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Terms of Use
Important Notice to Users Of National Bank Of Canada's Website
For the purposes hereof, "We," "Us," and "Our" means National Bank of Canada, its subsidiaries and affiliates. When the complete name "National Bank of Canada" is used in any paragraph of these Terms of Use, only this specific entity is contemplated.
When using our website (the "Website" or the "Site"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Website means that you have accepted any changes that may have been made.
Governing legislation
The Website will be governed by, and construed in accordance with, the laws of Canada and the applicable laws of the Province of Québec, with the exclusion of its principles of conflicts of laws. Any litigation, dispute or claim arising from or related to the use of the Website shall be subject to the jurisdiction of the courts of Québec and you hereby accept to submit to the exclusive jurisdiction of the courts of Québec in this respect.
Responsibility of the user
As a user of the Site, you agree to use it responsibly and with discretion. You agree to follow both the applicable laws in force and our security standards, which are described under ABCs of Security.
Accessing and using the Website
We cannot guarantee that the Site will be accessible at all times, without interruption, or that it will be free from errors. We shall not be held responsible for any damages that may result from the inaccessibility of the Website or from any difficulties that you may experience while accessing or using the Website, including: an interruption of service; a network failure; the malfunction of any computer hardware or software; or any faulty, incomplete, incomprehensible or deleted transmission, whether or not such difficulties have been brought to our attention.
We reserve the right to suspend at any time, without warning, full or partial access to: the Website; www.m.bnc.ca and each of our pages accessible through certain social media sites. We additionally reserve the right to discontinue uploading information to such sites, in which case we shall not be held responsible for any damages that you may incur.
The contents of the Website are provided for informational purposes only, unless otherwise stated. This content does not constitute an offer to purchase or sell our products or services, nor does it constitute solicitation on our part or on the part of our authorized third parties. All of our products and services that may be of interest to Canadian residents are not necessarily offered in each province of Canada. They are generally available in regions where they may be legally offered for sale. Furthermore, eligibility for our products and services is subject to the terms and conditions established for each of them.
The contents of the Website must not be interpreted, considered or used as if they were financial, legal, tax, or other professional advice. We shall not be held responsible for any damages that you may incur as a result of relying on such content.
The information contained on the Website is the property of National Bank of Canada and may not be reproduced, in whole or in part, unless for your personal, non-commercial use. In all other cases, you must obtain the written consent of National Bank of Canada prior to reproducing any contents of the Site.
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You may carry out transactions with us on the Website through our Internet Banking Solutions for several of our financial products and services. These services are governed by specific agreements and rules that describe your access and use. You should familiarize yourself with them at your earliest convenience. If you have accessed our financial products and services through our Internet Banking Solutions, these Terms of Use apply concurrently to the specific agreements and rules that govern those products and services. In the event that these Terms of Use are incompatible with the applicable specific and agreements and rules, the latter shall prevail.
Internet Banking Solutions
When you carry out transactions with us through our Internet Banking Solutions, you alone are responsible for ensuring that all user codes, access card numbers, passwords, and personal identification questions used on the Site are protected. We shall not be held responsible for any damages that you may incur as a result of the unauthorized or illegal use of the user code(s), access card number(s), password(s), or personal identification question(s), or your failure to ensure the secure and confidential nature of the transactions.
When using our Mobile Banking Solutions, it is possible that you may not have access to the entirety of the features, functions, content or information related to our products and services, and that they may not be accessible outside of Canada. Any fees charged by your service provider for the use of our Mobile Banking Solutions are your sole responsibility. We can collect, using cookies and other information-gathering technologies, information on your online activity to evaluate the effectiveness of our online promotions and to collect data on the functioning of the Site in order to: enhance our understanding of your needs and interests; offer you a personalized online experience; and provide you with information on our products and services that may be of interest to you. We may make software available for you to download that allows you to use our Mobile Banking Solutions. We reserve at all times our intellectual property rights in this software. You may not copy such software in whole or in part, or make it accessible to third parties. Please consult the Agreement Governing the Use of Automated Services and Electronic Banking Solutions and the ABCs of Security for more information.
Confidentiality and security
We comply with the applicable law governing the protection of personal information. In addition, we use the latest encryption techniques to guarantee the confidentiality of the information exchanged with you through Internet Banking Solutions and Mobile Banking Solutions. We cannot, however, protect information exchanged when the Website is accessed through a non-secure platform or in a public location, which could endanger the confidentiality of your personal information. We shall not be held responsible for any damages that you may incur under such circumstances. Please consult the ABCs of Security for more information on this topic.
E-mail communications are neither secure nor confidential. They can be lost or intercepted, in much the same way as communications by other means (for example, by post). We shall not be held responsible for any damages that you may incur from any exchange of e-mail or electronic messages, whether originating from you or from us.
You alone are responsible for ensuring the protection and safekeeping of your data and computer platforms and devices.
Accuracy and changes of information on the Website
We consider the data and information contained on the Site to be reliable when posted. Despite our best efforts, however, we cannot guarantee that the information is exact or complete, free from errors or omissions, or that it is up to date at all times. For example, financial information (exchange rates, interest rates and other information subject to fluctuation) is considered reliable when it is posted on the Website, but this does not guarantee that it will be reliable at the time that you consult the Website. We are in no way required to update this data or information.
The data and information available on the Site may be changed, moved or deleted without notice.
Certain names, words, titles, phrases, graphics, logos, icons or designs used on the Website may be trademarks belonging to us or used by authorized third parties. Certain trademarks are registered in Canada and/or other countries. However, use of these trademarks on the Website does not necessarily mean that a licence of any kind has been granted. The ® and TM symbols designate registered trademarks and other trademarks respectively.
Precautions to be taken before downloading and installing software
If you choose to access a software program through one of the links offered on the Site, you are responsible for taking the necessary precautions to detect and destroy possible viruses and for ensuring that the software is compatible with your computer. You should also ensure that you have up-to-date backup copies of the entire contents of your hard drive before installing software downloaded from the Website.
We shall not be held responsible for any damages or losses that could result, directly or indirectly, in whole or in part, from downloading any internet page or software, or from sending any information when using the Site.
The fact that the Website offers links to other websites does not mean that we endorse or approve the content of these sites or the products, services or publications that may appear thereon. The content available through these hyperlinks is not subject to our policies. Therefore, we shall not be held responsible for any damages that you may incur when you are redirected to another website by way of a hyperlink.
Social media sites
National Bank of Canada pages are accessible through the following social media websites: Facebook, Twitter, YouTube and LinkedIn. Before consulting or using the pages of National Bank of Canada on these social media websites, you must read and comply with their respective terms of use, which can be found at www.nbc.ca/socialnetworks.
Limitation of liability
In general and without limiting the specific cases of limitation of liability mentioned above, and notwithstanding any provisions to the contrary, we shall not be held responsible for any damages that may result from or relate to the Site and/or its contents. In particular, and without limiting the generality of the foregoing, we shall not be held responsible for issues of access, use, accuracy of contents, or the loss of data or information, whether or not we have been informed of the possibility of such issues.
© 2010-2011 National Bank of Canada
The information available on the Website is protected under the copyright laws of Canada and other countries, as applicable. This information may also be the property of parties other than National Bank of Canada.
Please direct any request for authorization with respect to copyright to:
National Bank of Canada
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Montreal, Québec


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Got an image you'd like to see in here first thing in the morning? Send it to email@example.com. Subject: Morning crap.
The lesson of every statistics class is the same: all statistics are skewed. (Right, Mr. Alex?) That seems like it would hold true for a text message poll about reinstating Pete Rose during last night's Dodgers-Reds affair, but then, I guess it is possible for 100 percent of voters to believe in the sanctity of second chances — to have pity on Charlie Hustle, to absorb everything Joe Posnanski has ever written about the Reds, to uphold the values of democracy and the republic and organized religion, all with a few thumb clacks on the T9 or QWERTY keyboard.
Or CarMax got screwed out of a fair and decent poll, and no one really thinks Rose should be reinstated.
I'm not sure which to believe, just as I'm utterly baffled by the curious choice of headshots. Is one supposed to make Rose look like a criminal? Did he acquire his white suit from Rick Pitino? And why is Rose smiling like he's just made some money on this poll's results? Heads I win, tails you lose.
Well, hello! Coming atcha today from Durham, N.C., where no one within 100 yards of me is awake.

