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January, 27th 2010 - Rockville Centre - NY: Switronix Inc releases the FLEX DSLR Remote. The FLEX is a patent-pending, handle mounted DSLR remote unit that triggers HD video start and stop recording for Canon 5D/7D. The FLEX's unique gooseneck arm houses an optic to be positioned within line of sight to the remote sensor on the Canon cameras (transmits up to 1m away, 135deg spread).Once positioned, the remote transmits a signal through the optic when the button is depressed.
The arm can be extended up to 12" and coils down to approximately 3" in diameter. The FLEX's all metal construction will standup to the everyday rigors of HD DSLR video production. Max clamp diameter 1.5". Powered by 2 included AAA batteries. The FLEX DSLR remote will have a street price of around $150.
Shipping week of 2/8/10
For more information Visit: www.switronix.com


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Woman reports attack at Maple Woods Community College
Maple Woods Community College said it's taking extra safety precautions the week after a woman said she was sexually assaulted by a man with a knife.
Police said the attack happened after dark near the Learning Resources Building on campus.
Authorities at Maple Woods said they plan to increase lighting around the campus, especially near the Learning Resources Building. They are also encouraging students to ask a campus police officer for an escort back to their cars, especially after dark.
Student Kathi Hodges is taking a night class at the school.
"I had a lot of my friends texting me, asking me if I'm OK," she said.
She said she was in the parking lot when she first heard about last week's attack, something she said freaked her out.
She said she appreciates the idea of extra light at some of the darker places on campus.
"It's not too dark out here, but it would be nicer to have a lot brighter area so you can actually see, you know, across the way?" she said.
"I can't say that having a better-lit area would guarantee somebody's safety," said Tom Vansaghi of the Metropolitan Community Colleges. "But it certainly creates a space that is certainly more visible so other people that might be around would certainly see something occur."
Some students told KMBC 9 News that there are not enough officers to provide escorts to everyone who wants one.
The assault case is still under investigation.


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Exploratour - The Surface of Europa
The picture shows something called "linea", which refers to the giant cracks or ridges on the surface which were first observed by the Voyager mission. In this picture, another character of these features can be seen. The ridges extend out in all directions, but sometimes they come as double or even triple bands which run parallel to each other.
This is page 5 of 20


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Jewish World Review Jan 25, 2012/ 1 Shevat, 5772
A Few Words About Abortion
By Judge Andrew P. Napolitano
http://www.JewishWorldReview.com | Last week marked the 39th anniversary of Roe vs. Wade, the U.S. Supreme Court decision that permitted abortions. Prior to that case, abortion was regulated by each state, and most of them prohibited it unless two physicians could certify that the baby growing in the mother's womb would likely result in the death of the mother. Even the states that permitted abortions when the pregnancy was caused by rape or incest, an extremely rare occurrence, did not permit it after the sixth month of pregnancy.
Roe vs. Wade changed all that. It permits abortions in all 50 states during the first three months of pregnancy for any reason or for no reason. It permits abortions during the second three months of pregnancy for the health of the mother. "Health of the mother" can mean mental health; thus, most states have taken the liberal position that if a continued pregnancy would make the mom sad or challenge her psychologically, or if she has second thoughts about the pregnancy, the baby may be aborted.
Roe vs. Wade also permits the states to prohibit or to allow abortions during the last three months of pregnancy. Most states prohibit all abortions during the final three months, as this is the period of viability; when the baby can live — assisted, of course — outside the mother's womb. New Jersey, my home state, is the exception, as it permits abortions up to the moment of birth.
In the past 39 years, American physicians have performed more than 50 million abortions. Abortion is the most frequent medical procedure performed in the U.S. The linchpin to Roe vs. Wade is the Court's rationale that because the decision to undergo an abortion ordinarily occurs between patient and physician, and because that interaction ordinarily takes place in private, the right to privacy insulates abortion from the reach of the State. Roe vs. Wade itself does not define the right to an abortion, but it does unambiguously declare that the baby in the womb is not a person, and that the right to privacy protects the mother's decision to kill the baby.
Did you catch that? The Supreme Court declared that the baby in the womb is not a person. When it made that declaration, it rejected dozens of decisions of other courts, in America and in Great Britain, holding that the baby in the womb is a person. This is reminiscent of the Supreme Court's infamous Dred Scott decision in 1857 in which it ruled that blacks were not persons. In both cases, it cited no precedent, it gave no rational basis, and in Roe vs. Wade, it merely said that because philosophers, physicians and lawyers could not agree on whether babies in wombs are persons, it would declare them not to be persons.
If the baby in the womb is a person, then all abortion is unlawful. That's because of the constitutional protection for all persons. The Constitution unambiguously prohibits the government from impairing or permitting others to impair the life, liberty and property of persons without due process. Here's my political beef with so-called pro-life politicians in both parties. In the years in which the pro-life Ronald Reagan and both Presidents Bush were in the White House, from time to time, both chambers of Congress had pro-life majorities. Did you see any legislation passed that declared a baby in the womb to be a person? No. This could have been done by a simple majority vote and presidential signature, and Roe vs. Wade, and all the killing it spawned, would have ended.
How scary is this? The Supreme Court declares a class of humanity not to be persons, and then permits people to destroy the members of the class. That's what happened to blacks during slavery; that was the philosophical argument underlying the Holocaust; that's what is happening to babies in the womb today; and that might become the basis for the government killing persons it hates or fears in the future. It will declare them to be non-persons.
Is the baby in the womb a person? Of course babies in wombs are persons. From the moment of the union of egg and sperm, there is present a fully actualizable human genome; meaning all the genetic material necessary for post-birth existence is there. And the parents of that union are human beings. With human parents and a human genome, what else could a baby in a womb be but a person? If you have any doubt, why not give the benefit of that doubt to life, rather than to death? Unless you prefer death to life and killing to nurturing and misery to joy, I expect you agree.
Since you have been reading this essay, 10 babies have lost their lives, as abortions occur in the U.S. about two and a half times a minute. How long can a society last when we cannot protect the weakest among us, and when we destroy them out of convenience, and when we make that destruction legal? Who will be destroyed next?
Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.
Your comments are appreciated. Please send them by clicking here.
Andrew P. Napolitano, a former judge of the Superior Court of New Jersey, is the Senior Judicial Analyst at Fox News Channel and anchor of "FreedomWatch" on Fox Business Network.


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Journey to the New World
100% SYNCH Optional Objectives
- Limit health loss - 10%
- Save James in the given time - 0:40
After the cutscene, cruise the ship and speak with the various participants. There are several (but optional) Interactive Conversations to partake, so speak to the men and then make your way topside to trigger a little combat tutorial.
LIMIT HEALTH LOSS: As long as you follow the onscreen prompts, Haytham should get by pretty easily. Follow the instructions on learning to Parry and Counter and beat up the limeys to trigger a cutscene with the captain.
From here, go back to your cabin to end the day.
Day 28
For this part of the mission, Haytham will need to speak to several of the crewmembers. After several chats, Haytham will be led to speak to James. Talk to James for awhile and then head to the stern to look for clues. Use Eagle Vision to find clues to investigate. After investigating the clues, return to your room to end the day.
Day 33
After speaking with the Captain, Haytham will have to defend himself against Mills. Use Parry moves to block his attacks and then use a Counter Kill to be rid of Mills and trigger a cutscene wit the Captain.
Later that day
Time to help out making sure the ship doesn't sink. Secure the rigging directly behind you, and then secure the rigging on the opposite end of the ship. Another rope comes loose around the middle of the ship, so go secure it.
RESCUE JAMES WITHIN THE GIVEN TIME: After securing the last sail, Haytham has 40 seconds to save James. Quickly cross the broken timbers and jumping towards James to save him.
Day 72
Get topside, and talk to the captain. From there, climb up to the crow's nest to complete the mission. Welcome to the New World.
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17oz - Spiderwebs - Naked Cauldron Mug - #17
Regular price $85.00
Handmade wheel thrown stoneware mug glazed with our custom speciality designs and a clear glaze on top.
You will be receiving this exact mug. For specifics please see listing title and photos.
All my functional pottery is safe for hot and cold foods and is safe to use in the dishwasher and microwave unless otherwise stated. Ounces represent mug being filled just below the rim.


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The Student Conduct Office is responsible for developing and administering a Code of Student Conduct that supports the College's values, goals and priorities. The program strives to create an environment that fosters personal integrity and promotes the educational mission of the college, equality and diversity on campus.
Utilizing an educational philosophy, the program informs students of their responsibilities as members of the community, involves students, faculty and staff in administering the student conduct process, and assists all members of the campus community to live and learn in an environment that is orderly, peaceful and supportive of individual growth and development.
Student Conduct Office
Corey Union, Room 409-B
SUNY Cortland
P.O. Box 2000
Cortland, NY 13045-0900
Phone: 607-753-4725
Fax: 607-753-4868
Email: Student Conduct Office


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Bedtime Stories - Endorsement Fine Art Print
More Information
Tim and Eric Bedtime Stories – Endorsement Fine Art Print
Make your walls look gooood. We made a different print for each Bed Time Stories episode. This print was made for the Endorsement episode. – This print is limited to 200 copies
– Print measures 18" x 24"
– Each print is hand numbered
Prints will ship in a poster tube for extra protection.


