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Participation in the 403(b) program is voluntary and each employee is responsible for the selection one or more tax-deferred vendors at any given time. Considerable information about each vendor is available for each employer, please visit your employer's plan information page, linked from the "For Employee" button above or by clicking here. You may also want to consult with your own stock broker, tax advisor, financial consultant, or insurance agent. Neither your employer nor Carruth Compliance Consulting, Inc. can offer any investment advice, promote any one product over another, or evaluate, monitor, or recommend companies to sell 403(b) annuities or 403(b)(7) custodial accounts (mutual funds).
Generally, Vendors offer access to their investment products in three different ways, via:
To see the approach used by a specific vendor, please visit our Vendor Go-To-Market Overview page.
Before contacting companies, you should try to learn about some of the different investment opportunities available. Numerous books about money and investments are available in bookstores, from libraries, and on the internet, including the Wall Street Journal's "Guide to Understanding Money and Investing" and Consumer Reports investment ratings. Also available is Morningstar's "Variable Annuity Performance Report," which evaluates the underlying investments of many annuities and mutual funds. Additional useful web links may be reviewed by clicking here. Learning basic information will help you decide how to invest.
There are some levels of risk in any type of plan you chose. Generally, the more risk you take, the higher the potential return. Make your decision on which type of plan you want and how much risk you are willing to take.
Beware of investments with fees or loads that are excessive or hidden. Many investments have declining fees over time or charge only a low one-time fee each year. Avoid annuities that advertise a high rate of interest that is only good on the money invested initially. After the initial period at the high rate, the money may earn a lower rate.
Positive signs of a good product are ones that have flexible payout policies once you retire. Look for solid ratings for the investment company in A. M. Best, Standard & Poor's, and Moody's. Check to see how well a given investment has performed against the industry average for similar investments. A good company will be proud to show you their performances in these areas.
Before committing to any 403(b) investment, ask the following questions:
One large insurance and annuity company advertises that it 'manages money for people who have other things to do.' Some investment companies offer enhanced products that include investment and financial advice, usually for an extra fee. Check out some of the products and services offered by companies on the vendors list to see if they offer such investment advice to clients. The more common situation is for employees to secure the services of a financial advisor, sometimes referred to as a financial planner or a financial representative.
It's been said that some people spend more time on choosing an automobile to purchase than they do on selecting a financial advisor. If that observation has a ring of truth to it, it may be because people are familiar with the daily driving experience and the ease of deciding what they want. In contrast, financial management is a task that, for most people, involves decisions and considerations that they know little about. They also find it difficult to assess the qualifications of those who provide financial services. The following web links provide helpful information about selecting a financial advisor.
We also provide a full page of additional advice on qualities to look for in an advisor and pitfalls best avoided. Learn More
Contact us if you have questions about any of the information provided on this page.


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4 Things To Know About Virtual Private Clouds What is a private cloud? A virtual private cloud (referred to as simply private cloud from here on) is a happy marriage between traditional enterprise IT and cloud computing. Unlike public cloud implementations, the hosted services in a private cloud are behind a corporate firewall. The enterprise has more control over its data and applications in this kind of setup. For the past couple of years, private clouds have emerged as the hottest subcategory under cloud computing, as it expands the power of the cloud to new industries such as finance and
datacenter management
Best Practices of a Google Apps Deployment View this webcast to geek out with Jim Copeland, Dan Kennedy and Marcello Pedersen, Google Apps deployment specialists, on why a "big bang" approach is earning customers accolades within their organizations. You geeked out with us on the technical details of a Google Apps migration. Our three Google Apps deployment specialists return with a new motto: Go Big Bang or Go Home. Yes, the traditional IT approach for deployment is usually a gradual, phased migration of hardware, software, and users. But cloud computing offers the IT professional a chance to focus efforts on

subset: commoncrawl


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The Ullman/Swell 4 Thursday, September 28, 2006 Full Description: The Ullmann/Swell 4 is Gebhard Ullmann (winds,) trombonist Steve Swell, bassist Hill Greene & legendary drummer Barry Altschul. This emotional and intense quartet has toured the U.S. and Canada and recorded their first CD, Desert Songs and Other Landscapes, for the CIMP label in 2004. In October and November of 2006 The Ullmann/Swell 4 will be performing in Europe for the first time. The road-tested results that define their absorbing compositions verify the group's deep commitment to the idea that a music based on earnest communication proves most compelling.
Kevin Norton Quartet Saturday, October 11, 2003 Full Description: "Tomas Ulrich, sax; Hill Greene, bass; Ray Campbell, trumpet and composer/percussionist Norton have created The Dream Catcher (for Wilber Morris), "skirting back and forth among Hard Bop, the so-called Third Stream and Free Jazz."


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EDMONTON - A downtown stretch of Jasper Avenue reopened to four lanes of traffic Wednesday following more than a year of construction, but when revitalization work along the avenue might continue will be up to the new city council.
There are still some barricades and pylons dotting the avenue between 100th and 102nd streets, but the bulk of the work that sent motorists and pedestrians on elaborate detours to reach their destinations is done.
"If the weather keeps up, we should finish everything by the end of October, first week of November," Barry Belcourt, the city's manager for roads design and construction, said Wednesday. "The goal was to get the road open as fast as possible and we have traffic going back and forth."
Permanent lane markings will be painted on the road in the coming weeks.
Crews began digging into the sidewalk and two lanes on the north side of Jasper in May 2012, as part of a project to repair and properly waterproof the Central LRT station's chronically leaking roof. Since the roadway would be torn up for the LRT work, the city started its plan to restore the avenue from 97th to 111th streets as a premier walking and shopping strip.
With the small stretch completed, Belcourt said it will be up to the new council — the municipal election is Oct. 21 and will see at least six new councillors directing city hall — to determine when the next phase of work on Jasper Avenue might begin.
"At this time, the plans are there, it's a matter of getting the funding to go forward," said Belcourt.
Future work on the main strip would likely take less time, as one of this project's major challenges was the LRT work. Crews were also working with "terrible" previous plans of what the infrastructure looked like underground.
"There wasn't a lot of good record keeping so when you ripped it open, … (where) we're standing, there were big voids underneath, there were a lot of big vertical piles that had to go in," said Belcourt, who spoke to media on Jasper Avenue at 100th Street.
The streetscaping portion of the work cost $20.9 million from city coffers. It includes sidewalks widened to six metres from four, new benches and trees, new lighting. The 1980s concrete medians were removed from the avenue to create a shared left-turn lane as part of a five-lane roadway, and parking will be banned at peak periods.
The construction work left some Jasper Avenue businesses behind fabric-coated wire fences for months.
"The construction was a long time, but we learned to embrace it and go with it," said Mickey Van Den Biggelaar, co-owner of De Dutch restaurant, which opened in the middle of construction on Japser Avenue. "In the end it's revitalizing the downtown core ... in the long run, it's better all around."
New street lights on the avenue will be installed in 2014, while underground construction work on the Central LRT station will continue into December.
The city's other completed road projects for 2013 are:
- 108th Street streetscape
- Rossdale Road Bridge over MacDougall Hill Road
- 30th Avenue SW bridge replacement
- Stony Plain Road over Groat Road Bridge
- 17th Street/23rd Avenue roadway upgrades
- Whitemud Drive/17th Street interchange
- 23rd Avenue/Gateway Boulevard interchange final paving
The FDA rejected a drug that is meant to boost a woman's...
Lehigh University music professor and composer Steven...
The man accused of faking sign interpretation while...
Newly released video from the crash of an Asiana flight...


