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Claims management companies
Claims management companies explained
By Dean Sobers
Article 1 of 2
Put us to the test
Our Test Labs compare features and prices on a range of products. Try Which? to unlock our reviews. You'll instantly be able to compare our test scores, so you can make sure you don't get stuck with a Don't Buy.
Claims management companies explained
Find out what a claims management company can do for you - and whether it's really your best option for reclaiming PPI.
Watch daytime TV or flick through the classifieds in your local paper and you'll soon see adverts for claims management companies (CMCs).
With statements like 'Write off all your debt' and 'You could be owed thousands!', they are designed to make you speculate about the thousands you may have paid for mis-sold insurance. But the fact is you don't need to use a CMC to get any money owed to you. You can just as easily do it yourself, by following advice on the Which? Consumer Rights pages.
What are claims management companies?
'Claims management' may conjure images of solicitors dealing with personal injury claims, but there are a large number of claims firms which specialise in financial services claims - from consumer credit agreements, such as credit cards and loans, to bank charges and PPI.
Many CMCs also advertise themselves as being able to write off credit agreements, especially credit cards and loans. They claim that they can wipe out debts on credit agreements taken out before April 2007 - but we don't feel that this is a responsible practice - see CMC checklist.If you're thinking about using a CMC, we suggest that you think again.
When our undercover researchers called 45 of these companies about reclaiming PPI and bank charges, almost a third had serious shortcomings – exaggerating success rates, discouraging customers from pursuing claims themselves or failing to be upfront about charges.
The Financial Ombudsman Service (FOS) has also expressed concern about whether such companies are of any benefit to consumers, particularly because of their high fees.
Since late 2006, these firms have been regulated by the Ministry of Justice, which has also issued warnings about upfront fees and misleading statements - such as 'guaranteed' and '100% success rate' - and a number of companies dealing with financial services have had their licences cancelled or suspended by the MOJ.
How CMCs can work
PPI makes loan or credit card repayments if you're unable to work or lose your job. But it has often been mis-sold, with consumers believing that PPI was mandatory or not knowing it was included. Some policyholders would never have met their policy's criteria for a payout.
If PPI has been mis-sold, you can reclaim premiums paid in the last six years, either from the company that sold the policy or, if it doesn't cooperate, you can take your case to the Financial Ombudsman Service (FOS).
A CMC will try to persuade you to let it process this claim on your behalf, taking commission of upwards of 25% if it's successful. While this could take some hassle out of claiming yourself, a recent review by the FOS noted that many PPI cases overseen by CMCs lack adequate information, which can delay the process.
Some CMCs also offer to claim back unfair overdraft charges, even though their chances of getting a good result in the short term are slim. Although the bank charges test case is still going through the courts, banks have been told that they're not yet obliged to process claims for unfair charges. And despite this wait for a result, you can still submit a claim yourself to your bank now.
Since 28 January 2015, complaints about CMCs have been handled by the Legal Ombudsman, which holds powers to force companies to pay compensation or provide other forms of redress.
Have you used a claims management company?
If you've used a claims management company to get PPI redress, tell us about your experiences at firstname.lastname@example.com.
- Last updated: August 2016
- Updated by: Dean Sobers


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Latest deals for Aksa Beach, Mumbai hotelsShow all Mumbai Aksa Beach hotels
Suggested Mumbai hotelsShow all Mumbai hotels
Resort Hotel Mumbai
Aksa Beach 7.6 /10Good
Mumbai Aksa Beach hotels map
View mapMumbai, Aksa Beach intro. Located east of India's largest city Mumbai, in the state of Maharashtra, Aksa Beach makes a welcome getaway from the hustle and bustle of the busy centre. Still managing to avoid the vast majority of the millions of people that live in the metropolitan district, this quiet area of beach is one of the cleanest in the city. It's a peaceful stretch of sand that, unfortunately, is dangerous for swimming due to the shifting currents and sands that make up the coastline. However, nearby Dana Pani is safer and just a few minutes away on foot. Away from the sand, Aksa Beach has an interesting Hindu temple that makes a pleasant walk, and there is an unexpected aeromodelling club a little farther inland which often attracts children. Aksa Beach hotels are limited to a handful of mainly high-end resorts close to the water, with a full range of facilities in most cases.
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subset: commoncrawl


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Thursday, July 30, 2015
Helping children deal with death
Sunday, July 26, 2015
Music lovers
The past couple of months we have been blessed with a talented music teacher who brings her jazzy guitar and her bubbly personality to Partners In Learning. It was intended for her to sing with the older classrooms and we were accidentally left out of the classes until one day I said hey what about the infants, they love music too. So our wonderful music teacher joined us one Wednesday morning about 8:45. The infants were really not sure about her right off the bat, but once she opened her mouth to sing and play with her magical fingers, they were hooked. I was amazed of how drawn they were to her. She only plays for 15 minutes a week.
Having another person come into our classroom to give the infants an opportunity to hear music has made our weeks more enjoyable. She brings us new songs to teach our babies and gives them the same inclusion as the rest of the center. We have become really close with our music teacher and she provides us with lively entertainment. These babies have come to really love her. One infant gets so excited she bounces, claps and smiles when she hears her voice. That is what music is all about. It shows us teachers how the infants respond to the tone and volumes of the music that they hear.
This helps us when we are accessing the children later for developmental goals. So parents get out those drums, guitars and other musical instruments and play for your baby. It doesn't have to be perfect they don't judge us. They just want to move with you, move with you, They just want dance with you, dance with you.These are some words from one of the songs we sing. So play that funky music, get down tonight and fly away. Music is a great thing for the soul.
Beach Safety
Food and Water: Beach picnics are delicious, but the hot temperatures can quickly spoil food that is not preserved correctly. Avoid mayonnaise-based foods, and keep cold food cold and hot food hot. Since maintaining proper food temperatures at the beach can be challenging, try to pack non-perishable items, such as peanut butter sandwiches or dried fruit. Everyone, especially active children, must drink plenty of water to avoid dehydration.
Marine Life: Jellyfish are common visitors to many beaches, so teach kids to keep their eyes peeled for these stinging animals. Dead jellyfish can still sting, so tell kids not to poke or prod animals that wash up on the sand. Though shark attacks are extremely rare, follow simple rules to minimize the risk even further. Be aware of shark danger in your area. Do not swim if you are bleeding, and avoid the ocean during twilight hours. If the water is murky or fisherman are nearby, avoid swimming or wading.
Rules: Children should follow all instructions from lifeguards. Pay attention to flags and signs that warn visitors about tide conditions and the presence of marine life, and teach your kids to watch for these helpful indicators.
Beach trips can be very memorable when following the above suggestions.
So. Have fun, be safe!
Thursday, July 16, 2015
Every child deserves to be loved especially when they don't seem to deserve it
Wednesday, July 15, 2015
New and old friendships: How early do they begin?
|Friendships start at a very early age and its all in the proof of a picture. Approximately 53% of infants spend at least 10 hours a day with a childcare provider and other children. This is where the bonding begins. In my years of teaching young children, I have learned that friendships begin really young. How young you ask? Well in my own experience it started in the womb. I started working with a girl 17 years ago at a child care facility. We both knew each other through mutual friends and quickly learned that we were both expecting. Not only were we expecting girls, we were expecting close together. So immediately we started planning what our little girls were going to do when they grew up and that we would make sure that they grew up and stayed friends forever.
Well things didn't happen the way we had planned, my friend ended up delivering her baby girl early and had to leave the job. We didn't speak much after and of course we went our own way. Months passed by and I decided to move childcare centers and place my daughter with me. It was just like a scene from the movies, here comes this cute little girl with her mom and grandma. I looked at the girl twice and said " oh is she starting here"? This must be fate, both our little girls were together again. These two were friends instantly. I only can think of what we were in for. They both had very different personalities, likes, dislikes and weird thing was that they seemed like they knew each other forever.
What is the reason for this story, well these two girls are 16 years old and they are still best friends and live 45 minutes away, attend different schools, have likes, dislikes, different friends but yet when they get together its like they have never been apart.
This summer we were on a trip to the beach and because social media is such an important role in most of our lives; a post was on a site that we were only hotels away from each other and they wanted to meet up. So what do two moms do, they meet up and get them together even if it is for 8 hours. These two were able to catch up on some rays, laughs and memories.
This story shows that babies do learn about other infants in the womb and that infants are building relationships even at 6 weeks of birth. Letting infants sit with others during circle time and play time helps to build social skills and interactions. So when you are leaving your infant with his/her teacher and classmates just think of the friendships that your child will be making.Brooklinn and Emma


