There are never any "per student" fees; all costs for individual team members are assumed by the team as a group.
The annual fees for team registration, a robot kit of parts, and event participation range from $5,000 - $6,000. Additional costs for travel, food, team shirts and other optional items will vary.
FIRST offers many fundraising opportunities and teams are encouraged to create their own. Grants are also available, as well as sponsorships provided locally, regionally and nationally by many corporations. FIRST believes that no team that wants to participate should have to bow out due to lack of resources. They will do everything possible to make funds available to all teams who need extra help.
People Details:
Teams of 10 or more students and at least 2 volunteer professional mentors.
Prize Details:
Recognition Awards
Submission Details:
One per team.


text:
Commander PowerPoint Template
Subscribe & enjoy full access to our entire graphic design template library
- No hidden fees
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This is a collaborative walkthrough for Killzone 2. Please add any missing information to any section and/or correct any errors that you find.
Corinth RiverEdit
The New SunEdit
After the cutscene simply follow Garza along the walkway and through a room to the launch bay. Then head down the stairs to Natko for a cutscene.
Corinth SandsEdit
Okay, Follow your team around the corner and kill 3 Helghast on top of a building. Head through the next area and take cover against the bridge on the left and kill the guys in the building ahead. After that pick up an RPG ahead and destroy the fuel dumps on the bridge to the right and just kill the remaining Helgast in the area, then just follow your team through a trench to the next area. There just kill the machine gunners in the tower and on the APCs and use grenades to kill Helgast coming out of 2 APCs.
Stahl Arms WarehouseEdit
Verdran Overlook EastEdit
Storm Drain 11-34CEdit
Verdran Overlook WestEdit
Korovis DamEdit
Blood MeridianEdit
Landing Zone 33Edit
Dakurol AlleyEdit
Heavy CanalEdit
Wollan's ViewEdit
Verudan AlleyEdit
Cableway HeightsEdit
Cableway RoofsEdit
Visari SquareEdit
Prefect's OfficeEdit
Malik Back AlleysEdit
Ostoja EndEdit
Union Storage YardEdit
The SquareEdit
Salamun DistrictEdit
Canal BankEdit
Dushan Tower CourtyardEdit
Dushan Loading BayEdit
Corinth ShantiesEdit
Substation StrongpointEdit
Salamun BridgeEdit
Bridge EastEdit
Air Defense 22-12ILCEdit
Bridge WestEdit
Radec AcademyEdit
Academy RooftopEdit
A cutscene will soon takeover. It leaves you on the rooftop of the academy, left to defend yourself against a flying ATAC (Agile Tactical Air Component). There's a VC9 Rocket Launcher to take it out, but if you fire a shot at it the ATAC the ATAC will dodge it. There's a hall on the left of the bottom of the stairs that provides good cover for you and a good place to attack the ATAC. Note that if you see rows of glowing-blue electricity coils on either side of the rooftop. Fire the glowing-blue electricity coil with you m4 revolver or if you picked up the StA-18 Pistol When the ATAC is over it. Shoot you pistol at the glowing-blue electricity coil and it will disable the ATAC for a while. When the ATAC is disabled take out your rocket launcher and fire a shot at it. You need 4 shots to destroy it.After destroying the ATAC you have completed your objective and finished Salamun Bridge mission.
