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Eguana lords it over Tesla
Bob Moriarty discusses a tiny Canadian technology company based in Calgary with an award winning battery/power converter that is more powerful, more portable and easier to install than the Tesla equivalent. THANK YOU BOB
Distributed Storage
Between 2014 and 2024 solar/wind power systems or Distributed Energy Storage Systems (DESS) are predicted to increase some sixty-fold from 200MW to greater than 12,000MW, according to research firm Navigant. That would put the market for DESS at $16.5 billion. Elon Musk plans on cashing in on the demand for this new technology with his Powerwall 2.0 home battery to be produced in his $5 billion "Gigafactory" in Nevada spanning 135 acres for the building alone.
A tiny Canadian technology company based in Calgary has already skunked Tesla with an award winning battery/power converter that is more powerful, more portable and easier to install than the Tesla equivalent. The average home installation would need two of the Tesla Powerwall devices but Eguana Technologies Inc. (EGT:TSX.V; EGTYF:OTCQB) can provide the same storage capacity with one unit.
A DESS unit is composed of three different elements. You have a power source that can be solar, wind or even the grid itself during non-peak hours. You also have an inverter/power control unit that converts the input power for passing on either to the user or to a storage unit, some form of battery for later use. The power control unit also has to be able to pass higher voltage power back to the grid when necessary or desirable. The third part of the triangle is a battery or storage unit.
Ambrose Evans-Pritchard of The Telegraph just wrote an interesting article about the technology of batteries for DESS in the last week. In the piece he quotes another industry expert, the consulting group McKinsey, as saying they estimate the total market as $90 billion by 2025.
Evans-Pritchard begins the article suggesting the next energy revolution is no more than five to ten years away. It will be led by battery technology as costs are decreasing far faster than either solar or wind power inputs. Batteries for storage are literally the missing link but costs are plummeting. Between 2011 and 2014, prices for storage dropped 50%. Elon Musk believes he can lower the cost of DESS to $100 per kWh by 2020 at which point solar becomes competitive with carbon-based power generation.
Storage for energy is the missing link, the holy grail of renewable energy. Solar cells and wind turbines have been around for yonks even if hardly economic. But the wind doesn't always blow and the sun doesn't always shine. An affordable way to store excess energy for use when it is most needed or to pass back into the grid makes renewable energy possible. At some price it even will surpass the value of carbon-based energy with all its attendant problems. An inexpensive battery/storage system makes the entire concept viable.
Eguana Tech is a fifteen-year-old company that is brand new. The company spent those years and $30 million developing the technology for the power control units that sandwich between the solar panels and the battery storage units. They simply have the best inverters/power control units in the market being 4–12% more efficient than the competition in power conversion.
The company has installed units in over 5,000 storage systems. It is a 3rd generation platform with 35+ MW operational. They have a variety of patents protecting their technology with both a low-cost and high-performance advantage over other companies.
I said the company was fifteen years old but that it is brand new. With the decreased costs of both solar cells and battery/storage units, a year ago the company made the decision to transition from design to market penetration intending to ride the wave of commercialization as lower costs drive demand higher by 45% per year.
Eguana has cash flow now with revenue trending at a $6 million per year run rate. With the 18 design wins over the past twelve months in the US, Europe, Australia and Japan, it's time to convert design into sales on a massive scale. By my figures, with their penetration in the California, Hawaii, Australian and German market, the company could achieve sales of $60 million per year in the next 18 months. Gross margins should be in the 25% to 35% range.
Automobile manufacturers are starting to enter the residential DESS marketplace with Daimler and Nissan indicating an interest and participation. In June of 2016 Eguana announced delivery to an unnamed German carmaker of their Power Control Solution (PCS) for integration in a European designed DESS.
Currently potential and actual customers are battery manufacturers, distributors of solar or wind power systems, and electric utilities. Eguana's competitive advantage is in their software technology that optimizes storage performance and power conversion both in and out of the storage unit with a 4–12% advantage over other manufacturers.
The race is not to the swift nor the battle to the brave but that is the way to bet. What the market is going to reward now will be the ability to pivot on a dime. The DESS market is fluid but giant in potential. It will be as important for a company to be able to change direction as to have a technological advantage. Every jurisdiction has different legal and technical requirements. Eguana is targeting the most attractive and economically potential markets first without betting the farm on any particular market.
Elon Musk is bringing a lot of attention to both the automobile and the battery storage market with his $5 billion dollar investment in the future. In one way, he is actually doing the marketing and customer education for Eguana. With the size and penetration of the batteries from the Gigafactory into the market, Tesla will be naturally slower to pivot because of their mass. Eguana can modify products to fit changes in demand in a far shorter time frame. So they get the benefit of his marketing yet retain the flexibility of a small company.
In his speech at the Tesla annual meeting on May 31, 2016, Elon Musk said that the production of batteries could be a bigger business for Tesla than the manufacture of electric vehicles. Tesla believes their DESS business could grow from $160 million per year now to over a billion dollars in a couple of years.
For the next fifteen years, renewable energy is going to be "The Next Big Thing" as the decreasing cost of solar, wind power and battery storage solutions make renewable energy competitive with carbon based power generation. Eguana is perfectly positioned to ride that wave of economic opportunity. They have income now with experience in the market place and are aiming at a major push into serious revenue increases in the next year.
Eguana is just entering the most interesting and highest potential growth phase of what everyone believes will be an enormous market. Their ability to change and manage curvilinear growth will be the key to their success and potential down the road. I've talked to management at length about their plans and how they see themselves growing with the market. This is a management issue. The demand exists and will continue to expand. The only question is can Eguana expand with the market.
I believe they can and as a result I bought shares in the open market based on my belief they have both the technology and the management bandwidth to transition from a tiny Canadian junior to a major player in a big market.
Eguana shares were as low at $0.08 in January before starting a climb to a high of $0.39 a share in June. The share price has made a perfectly normal correction down to $0.25 this month and has just broken out higher. I expect them to be making a new yearly high shortly. Eguana did a $7 million private placement that closed in early July and is well cashed up for the next year and a half.
With Eguana you are buying blue sky. The company has a market cap of about CA$60 million. Based on their prior sales and projections for the future, that would seem perfectly reasonable. But I think investors have to take into account the growth rate of the industry and the potential for Eguana to execute.
Rather than look at a $60 million per year run rate, I think you have to think about a company doing $60 million a year but increasing at an annual growth rate of 45%. If you plug that into a spreadsheet, the numbers get big in a hurry. And the 45% is the average of all companies, not one that is a technical leader in their own niche. I really do believe Eguana has skunked Tesla.
Eguana is an advertiser and as such I am naturally biased. I own shares bought on the open market. Their website is a little too technical for my tastes but it will be easy to follow their financials which will reflect the success or lack of success of their business plan. Do your own due diligence.
Eguana Technologies
EGT-V $.29 (Aug 15, 2016)
EGTYF-OTCQX 199.3 million shares
Eguana website
Source: Bob Moriarty for The Energy Report
1) The following companies mentioned in the article are sponsors of Streetwise Reports: None. The companies mentioned in this article were not involved in any aspect of the article preparation or editing so the expert could write independently about the sector. Streetwise Reports does not accept stock in exchange for its services. The information provided above is for informational purposes only and is not a recommendation to buy or sell any security.
2) Bob Moriarty: I or my family own shares of the following companies mentioned in this article: Eguana Technologies Inc. I personally am or my family is paid by the following companies mentioned in this article: None. My company has a financial relationship with the following companies mentioned in this article: Eguana Technologies Inc. I determined which companies would be included in this article based on my research and understanding of the sector.
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Henry Sapiecha
Posted on August 17th, 2016 by Henry
Filed under: BATTERY POWER, EGUANA, MOVERS & SHAKERS, TESLA, Usa


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The UID field
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Get the UID value
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I know that doesn't apply to girls in general (specially on our waist size) but it's so true in this particular Céline Fall 2011 bag. It's that infamous drooling smiley bag. The phantom bag.