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Customer Reviews
What You'll Get
Cupcakes are a reasonable compromise for cake cravers who just want a snack and acrophobic wedding figurines. Garnish these reasonable treats with this Groupon.
Choose from Three Options
- $45 for admission for one to The Mega BYOB Cupcake Party (a $95 value)
- $85 for admission for two to The Mega BYOB Cupcake Party (a $190 value)
- $319 for a private Mega BYOB Cupcake Party for eight (a $760 value)
During the 60-minute party—once attended by Mila Kunis—cake artist Kody Christiansen supplies participants with all of the necessary tools and tips needed to mix their own frosting, decorate their cupcakes, experiment with an airbrush machine, embellish with edible gold, and try their hand at creating three-dimensional buttercream flowers. Participants leave with four custom-decorated treats.
The Fine Print
Promotional value expires 120 days after purchase. Amount paid never expires. Limit 1 per person, may buy 7 additional as gifts. Limit 1 per visit. Valid only for option purchased. Reservation required. Must be 10 or older and children must be accompanied by an adult. Must be 21 to drink alcohol. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.
About Cake and Art
For 36 years, Cake and Art's kitchen has yielded batch after batch of imaginative desserts, including birthday cakes for celebrities such as Oprah Winfrey, Bill Clinton, Jay Leno, Britney Spears, Katy Perry, and Justin Bieber. Behind the scenes at the acclaimed shop—whose work has graced the cover of Life magazine—the skilled staff churns out a surfeit of cupcakes, cookies and brownies, and chocolate bars with creatively customized labels. Their specialty cakes boast foundations of vanilla, chocolate, carrot, red velvet, or lemon, and they often personalize the ubiquitous party treats with customer's photographs and themed designs. The shop's cupcake artist, Kody Christiansen, hosts cupcake-decorating classes and private parties that teach attendees a tier of skills, such as how to create a buttercream flower and how to profit from buttercream botanic gardens.


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42,457 ways to enjoy music...
This product is currently not available for purchase
Apologies, this product is now discontinued. Rocksmith 2014 Edition is the newer version and can be found here.
Product Ref: 30166
Rocksmith developers, Ubisoft, present the first and only game where the controller is a real electric guitar. Nothing plastic, nothing childlike, just the most authentic guitar experience in music gaming. Gear4music presents budding guitarists with a great value guitar package with the Rocksmith authentic guitar game.
By plugging the Harlem Electric Guitar into your Playstation 3 console, you'll develop real skills in real styles while playing real music. Featuring gameplay that will automatically adjust to your personal skill level and a unique and innovative game design that will make playing great guitar music visually intuitive, Rocksmith will even engage experienced musicians as well as those who have never picked up a guitar before in their life.
Rocksmith also offers you the chance to download new songs from Playstation Store. With an ever expanding library of songs Rocksmith truly is the future of guitar games.
With Rocksmith on PS3 you'll unlock various fun mini-games that will hone specific guitar playing skills. You'll also be able to choose from a large number of songs (See Below) in different styles. Experience it all with this Harlem Electric Guitar by Gear4music.
Rocksmith includes a unique quarter-inch to USB cable that is the first of its kind and allows users to plug in the Harlem Electric Guitar with a quarter-inch jack directly into your PS3. Developed exclusively for Rocksmith, this 11.25 cable turns the guitar's signal from analog to digital, allowing it to be recognised and played through your games console for the first time.
Turn your Playstation 3 into an electric guitar amplifier and play with a huge number of in-game effects pedals, amplifiers and cabinets. You can string pedals together with a nearly infinite number of combinations and you'll be able to tweak your sound until you're satisfied. Whether it's a crunchy distortion, a vintage tremolo, or a psychedelic reverb Rocksmith has it covered to make sure you can achieve the sound you're looking for.
Do you want to play new songs but don't want the laborious task of going through tablature or cringing through poorly produced videos? No problem, Rocksmith will not only present you with new songs, but will also challenge you to step away from the notes on screen and play songs by memory.
Click on the link below to view a full song list:
The body has a superior finish, giving your guitar the deeper, sophisticated look you'd expect from a guitar made by other leading brands.
A slender shallow contour neck ensures a comfortable playing experience. The body is made of paulownia wood; a particularly lightweight wood that helps our guitars provide full tone whilst remaining surprisingly lightweight and comfortable. The gentle side body curve also makes sitting to play this guitar a breeze - great for long practice sessions!
The combination of one open coil and one closed high output humbucking pickup provides a full tone, and response to the distortion you need for modern rock and metal without becoming muffled. The Harlem Electric Guitar pushes the envelope further to ensure you get the sound you want as well as the look.
This guitar was awarded 4 out of 5 by Music Radar - a leading online publication for musicians.
"We enjoyed thrashing away on the guitar and, to its credit, the Harlem Electric Guitar withstood a serious amount of abuse."
"...the Harlem Electric Guitar holds plenty of potential, bolstered by a likeable tone and the all-round fun image." Paul Salter, Guitar Buyer magazine
"Acoustically the Harlem Electric Guitar is bright and loud with decent balance and sustain. It certainly looks the part, and plugged in it sounds the part too." Guitar and Bass magazine
Click the link below to listen to an MP3 of the Harlem Electric Guitar being played through the 15 Watt Guitar Amp by Gear4music:
Pickups & Hardware:
Gear4music have teamed up with some of the best manufacturers from around the world to develop our own line of music equipment. Our goal is to provide our customers with a wide choice of high quality, sensibly priced musical instruments.
Using our many years of collective experience we have developed a wide range of instruments and equipment including drum kits, acoustic and electric guitars, woodwind, brass, string instruments and speaker systems. We are proud to offer these to our customers alongside hundreds of other well-known brands. Working closely with our carefully chosen manufacturers, we endeavour to produce reliable, great sounding instruments at a price that is accessible to all. Our musical equipment is made to the same exacting standards that you expect from other highly regarded brands - this is backed up by our standard 14 Day Money Back Guarantee.
Gear4music products are produced ethically and responsibly to meet the expectations of a caring world.
The product price includes 5 years' warranty and 180 day money back guarantee.
However, the Gear4music extended warranty scheme provides an enhanced service, and is designed to offer a higher level of protection than many 'free' warranties offered by some retailers and manufacturers.
The highlights of this enhanced warranty service are:
Please note that this extended warranty is currently only available on products sold within the EU or EEA, and is subject to the terms and conditions as detailed on the extended warranty certificate provided.
For customers in outlying areas of the country, the price of the Extended Warranty may be marginally higher, due to the potential for higher collection and redelivery transport costs.
This enhanced warranty is in addition to the standard Gear4music and manufacturer warranty policies, and the Gear4music terms and conditions of trade. No statement or condition of sale contained within these terms affects or restricts your statutory rights as defined under the Consumer Contracts Regulation 2014.
Once the product is delivered, you have 180 days to decide that you definitely want to keep it. If you decide it is not suitable for any reason, you can return it back to us for replacement or full refund, including standard delivery charges.
All Products are new unless stated, and include a minimum of 2 years warranty.
Some items are only eligible for money back guarantee if they are returned to us unused and sealed in the original packaging, and in the case of software, unregistered. These items include:
We are unable to accept returns of any custom made items designed to work together as a unique package, such as computer system built to a customer's personal specifications. Exceptions may only be possible with prior agreement of the vendor, and may be subject to a cancellation fee.


text: Well I don't have any old Glock's but I'm working on buying one of each. I currently have 7 (G21, G17, G32, G34, G19, G26, G22). Not sure which is next, looking at the 36, 27, or 23. I'm signed up for the Glock armor course in July and looking forward to it. Wish I could find the Glock 380's. Maybe I'll get lucky one day.


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Kerri Cronk, an anchor at KSTU in Salt Lake City, is recovering from serious injuries sustained in a hit-and-run accident over the weekend.
Cronk, who anchors the morning show at the Fox affiliate, was riding her bike around 6 p.m. Friday evening when a white car pulled out of a parking lot and into her path. Cronk said she had only seconds to react before her bike collided with the vehicle — which then sped away. "I vividly remember the back of that car, and smashing into the back of that car. That's my last memory," Cronk told the station in an interview (video above).
Cronk was found by Bill Hubbard, a resident who saw her on the side of the road and called 911. She is recovering from a slew of serious injuries, including a broken neck, a dislocated shoulder, a concussion and various cuts and bruises. Cronk was wearing a helmet — which she says likely saved her life.


