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March 27, 2008
Early Implementation Provisions from the November 1 Final Rules
Several major provisions of the November 1 Final Rules may be implemented prior to the effective date of July 1, 2008. In previous articles, OGSLP highlighted the simplification of the deferment process and frequency of capitalization on Federal Consolidation loans. This edition features the Final Rules provisions affecting graduate or professional student (Grad) PLUS loans and certain provisions of loan discharge for false certification as a result of identity theft.
Entrance and Exit Counseling Requirements for Grad PLUS Loans
The November 1 Final Rules added all first-time Grad PLUS loan borrowers to the required Stafford loan borrower entrance counseling requirements. The entrance counseling requirements for Grad PLUS loan borrowers vary depending on the borrower's Stafford loan history. A school may provide comprehensive entrance counseling to meet the requirements for both categories of Grad PLUS loan borrowers.
Exit counseling requirements for Stafford loans were modified for borrowers who also received a Grad PLUS loan. For these borrowers, the school must include Grad PLUS loans when calculating the average anticipated monthly payment amounts if the school uses the average debt of other student borrowers as the basis for the estimate.
Additional information about requirements for Stafford and Grad PLUS loan entrance and exit counseling can be found in the 2008-2009 Federal Student Aid Handbook, Volume 2, Chapter 6, pp 2-78 to 2-84. If you have questions, please contact Policy, Compliance, and Training at (405) 234-4432 or email@example.com.
Loan Discharge for False Certification as a Result of Identity Theft
Another major provision from the November 1 Final Rules that is eligible for early implementation pertains to student loan discharge for false certification as a result of identity theft. Under this provision, a lender:
- Shall suspend consumer reporting agency reporting on a loan for up to 120 days after receiving a valid identity theft report or notification from the consumer reporting agency that a report of identity theft has been made while the lender investigates the enforceability of a loan.
- May grant a 120-day administrative forbearance on the loan while the lender is investigating a false certification as a result of a possible identity theft.
For an identity theft claim to be considered for discharge, a judicial determination by local, state, or Federal court must verify that identity theft has occurred, name the perpetrator, and confirm that the victim did not receive or benefit from the loan proceeds. If you have questions, please contact Policy, Compliance, and Training at (405) 234-4432 or firstname.lastname@example.com.


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Most Recent Articles
Different Bridal Makeup Looks And Tips
Every girl or woman wants to look like a dream on their wedding day. Because a wedding is a life changing and inspiring occasion, great care is taken to decide on the look of the bride, with everyone trying their best to make her look and feel beautiful. If you have a wedding coming up and want to look your best then the best way to go about it is deciding on how exactly you want to look. A good amount of research and trials at home is a good thing as you are sure to get an idea of how good or bad you look in each look. If you are looking for some quick tips to help you with your bridal make up and looks then here are a few tips:
- Understand how you look first. It is very important to be realistic about your looks and your expectations. If you have a traditional look then it is important not to try out something that is drastic and bold. There are many looks that will complement your traditional features and it is best to enhance them other then hiding them.
- On the other hand if you have a modern look and then might actually be the lucky one and sport a different look for your wedding. Break the rules and sport a fashionable head gear, giving the traditional veil a miss and impress everyone!
- When it comes to your makeup it is always better not to overdo. There are sure chances that you will be stressed out before your wedding so try not to cake your face with makeup. If you are aware of your best features then ask your beautician to enhance it. Another way of going about the make up is to compliment your looks based on your dress.
- If you are tired of the same white dress worn by all, then you can opt for colors while still managing not to shock others. Soft colors like peach, light oink, green and blue look wonderful on any skin tone and while they allow you to try something different, they balance by not looking too out of the place.
Finding Your Perfect Wedding Dress
Finding your perfect wedding dress is both an enjoyable and challenging task. If you want to get hold of the perfect wedding dress, then brace up for some serious looking around, trying innumerous dresses till you finally find the pick. If you are confused as how to start shopping for your wedding dress then here are a few tips that will definitely help you out:
- The first to do is know what you are looking for. If you are bold and daring type and have a loud fashion sense then you should stir clear of the traditional wedding dress. There are innumerous dresses available today that have amazing cuts, a good combination of colors and will compliment your personality and mood.
- If on the other hand you prefer to go traditional and want a wedding dress that not only makes you look like an angel but also gets everyone's approval in the family then there are endless options for you. Take your pick from your favorite wedding dresses, inspired by periodic films and your favorite characters.
- There are many places where you can shop for your wedding dress. Bridal shops have flooded the market and you can visit them with your friends or family and try on the ones you want and ultimately select the one that you like best. Though this is the traditional method of selecting the wedding dress, it surely does take up time.
- If you want to save time and all the running around then you can order fascinating wedding dresses online.
Wedding-The biggest wedding splurges
You think about your wedding from you were a little girl. Planning on what type of wedding dress you will wear the type of cake and how many bridesmaids you will have. You choose your partners based on your romantic notion of prince charming and then one day you find him. He proposes to you, and you have a wedding to plan and it will be important that you take every detail into consideration. Having a disaster on your wedding day is never something a couple plans for. That is why it is important for every detail of the wedding to be looked over, and not overlooked. This includes the location, time of year, theme, invitations, cake, food, wedding party, attire, wedding dress fitting and many other miscellaneous areas. Be prepared for all the tension that comes with planning a wedding and figure out how you will handle them.
One of the main things you can do is get a wedding planning workbook. Ensure it has all the resources, steps and guides that you can use to plan a wedding ceremony and the reception; from day one until the execution of the event. You will use this planner to keep track of all the details, and it will help you to remain organised. A workbook will also stop you from forgetting some of the minor details that may slip through the cracks and you won't wake up on your wedding day, dreading that some minor detail was forgotten. You should also keep all invoices, bills and receipts in this workbook.
There are disastrous things that happen on a wedding day. Some you may not learn about until after the ceremony; such as getting horrible or low quality pictures of your wedding. This would be devastating for any couple as it was the only way you could capture such a precious moment. Therefore ensure you get a professional and research them to the hilt. Make sure you have seen samples of their work, meet with them on a couple of occasions, do they show up early, how is their personality and do they respect your opinion. You have to look out for all these things. Make sure they have more than one person taking pictures or doing the video recording. Some couples ask their friends or family members to take pictures as well just to make sure.