I really love this particular grey shade, since it's a neutral colour that doesn't look boring at all, unlike black. I usually don't prefer black on any of my clothing item or accessory until I'm seriously desperate on choosing what to wear, you know, those moments where nothing you wear seem right for the occasion. These days I stroll around white-beige-tan shades a lot more often in daytime, and so I daydream of strolling around the street with this beauty even more.
The size is a wider expansion of the famous Céline luggage tote. Zipped up, the shape will be closer to the initial luggage tote. The calf leather is buttery soft and supple, and I'm afraid to say that just like any other Céline tote this bag will become very slouchy and lose its original physique. It's still a very attractive bag nonetheless.
Can I use not having a grey bag as an excuse?
Images courtesy of PurseBlog, spottedfashion and various other sources


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Asked Questions
Signing On
and Using Business Online Banking..
What do I need to access business online banking?.
Can I use the web browser on my mobile phone or mobile device to access business online banking?
the web browser on my mobile phone or mobile device work to access the full
business online banking website?
forgotten my sign-on ID, password, and/or security questions.
current is the information in business online banking?.
What types of
accounts are included in business online banking?.
Do you have
any suggestions on naming an account?.
business online banking work with other accounting software (e.g., Quicken®,
QuickBooks®, Money®)?
Why is it important to "sign out" when I'm finished using business online banking or when I walk away from my phone/computer?. 8
I can't
see one of my accounts on business online banking.
When I
click on an account, no transactions are showing.
are some areas on business online banking that require PDF reader software.
Where can I download this software?.
Am I required
to provide an email address to use business online banking?.
Accessing Business Online Banking..
Why can I
view other areas of Royal's website but I can't get into business online
When I
attempt to sign on to business online banking, I get an error message stating
that my sign-on ID, password, or security questions entry is incorrect. What
should I do?.
I see a
message from my browser stating that a pop-up has been blocked. What does this
mean? How can I fix it?. 11
browser is telling me that the Security Certificate for business online banking
is expired. How can I be sure that I am accessing a secure site?.
Why is
business online banking not working for me?.
Online Banking Security..
How secure is business online banking?. 13
anyone else see my account information? Is it out in public?.
Other security questions. 13
What are
Funds/Making Loan Payments via Business Online Banking.. 15
Can I stop or
modify my request to transfer funds?.
Why doesn't
the balance to my loan account update when I make a transfer using business
online banking?
I paid
my loan on the day it was due, but the payment did not show up in the account
until the next day and there was a late charge. Why did this happen?.
What if
business online banking goes down? Will my payments be made? Will my transfers
go through?
What are the
check boxes for on the Transaction Activity screens?.
Why is the
number of items displayed on my Transaction Activity screens limited?.
looks like one of my checks was cleared under the wrong check number. What
should I do?.
How do I see the amount of my loan payment that was applied to principal & interest?.
Why can't I
see some of my check images?.
I can't
see what I wrote on the check.
Why is
my check stamped with "NSF"?.
What is the
best way for me to print my check images from business online banking?.
How do I view
my current Visa statement online?.
Can I
make a credit card payment online?.
When I
make an online credit card payment, how soon is the payment posted to the
available credit?
Can I
change my option to receive Visa statements either on paper or
Why don't I
see my credit card history or information in business online banking?.
My Visa
statement will not display. How do I get it to display?.
Business Bill
Pay – Online Bill Payments.
How much does
it cost to use business Bill Pay?. 21
How do
I enroll in business Bill Pay?. 21
Is business Bill Pay secure?. 21
Who can I pay
with business Bill Pay?. 21
How are
business Bill Pay payments sent?. 22
Can I
choose the method of payment when using business Bill Pay?. 22
How do
I ensure that my payee receives my payment on the due date?.
Should the
payment date I give on a business Bill Pay payment be the date the payment is
actually due? 22
Why does it
take a few days to process business Bill Pay payments?. 23
should I do if a business Bill Pay payee has not posted my payment?. 23
How can
I prove payments and transfers were made?.
When I set up
my payment in business Bill Pay, why didn't it allow me to take the funds from
my savings account? 23
Can I
select a default business Bill Pay account?. 24
soon are the funds actually taken out of my account when I use business Bill Pay?. 24
What happens
if I don't have enough money in my account to cover a business Bill Pay
payment?. 24
How do
I get help with business Bill Pay?. 25
What are
Why use
there a cost to receive Alerts?.
are Personal Alerts?.
When are
Alerts sent?.
Can I receive
my Alerts as a text message?.
What financial Alerts are available?. 27
How do I set
up or discontinue receiving Alerts?.
Statements & Info. 27
How do I sign
up for Statements & Info?. 27
What do Statements & Info consist of?. 27
When will I
receive Statements & Info?. 28
long am I able to see documents?. 28
What if
there is an error in a document sent to me?. 28
How do I view
Royal statements electronically?. 28
statements are currently available to be delivered electronically?.
How do
I view tax statements electronically?. 29
tax forms are currently available through tax statements?. 29
will I receive my tax information?.
haven't I received any tax forms?.
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find my tax information on business online banking?.
I would like
to have my tax refund direct deposited to my account, but I need Royal's routing
number and my account number. Where can I find this information?.
Why is the
amount on my 1099-INT higher than the interest earned on my accounts?.
Business Mobile Banking..
Can I use the
web browser on my mobile phone or mobile device to access business online
Can I use
text messaging (SMS) on my mobile phone to access business online banking?.
Can I use the
full Royal Credit Union website and full business online banking from my mobile phone or mobile
device? 33
Will the web
browser on my mobile phone or mobile device work to access the full business
online banking website?
Why is
business online banking not working for me on my mobile phone or mobile
How do I get
the free Royal Business mobile app for iPhone®, iPad®, or iPod Touch®?.
How do
I get the free Royal Business mobile app for AndroidTM
Contacting Royal Credit Union..
How can I
contact Royal Credit Union?.
information will I need when I contact Royal Member
Service?. 34
You will need a computer with an up-to-date web browser, and an Internet connection. Browsers and operating systems that are no longer receiving updates from their developers should not be used. In order to ensure you have the most updated version, we recommend enabling automatic updates for your browser or operating system, if possible.
Business mobile banking is the simple, convenient and secure way to access your Royal Credit Union business accounts. It allows you to check balances, transfer funds, and pay bills on the go! It's simple, convenient and secure.
Business mobile banking offers all this:
Account Overview – be able to view Royal business online banking
· Business Bill Pay – pay bills online
Cross Member transfers – transfer money to different Royal
Search transactions – sort transactions by date, amount, or
· Loan applications – apply for a loan
· Locations - get directions to nearby offices and ATMs
Contacting us - Member Service will provide you with the
information and support you need
Business mobile banking is FREE and SECURE.
If you prefer to
use full business online banking on your mobile device, from mobile web, click
on the View full business online banking link.
While our full business online banking solution was not designed with mobile browsers in mind, most functions work normally on modern mobile browsers. Just like full online banking, for the best experience, we recommend that you keep your mobile browser updated.
If you forget your sign-on ID, password, or security questions, or you become locked out of business online banking, please call Member Service at 800-341-9911, option 6, or stop by an office and someone will assist you.
Most transactions and balance updates are reflected on business online banking as soon as the transaction is performed. For example, any transaction you do at a teller line or an ATM will immediately appear on business online banking. It may take 1-3 business days for Royal Credit Union Visa payments or signed debit card transactions to appear on business online banking.
You can access the following types of business accounts (not including sole proprietor accounts):
Here are a few tips for naming your accounts:
Absolutely! Business online banking was designed to be highly compatible with this popular software, so you can download files for your financial management software directly from it. This can be done by clicking the Export link in the top right corner of the Transaction Activity page within business online banking.