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Despite The Rise In The Gold Price, Gold Speculators Did Something Very Strange Last Week
by: Hebba Investments
- The gold price rose 3% during the last COT reporting period.
- Despite that large rise in the gold price, speculative longs only added a little over 17,000 contracts which is lower than we would have expected.
- Surprisingly, speculative shorts added to their short positions during this large rise in the gold price which is very unusual.
- Despite the rise in the net speculative long position, the historical net speculative position in gold remains low.
- Speculative US Dollar traders added to their own net long position in the USD to the highest levels since January, which is USD-bearish and gold-positive for contrarians.
- Despite that large rise in the gold price, speculative longs only added a little over 17,000 contracts which is lower than we would have expected.
- Surprisingly, speculative shorts added to their short positions during this large rise in the gold price which is very unusual.
- Despite the rise in the net speculative long position, the historical net speculative position in gold remains low.
- Speculative US Dollar traders added to their own net long position in the USD to the highest levels since January, which is USD-bearish and gold-positive for contrarians.
The latest Commitment of Traders (COT) report showed a decent increase in speculative long positions, which was expected due to this report's inclusion of last week's change in gold post-Fed meeting. But surprisingly enough, this report showed that speculative shorts increased their positions despite the 3% rise in gold during the COT week.
That is a bit unusual as we tend to see speculative positions mirror the gold price (rising gold means rising longs and falling shorts), and that is especially the case on big (2%+) moves in the weekly gold price. The only times we usually see the opposite is when the net speculative position is at extremes like back in July of 2016 when the net speculative position was hovering at record levels - but at current levels we are actually at fairly low speculative net long levels.
We will get more into some of these details but before that let us give investors a quick overview into the COT report for those who are not familiar with it.
About the COT Report
The COT report is issued by the CFTC every Friday, to provide market participants a breakdown of each Tuesday's open interest for markets in which 20 or more traders hold positions equal to or above the reporting levels established by the CFTC. In plain English, this is a report that shows what positions major traders are taking in a number of financial and commodity markets.
Though there is never one report or tool that can give you certainty about where prices are headed in the future, the COT report does allow the small investors a way to see what larger traders are doing and to possibly position their positions accordingly. For example, if there is a large managed money short interest in gold, that is often an indicator that a rally may be coming because the market is overly pessimistic and saturated with shorts - so you may want to take a long position.
The big disadvantage to the COT report is that it is issued on Friday but only contains Tuesday's data - so there is a three-day lag between the report and the actual positioning of traders. This is an eternity by short-term investing standards, and by the time the new report is issued it has already missed a large amount of trading activity.
There are many ways to read the COT report, and there are many analysts that focus specifically on this report (we are not one of them) so we won't claim to be the exports on it.
What we focus on in this report is the "Managed Money" positions and total open interest as it gives us an idea of how much interest there is in the gold market and how the short-term players are positioned.
This Week's Gold COT Report
This week's report showed an increase in speculative gold positions as longs by 17,687 contracts during the COT week while shorts added 1,551 contracts to the gross speculative short position.
Interestingly enough, despite the rise in the gold price and what could be construed as a gold-positive Fed meeting, speculative shorts continued to add to their gold position.
Moving on, the net position of all gold traders can be seen below:
Source: GoldChartsRUS
The red-line represents the net speculative gold positions of money managers (the biggest category of speculative trader), and as investors can see, we saw the net position of speculative traders increase by 16,000 contracts to 66,000 net speculative long contracts. We would have expected much more based on the rise in the gold price for the week.
As for silver, the action week's action looked like the following:
Source: GoldChartsRUS
The red line which represents the net speculative positions of money managers, showed a slight drop in bullish silver speculators as their total net position dropped by around 2,000 contracts to a net speculative long position of 65,000 contracts. Speculative behavior in silver followed that of gold this week as the metal rose yet long positions fell (and short positions rose).
Asian Gold Premiums
It seems as if the rising gold price is not really stimulating physical demand in most regions across Asia. "Demand has been sluggish this week, especially with (international) gold prices in the $1,240 to $1,250 range," said Ronald Leung, chief dealer at Lee Cheong Gold Dealers in Hong Kong. In a nutshell, premiums in Asia were the following:
· In top consumer China, premiums fell to about $10 to $12 an ounce against the international benchmark from levels over $20 last week.
· Premiums were quoted from 70 cents to $1.20 in Hong Kong, from the 70 cents to $1.10 an ounce level seen last week.
· In Singapore, premiums were seen slightly lower, within the 80 to 90 cents range, against $1.20 an ounce in the week before.
· In Japan, traders saw the precious metal at a discount of 50 cents to a dollar, unchanged from last week, attributing it to the lack of any significant move in local prices.
It seems physical demand in Asia is muted due to the rising gold price. The one exception was India, which saw rising demand despite the increasing gold price as jewelers stock up for a festival next week. Based on those numbers, we cannot really envision Asian physical demand being a driver for the gold prices last week.
Speculative Long US Dollar Bets Increase
Moving on to the US Dollar, it seems that speculators increased bullish bets on the U.S. dollar for the third straight week, pushing net longs to their highest since Jan. 31, according to calculations by Reuters.
We really have no strong feeling on the direction of the US Dollar from here, but if it continues to drop as US Dollar speculative longs add to their positions then that could lead to a "long-dump" as over-leveraged US Dollar longs exit their positions - which would of course send the Dollar lower (and probably send gold much higher). We are watching the US Dollar carefully because it looks like speculators may be positioned incorrectly here as they expect a Dollar rebound, which may not come.
Also, investors need to remember that the US administration has already mentioned its desire for a weaker Dollar - would it be that surprising to see the US Dollar drop further? We do not think so.
It is a bit premature for that, but this is an important catalyst for gold investors to watch.
Our Take and What This Means for Investors
This week was an interesting week as the gold price increased significantly BUT we saw speculative shorts also increase their positions - which is a bit unusual. Additionally, the speculative net long position in gold is around 66,000 contracts, which is fairly low historically (we hit 250,000 contacts at the top of last year's rally) and suggests we are closer to a bottom in the short-term gold price than a top.
One other thing to note for gold investors is that speculative US Dollar long positions rose to the highest levels since January. We wouldn't be surprised if there is a bit of a double-leveraged trade going on here as speculators go long the US Dollar and short gold, which would explain the strangely rising gold short position. From a contrarian view that's a positive as it means that there is plenty of room up for gold and down for the US Dollar (longs are currently piling in). Last week changed our short-term picture of gold from neutral to neutral-bullish, and it seems like it was the right call as gold rose during the week.
All the previous factors strike us as bullish for gold but the big concern we have is that the failure last week in the Trump administration's efforts to repeal the Affordable Care Act (Obamacare) suggest that there may be some major questions on if Trump can implement his tax and infrastructure plans.
Since this is what much of the US stock market's rally seems to be based on, that may mean a pull-back, a correction, or something much bigger.
We are simply not certain what this would do for gold as on the one hand weak stock performance is generally good for alternative, risk-off type assets like gold; on the other hand, taking away leverage from a market may lead to liquidation of all types of positions, including gold. We saw that in 2007 and 2008, and we certainly cannot count that out here.
Thus we aren't ready to go completely bullish in the gold short-term picture just yet until we see some evidence that investors will "run to gold" with a drop in US stocks.
As for silver, we are still not feeling very bullish on the metal in the short-term despite its outperformance with gold last week but we must acknowledge its correlation to gold (which we are more bullish on). Thus, we are changing our short-term picture for silver from BEARISH to NEUTRAL-BEARISH - while the upside is much greater than gold, we feel the risks here on silver outweigh the benefits when viewed holistically (i.e. upside potential versus downside losses).
In summary, we are holding our gold positions here to wait and see what the US stock markets do as we already have good to exposure to gold via gold ETFs, like the SPDR Gold Trust ETF (NYSEARCA:GLD), and ETFS Physical Swiss Gold Trust ETF (NYSEARCA:SGOL). Since historical COT positions remain low, we would be viewing sizable drops in gold as a buying opportunity. As we mentioned last week, we are still not ready to really begin aggressively adding to our positions in the silver ETF's like the iShares Silver Trust (NYSEARCA:SLV), ETFS Silver Trust (NYSEARCA:SIVR), and Sprott Physical Silver Trust (NYSEARCA:PSLV), as gold simply has a better risk-reward profile at the current time but with a further drop in silver we may consider buying back some of our previously sold positions.
Finally, in terms of gold and silver miners, investors need to remember that they are stocks and could go either direction if stock markets fall and gold remains firm. If gold falls with stock markets, then investors need to expect miners to fall hard. The point here is that gold investors need to be careful with precious metals miners unless they are completely bullish on gold.


