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Alpha 5.5 Stable version Bugs
NoBlackThunder last edited by NoBlackThunder
Howdy People! Can we try to post all new bugs here ? =) just to combine everything in to a single post and make it easier to find for future reference. This here will also count as a known bugs list for the latest release. Thank you all!
some bugs i gathered so far ( i copy / pasted them from other post) :
1.Tooltip hanging on screen is still here. (this is a pretty known bug)
2.Sometimes not able to see other people. Was standing in front of a friend and he couldn't see me (world border related?)
3.Animal carcasses de-spawning before you can pick them up. Two rabbits I killed de-spawned before I could grab the carcass.
4.Sliding. I keep noticing that often when I let up off the movement key that my avatar will slide a bit in a random direction. Edit: I've figured out what's causing it. If you stand alongside a surface as a wall or elevated ground and face it at sort of an angle then tap forward it will slide you along a bit.
5.Sometimes when I try to open a container it will open and then immediately close. Happens a few times before I can finally open it.
ref for above bugs : http://ecoforum.strangeloopgames.com/topic/1986/bugs-i-ve-noticed-in-5-5
I have seen also some one complaining that stairs are not working. Can some one confirm this ?
Kampfkarnickel last edited by
I took away some earth with the shovel under a wooden log from my house and the log disapeared that happened often
fireboss4 last edited by
Sometimes on login to server, you have to login 3-7 times before it lets you in finally. It crashes during the loading of things after you can walk around in the world.
Shade132 last edited by
I'm running it on my mid-2014 MacBook.
Whenever I try to go underwater, the picture freezes. By that, I mean I am able to move around, I can see my inventory and can tell my avatar is moving based on the coordinates but the visuals don't update. I see the horizon until I jump back out. It was working fine in version 5.4 and I often mined underwater. Now I am not able to do that.
MGrand3 last edited by MGrand3
#2 is likely world border related, yes
Stairs not working is only with clambering turned off I believe.
As for new bugs:
#1 Logs on the ground disappear when walking over a world border. Doesn't seem to happen instantly, but if I bring 10 logs back across the border to my base and I come back, the log is gone, this has happened several times now. I believe this was an issue in 5.4 as well.
#2 If you jump into/hug a wall, maybe specifically not full blocks such as glass, doors, brick walls, you can some times end up "superjumping" up them, regardless of height, and landing on top. Was definitely in 5.4 as well. To recreate, place a door and run into the outer edge of it so there's nothing above you. Should send you flying a few blocks up.
#3 I've some times managed to replace certain blocks, specifically stone and dirt walls/floor in my houses with whatever block I have in my hand when placing them by mistake/in the wrong place. The block it replaces seems to disappear, though unable to recreate to test.
#4 When you've felled a tree, cutting up the logs seems to make them move a lot more than usual, leading to more grass being turned to dirt, not sure if this is intended.
#5 The Calorie Efficiency skill shows "Current Level 0 (Next Level 0)" for the upgrade. The actual upgrade is a decimal value, so I'm assuming that's just rounding it somehow? Should be a simple fix.
Will add more as I find them.
Karellen last edited by
Is there a change log for 5.5 - doesn't seem to work using mono on linux anymore and thought that might give some reasons why
@Karellen I haven't seen a proper changelog yet, but if you read through the Discord there was someone with the same issue earlier. Not sure what became of that but might be worth a shot.
rentechd last edited by
Stairs "not working". When i try to go up some (usually between two walls) I can't get up unless I jump and have clamber on. If I just try to walk up them, with clambering off, I get the sound of footfalls but don't go up almost like I am sticking to the wall. I get up them by the jumping/clambering. Once up i can come down normally.
Kampfkarnickel last edited by
Asphalt Ramps are 2 Blocks wide in the http::3001 Map but ingame they are 4 blocks wide... so on the website the streets are broken but ingame they look fine
Yes stairs do not work in version 5.5. I think the stepheight have gotten to low or something. I have to jump to climb stairs, which is very counter productive.
Alderone last edited by Alderone
Regarding the Stairs topic. I have noticed that in 5.5 you can no longger make a running 2 block high jump. You no longer do this in 5.5 because the client slides down instead of making that last little push up. Could it be that the client character is now shorter then they once were.
All the issues with slopes and stairs can be fixed by going into your options (doubletap esc when ingame, or once on the menu I think) and enabling "clambering". The feature is currently buggy, but might become default in the future. You can also walk straight up one block slopes without jumping with this enabled.
When killing a fox and trying to harvest the carcass you get the message "The carcass has already been harvested."
@MGrand3 Yea but shouldn't stairs be working regardless if clambering is enabled or not. Some people might not want clambering enabled and prefer jumping.
@thathg Indeed, they are already aware of that. Figured I'd just point out the fix for now.
@MGrand3 Ok, thanks anyway
Garandster last edited by
When I load into the server sometimes I end up stuck in the ground as if I am standing on the block one lower than I should be on. Unstuck resolves it so it is not really a major bug.
@Garandster I think I've had this happen when standing on roads, might be something to do with those, or maybe just standing in a gap between two blocks or something. Worth writing down though.
Bug: Attempting to select a different tool when carrying something gives a notification which has an unnecessary s at the end of the items.
#1 Rare crash when trying to combine item stacks of the same type or splitting stacks (shift-click and drag from the new window).
Has happened both between hotbar and backpack, internally in backpack, and in other inventories such as chests.
#2 Also, the crashlog you get (refer to above picture) can't be scrolled and is often partially outside its frame. Perhaps writing these to file would be useful as well.


text: For a sophomore, he's [Matthew Stafford] got great potential. He had a great game against us, that's for sure. He's one of the best young quarterbacks I've ever seen in Texas. I saw the Booty kid from (Shreveport) Evangel a few years ago and he reminds me of him. He's got good size, he can make all the throws and he has great poise. He's just got unbelievable poise. Chris Vallery American Coach More Chris Vallery Quotes 0

subset: commoncrawl


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A year ago, the 100 bolivar banknote you see here on your left – Venezuela's highest denominated, mind you – would buy you 92.6 U.S. cents on the parallel market.
By last Wednesday, that note was worth less.
By then, it could buy you just 49 and a half U.S. cents: 46.5% fewer cents, over the space one year.
Today, that same crisp bill is worth less.
As of yesterday, someone would trade you just 37.9 U.S. cents for it.
That's 23.5% less, in a single week.
If that doesn't give you a case of exchange rate vertigo, consider this: at the rate the bolivar has been losing value over the last week, by March 2016 one U.S. dollar will cost 12.4 million bolivars on the parallel market.
For the old-timers, that's 12 millardos de los viejos.
That's an extrapolation, not a forecast.
Still, the takeaway is clear: Venezuelans' willingness to own bolivars appears to be eroding at an accelerating rate.
And that is…not good news.Caracas Chronicles is 100% reader-supported. Support independent Venezuelan journalism by making a donation.


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HAHA HEEHEE: Since we've passed the 12 days of Christmas, it's time for something even better: 18 days of comedy! The 9th Annual SF Sketchfest is here with Weird Al, Monty Python, The Upright Citizens Brigade, and the now controversial Conan O'Brien. Check the line-up for dates, times and locations.
NIGHTLIFE: The California Academy of the Sciences has plenty of one-night-only events at the first Nightlife of 2010. With the Un-Scripted Theater Company, planetarium shows and DJ Michael Anthony, this socially scientific night will be an evening to remember.
HOW TO STEAL A MILLION: It's quite hilarious that the SFMOMA would screen a movie about a grand museum heist, but when Audrey Hepburn is involved anything goes. Watch How To Steal a Million at the Phyllis Wattis Theater tonight at 7 p.m. [funcheapSF]


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Wherever you are now we can help you get to where you want to be. The road between here to there can be better for those who know the way. CPR stands for Complete Planning Review and it covers important items that may affect your financial security such as: outlining your goals and expectations, what investments make sense, and where we will take the needed income. Now more than ever, you need to rethink your strategy on how you navigate your investments between risk and reward. That's what we do: we provide financial advice for successful people who want to grow and protect their money. Our reputation is built on a long track record of working with people who like to succeed -- people like you. Our process is sound and solid: we define your goals, review your assets, analyze your needs, provide recommendations, implement execution, monitor track your progress, and make any adjustments as warranted.
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Hal Habib and CineSport's Noah Coslov take a look at the Dolphins' fading playoff hopes, which Miami offense will show up Sunday and what the defense needs to do to stop the Chargers.
Get the video and Hal's game prediction after the jump:
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If the Dolphins couldn't beat the worst team in the league Monday night, what reason is there to pick them against a team that has beaten the Eagles, Cowboys and Colts? The NFL is loony, but not that loony. I think. Chargers, 28-24.