The files you download from business online banking can be used with the following export options:
If you have questions regarding the functionality, are experiencing issues with one of the software programs listed above, or would like to upgrade, please contact the vendor directly or visit the vendors' website for technical support.
Once you have signed in to business online banking, you have begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM while your card is still in the machine.
For your security, business online banking will automatically end your active session if there is no activity on your session for 15 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting Sign Out.
To add an account to be displayed on business online banking, some information needs to be verified with Member Service. Please contact us by calling 800-341-9911, option 6, to get an account added to your business online banking.
Posted transactions to your account are tracked by the system from the point of enrolling or adding the account. So, as time goes by, transactions will begin to show in your register. If you have had transactions in your register in the past, and they are no longer showing, please contact us via Messages within business online banking, email firstname.lastname@example.com or call 800-341-9911, option 6.
Many computer systems and browsers can view PDF
files natively, but if yours does not, there are many choices available. One
option for Windows users is Adobe® Reader®. Please visit the Adobe® Reader® website
for download instructions.
Yes, to use business online banking you must agree to the business online banking terms and conditions which include providing an email address and keeping it up-to-date on business online banking.
The benefits of providing an email address and keeping it up-to-date are:
To keep your email address up-to-date even easier for you, we will periodically prompt you to review your email address and give you the opportunity to confirm or update it at that time. Email addresses can also be updated anytime on the My Profile screen within business online banking.
If you are able to view other areas of our website, but are unable to access business online banking, it may indicate that you are having a browser or PC issue.
If you are sure that you have a supported browser, here are two very common reasons that you may not be able to sign on to business online banking.
For instructions on how to add a cookie exception to your third party cookie blocking software, please see your browser's product documentation or contact the product's customer support.
If you still cannot sign on to business online banking after trying everything in these steps, please consider checking your computer for Malware programs. You can do so by using various computer security software packages, or getting help from your local computer professionals. If problem software is found, we recommend not using that computer to access business online banking until the problem is resolved and the computer has a clean bill of health.
You may have inadvertently entered your sign-on ID, password, or security questions incorrectly. Make sure you are using the correct sign-on ID and password, and then select Sign-On from the menu above to try again.
· If you cannot
remember your sign-on ID, click the Forgot your Sign-On ID? link on the Sign-On screen.
· If you cannot
remember your password, click the Forgot your Password? link on the
password entry screen.
· If you cannot remember your security question answers, contact Member Service by calling 800-341-9911, option 6.
Business online banking will occasionally use a new window to show content, for example when you visit business bill pay, view a statement, or look at your Visa credit card statement. This is normal behavior, but sometimes your browser's pop-up blocker will incorrectly flag this as pop-up advertising and block it. For more information on dealing with pop-up blocker issues, and instructions to add web sites to the exception list, please see the following links.
Here are links to
information about changing your security settings, including pop-up settings, in
various versions of Internet Explorer:
Mozilla Firefox Pop-Up
Blocker Information
Google Chrome Pop-Up
Blocker Information
The most likely reason for this problem is that the date is set incorrectly on your computer. Please change the date on your computer to the current date. Most computers are able to get the date automatically from the Internet. You may want to check to see if this is set for your operating system.
If your computer's date is correct and you are still getting a Security Certificate error, please go to rcu.org and navigate to business online banking to ensure that you are at the correct site. If after this, the issue is not resolved, please contact our Member Service Team via your Messages within business online banking, email firstname.lastname@example.com or call 800-341-9911, option 6.
This is a broad
question that has many possible solutions. Below are the most frequent ways to
address this problem.
If you have not found an answer to your problem, please contact our Member Service Team via email email@example.com or call 800-341-9911, option 6. Please provide your browser, browser version and operating system information as well as the details of your problem.
The safety and security of your information is our top priority. We use leading industry technology to safeguard your accounts and protect the integrity of your transactions.
No. Your online account information is available
through access methods that have been rigorously tested for security
accessibility. The information is not public. Only you can access it using your
sign-on ID, password, and security questions.
You can help safeguard your
information by protecting your sign-on ID, password, and security questions. A
proper combination of your sign-on ID, password, and security questions is the
only way to get access into your account. Please be careful to keep this
information secure, and be sure to sign off when you are done with your
You will be prompted to set up five security questions the first time you log
in to business online banking. After you set up these questions, you may be
presented two questions at subsequent logins if the device or IP Address you are
logging in from hasn't been used before or is used frequently by different
users. Simply answer the questions with the responses you created at enrollment
and you'll be set!
Cookies are small text
files on your system, used for keeping track of settings or data for a
particular website.
For additional information, see the cookies information on rcu.org.
For one time immediate transfers or
payments, you can modify or cancel your funds transfer request at any time before you confirm the transfer request. However, after you've completed a funds transfer transaction, you cannot stop the transfer from occurring. At that point, if you change your mind about the amount you wanted to transfer, simply make a new transfer to move the funds between the appropriate accounts.
For future and/or recurring transfers or
payments,you can edit or delete a transfer at any time prior to the transfer date. This can be done by clicking the Cash Management tab, and then clicking either Review Scheduled Transfers or Review Scheduled Payments to see a list of pending items. This is where you can delete or edit the transfer or payment.
If a payment to a loan brings down the principal balance, the new balance will immediately display in business online banking. If the payment only satisfies interest on the loan, then the balance will not decrease.
All loan payments must be made by 8 p.m. CST on the day it is due. If you make the payment after 8 p.m. CST, the payment may not show on your account until the next day and you may receive a late charge. An easy way to remember to make your loan payment(s) on time is to set up a recurring loan payment. That way the payment will be made in the morning on the day it is due and you will not receive any late charges.
You have the option to reconcile transactions on
the Transaction Activity screens for your checking accounts and money
market accounts by marking a checkbox next to each transaction. Once you mark
the transaction, the information is stored and will display next time you log
on. This is a great balancing tool!
Please contact our Member Service Team via your Messages within business online banking, email firstname.lastname@example.com or call 800-341-9911, option 6.
You can easily view how your loan payment was divided between principal and interest.
Royal recommends you use black or blue ink when writing checks. Use of other writing utensils, such as gel pens or pencils, will result in a poor image.
Your checking account had non-sufficient funds and your check was returned to Royal and stamped with "NSF." We then returned this check to the merchant, who may have tried to redeposit your check. Your check cleared the second time; however you will see the initial NSF stamp on the check image.
For a printer friendly version of the check image, click on your check image. You will see your check image enlarged in its own section of the screen. Click the Print button.
From the Accounts page within business online banking, click your credit card account. Your Credit Card Account Access page will display in a new window. Select Statements from the top menu, and then select the View Statements sub-menu option.
You can make one-time immediate, one-time future or recurring credit card payments in business online banking. Click Cash Management, then click Make a credit card payment.
If you are paying from another financial institution or want to schedule recurring amount due or minimum amount due payments from a Royal account or from another financial institution, click on your credit card account on Accounts screen. Your credit card account access page will display. Then select Payments from the top menu.
Payments scheduled through your credit card account access must be submitted by 5 p.m. CST in order for your payment to be posted to your credit card account with today's date. Payments made using the business online banking credit card payment feature must be completed by 5 p.m. CST Sunday through Friday (except holidays) to be posted with today's date. Although your payment will be credited to your account today, you should allow at least three business days before the payment is reflected in your available credit. If your payment is not received by the due date on your statement, the account will be subject to the fees and finance charges as described in your Cardholder Agreement.
Yes, you can protect your confidential credit card information by choosing to discontinue paper statements.
For your Commercial Rewards Visa account, to discontinue receiving paper statements, call Royal Business Services, 800-341-9911 ext. 3040, and a Business Services Representative will set the option to discontinue paper statements per your request.