subset: commoncrawl


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With intuitive pick up and play controls designed specifically for the SIXAXIS Wireless Controller, loads of enemies and tons of powerful weapons to destroy them with, Blast Factor provides a dose of pure shoot-'em-up action.
At the controls of your G-18 Nanite Interceptor, it's up to you to take out a series of microscopic – yet increasingly deadly – viral swarms. To aid you on your mission, you'll discover a whole arsenal of anti-viral weaponry and power-ups, which can be obtained from drop canisters – if you're quick enough to get to them.
With its challenging single player mode, Blast Factor will push your reactions, trigger finger and dexterity to the limit – all in glorious high definition at 1080p. But it doesn't end there; once you've honed your skills, put them to the test in co-operative or grudge match multiplayer modes for up to four players.
This title is exclusive to the PlayStation®Network and available for download to your PlayStation®3 via the PlayStation®Store.
1-4 Players
Network Features
Network Play
See it in action


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- About
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FEDA Rep Finder
Introducing the FEDA Rep Finder:
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Q2 2020: MAFSI Business Barometer Report
MAFSI Business Barometer Reports Sharp Decline in Sales Throughout Industry in Q2/20
Rising Concerns Over Duration of Pandemic Impact and Recovery
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Understanding City and Regional Health Markets in Brazil, Russia, India and China
13 Feb, 2013, 19:25 GMT
NEW YORK, Feb. 13, 2013 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:
Understanding City and Regional Health Markets in Brazil, Russia, India and China
http://www.reportlinker.com/p01054648/Understanding-City-and-Regional-Health-Markets-in-Brazil-Russia-India-and-China .html#utm_source=prnewswire&utm_medium=pr&utm_campaign=Managed_care
BRAZIL - Brazil has made great strides in improving the health of its citizens yet, in common with other emerging markets, distribution of health services is uneven, with wide disparities between regions.
Looking at health expenditureIt is critical for medical and pharmaceutical companies to understand the sometimes confusing funding of healthcare in Brazil. Health expenditure comprises public health expenditure, private health insurance and private out-of-pocket health expenditure. A high proportion of public health expenditure goes towards expensive and complex services, including hospital admissions and diagnostic & therapy services. In recent years, however, public expenditure has shifted towards primary care services.
As public health expenditure has moved towards primary care, the level of access to ambulatory and hospital care has diminished, as public financial resources have not increased at the same level. In 2008, the latest year for which data is available, public health expenditure represented 3.8% of GDP, equal to R$108.9 billion (US$59.3 billion). Alongside the Brazilian health system there is a strong private health insurance sector which, in recent years, has been increasing. Brazil is the second largest insurance market in the world, after the USA.
KEY FACTSThe Brazilian economy experienced real growth of around 2.9% in 2011, to be valued at US$2,485 billion, with average per capita GDP of US$12,889. Brazil is currently the world's 7th largest economy, between France (US$2,773 billion) and the UK (US$2,436 billion). At 194.7 million, the population of Brazil is the fifth largest in the world. Average population growth is around 1.1% per annum. Around 21.6% of the population reside in São Paulo state and 8.4% live in the state of Rio de Janeiro. The 2010 census identified 14.1 million people aged 65 or older, equivalent to 7.4% of the population. In 2011, Brazil spent R$368.2 billion (US$219.8 billion) on healthcare, equivalent to 8.8% of GDP. Private spending accounted for 52.7% of the total, more than half of which was out of pocket spending. Public health spending amounted to US$115.8 billion. Per capita health spending was around US$1,140.RUSSIA - No one would deny that Russia's health system has declined since the fall of the Soviet state and for many years was under-funded and poorly developed. Since 2005, Russian authorities have embarked on ambitious plans to improve matters – progress to date, but will they come up to European standards?
Funding is at the heart of Russia's health improvement plans, and at the beginning of 2011 obligatory medical insurance contributions increased from 3.1% to 5.1%, deductable from salaries. With measures to increase income, has come the challenge of distribution and the recognition that, in common with countries such as India and China, there is a yawning gap between well-provided for cities, and the more remote regions. In 2010, the government introduced the idea of a regional healthcare services modernisation scheme that aims to improve quality and availability of medical service. Healthcare modernisation is well overdue: to put this into context, over 30% of hospitals lack a hot water supply, 8% do not have a drinking water pipeline and 9% lack drainage.
KEY FACTSThe Russian Federation is the largest country in the world, with a land area of over 17 million square kilometres, encompassing eleven time zones. After the breakup of the USSR, the Russian Federation retained over 75% of the USSR's total land area and 51% of its population. The population of Russia was estimated at 142.9 million in 2010, an increase of 0.71% over 2009. Prior to 2010, the growth rate remained negative, decreasing by an average of 0.4% each year since 1999. The country is organised into 8 districts which are further subdivided into 82 regions, autonomous areas and republics.INDIA - India's 1.21 billion population is distributed across 35 states and union territories, and is growing at 1.6% per year. In terms of landmass, India is approximately one third the size of the USA.
India has an established mainly urban middle class but the bulk of the population have little by way of income and resources. This is exacerbated in India where, despite there being over 45 cities with more than 1 million inhabitants, the majority of the population live rurally in over 638,000 villages – many of them remote and difficult to access. The impact on key health indicators, such as infant mortality, can be clearly seen and despite per capita health spending more than doubling in the last 10 years there is some way to go.
Government health spending has not kept pace with private expenditure with health insurance covering no more than 5%. Out of pocket funding of healthcare remains dominant and the growing number of middle classes have been influential in the growth and success of the many private hospital groups.
Compare and Contrast: Haryana and Rajasthan: The Indian market is one of great diversity, and the gap between the 'haves' and 'have nots' is stark. Consider the following comparisons of selected statistics between the two neighbouring north western states of Haryana and Rajasthan which have dramatically different economic drivers.
InformationPopulationGDPGDP per capitaBirth rate per 000Infant mortality per 000 live birthsUrban rateRural rate National1,210,193,000US$1,049 billionUS$101722.1473151 Haryana25,353,000US$42.8 billionUS$172322.3483851 Rajasthan68,621,000US$49.5 billionUS$74826.7555531 CHINA - China: 22 Provinces, four Municipalities and five Autonomous Regions each with an average population of nearly 42 million, each with differing health provision and needs.
China has been a focus of interest for international business for such a long time now that it has become easy to assess markets and economic performance in national terms. Even the much discussed and fast developing urban areas such as Beijing, Shanghai and Tianjin are representative of only a fraction of the widely diverse regional markets to be found elsewhere in the country.
Urban vs. Rural populationUnderstanding the urban/rural divide in China is critical. The number of cities with over one million inhabitants is significant in every province, with migration from rural areas driven by the boom in manufacturing. The economic strength of cities over rural areas has led to an imbalance of health provision; an imbalance the Chinese government is keen to correct through mechanisms such as the New Co-operative Medical System.
A case in point – Anhui Province: The rural challenge
Anhui Province has 61.3 million people - 4.6% of the national population. The capital and largest city is Hefei, with a population of around 3.4 million and other major cities include Huainan (1.9 million), Huangshan (1.5 million) and Ma'anshan (1.4 million). Anhui has below average rates of hospital beds, physicians and nurses, which can be attributed to the province's low GDP per capita rate and large rural population.
Health is delivered via a bewildering array of services including 17,788 village clinics, 1,714 health centres and 710 hospitals, of which 489 were general and 125 were specialist facilities.
To order this report:Managed_care Industry: Understanding City and Regional Health Markets in Brazil, Russia, India and China
Contact Clare: firstname.lastname@example.com
Intl:+1 339 368 6001
SOURCE Reportlinker


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The island of Ugljan is connected to the island of Pasman by the channel of Zdrelac. Pasman as well as Ugljan goes along the shore of mainland, divided from mainland by the picturesque channel of Pasman with many pearl like small islands.
Sea current changes every six hours so this sea is one of the cleanest in Adriatic's.
From the island Most of the 3100 inhabitants of the island are traditionally involved in fishery and agriculture, and until recently in tourism and they live mostly in the villages in the north east side of the island: Ždrelac, Banj, Dobro Poljana, Neviđane, Mrljane, Barotul, Pašman, Kraj, Ugrinić and Tkon.of Ugljan it is divided by the channel of Mali Zdrelac, until recently very shallow, that was built in 1883, and in 1979 it was deepened to 4 m.
The island of Pasman has around 60 km2 and it is inhabited continuously since prehistoric times.


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Similar to WoW, if you go to a tavern or inn, you can gain a state of being rested that doubles your XP for a period of time. Does this or something similar exist in Diablo 3?
Or is there any benefit from exiting the game in an Inn or safe location?


text: Our Musical Jewelry Box is perfect for storing everything from small sewing kits to watches and bracelets to accessories for your electronics. Crafted of solid American Cherry and fitted with a soft black lining, this box will be sure to protects its contents. This box measures five inches by six inches and features a music box in the upper right hand corner.Measures five inches by six inches.


