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Did VH1 Just Say EDM and Hip-Hop Are Killing Live Music?
VH1 recently published an article from Doc Coyle, entitled "Millennium Of The Individual: How The Rise Of DJs, Solo Artists, & Technology Is Killing Collaboration". It looks at the effect that changes in the music industry, and modern approaches to making music - particularly the use of computers and inexpensive home studio tools - have had on bands and live music.
Coyle posits the idea that live instrumentalists like himself are fast becoming obsolete because musicians have a financial incentive to create music completely on their own, without needing bandmates - and affordable computers, digital audio workstations, and recording equipment have empowered them to do so. These points are certainly true, as he says,
"No one wants to pay you until you are very popular. Before that, you have to pay out of pocket for equipment, rehearsal space, a vehicle, fuel, studio time, and sometimes to even play at a real venue. All while having to rely on usually unreliable people. Even if you start making decent money, having to split your profit 4 or 5 ways after paying your manager, label, agent, and lawyer can be demoralizing."
I played bass guitar with various bands at different points in my life. I absolutely understand how making electronic music can be more attractive because you can control every aspect of your music if you choose to, without needing to rely on bandmates, FOH engineers, roadies, recording engineers, etc. It's a big part of why I started DJing and producing. But during my career as a producer I've collaborated with dozens of other musicians - other producers, vocalists, drummers, guitarists, etc. I have 2 side projects that are collaborative efforts, and I've done dozens of remixes. And some of the best times I've ever had on stage were going b2b with other DJs, or featuring live instrumentalists alongside my electronic production.
His point about the costs involved in recording and touring with a band are true, but he has some mistaken notions about the overall revenue of the music industry. He says "As illegal music downloading in the early 2000s took hold, the economic pie of the music industry became much, much smaller than it was 15 years ago." This is just false. The economic pie of the record industry has become much smaller - major labels, and the industry built on selling recorded music have seen huge drops in revenue. But overall, the revenue of the music industry has actually grown, and artists are making more than ever, albeit in different ways. And electronic music is a big part of this. Creative, hard working people with a laptop and some software can now create professional level music without needing labels. The internet has broken down so many of the barriers to success by allowing artists to get their music out to a huge audience without needing industry funding, and nowhere is this more apparent than in electronic music.
He also talks about the celebrity status that solo artists attain, and how this celebrity culture is more drawn to individual personalities,
When you are talking about stars, you are talking about the idea of celebrity, and that's where we are at. I write for VH1, which is a site that is dominated by celebrities. They cover celebrities because it's what moves the needle. That has filtered into how we process our music, and who we deem relevant. Without a star, you have no brand. Without a brand, your business is dead.
Again, this is not false. It's only natural that fans have an easier time relating to the personality of a charismatic individual, rather than the varied characters in a band.
But the conclusion that these factors are "killing collaboration" is just flat out wrong. He freely admits that he knows basically nothing about EDM,
I don't even know if live DJs are doing anything more than hitting a space bar, but whether or not the emperor has clothes seems to be irrelevant to EDM consumers.
Only this ignorance could lead to the conclusion that collaboration is dying in the face of electronic music and hip-hop. Just a brief glance at any EDM genre will show you that collaboration is a huge part of electronic music. Even among solo artists, and in the most mainstream styles, collaborations are ubiquitous. Right now 8 of the top 10 tunes on the Beatport Top 10 feature more than one artist. And collaborations between solo artists are just one aspect of collaboration in electronic music. Many of my favorite acts are groups: Noisia, KOAN Sound, Shpongle, The Crystal Method, Evol Intent, Birds of Paradise, The Prodigy, etc. And the idea that the live experience of electronic music is always a guy standing at a laptop pressing the space bar is just nonsense; only someone who has little or no experience in the electronic music world would believe such crap. Check out a Destroid show, or a Nero show, or a Black Tiger Sex Machine show. Or watch a turntablist like Craze or JFB or A-Trak. Watch Araabmuzik on an MPC and then tell me more about pressing the space bar.
Coyle acknowledges that "Hip hop is still reliant on collaboration. Almost every song features a guest rapper, or a hook being sung by another prominent artist, and you can't forget the imperative chemistry of pairing an MC with a complimentary producer," but he insists that "the overall trends skews towards solo acts." His metric for making this judgement is the Billboard charts. From where I'm standing, looking at the Billboard charts will tell you a lot about the most mainstream pop examples of any genre, and fuck-all else. So if the point is that pop music puts the emphasis on solo artists, leave hip-hop and EDM out of it. For decades pop music has emphasized the charisma and personality of a single celebrity over the talent and hard work of all the composers, producers, and studio/touring musicians that create it. This is nothing new, and the blame for it certainly doesn't lay at the feet of hip-hop or electronic music.
Also, if you are going to stage a fake DJ photo, put a mixer between the CDJs.


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Published: Tuesday 14th October 2014 by The News Editor
Hollywood star Brad Pitt had told how he was given his first gun while he was still at nursery.
The US actor, 50, plays a soldier in his new movie, Fury.
He told Radio Times magazine: "There's a rite of passage where I grew up of inheriting your ancestors' weapons .
"My brother got my dad's. I got my grandfather's shotgun when I was in kindergarten."
The Hollywood heartthrob, who recently married actress Angelina Jolie, said that he had fired a handgun by the time he was eight.
He added: "The positive is that my father instilled in me a profound and deep respect for the weapon."
Pitt's latest movie is set during the Second World War and stars the actor as the commander of a Sherman tank crew during the Allies' final push into Nazi Germany.
The father-of-six flew his family to filming locations in Hertfordshire and Oxfordshire.
He said that his 13-year-old son Maddox "knows so much about tanks that when we first started on the movie, I was asking him for information".
"He has an extensive knowledge developed on his own since he was young," he added.
Six-year-old Knox visited the set and, "loved the tank, and though he has no concept of war or what the tank's history is, he was so drawn to it. There is that inexplicable fascination that man has with machine".
Published: Tuesday 14th October 2014 by The News Editor