You can return to paper statements by following the same process.
When you indicate you do not wish to receive paper statements, you will automatically receive a monthly email reminder when your Visa Statement is available online.
Royal Credit Union considers your credit card to be completely separate from your typical savings and checking accounts, so it does not display the same way that these accounts do. There are two ways to view credit card history:
1. Click on that specific account on the Accounts screen. From there, you will be linked directly to your credit card information on the Credit Card Account Access page.
2. Click on a different account on the Accounts screen. From the accounts dropdown list on the Transaction Activity screen, select the credit card. The Transaction Activity screen will display for that credit card.
To access your Visa
If you are
presented with an error message, please read the message carefully and take
appropriate action. If Visa statements are currently unavailable, please try
again later.
When you select View Statement PDFs, your credit card statements will display in a new
window. Some pop-up blockers will block the opening of this new
Most of today's
internet browsers have a built-in pop-up blocker which prevents Royal eBranch from
displaying the credit card statements in a new window. You may need to add the
credit card statement site to your pop-up blocker settings to see your Visa
Statement. That web address is https://www.ezcardinfo.com
See the item "I see a
message from my browser stating that a pop-up has been blocked. What does this
mean?" for more information on how to allow
pop-ups for a website.
$0 - there is no monthly or per payment transaction fees for using business Bill Pay. Please see the business bill pay Terms and Conditions disclosure for more details.
To enroll in business Bill Pay, you must first be enrolled in business online banking. Once you are enrolled in business online banking:
1. Click the Cash Management tab, then click the Pay
your bills link.
3. Royal will review and
decision the enrollment.
4. Once approved, you can access business Bill Pay, then add
payees and set up your payments.
Online bill payment is recommended by security experts as one of the safest ways to pay your bills. According to research conducted by Javelin Strategy and Research, using the Internet for banking and paying bills actually reduces the threat of identity theft and banking fraud. Business Bill Pay has multiple layers of security to ensure that you are protected.
With business Bill Pay, you can pay virtually anyone with a current address within the United States.
Payments are sent two ways: electronic payment and paper check. On average, electronic payments are sent to more than 70 percent of payees. For payees who can only accept checks, your account is debited electronically and an authorized paper check is issued on your behalf.
For payments you are making to individuals you can set up an electronic payment or have a check sent. For payments to a business, business Bill Pay processes all payments possible through electronic transfers. When an electronic transfer is not possible, a paper check is sent and mailed through the U.S. Postal Service.
Your payment will be processed on the date you provide, except on weekends and Federal holidays. Transfers are processed at 3 p.m. CST Monday - Friday except on Federal holidays. If you enter a payment prior to the Payment Processing Date, the payment will be processed ON the Payment Processing Date entered. If you enter a payment after 3 p.m. on the same day as the Payment Processing Date, the check will be processed on the NEXT WEEK DAY (excluding Federal holidays). Payments scheduled to occur on weekends or Federal holidays will process before or after the pay date per your specifications.
We recommend you submit payment requests using the estimated arrival date feature within business Bill Pay to choose your pay date. This feature will take into account the method in which the payment will be sent (check, electronic transfer, etc.). This ensures there is sufficient lead time to process your payment and get it to the payee by the due date.
No. You need to allow time for the payment to reach your payee. We recommend you submit payment requests using the estimated arrival date feature within business bill pay to choose your pay date. This feature will take into account the method in which the payment will be sent (check, electronic transfer, etc.). This ensures there is sufficient lead time to process your payment and get it to the payee by the due date.
Payments scheduled to occur on weekends or Federal holidays will process prior to the pay date or after the pay date per your specifications. The business Bill Pay cutoff time to enter payments for the current date is 3 p.m. CST.
Electronic funds transfers happen quickly, but not immediately. It may take several days for the payment to be received and processed by the payee. We recommend you submit payment requests using the estimated arrival date feature within business Bill Pay.
Please allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, verify that the address for the payee is correct. Contact the payee to determine if the payment has been received. If it has not, contact business Bill Pay support at 1-866-579-7498 for options. Business Bill Pay support representatives are available from 6:30 a.m. to 4:30 p.m. CST, Monday through Friday.
With each payment, you are given a confirmation number. This confirmation number indicates that we have received it and is used for tracking payments if a problem occurs.
Cleared payments and
transfers also appear on your account's Transaction Activity screen in
business online banking. If you see Cleared in the Cleared column for the
transaction, the transfer or bill payment has posted against your
Your monthly statement from your payee should also
indicate the date and amount of the payment.
Due to government regulations, you must have the funds for any business Bill Pay payment come from a checking account.
Yes, you can change a default business Bill Pay payment account.
Funds will be debited from your Royal account as early as the morning after the pay date on your business Bill Pay payment. Always make sure that there is enough money in the account when the payment is processed on business Bill Pay.
Example: If you schedule a business Bill Pay payment prior to 3 p.m. CST with a pay date of Monday, then the funds will be debited from your account on Tuesday morning.
Please note that business Bill Pay payments are processed on week days, excluding Federal holidays.
If your account has sufficient overdraft protection to cover the payment, we'll draw against that. If funds are not available in your account at this time, a Non-Sufficient Funds (NSF), Courtesy Pay, or Uncollected Funds charge will be deducted from your account.
If this happens, the payment will be cancelled, and the payee will never receive the payment. A new payment will need to be made, or an alternate method of payment will be needed to make sure that the payee receives their payment.
Read all of the FAQs (frequently asked questions) related to business Bill Pay to see if they answer your questions. If you are still in need of help, you may contact business Bill Pay support representatives at 1-866-579-7498 from 6:30 a.m. to 4:30 p.m. CST, Monday through Friday.
Alerts are electronic messages that allow Royal to communicate account information or reminders to business online banking users through email or your Messages within business online banking. They are triggered by conditions you select; for example, a check number clearing your account, a direct deposit credit, and more.
Once set up, Alerts allow you to keep closer watch on your accounts with no extra effort. Messages are sent automatically when conditions you have selected are met. Benefits of Alerts include:
No. Royal provides Alerts free through business online banking. You need to have access to business online banking in order to use this service. If you select to receive Alerts via email or Messages within business online banking, you will be responsible for any fees related to Internet, email, or data usage and/or availability through your service provider(s).
Personal Alerts let you create a short reminder message and specify the date you wish to receive the message.
Use these Alerts as convenient reminders of any dates that matter to you such as due dates, appointments, special events, birthdays, and anniversaries. For example, set up a Personal Alert in advance of your monthly loan payment and include the actual due date and standard loan payment amount. You can also make this a recurring message.
Personal Alerts are another convenient way to help you manage your financial accounts and your life.
Your Alerts offer automatic notification. You don't need to wait for a monthly statement. Alerts related to account activity will be automatically sent when business online banking receives the financial information. Generally, this will be in the early morning each day, and whenever you sign on to business online banking. Messages not related to account activity (Personal Alerts) will be sent at 11 a.m. CST.
No. Alerts are sent either to your specified work email address or your Messages within business online banking.
The following Financial Alerts can be created (based on your entered criteria):
· Balances: An
Alert will be triggered when an account goes above or below a certain
· Checks: An
Alert will be triggered either when a certain check number clears or a check for
a certain dollar amount clears.
· Other
Transactions: An Alert will be triggered when a transaction type (ATM,
electronic, debit card) of a certain amount clears.
At any time, you can make updates to your Alerts by clicking the Service Center tab, then clicking the Alerts link on the left.
When you accept the Terms and Conditions of business online banking, you are able to view Statements & Info electronically. You can choose to receive communications only electronically, and can change your preferences at any time. You can update your preference to stop paper format or resume paper format at any time by clicking the Accounts tab, then clicking the Statements & Info link on the left. Within this screen, click Preferences.