You have to also plan for other disasters like not getting your wedding location. You cannot leave this detail until the last minute. It is one of the first things that you have to take care of; a popular wedding location goes like hot bread, especially in the peak wedding, spring, or summer season. Once you have decided try to get the venue booked and contract signed. Make sure you have alternative just in case that it is booked. Not having wedding dress is a disaster of epic proportions to most brides; especially if they have lost weight, gained weight, or had some accident. There are thousands of options to getting a dress online, research websites and stores in and around your area. Make sure you take a trusted friend and family member on your hunt, to give you constant honest feedback on how you look in it. The dress of your dreams might not be the best dress for your body.
Read MoreWedding Accessories on A Budget
Most couples planning on a wedding are usually overwhelmed with the costs involved. The prices of commodities are on a rise and therefore, you need to be patient and resourceful in order to get your wedding items on a budget. Wedding accessories are essential in order to add that special touch to your wedding. If you wish to stick to a budget or save money, you can choose some of the do-it-yourself accessories. On the other hand, you must look for discount stores that sell these items for less.
The bridal accessories and the wedding dress would cost a lot of money. These are the items that you shall be wearing only once. Therefore, try to save up on your wedding dress. Instead of choosing some of the top designers in the market, you can check some local retailers and get a better dress within your budget. Most retailers offer huge discounts if you were to purchase the items over the Internet. Besides, there are several stores on the Internet, which would leave you with better choices. You can also compare the rates between these sellers in order to find your best pick.
Wedding veil is another expense in the wedding. You can either borrow one or make one yourself and you can save some extra dollars there. On the other hand, you can save up on the shoe expenses as well. Typically a bride needs 3-5 pairs of shoes per wedding, for different ceremonies. Instead, you can choose one that works well with all outfits. Such a way, you will be saving a significant amount of money on shoe expenses.
Quite a few times, wedding stores may get you a discount if you were to buy items in bulk. Therefore, club your purchases together and buy your dresses or accessories from the same stores. With the current state of economy, it is difficult to earn money and therefore couples are looking for cheaper alternatives for their wedding. Designing your own wedding accessories can certainly take some time, however it will come out a lot cheaper.
Read More
Bright Colors for Bridesmaid Dresses
Your wedding will be your chance to express yourself and these days, a lot of brides choose to do this through vibrant colors. Bridesmaids' dresses are one of the most exciting parts of any wedding process. Bridesmaids are now choosing bold and punchy colors for their dresses. We have formulated a few ideas for your bright bridesmaids dresses
Your wedding is your chance to express yourself, and many brides are choosing to do through vivid color. One of the most fun wedding trends this year is bridesmaid dress in bold, punchy colors. These are some fabulous ideas for bright bridesmaid dresses for 2010 weddings. The key to making some of the best bridesmaid dresses is to choose an eye-popping color. For an instance, if your bridesmaid dress contains a lot of embellishments or ruffles, then you must choose a subdued hue such as charcoal or pale pink. On the other hand, if you want your bridesmaids to capture the greatest attention in the wedding, you can choose the gowns with simple silhouettes in lush saturated hues. The type of fabric can also make a significant difference to the dress. You can pair some classic jewelry with the dress in order to create an elegant look.
Shades of green can turn out to be pretty bright for the attendants whereas chartreuse is one of the ideal shades for a contemporary wedding. Vivid Kelly green is a unique shade that brings a fresh feeling and will help you create an innovative look for your bridesmaids. Yellow is another popular color this year and it would help you create some cheerful bridesmaids dresses. Also, sunny shades can work well with all kinds of fabrics, from chiffon to satin to shantung. People usually create yellow bridesmaid dresses in order to bring a vintage feeling to the wedding. If you were to have a summer wedding, you can choose a shade of orange along with contrasting colors, in order to create a sophisticated look for the wedding. Lastly, if you were to have a fashionable wedding, you can use turquoise blue since the shade is in rage this year.
Read More
Handmade jewellery UK
Whether you are a simple or stylish women, fashion is something you always pursue, chase, and follow in your daily life. The essential rule of living in the society is to embrace all types of latest fashions and trends that come in the way during a new year. Fashion Jewellery makes its place first on the list when it comes to buying and collecting the general fashion accessories for the wardrobe.
Most college girls and working women are wearing handmade jewellery these days, on all formal and informal events, to look sassy and smart. Supporting a marvelous handcrafted ring of jade or mother-of-pearl is an indication that you have a great sense of fashion and that you are ready to make a pace with modern trends by showing off unique accessories in the social whirl.
Now let's talk about gemstones which are making their way back to the fashion industry, especially in the handcrafted art and work of jewellery. Rubies, once ignored for their scarlet shade, are now being used extensively in the rings on both gold and silver plated two-finger rings. When choosing on a particular gemstone, you will surely be wanting to support your birthstone in the ring, if ruby is your gem you should wear it openly. It may set off your personality clearly.
Another common gemstone used in the handmade jewellery is diamond, when placed and carved professionally in a masterpiece, it presents versatility and uniqueness at the fullest. There is a variety of cuts in diamonds to choose from such as pear cut, heart cut, prince cut, and oval cut depending on the events you want to wear it for. If you are living in UK, you should be glad as you will find a lot online stores where unique pieces are displayed and sold online by talented artisans. You might want to check out new arrivals of Handmade Jewellery UK for an upcoming party or event.
Jade is the color of the year so you have plenty of choices to get a high-quality sapphire embedded in your handmade necklace or ring. Other choices in gemstones are turquoise, quartz, carnelian and topaz. If your budget is tight right now and you desire to make a big collection of handmade jewelry without investing on expensive gemstones this year, you can buy casual beaded jewellery at a low price for any occasion.