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Directed by Mort Nathan
R, 95 minutes
Whom do you feel sorrier for, the cast of ''Boat Trip'' or their children? Remember, kids can be very cruel -- and this latest ''get Cuba Gooding Jr. career counseling fast'' project is a misfire from beginning to end.
Mr. Gooding plays Jerry, who is in mourning over the breakup of his relationship with Felicia (Vivica A. Fox). The barking hound-dog Nick (Horatio Sanz) talks Jerry into joining him on a singles cruise, but the travel agent they anger gets his revenge by booking the pair on a gay singles cruise. ''Boat Trip'' goes down faster than the Titanic and is far more deserving of its fate.
''Boat Trip,'' which opens nationwide today, is a series of flashing semaphores that signal its dreariness. It has the most exhausted collection of song clichés this side of a Time-Life oldies collection, from James Brown's ''I Feel Good'' all the way to the eventual cover of ''I Will Survive.'' What's missing from this motley medley is a tune by Cuba Gooding Sr.: ''Everybody Plays the Fool.''
The junior Gooding has shown himself to be a game actor, and he is fearless at throwing his entire being into pictures that seem to exist to prove that he can be in something worse than the last movie you saw him in. If ''Boat Trip'' were screened on a cruise ship, most of the passengers would be dog-paddling back to shore.
''Boat Trip'' is more tiresome and dumb than actually bad. A scant 10 minutes or so after Mr. Sanz has wrung every exasperated take out of his surprise at being on a gay cruise -- and still goes on with it anyway -- the movie introduces something that could only pass as a subplot to people stranded at sea. The Swedish women's suntanning team joins the cruise, giving Nick another reason to pop his eyes wide open. And another reason to flinch -- he is kept at bay from the brown-and-serve cuties by the authoritarian tanning team captain, Sonya (Lin Shaye, in another of her grim-visaged roles). When Nick isn't being chased off by Sonya, he is being stalked by an aged gay pursuer, Lloyd (Roger Moore).
Jerry finds his own heartthrob on board: the ship's dance instructor, Gabriella (Roselyn Sanchez), a straight woman who is working a gay cruise to put some distance between herself and lying hetero men. What happens between the two of them is as predictable as the never-ending phallic jokes -- a surfeit of single-entendres -- that are festooned across the boat decks by the director, Mort Nathan. The legend ''A Mort Nathan Film'' got one of the biggest laughs at the depressed screening I attended.Continue reading the main story
Between Mr. Gooding's relentless energy and Mr. Sanz's impish gleam -- he may be the only heavyset ''Saturday Night Live'' cast member whose comic approach isn't inspired by self-hatred -- they have the potential to make a likable comedy team. But it's unlikely anyone would pair them again after ''Boat Trip'': the foreign film Oscar nominee from the Netherlands will enjoy bigger box-office returns than this picture.
Probably the next time we see Mr. Gooding on screen, he'll be getting a stern lecture on learning to love himself from Dr. Phil.
''Boat Trip'' is rated R (Under 17 requires accompanying parent or adult guardian). It has strong language, more unwieldy sex gags than can be found in the collected ''Playboy Party Jokes,'' and drug and alcohol consumption. ELVIS MITCHELLContinue reading the main story


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11-14-2013 #1hilongo Guest
PlayStation 4 / PS4 Game Backups Surface on Internet, Details
According to doskias on a Chinese BBS some Sony PlayStation 4 / PS4 Game Backups have surfaced on Internet torrent sites and TTG Tracker with details below and additional pictures HERE, as follows:
- Killzone Shadow Falls: 37.4GB
- Knack: 39.3GB
- Battlefield 4: 32.5GB
- AC4 Black Flag: 20.22GB
Reportedly THIS ASUS Black 12X BD-R 2X BD-RE 16X DVD+R 12X DVD-RAM 8X BD-ROM 8MB Cache SATA Blu-ray Burner BW-12B1ST/BLK/G/AS drive was used for ripping the PS4 / PlayStation 4 games with details on the PS4 External HDD Layout as well.
Both games contain single PKG that contains whole data, as well as "RIF" file that is used for storing purchase data to activate digital contents from PSN Store.
[Register or Login to view code]
This seems interesting and today I've got my Killzone SF and COD Ghost from gamestop. I tried loading them on my PS3′s BD-ROM it couldn't read them. Maybe it was too obvious lol, however it seems that PC's BD-ROM could read them.
Update: Two more games are released as well. Can't really reveal the original source because they're so strict about their security. My friend is the one of the members over there.
Update #2: UP9000-CUSA00190_00-KZ4RELEASE000041
It looks just like the one of those PS3′s typical PKG files..
From PS3 scene profiteer GaryOPA: The problem with the new PS4 setup, is EACH DISC contains an unique LICENSE.RIF file that tracks the 'actual disc' itself on what PS4's it is used, and when it is first used, etc.
So a dump of disc if running on ODE, or CFW would be missing the 'unique tracking' codes, and would never activate on a PS4 console.
It is hard to do right now as you need to disassemble a PS4 to prove this 'unique tracking' code, but you can't play the same ACTUAL DISC in TWO PS4's at ONCE.
Of course this brings up the 'USED GAME' re-sell cause again, since the PS4 game discs use RIF just like PSN activate, Sony can at a push of a button disable your LICENSE for JUST that ONE ACTUAL GAME DISC, blocking the use of used game disc on OTHER systems.
The way 'gamediscs' are setup now they are basically PSN store versions on a 'disc'.
100% the same files, one giant PKG, a parma.sfo and rif file.
It does make a big of sense, management wise, handling game discs and digital psn is the same both from publisher and sony and os side. They could also now quickly release a PSN game that becomes a hot-selling into a retail gamedisc, just throw the file onto a disc.
They could now also release a time-limted or demo-gamedisc at the retail level but it really wouild be the full same gamedisc, you just input a code online or activate the FULL version from the PSN store.
Yep, t is possible the way PS4 games are lay out, you could basically burn your own, or install with usb stick, just then you need a 'full license' file activated from the PSN store to play it.
Nope, PS3 does not see them correctly, they more like normal PC Blu-Rays now, see this image from news post.
Update #3: Following up on his previous update, below are some additional details from Sony PlayStation 4 hacker SKFU (via skfu.xxx/2013/11/ps4-game-dumps-hdmi-fail-more.html):
PS4 - Game Dumps, HDMI Fail & more...
Sleeping sucks, you miss news of different timezones for sure. So, what did happen while I slept?
1) PS4 Game Dumps
According to an A9VG member, PS4 games can be dumped with a common PC Blu-Ray drive. It seems that already a few games were dumped, inlcuding Killzone, Knack, Battlefield4 and AC4. As soon as I get access to a disc or dump myself, I will do an analyse of the containing files.
2) HDMI Fail
What happens if you force students to build your Next-Gen console under pressure? Well, they might return you faulty HDMI jacks.
IGN, Kotaku and many more individual users report that their PS4 video output stopped working. The console apparently is unusable for those who experienced it.
3) For those who already received a console
Sadly i'm still looking for a PS4 unit, if you can help me to get one contact me.
In case you got a unit for yourself, here are some examples of what has to be tested:
- Before powering up the unit for first time, make a 1:1 dump of the HDD
- Explore the HDD dump
- Dump a game disc
- Burn the dump to an empty BD
- Check if the PS4 recognizes the disc
- Check any files which can be transfered from PS4
- Savegames, etc
- Install a modified firmware
- Use my PS4FwTool
- Extract 2 firmwares
- Rebuild a new firmware based on both output
- Possible brick! Do at your own risk!
- Recovery menu should bring you back in case of faulty firmware, but only do this if you actually are aware of the risk and know what you do!
- Sniff anything
- Use SKFU's Proxy and/or Wireshark to check the network behavior
- Find unencrypted traffic transfers
- Modify the Companion Tool (iOS/Android)
- Intercept game traffic between Companion Tool and PS4 game etc.
Happy hacking,
In summary:
Known working BDROM drives:
- Asus BW-12B1ST (asus.com/Optical_Drives/BW12B1ST/)
- Samsung DVDWBD SH-B083L (samsung.com/us/support/owners/product/SH-B083L - Mediatek MT1939LSU controller)
- LG BH16 Super Multi Blue (lg.com/global/supermulti/bluray_products/bh16.html)
Known not working BDROM drives:
- LG BH10LS38 (lg.com/uk/support-product/lg-BH10LS38)
- Panasonic UJ-240 Laptop Drive (No site available) (aka Matshita/Panasonic/Matsushita BD-MLT UJ240AS)
More PlayStation 4 News...
11-14-2013 #2Administrator
- Join Date
- Apr 2005
- Posts
- 25,040
I will add this to the main page shortly, thanks for the heads-up hilongo!
11-14-2013 #3Administrator
- Join Date
- Apr 2005
- Posts
- 25,040
PS4 External HDD Layout
More pics for the above article... also from GregoryRasputin:
The PS4 can use an external HDD for many things, such as storing game saves and share files, but an external HDD can also be used to transfer files to the PS4, such as images and audio.
On the root of the HDD we have the usual 'PS4' folder, but individual games or appscan also have a folder outside of 'PS4' on the root directory, games or apps such as Sharefactory and Samurai warriors 4, here are some images to show what I'm talking about:
11-14-2013 #4HeyManHRU Guest
This is very interesting, I wonder how the PS4 Scene will turn out. Hopefully it isn't just a couple of Dev's trying to make money by selling devices that enable backups but I wouldn't mind having that either.
11-14-2013 #5ahmedabdallah Guest
ok nice
11-14-2013 #6lieankatwa Guest
oh... rip games ps4
11-14-2013 #7Emiya Shirou Guest
back-up games alredy? and the console is not even out yet
11-14-2013 #8ripplar Guest
can't wait i have pre-order so i will try this..
11-15-2013 #9shummyr Guest
I am not really surprised that dumps of games have already been released, but what is suprising is the fact that the disc version is just a psn version basically.
11-15-2013 #10drphuz Guest
This is gonna be fun. ReactPSN all the way baby. Something tells me we will pwn this way faster than ps3. Any one try qa button combo yet? Hmmmm?