Statements & Info are Royal Credit Union forms (or communications) sent to you electronically and through the mail if you specify you want to receive them that way as well. These include (but are not limited to) Statements, Tax Statements, Loan Notices, and Annual Disclosures.
Please ensure that you are receiving all Communications by keeping your email address current on business online banking..
As additional Communications are made available, they will be sent to you electronically.
Communications will be sent out based on the timeframe of the communication. For instance:
Communications documents will be retained for you for up to three years.
If you believe you have received a Communication in error, please contact our Member Service Team via your Messages within business online banking, email firstname.lastname@example.com or call 800-341-9911, option 6.
When you click on a
specific statement, your statement PDF document will display in a new window.
Some pop-up blockers will block the opening of this new window.
Most of today's
internet browsers have a built-in pop-up blocker which prevents Royal business online banking from
displaying the statement in a new window. You may need to add Royal business online banking to
your pop-up blocker settings to see your statement window.
Currently Statements, Tax Statements, Loan Notices and payment coupons, and Annual Disclosures are delivered electronically.
Simply click the Accounts tab, then click the Statements & Info link on the left. On the Communications screen, click Tax Statements on the left. Available statements will be displayed.
When you click on a specific Tax Statement, your Tax Statement PDF document will display in a new window. Most of today's internet browsers have a built-in pop-up blocker, which may prevent the new window with your Tax Statement from displaying. You may need to add business online banking (business.rcu.org) to your pop-up blocker settings in order to remedy this.
Note: Tax statements are not available to subusers. The documents are only available to
the business administrator.
Forms 1099-INT, 1099-R, 1099-SA, 1098, 5498, and 5498-SA are delivered electronically through Tax Statements.
Tax forms 1099 and 1098 are available within business online banking by January 31, each year. You can find these forms within business online banking by clicking the Accounts tab, then clicking the Statements & Info link on the left, then clicking the Tax Statements link on the left. If you earned less than $10 in interest on your accounts in a tax year you will not receive an interest reporting tax statement for that tax year.
IRS tax
forms 5498 are mailed by May 31, each year.
If you earned less than $10 in interest on your accounts in a tax year you will not receive an interest reporting tax statement for that tax year.
If you elected to receive communications electronically, your tax forms are available by clicking the Accounts tab, then clicking the Statements & Info link on the left, then clicking the Tax Statements link on the left.
If you receive tax forms by mail, the address we have on file for you may be different than your current address. To verify the address we have for you or update your address, please contact our Member Service Team via your Messages within business online banking, email firstname.lastname@example.com r call 800-341-9911, option 6.
There are two places to find tax information in business online banking:
1. You are also able to view and print several of your tax forms online. You can find these forms within business online banking by clicking the Accounts tab, then clicking the Statements & Info link on the left, then clicking the Tax Statements link on the left. If you earned less than $10 in interest on your accounts in a tax year you will not receive an interest reporting tax statement for that tax year.
2. Year-to-date information can be found for any account. Click the Accounts tab. Click on any account so that the Transaction Activity screen displays. Click the Account Details link at the top-right; information like Interest Paid YTD will display. Note that this information is specific to the account and is not an aggregate of interest that may be reported on your 1099.
Royal's routing number is 291880411.
If you are a business administrator, or if you are a subuser that has been given administration rights, you can find the account numbers of your accounts by clicking the Administration tab, then clicking the Account Set Up link on the left.
If you are a subuser and you cannot see the Administration tab, then you have not been given administration rights. Contact your business administrator for information.
If you were listed as POD (Payable on Death) for a Royal Credit Union account, the beneficiary interest for the portion of funds you received after the date of death would have been added.
With business mobile banking you have access to:
· Loan applications – apply for a Royal loan
If you prefer to use full business online banking on your mobile device, from mobile web, click on the View full business online banking link.
Text Messaging Access for businesses is a service that Royal has discontinued with the upgrade to business online banking. Business online banking can be easily accessed from your mobile phone via apps or mobile web. See the question "Can I use the web browser on my mobile phone or mobile
device to access business online banking?" to find out how!
Yes. While business mobile is optimized to give you the best experience on your mobile device, there may be times you need to use the full Royal Credit Union website or full business online banking. For this reason we have placed links on the bottom of the mobile webpage to View full website and View full business online banking.
While our full business online banking solution was not designed with Mobile browsers in mind, most functions work normally on modern mobile browsers. Just like full online banking, for best experience, we recommend that you keep your mobile browser updated.
This is a broad question that has many possible solutions. Below are the most frequent ways to address this problem.
Visit rcu.org on your iPad, iPhone, and iPod touch and choose Login and select Business. There is a direct link to the app from there.
rcu.org on your Android device and choose Login and select Business. There is a direct link to the app from there..
You may contact us via your Messages within business online banking, email email@example.com, or call 800-341-9911, option 6.
You'll need to make sure you include the following
· Your name
· A description of the problem
· Your operating system
· Your browser
· Approximate date and time the issue occurred
To find your
browser and operating system, use this link: www.useragentstring.com
iPad, iPhone, iPod touch, iTunes, Mac OS and Safari are trademarks
of Apple Inc., registered in the U.S. and other countries. App Store is a
service mark of Apple Inc.
Android and Chrome are trademarks of Google Inc.


text:
Oxfam New Zealand is dedicated to finding lasting solutions to poverty and injustice.
We are striving to achieve our vision of a safer, fairer world where all people can enjoy their basic human rights. We appreciate any information you may wish to provide in identifying ways of improving or modifying how we do things at Oxfam. If you have comments on how we can enhance the service and support provided then follow please feel free to contact us.
Please remember to tell us:
- Your name
- Your address and contact details
We ask for your contact details so we can respond directly to you. However, if you wish to remain anonymous it will be treated with the same level of importance.
Oxfam New Zealand has a complaints policy which provides a means of dealing with any complaints in a fair, prompt and understanding manner. We take expressions of dissatisfaction by partners, supporters, government agencies, other non-government organisations, other external bodies, other Oxfam affiliates and individuals very seriously.
Oxfam New Zealand provides an open and effective process for handling any grievance or complaint received. Complaints may be received verbally or in writing, but if made verbally are recorded and logged in writing. Any person may lodge a complaint with Oxfam New Zealand about any matter over which Oxfam New Zealand has control and that they consider gives grounds for a complaint. All complaints are treated confidentially.
All investigations into complaints received will take into account the rights of the complainant and any staff or partner that the complaint involves.
If you are not satisfied with the response to a complaint, you can request that it be taken to the Executive Director, and, if of a sufficiently serious nature, to the Board of Trustees.
Complaints are also an important component of supporter feedback and welfare. We will ensure that all feedback is communicated to the appropriate staff, and individual, appropriate actions are taken.
For any complaint alleging breach of the Council for International Development Code of Conduct, please contact via https://www.cid.org.nz/make-a-complaint or email@example.com


text:
Visit Australia for that holiday experience you will never forget. There are plenty of places to visit in Australia! The hard part is to pick only some. Explore the Great Barrier Reef. Appreciate one of the world's oldest Rainforests. Meet our unique wildlife. Friendly people, fabulous variety of places and delicious food & wine. Click on the map or photos below for further information on our states and territories to find out more…
Australia Expat Travel
Australia Expat Travel plan & book fantastic holidays to Australia & New Zealand. We are Australian expats that know our countries well! Trusted advice & service since 2004.