Long and choker necklaces, for instance, are readability designed for special events requirements where you want to wear something edgier with a casual party or prom dress. Long necklaces are designed with crystal and multi-colored beads, with a simple charm hanging in the middle (butterfly, heart, crystal etc). These necklaces come with a long backdrop chain which is often delicate but very durable. Choker necklaces may have an intricate two, three or four tiers embedded beaded outlook, depending on their design. You can have beads replaced with your desired color to make your necklace complemented with the party dress or you can wear it as it is just for the fashion. Just like necklaces, handmade bracelets, rings, and wedding accessories are also as perfect for normal days as for special occasions.Start making your collection now! Surf for the outclass handmade Jewellery UK to fill your jewellery box with attractive handmade jewellery
Read More
Questions That Need To Be Asked To The Wedding Venue Manager Before Booking
If you are booking a wedding, then you will have started to realise what a massive undertaking that this really is. There are so many different things to think about! One of the most important things to think about is certainly going to be the wedding venue.
A lot of people see this as simply their accommodation for the night, or a room to host their wedding. The reality is that a wedding venue can be so much more than this if you want it to. In fact, the best wedding venues can actually help to massively reduce the workload involved with the big day.
Do you have catering facilities?
One of the popular wedding venues of the 21st century is the hotel. Most hotels have catering facilities. Here is the good thing, if they do have catering facilities, then that is a huge job that you don't have to get involved with. As you are using the facility for catering and as a venue, there is no chance of them letting you down! It reduces stress leading up to the big day and on the big day too!
Is there accommodation for guests?
Think about where your guests are coming from. The chances are some of your close friends and family might want to stay over the night, especially if they have had a drink. Are there enough rooms for all the guests? Are the prices reasonable? What facilities does each of the rooms have to offer?
Is there a recommended vendors list?
If the wedding venue has a list of vendors that they recommend, then it is likely they are a popular choice for weddings. This might include links to wedding plans, DJs, bands and more. Not only will they save you time digging through phone records and making calls, you'll have the peace of mind knowing that plenty of others have used them in the past without any problems.
What are the opening hours?
The venue may have set opening hours. If you are having the after party here, then you want it to go on into the early hours. Make sure that this is not going to be a problem before you book the venue.
If you want to get married in South Wales, we reccomend that you have a look at the
The Vale Wedding Venue, a luxurious four star resort, just a twenty minute drive from Cardiff.
Read MoreThings to Consider for Designing Wedding Invitations
If you have decided to design wedding invitations on your own, you are simply inviting fun and boosting your creativity in the right way. It is really fun to supervise your own creative work, as you pick a custom design, layout, and wordings. Your creativity is put to test when you choose from the several wedding invitation templates and designs. What's more to it is that it is a cost-effective way of obtaining the desired invitation for your big day. Whether readymade or hand-made, wedding invitations need to be simple and convivial. So, here are the things that you must consider at the time of designing your own wedding invitations.
This design element entails the complete design of the invitation card. In order to choose the right layout, you need to have a very clear vision. You should be sure of the color and shape as well. Moreover, you also need to fix other details such as the number of cards and guest list. This means that you must finalize all the elements of the layout for preventing any disappointment or dissatisfaction later.
The card can be of any shape of your choice. You can either pick a traditional one such as rectangle or square to add the conventional as well as an elegant touch or an innovative one such as wedding bells or cake. The latter shapes are more preferred nowadays as couples desire to introduce an element of novelty in their cards. Similarly, you can also think of some creative shapes for the envelopes as well.
Paper Type
You need to ensure that the paper chosen is solid enough but not as thick as a cardboard. It is fine to choose handmade or fragrant papers for making the occasion more special. Moreover, paper cutting should be done uniformly in bunches by utilizing a sharp cutter.
As a rule of thumb, the content must be concise and precise. The invitation card must clearly state the details of the ceremony, such as the date, timing, and venue. Apart from these essential details, you also might want to show map-based direction to the venue for the convenience of the guests. In addition, you may also wish to include a small poem rhyme or some quotation for making the invitation quite special. An extra card for responding back may also be included. However, just ensure that you do not include too much to make the invitation look cluttered.
When it comes to writing the desired test or details, you can either choose to have a computer print or your own print in the form of calligraphy. Printing is a choice when you wish to ensure uniformity and elegancy. However, calligraphy can be an ideal choice if you or anybody in your family is familiar with the art.
This is where your creativity is challenged to add some sprinkling effect. You can think of some artificial flowers, small bells, and bows here. However, they should suit the card theme.
Bio: Mindy Hendricks is a qualified event planner in Tennessee. She runs a small firm that is gaining popularity slowly. With a diverse experience of five years in the event management field, she is now planning to take up wedding events. Until now, she only has managed corporate and party events. In order to be successful even in planning for the wedding events, Mindy has already started her research work online. She is gaining a deep insight on topics such as wedding invitation templates, wedding stationeries, decorations, and catering. Mindy expects a wedding project in near future, which may be probably of her best friend.
Read MoreGet The Most Lavish And Exquisite Spot To Host Your Events In London
If you are looking for a place to host any event in London, be it commercial or private, then one of the best places to do so is the Winchester House in London.
- History of the Winchester House
Built in the early years of the 17th century, this house was used during the Civil War's Putney Debates by Oliver Cromwell. During that time, he had planted a mulberry plant on the grounds and this plant has now grown into a beautiful tree and still bears fruits lusciously till date.
- Location of the Winchester house
This place is perfect in terms of settings and location for any kind of event. Located uphill from the Putney Bridge right next to the Thames, this lavish land consists of large spaces for various events. One can host weddings.
- The Winchester House Club
The idea of turning the Winchester House into a club for various events didn't emerge until the late 18th century. In 1893, the Winchester House Club came into being. Both members and non-members are welcome to host events of their choice here at the Winchester House. They are associated with the AMPM Catering Venue Hire London. You don't have to look for separate catering services for your events as you will get all you need from here itself.
- What kind of catering services can you get from AMPM Catering?
They offer both whole meals and buffets-
a) Spit roast buffet
b) Barbeque buffet
c) Late evening buffet
d) Dinner menu meals
e) Hot fork buffets
f) Pre dinner reception
g) Wedding reception
h) Cocktail buffet
i) Bowl foods
So take your pick and have a lavish event of your choice at the Winchester House.