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recipe reviews for:
"This nutritious soup of chorizo, kale, and sweet potatoes takes inspiration from the flavors of Spain. Garnish with store-bought (or homemade) harissa to add heat."
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They are very prompt in delivering their service. They are very corteous and warm. I walked in and they gladly helped me in choosing the right room. Everything is good. they clean towels and bed sheets. the airconditioning is superb and they have hot and cold showers. Their breakfast is tasty and filling it comes with Coffee, Tea or Milo.... More
- Also Known As:
- D'Counter Pensione Davao/Davao City


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- September 3, 2012
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"Obama 2012 "keeping the Country safe since 2008"", might want to talk to Bryan Terry's family about that one.
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Sargent School Gr Dustless Chalk White
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- Twelve 3.25"x .375" dustless chalk sticks.
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I am consistently impressed by the number of great technology conferences, hackathons, and meetups organized directly by their communities. Organizers bootstrap the event with support from universities, corporations recruiting developers, and companies like 10gen that offer technology products and services.
Since 10gen frequently falls into the categories above, organizers of these grassroots events contact me about supporting them through sponsorship. Hence I thought that I would provide some insight into the evolution of my thinking when it comes to investing in community events.
When I joined 10gen, we were completely focused on adoption, educating the community about MongoDB, and gaining traction. We spoke at local user groups and any conferences that would be interested in learning about NoSQL. We sponsored events to get exposure, but we had a tiny marketing budget so I always negotiated the lowest tier.
As the company grew and hired a sales team, it became necessary to think more critically about how we invest our marketing dollars into developer events. We also had lead generation targets to meet, and events seemed like a great way to accomplish that. It soon became clear that we needed to be more systematic in how we evaluated participation in events.
Initially, it was tempting to measure the success of our participation in an event by looking at the number of leads we gathered, and the subsequent activity. Leads are a concrete, measurable metric, and we can clearly track the conversion to a sales opportunity. This approach biased us towards doing larger sponsorships where we could have a booth. When we have had booths at events, we are able to scan visitors, get their contact information, and sell to them. And with a bigger marketing budget, it seemed logical that we invest in a larger presence at events.
However, after investing in many expensive trade shows, it became evident that the value of a few hundred email addresses couldn't justify the tens of thousands of dollars that we would have to spend on a booth rental, travel, handouts, and staff time. In addition, the people we met in these booths were generally new to MongoDB. I felt that the conversations we had were valuable for adoption, but most of the leads were not ready for a conversation with a sales rep.
Anecdotally, I knew that the interactions at these events were having an impact. For example, at a MongoDB conference this year, I spoke with a large enterprise customer who told me that they first heard about MongoDB at OSCON two years prior, when one of my colleagues presented. We didn't sponsor that year, so our investment was just travel and time. It was impossible to track that particular conversion, but that presentation was clearly crucial to that customer's adoption of MongoDB.
We needed a broader framework for measuring value of each component of event participation. For each event, we started to look at all of the benefits of participation, and assign monetary values to them. What is it worth to us to have 100 people sitting in a room listening to a presentation about MongoDB? How about an attendee speaking with an engineer? How many of those conversations can we have at an event? What's the value of everyone at the conference going home with a MongoDB coffee mug?
We enumerate each of the items of value associated with participating in the event, assign dollar values, estimate the number of impressions, and total. We then compare to the cost and use this data to prioritize the events. We try to align our budget according to the company expansion and sales goals, so that we are investing in the right territories and so that we don't end up spread too thin.
Interestingly, I feel that we've come full circle: we started as a scrappy startup doing small sponsorships, talking to people at user groups, networking in the hallway track. We experimented with bigger events, but came to the conclusion that the real value of events isn't in a huge booth, but in the meaningful interactions that we have with individuals. It's harder to measure this, but it's a philosophy that is increasingly informing my thought process. Over time, I have started to internalize the values from this model and it's immediately evident the type of investments we should make.
Based on this model, our approach is increasingly shifting from large trade shows to supporting lots of small community events with small sponsorships. When we participate in an event, we emphasize sending the right speaker and encourage them to work the hallway track. I think that this approach maximizes our reach.
In the next few weeks, I will write a follow up post about how we measure the value of our MongoDB conferences, using some more concrete values.