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Filters: Keyword is physics and Author is White, E. M. H. [Clear All Filters]
"Feedstock powder processing research needs for additive manufacturing development", Materials Science, vol. 22, pp. 8-15, 2018.,
"Novel mechanisms for solid-state processing and grain growth with microstructure alignment in alnico-8 based permanent magnets", Aip Advances, vol. 8, p. 056206, 2018.,
"Development of controlled solid-state alignment for alnico permanent magnets in near-final shape", Aip Advances, vol. 7, p. 056209, 2017.,
"Net Shape Processing of Alnico Magnets by Additive Manufacturing", Ieee Transactions on Magnetics, vol. 53, p. 2101606, 2017.,


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Connecticut tailback Lyle McCombs found out he would start against Fordham during warm-ups on Saturday, after it became apparent senior D.J. Shoemate had not fully recovered from a sprained ankle suffered earlier in the week during practice.
McCombs made the most of his opportunity.
The redshirt freshman rushed 24 times for 141 yards and four touchdowns, two in each half, leading the Huskies to a 35-3 rout of FCS foe Fordham.
"D.J.'s a little banged up, so we just pretty much saved him, because we are going to need our full running-back corps the rest of the season," McCombs said. "He said basically, `Hey, this is your day, so make the most of it.' He's happy for me."
UConn ran up 434 yards on offense and held Fordham to just 169 yards, while using all three quarterbacks who came into the game competing for the starting job.
"I thought it was a good start for us today," said UConn head coach Paul Pasqualoni, who was coaching his first college game since leaving Syracuse in 2004. "Overall I thought our offensive line dominated and I thought our defensive line dominated. I thought we dominated up front, but we were expected to."
UConn gave up just one big play, a 58-yard pass in the third quarter from freshman Peter Maetzold to Brian Wetzel that set up a 28-yard field goal, Fordham's only score.
"This is the best team we're going to play all year," said Maetzold. "We fought; we fought every play, and I think we know we can do it when it comes time for Patriot League games."
Junior Johnny McEntee started at quarterback for Connecticut, completing 8 of 12 passes for 113 yards. Freshman Mike Nebrich threw for 60 yards and redshirt freshman Scott McCummings spelled both of them, giving UConn an option-style change of pace. He threw just one pass, but it was a 55-yard touchdown strike to tight end Ryan Griffin in the second quarter that gave UConn a 21-0 lead. He also ran for 23 yards.
"You'd think it would be hard for us to keep a rhythm, but it's actually kind of fun," said McEntee. "I'm running in, he's running out, it kind of makes the game more exciting for us."
But it was McCombs who provided the bulk of the excitement. He had 122 yards rushing and a pair of 2-yard touchdown runs in the first half. His first capped a 58-yard first-quarter drive that was set up by a 24-yard pass from McEntee to Isiah Moore.
McCombs set up his second score himself with a 60-yard run off the left side. He also scored on a 5-yard pitchout and a 1-yard run up the middle in the third quarter.
"All it was was making the most of an opportunity," he said. "The coaches were pretty much calling running-back favored plays on the goal line, so I pretty much knew it was coming."
An interception by Byron Jones off a Sio Moore tip led to the scoring strike from McCummings to Griffin on the very next play, after the defense bit on a play-action fake. Griffin caught three balls for 97 yards and that score.
Maetzold was 12-of-25 for 149 yards with an interception for Fordham. But sophomore Griffin Murphy also played, occasionally lining up next to Maetzold as a halfback. He ran the ball six times for 17 yards and also threw an incomplete pass on an option play.
UConn kicker Dave Teggart tied the school's scoring record on his fifth extra point of the game, giving him 259 points in his career.
The game was originally scheduled for Thursday, but was pushed back two days because the stadium was being used by the National Guard as a staging area to distribute supplies to those left without power in the wake of Tropical Storm Irene.
Fordham, which was 5-6 a year ago, was playing its first major-college opponent since facing Syracuse in 1954. It had played the Huskies one other time, back in 1915, when it beat UConn 35-0.
Fordham began offering football scholarships last year and is not allowed to play for the championship of the Patriot League, in which schools are allowed to give aid only for financial need.
Fordham can still make the FCS playoffs, but only by earning an at-large bid.
"If we compete this hard and play this hard all year, I like our football team," said Fordham coach Tom Masella.
Pasqualoni, a Cheshire native, spent the last six seasons in the NFL with the Miami Dolphins and Dallas Cowboys. He is now tied for the most wins by any Big East coach with 108. He was 107-59-1 during his 14 years with the Orange.
"I honestly could not tell you the number of wins," Pasqualoni said. "For me and for the coaches it's the opportunity to get the kids prepared to play a Division I football game, which is a hard thing to win, a hard thing to prepare for."
It gets a bit harder next week, when the Huskies visit Vanderbilt.


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This Dance Video is Better Than Prancercising
This "big-boned" Russian man in a Speedo dancercising his heart out whilst on vacay makes me happier than seeing Ryan Lochte in Speedo. Well, almost.
(Watch the whole thing as he really gets going toward the end.)
Now THOSE are some MOVES, people! And I think Ana Kasparian of The Young Turks (#GirlCrush) nails it with her all-inclusive resort analysis.
It kinda' reminds me of the time I entered a dance contest (read: was forced by my Dance Moms mother while on family vacay in Turks and Caicos), did the entire Single Ladies routine (IN A BIKINI), and did NOT win.
However, as the only white girl in the contest, I was at a disadvantage as the other ladies (two of them are in the pink and blue on the left) had much larger (and louder) posses than my modest crew of my mom, dad, and brother. But did they even have routines prepared? Not unless you call strutting around haphazardly and shaking your ass a routine.
Not that I'm still bitter or anything.
Beyonce Ashley


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Here are a few things we almost all the time forget to do in our day to day lives. If you do relate in this same boat.. Do come On Board with us by Liking our post and Comment below if you think we have missed much more sensible things that you do.
How many of us..
- Have walked into a room and forgot what you came in for and then start saying ABCDEFGHIJKL… to remember?
- Called someone and forget what you wanted to say?
- Hid something from someone and forget it yourself?
- Forget your own phone number at least for a second when someone asks?
- Forget the name of your friend and never call them by their name at that moment out of embarrassment and act guilty friendly and later ask your other friends or refer facebook?
- Take your mobile and go blank on who you wanna call? and then start saying ABCDEFGH…
- Make a wrong phone call and start haphazardly talking to a stranger without realizing you are doing so until the stranger gives you a time out! ?
- Forget that you are wearing your glasses and start looking for them?
- Save eatables in refrigerator for later and forget about it? It's been quite some now may be you should go check.
- Open refrigerator and forget what you wanted to pick?
- Forget to brush your teeth at times thinking you have already brushed? Or go brush again thinking you did not?
- Forget to say grace before food and later in between say a superfast grace and also realize you already said grace and eat confusingly. Amen.
- Call a cab and forget the destination name for a moment there? ummm…
- Forget your password and create new password then it prompts your new password cannot be same as old password.
Right Steve!
Until Next Time.


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Let Your Garden Blossom
Beating Challenges as a Novice Gardener
One of the biggest challenges for any gardener, from the first-time to the most experienced, is protecting your garden from outbreaks of pests or disease. There are many common fungi, bacterias and infestations that you need to be careful of. Most are easily preventable – consider a good quality spray or a Wasp Killer Foam for a low maintenance solution that will keep your plants healthy. If you're keeping your garden organic, ensure that you're aware of the ingredients in the products you use. For many issues there is an organic, natural solution that will still keep your plants safe.
Designing the Perfect Garden Landscape
There is just something about watching seeds grow and sprout into beautiful flowers that provide us with a sense of accomplishment. If you want to experience that, you can easily begin by creating your own garden and taking good care of it. A well-designed garden will give you and your family something beautiful to experience together.
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How to Create a More Appealing Garden
When it comes to gardening, there are some rules that you have to follow in order to maintain your garden in a good shape. Having a garden is not an easy job, it requires a lot of time and attention from you. Otherwise, if you are not paying enough attention to the garden, nothing will […]
Organic Gardening And Flower Selection
Everyone loves the splash of color that flowers provide, but the new organic gardener often has questions about the type of flowers that are best for a chemical-free environment. The best approach is to concentrate on those flowers that grow best in your particular climate. For instance, it would be a mistake to try to […]
Tulip Hybridization
Tulips are one of the most highly hybridized flowers available on the commercial market, and this has led to an almost endless array of colors and shapes in this popular bulb flower. As with any type of cross-breeding, the successful hybridization of tulips requires an extensive knowledge of such things as the color, flowering period, […]
How to Start a Home Vegetable Garden
Nowadays, a lot of people are starting to get interested in the gardening hobby and that is a great thing because the community needs to grow. The more people we have in the gardening community, the newer things we can find out each day just by sharing our personal experience with each other. If you […]


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Floyd Mayweather has bought his girlfriend a $550,000 Rolls Royce "just because he felt like it".
TMZ reports they spoke with Floyd's car guy Obi Okeke from DoctorBugatti who tells them Floyd hit him up last Thursday and ordered up a white 2016 Rolls-Royce Phantom Drophead Coupe as a gift for his lady Bad Medina. Okeke says the ride was delivered to Bad Medina on Saturday -- and obviously, she loves it.
"This is the 4th car Floyd has bought for her in less than two years from me. She has 3 Rolls-Royce Ghosts and now the 2016 Rolls-Royce Phantom drop."
See photos after the cut...