Read More
An Amateur or a Professional for your Wedding Photography.
As you do your wedding plans, always remember that photography is the only aspect that lasts longest and keeps the treasured memories of your wedding for generations. Photography can take a big part in your budget and you may not know whether it is worthy it or the money should just be allocated to some more important things like meals, decor and venue. Remember after the wedding is over, all you will be left with to show are the images. We want to look at the differences between hiring a professional and hiring an amateur to do the photography for you.
- Hiring an amateur
With advance in technology where there are cameras that are easy to use and almost everyone owning one, you may be tempted to consider getting a friend or a relative to help you with photography and save on the money you would allocate to pay a professional photographer. However you should be very careful if you decide to take this route and ensure that the person you are entrusting with the job has some experience. Remember,as we mentioned earlier, the photos are all you will have to show and therefore you deserve something that you can enjoy looking at and that can preserve memories of those sweet moments. Remember also that if you give the duty to a person who is involved in planning, you may end up losing many images of the wedding as the person will also be attending to some other things. You can also consider relying on a number of guests who will take the images and upload them for you. This will give you a wide range of images but you may not get quality because most of them are inexperienced.
Alternatively, you may not have the money to hire a professional wedding videographer but you may opt to get a student who is training in that field. You will pay much less than what you could spend on a professional and some of the students are very talented and creative and can produce very good images.However,before you decide to have it this way, ensure that you get a look at the images that person has produced earlier and are satisfied that they will deliver.
- Hiring a professional
If you want to get quality images that you will always be happy with, then you may consider hiring a professional though you have to dig dipper into your pockets. With a professional, you will not need to be involved in things like editing or printing of the photos as he will be taking care of that. A professional has the experience and knows what he needs to document throughout the wedding. You rest assured that all the details will be captured because he will be there all the time. An amateur may be a friend who want also to be part of other proceedings of the wedding and therefore may fail to capture some important details. A professional photographer will help you come up with the best poses and he will capture all the essential shots for your wedding. Hiring a professional may seem like a big investment but the benefits will far outweigh the cost if your concern is quality and you want to have impressive images.
Read MoreHow to Choose the Perfect Engagement Ring
Most people dread the idea of shopping for an engagement ring. There are so many choices out there and new designs are launched every day. It is certainly not easy to choose what to get for your better half. Also, you don't want to let your personal choices get in the way of the purchase. You want the ring to be liked by the person for whom you are buying it to be happy. This is why choosing the right ring becomes such a dilemma. Worry not because the following points will make your woes go away –
- Know the Jargon – You can't buy the right ring unless you know what the jeweler is talking about. There are many common terms that are a part of the terminology you should know about –
- Band – The band is the body or the ring itself. It covers the finger and can be a gold band, white gold or even platinum. Gold is yellow in color and can be combined with other more durable metals. White gold needs a plating of rhodium, which wears off with time. Platinum gets lighter but that doesn't look bad because of the metal's natural shade.
- Gemstone – Usually, an engagement ring comes with a diamond but you can choose another stone as well.
- Setting – There is a small piece that would be attached to the band, so that your gemstone is fixed at its place. There are two kinds of settings – pronged and invisible. The six-pronged setting is common for people who are used to a lot of activity and want their gem to be in place.
- Other Things – You would also get to hear about the carat of the diamond, color, clarity, cut of the stone you buy and the cost.
- Know Your Partner – Different people prefer different rings and gems, which is why you must never choose anything off the shelf without research. Go with your partner to the jewellery store and see what kind of bands and stones they prefer. You could also make small talk about a friend's engagement ring and try to find their preference. Sometimes, when you are really confused about what to do, it is best to take a friend's help.
You could also take a look at any existing collection of jewellery they have and make a decision. Always get a ring that you could exchange, in case your partner doesn't like it.
- Put a Ceiling On Your Budget – You obviously have a fixed budget but you should know when to stop. Of course, this is an important day for both of you but that doesn't mean mindless spending. It is usual to fix the ceiling price at two months' worth of salary.
Always take your jeweler's help and advice while you select the ring. This is why it's also important that you choose a good jeweler. You could view Charles and Colvard engagement rings if you want some new designs.
Read More
Top 4 Wedding Trends in 2013 to Watch Out For
So, you would be getting married soon and are curious on how to go about it. This is such a special day for you and it is understandable that you want everything to be just right. Worry not, because this year is full of gorgeous trends. Thanks to the virtual media, it is now very easy for trends to pick up and circulate. A simple web search can give you many unique styles to incorporate into your wedding.
No matter what kind of bride you are, there is something for everyone. For the traditional brides, there is a way to stay minimalistic with your look with some bold highlights. For the bold brides, there is something to balance out the eye popping elements. The following points will summarize a few hot trends of the season and you can choose your favorite ones yourself –
- 1. Bird Theme – This trend started in 2012 but does not appear to have died down in 2013. Birds feather add a touch of royalty and sophistication to any attire. Be it earrings or other jewellery, if you can carry it off, there is no stopping you from looking fabulous. Not only in your clothes and accessories, bird feathers are also seen in wedding invitations. You can get custom wedding invitations and choose a bird themed invitation style. It would give you and your guests something to preserve for nostalgia's sake.
- 2. Wedding Flowers – The look preferred for wedding flowers this year is fresh and bright. Of course, flowers also mean lots of colors and many options to color theme your wedding. Greys and yellows look classy and fun at the same time. You can add some pastels to give it a mellow and soft romantic look. Texturing is trending again and you can make use of it by adding grass, fruits and berries along with the flowers. Use many beautiful ribbons to give a finished look and you're done.
- 3. Elegance – The past few years saw brides turning towards the DIY trends more. The preferred look was slightly messy and bold. This year, elegance is back in demand with brides looking towards the old styles for inspiration. Sleek looks that come from corsets, detailed and delicate lace work and a red carpet like attire are in style this year. Even the wedding dresses are classy, and hairstyle and makeup is simple and minimalistic.
- 4. The Twenties – The style and vintage fashion from the twenties seems to be pretty big in 2013. This look includes dropped waists in dresses and elegant lace work in colors like ivory. Lace is going to be a huge trend this year and feel free to include it anywhere you like. In jewellery, pearls and gold rule the hearts of brides. For head wear, headbands with beads and cloche like headpieces would look very nice.