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Characters Discussed (Cyclopedia of Literary Characters, Revised Third Edition)
Santiago (sahn-tee-AH-goh), an old Cuban fisherman, the protagonist. He is a simple man who loves and respects the sea and all the life within it. On his search for the great marlin, his young friend Manolin fishes with him for forty days, but then Santiago fishes alone among the elements. After eighty-four days of fishing without a catch, the old man's patience is rewarded. He hooks a huge marlin but then must engage in an exhausting three-day struggle with it. In his battle with the marlin, Santiago begins to identify with the fish, feeling a brotherhood with it and almost a sense of guilt about the idea of killing it. This feeling of solidarity and interdependence between the old man and the marlin pervades the action of the story. The old man's heroic individualism and his love for his fellow creatures is evident throughout. After finally harpooning it, he attaches the marlin to the bow and stern of his boat, but sharks begin to devour his catch. Santiago's next battle, with the sharks, proves impossible to win, and Santiago reaches shore with only a skeleton, worthless except as a symbol of his victory. In his struggle with the giant marlin, Santiago pushes himself to the limits of his physical and mental endurance. A man with native intelligence and a strong will to survive, Santiago bears tragedy with great humility and dignity.
Manolin (mahn-oh-
(The entire section is 473 words.)
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Themes and Characters
The small cast of characters in The Old Man and the Sea consists of Santiago, the old fisherman, and Manolin, the boy who has fished with him for years. Though the old man hits a run of bad luck, Manolin still wishes to fish with him. But Manolin's parents demand that he fish with a more successful boat.
Other important characters come to life in Santiago's mind. Santiago speaks to and loves the flying fish, the dolphins, and the noble marlin. Santiago also speaks to the sharks, but he meets their malignancy with enmity. The sea is also a character, perhaps the major presence in the book. Santiago thinks of the sea as a woman, thinks of it "as la mar, which is what people call her in Spanish when they love her," while the younger fisherman think of the sea as the masculine "el mar" and consider it "a contestant or a place or even an enemy." The famous New York Yankee of the 1930s and 1940s, Joe Dimaggio, maintains a symbolic presence in the novel, often in Santiago's thoughts. Despite the pain of his bone spur, Dimaggio plays great baseball. Santiago, too, perseveres in spite of his age and "bad luck."
The book's best-known line sums up its most important theme: "A man can be destroyed but not defeated." Hemingway suggests that, although a person may be stripped of everything in the process of living, a quest conducted with skill, courage, and endurance can guarantee the ultimate triumph of the human spirit. Hemingway...
(The entire section is 507 words.)
In this short novel (or novella), the cast of characters is small. Everything centers on Santiago, and it is through his consciousness that the world of the narrative comes alive. Santiago's character is unambiguous, straightforward, as clearly and roundly realized and present as the sea. His character is revealed in his sharp, clear, "cheerful," "undefeated" eyes which are "the same color as the sea." There are many memorable formulations of Santiago's character, such as the following: "He was too simple to wonder when he had attained humility. But he knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride." Aside from his simplicity, in the best sense of the word, and his dignity and humility, he has specific physical skills and knowledge as a fisherman, as well as discipline, determination, strength, and endurance. Also, although not all critics have grasped the point, he possesses a profound spirituality which is made evident in ways besides the obvious Christ-figure symbolism Hemingway employs. For example, when Santiago says his prayers — repeatedly — he also says, "I am not religious," even as he says his prayers. The point is not that he does not value his prayers, as some critics have concluded, but that he is a ritual-centered Catholic believer; that is to say, he may not be "religious," but he is devout.
Although Manolin is the only other important character (and a minor one indeed in terms of...
(The entire section is 401 words.)
Character Analysis
Character Overview
Character Overview
The Old Man and the Sea gives a unique opportunity for a detailed study of one character—the old man. He appears in all but two brief scenes in the novel and, for much of the story, is the only human character. His lengthy solitude gives the reader a deep insight into his motivations and inner workings.
We first meet the old man, Santiago, as a seemingly defeated fisherman. He has not caught a fish for eighty-four days and is seen by the other fishermen as unlucky. His apprentice, Manolin, has left him to join a luckier crew (at the behest of his parents), and Santiago relies on Manolin's charity to get baits for his fishing and food for his table. Yet despite this, his eyes are "cheerful and undefeated." He continues to put to sea each day and believes he will live to catch more fish. The bulk of the novel follows Santiago's quest to catch one more big fish and his struggle with the marlin he manages to hook.
Santiago is a complex, multi-faceted character. He is humble and unpretentious. His simple life and recent lack of success mean that he has nothing—he has no food, his sail is patched and he relies on Manolin for bait and other supplies. Yet at the same time he has the courage to continue to dream. He sets off on a quest not just to catch a fish but to catch the biggest fish he has ever caught. To do this, he is willing to go far beyond the limits of younger, more successful...
(The entire section is 984 words.)
Manolin is a young man, based on someone Hemingway knew in Cuba who was then in his twenties. In the story, however, Manolin is referred to as "the boy." Like Santiago, Manolin comes from a family of fishermen and has long admired Santiago as a masterful practitioner of his trade. Although Manolin's father has forbidden him to go fishing with Santiago because of the old man's bad luck, Manolin nevertheless continues to visit Santiago and to help him in whatever ways he can. Manolin shows great concern for Santiago's health, especially after he sees how Santiago has suffered in catching the big marlin. As a mark of his friendship and respect for Manolin, Santiago has given him certain responsibilities from an early age, such as fetching bait and carrying the lines. By contrast, Manolin's own father only belittles his son's relationship with Santiago.
Even though Manolin appears only at the beginning and the end of the story, he is an important character. Manolin's conversations with Santiago, and Santiago's longing for the boy's company when he is alone, reveal the character of both men. Santiago is seen as a loving, patient, and brave man, both proud and humble, who accepts and appreciates life, despite all its hardships. Manolin is shown to be someone who loves and respects Santiago, and who realizes that he can learn things from the old man that he cannot learn at home.
Manolin undergoes an important change between the...
(The entire section is 308 words.)
Santiago is an old fisherman of undetermined age. As a young man he traveled widely by ship and fondly remembers seeing lions on the beaches of East Africa. His wife died, and he has taken her picture down because it makes him sad to see it. Now he lives alone in a shack on the beach. Every day he sets forth alone in his boat to make a living.
When the story opens, Santiago has gone eighty-four days without catching a single fish. As a result, he is pitied and regarded by the other fishermen as unlucky. Santiago is still respected by some, however, because of his age and his perseverance. He is a very experienced fisherman who knows well the tricks of his trade, including which fish to use as bait.
Santiago also loves baseball and occasionally gambles. He identifies with Joe DiMaggio, the great center fielder for the Yankees in the 1940s and 1950s. Santiago admires how DiMaggio, whose father was a fisherman, plays in spite of bone spurs in his feet that cause him pain whenever he runs. As an old man, Santiago must also cope with the physical demands of his job in the face of the infirmities of his aging body. Yet he suffers without complaining, and it is this stoic attitude that has won him much respect in the community.
Santiago is not a religious person, but he does think about the meaning of life, and his religious references show that he is very familiar with Roman Catholic saints and prayers. Through the author's revelation...
(The entire section is 694 words.)
Other Characters
Bodega Proprietor
Although he is unnamed in the story, the bodega proprietor serves the important function of representing those in the village who show their respect and admiration of Santiago by supporting him—in this case, by giving Santiago free coffee and newspapers.
Female Tourist
Although she has only one line in the story, the unnamed female tourist is important since in her mistaking the carcass of the marlin as that of a shark, she acts as a foil for Santiago's extraordinary knowledge of the sea.
Manolin's Father
Manolin's father forbids Manolin from going out with Santiago after the old man's fortieth day without a fish. By the end of the story Manolin decides to disobey his father out of his love for Santiago.
Old Man
See Santiago
As a friend of Santiago, Pedrico helps the old man by giving him newspapers. After the old man's return from the sea, despite his wounds and exhaustion, Santiago remembers to carry out his promise to give Pedrico the head of the fish carcass.
(The entire section is 177 words.)
The Old Man and the Sea Characters: Homework Help
Source: Beacham's Guide to Literature for Young Adults, ©1999 Gale Cengage. All Rights Reserved. Full copyright.
Source: Novels for Students, ©2013 Gale Cengage. All Rights Reserved. Full copyright.
Source: Cyclopedia of Literary Characters, Revised Third Edition, ©1998 Salem Press, Inc.. All Rights Reserved.


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The WiKID Strong Authentication System is a highly scalable, secure two-factor authentication system. It is simple to implement and maintain, allows users to be validated automatically, requires no hardware tokens, has a simple API for application support (via Ruby, PHP, Java, COM, Python, etc.), supports multiple domains, and supports replication for fault tolerance and scalability. It also supports mutual /host and transaction authentication, wireless tokens only domains, locked tokens (to your PC), anti-keystroke logger keypad PIN entry, etc.
GroupOffice is a groupware suite that takes your office online, implementing online collaboration and CRM. It allows you to share projects, calendars, files and email online with co-workers and clients. It is easy to use and fully customizable. It also features synchronization with PDAs and Outlook.
OpenLaunch is a Web-based content management system that integrates a broad array of services into a single, fully-featured, elegantly designed Web site. The project aims to eliminte the difficulty of integrating multiple systems into a single Web site by implementing a blog, forum, Web pages, wiki, and (coming soon) E-Commerce and support tickets. It is built around the Torpedo Framework, an open MVC framework which includes support for controllers, forms, and a large number of other very useful utilities.
TYPO3 CMS is a Web Content Management System which features automatic creation of navigational menus, headlines, and other dynamic graphical elements, automatic conversion and scaling of images, the ability to present different templates based on variables such as client browser or country code, support for multiple templates on a site, and a built-in password-protection option. Pages can be timed to be shown on a certain date, be hidden on a certain date or just temporarily hidden. TYPO3 supports search in SQL-databases and redesigning of a website at once is just a matter of creating a single new template.
CWIS (Collection Workflow Integration System) is a software package designed to help assemble, organize, and share information about resources online. The software conforms to international and academic standards for metadata while providing turnkey setup and a user-friendly interface, allowing resource collection developers (and end users) to focus on what they want to share (or find) without worrying about the technical details. It provides extensive support for cataloging resources with standardized metadata, which can then be automatically shared via an array of channels out to the larger Internet community, helping others find your work.
WebIssues is a multi-platform system for issue tracking and team collaboration. It can be used to store, share, and track issues with various attributes, description, comments, and file attachments. It is easy to install and use but has many capabilities and is highly customizable. Desktop and Web clients are provided.
Griffon IDE is an IDE for HTML, Bash, Perl, PHP, C, etc. It allows the generation of source code in a few clicks, avoiding traps. It features auto completion, an integrated terminal, project management for C, SFTP mounting (mounting a directory via an ssh key), automatic replacement of text, and a session management tab.
Embedthis Appweb is a fast, little embedded Web server. It is unmatched in efficiency and serves pages at native speed, using an event-driven, non-blocking core to serve multiple requests using minimal resources. It has integrated caching and the Embedded Server Pages C-Language Web framework. Without compromising performance, it has extensive security controls and a rigorous security sandbox that helps protect the server and mitigate denial-of-service attacks. It is one of the most widely deployed embedded Web servers and is used in networking equipment, telephony, mobile devices, industrial control, and consumer and office equipment, and in high-performance Web services.