subset: commoncrawl


text:
It's been several years since I've been to France or Italy, but we are going next year and my aunt mentioned that when using a credit card in Europe you now need one with some sort of special chip installed in it. I never experienced this when there before, and I don't really trust my aunt as a source for this type of information. Does anyone know anything about this? What should I ask my credit card company for?
Thank you!
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Credit cards in Italy & France
It's been several years since I've been to France or Italy, but we are going next year and my aunt mentioned that when using a credit card in Europe you now need one with some sort of special chip installed in it. I never experienced this when there before, and I don't really trust my aunt as a source for this type of information. Does anyone know anything about this? What should I ask my credit card company for?
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The "special chip", also known as chip and pin or chip and signature card, is not needed. The old style credit card works fine and most credit card companies will be replacing the old cards within a year or so.
The only thing you have to due is to notify your bank that you will be using the card while traveling abroad, otherwise it will be blocked.
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There are many, many threads on this topic on this board. You can do a search, or just read the most recent:
Robert's response is overly simplistic. An old style non-chip swipe card is capable of working in CC machines operated by people, provided the person in question remembers/has been told how to use it. It will NOT work in most automatic machines - e.g. for train tickets.
US companies are replacing swipe cards with chip and signature cards, although Europe uses chip and PIN cards. There are a couple of credit unions in the US that issue chip and PIN or chip and signature and PIN cards. The conclusion on the most recent thread was that chip and signature cards will work in all instances in Europe. I have no personal knowledge as to whether that is true, as I took a hybrid chip and signature and PIN card the last time I went to Europe.
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Wow. Thank you! I had no idea. I'll read the thread you posted. We will want to use our card to pay at restaurants, hotels, museums and other activities, rental car company, etc. Also, in the past we were able to use our Bank of America ATM Debit/Visa at ATMs to get cash and I would like to be able to continue to do that, as well as have that as a back up tomuse at all of the other place I mentioned.
Thanks again.
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I've had a chip and *signature* card for a few years in the US ... was one of my bank's early adopters in the US. From personal experience in Germany, Switzerland, and France it often worked and sometimes didn't ... It never worked at automatic machines, and sometimes was confusing to attendants/restaurant people at some small towns. So I always traveled with more cash than usual.
I can hardly wait until American banks finally adopt the chip and *pin*.
OP: talk with your bank. Most now have chip and *signature* cards available on request, and from what I've hear, by the end of this year most US bank cards will be chip and *signature*. If your bank also has a chip and *pin* card opt for that instead.
But do have some cash with you ... ticket machines and some people accept chip and *pin* cards only, NOT chip and *signature* cards.
The difference?
In both, the chip is a bright square on the left side of the face of your card. It is a security feature that carries more info than does the black magnetic strip on the back and replaces the black magnetic strip. (Most US cards will still retain the magnetic strip for a few years to be compatible with machines in the US.
A chip and *pin* card requires you to enter a pin #, just like an ATM requires.
A chip and *signature* card doesn't require you to enter a pin number, but does require the attendant to print out a receipt that you sign, just like the old magnetic strip cards.
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Aside from the mechanics of using your plastic in other countries, you should look into the expense. Many credit card companies charge extra for transactions in foreign currencies. You cannot assume that the fees (or lack of fees) you experience back home will apply abroad. One of my cards, for instance, fee-free at home, applies a $5 fee for each purchase across an ocean. That's a pretty hefty penalty for a small purchase such as a museum ticket. However tedious, reading the fine print in your card agreement can help you save money. My policy is to use cash for all but the largest purchases. Wonderful stuff, cash: Quick, easy, and efficiently obtained from bank-run ATM machines everywhere (using a debit/ATM card, not credit.) And since I am lecturing, carry two ATM cards, drawn on different banks, as back-up.
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The chip and PIN issue does not apply to ATM/debit cards, which continue to work just fine to get cash from ATMs. I never use them as debit cards, I use credit cards for purchases.
Definitely find out what fees you will be charged. I have a no-fee account that I use only for travel, plus a low fee Credit Union account for backup. I believe BofA charges the usual high bank fees.
Depending on where you are going, you may find that cash is hardly used (see the current thread on Scandinavia), or that cash is still king. And do tell your card issuers when and where you are traveling.
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Thank you! So, we can use our regular ATM cards at ATMs without a problem? But, we would need a chip in the ATM card to use it as a Visa? It already has a PIN.
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My last two replacement cards (visas from different banks) have both been chip and pin. Perhaps you could ask your bank when they will start issuing them and get one early.
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We're nervous nellies, so have an ATM card that is not linked to our normal bank accounts ... we keep a special limited account for trips and use an ATM card linked to that ... so if someone somehow hacks or uses it, they get only the limited amount of money in it.
Our travel ATM account is with Bank of America ... they have a deal with a major bank in each of the major countries where you are charged just what you'd be charged at home (0) though the 3 charge on foreign exchange fees still applies.
Some ATM machines in EU take only 4 digit pin codes, so be aware of that.
And many ATM machines don't have letters on the keys, so either know your pin by number, or carry a photo of an ATM keypad so you can convert.
I still use a credit card in addition to the ATM/debit card since credit cards offer more protection than debit cards.
And we always carry an alternative ATM card and credit card in case our usual ones don't work (we've had to use the alternative a couple of times during our trips for various unknown reasons.
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@nytraveler - are you sure those are chip and PIN and not chip and signature - did you give them the Walmart test? Which banks?
@elbegewa - my travel accounts charge 0% and 1% foreign conversion fee respectively. I regard 3% as extortionate. And I think we had a post recently from someone who was charged to use an ATM even though it was supposedly linked to BofA.
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Don't use your ATM card as a Visa, as it is a debit card and you do not have credit card protections against fraud. And even though your ATM card has a pin, if it doesn't have a chip, it won't work as a credit card in Europe.
There are now many credit cards that do not charge a foreign exchange fee for using your card in foreign countries. I have two such cards from Chase. Otherwise, your card will charge you 3% for foreign exchange. I've never heard of a credit card like Southam's that charges $5 per use in foreign countries, though most of the US big banks charge $5 per use at a foreign ATM, plus 3% foreign exchange.
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we would need a chip in the ATM card to use it as a Visa?
If you mean that you want to use your ATM card for debit purchases, it will need a chip.
My last two replacement cards (visas from different banks) have both been chip and pin.
Having a chip and having a PIN does not make a credit card a chip & PIN card. The difference between a chip & PIN card and a chip & signature card is that with chip & PIN cards, all transactions are authenticated with a PIN entry. A signature is not required when using EMV processing equipment (such as what Walmat uses in the USA and is almost exclusively used outside of the USA).
Most all of the credit cards issued by US banks are chip & signature.
Our travel ATM account is with Bank of America ... they have a deal with a major bank in each of the major countries where you are charged just what you'd be charged at home (0) though the 3 charge on foreign exchange fees still applies
True, B of A now charges a heavy 3% on ATM withdrawals. However, few if any other banks charge their clientèle $5 for using an ¨out of network¨ foreign bank. No US bank charges more for foreign ATM withdrawals than does Bank of America.
One of my cards, for instance, fee-free at home, applies a $5 fee for each purchase across an ocean.
I´m with Kathie on this. I have never heard of a credit card that charges a fixed fee for its use. What card are you using that does this Southam?
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" However, few if any other banks charge their clientèle $5 for using an ¨out of network¨ foreign bank. "
I believe Wells Fargo does. And I don't think it has a foreign "network".
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I believe Wells Fargo does.
Wells Fargo charges the same as B of A but, as you point out, does not have a foreign bank association network.
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<<One of my cards, for instance, fee-free at home, applies a $5 fee for each purchase across an ocean. >>
yikes, are you kidding? I have never heard of such a thing but I suspect this can't be a credit card. I've never heard of a debit card doing that but that sounds more likely, that it is like an ATM charge. I sure wouldn't use such a card but I would never use a debit card to buy stuff anyway.
I've never had a problem using nonchip American credit cards abroad, especially places like hotels which want foreign clientele. okay, one restaurant in Paris couldn't figure out how to use the nonchip card (which was unusual, even small restaurants in some small towns haven't had trouble elsewhere in France), and when I tried to explain, I just gave up and paid cash as it wasn't worth it and it was a small bill. But that was unusual.
Actually, quite a few banks where I live (mid-Atlantic area) charge a $5 foreign ATM fee. Mine doesn't as it is Capital One (I don't pay anything as I have a premium account), but I know PNC, BB&T and M&T banks all do and they are in the northeast/east coast area. And I think they all charge a 3 pct foreign transaction charge on top of that $5 fee.
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Most of the big banks charge $5 per use of a foreign ATM, not just BoA. But you have plenty of other options. Especially look at credit unions and small banks. And your brokerage account may well even refund any fees charged by the bank that owns the ATM.
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In 2010 I traveled to Italy from the US. I opened a Capital One cc (one year no cc fee) b/c they do not impose foreign transaction fees. The fee is $59 a year now and I used it again in 2014 on another trip to Italy and used it for everything with no transaction fees.
My TD Bank ATM card, at the time, did not charge a fee for withdrawals in the US but would have charged in a foreign country. I went to the bank to let them know I was going abroad and was told that if I had a certain amount in my checking account, TD would reimburse me for the bank in Italy's transaction fee. They also upped my daily limit for the period of time I was in Italy. Wouldn't hurt to check with your bank about what they can do for you to keep your business.
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While it is a good idea to notify your card issuer of any travel outside the geographic area where you reside and usually use that card, to say that "it will be blocked" has certainly not been my own personal experience. There have been several times when I have traveled at the last minute, used one of my cards elsewhere and they were not automatically blocked.
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The foreign ATM fee is really a disgusting scam. When the euro came into place in most of the EU, the first reaction of the banks was to say "oh, we'll have lower fees for the euro zone." Thank god the EU said "the whole point of the euro is to eliminate fees when there is no currency exchange!" So all of the foreign fees were cancelled in the nick of time.
But in any place where there is a currency conversion taking place, there will always be some type of fee, even if it is just hidden in the exchange rate used.
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There are plenty of banks which do not charge a fixed fee for a foreign ATM withdrawal. If I banked at an institution that imposed fees that heavy ($5 plus 3%) upon its clientèle, I would have a new bank by tomorrow morning.
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Your card could or could not be 'blocked'. You just never know. It's part of my trip planning to notify the bank card about foreign travels. I like to not have any problems with spending money via a cc.
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This is all very intersting because the last time I was in Italy (a long time ago: 2004), we were not charged any fees at all by our United Mileage Plus Visa for purchases. Nor do I remember being charged much for withdrawals with my Bank of America ATM card at that time.
So which credit card companies do not charge fees for use abroad (at the moment I am interested in France and Italy)? And which banks do not charge for withdrawals abroad? Or, have peple gone back to travelers checks? Do those even exist anymore?
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which credit card companies do not charge fees for use abroad
Firstly, I would avoid any of the ¨bailout banks¨.
Look instead at local banks and credit unions. You´ll save in fees and probably get more attentive service. For credit cards that have no annual fee, no currency conversion fees, no foreign transaction fees:
Capital One
Capital One 360
Charles Schwab
Andrews FCU
Andrews and PenFed have the added advantage of being issued with offline PINs which means they are accepted at locations such as toll booths and unattended gas stations.
which banks do not charge for withdrawals abroad?
Capital One when using the ¨Allpoints¨ network. Allpoints is available in the UK, but not in France. In France, Capital One customers pay a 1% to 3% Foreign Transaction Fee (FTF) but no fixed fee. USAA banking customers pay a 1% FTF.
Charles Schwab - no fees (unless charged locally and there are no local ATM fees within the EU).
Many credit unions charge no more than the 1% currency conversion fee which they themselves are charged by Pulse, Masetro, or Cirrus.
This is not a definitive list but should illustrate that checking around and asking questions can save you money.
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My Capital One account charges no ATM fees and no foreign conversion fee regardless of which ATM I use. It depends on which account you have with them.