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New 2021 GMC Yukon 2WD 4dr Denali
Hiley Special Price $79,600
See Important Disclosures Here
With great everyday low internet pricing available why wait? We price our car's and truck's at very competitive market pricing to make your shopping easy for you. No need for the back and forth, just great pricing and great customer service every time.
4D Sport Utility RWD EcoTec3 6.2L V8
2021 GMC Yukon Denali
New Car Pricing does not include dealer ads. In stock units only In stock units only


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Artist-designed Jewelry | Proudly Made in the US
Known as the protector of the animal kingdom, the Bear is the most powerful crest figure in Northwest Coast Native culture. Its strength and learned humility are gained through motherhood. Though independent and strong-willed, the Bear remains loyal to its family roots.
Ships within 10-15 business days. If you would like expedited shipping, please contact Customer Service.


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East Thetford, VT
Cedar Circle Farm & Education Center is a family-friendly organic farm that is open to the public May-December. Our farm is a place to learn, to taste and experience new things, and to meet and get to know your community. It's a place to strengthen your connection to the food…(more)


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Listing your place with My Home In is totally free and takes only few minutes. We value our work through a very reasonnable service fee paid by the tenant upon booking. Only the fees related to the management of the transaction are deducted from the amount you receive.
Our online booking process is simple and fully secured. No need to exchange contract with your tenants. Your cancellation policy can also be applied and you do not have to worry about money collection, we do it for you!
Once the reservation is completed, you are sure to receive the rental price agreed in accordance with the cancellation policy you have chosen. Our automated payment process assure you to be paid upon arrival of your tenant. You just have to welcome them!
Each website My Home In is dedicated to a specific tourist area. Tenants visiting our sites have already chosen their holiday. You do not waste time with undecided tenants.
The number of ads on our website is deliberately limited. Your property is not lost among thousands of others. We work daily to improve your visibility on Internet search engines and social networks.
Our local team is able to advise you and intervene when necessary during the entire booking process. Do not hesitate to contact our team: email@example.com


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Harris City Academy Crystal Palace
Academy Description:
Harris City Academy Crystal Palace opened as Harris CTC in 1990 and converted to an Academy in September 2007. The Academy is a mixed school for 1,300 students aged 11-18 recruiting students from Croydon, Bromley, Lewisham, Southwark and Lambeth. The Academy has twice been judged to be outstanding by Ofsted, with the most recent inspection judging the school to be outstanding in every aspect. Student progress is in the top 3% nationally.
We are an ambitious school, delivering a high quality education for each one of our students. At Harris City Academy Crystal Palace we aim to prepare young people for an ever-changing world that values self-confident, well-educated and enterprising people.
Academy Ethos:
Harris City Academy Crystal Palace has a long established, distinctive and positive ethos which guides our work and the education of our students. Preparation for adult life underpins our Academy aims and the well developed culture which is established across all aspects and functions of the Academy. We are committed to the success of each of our students and this is reflected through the Academy's values and aims to deliver:
- Exam success - we want our students to get the best possible qualifications
- Challenge, relevance and engagement - we want our students to be fully involved in their learning
- Appropriate skills for living, for work and for happiness
- Active citizens
- Self-identity and a feeling of self-worth
- Opportunities and experiences that ignite our students
- Healthy habits that are embedded for life
Head of AcademyMichael WilliamsHarris City Academy Crystal Palace
Executive PrincipalKatherine CumberbatchHarris City Academy Crystal Palace
Academy Contact
Maberley Road
London SE19 2JH


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Hugh Jackman takes home Golden Globe for Best Actor
'ARGO' and 'Les Miserables' triumphed at the Golden Globe Awards Sunday night (13.01.13).
Ben Affleck's Iranian hostage drama 'Argo' took home two trophies at the ceremony in Los Angeles, with him claiming Best Director and Best Motion Picture Drama, the biggest award of the night.
Ben dedicated the win to his wife, Jennifer Garner, saying: "I want to thank my wife who is the reason why I'm standing here.
"I adore you. I love you so much. Thanks for sitting through this. You are my everything. Thank you."
>>Read the full list of winners here
Musical 'Les Miserables' won in the trophies tally, taking home Best Actor and Best Supporting Actress for Hugh Jackman and Anne Hathaway respectively, as well as Best Motion Picture, Musical or Comedy.
Former US president Bill Clinton made a surprise appearance at the event, introducing Steven Spielberg's 'Lincoln' - the biopic of US president Abraham Lincoln - which was up for seven awards.
The film only triumphed in one category, with Daniel Day Lewis named Best Actor.
Accepting his award, he said: "If I had this on a timeshare basis with my wonderful gifted colleagues, I might just hope to keep it for one day of the year, and I'd be happy with that."
In the Best Actress category, Jessica Chastain triumphed for her role as a CIA agent tracking Osama bin Laden in 'Zero Dark Thirty'.
Picking up her trophy, Jessica said: "I've auditioned and fought and been on the sidelines for years. To be here now, it's a beautiful moment."
Other winners on the night included Christoph Waltz, who was named Best Supporting Actor for his role in 'Django Unchained' and Jennifer Lawrence, who took home Best Actress, Musical or Comedy for her role in 'Silver Linings Playbook'.
List of Golden Globe Winners:
- Best Picture, Drama: 'Argo.'
- Best Picture, Musical or Comedy: 'Les Miserables.'
- Best Actor, Drama: Daniel Day-Lewis, 'Lincoln.'
- Best Actress, Drama: Jessica Chastain, 'Zero Dark Thirty.'
- Best Director: Ben Affleck, 'Argo.'
- Best Actor, Musical or Comedy: Hugh Jackman, 'Les Miserables.'
- Best Actress, Musical or Comedy: Jennifer Lawrence, 'Silver Linings Playbook.'
- Best Supporting Actor: Christoph Waltz, 'Django Unchained.'
- Best Supporting Actress: Anne Hathaway, 'Les Miserables.'
- Best Foreign Language: 'Amour.'
- Best Animated Film: 'Brave.'
- Best Screenplay: Quentin Tarantino, 'Django Unchained.'
- Best Original Score: Mychael Danna, 'Life of Pi.'
- Best Original Song: 'Skyfall' (music and lyrics by Adele and Paul Epworth), 'Skyfall.'
- Best Series, Drama: 'Homeland.'
- Best Series, Musical or Comedy: 'Girls.'
- Best Actress, Drama: Claire Danes, 'Homeland.'
- Best Actor, Drama: Damian Lewis, 'Homeland.'
- Best Actress, Musical or Comedy: Lena Dunham, 'Girls.'
- Best Actor, Musical or Comedy: Don Cheadle, 'House of Lies.'
- Best Miniseries or Movie: 'Game Change.'
- Best Actress, Miniseries or Movie: Julianne Moore, 'Game Change.'
- Best Actor, Miniseries or Movie: Kevin Costner, 'Hatfields & McCoys.'
- Best Supporting Actress, Series, Miniseries or Movie: Maggie Smith, 'Downton Abbey.'
- Best Supporting Actor, Series, Miniseries or Movie: Ed Harris, 'Game Change.'