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Dungeon Prompts: Friendship
This week's prompt is: Friendship
"When we honestly ask ourselves which person in our lives means the most to us, we often find that it is those who, instead of giving advice, solutions, or cures, have chosen rather to share our pain and touch our wounds with a warm and tender hand."
– Henri Nouwen
"A true friend never gets in your way unless you happen to be going down."
– Arnold H. Glasow
"Friendship is unnecessary, like philosophy, like art… It has no survival value; rather it is one of those things that give value to survival."
– C. S. Lewis
Are friends the only ones that will stand by us no matter what, or are friends the ones who will tell us clearly when we are in the wrong? Friendship takes a lot of forms and means different things to different people. What does it mean to you?
Suggested Prompts:
*When did you know that someone was truly a friend? Are you a good friend to others? Do you like to have many friends or do you tend to only allow a couple of people to get close to you? What do you expect from your friends? How has what you've needed from your friends changed from when you were a child to your present experience? Do you expect your friends to meet the same standards that you set for yourself? Do friends expect more from you than you are willing to give? Is there a selfish aspect to friendship? What does friendship mean to you?
*Write a short story, poem, or share a picture or song that talks about friendship.
*Any inspired offering that somehow relates to the idea of a friend.
Dungeon Prompts are meant to open up the abandoned rooms inside ourselves and dust them off a bit. Explore the recesses of your mind and get back with a poem, story, essay or creative offering. Link your post to this specific prompt page and I'll share your link back with our readers.
To participate, all you'll need to do is:
1. Tag your post with: "DungeonPrompts"
2. Link back to this page in the body of your post *
3. Dive deep within and give us a glimpse of your soul!**
*note: If the pingback doesn't work, then please leave the link to your post in the comment section.
**If you don't have a blog please feel free to join the discussion in the comment section.
This week's contributors are:
Ottava Rima, You – Bastet and Sekhmet's Library
Friendship – Let There Be Peace On Earth
From Friendship to Astrophysics – SplitSpeak
Blended Souls – Dream Cloud Diaries
A Vow of Friendship – Traces of the Soul
Precious Friendships – Stop the Stigma with Cher Shares
Round One: Approval vs Support – Marsnplato
The Little Old Lady that Lived – Traces of the Soul
Friendship – Writing Works in Progress
Please, also check out last week's offerings on Peace
Through the eyes of a 12 year old – Follow Your Shadow
Do you know Peace? – Emotion at Peek
Peace of Mind – Traces of the Soul
Somehow, this makes sense – MathaOstout
What is Peace? – Stop the Stigma with Cher Shares
Achieve Peace Within Yourself – Life As it is
Bricks and Stones – The Arkside of Thought
The Horizon of Peace – The Arkside of Thought
Quatern: Peace – Bastet and Sekhmet's Library
A Friend Should Be – MarthaOstout
Featured photo from Vivek Subramoniam


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Mortgage lenders would receive greater credit for lowering payments on loans for troubled homeowners who have more equity in their properties than for providing relief to borrowers with less equity, under the terms of a proposed $25 billion settlement between the nation's five largest banks, attorneys general in nearly every state, and the Obama administration, according to a partial draft of the settlement reviewed by The Huffington Post.
(UPDATE: This story has been updated to reflect conversations with senior Obama administration officials.)
Senior administration officials, who spoke on condition they not be named, portrayed this incentive structure as beneficial to distressed homeowners, not least to the most deeply underwater borrowers - those who owe banks far more than their homes are worth. The mere fact that the settlement includes assistance to homeowners whose properties are well underwater provides assurance that banks will not overlook the most high-risk cases, the officials said.
Under the formula governing the settlement, helping borrowers with severely underwater loans will sometimes earn banks more credit than when they provide relief to borrowers who own more equity, the officials added.
The proposed deal would exempt mortgage companies from applicable civil fines on illegal foreclosure practices for up to one percent of all of their loans, according to the draft. A senior administration official said a monitoring committee tasked with overseeing the settlement would hold mortgage lenders accountable for all such instances, while requiring remedies.
But some consumer advocates familiar with the terms expressed disappointment, asserting that it lacks assurances that severely underwater borrowers would receive broad relief.
Roughly one in five American mortgages are now underwater. Housing experts have urged the Obama administration to craft a settlement that would write down outstanding loan balances on properties with high loan-to-value ratios, meaning those for which the borrower owes much more than the house is worth. Otherwise, they warn, large numbers of borrowers will have no incentive to continue making payments and simply relinquish homes to lenders.
"To really make a difference in the housing crisis, you have to assist high [loan-to-value] homeowners," said Diane Thompson, an attorney at the National Consumer Law Center. "Otherwise, at some point, they're all going to walk away from their homes."
Administration officials maintained that the incentive structure in the current version of the settlement would motivate banks to reach these high loan-to-value borrowers.
"Given that borrowers who are most severely underwater have higher rates of defaulting on their mortgages, those loans are worth less to the banks who are already assuming the borrower will default," said one official. "Why should we overpay by giving banks a larger incentive than necessary?"
Some consumer advocates agree with that logic. The Center for Responsible Lending, a nonprofit organization that advocates for fair lending standards, supports the deal. In a statement released last week, the Center called the proposed terms "a significant reform of mortgage servicing," adding that it would "provide an important template for ways banks can use principal reduction to reduce unnecessary foreclosures and put the country back on a path to economic recovery."
The banks have long resisted calls to forgive large portions of loan balances and have been unwilling to absorb losses. The current settlement terms appear to satisfy the banks on this point, some observers said, minimizing the pressure to hand out relief to severely underwater borrowers.
"That's in some sense what the banks wanted," said Thompson, calling the proposed terms "the price of getting the deal done."
The settlement aims to help underwater homeowners by requiring banks to lower these borrowers' payments -- by reducing interest rates on their loans, enabling them to refinance or by cutting their principal amount.
Under this proposal, the banks would collectively pledge to provide roughly $25 billion toward helping troubled homeowners. But the banks would receive greater credit toward satisfying the terms of the deal when they help borrowers who owe less than 175 percent of the value of their homes. Helping borrowers who owe more than 175 percent would qualify for less credit, according to the draft of the proposed settlement.
The settlement is expected to be announced by the White House sometime next week. The Obama administration has given state attorneys general until Monday to sign on to the deal, according to state officials who spoke on condition they not be named.
The settlement on the table is the product of more than a year of talks, a complex set of negotiations aimed at settling claims of wrongful foreclosure and other abuses by five major financial institutions -- Bank of America, JPMorgan Chase, Citigroup, Wells Fargo and Ally Financial -- in the so-called robo-signing scandal. Banks have faced widespread accusations that they employed law firms that forged required signatures on millions of loan documents, resulting in wrongful foreclosures.
The Obama administration, confronting accusations that it has failed to pursue justice against the institutions responsible for a national foreclosure crisis, has been eager to secure a grand, headline-capturing deal involving every state and all the biggest lenders. But some key states -- not least California -- remain hesitant to sign on, arguing that the deal would hand out too much forgiveness in exchange for too little benefit for distressed homeowners.
The provision exempting banks on fines for illegal foreclosure practices on up to 1 percent of their mortgages is accompanied by a mechanism that would enable states to continue to prosecute such instances.
Under the draft seen by the HuffPost, states whose residents appear to be victims of illegal foreclosures could take such cases to a committee headed by North Carolina's banking commissioner, Joseph Smith. The committee would rule on whether the foreclosure was illegal, requiring the bank to fix any problems. Banks would be immune to civil fines for up to 1 percent of their loans.
Consumer advocates expressed concerns about that mechanism.
"Having an allowable erroneous foreclosure rate makes practical sense," said Melissa Huelsman, a Seattle attorney who represents homeowners in foreclosure cases. "But I don't like that the appeal has to go through a committee. With these bureaucratic committees, it can take months and months to get anything done. Meantime, what happens to the homeowners being harmed?"
Senior administration officials expressed confidence that the mechanism would prove effective.
"The monitor will immediately bring any and all erroneous foreclosures to servicers, who must resolve them immediately," said one official. "The margin of error that we allow is only to make sure that if there is some sort of systemic failure in that process, we can flag it and distinguish it and correct it."


text: Are there already certified divers among the staff? Perhaps there is a desire to upgrade their knowledge and diving skills to a higher level? We can train already certified members of the staff to new, higher PADI certification levels – from Open Water Diver to Rescue Diver, Dive Master and Instructor or in any chosen specialty certification.


