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I have on occasion been described as somebody that buys too many things. I probably am. Ordinarily, nail polish, books and DVDs - but here some other things I thought I'd share!
Yeah, yeah, August is almost halfway over and she still buys a pair of shorts. For long periods of time I was very strongly opposed against the idea of wearing shorts. Then I fell in love with this pair. The colour is just absolutely beautiful and I had to have them. I briefly despaired seeing they only had S and L left (figuring one would be too small and the other much too big) but I fit in the S with room to spare so I got my shorts after all!
I am seriously lacking in trousers on which the zipper isn't broken, so, yeah. Haven't taken the tags off. Still unsure about whether to return them or not.
I guess I'm still a goth kid at heart? I've always wanted a pair of these. Doubt I'll actually where them much.. but who knows? Maybe when it gets colder, but not cold enough for proper gloves. Or Halloween.


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© 2007 - 2013 Adrian Dawes Photography • All rights reserved
I am a full time photographer and I have many years experience. I work for either pay or trade depending on assignment. I am willing to travel for shoots or work from home.
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I'm based in Eastleigh, Hampshire, UK.
I am currently looking to work with creative individuals to build my portfolio in the areas of fashion and portraiture. I shoot both in the studio and on location and have been told that I'm incredibly easy going on set. It's important to me to have a good rapport with the team when shooting and I love shooting portraits and fashion .
I'm also very open minded and love a challenge so if there's something more unconventional you want shot then drop me an email. I will work TFP/CD on certain projects, if they offer me something new and unusual
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Shadow, my golden retriever and me on the Governor's trail in Topeka. I love my job at Wabaunsee High. I enjoy the small school atmosphere and especially the students!! It is fun to see their many different abilities both academically as well as their leadership, talents and skills. They are amazing!! I care about our students! They are the best!
The lyrics below is what I strive for daily in my counseling profession: Favorite lyrics: Give me your eyes for just one second, Give me your eyes so I can see, Everything that I've been missing, Give me your love for humanity, Give me your arms for the broken hearted, The ones that are far beyond my reach; Give me your heart for the one's forgotten. Give me your eyes so I can see..... Brandon Heath


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A day after the NCAA announced it would pull seven championship games from North Carolina because of the discriminatory nature of House Bill 2, Gov. McCrory issued a statement Tuesday saying it was a matter for the courts to decide:
"The issue of redefining gender and basic norms of privacy will be resolved in the near future in the United States court system for not only North Carolina, but the entire nation. I strongly encourage all public and private institutions to both respect and allow our nation's judicial system to proceed without economic threats or political retaliation toward the 22 states that are currently challenging government overreach. Sadly, the NCAA, a multi-billion dollar, tax-exempt monopoly, failed to show this respect at the expense of our student athletes and hard-working men and women."
And while the issue may very well be resolved 'in the near future' at least one Republican state legislator doesn't want to wait any longer.
Wake County Senator Tamara Barringer said in a statement to WRAL-TV it was time for lawmakers to revisit HB2 and the unintended consequences of its speedy passage:
"With the most recent announcements impacting our state, there are simply too many examples of very sad and unfortunate ramifications and unintended effects of HB2.
I do not want men or boys legally to be able to share the same locker rooms or bathrooms with my 16-year-old daughter and her classmates or teammates. However, if we want to preserve the proud heritage of North Carolina, it is time for our leadership to consider a substantial and immediate repeal of HB2."
Barringer represents a portion of Cary, which will be losing four NCAA championship events. Cary has pegged that loss at $2 million.
Greensboro has placed the loss of NCAA events in their city at $17 million.


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Plein air printing, anyone? The Printmaking Program at California College of the Arts hosted the folks from Drive By Press on Thursday, February 26, 2015 on the Oakland campus from 9am to 4pm. Kate Dedlow and Taylor McClure gave a slide lecture and showed relief and screen prints from printmakers from across the country. Their specialty is woodcut printing (a form of relief printing) and after a pizza lunch, they set up their etching press outside and printed on a t-shirt with the block of your choice using the oil-based textile ink they developed with Gamblin: Drive By Black.
He loves traveling and sharing his love of print, "like bees do with pollen" and coming in, doing the Drive By thing, and moving on like "a gorilla in the mist."
Kate began the lively lecture by telling of her own influences in Los Angeles and New York, mentioning the Mexican woodcut artist Posada who had his works printed in newspapers, and the street artist Swoon, who printed onto paper and wheat-pasted her works to the walls, sometimes hand coloring them. She spoke about how woodcut street art can communicate to a larger community and "the power of the multiple" that can make art accessible. She also talked about the "impermanence of printmaking" as newspapers get thrown out, walls get painted and papered over. Another way to make printmaking accessible is the printing of t-shirts, which is what Drive By Press does. She listed a whirlwind of names that I could hardly scribble down correctly: Wolf Bat Studio; a print called"Apache Ice Cream Massacre"; Martin Mazorra and Cannonball Press; John Hancock; Evil Prints; Non Grata—a print and performance group. It was exciting to hear about these printmakers and their communities, their collaborations, their desire to communicate.
Taylor took over about halfway through; he's from Dallas, and met Kate about a week ago, which was surprising to learn, although they had corresponded for longer. Drive By Press was founded by Joseph Velasquez and Greg Nanney when they were in grad school at the University of Wisconsin at Madison about ten years ago as their thesis project. It has become a collective of artists, based in Texas/West Coast and New York, with a storefront just opened in Brooklyn in September called The Shop - Drive By Press - Fine Art Printing. Different printmakers operate under the Drive By Press name across the country, but basically all branches from the DBP Family Tree stem from connections to Joseph and Greg.
Taylor, who is from Dallas, was first captivated by Japanese Ukiyo-e prints (there's an exhibition of these at the Asian Art Museum in SF right now), which he colorfully described in his lecture as "Painting with knives almost—that's kind of badass." He went to Frogman's, a printmaking camp in South Dakota where he "sowed the seeds of community." Shortly thereafter, Drive By Press came to his college, and he met Joseph. Taylor had already begun participating in "teamwork to make the dream work" and realizing that printmaking was "greater than the sum of its parts." Joseph's visit added fuel to the creative fire. Another eye-opener for Taylor was Cannonball Press, who made a huge print that was "kind of like seeing pyramids for the first time," which inspired him to "Go Big or Go Home."
Ultimately, he and friends were able to clear out a space that was part of a bar they frequented and create Meme Gallery (now closed), where undergrads could show art. After two years, he finished college, then contacted Joseph, telling him he was ready to go on the road, and he became a part of DBP, learning "how to make art on the fly…where it's not comfortable." He learned to adapt so he could make art anywhere, even in an excruciatingly hot summer driving in a car with no air conditioning.
He loves traveling and sharing his love of print, "like bees do with pollen" and coming in, doing the Drive By thing, and moving on like "a gorilla in the mist."
After Joseph and Greg graduated, they continued to tour, primarily to academic settings, and were eventually contacted by Austin City Limits, Lollapalooza, and various bands, including Spoon. Kate was part of the touring at one point, now she has a shop in Oakland on San Pablo Ave near The Compound Gallery, and she will be teaching a workshop at the San Francisco Center for the Book in May. All that travel, said Kate meant, "lots of motels and lots of Burger King." She concluded the talk with a slide "Sleep Is the Cousin of Death," and said she stays up late carving. She encouraged the students to work hard because it takes "dedication to get there."
Drive By Press parked on our campus between the photo building and Macky Hall, our admin building. They have a Facebook page where they've posted one of their own pictures of our shop from this day. The page says they are promoting "growth and democratization of art through printmaking." Yes! (Addendum: CCA Printmaking now has a Facebook page, too!)
So hard to choose!
There is a thick felt pad on the bed of the press. The t-shirt is placed faced up, the block, inked by Kate with that large black roller (in the picture between them in the background), is placed face down. Presssure is applied as the shirt rolls through. This was a leisurely day for them; they often do events such as rock concerts, where they have two presses going and they print as fast as they can. $20 for a t-shirt they provide / $10 for a t-shirt you provide.
CCA Printmaking Co-Chairs: Michelle Murillo and Thomas Wojak
in front of a huge print on canvas brought by Drive By Press.
(detail from top, left)
Taylor rolled the t-shirt up with newsprint where, we were told it could stay for about two days or "put it on the dashboard of your car in the sun." The little direction card says it needs to be hung up to dry for 48 hours. You can see more designs on their website.
I unwrapped the shirt the next morning.
The sun began coming out as I unwrapped it…
Zoe always thinks everything is for her.