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I have a new 16Gb USB key and want to take advantage of Disk Utilities feature to encrypt it, however I do need to move data from Mac to Windows from time to time.
Is is it possible to have one FAT partition and one Mac OS Extended Encrypted Partition on a 16Gb drive? I've tried a number of times but cannot figure it out.


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Taking Charge
This story appears in the November 1997 issue of . Subscribe »
Picture this: Your business is up and running. Your product is selling well, so your advertising and marketing plans must be working. You happily prepare to ring up a sale, when a customer hands you a credit card.
Uh-oh. You don't accept credit cards, you say. The customer fumbles around in his wallet for enough cash to cover the purchase, but comes up short. Embarrassed, he leaves, promising to return later. But will he?
Chances are, he won't, says Robert Fazzini, president of commercial loans at Busey Bank in Bloomington, Illinois. Many people today simply prefer the convenience of paying by credit card. If you want their business, you must be able to accept their credit-card payments.
Johanna S. Billings explained how to shop for ergonomic office furniture in the September issue of Business Start-Ups.
Why Accept Credit Cards?
Obtaining merchant status, which allows you to accept credit-card payments, might seem like an unnecessary hassle--especially considering that most people can pay by cash or check. But by not accepting credit-card payments, you lose sales, says Larry Schwartz, president of the National Association of Credit Card Merchants in Boca Raton, Florida. This is especially true if yours is a mail order business.
"Up to 70 percent of people never mail the check," Schwartz says, so accepting credit cards is especially crucial for mail order companies. When the customer places an order, he's excited and eager to buy. Faced with the prospect of sending a check, waiting for it to clear and then awaiting shipment, his interest is likely to wane. In the meantime, you lose sales.
Reyne Hogan, owner of Reyne Hogan Antiques, a mail order antique shop run from her Cincinnati home, has accepted only 13 credit-card orders since obtaining merchant status six months ago. But she believes she made the right decision.
"The 13 people were thrilled that I could take credit cards so they could get their merchandise faster."
Because Hogan's business sells rare antique glass made by such well-known companies as Tiffany, Daum and Galle, she can sell a single antique for $30,000 or more. So, although 13 orders may not sound like much, they added up to a great deal of money for Hogan. Also, by taking credit cards, Hogan offers her customers an important convenience she hopes will keep them coming back.
The Basics of Merchant Status
In order to accept credit cards, you need to work with a bank that will transfer the money into your account within a day or two of the sale, and then collect the money from the customer. In return, you pay the bank a commission of 1.5 percent to 5 percent for each credit-card transaction; a set, per-transaction fee; and a setup fee. You will also have to pay monthly support or equipment-rental fees for a point-of-sale terminal--the machine used to swipe the card--depending on the contract. Hogan, for instance, pays 2.5 percent plus 30 cents per transaction and $15 per month. She also paid a $125 setup fee.
"The fee is based on two things," Fazzini says, "the average amount per transaction and the total volume for the year." Hogan's high average dollar amount per transaction helped lower her fees, but this was offset somewhat by her relatively low yearly volume.
When you apply for merchant status, the banks evaluate your business based on its sales track record, the type of business it is, your credit record, the business's credit record and your overall financial picture.
Fazzini advises applying for merchant status when you get your start-up financing. This accomplishes several things. First, it shows that you've thought ahead. "And you will probably have customers that you wouldn't have otherwise," he says. In fact, some people don't pay with anything but credit cards.
Second, you show you're taking steps to minimize the time and expense involved in recovering bad debts. If someone writes a bad check, for instance, it will cost you time and money to recover the loss. If you swipe a customer's credit card through a point-of-sale terminal, you can be sure you'll get paid. The machine contacts the issuing bank to authorize the transaction and runs the account numbers through a variety of fraud-protection procedures.
Overcoming Objections
If your business is homebased or has been in operation for less than two years, you're likely to face objections from the bank.
"Those are the ones we end up losing money on," Fazzini says. "We're really reluctant to take a homebased business unless we're loaning money to that business and we understand it."
If yours is a homebased or a brand-new company, be sure to meet with the banker to show your business plan, offer collateral and discuss your personal net worth. You are more likely to be able to overcome objections by being open and honest. Even if your bank turns you down, however, your ship hasn't necessarily sunk. You can always try other banks.
"Just because one bank says they're not going to do it doesn't mean you're not bankable," Fazzini says. "Everyone has different criteria." One bank, for instance, may make it a policy never to grant merchant status to a homebased business, whereas another might, if the business meets other criteria.
If you don't have any luck getting a bank to back you on your own, consider going through an Independent Sales Organization (ISO). These are field representatives from out-of-town banks who, for commission, help businesses find banks willing to grant them merchant status. Ask your bank to recommend an ISO, or look in the Yellow Pages under "credit cards."
The ISO may be able to help you simply because it represents dozens of banks, each with their own specialties and criteria. The ISO representative can match your needs with the needs of the banks he or she represents, without requiring you to go through the application process with all of them.
Steve and Shelly Bloom, owners of Crystal Collection, a glass art importer in Boca Raton, Florida, were turned down by their bank, because it doesn't grant merchant status to home-based businesses. So the Blooms worked with an ISO their bank recommended, and the ISO helped them get merchant status through another bank.
Of course, the Blooms pay higher fees because theirs is a homebased business, which presents more risks to the bank. They pay either 2.5 percent of their monthly credit transactions or $25, whichever is higher. They also pay a 20-cent-per-transaction handling fee, a $15 monthly fee and $32 per month to rent a point-of-sale terminal. If they operated a storefront rather than a homebased business, Shelly says, the bank would charge them only 1.5 percent in commission.
Which Credit Cards Should You Accept?
Once you've obtained merchant status, you can accept a variety of credit cards, depending on which are offered by your bank. Some banks issue their own cards, and others act as intermediaries between the credit-card companies and your business.
Different banks offer different cards. Most will likely offer Visa and MasterCard, because these are the cards most consumers have, Fazzini says. Many banks also offer Discover and American Express, but not all do.
Hogan accepts Visa and Master-Card; she doesn't accept others because they aren't offered by her bank.
The Blooms include Discover Card in their credit-card lineup because a customer requested it, Shelly says. All they had to do was ask their bank, which works with Discover; there was no extra cost.
Before you sign on with any bank, consider the costs carefully. If you don't anticipate many credit-card sales, it might not be worthwhile for you to pay the setup and monthly fees. If you're not sure the costs will benefit your business in the long run, call a few banks and find out what kinds of fees they charge. Be sure to call more than one, because fees vary and you won't have a set figure until you actually apply.
Accepting credit cards may not be for every business. But if yours is the kind of business where customers are likely to want the convenience, you're only cheating yourself if you don't give them what they want. Remember, your competition will.
Check It Out
If a lack of a business track record is what keeps you from getting merchant status, consider signing up with Checks By Phone. This service allows you to accept payment directly from a customer's checking or savings account.
Checks By Phone clients simply e-mail, fax or send by modem the customer's name and address, the amount of the sale and all the numbers listed across the bottom of your customer's check. These numbers, says Checks By Phone founder and president Larry Schwartz, include the bank routing number and the customer's account number. Checks By Phone uses these numbers to draft the appropriate account and pay your business. As a Checks By Phone client, you can request that your payment be sent by overnight shipment, resulting in your getting paid even before the draft has been completed.
"You build up a track record for the bank while accepting payments electronically," Schwartz says. "It's convenient for the customer, too, because he or she can pay right away rather than having to write and mail a check."
Becoming a Checks By Phone client requires a $349.95 sign-up charge and a 2-percent fee for each transaction of more than $100. The charge is $2 for transactions of less than $100, and there's a 35-cent data-entry charge for fax transmissions.
If you suspect a check might be bad, you can have Checks By Phone check it against its computer database, which includes identification information on banks and their branches in both the United States and Canada. This additional screening costs 50 cents per transaction.
Worth Reading and Taking
The Complete Guide to Getting and Keeping Your Visa/MasterCard Status, by Pearl Sax and Larry Schwartz (The National Association of Credit Card Merchants, $199.95, 561-737-8700), is a manual that covers everything from the merchant-status application process to handling chargebacks.
Visa U.S.A. conducts a merchant training seminar on fraud prevention techniques. Called "Doing It Right at the Point of Sale," the seminar is offered in 12 major cities across the country. For information, contact the bank that provides your Visa merchant status.
Contact Sourcecs
American Bankers Association, 1120Connecticut Ave. N.W., Washington, DC 20036, (800) 338-0626
Checks By Phone, 301 E. Yamato Rd., #2160, Boca Raton, FL 33487, (561) 998-9020
Crystal Collection, 6016 Vista Linda Ln., Boca Raton, FL 33433, (561) 392-4446
National Association of Credit Card Merchants, 301 E. Yamato Rd., #2160, Boca Raton, FL 33487, (561) 998-9020
Reyne Hogan Antiques, (513) 559-1405, firstname.lastname@example.com