P.O.Box 8106, Newtown Post Office, Victoria 3220, Australia
Phone: +61 3 5221 0186
Email: [email protected]
Email: [email protected]


text: Bell recruited for first lead role 5:00 AM PDT 8/16/2007 by Scott Roxborough , AP FACEBOOK TWITTER EMAIL ME Empty COLOGNE, Germany -- Stuntwoman-turned-actress Zoe Bell, who played herself in Quentin Tarantino's "Death Proof," has signed on to star in an untitled action adventure from Marco Weber's Senator Entertainment. Bell will play a U.S. soldier adrift after returning home from a tour of duty in Iraq who decides to help a young girl in trouble. The project is based on an original idea from Weber, who also will produce, and screenwriter Sarah Thorpe ("Twisted"). "This film is a big challenge for me, especially the American accent, which I have to work on," New Zealand native Bell said in an interview. "But one thing is certain: I will be doing all my own stunts on the film." Weber, whose Senator Entertainment recently completed production on the Julia Roberts starrer "Fireflies in the Garden," cast Bell after seeing her in "Death Proof." Senator's Berlin-based distribution arm picked up the film for release in Germany. "When I saw Zoe in 'Death Proof,' I was immediately drawn to her ability and acting talent," Weber said. "Her background and likability made her a perfect choice for our lead." Bell rose to fame in the stunt world as the double for Lucy Lawless in "Xena: Warrior Princess." She also was Uma Thurman's stunt double in Tarantino's "Kill Bill" films. Screenwriter Thorpe recently sold her screenplay "Bounty Hunter" to Original Films. FACEBOOK TWITTER EMAIL ME Scott Roxborough firstname.lastname@example.com @thr AP email@example.com @thr


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The 2019 edition of the Houston Palestine Film Festival (HPFF), which is sponsored in part by the Houston Arts Alliance (HAA), marks its 13th anniversary with a lineup of award-winning features and shorts focusing on Palestine. The festival will run for two consecutive weekends: screenings on April 26 and 27 will be at the Museum of Fine Arts Houston, while those on the second weekend – May 3 and 4 – will occur at the Rice University Media Center.
HPFF is a 501(c)(3) non-profit organization consisting of a volunteer board of directors who are dedicated and passionate about keeping Palestinian cinema alive in Houston. It was founded in 2007 to bring an honest and independent view of Palestine, its diaspora, culture and political travails through the art of film.
We offer the Houston community an opportunity to learn about the many different perspectives of Palestine through a diverse selection of short films, features, and documentaries. For 13 consecutive years, we have partnered with the broader community to bring a wide variety of Palestinian films to Houston as a way to reach diverse audiences and to make the film festival accessible to the general public; as such, all of our screenings are open to the public. The short films, features, and documentaries we select each year are screened in partnership with the Museum of Fine Arts Houston (MFAH), Rice University, and recently, the University of Houston (UH).
This year's festival will open with Alexandra Dol's documentary "Beyond the Frontlines: Tales of Resistance and Resilience from Palestine," which won the Sunbird Award for Best Documentary Film at the 2017 Palestine Cinema Days Festival. The film features Palestinian psychiatrist Dr. Samah Jabr who thoughtfully explores the psychological wounds of war and occupation borne by a resilient people intent on resisting. Alexandra Dols and Dr. Samah Jabr will both be present post-screening to engage the audience in a Q&A session. The opening weekend will also feature Nadine Labaki's "Capernaum", the winner of the 2018 Grand Jury Prize at the Cannes Film Festival and a finalist for the 2018 Academy Award for Best Foreign Language Film. An emotionally gripping movie that is sure to generate passionate discussion about a myriad of social issues, "Capernaum" tells the story of Zain (starring Zain al-Rafeea), a young boy who sues his parents for the "crime" of giving him life.
The second weekend will open with Samira Badran's animated short "Memory of the Land." This will be immediately followed by Bassam Jarbawi's first feature "Mafak" (Screwdriver), a fiction film that deals with the physical and emotional turmoil faced by former Palestinian prisoner Ziad (starring Ziad Bakri) upon being released from Israeli jail. The final day of the festival will begin with Baha Abu Shanab's short "The Living of the Pigeons," followed by Julia Bacha's feature "Naila and the Uprising," the winner of the 2018 Special Jury Prize at the It's All True Film Festival, which explores the life of non-violence resistance leader Naila Ayesh and recounts the various stories of a community of women who played an essential role in the First Intifada in the late 1980s. Finally, the festival will close with Wisam Al Jafari's short "Congratulations for the New Wall Paint," followed immediately by a screening of Zelda Edmunds' "Imprisoning a Generation," a powerful documentary that chronicles the detention and imprisonment of four Palestinian children (ages 11-14) under the Israeli military system. Zelda Edmunds will be present post-screening to engage the audience in a Q&A session.
Twitter users can follow live discussions, news, and information at HPFF's official Twitter page and via the hashtag #HoustonPalestineFilms or on the festival's official Facebook page. Snapchat users can find us at hpff19 and Instagram users at houstonpalestineff.
Disclaimer: The author is speaking on behalf of HPFF in his capacity as a member of the Executive Committee. The opinions and views expressed by the author do not reflect in any way the positions of ExxonMobil, BDS Houston, or any organization other than HPFF that the author is affiliated with.


text:
Today we would like to express our gratitude and say Thank You to one of our loyal colleagues.
After 45 years of dedicated work for our company,
Hans-Olof Henriksson is retiring.
We wish him all the best in his next chapter in life.
TEXO is honored by your time here,
You will be missed by all of us!


text:
Dan Kehoe
North America
"Nagarro has consistently held our core values true and our customers successes above all else. We have always strived to be the "benchmark" by which all others are measured."
Technology Industry veteran, Dan Kehoe, lives not far from the world's busiest airport, from where he flies all around to meet with his many valued clients and prospects in a wide arc region sweeping down from North Carolina over to Texas. Since joining Nagarro in 2007, Dan's clients and prospects in the Southeast region experienced Nagarro first through his warm handshake and his sincere promises and personal commitments to their success-- and it's a responsibility that Dan takes very seriously. He has over 20+ years of knowledge and experience in the technology industry, and he has a keen understanding of today's many business challenges that companies are wanting and needing to solve using a wide range of technologies.
Dan served his country as part of the United States Navy, after which he attended The University of West Georgia. He is a highly experienced and successful sales and relationship manager and mentor. Dan has been trained and certified in several leading Sales Management programs such as Miller-Heiman, The Brooks Group and Franklin Covey.
Dan is the very proud dad of three amazing daughters, he is married to a wonderful wife and they all live in Atlanta, GA where the people are always charming and the airport is always busy!


text:
Infielder Willy Aybar is expected to join the Rays in spring training after he was freed from jail and domestic violence charges were dropped Wednesday in the Dominican Republic.
ESPNdeportes.com reported that Aybar's wife, Yessenia, withdrew her complaint and quoted Aybar as apologizing for "a big mistake" and promising to improve behavior that he admitted "has not been the most appropriate sometimes." The report also said Aybar, 24, and Yessenia, 23, who have been married seven years and have three children, have reconciled.
The Rays, in a statement from spokesman Rick Vaughn, said: "While details of this situation remain unclear, we are pleased that it has been resolved. We are encouraged that Willy has expressed remorse and accepted responsibility for his actions. The Rays are committed to providing a support system for him and his family when they arrive in St. Petersburg for spring training."
The Rays sent a letter to Dominican court officials promising to offer support to Aybar, who faced the possibility of three months in jail. Acquired in January from Atlanta, Aybar came to the Rays with a troubled past, having spent three months last season in a substance abuse rehab clinic. The Rays aren't sure when he will arrive as the trade, which changed his employer, could lead to a delay in getting a visa.
Aybar asked for forgiveness from his family and the Rays and said: "I know that if I focus, I can become a great baseball player, but also I want to be a good father, husband and citizen."
Rays sign lefty Miller
The Rays filled their glaring need for a proven left-handed reliever, bringing back Trever Miller on a $1.6-milllion contract, with a $2-million option (or $400,000 buyout) for 2009.