Suljeva VillageEdit
Suljeva NorthEdit
Maintenance OfficeEdit
Vojislav Mining FacilityEdit
Suljeva NorthEdit
Waystation 14Edit
Tharsis RefineryEdit
Suljeva MinetrainEdit
Tharsis StationEdit
Lower Refinery ComplexEdit
Processing ComplexEdit
Cross Facility ShippingEdit
Transportation ControlEdit
Central ObservatoryEdit
Tharsis Aerial DockEdit
The CruiserEdit
Landing BayEdit
Power RoomEdit
Air Traffic ControlEdit
Core ElevatorEdit
Emergency Stairwell CEdit
Launch BayEdit
Maelstra BarrensEdit
Cargo Impact SiteEdit
Industrial Ghost TownEdit
Grave of the New SunEdit
Visari PalaceEdit
Lazar HighwayEdit
Outer DefensesEdit
Inner CourtyardEdit
Autarch's SanctumEdit
Right when you enter a cutscene takes place where Radec apears and while discussing strategic plans with his bodyguards, he notices you and Rico and states that he will deal with you himself. After that, find cover and start killing the Troopers he sends after you. Peek, mark one enemy and shoot. It may take a while but you will manage to advance slowly but steadily. Also don't bother firing on Radec because its a waste of Ammo. For this stage of the battle keep either the M82 or the STa 52 assault rifle. When you advance more troopers will pour in and some will even assault you from behind. At one point, Radec will order his troops to bring down the chandeliers so make sure you are not under them. After that, the balcony doors will open up. Go up and kill the Pyro troopers from a safe distance. You should haveno problem defeating them and the other helghast trooper(s) that is/are up there. When you kill them take cover in the central area and keep the flamethrower close by. Use any weapon to deal with the troopers below but keep an eye out to the doors on the other side of the room. At some point, elite troopers will pour out of them, get down and go up to your balcony to assault you. That's where the flamethrower will come in handy. Cover one of the two balcony entrances and burn quickly the elites. Then wait until the elites from the other entrance are in range and torch them as well. Return to the central area but this time pick the sniper rifle. Keep killing the troopers but keep an eye on the doors close to Radec again. At one point, 4 support Troopers armed with Rocket launchers will come out and start firnig on you.I f you are covered you are safe. Peek out and mark one of them, then cover again to avoid the rocket barrage. Peek out again and put the sniper scope on the marked target and cover again. Peek out for a third time and kill the marked target. Repeat this procedure until all four targets are killed. Then you get a quick cutscene and a checkpoint. An ISA transport crashes in the room destroying the obstacles from the right side. However the Helghast will keep coming and sometime later, both elite troopers and suport troopers armed with Rocket launchers will assault you. The elites will try to keep you busy and in turn, exposed to rocket fire so slay them quickly. Repeat the above method to defeat the Support troopers afterwards. Use the sniper rifle. Then move close to Radec from the right side where the obstacles are cleared. Another cutscene and a checkpoint. This is where you get to fight Radec. He has the ability to teleport, so quickly go down to the ground floor. Every time you hear a weird electronic sound and you see a cyan flash, he teleports. The position he arrive is determined by the point of the flash. At first he tends to teleport behind you and try to stab you with his knife. Quite stressing because he is fast and sometimes he teleports rapidly. When you fire at him and he teleports out of your view, quickly turn the camera around. If you hear the teleport sound more than once rotate the camera until you find him. Close to the crashed ISA transport is a flamethrower. He is quite confused to say the least if he is fired upon by that weapon. He starts screaming in agony as he catches on fire. That makes him much easier to pot because you can see the fire even when he is invisible. However, use the flamethrower ammynition sparingly because it won't be enough to kill him. When you are out of Flamethrower ammo switch to a shotgun. There is one located close to the left balcony door. It is dangerous to get close to him but most probably he will get close to you. At some point he will get tired of chasing you around. He will teleport to the balcony and start firing on you. Get up to the balcony and fire on him with your shot gun until he teleports down again. Go down and repeat until your shotgun is empty too. Switch to an assault rofle or use your pistol to make him teleport up again. Make sure Rico draws his fire, then go up from the opposite side than the one he is on. Grab the sniper rifle and take him down. It shouldn't take many shots. Then you will get a cutscene where you see him commit suicide (All this ammo emptied right on him and in the end he kills himself:/ ). After that just move forward and enjoy the ending cutscene congratulating yourself for finishing the game. Enjoy!