Credit Unions generally charge 1% and give a small number of free withdrawals per month, but you need to check the details with the specific CU you are considering.
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Just to clarify, you need a debit card with a PIN to use at cash machines. Do NOT use it as a credit card. You need a credit card, preferably chip and PIN but at least chip and signature. If it is a PIN card,you need to set up a new PIN for that card only. Do not assume that your debit PIN will automatically work with the CC--it will not.
I have a chip and PIN card from USAA and a chip and signature card from Citibank (American Airlines). I can set up a PIN for the signature card but it is only good for cash withdrawals. Because I would never take out cash on a CC, I haven't bothered to set up a PIN.
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I have a chip and PIN card from USAA
Unfortunately, USAA has discontinued its chip & PIN cards and now issues only chip & signature cards. These cards have PINs but transactions default to a required signature. They also have online PINs meaning that they will probably not work at more isolated terminal/kiosk locations such as unattended gas stations or toll booths.
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>> unattended toll booths.<<
More & more of which are unattended each time we visit France (twice a year). Bring cash. We even encountered one which would not take our swipe CCs or our cash - and that was about 6 years ago.
Stu Dudley
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Nothing new, but I don't know what I would do without you folks. Thank you all so much!!!
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Sarastro, I'm not sure where you got your information about the USAA credit card defaulting to requiring a signature not a pin. I just called them and they said it's really up to the device at the specific merchant to do whatever needs to be done so he said that the pin should work fine.
When you get your USAA credit card with the chip in it theres no pin, at least mine didn't have one, and I had to call them to set up a pin. But that was no problem and quite simple.
I'm getting to Venice on June 6 so that should give me a chance to see if it works.
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"they said it's really up to the device "
If you read the thread I linked at the start of this discussion, you will that that is incorrect. The card is set to go to signature first or to go to PIN first. In your case I am sure it is set to go to signature. However, provided you have a PIN it should still work in automatic machines that ask for a PIN, but it will require a signature in restaurants etc.
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Oh well, that was the exact question I asked them - what was the default for the card - and they said it depended on the vendors device, not them.
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they said it depended on the vendors device, not them.
ceezee - let me first say that I have been a member of USAA even before they had a savings bank. I am very familiar with their products and services, even more so than a front line employee who is answering your questions without really understanding them.
USAA had issued chip & PIN credit cards. These cards defaulted to PIN verification for all transactions processed on EMV equipment such as what is used in the USA at Walmart and virtually everywhere else in the world.
For whatever reason, USAA decided in June 2013 to change their credit cards, and the authentication sequence they used, to chip & signature; also changing their PINs form offline to online. What this means is that their new cards will default to signature authentication rather than the PIN verification that they once did.
How credit cards are processed is indeed a decision made by the card issuing bank. When the USAA customer service rep tells you that it's really up to the device at the specific merchant he/she is correct but only because USAA no longer issues chip & PIN credit cards. If you use the card at a location with EMV processing equipment, your signature is now required where once you only could authenticate with a PIN. If you use the card at an unattended location such as a ticket kiosk, if the location has the capability to crosscheck the PIN entered with a central database using an internet/phone line connection and the two number sequences match, your purchase is approved; otherwise it is denied. If you use the card at an unattended location with no data connection, and the charge is within a predetermined amount (say $50) the charge is approved, otherwise it is denied.
What USAA has done is to make their cards much less useful to users. Why did they do this? Only they can say for sure (and they won´t) but many speculate that USAA feared that if users could not remember their PINs, they would use a competitors card (most Americans carry more than one card in their wallets). If users had a reason not to use the USAA card because of PIN confusion, USAA would lose credit card volume and thus profit.
Sorry for the long, detailed answer but you asked. The result for me, as a loyal customer for decades, is I no longer use nor recommend USAA credit cards. USAA is no longer competitive in this market. Other institutions, such as Andrews FCU or PenFed, have cards with no currency conversion fees and are issued with offline PINs making them not only easier to use, but less costly to use as well.
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Sarastro, I've been a member of USAA since the Viet Nam War. I've worked in the IT departments of various banks on both the MasterCard and Visa processing systems for years/decades so I am not new to this either. I hadn't read your original link because it looked like it was only about Capitol One. I was more than dubious that he was right but none of the documentation I found on the USAA website was at all clear about how the chip with pin was used. That's when I called USAA. I bet the csr had no idea what I was really asking.
It is a great shame that they didn't stick with the chip & pin methodology. I wonder if this is something that they need to change on the card itself and reissue cards or can be modified at the backend. My guess would be the verification hierarchy is set on the chip and requires a reissue.
I also have an American Express card with a chip and pin. Any idea of how that works? They didn't have a clue.
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The OP mentioned BoA ATM card: when we traveled to Germany last year it didn't work in any ATM because they had blocked it due to my neglecting to inform them about our travel; so, I think it's definitely advisable to inform BoA.
Thankfully, we also had a Chase ATM card which worked fine even though they also had not been previously informed of our travel.
Lesson learned: inform your bank, especially BoA.
We encountered no problem using our magnetic strip credit cards but this year in London when we were using the machines at the Tube station, we had to use our CC that had a chip (that card has no PIN) as the magnetic strip only CC would not work.
Our latest ATM card (Chase) just came and it's equipped with a chip, so I'm wondering if it would work in those situations (train stations, toll roads) that the chip and signature cards won't work? I suppose we'll find out eventually...
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My guess would be the verification hierarchy is set on the chip and requires a reissue.
ceezee - that´s my understanding as well. This information applies to all credit cards and is of particular importance to those who travel.
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<<there are no local ATM fees within the EU>>
Not quite true. European banks don't charge a transaction fee for ATM withdrawals, but some non-bank ATMs (like the kind you'd find in a 7-11) do charge a fee. Stick to the bank ATMs.
Another issue: DCC. I was recently in Spain and several of the bank ATMs asked if I wanted to be charged in euros or US dollars. In one case, it was difficult to find the option for euros. I'm assuming that, had I had picked dollars, the exchange rate would not have been favorable.
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I'm assuming that, had I had picked dollars, the exchange rate would not have been favorable.
That is correct. Whenever DCC is offered, it should never be selected.
Visa/MC changed their service agreements several years ago; if a customer selects DCC and makes a payment in dollars, Visa/MC still charges the foreign transaction fees. Any Visa/MC transaction not made in one´s own country will always incur their FTFs. There are some exceptions: Charges made at foreign military bases or embassies are not charged FTFs.
Some banks, such as Andrews, PenFed, and CapitalOne absorb the currency conversion fees on any transaction but choosing DCC still exposes one to unfavorable rates of exchange.
but some non-bank ATMs (like the kind you'd find in a 7-11) do charge a fee.
Mimar - you are, of course, correct and I should have made the distinction.
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It should be noted, while we're on the subject, that you can be hit with foreign transaction fees even in the US, even paying in USD. I encountered this when buying a plane ticket from Turkish Airlines, and have since been careful to use my Cap One or PenFed card for transactions wih foreign companies. Most companies will not warn you, but when I paid a deposit to Hurtigruten earlier this year, they did warn me, which suggests that they've had a lot of complaints!
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From the USAA website: "Although USAA Bank chip cards are "signature-preferred," the terminal may prompt you for a signature, a PIN or neither based on the dollar amount. You can create or change a PIN online on usaa.com or on the USAA Mobile App."
I used chip and PIN in Canada in November.
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Thank you all! What is "DCC"?
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DCC = Dynamic Currency Conversion
An offer to perform a transaction in your home currency instead of the currency of the country you are in. Always a horrible deal for you, and a source of income for the company offering the "deal".
See also: https://en.wikipedia.org/wiki/Dynamic_currency_conversion
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My AMEX card doesn't have a Chip, but I see on the website some of theirs now do (I have the Blue Cashback). I tend not to use it abroad due to the 2.7% foreign transaction fee, but it has come in handy occasionally when a store wouldn't take Visa/MC (odd, I know but true once due to those networks being down). I just like taking one of each kind with me, anyway.
Their website says it is a chip and signature, they6 don't have chip and pin.
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Folder include EPS10, Ai and JPG files. EPS10, Ai files can edit in Adobe Illustrator CS5, CS5.5, CS6 and CS. 100% Vector. Vector Shipment Icons Set 33 isolated on white background. Gradients and blends used.
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Conditions of dilemma out tendencies in the theater-to ascertain fury and the thepleasures and needs and desires, and soreness that go with steps are directly revolutionized to and determine our reactions to life -Plato In contrast to Plato's decided, dilemma is really a medium sized to give the fury, pleasures, yearnings and serious pain noticed to the modern culture in the point. It was a successful medium sized to talk about theoppression and grievances, and hypocrisy in their modern society. Over a duration of time, innumerable plays delivered unnumbered figures emulating daily life inside your community. Drama has come to be an important field for anyone of mixed ethnicities, locations to unite in frustration and having difficulties. It really helped brotherhood give over and above geographic boundaries. This essay is mostly about levels of drama. Dilemma begun with training approaches to tracking, attitudinal forms and public customs. Training drawn with the incidents needed to be approved to the future generations.
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, 'how could I stay best? Characteristics and passing ' was in need of responses. Men for that reason believed in the creation of faith and worry. Women and men begun to explore the best way to you should the makes of dynamics. Drama was essential in pleasurable the gods, a key player in order to keep the tribe altogether in fear and worry and religion. The drama of 'primitive living' was in the future referred to as folk drama. It absolutely was Egyptian in the make and flair. 400BCE watched go up https://grandpaperwriting.com/ of Ancient greek drama. Roman and Greek dramatists immersed in Western lifestyle wafted it into assorted countries in their way to popularize the classical decided.
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The Western countries and colonies, wishing for revelry considered their hay. Cathedral revived 'medieval drama'. Conversions into Christianity happened inside the large scale. Holy bible memories is more regularly shared with in their performs. Dramas is mostly completed in monasteries. The history of Mary exploring Christ's tomb to check out Christ's resurrection was the best perform belonging to the age group. The takes on were found to be commonly carried out exterior through the entire spring and summer many months. These performs were actually termed pattern takes on. Morality takes on that came out in the future were like cycle takes on.
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These focused on men's frequent battle in between sound and wicked. Roman of these Rose was one of the most powerful morality represents. The renaissance or rebirth of drama happened Anywhere between 1400-1700,. Renaissance initiated in Italy. The intention of drama transitioned from accounts advised from the Church to reports produced for commoners. The complete European countries cleansed on its own over the vulgar dilemma through the revival. Renaissance dilemma was Shakespeare's Great britain.
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Theater flourished in the reign of Princess Elizabeth, Ruler James and California king Charles. Christopher Marlowe, Ben Jonson, William Shakespeare seemed to be the majority of the significant freelance writers of an renaissance interval. Amorous drama commenced in 1980s, in Germany. It affected the European dilemma. These has which begun in Germany begun to sway the material of scripts created for that period. These plays shared the wilderness and excellent real. Another popular style of music was melodrama. A melodrama was usually a conflict of pleasant and bad, with effects of crashing trains, horse rushing and quakes of planet. Art engineered rationale.
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For this reason realism in fiction turned into most more suitable form of fiction for the duration of industrial emerging trend. 19th century's interest with truths made it possible for only proper-reality mishaps in stories. Henrick Ibsen, Doll Household, Ghosts, an Enemy of people, The outrageous duck spoke about women's duty during the community, mercy eliminating, political hypocrisy. Blog modernism owned its influence on Language dilemma naturally of 20th century. It absolutely was a reaction to too much to handle control of Samuel Beckett's absurdist and Eugene O'Neill's nihilistic significant experimentations in tongue and thinking. To conclude, drama existence in the event that concerns and confidence are located. Right now, the unique type of dilemma may not sound as fashionable as flicks. Even so it has followers despite the movies.
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Avenue plays, Theatre can be more common if they step the existing world issues. Drama life if it is the agony, fury, wants and pleasures observed involved in the culture.