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Number Peek (recommended for ages 1 - 3)
Number Peek is a fun interactive way to teach your toddler their 123s.
Each of the 20 numbers is shown in upper and lower case. When you tap each number, they curl up revealing something starting with the number. A male or female voice then says the number along with what is being revealed, depending on which voice you prefer.
Features the following 26 high quality images: Monkey, Keys, Strawberries, Peppers, Fingers, Dice, Tomatoes, Eggs, Oranges, Toes, Boxes, Roses, Cards, Blocks, Balls, Candles, Gummy Worms, Pennies, Jelly Beans and Crayons.


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January is Rotary Awareness Month!
Happy New Year! As we enter the second half of this year, I know everyone is still excited from all the wonders that the annual holiday season brings. It's a time for reflection of the year past, but also a time to look forward at what is to come.
As we begin 2011, I encourage you to reflect on Rotary. Hopefully, you are aware of what a fantastic organization you are a part of and what Rotary means locally and internationally. As a refresher, I offer the following: in February, Rotary will celebrate its 106th birthday; there are over 1.2 million Rotarians worldwide; there are over 32,000 Rotary clubs in 200 countries; Rotary has helped all but eradicate polio; the Group Study Exchange program has helped more than 57,000 young professionals explore their career fields; and the Rotary Ambassadorial Scholars program has helped more than 47,000 students from 110 countries study abroad. Rotarians make a difference!
Thanks again for the role each of you play to make Metro Rotary such a wonderful organization. I look forward to the next six months!
President Cindy


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I got an unexpected problem. It happened in Indonesia, my home country. My Wallet was stolen. One of the lost things inside my wallet is my HSBC Credit Card.
When I realized my wallet was stolen, I was starting to call my sister to pick me from train station and called HSBC customer center to freeze my credit card account.
Apparently, the thief has used my HSBC Credit card to purchase some goods such as television, shoes, etc. amounted around USD 1000
I have repeatedly called HSBC to explain that those transaction are illegal do not have my authorization. I enclosed a statement letter from Police Department on my objection letters to HSBC but it seems HSBC does not take account about it. On its reply, HSBC said that the credit card holder must responsible even for illegal transaction that the credit card holder does not authorize.
I am, as a victim of theft and identity forgery, seeking for justice, feeling of secure in using credit card which I feel I cannot get it now. HSBC seems just thinking of profit and does not care to credit card holder. Moreover, the Marketing staff of HSBC even offered me cash facilities and some merchant discounts. Not only that, HSBC also texting me with some merchant discounts even though I have dispute on unauthorized use of my HSBC credit card.
The similar situation does not happen in United States where the Government has rules to protect its citizen from being overly charged as a victim of identity theft. Limits on Financial Losses from Identity Theft according to FTC rules is USD 50, as I quote: â??Your liability for unauthorized use of your credit card is limited to $50. If you report the loss to the credit card company before your credit card is used, you are not responsible for any unauthorized use.â??
I am hoping someone suggest me what I should do.
I have been with this bank for 15 years! Longest relationship ever of any kind surely for me. Their customer service and nickle and diming has gotten so bad for an average Joe like myself that after 15 years I have decided to take my business elsewhere. Not to mention their online banking is the WORST! why does it take days to update an account? The nail in the coffin came for me when I deposited another bank issued check into my account and it took HSBC 10+ days to clear. It was not a personal check mind you, it was a check from another reputable bank. So needless to say my account got over drafted and the fees that came with it. Apparently that's the "norm" when i called to see if i could get all my over draft fees down and of course the answer was a no. This bank is definitely not for an average American with an average paycheck. Use to be a great bank with nice perks like no overdraft fee if you qualified for their select credit line so long you paid it off before the cycle ended. Well. Good bye HSBC.
I opened my account with HSBC USA back in January 2006 and in 2010, I was offered HSBC premier. End of 2012, i was assigned a relationship manager to help with me transitioning to other country for work. We had discussed about having my HSBC account opened in the new country. The transition was promised to be smooth as what HSBC is advertising for "HSBC premier is a comprehensive banking service that you can access from wherever you live or work around the world and HSBC premier enables you to open HSBC deposit accounts worldwide from the U.S. And move money online between them securely and without fees; this is a lie! On Apr. 2013, I called up my HSBC relationship manager telling him that i'm in the middle of setting up my HSBC premier account with the local branch and on Nov. 2013, I phoned HSBC USA premier regular hotline and was told that there was no account under my name?
I asked her to check it again and she said that my account was overdrawn and closed. When I told the customer service lady that it wasn't me, she just answered back " sorry, there is nothing I can do. Your account was already closed back on Jun. 2013.
So, I phoned the relationship manager through his direct office. He informed me that HSBC have a legal right to terminate their relationship with the customer and they had mailed me the check to my address back in us, which they shouldn't have done it since I had kept him updated about the timeline I'm moving to outside us. I asked him why I wasn't informed by email like usual and he replied that his new position didn't allow him to email me the notification. I'd asked to speak with his manager but he told me that he is the manager now. He will send me the form that i need to fill up to retrieve my check. So, I told him that i will report this case to the police if HSBC is giving me a hard time to get my money back. Later, he told me that he'll have the check sent to my local address next.
Caught in the net of apparently lots of others. Our small nonprofit that has had accounts in US and UK branches of HSBC for 5 years had our account closed, with no explanation. They sent a postal mail notice to a mail drop address where we only go occasionally, since we do everything online. No help, no explanation other than "concentrating on international banking users." Despite having an account in UK and US, no recourse. With all their scandals recently, and not cutting off US customers, how can they claim the brand "world's local bank?" Despicable.
I opened this account while living in Canada because HSBC was the first bank I found that accepted something other than a us driver's license as the primary form of ID. So kudos for a bit of worldliness. They also had relatively (for the us) high interest rates on a savings account, and i give them high marks for online account security, which is much better than any other bank I've dealt with. Fast forward five years, the interest has dropped to 0. 01%, and i am living in the us but still getting the occasional Canadian check that i have to deal with. I called to ask about exchange rate and foreign check fees, and was told by customer service that it would be deposited at mid-market rates with no fee. Therefore i opted to send the check to HSBC rather than back to my remaining Canadian bank account. Unfortunately, they had given me incorrect information and I was both gouged on the exchange rate and charged a fee for depositing a foreign check. I submitted a complaint in the customer service form online, and never heard back. They are also brutally slow about transferring money to another bank - it can take a week. Just closed that account today.