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Edit Article
wikiHow to Teach Pet Rats to Jump
Three Parts:Before startingThe training processRepeatingCommunity Q&A
Just as with dogs and cats, rats can easily be taught tricks if given time and patience––and treats! In this article, you will learn how to teach your rats to jump.
Part 1
Before starting
1Assemble the items needed. These are listed below, in Things You'll Need.
2Put tacks one inch (2.5cm) up on both of the toilet paper rolls. Continue adding tacks every inch (2.5cm).
3Lay a pencil on the ground directly in between the two rolls.
4Get your treats and clicker ready. Make sure that your rats know that you have the treats.
Part 2
The training process
1Lead your rat through the two rolls with your treat. As soon as your rat walks through, say "jump" (or whatever you'd like your rat to connect it to) in a firm voice.
2Give your rat the treat and click your clicker.
3Repeat this until your rat will walk through the rolls when you say "jump."
- Note: this may take a long time. Some rats may catch on in a few days, but for others it can take a long time to become comfortable doing this. Don't get frustrated if your rats aren't understanding at first.
4Balance another pencil on the first tacks of each roll, creating a hurdle. Lead your rat over the pencil (this, too, might take a while).
5When it jumps over the pencil, say "jump" (or whatever you said previously). Click your clicker, and give it the treat.
6Repeat this until your rat will jump over the pencil when you say "jump."
7Add another pencil to the tack above that, and repeat. Keep raising the pencils until you are at the last tack.
Part 3
Community Q&A
Can I train my rat to walk on a tightrope?wikiHow ContributorYes. It does take time, depending on your rat. Make sure you don't place the rope high enough to where they can fall and get hurt. Try using a thicker rope or even a thin piece of wood. It takes patience, so don't get irritated with him/her.
How long does it usually take?Some rats may catch on in a few days, but for others it can take a long time to become comfortable. Make sure you don't place the rope so high up that they can fall and get hurt. Try using a thicker rope or even a thin piece of wood. It takes patience, so don't get irritated with him/her.
Ask a Question
200 characters leftSubmit
Things You'll Need
- Two paper towel or toilet paper rolls
- Multiple tacks (or you can make your own out of paper)
- A few pencils (or cardboard strips––these will be used as hurdles)
- Some kind of treat (Cheerios, yogurt drops, fruit, etc.; make sure it is safe for rats, and don't overfeed!)
- A clicker
Article Info
Categories: Training Mice and Rats
Thanks to all authors for creating a page that has been read 2,174 times.
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"They don't know what they are missing out on..."
Sitting among colorful artwork is a woman who loves poetry and writing. Books are her passion, and she loves to write her own poetry.
Ruth Dunn, who is a resident at Park Place in Mt. Pleasant, shares her love of books and writing with her children and grandchildren. "I have been writing since I was four years old, it just comes natural to me. I love sharing the nursery rhymes with my children," Dunn says.
In the busy world today, not many children read and write like they used to. Dunn agrees with that statement and says that "it is sad, it really is, because they should know so much more about writing and books than they do, they don't know what they are missing out on, which is the best part of their lives."
She can even still recite some of the poetry she used to as a child. She recited "Old Maid's Burglar" from memory and the poem is rather humorous. One can see the love she has for the craft and she became in tune with the beat of the poem.
Dunn also loves her books. She is able to order them from Books for the Blind in Des Moines. She just puts an order in; they send them to her, free of charge. "I cannot go to sleep without my books. It's a part of me," she says and she glances over the many books that sit on her shelf.
Besides books, Dunn also loved to paint. She began at a young age painting with oil paints. "I tried with watercolor, but I didn't like them much. I like the way you can change oil paints. Oil paints make you feel as though you have more talent, and it always took awhile to dry," Dunn said as she glanced around her room.
Her best memory of a painting she made was that of her grandma's house in Germany. "My grandma came here at 16, all the way from Germany by herself, and I saw the picture of the house. It was beautiful. When I finished the painting, the right name for the painting was 'Grandma Chose the Right One,' meaning she chose the right path in life," Dunn said as she remembered the painting of her grandmother's house.
Growing up, Dunn was not alone. She had eight brothers and sisters. She had a wonderful childhood and her parents were a loving couple. She had lots of fun creating her own games growing up and had a love for jellybeans.
"I would hide jellybeans around in coffee cans," Dunn remembers and picks up her jar of jellybeans from her table. "I just love them so much."
Dunn, who cannot see well anymore, still loves to write poetry if she can. Her advice to the younger generation is to, "repeat the words like you did when you learned your ABCs, you never know how important it (reading/writing) is until you lose it or can't use it."


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Maps & Transportation
Resident Research Day 2016
Madison Museum of Contemporary Art (MMoCA)
227 State Street
Click here for directions to MMoCA
Parking is available in City of Madison and Dane County parking ramps. Public transportation is regularly available.
A free option in the 80 Bus, which drops off at the campus end of State Street and requires a 4-block walk up State Street to MMoCA:


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Architect Mark DiGanci takes us through a spectacular custom home in Highland Park, Illinois. It's the only home in the city with a 1,200-square-foot beach house with a boat launch. Breathtaking views of Lake Michigan await you from the moment you walk in the home. The floor plan is open, perfect for entertaining guests. For more information on this property, please contact broker Vikki Coleman Wolin of Coldwell Banker at 847-310-5535. View the listing.
This episode of Open House was hosted from 16 East 95th Street, New York, NY. For more information on this property, please contact Cathy Franklin or Alexis Bodenheimer of Brown Harris Stevens at 212-906-9236 or 212-906-9230.


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Small businesses honored in Green Bay
GREEN BAY - The success of entrepreneurs and small businesses was recognized Thursday afternoon in Green Bay.
More than 700 people gathered for the Chamber of Commerce's 23rd annual Business Recognition Luncheon.
Ying LaCourt of Helping Hands Caregivers was named Business Person of the Year for developing her company that provides in-home care.
The other recipients included Cineviz, Sadoff Iron and Metal, Riverside Ballroom, Nicolet National Bank, and the Convention and Visitors Bureau.
FOX 11's Tom Milbourn had the privilege to be the emcee and announce the awards.


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Thread: Strange iOS CSS bug
- Join Date
- May 2012
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Strange iOS CSS bug
SOLVED: the issue was with how iOS handles overflow:hidden
Hi everyone... this is my first time posting on the forum. I look forward to getting involved and hopefully helping out some others.
So here it is:
I am experiencing a very frustrating bug on the following page with iOS: http://makethemostof.co.uk/test.html
There is a tab in the top right that says "Shopping Bag (empty)" that disappears on iOS. I have attempted to diagnose the issue with Firebug for iPad but can't seem to find the cause. I suspect it has something to do with the fact the element is position:fixed but I'm really not certain.
Does anybody know why iOS would behave this way when webkit on mac (and windows as far as I have seen) works just fine? What am I missing?
By the way there is also some jQuery acting on that area of the page (around line 100) which could also hold the cause of the problem.
Thanks in advance for any help!
Last edited by jlspurling; 05-01-2012 at 03:59 PM. Reason: solved


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A couple staying at Travelodge, 898 W. Broad St., complained to police after a pair of creepy men tried to get the woman to come to their room Friday evening by saying they scout talent for the "Girls Gone Wild" video series, according to an Athens-Clarke police report.
When a stranger came to the door and offered the woman $100, her boyfriend thought it was a joke and talked to the guy for a while, he told police.
The stranger upped his offer to $200, and the boyfriend asked to see a business license.
The stranger brought over another man, a 52-year-old from Winder, and they continued to invite the woman to their room in exchange for money. Both men seemed to be "crackheads," the couple told police.
They finally got the strangers to go away, but the boyfriend followed to get their room number to complain.
While he was away, the strangers phoned the woman and told her to come to their room without her boyfriend, according to the report.
The woman told police she was "very creeped out by the incident."
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Skip to content or, if you would rather, Skip to navigation.
April 9, 2013Maryville, MO | By: Swetnam
Maryville has a new mayor.
Each year the city council votes to decide which of them will serve as mayor.Last night the council appointed Jim Fall to the job. Fall says there's plenty to keep him busy during the year-term.