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Saif, Riteish make 'Humshakals' director Sajid dance to their tunes
Saif Ali Khan and Riteish Deshmukh have forced 'Humshakals' director Sajid Khan to match steps with them in a track in the film.
(L-R): Saif Ali Khan, director Sajid Khan and Riteish Deshmukh check out their dance steps
While shooting for the song Hum Paagal Nahi they made merry and made Sajid get jiggy to one antara with them and also made sure that it was filmed.
The unit was in splits seeing the actors calling the shots and making the director dance to their tunes. This song sequence will be shown during the end credits which was Saif's brainwave.


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Despite the copious amounts of venture funding that have flowed to them in recent years, food tech startups havent had an easy time of it especially in the food delivery game.
Since 2015, GoodEggs, Zesty and Munchery have shuffled their executive decks, meal kit delivery darlings Blue Apron struggled with worker safety, and logistics providers Postmates struggled to lock in a new round of funding.
By contrast GrubMarket, a younger e-grocery backed by Ashton Kutchers Sound Ventures, has reached a $5 million monthly revenue run rate, and hit breakeven on its business overall according to founder and CEO Mike Xu. Could this be the next Whole Foods or Costco? The CEO attributes GrubMarkets growth and margins to disciplined spending on marketing and merchandising, and a mix of direct-to-consumer and business-to-business customers.
GrubMarketcurrently offers grocery delivery services around San Francisco and Los Angeles, with plans to expand into the Southern US later this year especially in major metro areas of Texas and Tennessee.Having raised $20 million in its last round of funding, GrubMarket nowemploys about 70 full-time employees.
Xu tells TechCrunch, When we raised our Series A we put a lot of money into Facebook ads but found we could not retain all the customers we attracted long-term. So we retrenched. Our new approach is to incentivize our sales people for loyal customers. People get a commission for new sales, and for retaining their customers.
Like predecessors in the offline and e-grocery world, GrubMarket works directly with farmers to lock in favorable rates on products its customers crave most whenever they are in season. The startup allows users to shop ad hoc for everything from meat and produce to shelf-stable items youd find in the pantry.
Those who buy a GrubMarket membership get discounts on different items, rack up points for every dollar they spend, and get free deliveries no matter the size of their baskets. Non-members pay a delivery fee unless they hit a certain threshold, usually around $35 an order. In that way, the company is comparable to something like a CostCo or Amazon Prime.
Grubmarket is aiming to go public by late 2018 or early 2019, Xu says. The company is facing stiff completion in its quest to become the go-to grocery online for people seeking farmers market-grade foods.It will compete with companiesas far-ranging as Door to Door Organics, Peapod, Good Eggs, Google Express and Amazon Fresh, not to mention brick and mortar groceries who offer deliveries often inconjunction with on-demand apps likeInstacart or Postmates.
According to market research from 1010 Data, shared by the firm with TechCrunch, grocery delivery sales have grown 55% since 2014. California and New York so far represent the biggest markets for these services in the US.
Read more: https://techcrunch.com/2017/01/09/online-grocery-grubmarket-breaks-even-and-wants-to-go-public-in-2018/


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Ellen's 12 Year Old Guest from Wales Will Leave You Speechless
Robert Englund Returns as Freddy Krueger for New Nightmare on Elm Street Documentary
Game Of Thrones Inspired Make-Up Coming Soon
The Top 3 Things Your Shouldn't Share With Your Friends
'The Bachelor' Contestants Spend How Much To Compete On The Show?!?!!Nope, the show doesn't give the ladies a make-over!
Watch: Dads Put Make-Up On Their Daughters!LOL: It's not Father's Day yet, but the video is a heart-warming reminder of the special bond between dad and daughter.
80 Year Old "Glam-Ma" Becomes Internet Darling With Superglam Make-Up Looks80 year old Livia lives in a nursing home, but is enjoying her internet fame as Glam-Ma!
Lionel Richie Launching His Own Makeup Line; Yes, Really!
Britney Spears Meets Hillary Clinton, But Looks VERY Different In PhotosWould you have known this was Britney if you hadn't been told so?
Funny: Watch What Happens When Women Take The No Mirror Make-Up Challenge!
Jack's Throwback Video Of The Day: Missing Persons
Jack's Top 5 80s Music Videos


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- The best chargers have a microchip that monitors the charging activity, manages for "optimum trickle," and terminates the current flow at the optimum point. This type of charger may cost a little more, but it will likely extend the life of your rechargeable batteries, making the extra initial cost of the "smart charger" worth it.
- If your battery charger doesn't have such braininess, take the batteries out as soon as they're charged up.
- A typical NiMH-battery charger will also charge Nicad batteries, but the reverse is not true. (A Nicad-only charger would overcharge the NiMH batteries.)
- A solar charger is the absolute greenest choice, eliminating the cost of electricity and the pollution associated with generating it. They usually work more slowly than plug-in rechargers, but if you've bought extra rechargeable batteries, that will not be a problem.
- Use your batteries almost to the point of complete discharge, i.e. do not run them down to the point of total failure. And don't overcharge the batteries, either¡ªespecially NiMH batteries.
- Remember that you'll need to charge up your Nicad or NiMH rechargeable batteries before you use them.
- If you treat your rechargeable batteries right, you won't need to worry about diminished recharge capacity for at least 400-500 recharges.


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What's wrong with me?
It's time for a new mindset and better skills!
Every time I turn around some network marketing guru tells me that I have to grow. I have to improve myself. They want me to read books and listen to CDs. They want me to attend company functions and events. They want me to get training and take classes. All of that costs money and a lot of it. Yes, they tell me to invest in myself. I have one question for them …
What's wrong with me?
What's wrong with the way I am now? They don't even know me. How could they possibly know that I need to improve myself?
Have you ever felt like that? I know I have. I've been all but offended at times.
Several years ago, I got a bug up my bonnet and I called my upline. I told them that I had a problem with being told that I wasn't good enough to build this business. They stopped me mid sentence and they said, "There's nothing wrong with you. I want you to think about this. With your current skills and mindset, you've managed to get to where you are now. Do you think that with what you know now that you will get to the top of this business?"
They caught me off guard. I had to ponder that for a few minutes. While I thought about it, I was waiting for them to finish with … "Well, do you punk?"
I felt like a dog that had just been swatted on the nose with a rolled up newspaper. I had to admit that I wasn't sure if I could reach the top at all, let alone with the skills that I had, at that moment.
They continued, "It might be possible. You could reach the top level of this business with the skills that you have now. It is possible. It's just not likely to happen that way. Almost everyone who signs up with a network marketing company has work to do, both on themselves and on their set of skills."
I did appreciate their blunt honesty, although I wanted to be mad at them.
When you think about it, who does self improvement? Answer: All those people who want to improve themselves and their lives. It's rare that you'll find someone who is reading a book about improving some aspect of their life, if they have no interest in self improvement!
Are the other people at your job reading self improvement books? There might be someone there who is reading a book, but odds are that no one is. They are happy with the status quo. They are comfortable with where they are and they really don't want to put in the time or effort to learn anything new that could effect their lives, dramatically.
Learning new skills and improving your mindset could have lifelong effects on you and your situation. At worst, you'll become a more valuable person and at best, this could help you to reach the top levels of your company's pay plan!
There's nothing wrong with you and there's nothing wrong with where you are in life. You just need to answer the question, "Do you want to be better?" Or "Do you want your life to change?"
You should base your course of action on your answers to those questions!
It's no wonder why network marketing has been called a self improvement business with a compensation plan attached to it!
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- Please select a date to see the proper prices!
Description of the accommodation:
Rooms, services Have you never been to Mexico, or are you just looking to repeat a remarkable experience? Hotel Suites Campestre de Morelia would be pleased to host both you and your family for a stay. The hotel is offering 20 tastefully furnished rooms to those seeking accommodation in Morelia. You can secure your valuables in the safe. The exact scope of services offered by Hotel Suites Campestre de Morelia (including those for an extra fee) is available on the information sheet below.
Payment Advance payment by credit card or providing credit card guarantee may be necessary for finalizing the reservation, depending on the chosen date, room and price.
Arrival, opening hours The earliest time to check in at the hotel is 15:00, the latest time to check out is 12:30. The personnel is at your service in Spanish and English languages.
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Accommodation services
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Titletown Exteriors was founded with a commitment to provide homeowners with a high level of expertise and technical knowledge on a variety of quality product lines. We're dedicated to top-notch service, so you can be confident that your replacement windows and doors, roofing, siding, and gutters are installed properly to maintain the highest level of satisfaction that lasts well beyond the purchase and installation.
Titletown Exteriors has a proven track record of providing expert recommendations on replacement windows & doors, shingles and gutters for the past decade, as demonstrated by the countless referrals we've received from happy clients in Green Bay, Appleton and the Fox Cities, and throughout Northeast Wisconsin. Our knowledge of the replacement window & door market will help us assist you with choosing the right product to fit the design aesthetic of older and new homes alike.
In addition, Titletown Exteriors has carefully built a staff of friendly, experienced installers to provide the same level of product knowledge and quality work, focused on customer satisfaction.