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Full-color Leather Capri Sandals
These are so comfortable and the thin straps are so delicate and lady-like for flip flops. I got two pairs for this summer already!
So many sandals to love this season but this standout pair is exactly the color I would choose to describe a dream vacation, whether land or sea or somewhere winding in between.
Tags: leather, Australia, wood, platform, turquoise, summer sandals, low heels, womens sandals, zimmermannAdded 3 Years Ago from Zimmermannstore -
Merely one week ago, I was wearing tights under my dresses. But now that baring my toes is actually an option, I spy flower-embellished thongs everywhere I look. Give your feet a real party (post-pedicure, of course) with a pair... Merely one week ago, I was wearing tights under my dresses. But now that baring my toes is actually an option, I spy flower-embellished thongs everywhere I look. Give your feet a real party (post-pedicure, of course) with a pair of these Pliner beauties. In your choice of pastel or metallic leather or, my favorite option: one of each, please.
Tags: leather, Donald J. Pliner, bronze, black, pewter, Neiman Marcus, aquamarine, womens shoes, springAdded 4 Years Ago from Neiman Marcus Online -
I really love the kicky simplicity of these sandals! Plus its finally getting warm here and NYC and I'm dying to show off my pedicure. Not to mention I love patent leather and navy blue!
Too bad my mother's feet are smaller than mine!lol. She'd love these, just her style.
Added 5 Years Ago from Norm Thompson -
Braided vines and floral cutouts in metallic bronze leather = earthiness and luxury.
Added 5 Years Ago from Sundance -
Leather sandal made from Italian Leather, matte finish, braided suede trim along the front and adjustable straps.Love these! Check out the side view!
Added 5 Years Ago from Free People -
I love it when to designers team up with retail stores that can fit a women's budget. Pierre Hardy did that with this shoe and want it sooo bad. It comes in burgendy, green, white, and caramel.
Soft-finished suede uppers with stylish brass accents.Also in Black, Dark Brown and Yellow. Are you seeing a theme here? I really like thongs!
The rhinestones, really make these sandals special.
Brown leather studded sandals. Look good with a pair of jeans or shorts. Tisdale wore these sandals with jeans. You can wear them at night or during the day.
Tags: fashion, shoes, accessories, sandals, womens shoes, Footwear, women, womens accessories, leatherAdded 6 Years Ago from Kitson -
These sandals are so cute! The slingback and toe loop are very simple and keep your feet in the sandal.
Added 6 Years Ago from Thenaturalstore -
These sandals are awesome. Made with leather tanned with vegetables, they are also chemical free! These not only look amazing, but are made with rice husk soles, they should be comfortable, too!
Tags: sandals, Eco, leather, black, women's fashion, womens shoes, womens clothing, leather sandals, black sandalsAdded 6 Years Ago from Thenaturalstore -
these are sick, must haves!


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User Review:
- www.anticapizzeria.com.pe It is probably one of the best pizzerias in Lima, or in Perú, as the best food nationwide is always in Lima, the gastronomic and political capital of the country. Now with the discovery of the oldest city in the Americas just north of Lima, it is also the oldest cultural and archaeological site, the Incas being only the last layer of many different cultures. Lima was the place were pyramids were built four thousand years before Machu Picchu !
- The description was provided by Sergio Alejandro Lira
Ask a local about Antica Pizzeria
Locals have answered 158 questions about Lima.
Ask Lima Locals about Antica Pizzeria


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If you are a new parent in Welby, chances are good that you are in need of affordable child care. But you don't want to relax your standards of quality, right? Well, neither do we. In fact, we have compiled the best child care service providers in Welby, from home child care providers to preschools and everything in between, and we are ready to help you make a decision you can trust. Call us today and let's get started.
If you are a new parent, you may be surprised when you first start to research child care costs in Welby. It can be stressful trying to balance quality and affordability. You feel guilty because you can't afford what you would prefer. Well take a deep breath, exhale and then call us. We can put you in touch with a child care professional in Welby that you can trust AND afford. You don't have to settle for less when it comes to your children.
Day care is not as simple as "point, click, and hope it goes well". There is no warranty on day care; you have to choose right the first time. But who has the time to take care of kids AND fully research the best child care development professionals in Welby? Good news: We do. We can help you make this important decision with minimal hassle. We'll put you in touch with reliable, trusted, and affordable child care professionals. Best of all, we'll do it quickly and easily. Contact us today!
If you have been looking for a child care school in Welby, you can finally take a deep breath, exhale, and relax. We're on the case. We know that your children are the most important thing in your world. That's why we've done the work ahead of time to find you the most affordable and trustworthy child care in your neighborhood. Give us a call today and we will introduce you to the child care solution you've been looking for.
You're a good parent. You work hard to make sure that your children have everything they need, and in your situation, maybe that means working an extra job to provide for them. When you can't be there, you want to make sure that you have the best child care assistance available in Welby, CO. You need it to be affordable (because you don't want to work ANOTHER job), but also trustworthy and safe. We understand, and we're here to help. Contact us today, and let us help you find the best in child care.


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Posted by banga on March 3, 2005, at 16:04:28
In reply to Re: Please call someone for help, posted by Jeroen on March 3, 2005, at 15:22:01
Please Jeroen, do hang in there. As a person who is just coming out of four and one half years of hell and wanting only to die, truly believe me, it is worth hanging on. I am so sorry you are in such pain.
URL: http://www.dr-bob.org/babble/20050227/msgs/466041.html


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Meet the new Windows Phone: Reinvented Around You [advertisement]
October 29, 2012 at 23:08 GMT | By John Williams
Microsoft CEO Steve Ballmer promised that Windows (including Windows Phone) product will be everywhere in the next few months. In his own words, Ballmer said "you wont be able to open a magazine or watch a TV show without seeing a Windows advert."
The above video was seen at today's keynote and has already been uploaded onto the Microsoft's YouTube channel. What do you make of it?
Want to keep up to date with the latest Windows Phone news, rumours, apps, games, etc? Just like us on Facebook, follow us on Twitter or subscribe to our feed and we will do the rest.
John fell in love with the Microsoft mobile platform the moment he laid his eyes on the indomitable HTC HD2. Currently an IT project manager, John devotes the little time he can spare to WPSF. Current device » Nokia Lumia 800
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Complementary Protein |
(click to play the music) |
Download RealPlayer G2 |
Amino acids are just great When sitting on your plate. Your body needs all twenty kinds To build your bones and minds. But there are eight that we can't make: Essential ones to take Within your food so you'll be set, But some are hard to get. Three limit others' usefulness If you consume much less. Combine these foods to get them all So you'll grow big and tall: Whole grain with milk or grain with bean Or peas with seeds between Or maybe try all three or four If you want something more. |
Copyright © 2001 by J. Stein Carter. All rights reserved.
This page has been accessed times since 20 March 2002.


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What We Do : Animal Adventures Camp
Animal Adventures Summer Camp at Seattle Humane
Sign up for Animal Adventures Camp at Seattle Humane Society! During each fun-filled day, your child will be learning about the world of companion animals. Last summer, more than 150 kids spent the week learning the value of animal companionship while having a blast. Some of our fabulous speakers included Washington State Department of Fish and Wildlife Karelian Bear Dogs, Karen Briskey with her therapy horses, and numerous dog demos by members of our community.
This year's camp is now full.
Register now by filling out our online form.
Please download the form using the icon in the upper right hand corner of the document and email it in an attachment to [email protected]. This form requires Adobe Reader. Get it now.
Questions? Please contact [email protected].
Adventures include:
- Meet-and-greets with visiting pet friends
- Fascinating guest speakers from the animal community
- Hands-on pet training and animal language lessons
- Games and lots of hands-on activities
Day session dates:
Ages 7-9
- June 24 - June 28Session Full!
- July 1 - July 5* (4-day session; no camp on July 4) Session Full!
- July 22 - July 26 Session Full!
- July 29 - Aug 2 Session Full!
Ages 10-12
- July 8 - July 12 Session Full!
- July 15 - July 19 Session Full!
- Aug 5 - Aug 9 Session Full!
- Aug 12 - Aug 16 Session Full!
Our five-day summer camp is $205. *We offer one four-day camp for a discounted rate of $164. Scholarships are available for those with limited incomes — please inquire when registering by submitting a letter of need to [email protected].
- Our camp is great for kids ages 7-12 years old.
- Camp is held from 8:30 a.m. - 1 p.m. at Seattle Humane Society, 13212 SE Eastgate Way, Bellevue, WA 98005.
- Registration is limited to 25 campers per session on a first come, first served basis.