Miller, a Ray in 2004-05, has been primarily a left-handed specialist and done relatively well, holding lefty hitters to a .238 average over parts of nine big-league seasons. He lives year-round in Land O'Lakes and welcomed the chance to come back after pitching the past two seasons in Houston.
"It's been a blessing to be able to play big-league ball at home," said Miller, 34. "I didn't think it would happen again."
Miller had a 4.86 ERA in 76 games last season and has a career 12-14 record, eight saves and a 4.46 ERA.
"Trever is going to add a lot to the bullpen on and off the field," Rays executive VP Andrew Friedman said. "He's been very consistent getting out left-handed hitters and his strikeouts (310 in 379 innings) are always above average. We have really missed having a consistent lefty in the pen the past couple years."
HINSKE SIGNS: Infielder/outfielder Eric Hinske, the 2002 AL rookie of the year with Toronto, signed a minor-league contract with an invitation to spring training. Hinske, 30, a left-handed hitter, spent last season as a reserve with Boston, hitting .204.
Marc Topkin can be reached at firstname.lastname@example.com.


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Pundits call for having and utilizing your business network to stay on top of your work world. But telling you that you should use your network is one thing; how to go about doing that is another. Networking is about helping and supporting others and having your business network help and support you.
The help and support is not just about finding a job, though that is what is most written about. Instead, it is supporting each other in finding resources, helping solve problems and stay close to what is happening in your work world. In your one-on-one relationships with your business network, here are five principles to follow that will build a fanatical support business network.
Ask specifically how to help someone else
People in your business network can talk with you over lunch about some problem they are having — but never ask for specific enough help that you can take action on to solve the problem. When your business contact goes all over the map, ask what specifically you can do to help. The answer might be something simple as to getting some perspective on the problem by talking out loud with you about it.
But, often, people either don't know how or are embarrassed to ask for help. Cubicle Warriors overcome this by asking specifically how they can help.
Ask for specific help up front when you need it from your business network
A great manager once told me that you should state what you need up front in a conversation and then provide the details. The person will then know where you are going and can ask better questions while you are getting there.
This is perfect advice for asking support from your network. If you are looking for help, ask for it up front and then describe how and why the person you are talking to would be able to help. This approach will engage this person and both of you will come away with a better approach for support. No one wants to listen to a half hour story (or read a four page e-mail) only to get to what is needed at the end.
Make sure you do what you need to protect your reputation when advocating for others
When you advocate for someone in your business network, your personal reputation (or branding) is on the line. You are going to spend your relationship capital with someone you know for someone else. Consequently, you need to make sure that your reputation is maintained.
A good example comes to mind. I have a former manager who was willing to advocate for me to someone else that he knew — but only after I supplied a one page listing of why I thought I was qualified for what was needed and provided an updated resume. A lot of people could be offended by that because it comes across as a lot of work for a phone call, but the work needs to get done so as to preserve the reputation of my former manager.
Do what you say you will do
I had a long conversation about using transferable skills to support having the right job skills for a new position of someone else in my business network. When I talked through a few that were on his resume, he asked if I could look it over and offer suggestions. I willingly did and told him to send it to me in e-mail and I'd turn it around quickly.
That was six weeks ago.
You think I'm so willing to look it over now? Not so much.
Follow-up when support is given
Saying thanks to a person who helps you is no small thing to the person providing support. In the last couple of years I've provided job references for people that used to work for me. I always follow-up with the job candidate telling them that I got the reference and that I responded, usually through e-mail.
Of all of the people I've given references for, only one has sent a note of thanks. Just one. And this is for a job reference — that thing that gives you a paycheck to support your family. You would think telling your job reference "thanks" for helping with getting the job would be a mandatory thing to do. But it most often isn't. Amazing, really.
Get your business network to give you rabid support
If you want to have a group of people really supporting each other, follow these five ways to effectively work your business network. All pundits will tell you that your business network is the most important business tool you can now have to stay on top of your business and help find out where openings are for jobs.
But building an effective business network takes time and effort. Get specific in what you ask for and what you can provide. Maintain your reputation when advocating for others. Do what you say you will do and give thanks to people that provide you support. Doing this over time will build a passionate support network that wins for all of you.
How else can you support your business network?


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My wife was cleaning up after dinner one night when we caught our puppy Jack helping out in our dishwasher. He just loved licking everything clean especially that soup ladle. Check out the funny video below.
[youtube t76xW9ADUA8 320 240]
My wife was cleaning up after dinner one night when we caught our puppy Jack helping out in our dishwasher. He just loved licking everything clean especially that soup ladle. Check out the funny video below.
[youtube t76xW9ADUA8 320 240]
Check out the video of the Combat Zone 210 in action. The video is 30 seconds long but the combat zone shoots off 210 red and green flares in the last 15 seconds. It is VERY COOL!!!
[youtube j1UMxYwDICc]
If you want to add this awesome arsenal to your fireworks celebration you can find it at The Spirit of '76 Wholesale Fireworks website.
As a tribute to the 4th of July I thought I would list the top 15 most popular "4th of July" sites according to Digg (as of July 4th, 2008).
My favorite is the [pic] of the US Flag reflecting in the water droplets.
It has been 8 years since the release of Diablo 2. On June 28th, 2008 Diablo 3 was announced at the 2008 Blizzard Entertainment Worldwide Invitational in Paris, France. My guess is that Diablo 3 won't be released until the 2nd quarter of 2009 (June 29, 2009 exatly 9 years after Diablo 2) if we are lucky. But in the mean time we can begin to follow the game development and let the excitement start to grow. Check out these new videos:
Cinematic Trailer High Quality:
[youtube EgbUSsblCSQ]
Game Play Video:
[youtube ZtNleyGJfuQ]
Download hi-res videos from here: Diablo 3 Media
You can keep up to date on the new features in Diablo 3 by visiting the Official Website. Read Deckard Cain's Journal which covers the story line from Diablo 1 & 2 and includes videos from the previous games. Learn about the World of Sanctuary and the new character classes like the Witch Doctor. And much much more…
Diablo 2 is one of my all time favorite PC based games. My son loves to play the game with me and his friends. I own both Diablo 1 and 2 and I can't wait for Diablo III.
About 3 years ago I switched my cellular service from Cingular to Verizon Wireless because I was very unhappy with the customer service from Cingular. I continued to hear that Cingular and now AT&T were always scoring very low when it came to customer service. Especially last year after the rollout of the iPhone caused many customers to have to wait an unacceptable amount of time to get their phones activated. Well, apparently, AT&T is finally doing something about it.
About 6 months ago I switched back to AT&T because I wanted the AT&T Tilt phone and I also received a discount from my work, which lowered my monthly phone bill about $30 compared to Verizon Wireless. Of course I was very concerned about the customer service, but from the very first day when I purchased my new AT&T Tilt phone I received nothing but outstanding customer service. My new phone was activated in 5 minutes and another 5 minutes later I was synchronized with my works exchange server. I had all my contacts, emails, and calendar appointments available on my phone 10 minutes after purchasing it. Kudos to Mikey, the AT&T rep that helped me out.
Fast forward a couple of months. I was leaving the states to go to Mexico for a week and wanted my phone setup for international roaming. So I called AT&T customer service and asked to have my phone activated to work in Mexico. The rep had me setup in under 5 minutes. Wow. I couldn't believe how quick and friendly customer service was. Unfortunately, when I got back from Mexico and recieved my phone bill I noticed the charges were way too high. 'Here we go', I thought. I just knew that when I called customer service I was going to get a hard time.
Once again, I called the customer service number and quickly reached an operator after pressing 0 twice to get through the automated system. I explained the situation and the AT&T rep immediately apologized and said that they made the mistake when they setup the account for international roaming. I should have received the discounted rates instead of being charged the full rate. She credited my account for the difference and asked if there was anything else she could do. Nope. I was once again extremely pleased with the quick and friendly service.