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Royal Romain Font Family by Wiescher Design
Royal Romain was inspired by a font developed for most famous king of France, Louis XIV the Sun King. A group of "Scientists" set off to work on the task of producing the ultimate font for the king of all kings. After years of elaborations Philippe Grandjean then started to cut the final punches for the "Imprimerie Royale" and finished his part of the work with the fonts first appearance in the magnificent Médailles sur les principaux énvenémens du règne de Louis-le-Grand (1702). The complete set of 21 sizes of roman and italic letters was finished by Grandjean's successor Jean Alexandre and completed by Louis Luce in 1745.
The font went by the name of "Romain du Roi" and was for the exclusive use of the Louis XIV. It was never sold or given to any other king or government. Even though the king of Sweden tried to scrounge a set, but the king refused. This font is the basic design for such famous fonts as the Fournier and Bodoni.
Just so the Romain du Roi doesn't get lost in the digital turmoil I set out to redesign it in 2004 and finished now in early 2008. I did a lot of research in France's National Library. A good excuse to visit Paris is always welcome!!!
I only sell the pair, but for a fair price.
Tags: Font, Historical, Serif


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What is an Au Pair?
An Au Pair is a foreign national who enters the United States on a J-1 Visa through the U.S. Department of State, Bureau of Educational and Cultural Affairs Visitor Exchange Program. In exchange for providing limited childcare services, Au Pairs live with host families to continue their education and experience American life.
Au Pairs must be between 18 to 26 years of age, secondary school graduates or the equivalent, and speak proficient English. While in the United States, they must also complete at least six hours of academic credits or equivalent at an accredited U.S. post-secondary educational institution.
Au Pairs may provide up to 10 hours of childcare each day and a maximum of 45 hours of childcare each week, with limitations. Au Pairs may only be placed with host families who have children three months of age or younger if there will always be another responsible adult present when the Au Pair provides care. In addition, Au Pairs may only be placed in families with children under age 2 if they have at least 200 hours of documented childcare experience. Au Pairs are initially placed with a host family for 12 months, but may extend their stay for 6, 9 or 12 additional months.
Is an Au Pair Right For You?
For families who are looking for an intercultural experience and wish to open their homes and hearts to a young foreign national, hiring an Au Pair may be a great option. Au Pairs share meals with their host families, travel with them and play an active role in the family's daily life.
For families looking for qualified, full-time childcare, however, an Au Pair may not be the best childcare option. For families with young children, knowing that Au Pairs are only required to have 200 hours of documented childcare experience, equivalent to only 5 weeks of full-time nanny experience, and receive only 8 hours of child safety training and 24 hours of child development training upon arrival into the United States can be disheartening.
For parent who work long hours and adhere to strict schedules, limiting their Au Pair's hours to 45, guaranteeing weekends off and working around the Au Pair's school schedule can be impossible.
For many parents, an Au Pair takes on the role of an older child in the family. Parents become concerned about their Au Pair navigating an unknown world and as such, feel responsible for their Au Pair's safety and wellbeing. Since Au Pairs are more like family members than employees, it can be difficult for children to view their Au Pair as an authority figure, especially when ongoing guidance and discipline is required.
Many parents prefer to meet and interview their potential childcare provider in person before offering her a care giving position, never mind inviting her to live in their home. For parents who want to truly know who they're hiring to care for their children, the Au Pair option may not be suitable.
For families looking for long-term, consistent childcare, investing in not only training a childcare provider, but building a relationship and fostering a bond between the Au Pair and their children, can seem like a lot of work for a short-term placement.
Is an Au Pair a Nanny?
While the terms nanny and Au Pair are used interchangeably, they couldn't be more worlds apart. Nannies are childcare specialists who are employed by parents to care for the family's children in their private home. Nannies provide customized, individualized and attentive care as they partner with parents to meet the social, educational, emotional and intellectual needs of the children. While some nannies do live in their employer's home, most commute to and from work each day.
Nannies typically have extensive childcare experience and most have a background in early childhood education. Nannies are also prepared to undergo an extensive background screening, including a criminal records check, sex offender registry check, motor vehicle driving record check and reference check. Nanny employers must also verify that the nanny is legally able to accept employment in the United States by using The Department of Homeland Security's Form I-9 for employment eligibility verification.
Since parents can create their own set of specific hiring criteria, they can handpick their childcare provider based on what is most suitable for their family's unique care giving needs. And since nannies and parents enter into a formal employment relationship, the parents become the employers and as such, can set the professional boundaries, tone, hours, schedule and salary of their employee.
Requirements of Hiring an Au Pair
Once a parent has decided that Au Pair Care is the right option, they'll need to contact a designated sponsor organization to facilitate a placement. The U.S. Department of State approves designated sponsor organizations to implement the J-1 Visitor Exchange Program in accordance with the established regulations. Designated sponsor organizations select and screen candidates for program inclusion and provide basic training and organization.
In addition to providing a private room and three meals per day, host families must pay up to $500 for the Au Pair's academic coursework and facilitate the Au Pair's enrollment, provide two weeks of paid vacation, include the Au Pair in family and holiday events and celebrations and pay a weekly stipend. Au pairs are compensated for their work according to the Fair Labor Standards Act as interpreted and implemented by the U.S. Department of Labor.
While the cost for hiring an Au Pair can vary, parents can expect to pay a sponsor organization a nonrefundable application fee of, a match fee, a program fee and a weekly stipend, in addition to the $500 educational allowance. The weekly stipend typically factors in the allowance for room and board into the hourly wage rate.
If the Au Pair will be transporting the children, the host family may have to supply a vehicle, enroll the Au Pair in a driver's education course and add her to their automobile insurance policy.
Designated Sponsor Organizations
The U.S. Department of State, Bureau of Educational and Cultural Affairs selects designated sponsor organizations to help families and foreign nationals connect. Currently there are 14 approved designated sponsor organizations throughout the United States.
To learn more about the Au Pair program and to contact designated sponsor organizations, visit http://j1visa.state.gov/programs/au-pair.


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There's nothing like being face-to-face when giving an important presentation. You naturally take cues from the others in the room: eye contact, body language, and facial expressions.
However, presenting in person isn't always an option. 80% of corporate presentations are being delivered remotely. In these cases, making a virtual connection with your audience is key, especially when presenting UX designs. The most articulate person always wins; the more successfully we communicate, the higher the chance that our designs become reality. Use the tips below to resonate with your audience, even while presenting remotely.
1. Create a Presentation-Ready Environment
Nothing screams 'webinar' like a pixelated image of someone's face and poor...