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On Tuesday's "Ellen DeGeneres Show," teensy-tiny actress Hayden Panettiere, who's 5-foot-1, told DeGeneres that fans are always approaching her and asking how she manages to have sex with her boyfriend, 6-foot-6 Ukrainian heavyweight boxer Wladimir Klitschko. "I get the rudest prudest people coming up to me, and they're like, 'Does it work?'" Panettiere said. "Yeah, it works. We find a way." She went on to say that the people who are the most curious about their bedroom habits are conservative types. Well, call me a pervert (or would it be a prude?), but after I heard that little anecdote, I started to wonder the same thing about … well, everybody. It can't be easy for Kim Kardashian, 5-foot-2, and her current 'baller beau, Kris Humphries, 6-foot-9, to get horizontal. Same goes for everyday couples with different proportions that we see walking down the street hand in hand. So how can partners who have totally different body types have the hottest sex possible? A few of the country's top sexperts offered their opinions on the perfect down-and-dirty positions for "mismatched" partners…
Check Out Beyonce's Bikini-Filled, Jamaican Vacation Photos – CELEBUZZ | |
13 Celebrities Who Have Posed Nude For Ad Campaigns – StyleCaster | |
15 Worst Reactions to Pregnancy Announcements – The Stir | |
Does Liking Lesbian Porn Make Me a Lesbian? Ask A Slut! – College Candy | |
Miley Cyrus And Demi Lovato Pressured Joe Jonas To Smoke Weed?! – Celeb Dirty Laundry | |
8 Secrets Real Women Hide From Their Men – Your Tango |
Posted Under: celeb couples, height differences, sex advice, sex tips


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Good names for bad storms: Frankenstorm, Snowpocalypse and more
Sometimes we remember storms not only for the damage they caused -- blackouts, flooding, and even fatalities -- but also for their names. With a 24-hour news cycle and an ever expanding Twitterverse, the country's harshest storms increasingly take on an identities of their own. Names over the years have included "Snowmageddon" and "Snowpocalypse." As superstorm Sandy was taking shape, its monikers included "Sandy Frankenstorm."
More: 'Snowquester,' packing a fierce Midwest legacy, heads to D.C. area
— Joseph Serna
Image 5 of 10
#SnOMG: Thanksgiving week 2010( Colin Mulvany / The Spokesman Review )
Tristan Long and Hayden Symbol with the City of Spokane Water Department remove snow from the Monroe Street Bridge in Spokane, Wash. Heavy snows, high winds, tornadoes and flooding were seen across the U.S. during Thanksgiving week 2010, disrupting travel and holiday plans.


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Wine and Whales in South Africa's Western Cape
Round-up of The Hermanus Wine and Food Fair by Lonely Planet author Lucy Corne.
Hermanus, South Africa is 1.5 hours to the west of Cape Town. Originally named Hermanuspietersfontein, its main language is Afrikaans.
The wind was wailing outside, but inside the tents it was all smiles at the 15th annual Hermanus Wine and Food Fair. The pretty coastal town of Hermanus, South Africa is best known for its superlative land-based whale-watching opportunities, but wine-loving locals and foodie travellers took a few days away from scanning the sea for breaching Southern Right Whales to honour another local attraction – wine.
The Western Cape is well known for its wine, though visitors often stick to the more famous towns of Stellenbosch, Franschhoek and Paarl to get their tasting fix. But Hermanus sits at the heart of a number of excellent but often overlooked wine routes, including Elgin, Stanford and the Hemel-en Aarde Valley, famous for its delectable Pinot Noirs. The festival featured wines from the entire Overberg region – and wine lovers from much further afield. While many of those sipping on the complimentary tasters were locals, lots more made the short and picturesque drive from Cape Town, including international travellers from a host of countries. All roads to Hermanus are exceptionally beautiful whether you opt for the quickest route from Cape Town, where the highway winds through a mountain pass, or the simply stunning Clarence drive, hugging the coast and offering breath-taking vistas across False Bay.
The three-day fair filled a marquee pitched in the grounds of the town's Wine Village, which serves as a one-stop shop for those seeking to taste local wines but without the time to go farm-to-farm, with more than 700 producers from across the Western Cape represented. Tickets were needed to enter the wine tasting area, with a ZAR95 (£7.00/$11.00) ticket getting you an elegant, large wine glass and free tasting of the wines on offer. And there was much more than wine for booze lovers to sample, with two boutique distilleries showcasing their handmade gins, vodkas and a much raved about absinthe. There was also handcrafted cider on offer and while there was one port to taste and a couple of MCCs (Methode Cap Classique, the local name for Champagne), it was the crisp Sauvignon Blancs, peppery Shirazes and tart Pinot Noirs that really stole the show.
For those more interested in nibbling than sipping, entrance to the food tent was free and filled with locally-produced cheese, cured meats, organic nibbles and a host of enticing baked goodies for dessert. The big hit of the food tent though was Piroschka's Kitchen, with their Flammkuchen, a pizza-like dish whose subtle flavours married perfectly with a glass of bubbles.
The atmosphere was chilled as the crowd – largely wine enthusiasts – milled around sipping, savouring and sometimes spitting. Some were there just for the tasters, while others took advantage of the cellar door prices and the special discounts available. Away from the wine, live music played, kids got their faces painted and families shopped for food and crafts both within the tent and the rest of the Wine Village beyond. And if the wine tasting ever got too much, the town's world-famous whale watching was only a short drive away.
If you are planning a trip to South Africa, or want to discover more food/drink events in South Africa visit our listing here.
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The 17-foot bronze statue of Senator Strom Thurmond behind the State Capitol here depicts him striding southward with vigor and purpose, and that is precisely how South Carolina's leading officials prefer to imagine him in Washington these days.
No one, Democrat or Republican, really wants to talk about the visible deterioration in Mr. Thurmond's health and mobility in recent weeks, and speculation about whether the 98-year-old senator will remain in office through the end of his term in January 2003 is all but taboo.
''The governor has no doubt that Senator Thurmond will serve out the end of his term,'' said Morton Brilliant, a spokesman for Gov. Jim Hodges.
Mr. Brilliant added that his boss would not come to the phone to discuss the unimaginable: a midterm replacement for the man who has served longer in the Senate (nearly 46 years), and at an older age, than anyone else in history.
But the issue, which used to be typically idle political gossip about a man in his 10th decade, has lately become quite serious. At precisely the moment when the Senate is evenly divided between the two parties, Mr. Thurmond's health has forced him to cut back on his duties, including his role as president pro tem.


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BRENHAM, TX -- The Blinn College softball team moved up one spot to No. 7 in this week's national poll released by the NJCAA. The Buccaneers are 43-6 on the season and 18-2 in conference play with four games remaining in the regular season.
Led by one of the top pitching staffs in the country, the Bucs have four starters with ERA's under 2.00 and three with ten or more wins.
Sophomores Tara Bell (Baytown) and Alyssa Vordenbaum (Pasadena Memorial) lead the team with 12 wins each, with Vordenbaum leading the staff with a 1.10 ERA.
Brenham High School graduate Kaci Federwisch has an 11-2 mark and 1.59 ERA in what has turned out to be a stellar freshman season. The former Cub standout has held her opponents to a .191 team batting average, while also leading the Bucs in complete games (12), shutouts (6) and saves (2).
Freshman Jocelyn Tacquard (Santa Fe) has compiled an 8-1 record with three shutouts in 50 innings pitched this season.
The Bucs next host San Jacinto for a 4 p.m. double-header today at Hohlt Park. The Bucs are a perfect 12-0 at home this year, and hold a one game lead over San Jacinto in the Region XIV South Zone standings.