All these trends are very practical and you can use elements from everything to have that perfect wedding you've always dreamt of.
Read More

subset: commoncrawl


text:
Montreal West's Environmental Action Committee (EAC) is seeking to join with the residents, institutions and businesses to make MW energy efficient "One Bulb at a Time".
EAC is encouraging everyone to over time change their light bulbs for energy efficient ones. MoWesters can save money by taking advantage of Hydro-Québec's Energy Wise program and also save on the cost of electricity. Add it to your grocery list and it becomes routine to buy your weekly bulb.
There is no question of why we need to become more energy efficient and why we ALL need to be involved in the solution. EAC's objective is for MW to become a model community in its goal to being an energy efficient town "One Bulb at a Time". Be a participant in contributing to energy efficiency and a solution to a sustainable future.
If you are interesting in helping our team, email: email@example.com


text:
My first entry Well this is my first journal entry, I have been umming and ahhing about doing this for a while now, but I have finally got off my backside and am up and running. I don't know what I hope to achieve by doing this, but I'll see what comes of it, who knows it could be fun, welcome to my world.I am very new to this, I mean I have seen journals before but this my first attempt at maintaining one myself. Please feel free to leave a comment on any entry of mine, try to be reasonably polite though, lol
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RNAIII-Independent Target Gene Control by the agr Quorum-Sensing System: Insight into the Evolution of Virulence Regulation in Staphylococcus aureus
Molecular Cell, Volume 32, Issue 1, 10 October 2008, Pages 150-158
Shu Y. Queck, Max Jameson-Lee, Amer E. Villaruz, Thanh-Huy L. Bach, Burhan A. Khan, Daniel E. Sturdevant, Stacey M. Ricklefs, Min Li and Michael Otto
SummaryCell-density-dependent gene regulation by quorum-sensing systems has a crucial function in bacterial physiology and pathogenesis. We demonstrate here that the Staphylococcus aureus agr quorum-sensing regulon is divided into (1) control of metabolism and PSM cytolysin genes, which occurs independently of the small regulatory RNA RNAIII, and (2) RNAIII-dependent control of additional virulence genes. Remarkably, PSM expression was regulated by direct binding of the AgrA response regulator. Our findings suggest that quorum-sensing regulation of PSMs was established before wide-ranging control of virulence was added to the agr regulon, which likely occurred by development of the RNAIII-encoding region around the gene encoding the PSM δ-toxin. Moreover, the agr regulon in the community-associated methicillin-resistant S. aureus MW2 considerably differed from that previously determined using laboratory strains. By establishing a two-level model of quorum-sensing target gene regulation in S. aureus, our study gives important insight into the evolution of virulence control in this leading human pathogen.
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Copyright © 2008 Elsevier Ltd All rights reserved.
Trends in Microbiology, Volume 17, Issue 2, 54-58, 21 January 2009
Staphylococcus aureus as an intracellular pathogen: the role of small colony variants
Parham Sendi1, 2, and Richard A. Proctor3
1 Unit of Infectious Diseases, Basel University Medical Clinic, 4410 Liestal, Switzerland
2 Center for Infectious Medicine, Department of Medicine, Karolinska Institutet, 141 86 Stockholm, Sweden
3 Departments of Medical Microbiology/Immunology and Medicine, University of Wisconsin School of Medicine and Public Health, Madison, WI 53706, USA
Increasing evidence indicates that Staphylococcus aureus might be a facultative intracellular pathogen. In particular, certain subpopulations, called small colony variants (SCVs), seem to be well adapted to the intracellular milieu. When compared to 'normal' staphylococcal strains, SCVs show increased uptake by host cells, resistance to intracellular defenses and reduced stimulation of host defenses. We propose that the ability to form two subpopulations with different phenotypes might allow S. aureus the option for both extra- cellular and intra-cellular survival in the host.


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Volante : Volante Developer's Guide : Performance tuning
Database cache size
Disk access is orders of magnitude slower than memory access so the size of the cache has a big impact on Volante performance. Default size of the cache is 4 MB. You can change the cache size by providing cacheSizeInBytes
argument to IDatabase.Open()
call. Don't make it smaller than 64 kB.
A bigger cache usually leads to faster operations, but keep the following in mind:
- a very large cache might cause your application to use all available memory which might lead to disk swapping which will drastically degrade the performance of the whole system, including your application
- operating system also maintains file cache, so data is cached twice. That being said, accessing data from cache is faster than from operating system cache because we avoid overhead of OS call and context switching
- it's not possible to have zero-sized cache. When data is accessed it has to be pinned in the cache so the cache should contain enough entries to keep all pinned pages. Don't make the cache less than 64kb
You can use Volante as an in-memory database by passing 0
as cacheSizeInBytes
Using larger transactions
Larger transactions (calling IDatabase.Commit()
less frequently) also improve performance and reduce the size of the database file.
Volante uses shadow objects for changed (but not yet commited) data. If you change the object multiple times, it's cheaper to commit only once after several changes than commit several times, after each change.
Volante groups objects into 4kB pages and reads/writes a whole page at a time. Changing only one object causes a whole page to be modified so it's cheaper to group modifications to minimize number of changed pages.
The disadvantage of larger transactions is that in case of a crash more data will be lost.
Be careful about your in-memory object graph
Usually the database root object is kept in some variable during the lifetime of your program. That means that root object and all of the objects it points to will not be reclaimed by .NET garbage collector. If anywhere in your graph you reference a large number of objects e.g. as IPersistent[10000] largeArray
, all of them will be kept in memory all the time.
You can avoid that by using collections that load objects on demand. Built-in Volante collections, like indexes or persistent array do that.
Not flushing file buffers
When Volante writes its data to a file, by default it flushes file buffers (i.e. calls FlushFileBuffers() win32 function). This is needed for reliability, to make sure that the data has really been written to disk and not merely queued by the operating system for writing. This is slower than not flushing. If you can sacrifice reliability, set IFile.NoFlush
property to true
This only affects IFile
implementations that write to disk, like OsFile
Tuning datbase parameters
The following properties on IDatabase
influence performance. If changed, they should be set before the database is opened. The values are in bytes.