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Modeling and simulation of an industrial secondary reformer reactor in the fertilizer plants
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In this paper, the industrial secondary reformer reactor has been modeled and simulated at steady-state operation conditions. It aims to modify a complete mathematical model of the secondary reformer design. The secondary reformer is a part of a subprocess in a higher scale unit of ammonia synthesis. It is located after the primary reformer in the ammonia plant where it is used in the synthesis of ammonia. The reactions in the secondary reformer reactor are assumed to be carried inside two reactors in series. The first reactor, upper section, is the combustion zone, while the second reactor, bottom section, is the catalyst zone with nickel catalyst based on the alumina. In order to create a reactor design model for the secondary reformer in the industrial ammonia plant, combustion and catalyst zones have been studied. The temperature and compositions of gas in the combustion zone are predicted using the atomic molar balance and adiabatic flame temperature model. In the catalyst zone, the temperature and composition profiles along the axial distance are predicted using a one-dimensional heterogeneous catalytic reaction model with the assumption that the reactions are first order in methane partial pressure.
Most of the methane is converted in the part of one fourth to one half of the catalyst zone length from inlet to outlet. The temperature gradient between the gas and catalyst surface decreases along the axial distance, and both temperatures approach the same value at the bottom of the catalyst bed. Finally, the results of this simulation have been compared with the industrial data taken from the existing ammonia unit in the State Company of Fertilizers South Region in the Basra/Iraq, which show a relatively good compatibility.
KeywordsAmmonia Autothermal reformer Steam reforming Reforming reactions Hydrogen production
carbon dioxide reforming reaction
State Company of Fertilizers South Region
methane steam reforming reaction
water-gas shift reaction.
The results of previous studies by various researchers mainly by Ebrahimi et al. [1], Khorsand and Deghan [2], Yu [3], Raghunandaqnan and Reddy [4], and Ravi et al. [5] have included the design and evaluation of the performance of a secondary reformer with different parameters.
Mathematical models which combine the predictions of the overall consumption of the reactants with a prediction of the product distribution are very scarce for the secondary reformer in literature. Only few research groups studied the combustion zone in the secondary reformer reactor explicitly. One reason might be the unavailability of the mechanism of methane and hydrogen combustion in the literature due to the wide distribution of detailed mechanisms for the combustion of natural gas only, which consists mainly of methane. Therefore, numerous researchers focused attention on the autothermal reformer which represented a stand-alone process wherein the entire natural gas conversion is carried out by an internal combustion with oxygen as presented by Amirshaghaghi et al. [6], Li et al. [7], Pina and Borio [8], Skukri et al. [9], and Hoang and Chan [10].
Conversional technology employs a single reactor and single nickel catalyst, but in this study, the reactor is divided into two reactors in series. The first reactor, upper section, is the combustion zone that is filled with inert gases from the primary reformer without catalyst; the combustion is carried out by adding an air stream, not oxygen as in the previous studies in autothermal reformer; in the second reactor, bottom section, which is the catalyst zone filled with nickel catalyst, the classic reforming reactions occur. The originality of the work lies in this proposal.
The results of the mathematical model such as mole fraction, temperature profile, and pressure drop of the combustion and catalyst zones will be compared relative to the industrial values taken from the secondary reformer reactor in the State Company of Fertilizers South Region (SCFSR) in the Basra/Iraq to show the degree of accuracy.
Mathematical model of combustion zone
An input–output model of the combustion zone based on global mass and energy balances using a simple mathematical model consists of atomic molar balance and adiabatic flame temperature with the assumption that the feed and inlet air to the reactor are fully mixed along the flame, that complete oxygen consumption is considered, and that the conditions inside and outside of the combustion zone are equal.
where FIN,1 is the molar flow rate of inlet process gases in the stream number.1 (kmol/h), FIN,2 is the molar flow rate of inlet air in the stream number 2 (kmol/h), FOUT is the molar flow rate of each gas from the combustion zone (kmol/h), Ftot is the total molar flow rate of outlet gases from the combustion zone (kmol/h).
where, ΔH is the enthalpy change (kJ/kmol), F is the molar flow rate (kmol/h), Hi is the specific enthalpy of the i-component (kJ/kmol).