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Mana Dallas Tickets
Maná is a multiplatinum selling group that is often considered one of the most influential names in the world of rock music by the critics. Over the years, the group has played sold out shows across the globe, won multiple Latin Grammy Awards and even worked with celebrated artists like Ruben Blades, Carlos Santana, Shakira and Prince Royce. They have recorded nine studio records so far out of which '¿Dónde Jugarán Los Niños?' elevated their status to superstardom as it was certified twelve times platinum by the RIAA. Now you can watch the band live in concert as they are all set to embark on their, 'Latino Power Tour.' Catch them live by booking your Mana Dallas TX tickets.
Mexican music has slowly started to gain mainstream popularity because of the contributions made by artists like Enrique Iglesias, Juan Gabriel and Julion Alvarez. Among those names is Maná whom the critics consider as one of the most influential Spanish rock groups. They have sold over forty million albums globally and were also inducted into the Hollywood Walk of Fame in 2016.
Rocking the world
Maná kicked off their career by recording their debut self-titled album which came out in 1987. The album was not met with any commercial success. However, the group soon broke into mainstream rock music with the release of their third effort, '¿Dónde Jugarán Los Niños?' which sold over ten million copies globally and became the best selling Spanish rock album of all-time. The record was charted the second spot on the Latin Pop Albums and was certified twelve times platinum by the RIAA. The album also got rave reviews from the critics as AllMusic gave it three and a half stars out of five.
Topping the charts
Maná's career began to skyrocket after 1992, as the group went on to release five albums that consecutively landed at the first position on the Billboard Top Latin Albums including their latest 'Cama Incendiada.' The effort reached the markets in 2015 and was certified platinum in the US. It featured a single, Mi Verdad which won them a Latin Billboard Music Award. The group is now embarking on, 'Latino Power Tour' and will soon be performing at the American Airlines Center. Catch them live in concert by getting Mana Dallas TX tickets.
Other Concerts in DALLAS
- Buy Aventura, American Airlines Center Tickets for 02/13 08:00 PM American Airlines Center, Dallas, TXAventura, American Airlines Center, 13 February
- Buy Lila Downs, Winspear Opera House Tickets for 03/07 08:00 PM Winspear Opera House, Dallas, TXLila Downs, Winspear Opera House, 7 March
Q:Where's the cheapest place to buy mana dallas concert tickets?
A:You can easily get cheap Mana Dallas Tx Tickets at our website. Simply visit the relevant event page on our website and browse the prices of available tickets. As you will notice, ticket prices vary over a large range, so simply select the ones which most suit your budget requirements. You can also avail our various discount packages and special offers to get the best possible price for your tickets.
Q:How will you deliver my Mana Dallas Tickets?
A:Your Mana Dallas Tx Tickets will be delivered to you via FedEx, which is one of the best courier companies in the world. Orders are placed as soon as we get them and you can rest assured that your tickets will be delivered to you well within time for the event.


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How the BYOD trend is changing IT: A #CoITchat recap
Participants in this month's #CoITchat tweet chat debated how to secure and support personal smartphones and tablets in the enterprise.
The BYOD trend is a hot topic in IT, but that doesn't mean there's agreement on how to support and secure personal mobile devices.
More on the BYOD trend
Defining and enforcing a successful BYOD policy
BYOD security perception vs. reality
Several debates about bring your own device (BYOD) came to the surface during this month's SearchConsumerization.com #CoITchat tweet chat. More than two dozen IT pros, analysts and others participated, and nearly everyone said the BYOD trend is here to stay. But that's about where the agreement and clarity ended.
Our introductory question, "Does your company support BYOD?" led to a discussion on what "support" means. (Hint: It's not the same as "allow.")
@searchcoit A1. Nearly all mobiles allowed but services differ - we support the IT services not the device (laptops still corp) #CoITchat— Oliver Parvin (@Olly1977) April 16, 2013
@searchcoit What the company allows access versus what they support? Organizations still struggle to avoid crossing into support. #coitchat— Eric Beehler (@cstechcast) April 16, 2013
Those companies thinking they can allow but not support #BYOD are very naive! #CoITchat— Jack Gold (@jckgld) April 16, 2013
In response to our next question, "Is BYOD a fad or is it here to stay?" another question came up: What exactly does the term "BYOD" refer to?
A2: BYOD is nofad, but is an overused term often used interchangeably with consumerization. People will get fatigued by the term #coitchat— Ben Goodman (@benontech) April 16, 2013
A2. BYOD isn't a fad, but in reality it is an ownership issue, nothing more or less #CoITchat— Brian Katz (@bmkatz) April 16, 2013
Another goal of the #CoITchat is to perform a reality check and find out how the BYOD trend and other consumer technologies affect IT departments. To that end, we asked, "How has BYOD changed your approach to security?" As expected, answers varied widely:
A3: BYOD can improve approach to security by getting IT to think about where data is, where it goes, who should have access. #CoITchat— Stephen Cobb (@zcobb) April 16, 2013
A3. FOr most people it hasn't changed their approach yet, only led to an examination of their approach #CoITchat— Brian Katz (@bmkatz) April 16, 2013
A3. Ourselves and many of our customers are moving to a "Zero Trust" model which assumes no endpint is secure or can be trusted #coitchat— Ben Goodman (@benontech) April 16, 2013
A popular security topic is the use of containers to segregate and protect corporate data and applications, and the chat ended with a discussion of that technology. Some were in favor:
In a BYOD world, devices can be trusted if you use a container.#CoITchat— Amit Bajaj (@_amitsbajaj) April 16, 2013
While others had reservations:
Containers violate the reason why user picked a device - loses the whole user experience. not very popular with users. #CoITchat— Jack Gold (@jckgld) April 16, 2013
Check SearchConsumerization.com in early May for details on next month's #CoITchat.


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Several years ago, professional web design in Malaysia wasn't popular. This is because there was not yet much emphasis on good web design for business websites and online shops. With not many advanced design tools to play around with, everyone could make money from average-looking sites.
But with the advancement of technology, more and more local businesses are opting for professional website design in Malaysia to upgrade their websites from bland-looking to beautiful and user-friendly. Why is this so? What can website design Malaysia companies offer for your e-commerce site?
With the increasing incidence of fraud and online scams, virtual shoppers have become more fussy and choosy about the online stores that they transact with. Everyone wants to buy from credible vendors who are offering high quality products and services. This is where expert web design in Malaysia comes in.
A highly proficient Malaysia website design company can build a website that integrates security and make online shopping a safe experience. With this, you'll be able to create trust between you and your clients. When clients trust your brand, they will stay loyal and may make multiple purchases.
This and more are achieved using expert web design in Malaysia. If you have a professional-looking website, your business will send clients the message that you are serious in presenting them with the best products and services.
For Internet users to easily find your website, you need to have a high search engine ranking. This is only possible by employing techniques, which professional web design in Malaysia can bring to your website.
Through content development, speed optimization, keyword research, meta tag generation, and other methods, the web designing Malaysia company can create a more search engine-friendly e-commerce site.
Aside from search engine optimization, user experience can be improved by working on the layout and the loading time. If the website is simple yet elegant and easy to navigate, visitors will be encouraged to stay and check out your products. Bear in mind that most online shoppers are impatient by nature, so the secret to make them stay in your site is a quick loading time combined with good navigation.
As the World Wide Web matures, users have seen just about every gimmick and design trick that e-commerce sites have employed. As such, the challenge is to make yourself stand out amongst the sea of amateur-looking e-commerce websites.
Through professional web design in Malaysia, your e-commerce site will be designed in such a way that it produces great impact, which in turn will aid in visitor retention. Good graphic design coupled with enhanced usability is a surefire way to attract users and keep them glued to your website.
In order to stand out, design your logo in a way that commands good recall. You should also pick a pleasant color scheme that is easy on the eyes. Do not pick highly contrasting colors that may cause eyestrain. For instance, a black background with red or white text will keep your visitors from checking out your website in its entirety.
Now that you know what professional website design can do for you e-commerce site, it's time to get moving and get your business site design upgraded!
Online marketing and web design is our expertise, and we'll be happy to accommodate your needs. If you're interested, you may fill up the form below or contact us at 03-9078 2868 or 019-368 6868.
Return from The Importance of Professional Web Design in Malaysia for E-commerce Sites to Web Designer in Malaysia
Return from The Importance of Professional Web Design in Malaysia for E-commerce Sites to Doing Business in Malaysia