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This family of 4-, 8-, or 16-differential line receivers (with optional integrated termination) implements the electrical characteristics of low-voltage differential signaling (LVDS). This signaling technique lowers the output voltage levels of 5-V differential standard levels (such as EIA/TIA-422B) to reduce the power, increase the switching speeds, and allow operation with a 3-V supply rail.
Any of the differential receivers provides a valid logical output state with a ±100-mV differential input voltage within the input common-mode voltage range. The input common-mode voltage range allows 1 V of ground potential difference between two LVDS nodes. Additionally, the high-speed switching of LVDS signals almost always requires the use of a line impedance matching resistor at the receiving end of the cable or transmission media. The LVDT products eliminate this external resistor by integrating it with the receiver.
The intended application of this device and signaling technique is for point-to-point baseband data transmission over controlled impedance media of approximately 100 Ω. The transmission media may be printed-circuit board traces, backplanes, or cables. The large number of receivers integrated into the same substrate along with the low pulse skew of balanced signaling, allows extremely precise timing alignment of clock and data for synchronous parallel data transfers. When used with its companion, the 8- or 16-channel driver (the SN65LVDS389 or SN65LVDS387, respectively), over 200 million data transfers per second in single-edge clocked systems are possible with little power.
The ultimate rate and distance of data transfer depends on the attenuation characteristics of the media, the noise coupling to the environment, and other system characteristics.
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Hurricane Sandy: At least 30 killed, millions plunged into darkness along flooded East Coast
NEW YORK -- Much of New York City remained shut down Tuesday in the aftermath of superstorm Sandy, a rare, powerful storm that killed at least 30 people in seven states and knocked out power for an estimated 7.4 million customers
The storm killed 69 people in the Caribbean before hitting the United States, where it left many coastal communities under water.
New York City Mayor Michael Bloomberg told reporters Tuesday that at least 10 people were killed in the region, and he expected the death toll to climb. Falling trees caused many of the fatalities. Bloomberg also reported drownings and the death of someone who stepped in a puddle that had a live wire in it.
"I think people don't understand just how strong nature is," Bloomberg said.
The Federal Emergency Management Agency listed more than a dozen states as "active disaster areas." On Tuesday morning, President Barack Obama declared "major disaster" areas in New York and New Jersey. Consolidated Edison Co. of New York was forced to cut power to thousands of customers in lower Manhattan and Brooklyn in in an attempt to minimize storm damage.
"This will be one for the record books," ConEd senior vice president John Miksad said in an overnight conference call with reporters. "This will be the largest storm-related outage in our history."
Some ConEd customers should expect to be without power for more than a week, the company said Tuesday morning. Metropolitan Transit Authority Chairman Joseph Lhota said in a statement Tuesday morning that New York's 108-year-old transit system "has never faced a disaster as devastating as what we experienced last night." Seven subway tunnels under the East River flooded, and the Hugh L. Carey Tunnel that connects Brooklyn to Manhattan "flooded from end to end." Bloomberg said there was "no firm timeline" for reopening the subway system but estimated it could be "a good four or five days."
National Guard vehicles and helicopters were called into the state to help with ongoing search and rescue operations in New Jersey, where 2.4 million people were without power on Tuesday morning, according to Gov. Chris Christie. More than a dozen water facilities in the state were damaged, posing a threat to drinking water, Christie said. The governor called the damage devastating "beyond anything I ever thought I'd see," and said the cost of the storm is "incalculable."
Officials told New Jersey residents to be ready for the worst on Tuesday, when they could begin to assess the damage from flooding, downed trees and power lines, according to The Trentonian. Public Service Electric & Gas CEO Ralph Izzo called the damage unprecedented.
"We've never had a direct hit of a hurricane like this," Izzo said. "Certainly never have seen the storm surge that we saw."
People near Philadelphia area were cautioned to stay off the roadways, where fallen trees were wrapped with downed power lines, according to The Times Herald in Norristown. In Connecticut, the Coast Guard on Tuesday resumed its search for a 40-year-old man who disappeared in heavy surf around 8 p.m. Monday, according to a report in The New Haven Register. Connecticut residents who were forced to evacuate their homes later in the storm had difficulty finding hotels, some of which wouldn't even answer their phones, the newspaper reported.
Nationally, the Associated Press put the death toll at 33.
In New York, Bloomberg said he expected the period of flooding was over but that a long period of repair was just beginning.
"Conditions are still dangerous," he said. "I just can't stress that enough."
More Hurricane Sandy news and photos can be found here.


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"Likewise the Spirit also helpeth our infirmities: for we know not what we should pray for as we ought: but the Spirit itself maketh intercession for us with groanings which cannot be uttered. And he that searcheth the hearts knoweth what [is] the mind of the Spirit, because he maketh intercession for the saints according to [the will of] God." - Romans 8:26-27
"And when he had taken the book, the four beasts and four [and] twenty elders fell down before the Lamb, having every one of them harps, and golden vials full of odors, which are the prayers of saints." - Revelations 5:8
"Wherefore also we pray always for you, that our God would count you worthy of [this] calling, and fulfill all the good pleasure of [his] goodness, and the work of faith with power...." - 2 Thessalonians 1:11
"Finally, brethren, pray for us, that the word of the Lord may have [free] course, and be glorified, even as [it is] with you...." - 2 Thessalonians 3:1
"Be ye followers of me, even as I also am of Christ. Now I praise you, brethren, that ye remember me in all things, and keep the ordinances, as I delivered them to you." - 1 Corinthians 11:1-2
Printed with permission from Catholic Defense.


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Karen works as a Qualifications Manager at RSA Examinations Board, Coventry. She has a BSc in Maths, loves salsa dancing and is a keen badminton player.
Karen Reid
She thinks Maths is "a very important subject. A lot of people switch off as soon as they hear the word thinking they can't do it. But it is a very logical subject. If persevered with, it can easily be enjoyed, especially at A-level. When I was doing A-levels, Maths was the most enjoyable, particularly when trying to figure something out and then it comes in a flash. It's a bit of a buzz when you actually get there, it really is good. Just persevere with it and stick at it."
"I had to struggle with O-levels. I was put down from the O-level group because I supposedly wasn't doing very well. I then got 95% in a test. At that point I involved my parents and was placed back in the O-level group. I became determined to continue with Maths. I wasn't really thinking of a career path as such, it was just that I thought I could achieve a Maths degree. Also I am not very good at writing essays!"
Life at RSA
RSA Examinations Board
Her job is a busy one as a member of the GNVQ (General National Vocational Qualifications) Team. Karen joined RSA Examinations Board in 1996. "At the moment there are 15 GNVQs. I am in charge 5 of them: IT Full Award, IT Part One, which is a pre-16 GNVQ qualification, Engineering, Land and Environment and Management Studies". This also means she is responsible for the examination papers for these qualifications.
For each paper, of which there are several for each qualification, Karen says "I commission the test writer who sets the paper and the test editor. RSA and other awarding bodies work closely together to make sure we are all in agreement on the paper." Many further checks and tests are carried out involving examiners as well as the awarding bodies before each final paper is approved and produced. "In April we finalised the June 1998 papers so the timescales are short. You don't have much time between the final editing panel meetings to when the papers have to be sent for printing."
Another important part of her job is visiting centres around the country, training teachers and external verifiers in the subject areas for which she has responsibility. "We visit centres twice a year and I really enjoy the interaction with the teachers to see how they are delivering the qualification." As Karen also takes part in national and local educational exhibitions there are many opportunities for travel.
Karen says RSA "are very willing to send you out on training courses. I've been on various management training courses, presentation skills and recently went on an advanced presentation skills course. I also do their own compulsory management training course which runs for one year."
Old and new aspects of Coventry Cathedral.
"I have been playing badminton for the past few years. If I start something I have to learn to master it. I had a friend who was a badminton coach and he helped me. So now I enter non-league competitions, like the YONEX championships where people from all over the country take part. The professionals go to the finals but the non-professionals, like me, also play in the rounds before. At some stage I hope to be in the finals."
"Also I'm an avid salsa dancer. I started last Summer and thought I'd never be able to master it. Again I stuck at it and was going to every lesson that there was in Birmingham! Now every Friday night I am out "salsa-ing" until 3 o'clock in the morning."
"There is a club here, RSA 100 Club, which organises trips to the theatre and so on. I've been to see Lee Hurst at the Warwick Arts Centre, it was brilliant."
Career Life before RSA
Before joining RSA, Karen worked at another examinations board, The AEB/SEG (Associated Examining Board and the Southern Examining Group) where she was the Subject Officer for GCSE Maths. She has also been a maths teacher in a secondary school, Fairfax School in Birmingham, and a maths lecturer at South Birmingham Further Education College. "I enjoyed teaching. The reason I left wasn't because I didn't like the kids or the setting, it was really to experience other areas of education. I liked having that interaction with children and contributing to their achievement."
Life as a student
"From primary school I've always had this interest in Maths." Karen went on to study for her A-levels in Maths, Computer Science and Human Biology at Sutton Coldfield College of Further Education.
Karen was attracted to Loughborough University, where she did her BSc degree in Mathematics, because of its good sports facilities. "Sebastian Coe and Daley Thompson had been there ahead of me. I did athletic circuit training and basketball training, you name it and almost every day of the week I was doing something athletic! I wasn't very keen on the social life, the kind of pubs or clubs that were around weren't really appealing to me"
She liked the academic life and was there for four years, doing a CertEd in her third year. "The main parts of the degree course I preferred were Statistics and Pure Mathematics: anything to do with Algebra and Calculus. Numerical Analysis was interesting but difficult. But when it came to Mechanics I was not very good, I'd struggled with it at school too."
"I didn't really have many expectations while I was doing my degree. The main thing I thought was that doing a maths degree virtually guaranteed me getting a job. You think that there are not many people around with those."
More from Maths Careers
You can find out more about careers with mathematics on the Maths Careers website, which is run by the Institute of Mathematics and its Applications.