Mathematical model of catalyst zone
where Rk is the rate of reaction for reaction k (kmol/kgcat·h), kk is the constant of reaction rate for reaction k (accordant to the Arrhenius constant), Ke,k is the equilibrium constant for reaction k (bar2), Kad,i is the adsorption coefficient of the i-component (accordant to the unit of pre-exponential factor for adsorption of i-component Aad,i), DEN is the denominator in the expressions for the reaction rates (dimensionless unit), and Pi is the partial pressure of i-components (bar).
where ηk is the reaction effectiveness factor for reaction k (dimensionless unit) and the Φ Thiele modules (dimensionless unit).
where De,k is the effective diffusivity of reaction k (m2/h). Di,mix is the molecular diffusivity of the i-component (m2/h). DKn,I is the Knudsen diffusivity (m2/h).
where Fg is the molar flow rate of gases in the catalyst zone (kmol/h), CP is the specific heat capacity (kJ/kmol·K), T is the temperature of gases (K), ΔHor,k is the standard heat of reaction k (kJ/mol), and ρg is the density of gases (kg/m3).
where Ts is the temperature surface of the catalyst (K) and h is the heat transfer coefficient (kJ/m2·K·h) which is represented as h = (Nu·K/DS).
where K is the thermal conductivity of gases (W/m·K), CP is the specific heat capacity (kJ/kg·K), Mwt is the molecular weight of gases (kg/kmol), and μg is the viscosity of gases (Pa·s).
where Nu is the Nusselt number (dimensionless unit), Pr is Prandtl's number (dimensionless unit), and Rep is the Reynolds number of a particle (dimensionless unit).
where P is the pressure of gases (bar), u is the velocity of gases (m/h) ,and Q is the volumetric flow rate (m3/h).
Solution procedure
The solution starts with an assumption of the initial total molar flow rate of outlet gases (Ftot) of the combustion zone. Chemical compositions and temperature are calculated using the atomic molar balance and the adiabatic flame temperature equations. Consequently, the final calculation results will be used as input data to the catalytic zone. The reaction rate equations are used with mass and heat balance to determine the temperature and composition profile for each component as a function of reactor length in the catalyst zone. The set of differential equations will be solved using the numerical analysis, Euler method. The iteration calculation will apply and repeat until the molar fraction calculation and reaction temperature will agree with the industrial value. Otherwise, a new guessing value of the total molar flow rates of outlet gases from the combustion zone will be assumed.
Results and discussion
Combustion zone
Actual operations conditions of industrial secondary reformer in SCFSR in Basra/Iraq[15]
Input feed process gas Stream 1
Input air Stream 2
Temperature (°C)
Pressure (bar)
Molar flow rates of the components (kmol/h)
Output data of the industrial secondary reformer and simulation[15]
Output of combustion zone (simulation data)
Output of secondary reformer(simulation data)
Output of secondary reformer (plant data)
Temperature (°C)
Pressure (bar)
Mole flow rates (kmol/h) of the components
Total molar flow rate (kmol/h)
Catalyst zone
In this section, the influence of temperature has been discussed for describing the effect of these parameters on the design of the secondary reformer relative to Basra Fertilizer Plant.
The effectiveness factor is an important parameter to predict the temperature and composition profiles for realizing the actual reaction rate with pore diffusion.
The theoretical results' prediction from the mathematical model has been compared with the industrial data collected from the manual and daily log sheet of the Basra Fertilizer Plant as summarized in Table 2. The results depicted high accuracy between simulation results and plant data.
The sharp increase in the H2 content is mainly explained by SMR and CDR as shown in Figure 3 along the catalyst bed. Thus, the hydrogen production is dominated by chemical reactions in Equations 10 and 12.