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This is an archive page. The links in this content are no longer being updated.
WASHINGTON, July 23, 2012—The U.S. Department of Agriculture's Animal and Plant Health Inspection Service (APHIS) is hosting a series of seven courses this summer designed to teach foreign agricultural officials about animal and plant health safeguarding practices in the United States and enhance their ability to develop science-based regulatory systems that effectively prevent the introduction and establishment of harmful pests and diseases. Through APHIS' courses, foreign regulatory officials are able to come to the United States to learn skills and processes—including disease control strategies, risk analysis and assessment, and laboratory network support—that will enable these countries to have stronger agricultural infrastructures and, potentially, a brighter future in international trade. These programs are consistent with the goals of the Global Food Security Initiative, which aims to build countries' capacity to fight hunger and malnutrition. The classes will also help to guard against the introduction of pests and disease in the United States, thereby safeguarding the United States' agricultural economy.
"APHIS has long recognized the importance of partnering with other countries to combat agricultural health issues overseas in order to better protect our nation's agricultural industries," said Marketing and Regulatory Program Deputy Under Secretary Rebecca Blue. "These courses will further strengthen APHIS' partnerships, as well as foreign agricultural officials' ability to address pest and disease situations in their home countries that threaten agriculture around the globe and limit their ability to engage in trade with the United States and other countries."
By helping developing countries establish regulatory frameworks based on sound science and formal protocols, APHIS is also helping to facilitate export opportunities for U.S. producers who want to expand their markets to developing nations but lack a clear understanding of those countries' import procedures. The courses offered by APHIS cover an array of topics, including:
APHIS' overseas offices promote participation in the courses, which have been held for the past three summers and trained 343 foreign agricultural officials. Foreign officials apply to the classes most relevant to their job functions. This year, countries sending participants to APHIS' courses include Bangladesh, Chile, Egypt, Haiti, India, Iraq, Israel, Kenya, Korea, Mexico, Pakistan, Uganda, Ukraine. The courses typically last five to ten days and are held at APHIS' two regional offices located in Raleigh, North Carolina and Fort Collins, Colorado, as well as the Agency's National Veterinary Services Laboratories in Ames, Iowa, and at the Plum Island Animal Disease Center off the coast of New York.
"We are thankful to the governments of the participating countries, as well as the State Department, the U.S. Agency for International Development, and the Department of Defense's Defense Threat Reduction Agency for contributing funding for these courses," said Deputy Under Secretary Blue. "As a result of their sponsorship, we can continue forging new partnerships, better address agricultural pests and disease around the world, and strengthen international trade, including exports of U.S. agricultural products abroad."
For more information about APHIS' international courses and capacity building efforts, please visit /international_safeguarding/index.shtml.
With Agriculture Secretary Vilsack's leadership, APHIS works tirelessly to create and sustain opportunities for America's farmers, ranchers and producers. Each day, APHIS promotes U.S. agricultural health, regulates genetically engineered organisms, administers the Animal Welfare Act, and carries out wildlife damage management activities, all to safeguard the nation's $157 billion agriculture, fishing and forestry industries. In the event that a pest or disease of concern is detected, APHIS implements emergency protocols and partners with affected states and other countries to quickly manage or eradicate the outbreak. To promote the health of U.S. agriculture in the international trade arena, APHIS develops and advances science-based standards with trading partners to ensure America's agricultural exports, valued at more than $137 billion annually, are protected from unjustified restrictions.
USDA is an equal opportunity provider, employer and lender. To file a complaint of discrimination, write: USDA, Director, Office of Civil Rights, 1400 Independence Ave., SW., Washington, DC 20250-9410 or call (800) 795-3272 (voice) or (202) 720-6382 (TDD).
USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users).


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The San Francisco 49ers lost their pre-season debut game at Levi's Stadium this weekend 34-0 to the Denver Broncos. But their employees and former players are being given the chance to score some financial gains thanks to the team's new partnership with robo-advisor firm Wealthfront.
"As of today, they are the first professional sports team to help secure the financial health of their front-office employees and alumni with free, automated investment services," explained Wealthfront CEO Adam Nash in a blog post last week.
"With more than $1.3 billion under management from clients in almost every imaginable profession living in all fifty states, we're excited to be working with the San Francisco 49ers to extend the benefits of automated investing to an even broader millennial audience," Nash noted.
As part of the deal, the 49ers will cover advisory fees on the first $100,000 each individual invests with the automated investment service, Nash says. For its part, Wealthfront will provide financial education for both current employees and team alumni.
"The NFL is an unbelievable experience for any young athlete," said Ronnie Lott, who played for the 49ers from 1981-1990, in a statement. Lott, who is a Wealthfront investor, said players "make a lifetime's worth of money in a short time period, but they need help planning for the long term. I think Wealthfront can be a huge part of the solution."
Complex Game
According to advisor Gerard Klingman, who runs Klingman & Associates, an RIA affiliated with Raymond James in New York, the key word in this arrangement is "part."
"Young, professional athletes need all types of financial planning advice from budgeting from buying and owning real estate to estate planning, prenuptial agreements and tax planning," Klingman said in an interview with ThinkAdvisor.
"Investing is only one part of financial planning for professional athletes," explained the advisor, who has worked with some 40 current and former football and hockey players over the past 25 years. "It's just one small part. Professional athletes need significantly more financial-planning services."
(The NFL itself announced an advice-by-phone deal with Financial Finesse last year. See Help for NFL Players Suddenly Rich or Suddenly Retired)
Still, he adds, there's some positive takeaway from the 49ers-Wealthfront news. "The athletes are not being exposed to [those] motivated to put them in high-commission or fraudulent investments," Klingman said. "They will have transparent fee-based investments…and could do worse than work with a robo-advisor. At least, the investments are liquid."
Deep Pockets
Many professional athletes—some argue the majority—have a poor record of success at managing their money. Notable football players who went broke include Terrell Owens and Michael Vick.
(See NFL Players' 6 Biggest Estate Planning Mistakes.)
Two months ago, for instance, FINRA expelled Washington, D.C.-based Success Trade Securities for defrauding 59 investors, mainly NFL and NBA players; it was ordered to pay some $13.7 million in restitution. (See FINRA Expels Firm for Bilking NFL, NBA Players, and Advisor to NFL, NBA Players Barred)
Many of the affected players—including Vernon Davis of the 49ers—were clients of now-barred financial advisor Jinesh "Hodge" Brahmbhatt and his now-defunct investment advisory firm, Jade Private Wealth Management, which FINRA said referred clients to Success Trade in exchange for kickbacks.
Nash insists its millennial-focused formula can help, rather than hurt, athletes.
"Last year, when Wealthfront spread to all 50 states, we saw an interesting pattern develop: professional athletes signing up for the service," he explained in his recent blog. "As a result, we started looking into the specific financial challenges that face athletes and former athletes and how they navigate issues associated with windfalls."
In addition to Lott, the financial group has the backing other savvy ex-49ers, such as Harris Barton, who is one of Wealthfront's roughly 50 individual investors. Barton played for the team from 1987-1998.
(Along with Lott and Joe Montana, Barton started Champion Ventures in 1999, a fund of funds that was later renamed HRJ and then acquired by Capital Dynamics; Barton now runs H. Barton Asset Management in Silicon Valley.)
Another Wealthfront investor is Cipora Herman, the 49ers' CFO and a former Facebook executive.


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FACETIME- War-torn artist: Fissures fueled Slaughter's fires
Anne Slaughter saw the film Mrs. Henderson Presents, and she walked out shaking. Set in WWII-era Britain, the story stirred memories of the Belgian-born artist's childhood, when her doctor-turned-paratrooper father endured the London Blitz, and her mother spent six months shepherding seven-year-old Slaughter and her younger brother to England to join him.
"Within two weeks, we were both in boarding school, not knowing a word of English," she recalls.
Slaughter, now 71, remembers seeing bombed houses with walls torn away when her family returned to Belgium three years later. Her thoughts about time passing, the effects of violence, and what endures– especially within nature– eventually fueled much of the work included in the exhibition "Terra Incognita: Anne Slaughter, Forty Years," a retrospective now on view at Les Yeux de Monde and Second Street Gallery.
Although Slaughter grew up drawing, she first became serious about art as a restless young mother. She had met her husband, Edward, while he was in Belgium on a Rotary scholarship, and he brought her to Charlottesville in 1957. Slaughter worked for three years as a sociologist at the UVA hospital but left for fulltime motherhood. After the birth of her second child in 1963, she decided to begin auditing university art courses.
Twelve years later, Slaughter became one of the founding members of the McGuffey Art Center. Up to that point, she had been painting in her basement. Her McGuffey studio marked a turning point. "It really made me a professional," she says, explaining that she learned how to exhibit and how to make slides from other McGuffey artists.
"It's not consciously that we would tell each other what we did, but there was a lot of energy," she says. "It really was a home away from home."
Initially a landscape painter, Slaughter began experimenting with a range of media and exploring new directions, often inspired by her travels and always with an eye toward nature and time. "I would say I'm an organic person," she says. "I've always loved natural things, lichens, the small patterns of nature, textures.
"What happened with me is I started with landscape," she says, "and I found my own vocabulary of semi-abstractness"
Second Street Gallery's Leah Stoddard calls Slaughter "daring" in the intuitive way she approaches her materials. "She has a rare ability to step back from a piece and do something radical with it to make it work," Stoddard says, noting that Slaughter has been known to gash paintings and insert metal and stone in the fissures.
With the retrospective behind her, Slaughter plans to write a book about her childhood. She's also contemplating a new series of paintings exploring memory and landscape.
"The land is knocking on the door," she says.
Anne Slaughter