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FORT MILL, S.C. - This year, more than 22,000 women will be diagnosed with ovarian cancer and more than 250,000 will be diagnosed with breast cancer.
But a new genetic test can help determine someone's unique risk for developing the cancers and a Fort Mill woman believes this test saved her life.
After losing her mother to ovarian cancer at 48 and her sister to breast cancer at 41, Cheryl Scott's doctor suggested she get the genetic test to determine her risk. The test came back positive for the BRCA gene.
"That means I had a 50 percent chance in my lifetime of being diagnosed with ovarian cancer and an 80 percent chance of being diagnosed with breast cancer," Scott told Channel 9 news anchor Erica Bryant.
Scott chose to have a double mastectomy and her ovaries removed, now dropping her risk to only 2 percent. After taking these drastic measures to help ensure her own health, Scott wants to share her story in hopes of helping others.
"Honestly, this is my purpose now, to get the word out. I want to save lives," she says.
Scott encourages anyone who's had a close relative die from breast, ovarian or fallopian tube cancer to get tested, which is covered by most insurance plans.
"I really hope this empowers women that even if you don't do what I did, you need to know what's going on with your health."
Scott's daughter, who could have been at risk because of their family history, tested negative for the gene.
Read more about Scott's experience in an article she wrote here.
© 2019 Cox Media Group.


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Ankle Sprain Injuries
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Ankle sprains are caused by an unnatural twisting or force on the ankle bones of the foot, which may result in excessive stretching or tearing of one or more ligaments on the outside of the ankle. The severity of the sprain can impact the degree of damage as well as the type and duration of treatment. If not properly treated, ankle sprains may develop into long-term problems.
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GARFIELD, N.J.– The Garfield YMCA is offering a day of fun for city families on Saturday.
Healthy Kids Day, a YMCA initiative, runs from 11 a.m. until 2 p.m. It will feature fitness games; nutritional and environmental information sessions; drug and alcohol prevention workshops; music; raffles; and more.
That will be followed by a free, hour long family swim.
For more information, contact Darnell Benjamin (973) 928-2970 ext. 206.
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13-Jan-2013, the same day, a year before, I was blessed with a beautiful daughter, Deepika is her name. Now she is a year old. And we celebrated her birthday this day.
Morning we went to Murugan temple (Valliyur) and we had a pooja for her.
We have arranged for lunch at "New Life Home For Aged Destitutes". It's more than a year since we visited the home (previous visit). We have also invited few of our friends and our neighbours over there for the lunch.
We all went there for the celebrations. We had a small prayer followed by which we cut the birthday cake.
Deepika got blessings from the elderly people over there. And we all had the lunch.
Receiving the blessings from the elderly people over there, Deepika is hoping for a bright future.


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At Best: Twos show Humility (authentic self), loving themselves as they are and expressing needs in appropriate proportion to their giving. They embody the Higher Quality of Holy Freedom (flowing with life with no strings attached). Twos are naturally devotional -- giving themselves in loving service -- and gifted at cultivating relationships. Twos create happenings where everyone feels at ease enough to blossom.
Habits: When driven by Pride (inordinate inflation or deflation of self worth), Twos start Influencing: plucking on others' heart (ego) strings to get them to give the attention the Two needs. Focus of Attention: other people's needs, what others pride themselves on.
Twos Forget: Reality flows exactly as needed. Twos maneuver others into meeting their needs without the "shame" of having to ask directly. Twos do this through aggression towards their (unacceptable) true feelings and identity. Twos Believe: I must work hard to be loved in order to get my needs met; to be loveable, I must appear as having no needs. Twos shape-shift into the other's heart's desire. Twos feel good mainly when in the giving role and often resist directly receiving. Twos try to be indispensable and create dependencies, expecting their needs will be met tit-for-tat. They can get angry & histrionic when their hidden expectations for return giving are not met. Twos can be The (Too) Giving One by losing themselves self entirely or playing the martyr. Twos Excel: at spotting & nurturing potential in others, caring for people, and good communication skills. Twos tend to be very attentive and devoted to the ones they love.
If I could give you information of my life, it would be to show how a woman of very ordinary ability has been led by God in strange and unaccustomed paths to do In His service what He has done in her. And if I could tell you all, you would see how God has done all, and I nothing.
- Florence Nightingale
Type Two Personality Reflections
There is a natural flow of give-and-take happening constantly. Twos love "going with the flow" of life. All needs are attended to naturally in this flow. In some religions, this is what it means to follow God's will in humble service. Florence Nightingale – a likely Type Two – said if she could tell you everything, "you would see how God had done all, and I nothing."
Twos struggle with pride. Twos naturally attune to others' emotional needs. Twos habitually give attention to important others in a pleasing way. Others become increasingly dependent on the Two's attention. Twos then experience the power to influence others emotionally, the power to influence the flow rather than simply going with it. This is how the Two gets their needs met covertly: through the return giving others feel compelled to provide.
Some Twos please others by appearing childlike, no matter what their age. People tend to like receiving attention from innocence, and they naturally give in return. Other Twos flip this dynamic by taking on a motherly role and tending to the inner child of others. Both of these kinds of Twos tend to express entitlement to attention from others.
One Two recalled his days in the 1990s rave culture. "I was the 'mother hen' of our party crew, making sure everyone had enough water and candy and costume glitter. At the time, I'd get pissed off if friends brushed me off or asked me to 'chill out.' Looking back, I see how much I needed to be the caretaker. It felt good to feel needed."
Some Twos, particularly focused on interpersonal dynamics, please others seductively. The Two shape-shifts to appear as the heart's desire of the other. People tend to enjoy being the object of flirtation and flattery, and these Twos are masters of the art. All the shape-shifting, however, takes a toll: these Twos are less in touch with their true feelings. "I admit I like the challenge of the hunt," one Two reports. "But then even some of my friends end up falling in love with me. It gets me into drama because I don't feel the same way."
Twos focused in the social arena tend to be more ambitious. They like becoming indispensible to groups, connecting people in 'back-scratching networks' or being the 'power behind the throne' of key leaders. Twos in the social arena are also prone to spiritual pride – the martyr who sacrifices for the divine, while secretly keeping a heavenly scorecard.
The habits of pleasing and influencing imprison the Two in others' expectations for continued giving and in their own expectations for return attention. Humble submission to life's natural dance of give-and-take is freedom from all expectations.
Twos gift the collective consciousness with a willingness to attend sensitively to the needs of other people. When able to express what they need directly, and when living from a place of authenticity, the power of the Two to nurture the best in all of us is boundless.
Type Two Interview
This clip is from an interview with a representative Type Two. For the full set of interviews with all 9 types (about 20 minutes each), along with downloadable charts, check out this online course: Enneagram Interviews.
[embedyt] http://www.youtube.com/watch?v=vgVrwt-Hecw[/embedyt]


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All this talk of the Veronica Mars revival and the Boy Meets World sequel series have made me very happy, but it's also made me miss some of my other precocious kid-TV idols of the 90s. No pressure, Hollywood, but I would totally go see a movie update on…
Alex Mack
If you were a certain type of child TV fan, you've probably had to push down your feelings about Alex being just as deserving of a movie as Veronica. Please, guys, I miss Larisa Oleynik so much. Also, was this really the ending? It's so sad! What is this, Breaking Bad for the tween set?
Clarissa Darling
Melissa Joan Hart has a new book out called Melissa Explains It All, so I'm a little unclear on why we aren't already discussing a rom-com in which a former childhood know-it-all finds herself thrown by adulthood. Probably because she's still rocking a scrunchie at the crown daily.
The Ghostwriter Gang
Sometimes I feel like I'm the only one who remembers Ghostwriter, and that's a lonely way to feel. They have real movie-update potential: If they could solve so many crimes on a clunky PC, imagine what they could do with the smartphones of today! Also, I had such a crush on the one in the bandanna. Let's get him back here.
Kenan & Kel
I know Kenan and Kel already had a movie (sup, Good Burger), but since I imagine them having gone on to become the world's foremost fast-food moguls, I would love a Richie Rich-style flick about them, one that teaches a whole new generation who loves orange soda. (Kellllll loves orange soda.)
Michelle Tanner
OK, now I'm dreaming big—like, sell my soul to the devil in exchange for one crazy wish big—but just imagine what it would be like to see the adult twins playing grown-up Michelle in a Full House follow-up. As far as I can tell, Michelle would be a high-powered publicist and New York City's most eligible bachelorette, whose cool-girl cred is constantly threatened by her various wacky family members dropping in. And, yes, "family" includes Kimmie Gibbler, who would probably fall in love with the Naked Cowboy or something. I'm just spitballing here.
Which childhood TV favorites would you love to watch again?