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"All those models you use" to track business cycles and determine your investing strategies, says newsletter and book author John Mauldin, are "all garbage now" and "no longer work."
However, he counseled his fellow advisors in a general session at the first annual Shareholders Service Group conference in San Diego on Thursday, "after deleveraging is over in four to five years, things will start happening 'normally' again" so advisors can bring back their asset allocation models.
Mauldin is president of Millennium Wave Advisors and publisher of a popular weekly electronic newsletter, Thoughts from the Frontline, and is also author of several books, including the recent "Endgame: The End of the Debt Supercycle." He noted in his presentation to a receptive audience that leverage could be "a good thing on the way up," but that over-leverage in the developed world, particularly in the U.S. and Europe, has changed the economic and investing equation. While he argues that U.S.-based banks and corporations have successfully made steps to deleverage themselves, "our government hasn't even started" the process, and that a number of European countries and banks remain highly vulnerable.
He reserved special scorn for the president of the European Central Bank, Mario Draghi, repeating a joke that "you know something is wrong in Europe when the Pope is German and the head of the ECB is Italian." He expects Greece in particular to embrace one of two possible "disaster" scenarios: the first would be to stay in the Eurozone and accept the draconian measures imposed by the ECB and spurred on by the German government, whose banks have reduced their Greek exposure; the second would be for the country to leave the eurozone and resurrect the drachma. The second scenario, he suggested, might be the result of the Greek electorate deciding to change its political leadership because it accepted the ECB's ultimatums.
In Europe, however, he believes that "in three years, we'll be talking about France like we're talking today about Greece and Italy now," arguing that what the French like to think of as their unique social contract is unsustainable. Showing that anti-French sentiment is alive and well, the audience seemed to react favorably to the idea of tough times ahead for France.
As for coming economic basket-cases, he believes Japan may be the "next problem," particularly if interest rates rise. If Japanese government bond rates rise only 2%, which he said was entirely possible considering its weakened economy, 79% of Japan's tax revenue would go only to meet its interest rate payments. Japan, he said, is a "bug looking for a windshield."
As to how to avoid future crises like 2008-2009 and the current European sovereign debt story, he recommended advisors read economists Carmen Reinhart and Ken Rogoff's book, "This Time It's Different." Those authors, he said, looked at 250 financial crises that occurred throughout history in 66 different countries. The key, he said, is whether debt is excessive relative to income. That's because, Mauldin argued, that "whether the debt is public or private, the private sector will be paying the debt." And on the day he spoke, the government reported that personal disposable income was down in the latest reading, after inflation, suggesting that we're not out of the woods yet.
The only way to grow GDP, he concluded, is to increase productivity and increase population. With their very low birth rates and restrictive immigration policies, much of southern Europe in particular and especially Japan will have a hard time to grow their economies.
As for the U.S., he believes that by 2013 American politicians will be forced to act to reduce the deficit. The best case scenario, he hopes, would be to slowly raise taxes over a 10-year time period to help fix our debt-to-GDP ratio, while also encouraging immigration, particularly from well-educated, well-off people from around the globe. And for those international students who attend U.S. universities, he only half joked, he would hand them "a green card attached to their diploma."
Read full coverage of SSG's 2012 Conference in San Diego at AdvisorOne.


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Church Services - Narrabri
North West NSW Mobile GP Respiratory Clinic
Collarenebri to Narrabri Bus Service
The Killarney Bike Classic started six years ago to raise funds for our local cancer groups and also as a way to remember a local farmer and grazier, Mark Lampe who rode from Killarney Gap to Sawn Rocks with a group of friends for an Easter get together with their families. Less than three months later, Mark lost his short battle with cancer. Mark grew up in Narrabri and loved the district. He would be so proud of the effort and support from so many people that will help make other families lives a little bit easier when they have to face the battle with cancer.
Categories: Events, Narrabri
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Actress Nicole Kidman and her hubby country star Keith Urban were seen leaving Los Angeles, CA with their daughters Sunday, 5, and Faith, 3, on Thursday (March 27). Nicole and ex-husband Tom Cruz are also parents to daugther Isabella, 21, and Connor, 19.
Catherine Zeta-Jones and Michael Douglas
Posted by Alisa / Comments: (0)
Catherine Zeta-Jones and her husband Michael Douglas were seen making their way through La Guardia Airport in New York City on Friday (March 28). The couple were joined by their 10-year-old daughter Carys. Michael and Catherine are also parents to son Dylan, 13.
Posted by Alisa / Labels: Stylish Moms, Victoria and David Beckham / Comments: (0)
Always stylish designer Victoria Beckham was seen with her children Brooklyn, 15, Harper, 2, and Cruz, 9, making her way through Los Angeles International Airport on Friday (March 28). Victoria and husband David Beckham are also parents to son Romeo, 11.


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High quality Oil painting Canvas Reproductions Self-portrait (1906) By August Macke hand painted
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We help everyone who came across our website, to find best Doctors/Surgeons in India for Hair Restoration surgeries like FUE Hair Transplant, BIO-FUE Hair Transplant, DHI Hair Transplant, FUT Hair Transplant
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It's a type of surgery that moves hair you already have to fill an area with thin or no hair. Doctors have been doing these transplants in India, but techniques have changed a lot in recent years. You usually have the procedure in the doctor's office. First, the surgeon cleans your scalp and injects medicine to numb the back of your head. Read More
Hair Transplant cost or price in Udaipur usually ranges between ₹25000 to ₹1 lac. Actual cost is calculated by multiplying total number of grafts required and rate per graft. Cost also varies with clinic location, doctor's experience and popularity for same technique & treatment. To know cost estimate in your case, please contact us on +91-8872774425 on Call & WhatsApp. Read More
PRP (platelet-rich plasma) therapy for hair loss is a three-step medical treatment in which a person's blood is drawn, processed, and then injected into the scalp.
Some in the medical community think that PRP injections trigger natural hair growth and maintain it by increasing blood supply to the hair Read More
CareDoctors is arguably the best hair transplant clinic in Udaipur, offering complete solutions for every type of hair loss starting from early stages of hair loss to advance stagess for both men and women. We offer best hair transplant service in Udaipur at an affordable rate. Apart from remarkeably impressive best hair transplant results in Udaipur, they are best in customer service. Doctors/Surgeons are very much professional in their job, their orginized scheme of pre & post surgery followup is appreciable. The clinic infrastructure as well as surgical techniques & equipments are up-to-date with latest advancements. Surgeons / Doctors at clinic are highly experienced and are able to give best possible hair transplant results.
The best hair tranpslant technique is one which gives best hair transplant results at affordable budget. There are many technqiue out there which are claimed to be the best, however most common technqiue of hair transplant is FUE(Follicular Unit Extraction). It is safer, scarless, stitchless and painless. Patients do not need to get hospitalize at all. Patients can return to their work in one or two days after the surgery. No Bed Rest is required after the surgery. There are many modified versions of this technique namely DHI (Direct Hair Implantation), BIO-FUE (Bio Stimulated FUE), FUSS etc.
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Hair Transplant is 100% Natural Process. Depending on the size of the transplant you're getting, the process will take about 4 to 8 hours.
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FUE is much advance technique of hair transplant. FUE is a method of extracting follicle from donor hair area.
Direct Hair Implantation, there is no need for reception incisions or holes on the recipient area.
PRP (platelet-rich plasma) therapy for hair loss is a three-step medical treatment in which a person's blood is drawn
Bio Stimulated FUE is the combination of FUE and platelet rich therapy which enhances......
Hair loss & baldness is very common problem among people of all age. It reduces self-esteem & confidence of men/women in their personal & professional lives. There are number of reasons of hair loss or baldness which includes hormonal factors, medical conditions, medications, or some accidental injury. Undoubtedly, People facing such issues want to get rid of it at the earliest but they get confuse into where to start? Am I right really getting bald? Etc.
We at CAREDOCTORSINDIA help those people who want to get treatment of their hair loss or baldness without getting into fuzziness of what to do? & Where to start? We help our clients to choose best hair loss treatment & doctor in Udaipur. It is noticeable that cost of these treatments varies hugely with location; we let our clients know PAN India costing so that they can make their mind as per their budget & convenience. Most effective treatment includes FUE(Follicular Unit Extraction) Hair Transplant, FUHT(Follicular Unit Hair Transplant or Strip Harvesting Method), BIO-FUE, DHI or DHT(Direct Hair Transplant), PRP(Platelet-Rich Plasma) Therapy, Stem Cell Therapy, Mesotherapy & many more.
Our primary goal is providing best hair transplant doctors at very affordable prices in Udaipur so that even a middle class person can afford hair transplant surgery. We get special offer like Unlimited grafts (FUE Hair Transplant) & many other bundled package offers for FUE Hair Transplant, BIO-FUE Hair Transplant and FUT Hair Transplant for our clients.


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When I click on a row in my GridPanel I pop up a Window containing a FormPanel with data. This is OK so far. When I close the Window the GridPanel row remains selected.
I would like the row to be deselected when I close the popup Window (actually I hide the window on close).
I have attached the following to the Window but with no success : screen just hangs : Firebug seems lost somewhere in ext-all.js :
{beforehide: function(){
return true;
Any ideas on this please ?