text: 29th Jun 10:41 AMD has filed an antitrust complaint against Intel in U.S. federal district court, accusing the company of unlawfully maintaining a monopoly in the x86 microprocessor market by shunting customers away from AMD. AMD said in a statement it has pinpointed 38 companies that have been victims of coercion by Intel, including Dell, Sony, Toshiba, Gateway and Hitachi. The chipmaker argued that Intel paid companies like Dell and Toshiba not to do business with AMD, and paid Sony millions for exclusivity. AMD claims its share of Sony's business went from 23 percent in 2002 to 8 percent in 2003, to zero percent today. Intel was not immediately available to comment on the suit. The most popular type of chip architecture for so-called volume servers, x86 microprocessors run the Microsoft Windows, Solaris and Linux families of operating systems. "Intel's share of this market currently counts for about 80 percent of worldwide sales by unit volume and 90 percent by revenue, giving it entrenched monopoly ownership and super-dominant market power," AMD said in a statement. AMD has traditionally run No. 2 to top chipmaker Intel. The company has been praised for its superior 64-bit architecture but that won't necessarily help it win back enough market share from Intel to level the playing field. Redmonk analyst James Governor said that while antitrust regulation tends to be weak around the globe, AMD's allegations could be an interesting instrument to slow down Intel. "If you're AMD and you're riding along on a bicycle and Intel is riding along on a motorbike and you've got a stick or a crowbar, you might as well try and throw it into the wheels," Governor said. "Certainly AMD is keen to ensure that it is negotiating on a level playing field." On the flipside, Governor said: "Intel will not appreciate antitrust scrutiny. Any business is going to find that a real drag. Look at the levels of bureaucracy Microsoft has had to put in place in order to comply with some of its sanctions." "Everywhere in the world, customers deserve freedom of choice and the benefits of innovation -- and these are being stolen away in the microprocessor market," said Hector Ruiz, AMD chairman, president and CEO, in a statement. "Whether through higher prices from monopoly profits, fewer choices in the marketplace or barriers to innovation -- people from Osaka to Frankfurt to Chicago pay the price in cash every day for Intel's monopoly abuses." AMD, which filed its 48-page suit in a federal court in Delaware, may have timing on its side. The suit comes in the wake of a recent ruling from the Fair Trade Commission of Japan (JFTC), which found that Intel abused its monopoly power to exclude fair and open competition, violating Section 3 of Japan's Antimonopoly Act. The findings revealed that Intel deliberately engaged in illegal business practices to stop AMD's increasing market share by imposing limitations on Japanese PC manufacturers. Intel did not contest these charges. Moreover, the European Commission is pursuing an investigation against Intel for similar possible antitrust violations and is cooperating with the Japanese authorities. AMD also alleged that Intel forced NEC, Acer, and Fujitsu into partial exclusivity agreements by conditioning rebates, allowances and market development funds (MDF) on customers' agreement to limit or forego AMD purchases. The chipmaker also said Intel paid NEC several million dollars for caps on NEC's purchases from AMD. Those caps assured Intel at least 90 percent of NEC's business in Japan and imposed a worldwide cap on the amount of AMD business NEC could do. The full complaint may be viewed here. UKFast is not responsible for the content of external Internet sites. print this article Return to internet news headlinesView Internet News ArchiveShare with: Twitter Facebook LinkedIn


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The antagonism between Hillary Clinton and Barack Obama has erupted into open conflict after the former First Lady accused her Democratic rival of being "irresponsible and frankly naive" in agreeing to meet the "world's worst dictators".
Mr Obama hit back, accusing Mrs Clinton of stoking a "fabricated controversy" by claiming he had unconditionally agreed to meet America's enemies during the first year he was in office.
The dispute was sparked by a Democratic debate on Monday, when candidates were asked whether they would "be willing to meet separately, without precondition, during the first year of your administration, with the leaders of Iran, Syria, Venezuela, Cuba and North Korea".
Mr Obama answered: "I would. The notion that somehow not talking to countries is punishment to them - which has been the guiding diplomatic principle of this administration - is ridiculous."
Mrs Clinton, who leads Mr Obama by about 15 points in the polls, pounced on the response as evidence of her rival's inexperience in foreign affairs - one of the main question marks over his candidacy. It was "a mistake to commit the power and prestige of America's presidency years ahead of time by making such a blanket commitment", a Clinton campaign statement said.
"What she's somehow maintaining is my statement could be construed as not having asked what the meeting was about," Mr Obama protested in an interview with the Quad City Times, an Iowa newspaper.
"I didn't say these guys were going to come over for a cup of coffee some afternoon," he added.
At an event in New York on Tuesday night, an unrepentant Mr Obama pointedly highlighted his opposition to the Iraq war, which Mrs Clinton voted to authorise.
"My judgment in foreign policy is, I believe, better than anyone else in this race, Republican or Democrat," he said.
"And I don't base that simply on the fact that I was right on the war in Iraq. What I was drawing on was a set of experiences that come from a life of living overseas, having family overseas, being able to see the world through the eyes of people outside our borders.
"The notion that somehow from Washington you get this vast foreign policy experience is illusory."