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Hilton Hotels (which include Hilton, Conrad, Waldorf Astoria, Curio Collection, Hilton Garden Inn, etc.) is our preferred hotel chain. We love staying at full-service Hilton hotels like Conrad Hotels and Hilton Hotels. But there is definitely something to be said about the boutique and often historical hotels that fall under the Curio Collection. And the great thing about Hilton is you can almost always find a Hilton Garden Inn or Hampton wherever your travel might take you. Needless to say Hilton is very reliable and offers great value for their elite Hilton Honors members.
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American Express Delta Gold Card
We exclusively fly Delta Airlines. Why? Delta is reliable, they offer a good on-board experience and they fly almost everywhere. Yes, there are airlines like Allegiant, Frontier and Spirit that offer cheaper fares. But they also are known for mechanical issues and poor customer service.
So we fly Delta. And we almost always have a positive experience. That's why both of carry the American Express Delta Credit Cards (platinum and gold). The American Express Delta Gold Card is a great card to start with. This card offers a $50.00 statement credit and 30,000 bonus miles after you make $1,000 in purchases within the first three months. Delta Miles are valued at 1.2 cents per mile, so that means the sign-up bonus is worth at least $320. We've seen the sign-up bonus on this card increase to as much as 50,000 miles, so it might be worth waiting for an increased sign-up bonus before applying.
The Delta Gold Card comes with one free checked bag and priority boarding. Those benefits extend to everyone on your reservation. You'll also get 20% off all food and beverage purchases in-flight on Delta. Plus the Gold Card earns two miles per dollar on all Delta purchases and one mile per dollar on all other purchases. The American Express Gold Delta SkyMiles Credit Card has an annual fee of $95, but that fee is waived for the first year.
*Special Offer: Earn 50,000 Bonus Miles after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months.*
Click here to apply for the Gold Delta SkyMiles Credit Card.
Hyatt Credit Card by Chase
When we can't stay at Hilton hotels, our back-up hotel chain is typically Hyatt. We love staying at Park Hyatt Hotels (like the one in Melbourne, Australia) and Andaz Hotels and Resorts (like the Andaz Scottsdale Resort).
Hyatt Points remain some of the most valuable hotel points and we value them at almost 3 cents per dollar. The Hyatt Credit Card offers 40,000 Bonus Points after you spend $2,000 on purchases with the card in the first 3 months after you open your account. You'll also get 3 Bonus Points per dollar spent at all Hyatt hotels and resorts with the Hyatt Credit Card plus 2 Bonus Points per dollar spent at restaurants, on airline tickets purchased directly from the airline and at car rental agencies.
They Hyatt Credit Card does have an annual fee of $75. But the card comes with an annual free night certificate. You can use that certificate each year on your card member anniversary at any Hyatt Category 1-4 hotel. We've used that free night certificate each year at the Grand Hyatt in Seattle. Since the Grand Hyatt in Seattle is typically a 300 dollar a night hotel, it easily makes up for that annual fee of $75.
Starwood American Express Card
The Starwood American Express Card comes with a 25,000 point sign-up bonus after you spend $3,000 in the first 3 months. is card earns you 2 Starpoints per dollar at Starwood and Marriott properties and 1 point per dollar everywhere else. While that's not the most outstanding earning rate, Starpoints are the most valuable hotel points, worth well over two cents a piece, so this card could be a could option for non-bonus category spending. There's a $95 annual fee that's waived the first year, and this card waives foreign transaction fees. Starwood has some amazing properties including St. Regis Hotels & Resorts, W Hotels & Resorts and of course Starwood properties are now part of the Marriott umbrella.
Click here to apply for Starwood Preferred Guest Credit Card from American Express.


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BEST of both worlds
Perfectly located Accommodation between the heart of Surfers Paradise and the sophistication of Broadbeach's dining precinct.
Luxury Surfers Paradise Accommodation Beachfront
The Gold Coast is proud to be hosting the 2018 Commonwealth Games with more than 6600 athletes and officials from 70 Commonwealth Nations and Territories taking part in 11 days of competition running from the 4th to the 15th of April 2018. This is a once in a lifetime opportunity to witness some of the world's best athletes in action. Secure your Gold Coast accommodation for this world class sporting event now before it's too late. With events held throughout the Gold Coast you will find Surfers Paradise a central location to base yourself and we a part of this fantastic Gold Coast sporting event.
Book your Surfers Paradise accommodation for the 2018 Commonwealth Games at The Dorchester. With a great range of fully self contained standard, deluxe and superior apartments on offer, there is sure to be one that is perfect for your needs. All apartments feature well equipped kitchens, modern decor and furnishings and balcony. Choose ocean view apartments to enjoy stunning views over the beach and surf of this centrally located Gold Coast resort. After a busy day cheering on the Aussies, return to your accommodation in Surfers to enjoy the great range of onsite facilities. Take a dip, either in the ocean (we are located right on the sand) or in the heated swimming pool before enjoying relaxed dining poolside in the outdoor bbq dining and lounge area.
Hurry, with so many people expected to be heading to the Gold Coast for this fantastic sporting event, accommodation is sure to fill fast. Ring us today to secure your Surfers Paradise accommodation for the 2018 Commonwealth Games on the Gold Coast.
Perfectly located Accommodation between the heart of Surfers Paradise and the sophistication of Broadbeach's dining precinct.


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Private Client Tax Senior - Regional Accountancy Practice - Derby - Up to £30,000 - Excellent Development Role
Your new company
This reputable multi-office practice based in Derby are seeking a new Personal Tax / Private Client Senior to assist their strong private client portfolio. The accountancy practice has an excellent reputation in the local marketplace for providing high quality tax compliance and advisory services for a broad cross-section of clients.
Your new role
The role will involve dealing with all aspects of the annual tax compliance cycle for HNWIs, serial entrepreneurs and owner-managed businesses, partnerships, trusts, and P11Ds.
Some experience of preparing unincorporated accounts and rental income/expense accounts would be ideal.
There will also be the opportunity to get involved in inheritance tax and advisory work, either by virtue of previous demonstrable experience, or the willingness to learn and develop in these areas.
What you'll need to succeed
Successful applicants must be able to demonstrate:-
- Previous personal tax experience within a practice environment
- ATT and/or CTA qualified.
- Strong communication skills.
- Ability to spot advisory/commercial opportunities.
- Comfortable working independently or as part of a team.
What you'll get in return
- Salary up to £30,000 dependent upon experience.
- Professional study support for the right candidate
- Occupational pension scheme (3% government limit)
What you need to do now
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now.
If this job isn't quite right for you but you are looking for a new position, please contact us for a confidential discussion on your career.
Hays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at hays.co.uk


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Google Search has added a feature that will streamline the process of searching for a college.
For high school students, finding the right four-year college can be a difficult task. Despite the abundance of information available online, it's hard to know how to navigate admissions information, financial aid resources, and more.
And as college tuition rates continue to rise, prospective students are more concerned about the value they are receiving from their college education. But overwhelmed students might find unexpected relief from the popular search engine Google. Google Search is adding a new feature that aims to streamline the process of searching for the right college according to TechCrunch.
On June 12, the company announced that when users search Google for a four-year university, they will automatically receive information about admissions, campus life, graduation rates, and tuition rates. Students can also learn what SAT and ACT scores different schools looks for. This information will help students quickly rule out options that don't seem to be the right fit.
Reasons Behind the Tool
Google executives cited a 2015 analysis from New America's Education Policy Program, which found that 63 percent of prospective students feel overwhelmed when researching potential colleges and financial aid programs.
Google product manager Jacob Schonberg wrote a recent blog post acknowledging that searching for the right college can be a challenging process. Schonberg wrote, "Information is scattered across the internet, and it's not always clear what factors to consider and which pieces of information will be most useful for your decision."
How Does It Work?
When students use the Google search feature, they'll receive the average cost for college after financial aid. They can also view a detailed summary broken down by household income.
And for students who are curious about a college's success rates, Google will show the average student's income 10 years after graduation. The search engine will also display facts about notable alumni, the student body, and will recommend similar colleges to help students expand their options.
According to Schonberg, four-year schools will automatically be added to the new search feature. Google said this information is publicly available from the U.S. Department of Education's College Scorecard and Integrated Postsecondary Education Data System.
Even with easier access to this information, prospective students should still do their own research. Finding the right college is a decision that is too important to leave solely in the hands of Google.