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RV Financing & RV Loans
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- Southeast Financial offers camper lending for a variety of vehicles that are ideal for adventures in the great outdoors. Campers come in many different shapes and sizes, and we can offer recreational vehicle loans for most of them. This category does not include pop-ups or folding trailers, however, which are collapsed for storage and towing. Most campers are standalone units that are pulled behind another vehicle to offer the ideal shelter for all your camping adventures. Whether you are looking for a camper loan for a modestly priced, used model from a private seller or a top-of-the-line model from a dealership, we have financing packages available, starting at $7,500. Once you apply through our safe and secure online system, we can have a decision for you within 24 hours of receipt of your completed application – usually in as few as three hours
- We do not finance
- *We do not finance full timers.(a full timer is defined as someone who does not own a home and lives in their RV full time
*We do not finance Park Models


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This Week in FCPA-Episode 77, the Home for the Holidays Edition
Episode 10 -- How to Conduct a Risk and Compliance Program Assessment
Compliance Man Goes Global-Episode 4-Training
Day 17 of One Month to More Effective Compliance for Business Ventures- Corporate Controller and Business Ventures
Day 20: What Does Innovation in Compliance Look Like?
Unfair and Unbalanced-Episode 21, the 2017 Compliance and Ethics Institute
The Week in FCPA-Episode 67, the Post Harvey Edition
Day 4 of One Month of Innovation in Compliance-Welcome to ComTech
This Week in FCPA-Episode 66, the Take a Stand Edition
Compliance into the Weeds-Episode 50, Where's the Upside?
Compliance into the Weeds-Episode 49, Mattis Memo on Ethics
Compliance Report-International Edition-Tim Khasanov on Compliance in post Soviet states
Everything Compliance-Episode 14
This Week in FCPA-Episode 57, the Father's Day Edition
Compliance Into the Weeds-Episode 42, the Uber Edition
Day 3 of One Month to Better Investigations and Reporting-the Investigation Protocol
Compliance into the Weeds-Episode 40, COSO ERM Framework Update
Day 22 of One Month to Better Compliance Through HR-10 Questions to Better Operationalize Compliance
Unfair and Unbalanced-Episode 18
Operationalizing Compliance Through Your Tone in the Middle
Because it bases its assesments on job title, location and industry, LinkedIn's new Salary feature might be more accurate than are other online compensation estimation tools....more
Attorneys often research adverse parties online to obtain potentially useful—and publicly available—evidence for use in a case. But, as an ethical matter, may an attorney access information available only through an...more
Today, I wrap up my series on why I think compliance is at the Tipping Point. However as it is a Friday in October, I continue my tribute to the Man in the Shadows, producer Val Lewton, whose films for RKO had some of the...more
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Breaking the ice. No one expected that people dumping buckets of ice water over their heads for charity would become the viral phenomenon that it has. One key technical secret to the success of the "ice bucket challenge" may...more
Social media provides an extraordinary means not only to communicate and share information, but also to obtain information that may lead to incriminating, exculpatory and impeachment evidence for use in discovery and at...more
Memo to Managers -
Social Networking in the Workplace -
More than 75 percent of American workers use some form of social networking*, and that number is likely to increase. And it's not just younger workers who...more
On May 28, 2013, the New York Advisory Committee on Judicial Ethics issued an opinion stating "that the mere status of being a 'Facebook friend,' without more, is an insufficient basis to require recusal." (Emphasis in...more
Two New Jersey lawyers recently learned a valuable lesson when it comes to social media. While sites like Facebook and Twitter can be an effective marketing tool for law firms, they should never be used as a weapon.
Can't lawyers and judges just be "friends?" Apparently not, so ruled Florida's Fourth District Court of Appeal last week in Domville v. State, No. 4D12-556 (Fla. 4th DCA 2012). The Fourth District's decision is seemingly the...more
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Dale Mary Louisa (Molly) Thinking of our beautiful Mum and Nan, one year on. Love and miss you today and always. God bless you x x x Love from Dennis, Roy, Sheila and all your family.
Click on any photo below to open up the gallery
Please get in touch


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With so much to do in this town, it can be pretty hard to plan out your weekend. We have the best beaches, parties, concerts and movies in LA. Let us make some suggestions that will help you battle staying home bored all weekend long. Below is just a sample of what's going on this weekend. You can check out more fun events here.
R&B legend R. Kelly is bringing his Single Ladies tour to the Nokia Theatre L.A. Live. Tickets start at $49.50 and are still on-sale.
Looking for a dance party? Check out HARD Haunted Mansion Presents Day Of The Dead at LA State Historic Park. Justice, Major Lazer, Diplo and more are performing. Seena and McCabe have been giving away tickets all week. You can still buy tickets here.
Show your Los Angeles Lakers pride by cheering them on as they host the Detroit Pistons at Staples Center. Hopefully they play better than this did in their season opener.
Now that you know what's going on this weekend, there's no excuse to be bored. Get out there and do something fun.
-AJ Gordon, 97.1 AMP Radio/Los Angeles
For constant updates on what's happening at 97.1 AMP Radio, follow us on Facebook and Twitter @ampradio.


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This script is Copyright (C) 2013-2017 Tenable Network Security, Inc.
Synopsis :
The remote Red Hat host is missing one or more security updates.
Description :
Updated qspice packages that fix two security issues are now available
for Red Hat Enterprise Linux 5.
The Red Hat Security Response Team has rated this update as having
important security impact. Common Vulnerability Scoring System (CVSS)
base scores, which give detailed severity ratings, are available for
each vulnerability from the CVE links in the References section.
The Simple Protocol for Independent Computing Environments (SPICE) is
a remote display protocol used in Red Hat Enterprise Linux for viewing
virtualized guests running on the Kernel-based Virtual Machine (KVM)
hypervisor, or on Red Hat Enterprise Virtualization Hypervisor.
It was found that the libspice component of QEMU-KVM on the host did
not validate all pointers provided from a guest system's QXL graphics
card driver. A privileged guest user could use this flaw to cause the
host to dereference an invalid pointer, causing the guest to crash
(denial of service) or, possibly, resulting in the privileged guest
user escalating their privileges on the host. (CVE-2010-0428)
It was found that the libspice component of QEMU-KVM on the host could
be forced to perform certain memory management operations on memory
addresses controlled by a guest. A privileged guest user could use
this flaw to crash the guest (denial of service) or, possibly,
escalate their privileges on the host. (CVE-2010-0429)
All qspice users should upgrade to these updated packages, which
contain backported patches to correct these issues.
See also :
Solution :
Update the affected qspice, qspice-libs and / or qspice-libs-devel
Risk factor :
Medium / CVSS Base Score : 6.6
Family: Red Hat Local Security Checks
Nessus Plugin ID: 63948 ()
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National Academy of Permanent Cosmetics
Missoula, MT (406) 370-3705
DeEtte Balfourd, of Missoula, MT offers permanent cosmetic makeup and medical pigmentation procedures in her Missoula office, as well as comprehensive training for a career as a professional permanent cosmetic makeup artist.
DeEtte Balfourd, CMI CPCP, is a Certified Permanent Cosmetic Professional and Certified Instructor through the Society of Permanent Cosmetics Professionals and the American Academy of Micropigmentation. Ms. Balfourd has been in the permanent cosmetic industry since 1992. Her 24 years as a innovative technician and educator is invaluable in providing her clients with the most comfortable, hygienic, and professional experience. Ms. Balfourd utilizes the most current and advanced techniques in her industry.
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Information Material
Place orders for printed materials via the contact form to the right.
Think describes Umeå University's research, education and cooperation in an exciting and new thinking way (11.8 MB).
No. 1 2015
Produced: September 2015
Power Point Presentation
General information about Umeå University
English version (Sept 2013)
Campus Guide (Guiden)
Map of the Main Campus and University Hospital area
Four colour print
English and Swedish versions, foldable design
English, June 2013
Swedish, June 2013
Additional maps: Main Campus, University Hospital Area
Information about the Alumni network to students who are about to finish their studies and alumni.
Four colour print.
Swedish and English version, front and back.
Pdf version (74 kB)
Aktum (Umeå University's staff magazine)
24 pages, 4 publications per year
Vision and Strategies
Umeå University 2020: Vision and Objectives
June 2012