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Updated PCI certification has been withdrawn from two older PIN entry devices from Ingenico following concerns they were vulnerable to manipulation by cybercrooks.
In a leaked memo, Visa says PCI certification has been withdrawn from two previously approved products from Ingenico - the i3070MP01 and the i3070EP01 - as a "precaution", retail industry site storefrontbacktalk.com reports. The devices were mainly used in the US.
The memo also raised warnings against a larger number of "untested" devices, including four VeriFone units (PINpad 101, 201 and 2000 and the Everest model P003-3xx), two Hypercom units (S7S and S8) and another Ingenico PIN pad (eN-Crypt 2400). A caution was also filed against a further pre-PCI approved unit from Ingenico, the eN-Crypt 2100.
The warning, which included anti-skimming advice, stems from concerns that older PIN entry devices can be physically tampered with without triggering detection. Among the scenarios sketched out by Visa is the possibility for crooks posing as service personnel to swap out legitimate devices for doctored kit that harvest credit card information for use in later frauds or for selling on through underground carder forums.
In a statement, Visa Europe confirmed the market withdrawal of the two Ingenico devices, following their removal from an approved list of kit maintained by the payment card industry's PCI Council.
Earlier this year, the Payments Card Industry Security Standards Council (PCI SSC), in co-ordination with the manufacturer Ingenico, revoked the approval of the i3070MP01 and i3070EP01 devices. The revocation removed these devices from the PCI SSC maintained approval list and cancelled any existing approval issued by the PCI SSC for these devices. Based on this revocation, Visa Europe then withdrew its approval for these devices.
Visa takes seriously all reported threats to the integrity of the card payment system and fighting fraud remains a key priority.
Visa is encouraging retailers to switch over to PIN entry devices that are PCI-compliant. Retailers will be expected to shoulder the cost of this move, which comes at a time when merchants in countries such as Canada are undertaking the migration to terminals based on Chip and PIN. These have been commonplace in Europe for some years.
The Payment Card Industry Data Security Standard (PCI DSS) compliance programme covers regulations for security across the credit card industry. Merchants who fail to demonstrate compliance with the 12 point PCI guidelines risk having their ability to process plastic payments withdrawn, at worst, or fines and audits. Merchants are advised to only use PIN entry devices approved by the PCI SSC security standard. ®
An earlier version of this story incorrectly reported that the Ingenico devices had been pulled from the market at the instigation of Visa, rather that the PCI Council, the real driver behind the move. The Payment Card Industry Security Cards Council (PCI SSC). The PCI SSC manages the implementation of PCI DSS, amongst other standards. Its membership includes everyone from retailers and banks to payments processors and vendors. "Whilst Visa Europe strongly supports the development and implementation of PCI DSS, it is an independent standard," a Visa spokeswoman explained. "Visa is not involved in the process of awarding or withdrawing PCI certification."


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How To Adopt A Recruiter's Mindset When Writing Your Resume
August 7, 2014
By Jessica Holbrook Hernandez, Expert Resume Writer
People often ask me why anyone would seek professional help with writing his or her resume. The great part about resume writing is that I often work with educated professionals who have years of great experience. Unfortunately, they just don't know how to get their resumes in front of people with the power to give them a job. Generally, they're too busy being a great research scientist, nurse, project manager, executive, or whatever else to understand one important thing—how recruiters think.
1. They have very little time.
While recruiters and hiring managers have many different philosophies and approaches, one thing is certain—they all review scores of resumes. Rejection letters often inform candidates that more than 100 people had applied for the same position. Faced with competition of that magnitude, it's easy to see why your resume has to be outstanding in order for you to get any attention from an employer. Most people reviewing your resume simply don't have more than a minute or two to look it over.
2. Know your audience.
Given the volume of resumes employers receive for each position, lower-level hiring staff are frequently used to "shortlist" candidates for each opening. This means that a less experienced HR professional is reviewing dozens of resumes in order to weed out six to ten strong candidates. With this in mind, it's important to write your resume in simple terms that someone who doesn't have your background can grasp. As you develop the highlights from each of your previous positions, ask yourself if a stranger at a cocktail party would understand what you've just written.
3. Experience doesn't always matter.
Let's imagine for a moment that you're looking for a pet sitter while your family is away for a week's vacation. In looking for a pet sitter, you would generally want to know about the person's experience with pets, whether his or her availability met your needs, and whether your pet liked them during an in-person introduction. The pet sitter candidate would be wasting your time if they told you all about her experience roofing houses or preparing people's income taxes. It's fabulous that she has those abilities, but all you need to know is whether she can walk and feed your dog.
The same principle is true for resumes. Because the average worker holds more than ten jobs during his or her career, chances are good that some of your accomplishments may not be relevant to the job you're currently trying to get. Use your resume space for the experiences that matter, and don't overwhelm reviewers with information that they don't need.
Jessica Hernandez, is a resume authority for the Job Talk America radio program and multi-published expert author for resume, career, and job search publications. She boasts more than ten years in human resources management and hiring for Fortune 500 companies and utilizes her extensive experience to support job seekers in their quest to move onward and upward in their careers. Find out more at Great Resumes Fast.


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Ogden Dunes Real Estate
Ogden Dunes is located in Indiana. Ogden Dunes, Indiana has a population of 1,115. Ogden Dunes is less family-centric than the surrounding county with 24.69% of the households containing married families with children. The county average for households married with children is 34.19%.
The median household income in Ogden Dunes, Indiana is $100,000. The median household income for the surrounding county is $62,818 compared to the national median of $53,482. The median age of people living in Ogden Dunes is 55.1 years.
Ogden Dunes Map
View Homes for Sale in Ogden Dunes
Ogden Dunes Weather
The average high temperature in July is 82.6 degrees, with an average low temperature in January of 16.8 degrees. The average rainfall is approximately 39.5 inches per year, with 35.7 inches of snow per year.
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Each quarter, the EDA Consortium publishes the Market Statistics Service (MSS) report containing detailed revenue data for the EDA industry. The report compiles data submitted confidentially by both public and private EDA and IP companies into tables and charts listing the data by both EDA category and geographic region. This newsletter highlights the results for the first quarter of 2015. Additional details are available in the
press release, or by joining EDAC and receiving the full
EDA Consortium MSS report.
Overall, first quarter 2015 EDA revenues increased 7.5% compared to the same period in 2014. Total revenue for Q1 was a $1877 million. Figures 1 and 2, below, summarize the revenue growth for Q1 2015 compared to Q1 2014, detailed by category (figure 1) and geographic region (figure 2). The MSS report contains many additional sub-categories, allowing subscribers to perform a more detailed analysis of revenues affecting their business. A complete list of categories for 2015 is available
Tables 1 and 2, below, show the percentage growth for the EDA industry by major category and region. (Negative growth is listed in parentheses).
Figure 3 (below) shows the EDA revenue percentages by major category. As the chart shows, CAE remains the largest category, followed by Semiconductor IP and IC Design and Verification tools. Geographically, the Americas is the largest consumer of EDA tools, with the remainder divided amongst Europe, Middle East, and Africa (EMEA), Japan, and Asia Pacific (APAC), as shown in Figure 4. The quarterly MSS report includes additional details for the Asia Pacific region.
Figure 5 shows the historical EDA revenue for the major categories (CAE, PCB & MCM, IC Physical Design and Verification, SIP and Services) from Q1 1996 through Q1 2015. Each quarter's MSS report contains detailed data for the current year as well as the previous 3 years quarterly data in both tabular and graphical formats.
Data is reported confidentially to an independent accounting firm, which allows both public and private companies to report revenue data by detailed category. Individual company data is not reported, and steps are taken to further protect individual data for categories with a small number of reporting companies. Contributing data is free, and contributors will receive the quarterly MSS executive summary report. The full report is available to EDAC member companies, and contains substantially more detailed information for EDA revenues by category and region, providing the information subscribers need to analyze trends in EDA.
For more information on the MSS report, including information on subscribing to the report and the benefits of joining the EDA Consortium, please visit the
EDAC web site, or
contact us.