Parameter | Default value | Description |
ObjectIndexInitSize |
1024 | Initial size of the object index. Object index is increased on demand. Reallocation of index is expensive. To minimize number of reallocations, object index size is always doubled. Larger initial index size will reduce number of future reallocations which will slightly increases performance. It will also lead to a larger initial size of database file. With default value of this parameter, initial database size is about 50Kb. |
ExtensionQuantum |
4Mb | Memory is allocated by scanning bitmap. If a big enough space cannot be found, the database is extended by the value ofExtensionQuantum . Increasing the value of this parameter leads to less frequent rescanning of allocation bitmap from the very beginning. It leads to faster allocation and better locality of references for objects (because there is a higher chance that they will be allocated sequentially). On the other hand, it leads to less efficient memory usage. Reducing the value of this parameter forces reusing of existing space in memory allocation bitmap.
ObjectCacheInitSize |
1319 | Volante needs object cache to check if an object with a given oid is already loaded in memory. This cache uses weak references to allow garbage collector to reclaim memory used by objects. When a cache fill threshold is reached, cache is reallocated by doubling its size. Increasing this parameter can save cache reallocations, which leads to higher performance but also higher memory use. |
Using code generation
Volante is using its own serialization/deserialization which happens every time an object needs to be stored in the database or loaded from the database. This happens often.
To speed up serialization/deserialization Volante can dynamically generate optimized methods for serializing each type (as opposed to using a slower, generic method).
To enable that set IDatabase.CodeGeneration
property to true
A small downside is that those functions have to be generated every time a database is opened, which might slow down opening of the database if it contains a lot of types.


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Complete Care for PeopleLiving with Multiple Sclerosis
The Lutheran Multiple Sclerosis Center provides comprehensive medical care and support to patients with Multiple Sclerosis (MS)
Diagnostic and Treatment Services Include:
• Management of patients with MS and related disorders
• Infusion Therapy - medication given to you through a vein (IV)
• Neuropsychological evaluation and cognitive training (how the brain works in relationship to behavior)
• Social Services evaluation
• Nutritional evaluation and counseling
• Nursing and educational services
• Rehabilitation (inpatient and outpatient)
• Physical Therapy
• Speech Therapy
• Occupational Therapy
• Neuro-optometry - for patients with low vision after sudden damage to the brain due to accidents or illness.
• Spasticity management
• Specialty referrals including Urology, Ophthalmology and Behavioral Health
Medicare, Medicaid and other major insurances accepted for patients without insurance, we offer a sliding fee scale.
Our Locations:Shore Road Family Health Center9000 Shore RoadBrooklyn, N.Y. 11209
Lutheran Medical Center150 55th StreetBrooklyn, N.Y. 11220
Lutheran Medical Arts Pavilion8714 Fifth AvenueBrooklyn, N.Y. 11220
For more informationCall 718-630-7316 Meet our Team of Experts Nada Abou-Fayssal, M.D., a board certified neurologist, joined Lutheran Medical Center in August 2010 to establish a comprehensive MS care center. She earned her medical degree from St. Joseph University in Beirut, Lebanon and did her residency training in neurology at Mount Sinai Medical Center. Before joining Lutheran, she was director of the Multiple Sclerosis program at the Medical University of South Carolina. Agnes Cappabianca, R.N., C.N.R.N., C.R.R.N., M.S.C.N., is a clinical nurse specialist and an MS certified nurse at Lutheran. Ms. Cappabianca has ample experience in the development of policies, documentation, program design and support group services. Her responsibilities include over-sight and education of the nursing team and the development of MS support program. Ross Gourvitz, Ph.D., is a licensed psychologist who specializes in rehabilitation psychology and clinical neuropsychology. Dr. Gourvitz did his internship at Mount Sinai Medical Center and completed postdoctoral training in Clinical Neuropsychology at Loyola University Medical Center. He held research and clinical positions at Bellevue, NYU Medical Center and the University of Chicago before joining Lutheran Medical Center in 2009. Enza Navarra, P.T., D.P.T., is a licensed Doctor of Physical Therapy. She completed a Masters Degree in Physical Therapy at Long Island University and her doctorate in Physical Therapy at Widener University. She served as a senior Physical Therapist at NYU-Rusk Institute of Rehabilitation, where she treated a large number of patients with neurological disorders including stroke, multiple sclerosis and Parkinson's disease. Dr. Navarra is currently the Clinical Education Coordinator in the rehabilitation department at Lutheran Medical Center. Natalya Lezhak, D.P.T., graduated with a Masters Degree in Physical Therapy from the collage of Staten Island in 2001 and finished her Doctorate Degree in Physical Therapy at the St. Scholastica College in 2009. She has worked at Lutheran Medical Center for nine years and currently holds the position of PT Manager in the Rehabilitation Department. Romana Ahmad, O.T., is the Occupational Therapy manager at Lutheran Medical Center. She holds a Bachelors Degree in Occupational Therapy from McGill University in Canada and is currently enrolled in a Masters of Science Program in Education at Capella University. Ms. Ahmad served as a staff Occupational Therapist at Montreal Neurological Hospital and as a Senior Occupational Therapist at Maimonides Medical Center before joining Lutheran in 2008. She is experienced in treating patients with neurological diseases including spasticity and stroke. Cynthia Gonzalez, L.C.S.W., has vast experience as a social worker and has worked at Lutheran HealthCare since 1994. She holds a Masters Degree in Social Work from CUNY, Hunter college and is the recipient of the Jacob Goldfein Award for Outstanding Scholarly and Creative Work. Her resume includes several personal recognitions and awards including New York City Pacesetter Award and Public Service Award. Christine Lee, M.S., R.D., C.D.N., C.D.E., joined Lutheran Medical Center after completing a Masters Degree in Nutritional Studies at California State University. She is currently focused on the counseling of proper nutrition for multiple sclerosis patients.