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- AFB – Rounders
- In Defense of War of the Worlds
- Let Your Spider-Man Go
- I Respectully Disagree: Hugo
- Top 10 Films of 2011
- Retro Gaming Roundtable: Why are old video games worth discussing?
- Netflix Canada Guide – Imitation of Life
- I Respectully Disagree: The Texas Chainsaw Massacre
- Bechdel Test: How Women Are Really Presented in Film
- Movie Bet – The Avengers
In Defense of War of the Worlds
If I'm going to defend War of the Worlds I need to talk about all of it. And if you're reading a defense of War of the Worlds I have... -
Let Your Spider-Man Go
There's something we Spider-Man fans should accept. We all watched the latest trailer for the movie reboot, The Amazing Spider-Man, and searched for our Spider-Man. Our Spider-Man is the Spider-Man... -
I Respectully Disagree: Hugo
What follows is the second part of a collaboration with Mike McGranaghan of The Aisle Seat, in which we select a movie we disagree on and discuss our ideas thoughtfully... -
Top 10 Films of 2011
There are still many films for me to see from this year, but of the ones I did see, these were my picks. Mostly I hope the list helps you... -
Retro Gaming Roundtable: Why are old video games worth discussing?
The Retro Gaming Roundtable is a group of retro gamers who gather their written musings on a single topic bi-weekly. I am thankful to NintendoLegend for allowing me to join... -
I Respectully Disagree: The Texas Chainsaw Massacre
Reading film critic Mike McGranaghan's book I came across a chapter where Mike wrote, "we seem to have lost the ability to respectfully ponder other people's opinions." Instead of making...
Drive Review
2 Comments -
Real Steel Review
1 Comment -
The King of Kong: A Fistful of Quarters Review
No Comments -
Captain America: The First Avenger Review
1 Comment -
Transformers: Dark of the Moon Review
No Comments -
Green Lantern Review
1 Comment


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Marilyn Manson setting fire to the stage on The Jon Stewart Show, 22 June 1995.
This was the second-to-last episode; the show had been cancelled but had to return for two final weeks of shows. Things went just a bit off the rails. The bit at the end where Jon stomps out a still-burning bit of floor whilst Manson helps himself to a piggyback ride kills me.


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Large facility sits upon 30+ acres. There are 25 stalls, all day turnout (weather permitting), 2 outdoor rings, an indoor arena, and miles of trails. So there is really something for everyone in all weather. Also a profesional educated staff, with owner on site. Price list: Lessons/Training $45/hr or $160/mthly package Boarding $600 Training board (includes full board) Full (5-6 days weekly) $1100 Partial (2-3 days weekly) $900 Rehabilitation board (includes full board, daily walking or supervised exercise, medication adminstered, wraps, etc) $900 [please contact me for website address] email@example.com 860-985-7611 | |||
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From the Sierra Madre Library:
Learn how to download free eBooks to your Kindle, iPad, Nook and other e-devices this summer at the Library. The class will focus on how to download free books from our Overdrive service to your e-reader, and will include a demonstration followed by a hands-on practice. If possible, please bring your own e-reader to the class. Classes are free but registration is required.
Contact the Library for more details and a complete class schedule. The schedule is also posted on the Library website.


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March 25, 2009
(Taipei, Taiwan) Following its' announcement of the 32GB ultra capacity LuxMini 910, Silicon Power announces today, the performance packed LuxMini 920. Available from 8GB ~ 32 GB, the LuxMini 920 boast ultra transfer speeds, its maximum read speed is rated at 30MB/Sec while maximum write speed is rated at 20MB/Sec. The excellent transfer speeds provide second to non efficiency for users by dramatically reducing large file transfer times.
Data storage have evolved from the past of storing simple documents to nowadays, large file size multimedia contents such as high definition music, photo, videos, etc. Silicon Power recognizes users' needs for high capacity storage and fast transfer speeds, thus creating the ultra fast LuxMini 920. In addition to its mesmerizing read and write speeds, the LuxMini 920 is also equipped with Error Correcting Codes (ECC) and flash block Wear Leveling technology to significantly extend lifespan. The combination of all the technologies described above offer users extra stability, data storage reliability, superior transfer rate and massive storage capacity in an easy to carry form factor. Especially convenient for users that need to work on-the-go, LuxMini 920 make professionals (such as photographers) working with large multimedia files in the field that much more easy.
Besides its technology packed internals, the LuxMini 920 ID design utilizes curve line shapes at two ends for a smooth rounded look. Its specially treated surface is scratch-proof and fingerprint-proof. A worthwhile collectors' item, it is available in elegant black with fashion silver while the chequered pattern shows off its unique styling.
All Silicon Power products meet European RoHS compliance standards and come with lifetime warranty.
Product feature:
- High transfer speed
- Maximum 32GB storage space
- Specially treated surface for an elegant look
- Color: black and silver
- Plug and play compatible ~ does not require additional power
- LED status indicator light
- Compatible with USB 2.0 specifications
- In compliance with European RoHS standards
Product specifications:
- Capacity: 32GB/16GB/8GB
- Dimension: 72.4 mm x 17.4 mm x 10.0 mm
- Weight: 11 g
- Interface: USB1.1 and USB2.0 compatible
- Supported operating system: Windows Vista, WinXP, Win2000, / Mac OS 9.0 & higher, Linux 2.4.0
- Durability: tested for 10,000 plug-into and pull-out
- Operating temperature: 0°C ~ 70°C
- Storage temperature: -40°C ~ 85°C
- Lifetime warranty
About Silicon Power
Silicon Power Computer & Communications Inc., founded by a group of specialists with more than 20 years experience in the field of international trading, global marketing, technical know-how of flash data storage products, is the world's leading manufacturer of flash memory cards, USB flash drives, DRAMS, and card readers. We are also the initiator to offer Lifetime Warranty service both for the Flash Memory Card series and USB Flash Drive products. At the heart of Silicon Power, it exists a strong atmosphere of "Sharing, Caring, and of being Trustworthy." These are our finest commitments at the core. Recognized and supported in over 90 countries, Silicon Power provides fast, international lifetime service and superior products. Silicon Power makes a remarkable and successful achievement in the global community. The company is headquartered in Taipei and has established branches worldwide including the Netherlands and Japan.