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Your name is Ms. Jenni and you are a teacher at Pinewood, an elementary school in Eagan. It is your fifth year at the school and you are excited for the next year and the new kids.
How old are you? 29
What grade do you teach? second grade
How many students will be in your class? 18 students
Roll the dice for each child to find out the gender:
List their names here:
1.B - Ethan Michael Thomas
2.G - Sophia Grace Robinson
3.G - Olivia Kate Williams
4.B - Jayden Patrick White
5.B - Noah Alexander Clark
6.B - Aiden James Roberts
7.G - Abigail Rose Campbell (Abby)
8.B - Elijah Christopher Morris (EJ)
9.B - Gabriel Joseph Gonzalez (Gabe)
10.B - Benjamin Ryan Phillips (Ben)
11.G - Leah Ann Johnson
12.B - Brayden Nicholas Cook
13.B - Luke George Patterson
14.B - Jordan Anthony Simmons
15.G - Makayla Rose Bryant
16.B - Gavin Isaac Griffin
17.B - Evan James Reynolds
18.G - Riley Charlotte Simpson
In mid-November of that year, your classroom gets a new student. He/she is brought in by the vice-principal, holding her hand tightly, and not making eye contact with anyone. You smile down at him/her and he/she returns it shyly. You sit them down at an empty seat in the front of the class. Gradually, the child opens up and reveals a very friendly, outgoing, and sweet personality.
What is the child's name & gender? Girl, Jacqueline Denise
What does the child look like? Blond hair & blue eyes
When parent-teacher conferences roll around after Christmas break, you meet your new student's guardian, Ross, who is his/her uncle. He also brings along your student's younger sister to the meeting. During the interview, and the kids are playing on the rug in the back of the classroom, you ask him why the children are living with him. He tells that his little brother and sister-in-law were killed in a plane crash heading to the States from the Caribbean last year and he was named next of kin by his brother. He was living in Minneapolis at the time, in an area which he didn't think was the best environment to raise two orphaned children in and they relocated to Eagan. He says he's glad to see his niece/nephew is so happy in school.
How old is your student's uncle? 39
What does he look like? Dark brown hair & light blue eyes
What does he do for a living? Doctor
What is your student's little sister's name? Megan Margaret
How old is she? Five
What does she look like? Light-blond hair & brown eyes
You see more and more of Ross, even after your child leaves your class. Eventually, the two of you and boyfriend and girlfriend.


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Has anyone actually noticed that 2012 is the year of the World Shakespeare Festival, among other things? The festival has been underway for several months now, but so far the Bard hasn't got much of a look-in, his Stratford having been somewhat overshadowed by another in East London, hosting certain sporting events.
So let us now turn our attentions to an altogether different Stratford, the lovely, historic one, upon Avon, where young men pole punts along the slow-sliding river. This is Shakespeare country, a bucolic market town in Warwickshire usually bypassed by such modern, flighty concepts as pop-ups.
But this autumn, a visitation - from puddingmakers extraordinaire, Bompas & Parr (pictured), who are creating a temporary maze, which visitors will have to navigate by following their noses. With mirrored walls to confound and disorientate, the labyrinth will have at its centre a mystical little room containing a love potion of natural perfumes and aphrodisiacs, drawing visitors with its potent scent, which intensifies as they wander deeper in.
The scented maze - named by its creators as 'The Waft that Woos' - is the first of its kind in the world. Inspiration came from The Merry Wives of Windsor.
'A maze is designed to enchant, beguile and confuse - much like Shakespeare's Merry Wives of Windsor - so it acts as a physical metaphor for the play,' says one half of the extra-sensory duo, Sam Bompas. 'The Merry Wives is a comic misadventure, a romantic pursuit where tricks are played and visual misunderstandings occur; and those are the kind of things that we've tried to recreate with our infinity mirror maze, which we hope appeals to romantic lovers and Shakespeare lovers alike.'
A new production of the play, directed by Phillip Breen (Sex with a Stranger) and Humphrey Ker (Dymock Watson: Nazi Smasher!), will run concurrently this winter at the Royal Shakespeare Theatre.
'The Waft that Woos' is not the first weird and wonderful project from Bompas & Parr. They have, in the past, created other sensory experiences such as 'Alcoholic Architecture', where gin infused the air like mist; and a rooftop crazy golf with London landmarks made to look like cakes and jellies.
'The Waft that Woos' maze runs 6 October 2012 - 7 April 2013, at the Royal Shakespeare Theatre, Stratford-upon-Avon, Warwickshire (0844 800 1110; www.rsc.org.uk). 'The Merry Wives of Windsor' runs 25 October 2012 - 12 January 2013. For more information contact The Royal Shakespeare Company (www.rsc.org.uk).
Set in a 400-year-old house, The Church Street Townhouse is a rare thing in Stratford: a decadently stylish boutique hotel. It's on a pretty street facing almshouses, and has modern comforts (DVD players, iPod docks, rainshowers) with appropriately historic elements (clawfooted baths, old furniture and black-and-white photographs, antique candlesticks). And the food - trad British, done well - is popular too. You might spot, or overhear the velvety tones, of an actor or two, taking a break from treading the boards at the theatres nearby.
The Church Street Townhouse, 16 Church Street, Stratford-upon-Avon, Warwickshire (01789 262222; www.churchstreettownhouse.com)
For more ideas for UK weekend breaks, click here>>


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Legal Question in Criminal Law in Kansas
I was arrested for paraphernalia and possession of marijuana (residue.) I wasn't read my rights. What steps do I need to take before my court date and what might be the sentencing I get?
Asked on 9/10/13, 7:26 am
1 Answer from Attorneys
Anthony Smith LawSmith
You need to consult directly with defense attorney, preferably in your area. Not reading the Miranda list of rights, doesn't mean you can't be convicted. The length of jail time would depend upon the jurisdiction in which you've been charged. But, for residue possession and paraphernalia, it usually isn't more than a year or two, and probably less.
Good luck
Answered on 9/10/13, 8:00 am
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News & Events
Monday: 12 noon - 7 pm
Tuesday: 12 noon - 7 pm
Wednesday: 10 am - 6 pm
Thursday: 10 am - 6 pm
Friday: 10 am - 6 pm
Saturday: 9 am - 5 pm
If you require an appointment that is outside of the above schedule, please let us know and we will do our best to accommodate your request.
Se Habla Espanol
Agua Azul Oasis
We are pleased to inform you that we are more equipped than ever to meet the needs of our Spanish-speaking guests. New team members who are fluent in Spanish have joined our team in recent months. We have enjoyed helping our guests in Spanish with directions to our location or explanations of different treatments. If you have a friend or family member who would enjoy the many benefits of experiencing our Oasis but does not speak English, let us know. We are here to help. There is no need for them to be concerned: nosotros hablamos Espanol!
We will be open Sunday, May 13, 2012 for Mother's Day. We still have a few appointments available. To purchase your mother's day gift cards, you may shop online or call (530)345-0226.
Attend our Obagi VIP Event and learn how to transform your skin.
Tuesday, April 17th
12:00 pm - 1:30 pm at
Agua Azul Oasis Day Spa
40 Declaration Dr., Ste 100
You will receive 20% off all Obagi products and 10% off your next facial or microdermabrasion. Bring a friend and receive $5 Spa Bucks to be used the day of the event. You'll learn how to transform your skin!
Don't miss the incredible specials offered at this event. Seating is limited. Please RSVP at (530) 345-0226.
Take a "Daycation" in Chico
Stressed out? Looking for the ultimate vacation away? Why not try an Agua Azul "Daycation"? Set aside a whole day or a few hours and head to Chico's first true Day Spa to enjoy one of our unforgettable spa packages. A lot of places claim they are Day Spas, but Agua Azul Oasis is the real deal. Walk in our doors and you will find 5,700 square feet of beauty and relaxation in a Mediterranean setting, with all of the services you have come to expect from the best resort destinations. From body wraps to water massages to "PowerNaps", we have it all. It sounds too good to be true, but you can have all of this without ever leaving Chico!
With beautiful Mediterranean-themed
service rooms, couples massages, UV-free tanning, waxing, hair styling, make-up artists, as well as separate men's and women's quarters, A2O will fulfill and
easily surpass your expectations. Of course we offer massages and manicures/pedicures, but we also have a full suite of hydrotherapy
treatments. From a steam sauna to a luxurious Vichy Shower massage you can wind down with water. We even offer pre-natal, couples, and group services. Just in case that isn't
enough, we can also offer full laser services, microdermabrasion, and even eyelash extensions! The list just goes on and on.
We are certain we have the right spa package for you, your friends, and gift recipients. And we offer specials each month. It's no wonder we were voted Best of Chico within four months of opening our doors! So, whether you need a couple of hours to relax, an entire day to yourself, some romantic time to share with someone special, or a fun day with all the girls, Agua Azul Oasis is the place for you. Come and experience the healing touch of A2O for yourself. With so many different services offered in this gorgeous two story masterpiece, a planned short visit could quickly turn into a wonderful day, full of unforgettable experiences, not to mention a trip back to Chico's Best Day Spa sometime very soon... for another Daycation!