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Found January 01, 2012 on
St. Louis — Michael Crabtree caught two touchdown passes, one from kicker David Akers on a perfectly executed trick play, helping the San Francisco 49ers withstand a late rally by the St. Louis Rams and wrap up the No. 2 playoff seed in the NFC and a first-round bye in a 34-27 victory Sunday.
Original Story:
49ers 34, Rams 27
Crabtree, Davis lead 49ers past Rams to clinch bye
49ers' 'Sleeper' trick play works to perfection
David Akers Is Now Throwing Touchdown Passes
49ers hold off Rams 34-27, clinch No. 2 seed
49ers hold off Rams, 34-27
49ers earn playoff bye with 34-27 win over Rams
49ers set records and milestones in the first half
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WWE: The Top 20 Matches of 2012
By (Senior Analyst) on December 29, 2012
7,338 reads
2012 saw one less pay-per-view than 2011, yet arguably more quality matches.
Whether we were seeing a classic WrestleMania match including the Rock's singles debut in more than eight years, the "end of an era," John Cena and CM Punk going at it again, or the emergence of newcomers such as the Shield and Ryback, viewers never ceased to be entertained.
After the Money in the Bank pay-per-view, I made a list of the Top 10 matches of the year so far. After debating with other readers, friends, and taking into account the matches that have occurred since, I give you the top 20 matches of 2012.
Honorable Mentions
All of the following matches didn't make the Top 20 this year, in my opinion, but they were all worth mentioning.
Team Ziggler vs. Team Foley saw Ziggler get over against Randy Orton with a devastating superkick, Antonio Cesaro started to show real talent, Main Event began, and Kofi Kingston and Dolph continued to show that they can put on an amazing match on multiple occasions.
Team Ziggler vs. Team Foley (Survivor Series)
Antonio Cesaro vs. R-Truth vs. Kofi Kingston vs. Wade Barrett (Raw)
Antonio Cesaro vs. Sheamus (Raw)
Alberto Del Rio vs. Randy Orton (Hell in a Cell)
Sheamus vs. CM Punk (Main Event)
Dolph Ziggler vs. Kofi Kingston (Raw, Superstars)
#20 - #16
20.) Brock Lesnar vs. Triple H (SummerSlam) Brock Lesnar and Triple H were given months of build leading to their match at SummerSlam. While the match wasn't amazing, it was still pretty good and the WWE made the right move by having Lesnar win.
19.) Dolph Ziggler vs. Daniel Bryan (Raw) I will always remember the facebuster that Ziggler gave to Bryan from the top rope in this match. It was a great match with one of the better spots on Raw this year.
18.) CM Punk vs. Daniel Bryan vs. Kane (No Way Out) Although this storyline was greatly tainted with the involvement of AJ, this was still a good match that deserves recognition.
17.) Randy Orton vs. Chris Jericho vs. Alberto Del Rio vs. Sheamus (Over the Limit) This fatal four way for the World Heavyweight Championship was full of excitement with several near falls and was executed nicely by all four men.
16.) World Heavyweight Championship Money in the Bank Match (Money in the Bank) This match made me say "wow" on several occasions, whether it was Dolph Ziggler's Zig Zag from the top of the ladder or Christian's multiple Spears. Overall, this was a very entertaining match, despite a couple botches.
15.) Chris Jericho vs. Dolph Ziggler (SummerSlam)
Leading up to SummerSlam, everyone was saying that Dolph Ziggler vs. Chris Jericho was a dream match up that could very well steal the show.
In many ways it did, and I believe it to be the match of the night.
The match was great from start to finish and although I disagree with having Ziggler lose only to have him win the following night, seeing the Liontamer from Jericho at the end was actually awesome.
14.) John Cena vs. Ryback vs. CM Punk (Survivor Series)
The build to Survivor Series was an absolute mess. There truly is no other way to describe it.
CM Punk was supposed to face Team Foley with Ryback and John Cena was in the midst of a scandal involving AJ, Vickie Guerrero and Dolph Ziggler.
Somehow, we found ourselves in this triple threat match.
The match was great, as Ryback seemed dominant even when being double teamed by Punk and Cena while Punk and Cena were able to go at it like they always do.
The most important part of the match was the debut of the Shield, including the long-awaited debuts of Dean Ambrose and Seth Rollins. This match will always be remembered as the day they made their mark on the WWE, especially with the impact they've had thus far.
This is not the last we will hear of the Shield in this list.
13.) Randy Orton vs. Dolph Ziggler (Night of Champions)
I had the pleasure of attending this pay-per-view and seeing this match in person at Night of Champions in Boston, and neither man disappointed.
The match was exciting from start to finish and although Ziggler lost for the second straight pay-per-view since winning his Money in the Bank briefcase, the high quality of the match made up for it.
12.) John Cena vs. Dolph Ziggler (TLC)
Dolph Ziggler's feud with John Cena truly began with the feud between AJ and Vickie Guerrero. Although the ladies started everything, these two superstars left it all in the ring at TLC.
In a match that saw Ziggler finally get that main event win over the company's top star, both men were bleeding, tables got involved, and AJ betrayed John Cena.
It would have been nice to see Ziggler go over Cena clean, but this match was impressive from start to finish and saw the right man win.
11.) CM Punk vs. Chris Jericho (WrestleMania)
Chris Jericho returned after a year and a half and finally got his shot at CM Punk one on one at WrestleMania.
The match lived up to the hype that everyone had been anticipating for months, and CM Punk got his win on the biggest stage in wrestling.
The crowd was far quieter in comparison to the Rock/Cena and Undertaker/Triple H matches, which was a disappointment, but from a match standpoint, it was fantastic.
10.) Sheamus vs. Big Show (Hell in a Cell)
If a match could win an award for exceeding expectations in 2012, this would be the winning match.
For six weeks, the majority of WWE fans dreaded this match between these two powerhouses and expectations were lower than low.
Then Big Show and Sheamus surprised everyone with a great high quality matchup that included a stunning finish as Show countered the Brogue Kick with a WMD punch.
9.) Brock Lesnar vs. John Cena (Extreme Rules)
Brock Lesnar's first match in the WWE in several years did not disappoint.
John Cena was busted open in the first minute of this match, which turned into an all-out brawl.