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Administrative Conference of the United States
Assembly of the Administrative Conference of the United States, 31290-31291
Daily Rules, Proposed Rules, and Notices of the Federal Government
Vol. 77, No. 102
Friday, May 25, 2012
Assembly of the Administrative Conference of the United States, 31290-31291
See Animal and Plant Health Inspection Service
See Forest Service
See Foreign Agricultural Service
See National Agricultural Statistics Service
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
National Poultry Improvement Plan, 31292-31293
Importation of Papaya From Colombia and Ecuador, 31294-31295
Importation of Live Poultry, Poultry Meat, and Other Poultry Products From Specified Regions, 31293-31294
See Engineers Corps
Information on Surplus Land at Military Installations Designated for Disposal:
Fort Tilden U.S. Army Reserve Center, NY, 31339-31339
Board of Visitors, United States Military Academy, 31339-31340
See Committee for Purchase From People Who Are Blind or Severely Disabled
Board of Scientific Counselors, National Center for Health Statistics; Cancellation, 31359-31359
Disease, Disability, and Injury Prevention and Control Special Interest Projects, 31358-31359
Medicare and Medicaid Programs:
Announcement of the Re-Approval of the Joint Commission as an Accreditation Organization, etc., 31359-31361
Medicare and Medicaid Programs; Applications:
Community Health Accreditation Program for Continued Approval of its Hospice Accreditation Program, 31362-31364
American Osteopathic Association/Healthcare Facilities Accreditation Program for Approval of Ambulatory Surgery Center Accreditation Program, 31361-31362
Medicare Program; Approved Renewal of Deeming Authority:
Utilization Review Accreditation Commission for Medicare Advantage Health Maintenance Organizations, etc., 31364-31366
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Safety Zones:
Temporary Change for Recurring Fireworks Display Within Fifth Coast Guard District, Pamlico River and Tar River; Washington, NC, 31183-31186
Security Zones:
USS MISSISSIPPI Commissioning; Pascagoula Harbor and Pascagoula River; Pascagoula, MS, 31186-31188
Special Local Regulations; Safety Zones:
Recurring Events in Captain of the Port Long Island Sound, 31188-31190
See International Trade Administration
See National Institute of Standards and Technology
See National Oceanic and Atmospheric Administration
See Army Department
See Engineers Corps
Task Force on Care, Management, and Transition of Recovering Wounded, Ill, and Injured Members of the Armed Forces, 31337-31338
Importers of Controlled Substances; Applications:
Alltech Associates, Inc., 31387-31388
Importers of Controlled Substances; Registrations:
Meridian Medical Technologies, 31388-31389
Capricorn Pharma, Inc., 31388-31388
Manufacturers of Controlled Substances; Registrations:
Mallinckrodt, LLC, 31391-31392
PCAS-Nanosyn, LLC, 31390-31390
Sigma Aldrich Research Biochemicals, Inc., 31390-31391
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
See Federal Energy Regulatory Commission
Energy Conservation Program:
Test Procedures for Residential Dishwashers, Dehumidifiers, and Conventional Cooking Products (Standby Mode and Off Mode), 31444-31477
Applications to Export Electric Energy:
Intents to Grant Partially Exclusive Licenses:
Soluble Salt Produced From a Biopolymer and Process for Producing the Salt, 31340-31340
Proposed Reductions in Levels of Service at Locks and Dams on Ouachita and Black Rivers,
Soluble Salt Produced From a Biopolymer and Process for Producing the Salt, 31340-31340
California State Implementation Plan:
Revision to the South Coast Air Quality Management District South Coast Rule 1315, 31200-31215
National Oil and Hazardous Substances Pollution Contingency Plan:
National Priorities List; Partial Deletion of the Ellsworth Air Force Base Superfund Site, 31215-31216
Approvals and Promulgations of Air Quality Implementation Plans:
Florida; Regional Haze State Implementation Plan, 31240-31262
Approvals and Promulgations of Implementation Plans:
Kentucky; Louisville; Fine Particulate Matter 2002 Base Year Emissions Inventory, 31262-31265
Ohio; Volatile Organic Compound Emission Control Measures for Cleveland Ozone Nonattainment Area, 31265-31268
Determination Regarding Applicability of Clean Air Act Requirements:
Arizona; Determination of Attainment for the Paul Spur/Douglas PM10 Nonattainment Area, 31268-31274
Adequacy Determinations for Transportation Conformity Purposes:
Colorado; Aspen PM10 and Fort Collins Carbon Monoxide Maintenance Plans' Motor Vehicle Emissions Budgets, 31351-31352
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Worker Protection Standards for Hazardous Waste Operations and Emergency Response, 31352-31353
Assessments of Potential Mining Impacts:
Salmon Ecosystems of Bristol Bay, AK, 31353-31355
Cancellation Orders for Amendments to Terminate Uses:
Aldicarb; Correction, 31355-31355
Environmental Impact Statements; Weekly Receipt,
Aldicarb; Correction, 31355-31356
Pesticide Products; Receipt of Applications to Register New Uses,
Aldicarb; Correction, 31356-31357
Proposed Agreements Under Comprehensive Environmental Response, Compensation and Liability Act:
Airworthiness Directives:
The Boeing Company Airplanes, 31167-31169
Piper Aircraft, Inc. Airplanes, 31169-31172
Bombardier, Inc. Airplanes, 31174-31175
Bell Helicopter Textron Canada Limited Helicopter, 31172-31174
Rolls-Royce, PLC Turbofan Engines, 31176-31178
Standard Instrument Approach Procedures, and Takeoff Minimums and Obstacle Departure Procedures,
The Boeing Company Airplanes, 31178-31182
Major Disaster Declarations:
Vermont; Amendment No. 9, 31371-31371
Proposed Flood Hazard Determinations,
Duke Energy Carolinas, LLC, 31345-31345
Grand Valley Irrigation Co., 31344-31345
Combined Filings,
Grand Valley Irrigation Co., 31345-31347
High Prairie Pipeline, LLC v. Enbridge Energy, LP, 31347-31347
Environmental Impact Statements; Availability, etc.:
MPP Project, Tennessee Gas Pipeline Co., L.L.C., 31347-31348
Section 106 Consultation; Boott Hydropower, Inc., 31348-31348
Post-Technical Conference Comments:
Midwest Independent Transmission System Operator, Inc., 31348-31349
Preliminary Permit Applications:
Coastal Hydropower, LLC, 31349-31350
Records Governing Off-the-Record Communications,
Commercial Driver's License Standards:
Daimler Trucks North America Exemption Application, 31422-31423
Qualifications of Drivers; Exemption Applications:
National Association of the Deaf, 31423-31427
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Environmental Impact Statements; Availability, etc.:
Draft Comprehensive Conservation Plan, Hart Mountain National Antelope Refuge, Lake County, OR, 31379-31381
Guidance for Industry; Availability:
Meetings with Industry and Investigators on Research and Development of Tobacco Products, 31368-31371
Applications for Reorganization Under Alternative Site Framework:
Foreign-Trade Zone 41, Milwaukee, WI; Expansion of Service Area, 31307-31308
Applications for Reorganization/Expansion Under Alternative Site Framework:
Foreign-Trade Zone 36, Galveston, TX, 31308-31308
Expansions of Manufacturing Authority:
Foreign Trade Zone 45—Portland, OR; Epson Portland, Inc., 31308-31309
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
See Centers for Disease Control and Prevention
See Children and Families Administration
See Food and Drug Administration
See Coast Guard
See Federal Emergency Management Agency
Public Workshops:
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Rural Housing Stability Program Registration, 31374-31375
Rural Housing Stability Assistance Program and Grant Applications, 31375-31376
Buy American Exceptions Under American Recovery and Reinvestment Act of 2009,
Rural Housing Stability Program Registration, 31376-31376
Federal Properties Suitable as Facilities to Assist Homeless,
Secretarial Commission on Indian Trust Administration and Reform, 31378-31379
U.S. Extractive Industries Transparency Initiative Tribal Consultation, 31377-31378
Electronic Tax Adminstration Advisory Committee, 31441-31442
Final Withdrawal of Regulations:
Imports of Cotton Woven Fabric and Short Supply Procedures, 31182-31183
Preliminary Determinations of Sales at Less Than Fair Value, Postponements of Final Determinations, etc.:
Crystalline Silicon Photovoltaic Cells From People's Republic of China, 31309-31324
See Employment and Training Administration
See Occupational Safety and Health Administration
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Settlement Agreements Between a Plan and Party in Interest, 31392-31393
Labor Advisory Committee for Trade Negotiations and Trade Policy, 31393-31393
Competitive Coal Lease Sales:
Environmental Impact Statements; Availability, etc.:
McCoy Solar Energy Project and Possible Land Use Plan Amendment, Riverside County, C\A, 31386-31387
Requests for Administrative Waivers of the Coastwise Trade Laws:
Charter Renewals:
Opening of Materials:
National Fire Codes:
Environmental Impact Statements; Availability, etc.:
Replacement of NOAA National Marine Fisheries Service Southwest Fisheries Science Center in La Jolla, CA, 31326-31327
South Atlantic Fishery Management Council, 31330-31332
Mid-Atlantic Fishery Management Council, 31332-31333
Northeast Fisheries Science Center, Woods, Hole, MA; Workshop, 31329-31329
Pacific Fishery Management Council, 31327-31329
North Pacific Fishery Management Council, 31329-31330
Taking and Importing Marine Mammals:
Taking Marine Mammals Incidental to Navy Training Exercises in Three East Coast Range Complexes, 31333-31335
Applications and Amendments to Facility Operating Licenses:
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Temporary Labor Camps Standard, 31395-31396
Reports of Injuries to Employees Operating Mechanical Power Presses, 31396-31398
National Advisory Committee on Occupational Safety and Health, 31398-31399
Hazardous Materials:
Harmonization With United Nations Recommendations on Transport of Dangerous Goods, 31274-31289
Remanded Biological Opinions on Coordinated Long-Term Operations:
Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Report of Extension of Credit to Political Candidates, 31432-31433
Advisory Committee on Small and Emerging Companies, 31409-31410
Self-Regulatory Organizations; Proposed Rule Changes:
C2 Options Exchange, Inc., 31418-31420
International Securities Exchange, LLC, 31411-31413
Chicago Mercantile Exchange, Inc., 31416-31418
NASDAQ OMX BX, Inc., 31413-31415
Suspension of Trading Orders:
Savoy Resources Corp., SNRG Corp., Standard Mobile, Inc., and VTEX Energy, Inc., 31420-31420
Advisory Committee on Veterans Business Affairs, 31420-31420
Culturally Significant Objects Imported for Exhibition Determinations:
Alighiero Boetti, Game Plan, 31420-31420
See Federal Aviation Administration
See Pipeline and Hazardous Materials Safety Administration
See Federal Motor Carrier Safety Administration
See Federal Railroad Administration
See Research and Innovative Technology Administration
See Comptroller of the Currency
See Fiscal Service
Financial Institutions of Primary Money Laundering Concern:


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Palm Sunday Good Samaritans
A Warwick Valley Dispatch reader sent us a note recently to offer her thanks to two good Samaritans who saved her from an uncertain tragedy. These two ladies were walking in the Warwick Grove neighborhood when they smelled gas near a home. They called the Warwick Police and Fire Company and then knocked on the door and escorted the owner out of the property.
Orange & Rockland arrived and told the homeowner that the gas level outside her basement was off the charts and had the gas not escaped from the basement, she could have been become very sick and possibly died from the gas fumes.
Police and fire personnel, along with Orange & Rockland responders, determined that the leak was caused by a crack in the furnace. They tried in vain to help the homeowner get someone out that day to fix it but with no luck. She was able to stay with friends until the furnace could be repaired on Monday.
The homeowner never got the ladies names but wanted to express her thanks in the hopes that they read the Warwick Valley Dispatch.


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Waiting on Wednesday is hosted by Jill at Breaking the Spine, where bloggers post about much-awaited releases!
Title: Me, Him, Them, and It
Author: Caela Carter
Release Date: February 5th 2013
Release Date: February 5th 2013
Publisher: Bloomsbury
When Evelyn decided to piss off her parents with a bad reputation, she wasn't planning to ruin her valedictorian status. She also wasn't planning to fall for Todd-the guy she was just using for sex. And she definitely wasn't planning on getting pregnant. When Todd turns his back on her, Evelyn's not sure where to go. Can a distant mother, a cheating father, an angry best friend, and a (thankfully) loving aunt with adopted daughters of her own help Evelyn make the heart-wrenching decisions that follow?
This one has me curious because I've never read a book about teenage pregnancy, and also because I personally know quite a lot of teenage moms. Yeah, I guess I'm just really curious, and it's also been getting positive reviews.
(cover and summary from Goodreads.com)


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Anxiety Across The Lifespan
Event Date
June - 18th & 19th
Event Time
9am – 4:30pm
Event Location
Bright HQ Suite 3A, 54 Vernon Terrace, Teneriffe 4005
Why take this workshop?
- It is only open to health care practitioners who work with clients on a one-to-one basis.
Dr Caroline O'Donovan is a highly credentialed academic, educator, and practitioner.
- It is limited to a small group size (max 30 participants) so that individualised attention can be provided.
You will come away with skills that can be directly applied in your clinical practice.
- It is a skills-based hands-on program that will include supervised role-play activities to assist skill development.
- Any workshop sponsored by the 4life Psychology Centre has to challenge, engage and extend its participants. All our services come with a money back guarantee. If you do not feel that you got what was advertised, tell us and we will give you a full refund.
- It provides outstanding value for money. We are luck that Caroline lives in Brisbane and this has enabled us to pass on the cost saving associated with travel and accommodation to participants. At a rate of $40 per CPD point this workshop represents great value.
Presenter: Dr. Caroline Donovan
Dr Caroline Donovan is a clinical psychologist and has been a lecturer in the School of Applied Psychology at Griffith University since 2008. She specialises in child anxiety disorders, adolescent depression and eating issues. Caroline has a particular interest in the development, empirical testing, and dissemination of internet-based therapy and in particular, the BRAVE programs for youth anxiety. Behind her interest in the youth area is a strong belief in the value of prevention and early intervention. Through preventing and treating psychological disorders in youth, problematic trajectories towards adult mental health issues can be averted.
Cost: $490 (Early Bird: $440)
PD Points: 12


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Wednesday, April 11, 2012
4 comments:
They say, "mind over matter" and it certainly worked for you. Attitude is 99% of the battle.ReplyDelete
AND your photos are exquisite.
Carolyn S
- AnonymousApril 11, 2012 at 4:09 PM
I try to remember that your outlook can change if instead of stop, drop and roll when you're on fire, you stop, smile and live when you're in a negative spiral :). Love all your water drops!ReplyDelete
Stay inspired!
i think consistency is the key...not always easy, so give yourself a huge pat on the back! hopefully you'll be on a wonderful roll and have uplifting positive days for a very long time!!ReplyDelete
I actually think that you already do "real art"!ReplyDelete
Those positive thoughts certainly can brighten your day and help you to BE more positive. I'm glad that it has worked for you and will further do so. Your photos are fantastic, Patty!