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What Is Long Term Care Insurance (LTCI) and Why Do I Need It?
Many financial planners agree today that the high cost of long term care is the most serious risk to the security of senior Americans. Long term care is defined as sub-acute care that is required because an individual has a prolonged illness or injury and needs help from others in order to live. One may need assistance in order to perform two or more activities of daily living (bathing, continence, dressing, eating, toileting or transferring), and/or one may need supervision due to cognitive impairment.
Facts about California Long Term Care Insurance (LTCI)
- In 2010 nursing home care cost averaged about $230 a day or about $83,950 a year in California. Source: California Partnership for Long Term Care, 2010.
- At least 3 in 4 Americans are either uninsured or underinsured for long term care.
Source: The LTC Guild, 2010.
- Among people age 65 and older, 30% have three or more chronic diseases.
Source: Connie Limon, Aging and Longevity – Can Our Economy and Health Care System Survive Aging Baby Boomers? July 9, 2007.
- Nearly 79% of people who need long term care live at home or in community settings rather than in institutions.(Source: The State of Aging and Health in America, 2004. Merck Institute of Aging and Health.)
- The main causes of long term care are Alzheimer's, stroke, circulatory disease, injury and cancer. Source: The 2010 (Source: book for LTCI Information. American Association for Long Term Care Insurance, 2010.)
- Of those who enter a nursing home, 44% will stay at least one year and 12% will remain longer than five years. (Source: California Partnership for Long Term Care, 2010.)
- Long term care insurance reduces a person's chances by 66% of having to spend down his or her savings to the point of impoverishment to qualify for Medicaid assistance. Helping You Take Care. (Source: America's Health Insurance Plans, 2009..
- The average cost for a home health aide or homemaker in San Francisco, Los Angeles, and San Diego is at least $23 per hour.(Source: The 2010 Sourcebook for LTCI Information. American Association for Long Term Care Insurance, 2010.)
- The long term care insurance industry is proud of its record of paying nearly 97% of all claims submitted. Helping You Take Care. (Source: America's Health Insurance Plans, 2009)
- 66% of long term care insurance claims are paid to women. The 2010 Sourcebook for LTCI Information. (Source: American Association for Long Term Care Insurance, 2010.)
- 62% of long term care insurance applicants between ages 40 and 49 qualified in 2009 for good health discounts, but only 46% of applicants between ages 50 and 59 qualified.(Source: The Sourcebook for LTCI Information. American Association for Long Term Care Insurance, 2010.)
- If you meet Medicare requirements, Medicare will only pay the full cost of skilled nursing home care up to the first twenty days of a covered stay and then only a small part of the bill for the next eighty days. (Source: Taking Care of Tomorrow. California Department of Aging.)
In general, the annual premium for long term care insurance more than doubles from age 50 to age 60 in a California Partnership policy and more than triples from age 55 to age 65.
The Problem with the Long Term Care Need
The problem is how to manage an event that is increasingly likely to occur as we age. Because we are likely to live a long life, we are likely to get old. If we get old, we are likely to become sick or injured. If this happens, we are likely to need care. Who will pay for that care? Who will provide it? How can the potentially severe consequences of needing care be minimized for one's family and one's financial plan? An extensive study on aging was published in the New England Journal of Medicine in 1991. This study concluded that 43 percent of people age 65 will enter a nursing home before they die, and, in addition, many more will need home health care. Half of those who will enter will stay for at least one year and their average stay will approach three years.
The average cost of a nursing home in California is now roughly $84,000 per year and is rising yearly at a pace above the rate of inflation. Medicare only covers long-term care for a matter of weeks, if at all, and is now under severe financial pressure. Medicare supplements and other private insurance policies also give minimal benefits. Medi-Cal only covers cost as a welfare supplement for the poor.
The Denial and the Misconceptions about Long Term Care
Many Americans still believe that the chances are slight that they will need long-term care. They claim that their family history, or their genes, or their lifestyle, minimizes their risk. Unfortunately, if they believe these factors will enable them to live a long life, they are building a case that they have a higher risk than others of needing long-term care. The longer one lives, the greater the risk. Thus, a healthy 65-year-old may have as high a risk of needing long-term care as another 65-year-old with health problems, because the healthy person has a longer life expectancy.
Others feel that they do not need protection because their spouse, child or close friend can take care of them if necessary. But very often, a long-term care scenario can impose more stress on the caregiver than on the patient. Policies can be designed to pay for other caregivers to relieve the primary caregiver or caregivers, enabling loved ones to retain their own quality of life.
Denial can lead to lack of planning. Better for many to pay for insurance and not need it than to deny their human frailties and have their life's savings depleted.
The Purpose for Long Term Care Insurance
One of the main reasons Americans buy long term care insurance is to avoid becoming a burden to their loved ones. They preserve their independence. They obtain the peace of mind that if they do become sick or injured, they will feel free to utilize the best quality of care available in the marketplace. They can die with dignity and usually without pain.
Another Important reason Americans buy long term care insurance is to protect their assets, as they didn't work their entire lives to spend their savings on nursing care. They want to preserve their assets to pass to their loved ones. It is now agreed that any motivated person with sufficient assets to easily cover the cost of the insurance should buy protection.
Buying Long Term Care Insurance
Choosing a Long Term care Insurance policy can be complicated and should be done with the help of an industry professional. There are many factors that determine coverage and cost, clients should realize that it's imperative to choose a good insurance company and a good agent. As yet, there are only a handful of insurance companies and agents that have wide experience in this field. The main factors in choosing an insurance company and an agent are:
- Is the insurance company highly rated and stable, so that it will be around many years from now to pay a claim?
- Does the insurance company have a good track record of paying claims?
- Does the insurance company have competitive rates, give good value, and have a strong presence in the long term care insurance industry?
- Is the agent trustworthy and a specialist in long-term care insurance?
- Is the agent part of a larger organization that is available to assist you in time of need?
- Can the agent offer many plans from top companies and not merely represent one company?
Types of Long Term Care Insurance policies
The most common type of policy is comprehensive. It pays benefits for care in one's home or in a facility. This is by far the preferred type of plan due to it's flexibility. A limited number of insurance companies offer facility only plans. This type of plan pays benefit of care in a nursing home, assisted living or board and care facility.
Receiving your Long Term Care Benefits when you need it
In order to receive benefits, first the client's doctor has to certify that he or she is sick or injured. He must either require assistance in two or more of the previously mentioned activities of daily living, or he must need constant supervision due to cognitive impairment. In a tax-qualified policy, the client's doctor must certify that the illness or injury is expected to last at least 90 days.
Second, he must receive care from a person or facility that meets a definition in his policy. In general, a facility must be licensed, maintain records and have the ability to care for him 24 hours a day. If he needs the care of professional caregivers in his home, they must also be properly licensed. If he only requires personal care and services at home and aides, no licensing is needed. Nor does he have to utilize a licensed home health care agency. Some policies reimburse even if care is given by a family member.
Home health care policies often require a written plan of care, designed by a doctor, nurse or social worker and agreed to by the patient. Benefits cover a very wide range of services performed within the plan of care. A social worker is also able to monitor this plan, change it if conditions change, and aid the patient in procuring caregivers. The best policies pay the costs of the social worker's services.
Levels of Long Term Nursing Care
There are three levels of nursing care that vary in intensity, and long term care policies cover all of them in the same manner:
- Skilled care: Rehabilitative, short term, intensive 24 hour care, usually following an illness or injury requiring acute care first. Assuming a three-day hospital stay, Medicare and other health insurance policies cover room and board for skilled care only in a nursing facility. The average stay is less than 20 days.
- Intermediate care: Rehabilitative care for up to six months which requires less than 24-hour supervision by a nurse.
- Custodial care: Care necessary due to a chronic or permanent illness or injury, which is less intensive, but which may continue indefinitely. This care helps a person perform activities of daily living or supervises a person if cognitive impairment exists.
The primary need for long-term care insurance is to cover the costs of custodial care, as custodial care accounts for more than 90 percent of nursing care costs. Other types of insurance policies provide no benefits for custodial care. Over half of custodial costs are for people having cognitive impairment. Many custodial care scenarios begin with a mild degree of illness, but slow deterioration sets in.
The Variables affecting in Long Term Care Insurance Premiums
There are seven main variables in long term care policies which all influence the premium:
- Age: The younger you are, the lower the premium. The age is the single largest element in determining the premium. This factor creates a substantial additional cost if one waits to purchase long term care protection.
- Daily benefit: The maximum amount a plan will pay for one day of care. This can vary from $50 to $500 per day. The cost of a nursing home in California in 2010 averages $230 per day, according to the California Partnership for Long Term Care. Clients may want to protect against all of this cost or only most of it.
- Benefit limit: This is the number of days or years that a plan will pay a benefit … not from now, but from the time the client gets sick. Benefit limits can vary from one year to lifetime coverage. The longer the benefit limit, the greater the protection but the higher the cost.
- Inflation protection: Because nursing care costs are rising, clients need a way for their daily benefits also to increase over time. Otherwise, the policy may not adequately protect your client many years from now if he/she gets sick. Policies normally contain riders offering automatic daily benefit increases of 5 percent each year, either at "simple" or "compounded" rates, plus other options.
- Elimination period: This can also be called a deductible, and is a period where clients pay out of their own pockets before a plan begins to pay. This period normally varies from 0 to 100 days, with the 100-day elimination period yielding the smallest premium.
- Tax benefits of policy: Some or all of the premiums may be tax deductible depending on your filing status. Typically, the benefits of a plan are income tax-free. For specific details contact us and your tax advisor.
- Partnership: Four major companies in partnership with the State of California have special, tax-qualified policies where in the State pays lifetime benefits in skilled nursing facilities under Medi-Cal after the insurance company benefits run out. The amount of insurance company benefits paid out is preserved in the estate of the client.
The Main Features of a Good Long Term Care Insurance Policy
Any Long Term Care Insurance policy should include the following features among others:
- Guaranteed renewable: The company cannot cancel the policy unless the policyholder fails to pay the premium.
- Covers mental conditions: The policy should cover mental and nervous conditions due to any organic brain disease, including Alzheimer's Disease.
- Exclusions: Exclusions should be minimal and should not affect the client's intent to be protected.
- Premiums shouldn't change: Premiums should not be influenced by any change in the client's age or health, and the client should expect them not to change during the life of the policy. However, companies reserve the right to change rates on a statewide basis. Clients should be urged to buy from a company that does not have a track record of raising rates, but should be prepared to pay a higher premium years later if a rate increase occurs.
- No Pre-Existing Conditions: Once the company offers coverage and the client accepts it, any previous medical history, assuming it is admitted on the application, is of no consequence.
- Waiver of Premium: The company allows policyholders to stop paying premiums once they are receiving benefits. There can be waiting periods of up to 90 days before this waiver takes effect, and it may not be available when home health care is obtained.
Long Term Care Insurance Underwriting Process
When clients apply for coverage, the company investigates their health history to decide whether to offer them coverage. Clients release medical records, and some companies will call them on the phone and ask questions about their health. If they are older, the company will have a social worker see them, at their convenience, to do a face-to-face interview with no disrobing.
For those with health problems, the big questions is, can they get coverage? If they cannot, no financial decision is required. The only way to answer the question, however, is to have them apply.
The underwriting process normally takes about five to six weeks. This gives the applicant plenty of time to read materials explaining the policy applied for. The agent physically delivers the policy after it is issued. This presents an opportunity to finalize the structure of the policy and to become comfortable with the buying decision.
Long Term Care Insurance Costs and Guidelines
Annual premiums should probably not exceed 7 percent of gross adjusted income. The premiums can be financed out of income, but many believe it is also sound to utilize assets to pay premiums, thus using assets to protect assets.
A typical comprehensive policy for a 65 year old could cost from $125 to $200 per month. The same policy would only cost half as much at age 55, but would more than double by age 75. This is even before considering that an increased daily benefit may be needed if one waits to buy coverage.
Because of all the previously mentioned variables, the costs are up to the client. He or she should be comfortable both with the premiums and the protection the policy offers. There is no magic formula as to how much protection to buy, as everyone's needs are different. A good long term care insurance agent is like a good doctor or carpenter. Clients need a trained professional in long term care insurance whose judgment they can trust.
Other LTCI options: What are Linked Products?
Insurance companies are growing increasingly adept at designing products which can satisfy two needs at the same time. These products are called linked products, and normally provide a long term care benefit inside either an annuity or a life insurance policy. Thus far, the following designs are available from leading insurance companies:
- Annuities with Long Term Care Insurance Rider
These are basic annuities which offer all of the advantages annuities possess. But in addition, a rider at nominal cost can create a pool of money that can cover some long term care costs, usually for a limited period. They are usually funded by repositioning a current asset, either an existing annuity or a bank CD. One can often improve on ones current return and at the same time cover long term care costs. These products are ideal for a person who cannot qualify medically for long term care insurance and yet has a great need to be protected.
- Life insurance with Long Term Care Riders
These are whole life or universal life products that include long term care riders. They can be funded with single premiums or premiums over time. There is a death benefit at an appreciated amount that serves to transfer assets like traditional life insurance policies. But in addition, there is a substantial long term care benefit that can be utilized when long term care is needed. These products are ideal for a person who primarily wants to be protected against long term care costs but yet has a desire to transfer any remaining assets to heirs
Insuring your future care ensures your peace of mind. Contact us today to talk to one of our specialists and learn more about your Long Term Care Planning options. We are here to help and guide you through the process.