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Horizon Bancorp, Inc. is an independent, commercial bank holding company serving Indiana and Michigan through its commercial banking subsidiary, Horizon Bank. Horizon Bancorp, Inc. may be reached online at www.horizonbank.com. Its common stock is traded on the NASDAQ Global Select Market under the symbol HBNC.
Michigan City, Indiana – Horizon Bank is pleased to announce David Eifler as Market President of Berrien County Michigan. He will reside in our in our Ship Street office in St. Joseph, Michigan and is replacing Market President, Don Radde who is retiring on December 31, 2017.
Eifler has over 30 years of commercial banking experience in Southwest Michigan. He brings extensive and broad-based experience to Horizon and has served the region's customer base of manufacturing, metal working, automobile suppliers, retail, agriculture and real estate companies. As a corporate steward, he will help promote economic growth within the communities of Southwest Michigan.
He received a Bachelors degree from Albion College in Albion Michigan well as a Masters of Business Administration from Central Michigan University in Mt. Pleasant Michigan. This year he also has been awarded the SMEGA's Robert Harrison Lifetime Achievement Award for Economic Development and the State of Michigan Governor's Special Tribute for economic development and teamwork.
"I am confident that David will do an excellent job leading our Berrien County team and maintaining the excellence in customer service standards Don Radde supports," stated Craig Dwight, Chairman and Chief Executive Officer.
Eifler is an active member of the community and currently serves as a board member of Lakeland Health Foundation and the Cornerstone Alliance and is the President of Southwestern Michigan Economic Growth Alliance (SMEGA) and is on Economic Development committee for the Great Southwest Michigan Leadership Council.
Horizon Bancorp is a locally owned, independent, commercial bank holding company serving northern and central Indiana and southwest and central Michigan and Ohio. Horizon also offers mortgage-banking services throughout the Midwest. Horizon Bancorp may be reached online at www.horizonbank.com. Its common stock is traded on the NASDAQ Global Select Market under the symbol HBNC.
Contact: Amy Phares
Public Relations Coordinator
Phone: (219) 874-9208
Fax: (219) 873-2628


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Application and Admission
Recognizing that for today's student flexibility is the key, Hartford Seminary offers an alternative in graduate learning: the Graduate Certificate. This program provides students opportunities for study without committing to a full degree program. The Graduate Certificate program allows students to expand their knowledge in specialized, focused fields, ranging from biblical studies to spirituality to Islamic studies and chaplaincy.
Students at Hartford Seminary may pursue a Masters-level graduate certificate, which will be awarded upon successful completion of 18 or 24 credits of coursework.
A Bachelor's degree (or its educational equivalent) at a satisfactory level of achievement from an accredited institution is a prerequisite for admission. Additionally, students applying for the Graduate Certificate program in Islamic Chaplaincy are expected to have extensive training in their own religious tradition, which may have been acquired in various ways (ideally, a Master's degree or its educational equivalent.)
Coursework that was taken for credit as a Special Student at Hartford Seminary prior to admission may be applied toward the credits required for the Graduate Certificate; however, at least 6 credits (not including field education or clinical pastoral education) must be taken after official notification of admission to the Graduate Certificate program.
No transfer credit from other institutions or Advanced Standing credit will be allowed to count toward most of the Graduate Certificates except on rare occasions upon petition to the Academic Policy Committee. Please see details on the Graduate Certificate programs in Islamic Chaplaincy, Chaplaincy in Multifaith Contexts, or Imam and Muslim Community Leadership for permitted exceptions to this policy.
Admission to a Graduate Certificate program of study does not constitute or guarantee admission to the Master of Arts degree program. Admission is granted only on the basis of the terms stated in this Catalogue and in the admission letter.
Students wishing to be admitted prior to the start of a given semester must make sure their files are complete by the following deadlines:
- July 15 for the Fall Semester
- December 1 for the Winter/Spring Semester
An applicant's file is complete when the following items have been received by the Admissions Office:
1.)The application form and application fee of $50.
2.) A statement of three to four paragraphs (not to exceed one page double spaced) indicating the applicant's educational objectives in pursuing the chosen graduate certificate area of study.
- Students applying for the Graduate Certificate program in Islamic Chaplaincy must provide a more detailed statement of three to four pages identifying the applicant's personal goals for the program and his/her perceived strengths, and his/her potential areas for development.
3.) Complete official transcripts from all previous undergraduate and graduate institutions.
4.) One letter of recommendation from a professor or instructor who can speak to the applicant's academic abilities and potential (preferred) or a professional colleague who can speak to the applicant's ability or potential to manage graduate-level study.
- Students applying for the 24 credit Graduate Certificate programs in Islamic Chaplaincy must provide two letters of recommendation, one from a professor as indicated above and one from a leader in their faith community who can speak to the applicant's abilities and potential for working in the chosen field.
5.) Interview: An interview is required for the 24 credit graduate certificate only. Applicants will be contacted by the Admissions Office to schedule an on-campus or phone interview.
One can apply through either a paper-based or an online format, both available on our website www.hartsem.edu/admissions/apply-online/. Detailed instructions for completing the application are also provided at this link. You may also request a paper application by calling our Admissions Office at 860-509-9512.


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Born: 1935, Ostrowiec, Poland
Describes the Auschwitz crematoria [Interview: 1992]
Ruth was four years old when the Germans invaded Poland and occupied Ostrowiec. Her family was forced into a ghetto. Germans took over her father's photography business, although he was allowed to continue working outside the ghetto. Before the ghetto was liquidated, Ruth's parents sent her sister into hiding, and managed to get work at a labor camp outside the ghetto. Ruth also went into hiding, either in nearby woods or within the camp itself. When the camp was liquidated, Ruth's parents were split up. Ruth was sent to several concentration camps before eventually being deported to Auschwitz. After the war, Ruth lived in an orphanage in Krakow until she was reunited with her mother.
Copyright © United States Holocaust Memorial Museum, Washington, DC


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Please be smart when choosing a delivery method. If you know a carrier does not deliver in your area, do not choose them. In cases of rural address delivery please include BOTH your physical address and PO Box on your shipping address.
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International Orders - IDParts ships worldwide via USPS, FedEx and UPS Ground. IDParts cannot guarantee shipments sent via USPS and cannot reship orders that appear lost/missing through the Post Office. Depending on country, the customer is responsible for all duties, taxes and customs charges upon delivery.
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Customers that have saved their vehicle(s) to their garage may qualify for free Standard Shipping on orders over $200. Customers who use the garage feature have much lower rates of ordering mistakes, so take advantage of this program and ensure your parts are right by saving your diesel to your IDParts Garage. You must have an IDParts.com account to qualify - customers that use guest checkout, Express Checkout or do not have a vehicle saved do not qualify for this offer.
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IDEAL Shipping methods cannot be sent to PO Boxes in the US or Canada. If you submit a PO Box as your address, your order may be delayed or lost. IDParts is not responsible for any delays caused by orders submitted with PO Box delivery. In addition, if one or more of the major carriers do not deliver to your address then IDEAL shipping cannot be used. For instance, if the Post Office does not deliver to you, you must choose UPS or Fedex.
IDParts has worked with our customers in Canada for over 10 years and we have multiple options for delivery. All prices are in USD. For small orders under $50 we recommend using the Post Office whenever possible. Priority Mail will take approximately 7-10 days to get to you and will be delivered by Canada Post typically without any additional fees to pay. For larger orders we recommend using our IDEAL Canada program.
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Be confident that you're feeding your family well with wholesome Buckeye Beans and Herbs Bean soup mix. Soup makes a healthy meal for lunch or dinner. Bean soup in particular is an excellent source of protein, and contains certain B vitamins, carbohydrates, many minerals and fiber.
Enjoy an emotional satisfaction from preparing and serving a nourishing "from scratch" meal of soup. Add your own flair to our bean soup mix by adding other vegetables and meats as you please. Buckeye Bean and Herb Bean Soup is a great source of protein for vegans and vegetarians too.
Buckeye bean soup mix contains beans, whole grains and herbs - packaged in an attractive gift box. Dry soup mix from Buckeye Beans and Herbs is packaged with a see-through window. The rich earthen colors of whole beans and lentils show, creating a ready-to-give gift for your favorite gourmet or for yourself.
Keep a box of dry bean soup mix on your kitchen counter top until you're ready to cook soup. A feast for your eye as well as your palate! Bean soup makes a great house warming gift too. Mix up a pot of soup and invite friends, family and neighbors over for a hearty bowl of Buckeye Bean and Herbs Bean Soup.
About the name "Buckeye" Beans
Located on the quiet waters of the Little Spokane River, just a stone's throw away from Spokane, Washington, the mill town of Buckeye was once a bustling community of three hundred residents. Lumber was cut from the surrounding pine and tamarack forests and milled at the Buckeye Lumber Company. Boxes made from first grade lumber were shipped from the Buckeye Box Factory to various parts of the United States via the Spokane Falls and Northern Railroads. Many local commercial apple growers shipped their fruit in Buckeye boxes. By 1912, the mill was closed and most of the townsfolk had moved on. The Buckeye Beans company was founded just downstream from this sleepy little town and was inspired to create genuine products that reflect the "simpler" way of life." Hearty soups on the back burner and beans baking in the oven provide a flavor of days gone by.
The more you buy, the more you save with our "Mix and Match" quantity discounts. Discounts are automatically calculated for you in our shopping cart based upon the table below:
Choose from several different items or combine case purchases for additional savings. Discounts only available for online purchases on a per order basis and exclude shipping costs.
Cornbread - Buckeye Beans and Herbs - 20oz
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Beefed Up Barley Soup - Buckeye Beans and Herbs - 12oz
Great Leap N Lentil Soup - Buckeye Beans and Herbs - 12oz