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Main Page
Welcome to the Bogleheads® wiki, a collaborative undertaking by members of the Bogleheads Community. This wiki is a reference resource for investors. Bogleheads emphasize starting early, living below one's means, regular saving, broad diversification, and sticking to one's investment plan.If all this seems a bit overwhelming, relax and don't panic. A good place to begin is getting started. Returning visitors may be interested in our new pages.
Getting started
- Getting started - Start here.
- Bogleheads® investment philosophy - Our investment principles.
- Bogleheads® investing start-up kit - A top-down approach to start investing.
- Investment policy statement - Identify your investment objectives and how you plan to meet them.
- Bogleheads® personal finance planning start-up kit - Other than investing, such as financial planning, insurance, and saving for college.
- Preparing for retirement - Steps you should take before retiring.
- Prioritizing investments - Choosing where to save your investing money, such as an employer's retirement plan or a savings account.
Today's featured article
A three-fund portfolio is a portfolio which does not slice and dice, but uses only basic asset classes — usually a domestic stock "total market" index fund, an international stock "total market" index fund and a bond "total market" index fund. It is often recommended for and by Bogleheads attracted by "the majesty of simplicity" (Bogle's phrase), and for those who want finer control and better tax-efficiency than they would get in an all-in-one fund like a target retirement fund.
There is no magic in the number three; the phrase is shorthand for a style of portfolio construction that emphasizes simplicity, and is related to lazy portfolios. (more...)
This week in financial history
November 13:
- 1865 - To counter the effects of loose money-printing and counterfeit notes, the US issued its first 'gold certificates' - a form of paper currency backed by gold. Source: 3 November 1865: US issues its first gold certificates
November 14:
- 1972 - The Dow Jones Industrial Average topped 1,000 points for the first time. Source: Closing milestones of the Dow Jones Industrial Average
- 2014 - The Wilshire 5000 index closed above 19,000 for the first time. Source: Wilshire 5000
November 15:
- 1867 -Stock tickers were first introduced to the New York Stock Exchange. Source: Chronology of New York Stock Exchange (1792-1929)
- 1971 -The first US money market fund, the Reserve Fund, began operations on November 15, 1971.Source:Fund Prospectus,p.5.
November 17:
- 1995 - The Standard & Poors 500 index closed over 600 for the first time in history on November 17, 1995. Source: Closing milestones of the S&P 500 Index
November 19:
- 1890 - Baring's Bank in London was declared insolvent due to its large holdings of defaulted Argentinian debt. Simultaneously an announcement was made that a consortium of international banks would guarantee Baring's debt. While a banking crisis was averted, Argentina, Brazil, and Uruguay experienced severe recessions. Source: Kris James Mitchener & Marc D. Weidenmier: The Baring Crisis and the Great Latin American Meltdown of the 1890s, NBER, 2007.
Can't find what you're looking for?
Use the wiki's Search box. Or, start from a top-level overview using Site navigation. A complete article list is also available.
You can search or register to ask a question on the Bogleheads forum, or browse recent forum posts from the Bogleheads' home page. We're also on Facebook.Our Canadian sister site, Financial Wisdom Forum, and its finiki, the Canadian financial wiki has a similar focus, many like-minded members, and may be of interest as well.
Contributing to the wiki
Anyone can read the wiki. If you would like to edit it, you must first join the Bogleheads forum. Once you've joined, send a private message requesting access, and you can then become an editor. Information on editing the wiki is available on the left sidebar of every wiki page. Suggestions are welcome by posting in Suggestions for the Wiki.If you see content in need of improvement, or a new page on a topic not yet covered, consider becoming an editor so that you can contribute to the site. If you find yourself writing a reply to a forum question that's been discussed a number of times before, consider creating a wiki page with the answer. Then you and others can reply to subsequent questions on that topic with a link and a quote of your text. That way, the Bogleheads Community both preserves our knowledge base and makes it more accessible, particularly to those using search engines.


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text: Ok we are on-site people. I have never considered staying offsite before but with the rising cost for a family of 5 I am looking at my options. I know lots of people like Bonnett Creek. Are there any others you would suggest that are that close to the parks so that my family does not feel like they are missing out? Also I usually use vrbo.com to book condo's but is there a different place you look to book Bonnett Creek or other places?


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Encinitas has been honored by a national advocacy group for using reclaimed sand from a construction project to replenish an eroded beach in the community of Leucadia.
The American Shore and Beach Preservation Association announced this week that Encinitas was the recipient of its 2009 Best Restored Beach Award.
The sand was reclaimed from a site in downtown Encinitas as bulldozers dug an underground garage for Pacific Station, a $40 million residential and commercial project being built by John Dewald & Associates.
For four weeks in January, trucks carried 37,000 cubic yards of the high-quality sand through Ponto Beach in south Carlsbad to access the northernmost beach of Encinitas. The loads of sand were dumped in the surf to help offset erosion.
Encinitas City Councilman James Bond said the project is a good example of a public-private partnership and "cooperation among numerous agencies for the good of the community."
Because of the southerly coastal flow, the sand will migrate to other Encinitas beaches over time, officials said.
Harry Simmons, the president of the preservation association, said it created the award in 2001 to recognize such restoration efforts. The group's mission is to foster "sound, far-sighted and economical development and preservation of our beaches."
Pacific Station is now under construction. The development at 687 S. Coast Highway 101 will include 47 condominiums, a Whole Foods Market, restaurants, shops and offices.
In many areas of developed coastline, beaches shrink over time because sea walls, jetties, railroads and other artificial devices prevent the onshore movement of sand. Some coastal cities, including Encinitas, must buy sand. Because of the many regulations surrounding sand replenishment, reclaimed sand projects are uncommon.
Pacific Station was the first sand-replenishment project of its kind in the county in 14 years. The last such project, in 1995, was an excavation of a trench for railroad tracks in Solana Beach that provided 230,000 cubic yards of sand for local beaches.
It took nine months for the Encinitas coastal program manager, Katherine Weldon, to obtain permits for the project from eight regulatory agencies and the city of Carlsbad. The sand was tested for contaminants and compatibility with the local coastline.
The cost of transporting the sand, $133,000, was covered by a sand-replenishment fund from fees imposed on bluff-top homeowners building sea walls.
City officials are hoping to streamline the process by getting advance approval for future projects from the California Coastal Commission.
County Supervisor Pam Slater-Price said the project represents a "creative solution" to restore sand to beaches and protect them as an economic asset.
Tanya Mannes: (619) 498-6639; firstname.lastname@example.com


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If Hunter Shinkaruk didn't have bad luck, he'd have none at all.
The Medicine Hat Tigers sniper suffered a nasty gash on his leg Nov. 17 in a game against the Portland Winterhawks. He needed 14 stitches to sew it up and will need to spend a couple of weeks as a spectator.
"I can't really do much," Shinkaruk said. "If I sweat or anything, I might get my leg infected.
"So, right now, I just have to relax, and, once I get clearance from the doctors, there'll be a lot of time spent in the gym and on the ice.
"Hopefully, I can use this rest to my advantage."
The injury came at a bad time as Shinkaruk was trying to nail down an invite to Team Canada's world junior selection camp.
The camp goes Dec. 11-15 at Winsport Ice & Athletic Complex, which gives Shinkaruk 24 days to recover and get back to full speed.
"I'll get back a little before that, so hopefully, I'll have time to get back in a groove before that camp, if I do get the invite," Shinkaruk said.
Canada opens the tournament against Germany on Boxing Day in Ufa, Russia.
The Calgary product is no stranger to injuries.
He broke his fibia and tibia as a 14-year-old and missed an entire midget season.
"It was really tough," Shinkaruk said. "It was the third game of the year, and finding out you've broken your fibia and tibia, at 14, that's pretty difficult to handle. But I've always been a kid who tries to think positive in every circumstance I'm put in.
"If I could go back and either break my leg or not break my leg, I still would probably break it. It developed me into being a man."
Shinkaruk certainly got off to the kind of start to the season that will make Team Canada officials sit up and take notice.
The Tigers captain has 17 goals and 35 points in 24 games. He had 23 points in his last 11 games prior to getting injured.
"It's not the best timing, but it could be a lot worse," said Shinkaruk, an eternal optimist.
"I've gotta look at the positives and make sure when I can bend my leg that I'm ready to go to that camp."
Whether Shinkaruk ends up in Russia over the holidays remains to be seen.
Either way, he'll have a smile on his face.
"I've had some bad luck with some injuries," he said. "I think the biggest thing is to stay positive the whole time. I have to look at the bright side of everything in life, because there's people dealing with a lot worse things than what I'm dealing with right now."
Team Canada's world junior team has already taken a major blow.
Everett Silvertips defenceman Ryan Murray has a slight labrum tear in his shoulder and will likely need surgery.
After earning a bronze medal last year, the Columbus Blue Jackets' second-overall draft pick was expected to be a potential captain for Team Canada. He'll meet with Blue Jackets GM Scott Howson this week to discuss his options.