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Government Spending Affects Gross Domestic Product
June 7, 2011
In February, the Goldman Sachs economist Alec Phillips predicted that a Republican proposal in the House of Representatives to cut $61 billion from the federal budget in fiscal year 2011 would, if enacted, shave two full percentage points off America's gross domestic product (GDP) in the second and third quarters of this year. The logic behind this, as with similar analyses by Fed Chairman Ben Bernanke and Moody's Analytics chief economist Mark Zandi, is that government spending cuts reduce overall demand in the economy, which affects growth and then employment. But this argument ignores the fact that the government has to take its money out of the economy by raising taxes, borrowing from investors or printing dollars. Each of these options can shrink the economy, says Veronique de Rugy, a senior research fellow at the Mercatus Center at George Mason University.
All these analysts also systematically ignore the fact that GDP numbers include government spending. When the federal government pumps trillions of dollars into the economy, it looks as if GDP is growing. When government cuts spending -- even cuts within the most inefficient programs -- aggregate GDP shrinks. But that's misleading.
- If Washington spends $1 a year on a bureaucrat's salary, for example, GDP numbers will register growth of exactly $1, whether or not the employee has produced any value for that money.
- By contrast, if a firm pays an engineer $1, that $1 only shows up in the GDP if the engineer produces $1 worth of stuff to sell.
- This distinction biases GDP numbers -- and the policies based on them -- toward ever-increasing government spending.
- Furthermore, GDP does not capture changes in personal investment portfolios or changes in private research and development spending.
We have tried spending a lot of money to jumpstart the economy, and it has failed. Now we need to cut spending and lift the uncertainty paralyzing economic activity. That approach will not just be more fiscally responsible. It will also empower individuals and entrepreneurs, and they are the only ones who can bring on a real recovery, says Rugy.
Source: Veronique de Rugy, "Ugly Modeling," Reason Magazine, June 2011.
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Written by: Tyler Sminkey
Halves & Wholes is bringing the best subs you love from up north to Alton Rd. in a sandwich-shop style environment complete with subway tiles and hightop tables. These guys use only the best bread, they make amazing homemade chips in front of you and cover everything with the best secret sauces.
You've probably seen a couple of these sandwiches as you've scrolled social media lately. We got the chance to try a couple of them for lunch recently and were blown away. We will definitely be back to try more very soon.
At $9 for a generous "half" of a sandwich, the signature Cheese Steak is a work of art on a sesame seed baguette topped with shaved rib eye, jalapeño jack whiz, provolone, sofrito and crispy onions. Meanwhile, the Eggplant Croqueta Preparada made us feel like we were cheating on one of those famous Cuban restaurants because it was just as good, if not better, than a regular croqueta preparada. It came smothered in melted Gruyere and topped with shaved pickle, fried onions and their house dijonaise sauce. TIP: Order extra of the dijonaise…like a lot extra.
The homemade chips are thick and crispy, served with a side of jalapeno cheese, plus every sandwich comes with their house slaw which was tangy and a perfect break in between inhaling the sandwiches. Forget footlongs, one of these halves is more than enough food.
Led by Menin Hospitality's corporate culinary director, Chef Bernie Matz, Halves & Wholes showcases 12 Best signature sandwiches along with the option to build your own. Customers can create their own sandwich 7 days a week from 11 a.m. until 5 a.m. with roasted meats, artisanal cheeses and secret homemade sauces all layered on custom-baked bread that is shipped daily from the famous Delray Beach bakery, Old School.
Begin drooling by checking out Halves & Wholes on Yelp and Instagram.


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Doctor Who- coloring practice by seph-hunterWatch
©2011-2017 seph-hunter
Its ~ChrisSamnee drawing Doctor Who. He's awesome. Doctor Who's awesome. Why on Earth would anyone not love it?
Anyway, I found this god-like bit of awesome on the internets and took a crack at coloring it for for some practice.
color hackjob: me
Anyway, I found this god-like bit of awesome on the internets and took a crack at coloring it for for some practice.
color hackjob: me
Nice. How many peanut butter cookies will I have to bake you to get you to color some of my comixxxxxx?
when the doctor did that with Amy she was in her nighty. Her pajamas. And some shoes that in my opinion look like vans. But otherwise great work! I love that scene!
such a sweet image great work
delightfully stylish coloring I must say...very retro, I like the addition of the stipple dots, also nice lighting you got going there, very subtle but it works oh so well
Dude. Doctor Who is beyond awesome. So FEW people at my school know about it and I get made fun of because I obsess over it. But my girlfriend and I always talk about it and the other day she texted me right as I was getting ready to text her saying "Fez's are cool" and I was going to text her the same thing.
Anyways awesome color bro.
Anyways awesome color bro.
cue theme music
This kicks ass. :'D <33 The colors are SEXY.
Chris is awesome. Your colors over Chris's work is awesome therefore you are awesome. 'nuff said.
(At least with this crowd)
Did you add in those halftones? I likes.
Did you add in those halftones? I likes.
Your self-deprecation will get you nowhere. Nice colors.
Aw stop it. it looks great!
So great! You did a fantastic job, man. Also, I'ma watch this Chris Samnee feller; he's got some good stuff.
Better than the show (these days)
nice, very comic book-ish
Did you do the inking? That's what I like the best
That was such an awesome scene.
dude awesome work on that coloring.


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#2 - 15055 Twp Rd 674, Lac La Biche, AB, T0A 2C2Listing ID# FM0085151
#2 - 15055 Twp Rd 674, Lac La Biche, AB, T0A 2C2Listing ID# FM0085151
$ 159,000
#2 - 15055 Twp Rd 674
Lac La Biche, AB T0A 2C2
- Listing ID FM0085151
- Building Type: Single Family
- Land Size: 8.01
- Status: For Sale/Active
- Days on Market: 526
- Tax Year: 2015
- Taxes: $500.00
- Garage: 0.0
Travel time
Property Description
Large Residential acreages in The Mission area. This 8 acre parcel is mostly cleared with some trees for privacy from the road. Only 13 kms from town and 4 kms to Mission Beach for fishing and year round recreation on Lac La Biche Lake. There's plenty of room for your dream home as well as accessory buildings, your dream shop or just to have elbow room for your all your toys. Developer is willing to discuss carrying financing. The developer is also a builder and can build to suit your custom home and also has a selection of blue prints of homes to choose from. File #540
The data relating to real estate for sale on this web site comes in part from the Internet Data exchange (?IDX?) program of the Fort McMurray Real Estate Board. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data on this website is deemed reliable but is not guaranteed accurate by the Fort McMurray Real Estate Board.Copyright? 2017 Fort McMurray Real Estate Board. All Rights Reserved.