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Avery Dennison Teams with Online Address Book Pioneer Plaxo
November 18, 2011
Plaxo, Inc., creators of an easy-to-use online address book, today announced it has teamed with the Office and Consumer Products Group of Avery Dennison (NYSE: AVY), a global leader in office products, to offer the convenience of creating contact mailing labels quickly and easily. Plaxo has leveraged the Avery Design & Print Online program to offer Plaxo address book users the added value of printing out labels from their Plaxo personal and business contacts. Whether it is for personal use such as holiday cards, or business use such as shipping labels, the two companies have streamlined the mailing label process.
Sending out personal or business mailings can sometimes be a difficult process, requiring knowledge of complicated mail merge techniques, or hours spent typing or handwriting the labels. In addition, contacts stored in Web-based email programs may not allow for easy label generation. Now, business or home users can simply choose their contacts within the Plaxo address book and select one of the popular Avery label formats, and their addresses are automatically transferred into the proper format for mailing. The process makes sending out professional-looking labels a breeze and is great for holiday and birthday cards; wedding or party invitations; baby or wedding showers, college graduation invites; church events; thank you cards; custom labels; shipping labels; monthly newsletters; brochures; realtor open houses; name tags with a company logo. Mailings can be done in just a few simple steps.
"Teaming with Plaxo is a natural for Avery and our consumers. Connecting the Plaxo easy-to-use address book with automated mail merge in Avery Design & Print Online makes mailings easier than ever," said Brenda Dillon, group manager for Avery. "Many people use spreadsheets or other ways to manage addresses and generate labels, but with Plaxo and Avery, mailings are simple and easy. Avery labels are available at thousands of local office supply stores and online."
"Plaxo is collaborating with Avery to offer a solution to a challenge for many people -- finding the time to write out invitations and cards," said Preston Smalley, general manager for Plaxo. "With this new integration, customers can more readily stay connected with their contacts by selecting names from their up-to-date Plaxo address book and printing Avery labels, all within seconds. This new functionality allows people to make their address book work for them and be more efficient. Select, Print and Go! It's that simple. And it's easy to use."
How it works
Plaxo's address book data (business and/or home addresses) is seamlessly integrated into the Avery Design & Print Online system and generates labels to a ready-to-print PDF. In addition, customers using the Plaxo Personal Assistant service benefit from automatic personal and business contact card suggestions, making accurately-addressed labels a painless process.
Because the option to Print to Avery Labels is on Plaxo's Web site menu, a user can print to his/her desktop printer by choosing "Print to Avery", then "Select Label Options" and choose from the most common Avery label types. From there, Avery's mail merge function automatically places the address book information on the label layout for quick editing and printing. Labels are currently formatted for American letter sizes. European letter sizes are planned to be rolled out in future service updates. This label printing feature is a free, online Plaxo service and no software download is required (note: users can buy Avery labels at any office supply store).
Plaxo complements social networks and media companies by helping users pull in disparate sets of contacts (e.g., Facebook, LinkedIn, Gmail, Yahoo!, Hotmail, CSV, etc.) into one common, secure online address book. Plaxo address book also syncs with leading mobile platforms, including Apple iOS, Google Android, RIM BlackBerry and Windows Mobile to pull in their address books. Because Plaxo offers two-way, real-time sync, updates made from one sync point are reflected in every sync point—providing a consistent, updated address book from wherever you access it.
To learn more about this new label feature, visit http://www.plaxo.com/avery. View the video for how-to tips on using this new feature.
About Avery Dennison
Avery Dennison (NYSE: AVY) helps make brands more inspiring and the world more intelligent. For more than 75 years the company has been a global leader in pressure-sensitive technology and materials, retail branding and information solutions, and organization and identification products for offices and consumers. A FORTUNE 500® company with sales of $6.5 billion in 2010, Avery Dennison is based in Pasadena, California and has employees in over 60 countries. For more information, visit www.averydennison.com.
About Avery Dennison Office and Consumer Products
Avery Dennison's Office and Consumer Products Group (www.avery.com) markets products under the well-known Avery® brand name and is one of the world's leading manufacturers of self-adhesive labels for laser and ink jet printers, labeling software, binders, sheet protectors, index and tab dividers and other office-, home- and school-related supplies. Avery Office and Consumer Products, a business unit of Avery Dennison Corporation, is based in Brea, California. For more information about Avery-brand products, consumers can visit the Avery Dennison Worldwide Office Products Web site at www.avery.com or call the Avery Dennison Consumer Service Center at 1-800-462-8379.
About Plaxo
Plaxo helps over 50M people around the world stay connected with the people who are important to them in business and life. The company develops an intelligent, self-updating address book that solves the problem of keeping contact information in sync and relevant. Plaxo enables users to have one up-to-date address book across the most popular Web-based and client-based email accounts, social networks, and mobile devices—providing one unified address book that is securely store and available where and when they need it. Plaxo is a registered trademark of Plaxo, Inc. Other company product and names may be trademarks of their respective owners. http://www.plaxo.com/.
©Avery Dennison Corporation. All rights reserved. Avery, Avery Dennison and all other Avery brands, product names and codes are trademarks of Avery Dennison Corporation. All other brands and product names are trademarks of their respective owners. Facebook is a trademark of Facebook, Inc. Twitter is a trademark of Twitter, Inc. YouTube is a trademark of Google, Inc. LinkedIn is a trademark of LinkedIn Corporation. Gmail, Google and Adroid are trademarks of Google, Inc. Yahoo! is a trademark of Yahoo! Inc. Hotmail is a trademark of Microsoft Corporation. RIM and BlackBerry are trademarks of Research in Montion Limited. None of the non-Avery brands or products are in any way affiliated with or made, sponsored, approved or endorsed, in any manner, by the Non-Avery product owners.
Media Contact
Avery Products Corporation
firstname.lastname@example.com For Plaxo:
Carla A. Schlemminger
+1(650) 254-5403
Nicole DeMeo
+1(650) 254-5404