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Join Now
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Upload photos, chat with photographers, win prizes and much more for free!
A second image from my visit to Dunfermline Abbey
Brand: | NIKON CORPORATION |
Camera: | Nikon D80 Check out Nikon Nation! |
Lens: | Nikkor 18-70mm f3.5-4.5G ED-IF AF-S DX Check out Nikon Nation! |
Recording media: | RAW (digital) |
Date Taken: | 24 Oct 2010 - 9:51 AM |
Focal Length: | 29mm |
Lens Max Aperture: | f/3.9 |
Aperture: | f/10.0 |
Shutter Speed: | 1/400sec |
Exposure Comp: | 0.0 |
Exposure Mode: | Program AE |
Metering Mode: | Multi-segment |
Flash: | No Flash |
Title: | Dunfermline Abbey by moonlight 2 |
Username: | PaulLiley |
Uploaded: | 18 Oct 2011 - 9:44 PM |
Tags: | Abbey, Architecture, Digitally manipulated, Dunfermline, Lowlight, Moon, Night |
VS Mode Rating |
99 (0% won) These stats show the percentage of wins and the rating score that your photo has achieved. You can go to the VS Mode by clicking on this icon. Signup to e2Signup to e2 to see which photo this has won or lost against in the vs mode |
Votes: | 23 |
This is just magical and almost quite mythical. just a fine piece of work. Jo
A winner Paul, it does look as if the moon and stars have been added, but is so it is a fantastic capture and process.
This is brilliant Paul.. almost christmas like, right up my street. Love the moon in this shot.
Well done mate
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Any suggestions or recommendations for multi-family weekend around Oxfordshire?!
(7 Posts)Registering is free, easy, and means you can join in the discussion, get discounts, win prizes and lots more. Register now
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Randi's back! | |||||
Except for some short time working outside yesterday we didn't do much at all. The heat is truly becoming almost unbearable. Today we thought surely we would have some rain and we did--but so little we could almost count the drops. We had some thunder for a while and the sky was very dark but no real rain. As I've said before I hate to wish for rain because I know how it works here in our state--no rain for a good while and then it pours--for another good while. Right now though there are cracks in the ground that we put our hands into so the crops really need watering. Bess gave us a little gadget to put at the end of our hose and it spreads the water out into the garden. It's a lot better than standing there with the hose trying to get water to all the plants. Of course the sprinkler has to be moved every few minutes but it still does a good job. Hopefully there will be enough rain soon so that we don't have to do either the hose or the sprinkler as much. Sid went to Lockport today leaving the Cottage around 7am. His first appointment was at 10:15 with the eye doctor. He had to take a couple of tests and that delayed him somewhat. Apparently the doctor sees something in one eye that he wants a specialist to view. There is a possibility of the beginnings of macular degeneration and he wants to get another doctor's opinion. He did say that it wasn't bad but it needs a follow-up anyway. He didn't leave the office until around 12:30 or so. After leaving the office he headed off to McD's to pick up food for Ty Rett and Channie which he brought to their house in Gheens. Jess came home a little early so Sid had a chance to visit briefly with her before going to his next appointment one with the dentist scheduled for 3:15. That went well and he picked up Randi for their return trip here. We had packed some onions to bring to Bec but apparently the heat got to them and they were soft and actually smelly by the time he went to Bec's. Those onions were perfect when we packed them last night so the only thing we can attribute that to is the heat. We'll have to try again next time I go in the RAV where the a/c really works. On their way back Sid went into L&N grocery in Thibodaux to pick up some ham cheese and baloney. We rarely buy cheese or baloney anywhere else. Ham I can sometimes find one that we like here at W/D or in Lockport at Rouse's. In any case we have our little supply for a few days. I plan to bring some cold cuts with us when we go to Alabama next week. Sid and Randi arrived here a little after 7pm; they had gotten hot dogs for supper at our favorite Dairy Inn in Napoleonville so I didn't have to prepare a meal for them. Jess sent along some refrigerated chicken/sausage gumbo and rice; she also sent some frozen shrimp/okra gumbo like she gave us the other day. Needless to say I was happy to see all of that food. It's delicious and I don't have to cook it! Tomorrow Sid goes to our local doctor just to get new presc Hope all of you are doing well; please keep Steve/Ann and their family in your prayers for a safe trip to Florida where Steve is attending a District Attorney convention/workshop and where they will also have a mini-vacation for the kids. That's it for tonight! QUOTE: "Each day comes bearing its own gifts. Untie the ribbons." --Ruth Ann Schabacker NOTE: Because this world always seems to be moving extremely fast we often to not take time to recognize the gifts that enter our lives each day. It could be a special person; it could be a job opportunity; it could be something as simple as a smile from someone that was unexpected. We need to look with our hearts at the people things and events that come into our lives each day. Look at each as a blessing and keep those ribbons to tie on gifts that we give to others. Be generous! |


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Libya: Animals at Tripoli Zoo neglected amidst fighting
Languishing in cages: A video from CNN highlighting the plight of the animals still locked in the Tripoli Zoo, where their care and basic necessities have been both neglected by many, and made generally unavailable. The images of visibly undernourished tigers and lions are unpleasant to see, as it is to reflect on the fate these animals could face unless they get help — presumably a slow death by hunger and dehydration. source
September 1, 2011 // 17:21 // 2 years ago


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IRVINE, Calif., Sept. 28, 2012 /PRNewswire/ -- Standard Pacific Corp. (SPF) will release its 2012 third quarter results after the market close of the NYSE on Thursday, October 25, 2012. In conjunction with the earnings release, the Company will host a conference call and broadcast a slide show and audio presentation over the internet on Friday, October 26, 2012, at 12:00 p.m. Eastern time.
What: |
Standard Pacific Corp. Conference Call and Webcast for |
2012 Third Quarter Results |
When: |
Friday, October 26, 2012 at 12:00 p.m. Eastern time |
Where: |
http://ir.standardpacifichomes.com click on the Webcast link. A replay of the presentation will be available by the end of the day and will be archived for 31 days. |
How: |
Live via the Internet log on to the above address. You may listen to the Webcast by using streaming audio or by using the following teleconference number: (888) 811-5448 (domestic) or (913) 905-3226 (international); Passcode: 8191394. A replay of the conference call will be available by dialing (888) 203-1112 (domestic) or (719) 457-0820 (international); Passcode: 8191394. |
Standard Pacific, one of the nation's largest homebuilders, has built more than 115,000 homes during its 47-year history. The Company constructs homes within a wide range of price and size targeting a broad range of homebuyers. Standard Pacific operates in many of the largest housing markets in the country with operations in major metropolitan areas in California, Florida, Arizona, the Carolinas, Texas and Colorado. For more information about the Company and its new home developments, please visit our website at: www.standardpacifichomes.com.
Jeff McCall, EVP & CFO (949) 789-1655, firstname.lastname@example.com
SOURCE Standard Pacific Corp.
Was about to add more SPF but just read from Motley Fool article:
"Young people with significant student loan debt are less able or willing to buy homes, hurting homebuilder Standard Pacific (NYSE: SPF) and its industry peers."
It's the only stock down for me today, so far. Any ideas?


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Jump up, Llquid, Dubstep and Jungle.Very Loud!
The Space Age Retro Caravan...
Savor traditional and contemporary tunes and beats from Honolulu to Havana, Rio to Timbuktu, Tarifa and lands beyond!
24/7 Hard Rock & Heavy Metal Radio - Now in 96 kbps!
Here you can listen to the best in Contemporary Christian Acappella music. Tune into the highest quality of sound presentation. The Church of Christ Radio Network is the Place to Belong. www.churchofchristradio.net
The latest additions by Philadelphia area composers
Debra Rowe's original chamber music and piano sketches. Tonal and user friendly!
Crave Radio
KDIX AM-1230 - Dickinson'
Smooth Jazz,Female Vocalists,Instrumentals
WBRS 100.1 FM Waltham
Stop Divorce Radio
Playing Christian + Catholic praise/worship + contemporary christian music.from Malta & the world.Currently playing Christmas playlist with Christmas Songs! More to come..
Glasshouse Radio


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Columbus Dispatch "Blue Jackets defenseman Fedor Tyutin said he "could have chosen his words a little better" when he spoke to a Russian reporter on Monday in defense of his friend, Colorado Avalanche goaltender Semyon Varlamov. Varlamov faces second-degree kidnapping (a felony) and third-degree assault..." November 06
Todd Richards said Fedor Tyutin left practice early w/a lower body injury. "Nothing major" but could miss opening weekend. #CBJ


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Conway Twitty
Conway Twitty
Legendary Idols
Original Release Date: 2008
Track Listing
1. Hello Darlin'
2. It' Only Make Believe
3. You've Never Been This Far Before
4. Fifteen Years Ago
5. She Needs Someone To Hold Her (When She Cries)
6. To See an Angel Cry
7. After All the Good is Gone
8. The Games That Daddiesplay
9. (Lying Here) With Linda On My Mind
10. Touch the Hand
11. As Soon As I Hang Up the Phone
12. Baby's Gone
13. (Lost Her Love) On Our Last Date
14. I've Hurt Her More Than She Loves Me
15. (I Can't Believe) She Gives It All To Me
16. I'll Try
17. Danny Boy
18. I Can't See Me Without You
19. I'm Not Through Loving You Yet
20. Don't Cry Jeni