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Beyond Lucid
November 23, 2012
Beyond Lucid Technologies, a 3-year-old startup that offers a mobile platform for first responders, called Mediview, announced a new investor this week. Dalmore Investments LLC, an angel fund based in Minneapolis, gave the company a six-figure convertible note, according to their website. This appears to be the company's first major raise. It will be added to $420,000 in previously announced seed...
September 20, 2012
Chemotopia's personalized chemotherapy decision tree This week healthcare academy StartUp Health announced 12 more companies that would begin its three year program, which is designed to help them better navigate the world of healthcare. Like its inaugural class StartUp Health's second class is includes a couple of well-known entities, including Dave Chase's Avado, CakeHealth, and Greatist....
Editor's Pick
March 18, 2016
February 26, 2016
February 26, 2016
February 23, 2016
March 18, 2016
March 08, 2016


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Valve's Gabe Newell predicts PC-to-TV video gaming feature to be standard
Roshan Ashraf Shaikh / 5 years ago
Gabe Newell believes that PC will become living room friendly all thanks to the ability of the newer wireless streaming technology and the current structure of the market.
Its predicted that many users with a powerful enough gaming PC will be able to wireless stream the games to any TV as super-low latency.
Mr. Newell said,"The good news is that's going to start at about $100 and eventually go down to zero. This will just become a standard feature of every television, the latency is basically nonexistent, so we really believe it's a very low-cost pathway [to PC games in the living room] and a very high-quality path."
Newell added that PC's have always scaled well compared to what consoles offer with a choice that you can add more storage and even the presence of many PC vendors who can build a $4,000 PC system for your living room. He also stated during DICE 2013 that if they're able to bring greater user experience on a PC for the living room, there are lot of hardware choices out there that will satisfy even the consumer's high-end needs.
Via: CVG


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Skin prep
The first part of sticking a patch down involves preparing the skin for the patch. The most effective strategy seems to be washing the site thoroughly with a mild and pure soap—not something loaded with moisturizing oils but rather a something more like a glycerin cake or castile soap, for example.
Then dry it thoroughly. A hair dryer set on low is good for this, so that the site's not picking up lint from a towel.
Since putting a fresh patch on skin with dilated blood vessels from a hot shower can give us a nice little zap from the enhanced uptake, it's important to let the skin cool thoroughly.
Then it's time to apply the patch. Another session with a slightly warm hair dryer or holding a warm hand firmly on the patch for several minutes after it's applied, pressing it down fully and evenly, will help make the seal fully seat onto the skin.
As a final measure, a light dusting of powder will reduce the sticky along the edges and help prevent peeling from sticking to clothing. You may need to renew the powder daily if the adhesive tends to extrude a bit with time.
Do not use benzoin or the skin prep pads sold to people with ostomies to help their appliances stick to the their skin—those will make the patch stick, perhaps, but interfere with hormone transfer from the patch into your body, which sort of negates the whole effort.
Don't use things like acetone or industrial solvents to clean the area before application—that's going to alter the skin's uptake and expose you to risks from those agents. If you have to resort to heavy chemicals, you're not a good candidate for a patch.
If you want to be extra-sure you've cleaned the skin of all oils, one patch manufacturer suggests wiping the area down well with an alcohol wipe. Rubbing alcohol on a tissue or cotton ball will work equally well—you don't need to buy the expensive packets of individual wipes (although they're handy for travel use). Be sure to fan the area (or give it another whoosh with the hair dryer) to be sure all of the alcohol has evaporated and the skin is fully dry before you apply the patch.
Last, do make sure that the skin is well smoothed out before putting the patch onto it. One of our discussion group members shared a tip she got from her patch manufacturer: when applying a patch to the butt, sit down to apply it. This obviously will stretch things out and help assure that when you sit down later, you're not ripping it loose as your skin stretches. Clever, eh? That won't, of course, help with patches in other locations, but we can take a lesson from this and make sure we do smooth and even stretch out the skin if it's an area where there normally is considerable stretch in the course of our daily activities.
Some women find that they have a lot of body hair and this presents them with adhesion problems. For them, careful shaving may be necessary—careful because nicking or scraping the skin will also alter the uptake of the patch and then provide a risk of infection when sealed beneath the patch for that many days. This isn't something to undertake unless patches spring up obviously standing away from the skin on hair—women who have a history of bandaid failures know what we're talking about here. Don't get into this unless you absolutely have to, and even then, it's a good reason to consider another HRT form.
If that doesn't do it for you, then you need to look at the actual mechanics of the problem. If it's just edges rolling up from clothing, perhaps more careful selection of application location would help. If the powder trick doesn't work, perhaps taping down the edges would—that's okay, so long as the edges are well-sealed to begin with and you're just protecting them, not sticking failed portions of the patch back down. If you tape edges and the patch remains fully stuck down right up until the time when you peel it off to change it, you're okay; anything less than that total adhesion and you're fooling yourself (and not your body) with the tape. Don't take the tape off and replace it if it starts to curl, though—that's just going to lift the patch with it.
Some women who develop rashes under patches like to use an over-the-counter steroid ointment to facilitate that healing. We're not sure that any degree of irritation that takes drugs to recover from is being all that kind to our bodies in the long run, but in the overall scheme of balancing risks and benefits, we'll have to leave that one up to you. Remember, though, that different brands of patch have different chemical constituents in the adhesive, and so a rash from one brand will not necessarily happen with another.
After bathing
If you use body moisturizer after your showers, be sure to skip the place where you're going to put your fresh patch. It's fine to use a regular moisturizer, if it doesn't sting, where the old patch was. After all, that area is probably going to see another patch in a couple weeks, so making sure it's healthy and recovered is just right.
The dreaded goo-and-lint aftermath
Once you've removed the patch, you may be left with that unattractive lint-and-goo ring. This is also not the time to reach for heavy industrial solvents that aren't meant for use on skin that's just spent days underneath an airtight barrier. Instead, try a light coating of vegetable or nut oil or body butter. Let it sit on the goo for a few minutes, then shower. You should be able to wash the now-softened goo off with your usual soap and washcloth.
It still doesn't work
Finally, keep in mind that each patch adhesive is by definition (and patent) different. If one brand doesn't stick for you but you love patches as a concept, for goodness sake try the rest of the brands to see if another might provide better results for you. That's what samples are for.