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Beneath are outlined a number of the most common varieties of bonsai tree, grouped by their appropriateness for either indoor or outdoor environments:[one]
But let us target to start with around the cheap and medium-high-quality substance. The price of the Bonsai depends on several aspects, most noteworthy age and style.
Switching the fertilizer formula you employ, can make an incredible distinction in the response of your respective bonsai!
Marketed Phoenix GraftA great piece of sunbleached rocky mountain juniper brought to lifestyle with an implanted shimpaku juniper
A vital A part of information regarding how you can develop a Bonsai tree is its upkeep and care. Even though Each and every tree species has particular care guidelines (make sure to examine these in your Bonsai!), During this aspect I will discuss a number of the Principles, beginning with watering.
A less expensive, but sluggish method is always to cultivate a tree yourself; making use of seeds or cuttings. It will eventually Commonly take all around 3-5 many years prior to the tree is often experienced, so you may want to do this for a aspect undertaking (and purchase a preBonsai to start out with training techniques presently now).
Also, avoid making use of fertilizer for the initial quite a few weeks as the chemical compounds in the feed could problems your fragile seedling's roots. Continue reading for an additional quiz question.
Go with a tree whose organic form lends alone into the pruning and/or shaping plan you take note of. (Several bonsai are made to seem as whenever they had been an adult tree, together with proportion, condition, and foliage.) Notice that if you end up picking to grow your bonsai tree from a seed, you'll have a chance to Management your tree's advancement in nearly each and every stage of its growth. Having said that, it may take around 5 years (depending upon the species of tree) for any bonsai tree to increase from a seed right into a comprehensive-grown tree.[2] For that reason, if you're keen on pruning or shaping your tree immediately, you'll be much better off buying a developed plant.
Not for sale, and won't ever be. This tree has become educated into a Bonsai for nearly four hundred several years, the result of 6 generations of effort and persistence by the Yamaki family.
Can you utilize regular natural and organic potting soil when re-potting (with the layer of coarse sand at the quite bottom)?
Pomegranate has become the nicest fruit trees and least complicated a single to make right into a bonsai. Mainly because it has shallow root procedure it adapts nicely to bonsai society. This sturdy plant with eye-catching bark, gorgeous red flowers, and lovely fruits seems magnificent.
We use cookies to ensure that we give you the best practical experience on our website, which means you can easily utilize the site and its read more functionalities. If you proceed to work with this site you accept the use of cookies. You'll be able to delete cookies or reject them in your own browser settings.Ok
You might want to put in mesh screens above the pot's drainage holes to prevent soil erosion, which happens when drinking water carries soil out of your pot via the drainage holes.
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text: Home > Press Room > ABA to Congress: Regulations Should be Tailored to a Banks' Risk and Business Model Print Twitter Facebook LinkedIn Email Add to Favorites For Immediate Release June 15, 2017 Secondary Page ContentABA Media Contact: Jeff Sigmund(202) 663-5439Email: email@example.com us on Twitter: @ABABankers ABA to Congress: Regulations Should be Tailored to a Banks' Risk and Business Model Page ContentWASHINGTON — Tailored regulation "encourages a diversity of business models while providing a regulatory program best adapted to the risks of each bank," according to a statement for the record the American Bankers Association submitted ahead of today's Senate Banking Committee hearing entitled, "Foster Economic Growth: Midsized, Regional and Large Institution Perspective." ABA's statement also emphasized that regulatory asset thresholds of any type are "arbitrary and a poor substitute for effective regulatory policy." "Since the enactment of the Dodd-Frank Act and its statutory size thresholds, banking regulators have relied heavily on the single criterion of asset size of financial institutions as a proxy for systemic risk, creating regulatory 'cliffs' whereby all institutions over a certain size are regulated and supervised the same," ABA said. "Although size-only regulation may be a simpler method for supervising financial institutions, it is inappropriate and needlessly burdensome for many financial institutions with noncomplex operations and business models, thereby increasing costs and reducing products and services available to bank customers. In short, economic growth in our communities suffers." ABA stressed that what is needed are better overall principles for bank regulation. "The best solution is to tailor regulations according to the risks and business model of the bank," ABA said. "This is the most effective model for bank regulation because it encourages diversity of business models while providing a regulatory program best adapted to the risks of each bank. Pending legislative action, the regulators should use their discretion under current law to tailor regulations appropriately." Today's hearing comes one week after ABA Chairman Dorothy A. Savarese called for targeted, sensible changes to financial regulation when she testified before the Committee. For a copy of ABA's full statement for the record, please click here. The American Bankers Association is the voice of the nation's $17 trillion banking industry, which is composed of small, regional and large banks that together employ more than 2 million people, safeguard $13 trillion in deposits and extend more than $9 trillion in loans. ### Contact


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"Sometimes the wrong choices bring us to the right places."
With nearly 10 years of experience within the merchant services industry as an independent sales professional, I have signed many merchant accounts based not just on the professional competency and competitive proposals that I've bought to the table, but also based on the fact that the merchant flat out made the "wrong choice" when they signed with their previous Merchant Service Provider (MSP). Many merchants just make the wrong choice in choosing one particular MSP over another—choosing companies with poor customer service or malfunctioning terminals, to ones that charge the merchant $100 a month on a 24 month lease for a terminal that wholesales for $350. However, while said mentioned issues are bad, what's also bad is accepting a non-competitive bundled rate structure from an MSP when there is another more transparent, fair and balanced structure available.
The Series Continues
This is part two of a three part series that explains , how, through the power of knowledge, a small merchant can fully comprehend the rates they are being quoted, negotiate rates that are being quoted, understand the best rate structure to utilize, and process transactions in a way such that most transactions are falling in the lowest interchange tier.
During part one, we took a look at the definition of interchange and how you as a small merchant can keep up on all of the interchange wholesale price charts as they are released in April and October of every year. For this second edition, we want to look at the different rate structures that your MSP can utilize for the pricing of your merchant account, and how only one structure provides true transparency.
Six Different Structures
When quoting rates for a merchant account, an agent representing an MSP usually has the choice of six different pricing structures. Only one structure is transparent in terms of educating the merchant on how the pricing works and how much their MSP is making in revenue. The other five structures are bundled and opaque, not allowing a merchant to truly understanding how pricing functions and how much their MSP is making revenue off of their processing volume. This makes it nearly impossible for a merchant to accurately shop processing rates in the marketplace.
The Best Structure: Interchange Plus Pricing
To understand what a bad pricing structure is, you have to first understand what a good pricing structure looks like. Interchange Plus Pricing, also referred to as Cost Plus Pricing or IC Plus Pricing, is a pricing structure where your MSP will pass through all of the interchange base costs (which are set by card brands such as Visa and MasterCard), and then you pay a basis point markup to your MSP. It's basically as the name describes: Interchange Plus.
As mentioned in part one, you can find the Visa Interchange Chart here and the MasterCard Interchange Chart here. So for example, let's say you receive a $200 transaction on a Visa consumer rewards card that lands under interchange category CPS/Rewards 1. This category has a base cost of 1.65% + $0.10. Let's say your MSP adds in 30 basis points along with 10 cents for revenue. You would end up paying a total of $4.10 for this transaction, $3.40 of which would go to interchange and 70 cents would go to your MSP.
Interchange Plus Pricing is the most transparent pricing structure available as it provides full visibility over all of the following important aspects:
- The types of cards that you receive from your customer base. The types of card types that you could receive are regular consumer, consumer rewards, business and international credit cards, as well as offline/signature debit cards (also known as check cards).
- What you are paying in interchange base costs for the types of cards you receive.
- What you are paying your MSP for their basis point addition to the interchange base costs of the types of cards you receive. Note the only aspect that's negotiable would be that of the MSP's basis point addition to interchange as you cannot negotiate the base costs of interchange. But by having this knowledge, you are truly equipped to shop your processing costs between MSPs.
Bundled Structures
Now that we understand the best and most transparent pricing structure, we must now discuss the other five structures which are not only confusing, but give you absolutely no way to truly shop/compare rates between MSPs. Merchants have long been confused with the pricing structures of merchant accounts and would try shopping one bundled rate structure against another, often choosing the MSP with the lowest "fixed rate", even though the truth of the matter is that "fixed rate" would only qualify for the lowest risk transactions on interchange, while all other transactions (which ends up being most of your transactions) downgrade into rates that are very expensive. This entire process just leaves merchants confused and frustrated when trying to decipher their processing costs.
With bundled structures, an MSP will take all regular consumer cards, consumer reward cards, business cards, international cards, and offline/signature debit cards and price them all at one flat percentage based on an aggregate estimate of interchange. You as a merchant will have no idea what types of cards you receive from your customers, what the interchange base costs are for said cards, nor what your MSP is making in revenue off said transactions. The bundles will manifest in five different structures:
2-Tier: You will get a flat qualified rate and a non-qualified rate. The qualified rate is going to be for your regular consumer cards and offline/signature debit cards and all other cards including the consumer rewards, business cards and international cards will be priced under a flat non-qualified rate. Note, your regular consumer cards and offline/signature debit cards could downgrade to non-qualified if you do not complete certain required batch procedures, such as batching out within a 24 hour timeframe. Also, if you are a Card Present merchant (which means most of your transactions are swiped) then expect your key-entered and e-commerce transactions to be listed under non-qualified as well.
3-Tier: You will get a flat qualified, mid-qualified, and non-qualified rate. The qualified rate will again be your regular consumer cards and offline/signature debit cards, but the mid-qualified rate will now be your consumer reward cards, while non-qualified will be your business cards and international cards. The same principle above applies—if you don't batch within a particular time frame then your qualified and mid-qualified transactions could downgrade into the non-qualified rate category, same as if you are a Card Present merchant and receive some key-entered and e-commerce transactions.
4-Tier: Same as 3-Tier, but instead you will get a flat qualified, mid-qualified and non-qualified rate, as well as a special rate for offline/signature debit cards (also called check cards).
6-Tier: Same as 4-Tier where you will get a flat qualified, mid-qualified and non-qualified rate, as well as a special rate for offline/signature debit cards (also called check cards), but you will also will get a special rate for business cards and a special rate for international cards.
Enhanced Bill Back: This bundled structure is by far the worse of the five bundled options. With this structure you are going to receive a qualified rate which will usually include the regular consumer cards and the offline/signature debit cards, but then all other cards will be put into a "bill back bucket". The bill back bucket will vary between MSPs, but usually you will pay the interchange related cost of all of the other cards that fall here, plus an additional surcharge that might be anywhere from 1% – 2%. MSPs might set the qualified rate at 1.75% and the bill back bucket at 2%, which confuses merchants into thinking they are on a 2-Tier pricing structure with non-qualified transactions at 2%, but that's certainly not the case.
In the final edition of the series, I will conclude this discussion by going into more information on how your business can be structured in such a way to qualify for the lowest interchange pricing, as well as information on how certain industries receive special interchange pricing structures.
Read Previous: How Your Business Can Save Money on Interchange "Swipe Fees": Part 1
John Tucker is Managing Member of 1st Capital Loans LLC, as well as an M.B.A. graduate and holder of three bachelor's degrees in Accounting, Business Management and Journalism. Tucker has over 9 years of professional experience in Commercial Finance and B2B Sales. Connect with Tucker on LinkedIn by clicking here, or contact Tucker at email@example.com or at 586-480-2140.