This was entertaining from start to finish and the questionable booking of having Brock Lesnar lose his return match keeps this match from having a higher ranking.
8.) John Cena vs. The Rock (WrestleMania)
John Cena and the Rock may not have had the most technically sound match of 2012, but the year-long build, energy of the stadium and exciting moments helped this match make the top ten.
It was probably the most anticipated match of all time in the WWE, and it really didn't disappoint.
I know that I was screaming no when Cena hit the final Attitude Adjustment on The Rock, furious when Cena tried to mimic the People's Elbow and ecstatic when The Rock jumped up and nailed the Rock Bottom.
This was definitely deserving of the top ten of 2012.
7.) Daniel Bryan vs. Sheamus (Extreme Rules)
After losing to Sheamus in 18 seconds at WrestleMania 28, Daniel Bryan got his rematch for the World Heavyweight Championship at Extreme Rules in a two-out-of-three-falls match.
Both men were awesome in this match, but Bryan carried them to greatness.
After disqualifying himself by loosening Sheamus' arm for the first fall, Bryan used the Yes Lock to secure the second fall for himself.
Luckily for Sheamus, he doesn't need his arm to finish off his opponents and two Brogue Kicks later, Sheamus was the victor.
6.) CM Punk vs. Daniel Bryan (Over the Limit)
When Daniel Bryan became the No. 1 contender for the WWE Championship, wrestling fans everywhere got really excited for a pay-per-view match between these two.
They have yet to disappoint.
Bryan and Punk put on an absolute clinic of superb technical wrestling at Over the Limit, with several different submission maneuvers and a picture-perfect finish.
These two had arguably the feud of the year because of superb wrestling, great promos, and some help from a crazy chick.
5.) CM Punk vs. Chris Jericho (Extreme Rules)
CM Punk and Chris Jericho looked at their WrestleMania match, threw it aside and absolutely topped it at Extreme Rules.
Chicago was electric as these two had unbelievable spot after spot. The street clothes they wore only added to the Street Fight stipulation as both superstars put on one of the matches of the year.
I for one thought the match was over when Punk took a Codebreaker/Steel Chair combination to the face, but the WWE Champion continued his title reign, which wasn't even half over.
4.) The Shield vs. Ryback, Kane & Daniel Bryan
When The Shield made their debut, I jumped out of my chair and ran around the room in happiness, probably similar to the rest of the Internet community who had been waiting for their arrival.
When The Shield made their debut match, I fell out of my chair. Several times.
This match was done to perfection. Absolute perfection. Ambrose, Rollins, and Reigns proved why they have all been so highly hyped for so long with so many unbelievable spots.
Whether it was Ambrose's DDT to Bryan on the chair, the huge double suplex, and of the powerbombs, Reigns spearing Kane through the barricade, or Rollins' huge fall through the tables, the spots in this match made it one for the ages.
No one will ever forget the debut match of The Shield, but not in the way that we remember the debut match of Nexus.
3.) CM Punk vs. Daniel Bryan (Money in the Bank)
This match really impressed me.
Yes, it was not as technical as their match at Over the Limit, but the brutality of it was unbelievable.
Between the kendo sticks, Punk flying at Bryan on the barrier outside the ring, the extremely painful-looking Yes Lock with the kendo stick, and the final table breaking, these two really put their bodies on the line.
The only part of this match that could have been better was if AJ had been more involved, but I'm not complaining; this was an awesome match.
2.) Triple H vs. Undertaker (WrestleMania)
I know what you're going to say. Don't string me up just yet.
Yes, I put the End of an Era match at No. 2 this year. So many times have I heard this year that this was the best match of the year, whether it was through friends, reading articles, or seeing it through the Slammy Awards.
This was an incredible match and maybe it was the Match of the Year, and maybe I'm biased, but I believe another match was the Match of the Year, and I thought it would be nice to have a change of pace.
Triple H, The Undertaker and Shawn Michaels put on one incredible match for the ages which actually had me believing that the streak would end, but Taker and the streak survived.
This leads me to my No. 1 match for 2012...
1.) CM Punk vs. John Cena (Night of Champions)
As I said before, maybe I'm biased because I was in attendance for this WWE Championship match at Night of Champions in Boston, but it does not change the fact that this was one hell of a match.
CM Punk and John Cena went back and forth with each other in a nearly 30 minute match, which included three Attitude Adjustments, two Go To Sleeps and then stunningly, a Rock Bottom to Cena from Punk.
The match was full of everything you could ever want out of a match as Cena and Punk continued to show their great chemistry in the ring.
The shock that went through the crowd when Cena kicked out of the Rock Bottom was unparalleled and despite the fact that the match ended in a draw, it still happened in exciting fashion.
This match was truly a pleasure to witness, especially firsthand and I truly believe that it deserves to be considered the match of the year.
You may not have liked my opinion of the top 20 matches this year and some of you will most certainly ask why a certain match wasn't included and why on earth End of an Era wasn't No. 1, but I stand firmly behind my list.
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Scotty McCreery Talks Girl Troubles & If He'd Ever Have a Drink with Blake Shelton
Country crooner Scotty McCreery dropped by the My Kiss Country 93.7 studio this morning to speak about his performance tonight at the CenturyLink Center with The Band Perry and Brad Paisley.
The "Trouble with Girls" singer just turned 19 this week, but jokingly told Turner & McCoy that he'd share a drink with fellow country star Blake Shelton — when he's 21, of course!
Several ladies in the office were entranced by McCreery, lining the hallways for a glimpse of the boyish singer. "It very much is flattering," said McCreery of the feminine attention he receives all over the country. "Sometimes it gets a little tough," he admitted, "but it's all good. I have a lot of fun with it."
Fun is Tracy's middle name (not really, but it should be), so she took the hint and challenged Scotty to a "Gangnam Style" dance-off. "It might get ugly," he joked.
Touching on his hit song "The Trouble With Girls," McCreery explained that "everybody has a different trouble and you just got to figure it out." As for having his own heart broken, he assured My Kiss Country that it hasn't happened — yet, anyway. "I maybe felt bad for a week," he said about past break-ups.