text:
Staying safe online: parental control software
PARENTAL control software promises to keep kids safe online, and it's available free from all the major UK broadband providers.
Whatever their feelings on the Government's war on adult content (more here), families want to look after their youngest members when they access the internet.
In this article, we take a look at the best ways to do that.
How do ISPs' free parental controls work and can they really stop children from coming across harmful material or protect them from bullying?
skip ahead to find more
BT, Sky,
TalkTalk and Virgin Media
More on controls:
We'd love to hear about what works best in real homes, too, so let us know in the comments at the end.
Parental controls from BT, TalkTalk, Sky and Virgin Media
All of the UK's big broadband providers have offered parental control software, usually with Norton or another big security firm, free for their customers for some years.
However, following an agreement made with the Government in 2013, they now offer:
- Router-level controls: meaning that all devices connected to the home wi-fi network will be automatically subject to any blocks set up, as opposed to software which must be installed on each computer.
- Simplified settings: categories of content that will be blocked. Sky have PG, 13 and 18 age ratings while BT have "light" to "strict" settings, for example.
- More information: on how to use controls and other advice on keeping safe online through Internet Matters.
- "Active choice": new customers aren't able to completely set up their broadband connection until they've engaged with the parental control settings; existing customers will occasionally be targeted by a series of dialogue windows asking them if they'd like to set up filters.
We've reviewed all of these ISP controls to see what that actually means.
TalkTalk: HomeSafe
TalkTalk are very proud of their HomeSafe software. Launched in May 2011, it was the first to offer blocks at router level. Theirs is the model that other ISPs have since followed.
HomeSafe's parental controls fall into two categories: Kids Safe and Homework Time.
Kids Safe is the part of the system that deals with general content blocking: it allows parents to select broad categories which will then be restricted.
There are nine categories including Suicide and Self Harm (the most used category, according to TalkTalk), Violence and Weapons, Filesharing, Games, and Social Networking.
Homework Time lets parents set a time to block access to social networking and game websites, either seven days a week or Monday to Friday.
In early 2013, TalkTalk said 1.2 million customers (about 25%) used Homesafe and 410,000 used Kids Safe; by June 2015 around 33% of new customers were opting in to Kids Safe - a figure they say is broadly in proportion to the number of households with children in their customer base.
BT: Parental Controls
BT launched their free network-level parental controls in late 2013.
We first reviewed them in early 2014 (read the full review here) and, in brief, found the filters simple fairly effective and easy to use.
It was fairly easy to bypass controls, and we found some problems with the filters blocking too many sites, or not blocking sites that should have been categorised as unsafe.
However, in general, the filters work well.
Since then, BT have improved various aspects of the controls. They now not only cover the household wi-fi, but any device accessing BT's UK-wide wi-fi network using the household account.
There's also the option to fine tune the days and times of day when the filters are active, and how strictly - for example, there's a homework setting that blocks both the sites caught by the standard filters and social networking, games, and school cheating sites.
Our review has more information about setting up BT Parental Controls; there's also a decent set of FAQs on MyBT - or users can watch this video:
BT also offer Family Protection software, which they say is ideal for homes with just one computer. Customers set up different password-protected accounts for each person using the computer, allowing suitable levels of access for each.
BT Family Protection has more advanced settings including:
- Social media monitoring: control the use of social networking sites such as Facebook, and set up alerts if personal information is posted.
- Content filtering: such as YouTube videos and iTunes, as well as restricting access to media players.
- Usage reports: keep track of what's being accessed and when.
- Email alerts: to let you know if anyone has gone over their time limits, posted personal information such as phone numbers, addresses or used explicit words online.
- BT Parental Controls: free
- BT Family Protection software: free
- BT Virus Protect for two computers: free
- BT Virus Protect for up to 15 computers: Free with BT Infinity 2, or £4/month
As noted above, this is only really an option for households with one main computer, and these much more advanced settings require more monitoring.
Since April 2016, BT have also offered McAfee NetProtect Plus, known by the name BT Virus Protect, free to all customers.
This is a security suite that offers anti-virus protection, a firewall and, almost incidentally, some parental controls.
Every BT Broadband customer is automatically entitled to download and use it on up to two computers; Infinity 2 customers get protection for up to 15 computers.
Those with Standard broadband and Infinity 1 can upgrade to get this extra coverage for £4 a month.
Sky: Shield parental controls
Sky released their network level controls - called Sky Broadband Shield - in late 2013. They were the first to switch them on by default for all new customers, and for existing customers who didn't respond to prompts, in July 2016.
We reviewed the controls in depth in this article.
In brief: we found that Shield offers simple control categories (PG, 13 and 18, as shown left), a watershed option, and some basic advance settings (custom category blocks and blocks/unblocks for individual sites) which work well, if a little slowly.
We found that when using any device other than the one used to set up the service, trying to access blocked sites gave us a time out error, rather than showing a "this site is blocked" message, which could be confusing.
But there's no option to limit time spent online, which is a shame.
Instead, Sky offer a free trial of McAfee Security Suite, which does include the option to limit usage as part of its own parental control settings.
Customers with Broadband Unlimited or any of Sky's Fibre packages can use McAfee Security Suite on up to three PCs (not Macs, please note) for 12 months free of charge; those with Sky Broadband 12GB will get three months free.
As well as the additional parental filters, there's virus, malware, and wi-fi protection. After the free trial period is up, to keep using the program will cost £3 a month.
Virgin Media: WebSafe
Virgin Media released their network level parental control option, WebSafe, in early 2014.
When it was first launched, it protected up to three computers - but every member of the family needed an identical user profile on each computer, and the controls had to be installed and set up on each machine as a result.
There were advantages to needing so much attention - it was customisable for each member of the family, for example, so older children had more freedom than younger kids, and adults could set up a profile with no restrictions.
But WebSafe is now a network-level form of protection, like that provided by the other three big ISPs - so every device connected to the household's broadband connection is automatically covered.
Again we can add or remove sites, and there's a timer option to allow WebSafe to be switched off for certain periods - a bit like the watershed setting on Sky Broadband Shield.
Like the other big ISPs, Virgin Media also offer a paid security and control software option called F-secure SAFE.
F-secure protects up to five devices, including smartphones and tablets. It allows users to:
- Screen out offensive material by preset age categories and using individual site blocks.
- Set up different controls for each profile on the computer (as long as everyone uses a password to log in to the shared computer).
- Set time limits.
F-secure SAFE is free for all Virgin Media broadband customers for the first year. After that renewals cost £25 per year - instead of £79.99 as paid by other users.
As above, the basic parental controls are totally free.
Other parental controls
As well as ISP controls, there are a number of operating system and software options parents can use.
Operating system controls: Windows and Mac OSX
Windows Vista and Windows 7 each had parental controls built into them; when Windows 8 was launched, these were bolstered by the introduction of what Microsoft call "Family Safety".
Family Safety adds different levels of web filtering, a safe search option, and a daily usage limit to the controls available with Windows 7; it also provides weekly email reports of the activity of each user to which Family Safety is applied, including any Windows Store downloads.
Mac first introduced parental controls in OS X 10.4 Tiger, and all OSX since have offered parental controls via System Preferences (here's how to set them up in Mavericks, Yosemite,El Capitan and macOS Sierra).
The image below shows one way to use the Mac controls to set time limits on computer use, for example.
The main advantage of operating system parental controls is their robustness and simplicity: this is basically what multi-user operating systems were designed to do.
Simply set up a user account for each adult and child, adjust the settings for each user and there's less chance of older kids finding workarounds or discovering browser compatibility issues.
Operating systems also have more control than software applications - they can limit access to other applications like games, for example, as well as web content.
Control software: Norton
All the big security companies offer parental control software. They're all fairly similar but let's look at Norton's in a bit more depth.
With the free version of the Norton software, parents can block certain categories of sites (or give a warning about the site but allow access, which is a nice feature) and receive alerts if children give away information or go somewhere possibly dodgy.
With the paid, Premium, version of the software parents can, among other things:
- Monitor the videos children are viewing.
- Keep track of smartphone apps.
- Remotely view text messages.
Parents can track usage in a simple online account manager - allowing for remote access - with an activity summary which shows, for example, the child's most visited web sites, most popular friends on instant messaging services and recent searches.
To set different limits for different children and give a restriction free option, each family member needs their own user account on the computer, and to track social networks parents need to enter the log-in information for the sites they want to view.
Norton aim to be transparent with children about what they can and can't access, and what information is being recorded about what they do online.
The company says this approach helps to teach children Internet safety by actively involving them in setting the rules.
Find more information on the Norton site here.
More information on controls
In a bid to help promote the use of parental control software, The UK Safer Internet Centre (UKSIC) has been working with BT, Sky, TalkTalk and Virgin Media to launch online video guides to help parents set up the controls software and offers information on other controls too.
The video guides are available on UKSIC's site here.
How useful are parental controls?
Government interest on the issue of online safety has put parental controls under the spotlight.
There are three main strands to the debate which we'll look at briefly here.
- Is using controls good parenting? Setting rules for children might be better than keeping track of them and/or restricting their internet use.
- Are controls a good use of time? They can take time to set up and monitor that might be better spent elsewhere.
- Do technical problems make controls useless? All controls have their blind spots or block too much; does it matter?
After that you can find more comment on cyberbullying and the Government's role in promoting internet safety at home.
Controls vs parenting
There's a very contentious debate on how useful this software actually is compared with "traditional parenting".
On a Slashdot thread about just this, we noticed the following particularly odious response to a user who asked which software was best:
"If you're looking for software to take care of your children for you, you've already failed as a parent."
The sentiment is uncommonly offensive but commonplace.
There are plenty of people out there waiting to tell parents that focus on software is wrong headed, instead suggesting educating children about online safety or standing at their shoulder every time they're at a computer.
We think that, while both approaches can be useful, software can also be a vital part of parenting: the online equivalent of the stair gate.
In addition, monitoring use of social networks and keywords could be particularly useful for children affected by bullying.
Let us know what you think in the comments or get another perspective in this article written for us by Will Gardner, the CEO of Childnet International.
Time and effort
If there's one thing parents, and all of us, are short on, it's extra time.
Most parental control software aims to work in the background requiring little maintenance, and the alerts they send can be useful but, even so, the programs do require some time to set up, particularly on multiple computers.
With Microsoft Family Safety and Norton, for example, we need to create different user accounts to log into the computer: one for each child or family member. If people start using accounts that aren't their own, the software will get confused. In households with more than one computer, there's a good chance users will have to set up the programmes more than once.
It's a bit of a slog.
This makes the software provided by the ISPs much more attractive and user-friendly: their settings are simple and clear and, because they apply to everyone using the network, they're far quicker to set up in homes with multiple computers and devices.
Blocking and tracking problems
Another problem is that the "category blocking" all this software offers is far from a blanket block on the internet's bad bits.
Companies have a black list of sites but some will inevitably go unblocked and some innocent sites will be blocked accidentally, as studies into the software show.
According to a survey carried out for Ofcom in September 2015, 28% of teenagers said they'd seen something that concerned or upset them online, and further research carried out in May of that year suggested that 16% of children aged seven to 16 had encountered content online that had made them feel "uncomfortable".
Ofcom have been reporting fairly regularly on the use and efficacy of parental controls; in 2013 they found that 90% of parents who had used them felt that they were effective.
By the following year, possibly as a result of the increased visibility of parental control software at the ISP level, 93% of parents said they found network-level controls useful, and about three quarters felt they blocked the right amount of content.
But it's also worth making sure that our connection is protected against malware and malicious viruses which can download or redirect links to unsuitable content.
The four big ISPs listed above all offer some degree of protection against this sort of thing with their software, but to really make sure we're protected, our security guide has more information.
Another big concern is the control of personal information.
Although some of the software above offers alerts when information such as addresses or phone numbers are given out, catching other equally valuable information - a school or sports club name, or arrangements for meeting up with friends - is much harder to do.
Educating children is the best course of action here: what sort of information is considered personal and that, once it's published online, anyone can share it.
"Advise your children not to post any pictures, videos or information on their profiles, or in chat rooms, that they would not want a parent or carer to see," child safety body Think U Know advises.
Can controls help? Cyberbullying and illegal downloading
Protecting children from, or preventing them from participating in, cyberbullying is becoming a concern for many parents.
Some of the software can help flag up possible problems by monitoring key words we know to be problematic or seeing whether certain people have been in touch.
Again, however, monitoring and communication seem like the only real way to prevent it.
However, note that broadband providers can also help with online harassment - we've covered that in more detail here.
Finally, note that parents concerned that their children may be downloading content illegally can block peer-to-peer filesharing sites using the software above.
Additionally, the UK High Court has begun ordering the implementation of ISP level blocks, against sites such as The Pirate Bay and Newsbin2.
Some parents will be concerned with the effect such activities can have on their broadband deals, as much as their legality.
It's one of the things to think about when considering whether a broadband deal should be unlimited or come with a data limit, alongside factors such as:
- The number of people in the house using the internet at once
- How the internet is used - for browsing or downloading
- The times when it'll be in use most - it's busier and slower in the evenings
Find out more about usage allowances on downloads in this article.
Government involvement: what about 'opt out' and 'default on'?
Beginning in late 2011, many sources reported that the "big four" ISPs - BT, TalkTalk, Sky and Virgin Media - would be made to start asking new customers to "opt in" to be able to view adult content when they took out a new broadband contract.
While a little misleading, something of that sort has come to pass.
It's much more accurate to say that the ISPs have agreed - albeit under some pressure from Government - to improve parental controls, make it easier for their customers to set them up, and prompt people - particularly new users - to do so.
MPs had pressed for more, asking for automatically installed and on-by-default controls: in a 2013 speech, Prime Minister David Cameron said: "when someone sets up a new broadband account, the settings to install family friendly filters will be automatically selected; if you just click next or enter, then the filters are automatically on."
However, this hasn't come to pass, with a compromise of sorts brought in instead.
Even Sky, who decided to bring in "on by default" filtering as mentioned above, have opted for a default setting of a 13 rating during the day, then switching to the "18" setting after 9pm.
In the meantime, the issue is still being fiercely debated in the media, and among the ISPs themselves. We cover it in more detail here.
Quick heads-up about a new product just available on Amazon - WiFiShield is a plug & play access point working with OpenDNS that PhilT mentions, except you don't need to mess about with device settings to get protection. http://wifishield.wix.com/home
Thanks for the post!
My elder son is clever enough to disable the built-in Windows control (he has admin rights), so I recommend everyone to chose some good parent-control program, e.g. KidsWatch or Time Boss.
I, myself, love Time Boss Pro. It allows me not to just block, but also to reduce access to some sites.
Additionally it allows me to connect to kids PC remotely.
A pretty great post. Parents always want to keep their kids in safe. I think Micro Keylogger may helps them more. Its so easy to use.
Virgin have bundled their parental controls in with their security software which is free for 12 months but paid for after that. I thought this was all supposed to be free?
Hi Steve -
Virgin Media will be launching their totally free 'web safe' parental controls in the next few months. We'll update this article when that happens so watch this space.
https://www.opendns.com/hom... provide free tools / services that protect the whole of a home network including phones & tablets.
Very true, Phil. Here's an article about how to use it on your home network to restrict the sites that your kids can go to: http://hitechmom.com/protec...
It is essential that ISPs block obscene material such as adult content and if their customers wish to view such sites they must "opt-in". I'm not judging anyone or wanting the ISPs to be sensors but we all know that it is damaging for children to access this type of content.
We should all personally make decisions on what ISP to use based on their approach to this issue and certainly Government and Local Authorities should support (with their business and contracts) those ISPs who comply. I dont need the ISPs to help me be a better parent but I don't expect large corporations to allow obscene material to be viewed by children, every measure that helps should be applied.