The sharp increase in CO along the reactor length occurred due to the methane steam reforming and water-gas shift reactions as shown in Figure 3 relative to the chemical reactions in Equations 10 and 11.
The CO2 generation is described by the reactions of water-gas shift and carbon dioxide reforming as mentioned in Equations 11 and 12. The increase in CO2 production occurred due to carbon dioxide reforming as shown in Figure 3. Then, the decline occurred due to CO2 which was consumed by the water-gas shift reaction because of the inversion of the water-gas shift reaction inside the catalyst particles. (It's negative along the axial distance from the top of the bed). Nitrogen and argon are constant along the reactor length because neither nitrogen nor argon reacted with any other components.
In the gas phase of the packed bed catalytic reaction system, pressure drop is one of the important parameters. From a practical point of view, the value of the pressure drop gives a good indication about catalyst performance inside the reaction shell. There are many reasons for the increase of pressure drop, for example, with a long time of operation; the catalyst may be thermal cracking due to the high operation temperature, so the value of pressure drop will increase.
In this section, the analysis of inlet and outlet synthesis process gases for the industrial secondary reformer reactor in Basra Fertilizer Plant has been carried out. The experimental part will investigate, specify, and tabulate the actual operation conditions of the industrial secondary reformer as summarized in Table 1.
Currently, describing the industrial secondary reformer reactor at Basra Fertilizer Plant, the industrial catalyst and the operation conditions must be understood with more details.
Physical characteristic of the catalyst[15]
Catalyst pellet
Model name
Nominal Size: OD × ID × H
19 × 9 × 19 mm
Chemical composition
NiO wt.%
MgAl2O4 wt.%
Filling density
1.070 Kg/L
The secondary reformer for hydrogen and nitrogen production is mathematically investigated by a series of simulation of operation conditions which have been collected from the documents of Basra Fertilizer Plant.
A mathematical model of the industrial secondary reformer in Basra Fertilizer Plant with all assumptions made had been completed. The theoretical results obtained have been compared with the industrial secondary reformer reactor details. The results show a good compatibility as shown in Table 2. The model predicts the temperature and composition profiles of the gas that leaves the combustion chamber and investigates the temperature and concentration gradient inside the catalyst particle. The value of pressure drop depicts low values along the axial distance of the catalyst bed; therefore, pressure drop can be assumed negligible. The overall reaction rate is mainly controlled by the diffusion rate. In the catalyst zone entrance, methane steam reforming and carbon dioxide reforming reaction rates at the catalyst zone inlet were considerably higher than the water-gas shift reaction. The diffusion into the pellet is relatively slow so that these conditions' mean reaction occurs before the reactant has diffused far into the pellet. The effectiveness factor < <1 means that only the surface near from the outer surrounding of the pellet is effective; therefore, the diffusion and effectiveness factor gave a good indication about the shape of the catalyst that is used in the catalyst zone as a ring without a central portion because the chemical reaction takes place at the outer surface. Finally, this simulation model depicts a high reliability for the designing and testing of an industrial secondary reformer, not for Basra Fertilizer Plant, but it is extended to any secondary reformer reactor in fertilizer plants.
We acknowledge the full cooperation of the State Company Fertilizer Plant South Region in Basra/Iraq to introduce the industrial data for this investigation.
Supplementary material
Copyright information
This article is published under license to BioMed Central Ltd. This is an Open Access article distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/licenses/by/2.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.


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I HAVE been asked for a valedictory, a final digest of the wisdom acquired during the last six years here as well as a truthful explanation of why I am coming down off the column. You wish. This is still New York and I have Newsheimers disease. Be grateful for what little I remember.
No. 1, I learned you can never go wrong pretending to care about animals.
People think that if you care about animals, you must be secretly decent. They tell us that pit bulls are a misunderstood breed, that there are good and bad pit bulls, like good and bad AK-47's, and anybody who gives a misunderstood breed a good home can't be totally worthless. Especially if he also offers the pit bull a job with high self-esteem, like competing in blood sports against other pit bulls.