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Since the day Jim Henson brought Kermit the Frog to life, we've all been getting a better understanding of what it means to be green. Kermit set his own rainbow in the sky
and we saw a new promise of joy in the world.
It's an honor to celebrate the life of Jim Henson, whom we miss even to this day, for his extraordinary talents and fascinating character. If you've ever wondered whether
a person can truly be drawn to their life's work at an early age, you only have to look at Jim as a teenager in high school to see how his passion for puppetry began. Of course, it was later—after his college years and his collaboration with Frank Oz and others—that he became known as the greatest tenant that ever moved to Sesame Street.
Because of him, some of us had relationships with Big Bird and Bert and Ernie well before we realized there was another world apart from our TV sets. We learned what it meant
to be a friend, what it meant to be different, and even what it meant to be an adult. We learned to appreciate and acknowledge each other in new ways.
Jim Henson was one of the first puppeteers to give precise mouth movements to his characters so that they could become more human. He wasted no time designing appealing and fun characters for every age group. Soon, Miss Piggy was born to be Kermit's "girlfriend," Fozzie Bear joined the team of friends and numerous other personalities emerged, all of whom helped to make the Muppets a household name.
Henson, who was born in 1936, built a legacy that few can rival and certainly we are all
the better for it. When he stepped out on the stage of the Ed Sullivan show in the 50's a new kind of star was born and it shone brightly.
Today that star lives on in the work that Jim Henson's children continue to build, bringing a new generation of viewers a reason to look at life with renewed joy each day. It may not be easy being "green," but it's easy for all of us to embrace the work of this innovative puppet creator.
On September 24th, we sing Happy Birthday to Jim Henson and are grateful for the role he played in giving all of us a beautiful rainbow connection.


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5 PCS | 6"x106" Royal Blue Crinkle Crushed Taffeta Chair Sashes
Item Number: SASHP_CRNK_ROY
- Each order is for 5 sashes
- Approximate Measurements: 6" wide x 106" long
- Material: Taffeta Crinkle w/ Metallic Shine finish.
- How to Care: Hang wash, hang dry only.
- Edges are serged.
- For sashes only, does not include any other decorations.
- All sizes are approximate measurements.
- Due to different light settings the actual color might vary a bit from the pictures.
- Buy Sash Buckles


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RACIAL EQUITY: It's Time to Step Up. We Need Your Help. Click Here.
Kurt M. Carlson & James W. McNeilly Jr.
Collecting a debt through legal means is a fairly straightforward process for experienced counsel, but the success of the endeavor depends on numerous variables.
It is important for counsel to carefully review the information in the creditor's possession to assess the best avenues and points of leverage to pursue. To properly evaluate the relative strengths and weaknesses of your client's claims and any defenses to the claims, you must know all the information about the claim. Therefore, ask your client for copies of all documents relating to the obligation, including, if possible, communications between the debtor and the creditor, internal reporting, title reports, and recorded or filed documents such as Uniform Commercial Code financial statement filings.1
Communications are important; for example, occasionally a debtor makes admissions that will prove helpful in countering defenses or counterclaims if litigation becomes necessary. Additionally, you may discover that your client has made admissions that might negatively affect the claim or even constitute grounds for a debtor's claim against the creditor. In most cases, a successful collection begins and ends with having an overabundance of information.
com kcarlson carlsondash Kurt M. Carlson, Thomas M. Cooley 1990, is a managing member of Carlson Dash LLC, a full-service law firm with offices in Chicago and in Pleasant Prairie, Wis., and concentrates his practice on bankruptcy, insolvency, and creditor-debtor matters.
com jmcneilly carlsondash James W. McNeilly Jr., U.W. 1981, is with Carlson Dash LLC and focuses on bankruptcy, creditor-debtor, and real estate matters.
Is the debt secured by personal property, real estate, or business assets? Collecting on a secured debt presents additional means of leverage, because many debtors desire to keep their property. Collecting on an unsecured debt requires heightened creativity to achieve good results, mostly because there is little incentive for the debtor to pay an unsecured obligation.
You also must determine whether any special statutes or regulations apply. For example, laws such as Wis. Stat. chapter 402, regarding sales between merchants, Wis. Stat. chapter 799, regarding mechanics' liens, and the Federal Perishable Agricultural Commodities Act (PACA),2 among others, may affect the terms of the debt and dictate the collection procedures. If the statutes or regulations are violated, the claim might be invalidated or be treated as an unsecured, nonpriority3 claim. The converse is also true – if you follow the legal requirements, the claim might be treated as secured or as a priority unsecured claim.
Is the debt consumer or nonconsumer? Because of the numerous state and federal laws and regulations governing consumer debts and their collection, there is a huge difference between collecting a consumer debt as opposed to a nonconsumer debt.
webXtra: In this video, Kurt Carlson and Jim McNeilly explain the legal process for collecting a debt.
Once you have reviewed all the documents and identified the applicable laws, determine whether the debtor has defaulted. If the terms of the obligation require a default notice, ensure that it has been properly sent (that is, in accordance with the provisions of the documents and any applicable law).
Even if no default notice is required, there are good reasons to send one. First, receiving a default notice might lead to the debtor making arrangements to pay the obligation. Second, such a notice will sometimes elicit a response from the debtor containing possible defenses or counterclaims. Having this information will allow you to either avoid bringing litigation, if the defenses are valid, or prepare responses to the defenses or counterclaims before you bring suit.
Before you bring an action to collect fees from a client, consider whether doing so is a good idea. "Suing for unpaid fees can backfire into a malpractice counterclaim, affect your liability insurance, cost you time and peace of mind, and just plain generate bad will."13
However, once you have decided to pursue a client for fees, the basics of handling the matter are the same as with any other open account. Gather the documents, make sure you have complied with all applicable laws (especially the Rules of Professional Responsibility, particularly those related to client confidentiality, advances of fees and costs, withdrawals from trust accounts, and termination of representation14), send a default notice, and finally, if the matter cannot be resolved, pursue a lawsuit and postjudgment collection.
The primary sources of law governing collection matters in Wisconsin are the Wisconsin Statutes and the United States Code (U.S.C.). A good initial step is to review one or more of the numerous publications dealing with debt collection and related civil litigation in Wisconsin. State Bar of Wisconsin PINNACLE® publishes several, including but not limited to the following: Wisconsin Business Advisors Series, Vol. 4: Collections & Bankruptcy, Annual Survey of Wisconsin Law, Wisconsin Attorney's Desk Reference, and Wisconsin Judicial Benchbook Vol. II: Civil. An excellent, comprehensive treatise is Wisconsin Collection Law (volumes 12 and 13 of the Wisconsin Practice Series) by Robert A. Pasch.
Additionally, numerous seminars on collection are presented regularly statewide and nationally. The benefits of attendance far outweigh the cost, especially if you factor in the possibility of being the target of a malpractice action or counterclaim because of insufficient knowledge of the practice area.
Finally, consider contacting an experienced collection attorney – many are willing to assist or serve as co-counsel. A good place to begin is the Lawyer-to-Lawyer Directory in the annual Wisconsin Lawyer Directory for a list of lawyers who have agreed to share their knowledge in particular areas of the law with other lawyers through brief telephone consultations. The Lawyer-to-Lawyer Directory also is available online.
Historically, the standard fee arrangement for debt collection was the contingent fee, with percentages approximating those used in personal injury matters. Clients have begun to understand that they receive the value they are paying for and thus are more interested in working with counsel they know and trust under fee arrangements that provide mutual benefit. While some Wisconsin lawyers still use contingent-fee arrangements for debt collections, many clients are demanding flat-fee agreements, and some attorneys will only handle debt collections on an hourly-fee-plus-costs basis.
The nature of the debt often drives the decision as to which fee arrangement is most fair to both parties. If the nature of the debts being collected allows the attorney to handle a high volume with most of the work being done by staff, fees can be reduced, and all parties benefit.
Because clients are reluctant to "throw good money after bad," and because the likelihood of you getting paid diminishes proportionately with the results, it behooves you to undertake a cost/benefit analysis including, most importantly, the collectability of the debtor, before proceeding with collection activity.
If the default notice does not lead to payment of the obligation, the next step may be to institute a lawsuit. However, be aware that litigation is not always the best course of action.
First, before you file a lawsuit, make sure to check whether the debtor has filed for bankruptcy, because you may incur significant penalties if you violate an automatic stay (which is instituted upon the filing of virtually all bankruptcies).4 (And continue to check periodically for a bankruptcy filing, if you do bring suit.) Second, ensure that you are bringing suit in the correct venue. Third, make certain to comply with any statutory and case law requirements for pleading. (For example, the Wisconsin Consumer Act requires attachment to the complaint of copies of relevant documents and payment history.5) Finally, make sure to include all meritorious claims and causes of action.
Immediately after obtaining a judgment, docket it. Once docketed, the judgment becomes a lien on all real property owned by the judgment debtor in the county in which the judgment is docketed.6 If there is a possibility the debtor owns property in other counties, docket transcripts of the judgment in those counties. If there is a possibility the debtor owns real property in other states, obtain the necessary documentation to docket the judgment in those states.
Familiarize yourself with both the Wisconsin exemptions and the most common Wisconsin collection methods, such as garnishment and execution.7 Often, the most productive step after docketing the judgment is to take a supplemental proceeding, pursuant to Wis. Stat. chapter 816. At a supplemental proceeding, you are entitled to ask questions about the debtor's income and assets. Note that in small claims actions, the debtor is required to send the creditor a form financial statement within 15 days after entry of judgment, which may allow you to avoid taking a supplementary proceeding.8 Also consider other remedies, such as a fraudulent conveyance action,9 an involuntary bankruptcy,10 a chapter 128 proceeding,11 and appointment of a receiver12 (particularly when the debtor is a corporation, partnership, or limited liability company).
Collecting a debt can be one of the easiest activities an attorney undertakes or one of the most complicated. Familiarize yourself thoroughly with the applicable laws, make certain your client clearly understands the risk of investing time and money in an activity that might not result in any benefit, and do not be afraid to reach out to more experienced attorneys.
1 Wis. Stat. § 409.310.
2 7 U.S.C. § 499(a)-(s).
3 Unsecured means the debt is not secured by a lien on property. Unsecured obligations are often prioritized, with certain debts, such as taxes, being paid before others. An unsecured nonpriority debt is usually the last debt to be paid in a liquidation proceeding such as a bankruptcy.
4 The easiest way to check for bankruptcy filings is through PACER: www.pacer.gov/. PACER is an online service that allows users to obtain case and docket information from federal appellate, district, and bankruptcy courts.
5 Wis. Stat. § 425.109(d), (h).
6 Wis. Stat. § 806.15(1).
7 Wis. Stat. §§ 812.01-44; Wis. Stat. §§ 815.01-64.
8 Wis. Stat. § 799.26(1).
9 Wis. Stat. §§ 242.01-11.
11 Wis. Stat. §§ 128.01-128.20; Wis. Stat. § 128.25.
12 Wis. Stat. §§ 128.08, 813.16.
13 Thomas J. Watson, The Art of Client Selection (Managing Risk), 81 Wis. Law. 19 (March 2008).