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Consumer Terms & Conditions
This agreement applies as between you, the User of this Website and NFB Associates Ltd, the owner(s) of this Website. Your agreement to comply with and be bound by these Terms and Conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these Terms and Conditions, you should stop using the Website immediately.
No part of this Website is intended to constitute a contractual offer capable of acceptance. Your order constitutes a contractual offer and our acceptance of that offer is deemed to occur upon our sending a dispatch email to you indicating that your order has been fulfilled and is on its way to you.
1. Definitions and Interpretation
In this Agreement the following terms shall have the following meanings:
means collectively the personal information, Payment Information and credentials used by Users to access Paid Content and / or any communications System on the Website;
means any third party responsible for transporting purchased Goods from our Premises to customers;
means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website;
means any products that NFB Associates Ltd advertises and / or makes available for sale through this Website;
"NFB Associates Ltd"
means NFB Associates Ltd 12 Canons Close, Bicknacre, Chelmsford, Essex. CM34HS;
means collectively any online facilities, tools, services or information that NFB Associates Ltd makes available through the Website either now or in the future;
"Payment Information"
means any details required for the purchase of Goods from this Website. This includes, but is not limited to, credit / debit card numbers, bank account numbers and sort codes;
means any person or business that buys Goods from NFB Associates Ltd from this Website;
"Purchase Information"
means collectively any orders, invoices, dispatch notes, receipts or similar that may be in hard copy or electronic form;
Means our place(s) of business located at 12 Canons Close, Bicknacre, Chelmsford, Essex. CM34HS;
means any online communications infrastructure that NFB Associates Ltd makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;
"User" / "Users"
means any third party that accesses the Website and is not employed by NFB Associates Ltd and acting in the course of their employment; and
means the website that you are currently using (http://fancy-dress-forever.co.uk) and any sub-domains of this site (http://www.orders.fancy-dress-forever.co.uk) unless expressly excluded by their own terms and conditions.
2. Age Restrictions
Persons under the age of 18 should use this Website only with the supervision of an Adult. Payment Information must be provided by or with the permission of an Adult.
3. Business Customers
These Terms and Conditions do not apply to customers buying Goods in the course of business. If you are a business customer please consult our business terms and conditions located here [Business Terms Conditions] .
4. International Customers
If Goods are being ordered from outside NFB Associates Ltd's country of residence, import duties and taxes may be incurred once your Goods reach their destination. NFB Associates Ltd is not responsible for these charges and we undertake to make no calculations or estimates in this regard. If you are buying internationally, you are advised to contact your local customs authorities for further details on costs and procedures. As the purchaser of the Goods, you will also be the importer of record and as such should ensure that your purchase is in full compliance with the laws of the country into which the Goods are being imported. Please be aware that Goods may be inspected on arrival at port for customs purposes and NFB Associates Ltd cannot guarantee that the packaging of your Goods will be free of signs of tampering.
5. Intellectual Property
Subject to the exceptions in Clause 6 of these Terms and Conditions, all Content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of NFB Associates Ltd, our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other laws.
- Subject to Clause 7 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by NFB Associates Ltd.
6. Third Party Intellectual Property
- Unless otherwise expressly indicated, all Intellectual Property rights including, but not limited to, Copyright and Trademarks, in product images and descriptions belong to the manufacturers or distributors of such products as may be applicable.
- Subject to Clause 7 you may not reproduce, copy, distribute, store or in any other fashion re-use such material unless otherwise indicated on the Website or unless given express written permission to do so by the relevant manufacturer or supplier.
7. Fair Use of Intellectual Property
- Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.
8. Links to Other Websites
- This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of NFB Associates Ltd or that of our affiliates. We assume no responsibility for the content of such websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.
9. Links to this Website
- Those wishing to place a link to this Website on other sites may do so only to the home page of the site
without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission of NFB Associates Ltd. To find out more please contact us by email using our contact form.
10. Use of Communications Facilities
- When using the enquiry form or any other System on the Website you should do so in accordance with the following rules:
- You must not use obscene or vulgar language;
- You must not submit Content that is unlawful or otherwise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;
- You must not submit Content that is intended to promote or incite violence;
- It is advised that submissions are made using the English language(s) as we may be unable to respond to enquiries submitted in any other languages;
- The means by which you identify yourself must not violate these Terms and Conditions or any applicable laws;
- You must not impersonate other people, particularly employees and representatives of NFB Associates Ltd or our affiliates; and
- You must not use our System for unauthorised mass-communication such as "spam" or "junk mail".
- You acknowledge that NFB Associates Ltd reserves the right to monitor any and all communications made to us or using our System.
- You acknowledge that NFB Associates Ltd may retain copies of any and all communications made to us or using our System.
- You acknowledge that any information you send to us through our System or post on the enquiry form may be modified by us in any way and you hereby waive your moral right to be identified as the author of such information. Any restrictions you may wish to place upon our use of such information must be communicated to us in advance and we reserve the right to reject such terms and associated information.
11. Accounts
- In order to purchase Goods on this Website and to use the enquiry form facilities you are required to create an Account which will contain certain personal details and Payment Information which may vary based upon your use of the Website as we may not require payment information until you wish to make a purchase. By continuing to use this Website you represent and warrant that:
- all information you submit is accurate and truthful;
- you have permission to submit Payment Information where permission may be required; and
- you will keep this information accurate and up-to-date.
- It is recommended that you do not share your Account details, particularly your username and password. NFB Associates Ltd accepts no liability for any losses or damages incurred as a result of your Account details being shared by you. If you use a shared computer, it is recommended that you do not save your Account details in your internet browser.
- If you have reason to believe that your Account details have been obtained by another without consent, you should contact NFB Associates Ltd immediately to suspend your Account and cancel any unauthorised purchases that may be pending. Please be aware that purchases can only be cancelled until they are dispatched. In the event that an unauthorised purchase is dispatched prior to your notifying us of the unauthorised nature of the purchase, NFB Associates Ltd accepts no liability or responsibility and you should make contact with the Carrier detailed in the Purchase Information.
- When choosing your username you are required to adhere to the terms set out above in Clause 10. Any failure to do so could result in the suspension and/or deletion of your Account.
12. Termination and Cancellation
- Either NFB Associates Ltd or you may terminate your Account. If NFB Associates Ltd terminates your Account, you will be notified by email and an explanation for the termination will be provided. Notwithstanding the foregoing, we reserve the right to terminate without giving reasons.
- If NFB Associates Ltd terminates your Account, any current or pending purchases on your Account will be cancelled and will not be dispatched.
- NFB Associates Ltd reserves the right to cancel purchases without stating reasons, for any reason prior to processing payment and dispatch.
- If purchases are cancelled for any reason prior to dispatch you will be refunded any monies paid in relation to those purchases.
- If you terminate your Account any non-dispatched purchases will be cancelled and you will be refunded any monies paid in relation to those purchases.
13. Goods, Pricing and Availability
- Whilst every effort has been made to ensure that all graphical representations and descriptions of Goods available from NFB Associates Ltd correspond to the actual Goods, NFB Associates Ltd is not responsible for any variations from these descriptions. This does not exclude our liability for mistakes due to negligence on our part and refers only to variations of the correct Goods, not different Goods altogether. Please refer to Clause 15.1 for incorrect Goods.
- Where appropriate, you may be required to select the required [size] [model] [colour] [number] [other features] of the Goods that you are purchasing.
- NFB Associates Ltd does not represent or warrant that such Goods will be available. Stock indications are provided on the Website however these may not take into account sales that have taken place during your visit to the web site.
- All pricing information on the Website is correct at the time of going online. NFB Associates Ltd reserves the right to change prices and alter or remove any special offers from time to time and as necessary.
- In the event that prices are changed during the period between an order being placed for Goods and NFB Associates Ltd processing that order and taking payment, you will be contacted prior to your order being processed with details of the new price;
- All prices on the Website do include VAT.
14. Delivery
- NFB Associates Ltd will notify you by way of email when your goods are to be dispatched to you. The message will contain details of estimated delivery times in addition to any reasons for a delay in the delivery of the Goods purchased by you.
- If NFB Associates Ltd receives no communication from you, within 7 days of delivery, regarding any problems with the Goods, you are deemed to have received the Goods in full working order and with no problems.
15. Returns Policy See separate policy
- Returns Policy
16. Privacy
Use of the Website is also governed by our Privacy Policy
17. Disclaimers
- NFB Associates Ltd makes no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Services.
- No part of this Website is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind.
- No part of this Website is intended to constitute a contractual offer capable of acceptance.
- Whilst NFB Associates Ltd uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, all Users are advised to take responsibility for their own security, that of their personal details and their computers.
18. Changes to the Service and these Terms and Conditions
NFB Associates Ltd reserves the right to change the Website, its Content or these Terms and Conditions at any time. You will be bound by any changes to the Terms and Conditions from the first time you use the Website following the changes. If NFB Associates Ltd is required to make any changes to Terms and Conditions relating to sale of Goods by law, these changes will apply automatically to any orders currently pending in addition to any orders placed by you in the future.
19. Availability of the Website
- The Service is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
- NFB Associates Ltd accepts no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.
20. Limitation of Liability
- To the maximum extent permitted by law, NFB Associates Ltd accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein. Users should be aware that they use the Website and its Content at their own risk.
- Nothing in these Terms and Conditions excludes or restricts NFB Associates Ltd's liability for death or personal injury resulting from any negligence or fraud on the part of NFB Associates Ltd.
- Nothing in these Terms and Conditions excludes or restricts NFB Associates Ltd's liability for any direct or indirect loss or damage arising out of the incorrect delivery of Goods or out of reliance on incorrect information included on the Website.
- Whilst every effort has been made to ensure that these Terms and Conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these Terms and Conditions and shall not affect the validity and enforceability of the remaining Terms and Conditions. This term shall apply only within jurisdictions where a particular term is illegal.
21. No Waiver
In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.
22. Previous Terms and Conditions
In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.
23. Third Party Rights
Nothing in these Terms and Conditions shall confer any rights upon any third party. The agreement created by these Terms and Conditions is between you and NFB Associates Ltd.
24. Communications
- All notices / communications shall be given to us either by post to our Premises (see address above) or
Contact Us. Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.
- NFB Associates Ltd may from time to time send you information about our products and/or services. If you do not wish to receive such information, please unsubscribe
25. Law and Jurisdiction
These Terms and Conditions and the relationship between you and NFB Associates Ltd shall be governed by and construed in accordance with the Law of England and Wales and NFB Associates Ltd and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.


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Telemundo's Jose Diaz-Balart to host MSNBC show
MIAMI (AP) — Top Telemundo news anchor Jose Diaz-Balart will take over host duties of MSNBC's 10 a.m. weekday slot.
The veteran newsman will host the show beginning in June from his hometown in Miami and continue his duties on the Spanish-language network's nightly news. He replaces Chris Jansing, who will become NBC's senior White House correspondent.
MSNBC President Phil Griffin said Tuesday the deal has been in the works for some nine months. Griffin says he's wanted to snag Diaz-Balart for years but had to find a time slot that wouldn't conflict with the nightly news on Telemundo, which is also a division of NBC Universal. Diaz-Balart is the brother of U.S. Rep. Mario Diaz-Balart and former Rep. Lincoln Diaz-Balart. His aunt was the first wife of Cuban leader Fidel Castro.
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