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Gothic Tattoos
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Gothic tattoos are an important part of the Goth look – representing that special brand of subculture that developed simultaneously in both Europe and the United States in the late 1970s. Contrary to what some people think, Goths are not morbidly fascinated with death or the occult – but they do tend to be highly creative, artistic people with a strong intellectual bent. Gothic tattoos and tattoo designs reflect this tendency. Though many different designs could be – and are – considered Goth, it is certainly true that Gothic tattoos form a category all their own. A certain style of body modification – instantly recognizable when you see it – complements that Goth style of dress. Tattoos are only one part of this; multiple piercings are just as characteristic.
Goth Tattoo Designs
What types of tattoo designs are typical for Gothic tattoos? Here's where it gets complicated. People who are part of Goth culture have very eclectic and imaginative tastes and interests, a fact that is fully reflected in their tattoos. One category of Gothic tattoos, therefore, are fantasy images (dragons and the like). Interest in the medieval is one offshoot of Goth culture, and the imagery of that time is strongly represented in the tattoo images. The images tend to be fantastical, as much of the mythology of the time was – a nod to the older religions and belief systems, perhaps, or maybe an affiliation with a fairy-tale world. That's not to say that this fantasy world is always benign, though – as the dragon images show, fairy tale life had its own set of dangers!
A second category of Gothic tattoos deals with what we might term the occult – images relating to Wicca (white witchcraft), the Tarot, the Viking Runes, or other mystic crafts or oracles. Wiccan images include the pentacle, a five-pointed star; the 'athame', a double edged blade used in Wiccan rituals, or symbols related to the four elements – earth, air, fire and water. Keep in mind that none of these occult crafts is evil; they have nothing to do with Satanism, for example. These are ancient religions that were practiced before Christianity, and then they had to go underground. Gothic tattoo designs actively seek out and celebrate these images.
Gothic tattoos are extremely varied, because they reflect the various interests of people who see themselves as part of the Goth culture and lifestyle. Some Goth tattoos may be more socially acceptable than others, but most of them make for engaging conversation pieces!
~~ oOo ~~


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Psoriasis is a complex, chronic, inflammatory, autoimmune disease that typically affects the skin and the joints. Psoriasis generally develops as patches of thick, red, dry, scaly skin on the knees, elbows, lower back and the scalp. This non-contagious skin disease tends to flare up from time to time. Chronic psoriasis can cause a lot of physical discomfort.
Although psoriasis is an incurable skin disease, it can be controlled with proper medication along with certain simple home remedies. Home remedies for this skin condition is especially beneficial for individuals who suffer from mild to moderate psoriasis. Listed below are some wonderful home remedies for this common and difficult to control skin disease.
Home Remedies For Psoriasis
1. Aloe Vera Gel
Aloe vera gel is one of the best natural cures for psoriasis. Pure aloe vera gel is a good skin moisturizer which can control to a large extent the extreme discomfort due to psoriasis. In fact, nearly eighty three percent of people suffering from psoriasis showed remarkable improvement after applying aloe vera gel thrice a day for a month.
Things Required
Pure aloe vera gel and cotton balls
How To Use
Take some fresh aloe vera gel in a glass bowl. Dip a clean cotton ball in the aloe vera gel. Apply the aloe vera gel on the red, itchy and scaly areas of the skin. For best results, repeat this home remedy at least thrice a day for three to four weeks.
2. Castor Oil
Castor oil which is obtained from the seeds of the castor plant is loaded with antioxidants. Castor oil is considered to be a miracle cure for numerous skin conditions including psoriasis. This viscous oil can control psoriasis flare ups to a large extent.
Things Required
Pure castor oil and clean cotton pads.
How To Use
Dip a clean cotton pad or a cotton ball in some castor oil. Now apply this oil liberally on the thick, well defined skin lesions. Allow the oil to remain on the skin for a couple of hours. For best results apply castor oil on the skin lesions at night, just before going to sleep. Wash off the excess castor oil in the morning with luke-warm water. Repeat this home remedy for a couple of weeks to reduce the frequency and intensity of this skin disease.
3. Turmeric Paste
Curcumin, the primary active component in turmeric is used to treat numerous skin disorders including psoriasis. Curcumin can prevent psoriasis flare-ups by inhibiting the skin growth factors which are mainly responsible for this common skin disorder. Regular application of fresh turmeric paste on psoriasis lesions can reduce plaque formation by almost fifty percent.
Things Required
Organic turmeric powder, filtered water and cotton balls.
How To Make
To prepare the turmeric paste, combine one heaped teaspoon of organic turmeric powder with three to four tablespoons of filtered water. Mix together the turmeric powder and water to form a thick paste. Dip a clean cotton ball in the freshly prepared turmeric paste. Apply the turmeric paste generously on the psoriasis lesions. Allow the turmeric paste to remain on the skin lesions for half an hour. Wash off the excess turmeric paste with ordinary tap water.
Also Read
25 Natural Home Remedies For Psoriasis
7 Simple Ways To Get Rid Of Redness On Face Naturally
7 Natural Remedies Get Rid Of Dead Dry Skin On Feet
4. Epsom Salts
Epsom salts are an effective home remedy for psoriasis. In fact, Epsom salts have been used for centuries to control this particular skin disorder. The high mineral content of these salts is extremely effective in curing psoriasis skin lesions.
Things Required
Epsom salts
How To Use
To prepare this simple home remedy for psoriasis, simply add a quarter cup of Epsom salts to luke- warm bath water. Immerse yourself in this warm, relaxing bath for fifteen to twenty minutes. For best results, repeat this home remedy at least twice a day for a month. You will observe a marked reduction in psoriasis lesions.
5. Tea Tree Oil
Tea tree oil, also known as Melaleuca Alternifolia, is an anti-fungal and antibacterial oil obtained from the leaves of the tea tree plant. This yellow hued oil is widely used to treat a variety of skin ailments. Tea tree oil is used as an augmentative type of treatment for psoriasis. The potent tea tree oil is typically mixed with carrier oils like olive oil or sweet almond oil before it is applied on psoriasis lesions.
Things Required
Organic tea tree oil and extra virgin olive oil
How To Use
Mix a few drops of organic tea tree oil with two to three tablespoons of extra virgin olive oil. Now apply this oil blend on the psoriasis lesions. Allow the oil blend to remain on the skin lesions for fifteen to twenty minutes. Wash off the excess oil with luke-warm water. Repeat this home remedy at least twice a day for a couple of weeks.
6. Apple Cider Vinegar
Organic apple cider vinegar like tea tree oil is used to treat numerous skin conditions. Diluted apple cider vinegar can be used to temporarily relieve the itching and scaling due to psoriasis. Regular application of organic apple cider vinegar on psoriatic lesions can reduce their thickness as well.
Things Required
Apple cider vinegar, warm water and cotton balls
How To Use
Dilute approximately one part of apple cider vinegar to three parts of luke warm water. Now dip a clean cotton ball in the diluted apple cider vinegar solution. Apply this solution directly on the psoriatic skin lesions. Allow the diluted apple cider vinegar solution to remain on the skin lesions for ten to fifteen minutes. Remove the excess solution with a clean cotton ball.
7. Lemon Juice
This is a little known home remedy for psoriasis. Applying fresh lemon juice on psoriasis lesions can control this skin disorder to a large extent. The citric acid in lemon juice encourages skin exfoliation, helps skin cells to retain moisture and also aids to ease the dryness as also excessive flaking of skin due to psoriasis.
Things Required
Lemon juice and cotton balls
How To Use
Dip a cotton ball in a bowl containing freshly squeezed lemon juice. Cover the psoriasis lesions with the lemon juice. Allow the lemon juice to remain on the skin lesions for five to ten minutes. Remove the excess lemon juice with a cotton ball dipped in luke warm water. Repeat this home remedy for three to four weeks.
8. Baking Soda
One of the primary symptoms of psoriasis is excessive skin itchiness. Medical research has shown that baking soda can actually reduce the feeling of itchiness due to psoriasis. Baking soda not only relives the feeling of itchiness but it also helps to dry out the skin sores.
Things Required
Baking soda, luke-warm water and cotton balls
How To Use
Mix half a teaspoon of baking soda in one and a half cups of luke warm water. Dip a clean cotton ball in the baking soda solution. Daub the affected regions of the skin with this solution. Repeat this home remedy for several days to dry out the skin sores and reduce the unpleasant symptoms of psoriasis.


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The campsite
In 45 minutes of Valencia, then at the middle road between Crest and Die, in the gorges of Saillans, stop in the campsite LES ACACIAS, in the small village of Vercheny, in the south of France.
In the heart of a shaded forest, in river bank the Drôme, this very « natural » campsite offers itself to you to suggest spending holidays which rhyme with « relaxation » and « leisure activities »!
The Drome River is our natural swimming pool !!!!
|Le campsite Les Acacias of Vercheny, in the Valley of the Drôme, proposes you places and rents in tent or mobil home, in border of the river the Drôme.See the rents
See the price list of pitchs and mobil home location
Le campsite Les Acacias provides you with numerous services to facilitate your stay in the Drôme!See the services
Sur place or near, the campsite Les Acacias proposes you a wide choice of activities. Child or adult, with an envy(urge) for sport, for relaxation or for open air, you will find what you are looking for!See activities


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We did our grocery shopping yesterday and managed to pick up the usual staples we needed. Still undecided what to make for today's Slow Cooker Sunday, we found ourselves having a light-bulb moment while picking up a bunch of potatoes at the veggie stall. This versatile fruit of innumerable culinary uses got us thinking about making a divine soup out of it!
I love making soup, not only during the cold, rainy months but also anytime of the year. By simply combining a few healthy ingredients together, you can create a delicious and filling meal that you and your family will enjoy.
When I was in grade school, the canteen would always prepare soup every Friday. As far as what my taste buds can recall, they made great-tasting soups back then. It was my earliest memory of eating soup since my mother hardly makes some for us back in the day.
I decided to make a trip down memory lane by cooking this chicken potato soup. The sentimental appeal of this recipe never fails to warm our stomachs and our hearts for cold days like today when you just want to get cozy and get comfortable.
Chicken Potato Soup
- 1 pound chicken, cut into strips
- 4 potatoes, peeled and diced
- 2 carrots, peeled and diced
- 1 onion, finely chopped
- ½ cup evaporated milk
- ½ cup grated cheddar cheese
- 4 cups of water
- 1 chicken bouillon cube
- Ground black pepper, to taste
- Salt, to taste
- Cayenne pepper (optional)
1. Place chicken strips in a medium saucepan and add 2 cups of water. Bring to a boil over high heat for 5 minutes. Set aside.
2. Put the rest of the ingredients and the cooked chicken strips in the slow cooker stoneware pot except for the evaporated milk and grated cheese. Cover and cook on high for four hours.
3. Half an hour before serving, stir in the evaporated milk and grated cheddar cheese into the soup. Serves 3-4.