Am I making this up? Could I make up the recent seminar offered by the City Bar Association on evacuating pets during a meterological or bioterrorist disaster? See you on the Joe DiMaggio Highway.
Worse, ever since I went to the International Cat Show, I have been getting letters and calls from women to come up sometime and play with their cats. If I hadn't sensed that was exactly what they meant, I might have gone. I was right, of course. As soon as I wrote about Rover, my new cat, the letters and calls stopped.
Rover is the reason I have to stop writing this column. There is not enough time to relate to people and to tend to Rover. He requires an enormous amount of time, most of it spent waiting for him to wake up.Continue reading the main story
He wakes up at 6 A.M., tears around the bedroom with his mouse toys until he's sure I can't go back to sleep. Then he goes back to sleep until evening when he crawls out to whine for food. He doesn't like dry food, he likes wet food. He prefers vanilla ice cream, although he will eat Berkshire Espresso Crunch (which means I don't get Starbucks Java Chip, the best of all time).
The furry fathead deigned to rub my leg the night I gave him tuna I had cooked. Then we had to watch ''Emergency Vets'' on Animal Planet. When do I get a life?
No. 2, I learned that while white guilt may be justified, it can also be endlessly amusing and convoluted.
Ever since my college classmate Ed Weinstein reported on the con man he called Red because of his light-skinned, freckly face, hundreds of Red's marks have called and written to be included in the club. These affluent middle-aged men, even more of them than the seductive cat women, wanted the world to know how great a con man Red was because he had conned them.
Red's modus operandi was simple racial genius. Affable, nonthreatening, on sunny afternoons on midtown streets, he would approach self-confident-looking men and ask if they remembered him.
In a minute or two he convinced them he was the son or brother of the only black person they knew; a garage attendant, perhaps, or a maid, who was right at that moment waiting in a Bronx hospital bed for Red to visit. But Red's car had just run out of gas and he was broke. He rarely asked for more than $30 and demanded an address so he could repay the loan the next day.
Red disappeared for a while after the columns ran. But he is back again, working Park Avenue in the 60's, according to letters and E-mails. When Ed cornered him recently, Red asked Ed if he had seen the good write-ups in The Times. Red will have an agent and a deal soon, and there will be no back end for Ed or me.
Red is the reason I have to stop writing this column.
No. 3, I learned that people have an infinite capacity for empathy and fellowship.
The death of my mother, a five-month slide into stillness, was made more bearable by notes from hundreds of readers, cat women and conned men alike. They reached out in the truest way. They shared their feelings of mortality and helplessness when their parents died. They told me that I would probably make peace with her death soon, but that the sense of loss would linger.
My father found enormous support and comfort in the letters. Some were addressed to him, and between answering them and trying to get Medicare on the phone, he was busy until recently, when he finally got back to his garden and his books.
Last week, he told me if I stopped writing the column, I would disappear. He offered topics. At 95, Dad has come to love basketball, particularly the Knicks' Latrell Sprewell. After I told him about Sprewell's choking his last coach, Dad wondered if the coach may have deserved it for being an authoritarian nasty, like Mayor You Know Who.
I told Dad that Rudy is the reason I have to stop writing this column.Continue reading the main story


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This casting was a blast! Klara is very well fit for her role on the casting sofa. Check out this video and you'll see that I'm right. There is just one catch to it – don't listen to her. Focus solely on her body. This is essential. This chick has a goddess-like body! She has curves of the perfect porn star. Plus a super-tight pussy. It was made for fucking. You'll see that this equipment will get her far in the world of porn. Hey buddy, fuck her, just don't forget and don't ask her anything! You'd better trust me.


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text: A Ghost Piece is a shadow of the currently-falling Tetromino. It shows the position that the Tetromino will fall into. It appears in a number of Tetris games. Retrieved from "http://tetris.wikia.com/wiki/Ghost_Piece?oldid=12384" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Miscellaneous Add category Cancel Save