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Thinking ahead on a busy Saturday of household chores and errands, yesterday I pulled out of the freezer a half-pound salmon fillet to thaw in the fridge during the day. Whenever salmon is on sale, I pick up several extra fillets, and pop them in the freezer. From my TV segment last Tuesday, I had some peach-mango preserves on hand, and I thought – ah-ha, perfect combo!!! But I added some red onion to provide a contrast with the sweetness of the preserves. This was an experiment!!
Saturday Night's Slightly-Sweet Salmon
8 ounces fresh salmon fillet
2 tablespoons peach-mango preserves
1/4 medium red onion, finely diced
Preheat oven to 375 degrees. Assemble ingredients. I like to place the salmon fillet skin side down on foil – don't spray the foil. You want the skin to stick to the foil, and the top cooked part of the salmon just easily comes up. Then roll up the foil with the skin and throw away!!
Spread the preserves over the top of the fillet. Then sprinkle evenly with the onion. Pop into oven and bake about 15 minutes or until the salmon flakes easily with a fork. Let rest at room temperature for a few minutes before serving.
The fillet looked beautiful – love the colors! And the taste was excellent. We both absolutely loved this dish. Just served a large salad as the side.
Nutrition Note: Usually I serve a starch with the salmon and salad… brown rice, baked potato or pasta tossed with olive oil. BUT it was Saturday night and we had decided to watch a movie, so that meant popcorn. In the interest of being reasonable with calories, I bypassed the starchy side at dinner to accommodate the popcorn calories later in the evening. It's ALL about balance and a little planning!


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Arroyo, Bimón, Bustasur, La Aguilera, Las Rozas...
Las Rozas de Valdearroyo is a municipality of Cantabria province. It includes the areas of Arroyo, Bimón, Bustasur, La Aguilera, Las Rozas, Llano, Renedo and Villanueva. It has a population of 282 people.
International buyers make up 3.9% of the property market and the population of Las Rozas de Valdearroyo has fallen by 43 (13%) since 2000.
Market activity in Cantabria province is currently 66% below its peak in 2006. There were 1,388 property transactions registered in Q1 2018.
Average monthly temperatures in Las Rozas de Valdearroyo (°C)
These prices are calculated at the start of each month based on the median prices of all properties listed with Kyero. We provide international buyers with over 200,000 properties from 3,000 agents for sale and to rent throughout mainland Spain and the islands.


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Saturday, January 14, 2017
It's Time To Stream Some Music
Once Chromecast was plugged into the RCA V-AUX outlet on my system all I had to do is register it online and begin streaming music directly from my laptop. Installation is easy even for those of us who are not tech savvy. Now I can play streamed music through my Klipsch floor speakers in beautiful, room filling, clarity.
There are additional ways to plug Chromecast Audio into traditional speakers (what some people now call "dumb" speakers) and equipment so you can use it virtually with any kind of setup. You can enjoy Chromecast by using apps downloaded to your phone or ipad or on a laptop or desktop computer.
Chromecast Audio is inexpensive too. It lists at $35, but my wife purchased one at Best Buy for only $25. You can't buy it from Amazon because the online shopping giant considers it competition for their own Echo. I'm using it to replace my Sirius/XM subscription that was now surpassing $100 per year and because there are so many streaming sites available I have far more opportunities to hear a lot of different music.
Labels: Radio, Technology
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I love my Interfit EX150 Mark II studio strobe kit and I'd happily sing its praises to any budding studio photographer, but I was getting steadily more frustrated with my amateur setup. I've been using a PC sync cable to connect my camera to one of my EX150 strobes, and the second strobe is using it's inbuilt light sensor to fire when it senses the light from the first strobe.
This setup is far from ideal, as the PC sync cord often gets tangled and pulled out of the camera. It's also a problem if there is too much ambient light in the room, as the light sensor on the second EX150 doesn't sense the first flash and the second strobe doesn't fire.
So I decided that I needed to bite the bullet and get myself a set of remote flash triggers. After a quick look through www.WarehouseExpress.com I ended up browsing the cheap Chinese imports on eBay.
Don't get me wrong, I'm not a big fan of eBay these days. Second-hand camera equipment often sells for close to shop prices and I've even seen people bid more for a battered old lens than they could have bought a brand new one for. It's a shame more people don't check www.camerapricebuster.com before they bid, they could save themselves a lot of trouble and get themselves a 12 month warranty to boot.
But ebay comes into its own with sellers based in the far-east, shipping cheap Chinese electronics directly to your door. It's worth noting that eBay isn't the only option, there's also www.dealextreme.com and www.focalprice.com.
I decided on the Yongnuo RF-602 wireless triggers, they can act as remote flash triggers for studio strobes, and they also have hot shoe mounts for remotely triggering camera flash units, and it can act as a remote shutter release as well. Sounds good yeah? Wait, it gets even better, I found a transmitter and four receivers for £57.25 including p&p… what a deal!
The kit arrived 10 days later, I've never paid duty when ordering from China but I don't know whether I've just been lucky or if it's common practice not to pay import tax on small items. If you know any more, please tell all.
The package included four RF-602RX receivers and one RF-602TX transmitter, there were also eight AAA batteries, one CR2 lithium battery for the transmitter, four cables (receiver to 3.5mm jack) and four 3.5mm to 6.35mm adapters. I also bought an extra cable to allow me to connect a receiver or transmitter to my 7Ds remote terminal.
So far so good. I've received everything in one piece and it feels well made and solid, so it's time I stopped messing around and tried them out.
I decided to shoot a self portrait of myself posing as Clint Eastwood from Dirty Harry (don't ask…), so I had an RF-602RX plugged into each Strobe using the supplied 3.5mm cables and an RF-602RX connected to my Canon 7D via the remote contol terminal.
When I pressed the trigger on the RF-602TX both flashes fired and the camera took the picture, but when I checked the picture it was just black… The flashes had fired before the camera took the shot!
Hmmm, so the flashes fire straight away as soon as the trigger is pressed, but there is a delay before the camera takes the shot.
I double checked all auto settings were disabled on my camera, like auto-focus and red-eye reduction, I even checked if my camera needed a firmware update to reduce the delay but nothing made any difference, the camera always released the shutter after the flashes had fired.
I decided to try a different configuration, so I plugged the transmitter into the camera's hot shoe. When the camera's shutter button is pressed the camera sends a signal to the transmitter and in turn that triggers the wireless receivers and they fire the flashes. This setup worked perfectly and the flashes fired as the shutter was released.
So now I knew that they did actually work, just not when remotely firing the flashes and releasing the camera's shutter at the same time. This was a little disapointing, but I could live with it seeing as I'd paid so little for them.
I already owned an old wireless shutter release, so I plugged this into the camera while the RF-602TX transmitter was still in the camera's hot shoe mount. When I fired my old wireless shutter release the flashes and the camera fired at the same time. Sweet… Self portraits ahoy!
Okay, this solution may be a bit clunky, I know the RF-602 kit shouldn't need a second wireless shutter release, but as long as I have a work around I'm happy. Just be aware that this may not be the wireless trigger for you if you specifically need to remotely fire flashes and the camera at the same time.
If anyone has any experience with this particular setup using a different camera then please post your results. Maybe it's just the 7D that has this lag issue, or maybe it's the RF-602 at fault.
UPDATE : Thanks to some advice over at photocamel.com I've found that this is not an issue with these triggers in particular, it is a general issue with all wireless triggers.
If you need to remotely trigger a camera and flashes at the same time it is normal practice to use two transmitters. One transmitter to act as a wireless shutter trigger for the camera, and another transmitter in the camera hot shoe acting as a trigger for the external flashes (remember to change the two sets of transmitters and receivers to different channels).
The hot shoe mount on the RF-602RX also works well, it triggered my Canon 580EX MarkII and my Sunpak flashs without any problems.
Other than the stated flaw, I'm really happy with my RF-602 kit and I'd definitely recommend it to anyone looking for a wireless trigger.