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Android has progressed rapidly and so has the community of app developers. It is still far from the number of iPhone developers or the number of WinMo developers for that sake. However, an eternal concern with app developers is that of earning from app development.
Google Android apps are highly victimized to piracy and Google had announced earlier that it would try to DRM Market apps. However, all this protection and annoyance is too much for developer to take. Starting with, the developer comes up with a unique idea and decides to make his app a paid version. However, the paid app market is available only to a handful of countries. To be precise, it is available only to thirteen countries out of forty-six where Android phones are selling currently. On the other hand, Apple app store has paid market support in ninety countries.
That clearly explains the trend of using pirated apps that is so widespread in case of Android. That is what is fueling the stats. With the market not available in most countries, users have no other choice than installing cracked apps.
Google should seriously reconsider the availability of paid apps in various countries and should include some more countries in the list of paid market. If not combat piracy, that will help Google and us have a better picture of the situation.


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Andy Rubin, VP of Engineering at Google, has just made a tweet — his second ever with first one being the definition of open in response to Steve Jobs — in which he claims Android has passed the barrier of 300,000 daily activations.
To further improve the statement's impact, Dan Morrill, Android Open-Source & Compatibility Program Manager, retweeted Andy Rubin's words shortly after saying that they are indeed true as he (Morrill) is checking the numbers on a daily basis. Google is in a continuous growing trend as far as Android activations are concerned. There were daily 100,000 in May, 160,000 per day in June, 200,000 in August and today they've passed 300,000 according to the two Google executives. While it's certainly an impressive growing trend, it can't continue forever but it's hard to tell which numbers it will top on. Gingerbread will most definitely shed some light on this.
Source: Twitter (1),(2)
Via: Android Police


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Here I have a Wheels set together, that I like to put at your disposal.
Have the wheels made entirely separately, for hobbyists who want to screw on their mods something new.
The wheels are of one or another mod which is available from me on the DL.
Wheels have been revised (model, texture, Specular, Dirtshader etc.)
All the wheels, brackets are washable (Dirty)
You can see the wheels block differently / installing, or direct from the i3d load (eg. Giants models) instructions there are plenty on the web.
The set includes:
Pflegebereifung -> Front & Rear
Care Zwillingsbereifung -> rear only
Zwillingsbereifung -> Front & Rear
Fasteners (brackets) for twin tires -> Front & Rear
a modified "vehicleShaderDirt.xml" to exchange. Brighter Dirttextur (see picture) – backup copy of the previous not forget!
Sample images can you see from the DL description could look like in the trekkers all.
Fals will you make your mods to the wheels of me to DL, you need catch up with me not released. The wheels are Released.
Einzigste condition is that credit must be fully known !!
Have fun screws …… Happy Farming ;-))
MfG speedy77
CebuljCek / speedy77 (CEM)


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Showcased in a Honda Civic 1.6-liter diesel vehicle at the company's annual investor update, Delphi's 48-volt, mild hybrid technology enables "intelligent" electrification.
The customised vehicle architecture maximises the use of the 48-volt electrification to minimize the demand on the engine, improving performance while lowering CO2 emissions by more than 10 percent.
"This is not only a significant step forward with reinventing the electrical architecture for dual voltage capability, it is also a triumph of software," said Jeff Owens, Delphi's chief technology officer.
"This intelligent approach to vehicle power, wiring and data management will not only improve fuel efficiency, but will also enable a world-class driving experience while providing additional power for active safety systems and increased connectivity in the car."
"One out of every 10 cars sold globally in 2025 will be a 48-volt, mild hybrid," said Owens. "To put that into perspective, that's 11 million units a year – three times the volume of pickup trucks sold annually and more than half of the world's anticipated diesel passenger car market."


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Nina Notaro, pastry chef/owner of Cake Studio in Winnipeg, Manitoba Canada has created the world's first QR Code wedding cake (image below). The cake made its appearence at this past weekend's Wonderful Wedding Show at the Winnipeg Convention Centre. This contemporary square design, featured a four tiered white fondant cake with the edible QR Code applied on all four sides of a cube tier. Adorning this wedding cake were handmade sugarpaste Cattleya Orchids with buds, black satin ribbon with square rhinestone buckles. The QR Code resolves to a mobile version of the Cake Studio website. Well done Nina!
6 thoughts on "World's First QR Code Wedding Cake"
I'm actually a little disappointed with this. It looks inelegant (not how a wedding cake should look!) and doesn't add value to the consumer. Integrating QRs into wedding cakes that link to photos, videos, etc of the couple would be interesting.
Hello Roger!
Good to see someone else trying out the QR Code in an icing format… 🙂
Been Experimenting with QR Codes and Cakes for a while over here in Scarborough UK… Will send some words and pictures on the subject for you next week 🙂
Things are progressing quickly now that quite alot of Christmas presents were smartphones and downloading apps is becoming second nature 🙂
Some fantastic looking cakes there Anthony. Look forward to seeing your QR code cakes!
I look forward to seeing those pictures Anthony!
Hi Roger,
its the first qr-code-wedding-cake, but not the first qr-code-happy-birthday-cake:
see here: http://www.tagmotion.de/2009/01/22/happy-birthday-torte-mit-tag/
greets, stefan
Not very stylistic,is it?
this is more interesting, and even looks more edible!
QR Code Geek Christmas Cake


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Added a bunch of links over on the right side there of people and writers I know trying to blog it up, as it were. Fantastic writers, really. I encourage you to check them out.
Today, instead of me talking, i'm just going to repost what Richard Thomas posted at his blog, because it's fantastic news and he deserves it.
My debut novel, a neo-noir thriller called Transubstantiate, will be out in June of this year. I'm really excited that OWP wanted to launch their company on the back of my book. They are a husband and wife team, very smart, connected, and energetic. They love my book and are behind it 100%. It's a risk I know, new small press, but I'm optimistic and pumped up.
There will be 100 signed/limited hardcovers, as well as a much larger print run of paperbacks. I'll be talking about this everywhere, so I apologize in advance for the constant whoring of myself and this book all over the internet.
What can you do for me? If you're here, it means you've read my work, most likely, or are here to do that very thing. If you like what I'm doing, do whatever you can – buy a copy, promote it on your blog, Facebook, Twitter, MySpace, book clubs, other forums – whatever you've got.
I think this is a really great book. It won't change the world or cure cancer, but I think it's a fun book, wild and sexy, fast paced and interesting. You'll get action, violence, sex, a bit of the surreal, the horrific, the fantastic, and the gritty noir that I've loved reading from the trio here.
There is a synopsis and the first chapter over there ——————————–>
under novel excerpts.
Thanks again, and wish me luck.
FOR MORE INFORMATION VISIT:http://www.otherworldpublications


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- Description
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Featured on Oprah and The Today Show, this gourmet treat takes a beloved snack to a new level of refinement with adventurous flavors and all natural ingredients.
Gift Includes:
- A large tin of decadent Chipotle Caramel & Almonds Popcorn from the award-winning company 479 Degree
- Each tin canister contains 1/2 gallon of popcorn. Serves 6 to 8 people.
- Organic, all natural, gluten free products.
- An award-winning gourmet snack, featured on Oprah and the Today Show.
Measures 8" x 5".Gift #17255
For delayed delivery, GiftTree can hold your gift and have it shipped to arrive anytime. To use this option, select "Ship Later" on the next page.
The Paramount of Popcorn is a hand delivered gift. These gifts are delivered by one of our local design centers located throughout the United States and Canada.
Same day delivery is available for most gifts when ordered before the cutoff time. The cutoff time for The Paramount of Popcorn is in the recipient's time zone.
FD00-576-00Blk Truffle & White Cheddar (Canister) 479 popcorn - DNO
The Paramount of Popcorn has been purchased most frequently by our customers for the following occasions:
Average Rating:(1 reviews) write a review
Health ConsciousGluten FreeMay 6, 2013
I am always looking for healthy, gluten free snacks, and this is an absolute must. The Black Truffle variety is AMAZING! With No Trans Fat, GMO's and all Natural ingredients you can indulge without the guilt