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Traveling Luck for Drava River, Croatia (general), Croatia
Where is Drava River?What's around Drava River?
Wikipedia near Drava River
Where to stay near Drava River
Also known as Drau, Drau Fluss, Drava, Drave, Dravus, Dráva
The timezone in Drava River is Europe/Zagreb
Sunrise at 06:52 and Sunset at 16:08. It's Dark
Latitude. 45.5500°, Longitude. 18.9167°
Weather near Drava River; Report from Osijek / Cepin, 14.8km away
Weather : No significant weather
Temperature: 5°C / 41°F
Wind: 9.2km/h Southwest
Cloud: Sky Clear
Weather : No significant weather
Temperature: 5°C / 41°F
Wind: 9.2km/h Southwest
Cloud: Sky Clear
Satellite map around Drava River
Loading map of Drava River and it's surroudings
Geographic features & Photographs around Drava River, in Croatia (general), Croatia
- area;
- a tract of land without homogeneous character or boundaries.
- Marinovci (6.7km)
- Ostrovac (7.3km)
- Trnjaci (8.3km)
- Ćirina Bara (8.7km)
- Boda (8.9km)
- Jazavice (8.9km)
- Perina Bara (9.3km)
- Aćaš (9.6km)
- Novakova Bara (9.8km)
- Ocean (10.2km)
- Vajda (10.5km)
- Galijašica (10.9km)
- Veliki Vrtlog (11.1km)
- Češnja (11.4km)
- Vagnjevi (11.4km)
- Mlake (11.6km)
- Pustarica (11.9km)
- Borojeva Međa (12.1km)
- Prosjani (12.1km)
- Ada (12.3km)
- Popova Bara (12.7km)
- Lovas (13.4km)
- populated place;
- a city, town, village, or other agglomeration of buildings where people live and work.
- Aljmaš (4.1km)
- Bijelo Brdo (5.9km)
- Veliki Salaš (6.6km)
- Dobro Polje (7.3km)
- Sarvaš (7.7km)
- Novo Naselje (8.3km)
- Dalj (9.9km)
- Bogaljevci (10.9km)
- Vera (12.1km)
- Klisa (12.3km)
- Nemetin (13km)
- Staro Selo (13.1km)
- Erdut (13.4km)
- Novo Naselje (13.5km)
- railroad station;
- a facility comprising ticket office, platforms, etc. for loading and unloading train passengers and freight.
- Stanica Bijelo Brdo (7km)
- Železnička Stanica Novi Dalj (7.9km)
- Željeznička Stanica Novi Dalj (9.9km)
- Železnička Stanica Erdut (13.1km)
- stream;
- a body of running water moving to a lower level in a channel on land.
- Drava River (0km)
- Kopački Rit (4.9km)
- Mali Dunav (13km)
- Okruglica (13.1km)
- canalized stream;
- a stream that has been substantially ditched, diked, or straightened.
- Verinovačka Bara (8.1km)
- Daljaska Bara (8.3km)
- Trešnjeva Bara (9.8km)
Accommodation around Drava River
- locality;
- a minor area or place of unspecified or mixed character and indefinite boundaries.
- Široko Polje (5.9km)
- Bajakina Greda (12.1km)
- marsh(es);
- a wetland dominated by grass-like vegetation.
- Poloj (5.1km)
- Kopački Rit (7.6km)
- lake;
- a large inland body of standing water.
- Kopačko Jezero (8.9km)
- Istirizna Jezero (10.8km)
- airfield;
- a place on land where aircraft land and take off; no facilities provided for the commercial handling of passengers and cargo.
- Bijelo Brdo (5km)
- Tenja East (11.8km)
- ridge(s);
- a long narrow elevation with steep sides, and a more or less continuous crest.
- Daljska Planina (5.9km)
- farm;
- a tract of land with associated buildings devoted to agriculture.
- Sederin Salaš (11.3km)
- hill;
- a rounded elevation of limited extent rising above the surrounding land with local relief of less than 300m.
- Čvorkovac (6.3km)
- island;
- a tract of land, smaller than a continent, surrounded by water at high water.
- Tanja (12.6km)
- canal;
- an artificial watercourse.
- Daljski Kanal (11.2km)
- anabranch;
- a diverging branch flowing out of a main stream and rejoining it downstream.
- Dunavac (10.7km)
Wikipedia entries close to
Drava River
- Sarvaš city city o
- Naturpark Kopački rit landmark wildlife san
- Erdut city city o
- Flughafen Osijek airport airport
- Apatin city city i
- Trpinja city city o
- Borovo Naselje city city o
- Privlaka, Slavonia city o
- Osijek city city e
- Borovo city city k
- Sombor Airport airport airport
- Tordinci city city o
- Ernestinovo city city o
- Vukovar city city o
- Bogdanovci city city o
- Nuštar city city o
Airports close to Drava River
Osijek(OSI), Osijek, Croatia (14.8km)
Beograd(BEG), Beograd, Yugoslavia (158.5km)
Giarmata(TSR), Timisoara, Romania (221.1km)
Arad(ARW), Arad, Romania (225.6km)
Airfields or small airports close to Drava River
Cepin, Cepin, Croatia (25.4km)
Ocseny, Ocseny, Hungary (97.8km)
Taszar, Taszar, Hungary (140.6km)
Kaposvar, Kaposvar, Hungary (151.4km)
Banja luka, Banja luka, Bosnia-hercegovina (167.3km)
Photos provided by Panoramio are under the copyright of their owners.


text:
How do you pronounce Cogitai?
Koh ji tie, Kō jə tī, or Koʊˈ dʒɪ taɪ, depending on which pronunciation system you prefer.
Where is Cogitai located?
Our headquarters is located in Orange County in Southern California,
USA. We prefer our employees to be located there. However, as some
of our team is geographically distributed already, for extremely talented
applicants we will consider facilitating working from remote locations.
What is "continual learning"?
Continual learning draws a distinction between the current emphasis within machine learning/reinforcement learning on narrowly-scoped, though possibly quite challenging, tasks and Cogitai's emphasis on building learning systems that can learn simple knowledge and skills from early experience and then use them to learn more complex knowledge and skills from later experience in a continual positive feedback cycle.
Is continual learning a mature technology?
Continual learning builds on many exciting developments in machine learning, deep learning, and reinforcement learning. There is much that can be done already, but there is also still more research and development to be done. Cogitai has the leading researchers working on continual learning on its team.


text:
Rejuvenol Keratin Shampoo 295ml RE1
REJUVENOL Keratin After Treament Shampoo Rejuvenol Keratin After Treatment Shampoo is formulated to work with out Brazilian Keratin Treatment. It is safe for all types of hair and does not contain sodium Directions: Apply a small amount to thoroughly wet hair. Massage gently into hair and scalp working up a generous lather. Rinse well with warm water. Follow with Rejuvenol Keratin After Treatment Conditioner


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