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Our Lady of Providence is here to help you live out a happy and enriched life. Count on us to provide you with the daily assistance you need now and the added support you may require later.
• Medication Assistance
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Our Lady of Providence is a level III facility providing nursing and hospice care as the need arises. Each resident can rest peacefully with the understanding that all their needs will be met here, with us, throughout the rest of their life. Our professional nursing staff is available 24 hours a day, providing all the added support you need including getting in and out of bed, bathing, dressing and assistance with eating. Other medical professionals, such as occupational or physical therapists, are also available by physician referral.
The truth is, hospice is not about how you die, it's about how you live. Hospice care helps residents and their families make informed choices, provides companionship to patients and respite to caregivers. It offers grief support and identifies key community services that can be of assistance.


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Back to the first page of this website
We are presently in the process of getting setup to offer guided scuba tours using our 23-feet long drop bow motorboat
Not shown in these pix are the dive ladder and double-railings mounted on the bow door making for easy exit from the water.
Current plans are to start with dives at the Onamac artificial reef on the west side of Camano Island. This reef is in water depths averaging 50-60 feet. It was created by the Washington Department of Fish and Wildlife many years ago. Data on exactly when are hard to come by but people at F/W believe it was in the 80's or 90's. It is a roughly rectangular area approx 1/4 mile on the side by about 1/2 mile long. The reef is made of broken concrete blocks, slabs and chunks plus some interesting tubular concrete structures that may have been hollow columns supporting e.g an old bridge. If you Google the reef, there are quite a few photos out there of the abundant sea life on the reef.
Prices have not been set yet but they will be competitive with other tours in this area.
Contact us at 425-314-9824 or e-mail
1. We only allow buddy diving for safety. If you do not have a buddy, Camano Sail and Power may be able to provide a buddy for you to dive with at a small increase in our price to cover our diver.
We do not allow spear fishing on our trips. Many of the species on our PNW reefs are very slow to reproduce and we want to be sure that they continue to be there for all divers to enjoy.


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One of Tagaytay's new player at the moment is Balay Dako, tho it's already almost marking its first anniversary (not really sure if it opened June or during the last week of May last year) we didn't pay a visit right away generally because budget is tight, the kids are grown-up now and at times counted as adults already hence they can no longer eat for free or discounted for that matter. Next, I want to justify that this Sunday breakfast is called for so I waited for one occasion to happen before we finally visited and lastly, I want the hype to die down a bit so we can enjoy the place with lesser crowd.
But our visit during the Chinese New Year last February wasn't a good move either, I was actually expecting a lot of people following the long weekend other than it's now or never for me. We arrived at Balay Dako past 7am (no reservations for breakfast buffet just like at Bag of Beans) and to my dismay there were already too many waiting groups ahead of us. I was a bit upset that we'll get to eat breakfast late; I was assuming that everyone who made it ahead of us were taking their time and savoring the best of the best, like what we actually planned to do.
While waiting I wasted my time checking out the restaurant in and out.
Balay Dako literally means Big House in Negrense and the façade itself depicts affluence. Oh, those big glass windows and balustrade, I fell in love instantly. ♥
From the entrance was the waiting area which was spacious and comfy because there were benches to sit down. We lounged here for about 30mins or more while waiting for our table.
Pre-breakfast photo, we all looked sleepy and cold.
Comedor sounds very authentic and colonial; this is the 2nd level where lunches and dinners (?) are enjoyed with that panoramic view of Taal Lake as backdrop. Best if you can book the table beside the windows.
So I guess these were the old people who used to live at this big house. Well, these wedding photos were very traditional from wayback and I like the idea tho and planning to display ours once we're back at the old house so people have something old to look at and scary. Hahaha.
There was also a deli store where you can buy Antonio's products –marmalade, freshly-baked breads, green harvest, tokens and even dainty night gowns.
Anyhow, when we were finally given a table I was disappointed because we were seated al fresco not even considering that there was light rain earlier and the weather wasn't really very good (just look at how grey the clouds were). Apart from it, the cold breeze was unwanted at that time especially that we have a toddler and a senior in tow. Have we known that we will be dining just like this we should have brought along hooded jackets too. I told the lady crew to transfer us once there's an available table indoor, I reminded her not just twice because I want to enjoy a warm and comforting breakfast but despite my plea she remained as dead cold as the breakfast fare we ate that morning. 😦 Don't tell me now that no table was made available at the indoors from the time when we were seated, my point is you could have lined-up us again or given priority before you allowed a new group to come in. I wonder what could been if it rained again, was there a contingency set up for us?
Just because I don't want to spoil our little Chinese celebration, I kept mum. The queue at the buffet stations were long so I shy away from taking photos because it would slow down and I don't want to cause anymore delay to people who were lined behind me, they looked so han-gry already.
In all fairness there were many food sections and the breakfast spread was decent. I wish I had photos to share –they had bacons, beef tapa, adobo, tocino, corned beef, longganisa, daing na bangus, tuyo, sautéed veggies and so much more. There's also an omelet station where you could choose your own fillings or request some sunny sides. Don't also miss to check the bread station and try ensaymada (I heard its good) which I intentionally ignore because the bread will just go stale given its exposed to cold. There's also a salad station, fresh fruits, DIY fried rice (with queue to forever), desserts includes local deli.
They have taho and puto bumbong which I heart. Coffee, tsokolate-de batirol, tea and juices were also limitless. And the kids of course were treated to colorful cereals. 😀
And because we can't stay too long sitting and slapped by the cold breeze, we had turns and photo ops at the scenic view, I also learned that this Terraza converts to a bar and grill resto during the night. Overall, I love Balay Dako except that I wish the staffs (especially the ladies) would be a little welcoming and smiling. If you've been to Breakfast at Antonio's there's this notice to customer that speaks about Courtesy and Respect, I always believe that respect is earned not given. You know what I'm saying, hehehe; I love the French maid uniform tho.
Post-breakfast photo, just the two of us this time 😀
Buffet rates when we dined, P550 for adult,
P350 P375 for kids below 4 ft and toddlers and babies eat for free.
P.S. Ze husband find the food salty and think that the chef must be old already, remember that our taste bud age as we do. A week ago a cousin-in-law dined there also, for lunch this time and she had the same feedback about the food –salty.
Balay Dako | Tagaytay-Nagsugbu Highway, 4120 Tagaytay City (besides Leslie's and Max's across Magallanes Square in Tagaytay) | For inquiries, please call (0943) 264-1680 or 0464134866


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Price: $45.00
Product ID : nhg_hchhcane
Weight: 5.00 lbs
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Balinese artisans created this lovely walking stick out of teak wood, completely hand-carved and unique. Chestnut finish with black horse head top, rubber foot.
Pineapple cross-cut adds dimension, super detailed engraving. Measures 35.5" tall, 3.5" around and horse top is 14"
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