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Schools embrace iPods in ESOL lessons
Wednesday, September 16, 2009
- The Sun News
- Link: http://www.thesunnews.com
At most Beaufort County public schools, iPods and other portable music players are banned from classrooms and hallways.
But at Hilton Head Island Middle School and others with high numbers of students with limited English skills, teachers use the devices to help students learn to read.
Five county schools will use iPods in their English for Speakers of Other Languages classes this year to tailor instruction to students with different levels of English proficiency.
In case you don't know, the iPod Touch sells for $229, so it's a significant offer. And the Touch is basically an iPhone without the phone.
But the Touch is not just about fun. With the latest iPod version, you can e-mail classmates and professors, download hundreds of educational apps and thousands of podcasts, lectures and videos from iTunes U. And in between classes, you can use it to play games, watch videos and surf the Web.
Millions of stimulus dollars are flowing into area school districts, and students who are returning to school this month will see some of those dollars at work.
Reduced state allocations forced districts to trim budgets and cut jobs as budgets were crafted in the spring. Horry County cut about 169 positions and sliced about $12 million from its budget. Georgetown County trimmed more than $6.5 million from its budget and laid off about five workers.
But officials in Horry and Georgetown county districts said the federal stimulus money from the American Recovery and Reinvestment Act is freeing up formerly restricted pots of money to fund student programs.
Hilton Head Island Middle School bought a set of 30 iPods last year, and Bluffton High, H.E. McCracken Middle in Bluffton, Red Cedar Elementary in Bluffton and Hilton Head Island School for the Creative Arts elementary school will receive sets this year.
The school district paid about $200 for each iPod Touch using federal money earmarked for ESOL students, said Sarah Owen, the districts ESOL coordinator. The district's contract with Apple Computer Inc., iPod manufacturer, includes training for teachers and a device that can charge and sync about 20 iPods to one computer at the same time.
Retail prices for iPod Touches are $200 to $400, depending on the model.
"It's a popular form of technology, so students are excited about them," said Nancy Davis, an ESOL teacher at Hilton Head Middle. "The kids are really into them, even though they know they're for educational purposes, and they're not going to be listening to their favorite songs."
Davis said her students use the iPods about twice a week. About one-fourth of the students at the school have been identified as limited-English proficient, she said.
Students listen to stories as part of a fluency program designed to develop vocabulary, improve pronunciation and emphasize important words and concepts taught in core subjects. Students also use the iPods' video playback for grammar and reading exercises.
Later this year, Davis plans to help her students record themselves with the iPods' cameras so they can analyze their own speech and the speech of their peers.
Students at Hilton Head Middle said they typically read a story before using the iPod and mark words they don't recognize. They then re-read the story while listening to an audio version.
"If you don't understand the story, you can listen to it," seventh-grader Alex Sanchez said. "When I read, if I then hear the story, it sometimes makes more sense.


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Posted on July 28, 2011
After I was featured in an article about First Birthday Cakesmash Photography in the Hamilton Spectator and then the Toronto Star, City TV News contacted me to come by and film one. It finally aired tonight and I must say I prefer being behind the camera than in front of one. (LOL! I`m about 5 months pregnant and apparently carrying all the weight in my face..ugh! ) For the shoot I had my lovely niece Elliana on hand with her friend Ashton. Here are some of the resulting shots form the smash! Here is the LINK to the story. In the caption it says I "pioneered the trend" which is absolutely not true! LOL! I have just noticed more people requesting them lately.
Love these ones of Ashton letting us know exactly how he felt about the cake!
And the always gorgeous Elliana!
Posted on July 27, 2011
I photographed this little beauty's big sister back when she was a newborn. Now she's almost 2 and turning out to be a great big sis! It's so amazing to be able to watch families grow! Thanks so much Erika for coming by again and letting me spend some time with your beautiful girls!! Here is a sneak peek from today!
Posted on July 22, 2011
This little cutie made us work! But with a face as sweet as his, it was all worth it! Newborn sessions as late as 3 weeks can be pretty difficult, but I am in love with so many images in his gallery! Here is a little preview!
Posted on July 20, 2011
This little cutie pie was such a natural in front of the camera! At 3 months old, you never really know what you`re gonna get. Sometimes babies this age can be pretty unhappy during a photoshoot..it`s definitely an iffy age. But this handsome guy just loved his camera time! I see Baby Gap modeling in his future! Here is a little sneak peek from today!
Posted on July 20, 2011
I'm so excited to see the cover shot I did for Hamilton Magazine! The issue will be out on newsstands in a few days, but you can see it on their online site at http://www.hamiltonmagazine.com. As much as I adore shooting little kiddies, I can't tell you how fabulous it is when I get to photograph adults that are able to take direction. (lol) I was fortunate enough to shoot the lovely Natalie Ravoi of the Cupcake Diner, Hamilton's first mobile cupcake stand. Check out her website, and if you find she's in your area, you simply must stop by and get one of her delicious cupcakes!
Posted on July 16, 2011
Newborn sessions have always been my favourite. But now that I'm pregnant they have gotten even more special somehow! I don't know yet if I'm having a boy or girl…but if I have a little boy half as sweet as this little cutie, I would be super grateful! I instantly fell in love with him! Thanks Mom and Grandma for the lovely afternoon..here is your sneak peek!


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cartridge design project
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September 23, 2012, 02:10 PM
Senior Member
Join Date: August 25, 2008
Location: 1B ID
Posts: 10,309
There's really no point in producing a 'shorty' .410 for use in .45 Colt cylinders.
The problem is that you need to leave enough room in the cylinder to allow for a roll crimp to unroll, or a star crimp to unfold. That means you're pretty much right back at the standard length of a .45 Colt case. So.... why not just use a .45 Colt case and a shot capsule to begin with?
Now, if the goal is to have a higher shot payload than is achievable with shot capsules... you have to get a little more involved in the process.
.444 Marlin cases are commonly used by .45 Colt shot shell loaders, as the basis for 'necked' shot shells like those I load for my .44 Mag (though, I use .303 British, .30-40 Krag, or .220 Swift cases).
(Both unmodified cases started as .303 British, but one has been fire-formed to .30-40 Krag.)
The cartridges laying down, and the cartridge in the center are my .44 Mag shot shells. With an appropriate fiber-wad or nitro-card, I can fit just over 1/2 oz of shot. In contrast, .44 Mag shot capsules barely hold 1/4 oz.
Where I have to put a fair amount of work into thinning and turning the rims of the .303/.30-40 cases; .45 Colt shooters don't have to do so with .444 cases.
It's simply a matter of: trim, form the neck, load, and shoot.
With light loads, you'll never have to size the cases again.
With moderate to hot loads, the shoulder will have to be bumped back when reloaded.
Overly-hot loads may lockup the cylinder, though, by pushing the case head hard against the revolver's frame.
The only good way to achieve easy shot shell-to-metallic cartridge interchangeability, is to use a rifle with an appropriate throat, use a revolver with a longer cylinder (a la Taurus Judge), or go to a cartridge that uses a heeled bullet (so there's no transition to bore diameter to cause a constriction). ...or a combination of those options.
"Such is the strange way that man works -- first he virtually destroys a species and then does everything in his power to restore it."
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Happy Hen House is an arcade game where you have to help Ahmed gather all the eggs to their baskets.
Doing so is by pushing all the eggs to their baskets or kicking them.
The chickens at the yard will disturb you by chasing you and you must avoid them or kick the eggs on them to make them stop their pesky chase against Ahmed.
The goal of each level is set when Ahmed fill all the baskets on screen.
The game is dedicated to my friend and ally for trouble Ahmed! Move Ahmed with arrow keys, push the eggs to their baskets using shift or kick them using ctrl.
When you hit a chicken with an egg you will stun it for several seconds and this will be a good chance to sneak out past the annoyed chicken.
Game Stats2,237 views
Game Tags
arcade, chicken, chickens, eggs, en, game, hatch, hen, hens, house, levels, yard


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