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Recently I've taken time to retreat to refresh and renew – body, mind, and soul. Little or no computer technology during this time! Thus my Christmas reflection is late this year.
After I awakened this Christmas morning, I sat down at my computer to share my Christmas wishes with you. What initially caught my eye as I began this task is the "Christmas Celebrated Near and Far" Associated Press story.
As I viewed the photo gallery, I was reminded that Christmas is celebrated around the world. Today we remember that our Christ came to us as a baby in very humble beginnings born in a stable surrounded by shepherds. Pope Francis in his Christmas Eve homily simply reminded all of us that our central cause as a church is to be attentive to the poor. How? That's what we need to figure out on a daily basis.
As we remember and celebrate the gift of Christ in our lives, may the Nativity Scenes that are placed in our homes, churches, and wherever we may find them, remind us that we are gift to one another.
Here is the translation of the Popes Christmas mass night homily – Jesus is the Light who brightens the darkness. May his words inspire you as we celebrate this wonderful feast of Christmas.
© Cerveny, 2013


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We stand for
Do you believe that marine and transport business deserves the special status it always claims? Do you think that mariners are speaking somewhat different language? Great. We think the same way. So welcome to sophisticated and simple world of marine services!
We offer probably the most client friendly legal services as we tend to be result minded, open and we want to deliver. Our lawyers are recognized specialists in maritime, transport and insurance law. We are good at dispute resolution, litigation and arbitration. We have large experience and wide expertise in ship arrest and other forms of interim measures.
We are providing unique expertise in ship sale and purchase. We have a number of exclusive candidates from worldwide established distribution channels. Besides we have excellent relations with various ship yards for demolition of older tonnage, and we also offer newbuilding brokerage for fleet renewal programs. Our ship valuations are approved by all major banks and financial institutions in the Baltics.
Our surveyors are not simple tally people. We do both damage and loss prevention surveys, we co-operate with major marine insurers as we are known for our constructive and qualified approach to reporting. We always are intrigued to provide the best possible salvage sale service to our clients and we are proud to have established network of agents, who are available literally in any point in the world.


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Sour Kebab
(Eksili Kebap)
500 g lean ground beef
1 onion, grated
3 tbsp butter
13-14 pearl onions, peeled
1 medium eggplant, peel alternating strips of skin lengthwise, cut in medium sized chunks, soak in salty water for 15 minutes, squeeze
2 medium white potatoes, peeled, cut in medium sizes
1 tbsp tomato paste
1/2 cup crushed tomato, canned
1 or 1 1/2 cup warm water
3 tbsp pomegranate paste or Grenadine syrup
Knead all the Kofte ingredients. Create balls a bit larger than hazelnuts. Place them on the oven tray. Grill for about 4-5 minutes, stirring a few times. Do not burn!
Meanwhile saute the onion with butter for 2-3 minutes over medium heat. Add the eggplant and potatoes, then cook for about 8-10 minutes. Shake the pot to stir, don't mash with a spoon. Add the rest of the ingredients into the pot. Cover and cook until the potatoes are tender over medium-low heat. Make sure not to use a spoon to stir while cooking. Sprinkle chopped parsley all over before serving.
2-3 servings.
* You may add a few unripe grapes or sour cherries while it's cooking:)
Meal Ideas:
- Turkish Ramadan Pide, Hummus, Stuffed Peppers with Olive Oil and Almond Pudding.
Labels: Kebabs


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1. Re: Migration - Taking Very Long Timetomjenkinson Oct 3, 2011 5:49 AM (in response to rajababu)
Hi Raja,
You should be using the following tag: https://svn.jboss.org/repos/mass/MAT/tags/1.0
Please can you confirm that you are using that version?
2. Re: Migration - Taking Very Long Timerajababu Oct 3, 2011 6:04 AM (in response to tomjenkinson)
Thanks for your reply Tom.
The above reports are taken from trunk. I will be working on tags/1.0 from now onwards as per your reply.
But, I had initially tested this on Tag 1.0 and the issue still remain same.
3. Re: Migration - Taking Very Long Timetomjenkinson Oct 3, 2011 6:18 AM (in response to rajababu)
Hi Raja,
In the reports directory, is there a file ending: dependencyGraph.html If so, what does the content of this look like?
Also, I would suggest trying to run the contents of the DependentsToHTML.cmd file directly:
You will need to:
set JAVA_HOME=<JAVA_HOME>
set DEPENDENCYFINDER_HOME=<MAT_HOME>\tools\depfinder
set DEPENDENCYFINDER_OPTS=-Xms512m -Xmx1024m
"%JAVA_HOME%\bin\java" %DEPENDENCYFINDER_OPTS% -classpath "%DEPENDENCYFINDER_HOME%\classes;%DEPENDENCYFINDER_HOME%\lib\DependencyFinder.jar;%DEPENDENCYFINDER_HOME%\lib\log4j.jar;%DEPENDENCYFINDER_HOME%\lib\jakarta-oro.jar" com.jeantessier.dependencyfinder.cli.XSLTProcess -xsl %DEPENDENCYFINDER_HOME%/etc/DependentsToHTML.xsl -in "D:\StateStreet\migration\MAT\trunk\data\MedRec.DependencyExtractor.xml"
Please let me know how you get on with that,
4. Re: Migration - Taking Very Long Timerajababu Oct 3, 2011 7:37 AM (in response to tomjenkinson)
Thanks for the suggestion Tom. Running the DependentsToHTML.cmd directly helped me to narrow down the issue. I got the below exception during the execution.
Exception in thread "main" java.lang.RuntimeException: javax.xml.transform.TransformerException: com.sun.org.apache.xml.internal.utils.WrappedRuntimeException: depfind.sourceforge.net
at com.sun.org.apache.xalan.internal.xslt.Process.doExit(Process.java:1185)
at com.sun.org.apache.xalan.internal.xslt.Process._main(Process.java:1158)
at com.jeantessier.dependencyfinder.cli.XSLTProcess.main(XSLTProcess.java:37)
I believe, the application was trying to access some contents over the INTERNET and got blocked by firewall. I applied some proxy settings to by-pass this issue and the MAT tool was working fine for me.. It would be very much helpful if the exception handling was smart enough to report this issue during the initial run itself.
The following changes should be applied to run.cmd, for those who are getting similar firewall issue. Please get the proxy details from your System Admin.
"-Dhttp.proxyHost=<proxy host> -Dhttp.proxyPort=<proxy port>"
set DEPENDENCYFINDER_OPTS=-Xms512m -Xmx1024m -Dhttp.proxyHost=<proxy host> -Dhttp.proxyPort=<proxy port>
java -Xms512m -Xmx1024m -Dhttp.proxyHost=<proxy host> -Dhttp.proxyPort=<proxy port> -cp "%CP%" -Dredhatlogdir="%LOGDIR%" -Dconfig.xml="%CONFIG_XML%" com.mwc.mat.ToolMain
5. Re: Migration - Taking Very Long Timetomjenkinson Oct 3, 2011 7:51 AM (in response to rajababu)
Thanks for confirming the issue Raja, I have Jirad this: https://issues.jboss.org/browse/MASS-7