Two months later my bill comes in and again I see additional roaming charges from my Mexico trip for $12.30 on my bill. I called customer service and once again explained my situation. The rep told me that the charges were posted to my account very late from the carrier in Mexico. As soon as I mentioned that I had a similar problem 2 months earlier he quickly stated that it was not a problem and that he would correct the charges. A minute later he credited my account $20 for all my troubles. THAT IS CUSTOMER SERVICE!!! I never complained and never expected anything like that. I was thoroughly surprised. Good Job AT&T. I hope you keep up the GREAT customer service. Thank You.
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ATT Wireless Customer Service: 1-800-331-0500
I was asked by two co-workers today if I already started my Christmas shopping for this year. I told them that I was still getting over my last Christmas shopping season and that I haven't given it a thought at all, until now. So, the question is, Should you start your 2007 Christmas shopping in June or wait until Thanksgiving or even the last minute like on Christmas Eve? Many articles on line suggest you shop early and avoid high prices or out of stock items. Why You Should Avoid Last Minute Christmas Shopping. But what about all of the great deals the Day After Thanksgiving, commonly referred to as Black Friday? If you start too early you miss some great deals and don't have access to products that are not available yet. It may be very difficult if not impossible to return any gifts that you change your mind about if you purchase them too early. Then again if you wait too late, what you want may no longer be available or you may end up paying a higher price because you do not have the time to comparison shop.
You should start planning your Christmas Shopping List at the beginning of the year. Create a list of people that you will get gifts for. Identify their interests, hobbies, wants, and needs and set a goal for how much to spend for each person. Starting this list early gives you a chance to refine it throughout the year. As you shop throughout the year note the price of gifts and compare them at other stores. Resist the urge to buy any gifts early even if you think it will be the best deal of the year. As you get closer to Christmas you may find that the gift you bought early is not the right gift for that person anymore. Also, buying gifts early may waste the warranty that comes with the gift. You should also start a gift fund at the beginning of the year by saving a few bucks a week to put towards your gift purchases. You'll be amazed at how much money you end up with by the Christmas Season. Keep updating your list and refining your notes all the way up until its time to actually start making those gift purchases.
I recommend at 90 days before Christmas (around September 25th) you should begin making your gift purchases. However, before making any purchases examine the store policies on returns and make sure you leave enough time from when you purchased the gift to a few days after Christmas in order to accommodate returns. Many stores have a 90 day return policy which is why I recommend starting no sooner than 90 days from Christmas. As mentioned above this will also leave more time on the warranty in case there is any defect with the gift. In addition to starting within 90 days of Christmas you should leave some of your budget for the great deals the Day After Thanksgiving. Get a head start on those deals by visiting Black Friday Ad sites such as http://www.bfads.net or http://www.blackfriday.info Many of these sites begin posting ads in October for the Black Friday specials. The other reason to wait for the 90 day mark is to allow companies to introduce new products in time for Christmas. You don't want to regret purchasing something early because a newer version or better gift came out later. The last bit of advice I can give you is to wrap up your Christmas purchases no later than the second week in December, the 13th is a good deadline. No matter what, don't wait until the last week before Christmas. You will be desperate and limited in what is available to purchase. So remember, start buying no earlier than 90 days before Christmas and finish no later than 12 days (December 13) before Christmas. If you follow my advice you can enjoy the 12 days leading up to Christmas knowing that all of your shopping is done and done right!
What are your shopping strategies? Leave a comment and let me know what you think of my advice.
Most people today have heard of touchscreens. They're everywhere, from pda's, to phones like the treo, to pen computers, and even kiosks. But the traditional touchscreen doesn't even begin to scratch the surface when it comes to the new generation of multitouch touchscreens. (I couldn't resist the pun) If you follow the latest in technologies then you probably have already heard of multitouch input devices. If not, it basically allows you to manipulate a screen with multiple inputs such as two, three or even all ten of your fingers at the same time. Traditional touchscreens can only handle one input from a single pen or mouse pointer. It's similar to the technology used by Tom Cruise in the film 'Minority Report'. Check out the video:
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Read on to see more videos and how this amazing new technology will start to change our lives today… Continue reading
Enjoy this video while you celebrate Memorial Day this year.
Support Our Troops!
God Bless America!
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God Bless the U.S.A. by Lee Greenwood
Everyone takes 4th of July Fireworks photos. Many even video tape the celebrations. Why not submit those videos or photos to try and win some serious cash. Here is a list of sites that are participating in Fireworks Contests this year 2007:
Leave a link to your favorite fireworks photo in the comments.
If you know of any other contests going on this year, let me know in the comments and I will add them to the list.
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I am ready for the 4th of July 2007 Fireworks Celebrations in South Florida. Are you? Check out my fireworks stash for this year:
At TNT-Neptune Fireworks Mega Store in Dania Beach, Florida you can get two for one deals on all fireworks before Memorial Day (expires Monday June 4th). You can also get FREE BONUS fireworks depending on how much you spend. The best advice I can give is to pool your money with friends, family, and neighbors so that you can get the best deal on Fireworks packages. The more you spend together the better the deals become. Both of my brothers, and a friend of ours, and my neighbor all pitched in to buy fireworks and between all of us we were able to spend over $1,000. Since we purchased these fireworks before Memorial Day everything was 2 for 1, and in addition we received about $700 worth of Free Bonus Fireworks. So that brings our total Fireworks Value to over $2,700. That is a lot of TNT!!! The picture above only shows a third of the $2,700 in fireworks we purchased. (That is my portion of the fireworks).
For other firework tips and show ideas visit the TNTFireworks Show Page.
Have a Safe and Happy Independence Day!
What are some of your Home Fireworks Show ideas? What are your favorite fireworks? Share them in the comments below.


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Your Trusted Choice for Dementia Care in Albuquerque
Being the caregiver for a loved one with Dementia requires a lot of patience, determination and compassion. Watching a family member lose their independence and forget cherished memories of the past is not easy to cope with. Fortunately, you do not have to endure this journey alone. Albuquerque Home Care Assistance is here to help. We are the trusted choice for Dementia home care in Albuquerque. From devoted Client Care Managers to our caring and conscientious caregivers, we are committed to providing exceptional care to seniors and invaluable support to their families.
Why Families Prefer Dementia Care from Home Care Assistance
For Dementia patients, it's not just about providing care to meet physical needs, it's about promoting independence, cognitive function and creating meaningful relationships. Here's what makes Home Care Assistance's unique:
- Balance Care Method™ – Our revolutionary approach to home care focuses on healthy nutrition, physical activity, mental stimulation and social ties to promote independence and an enhanced quality of life. By fostering meaningful relationships with seniors and their families, we create an unmatched care experience.
- Caregiver Screening Process – Only about 1 in 25 caregivers make it through our rigorous selection process which includes a national and criminal background investigation, a thorough reference check, and a PhD developed psychological exam. With Home Care Assistance, you can rest assured that your loved one is in the hands of a trusted and reliable professional.
- On-going Training – We build upon the experience and expertise our caregivers already have and continue to invest in their education through our Home Care Assistance University. The training provided is specific to slowing cognitive decline and how to manage the physical, behavioral and emotional challenges of Dementia.
Help is Just a Phone Call Away! Get in Touch With Us
Thanks to our specialty in home care for seniors with Dementia, families can enjoy peace of mind knowing their loved one is being cared for by a reliable, expertly trained and compassionate caregiver. We also require no long-term contracts or upfront costs and offer a 100% satisfaction guarantee. Available 24/7, we encourage you to reach out to our devoted Care Manager at 505-798-0800 to schedule a complimentary in-home consultation and learn more about our Dementia care services.


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The Minister of Transportation, Rotimi Amaechi has attributed his problem with former President Goodluck Jonathan to illegal and excess deduction from the federation account during the administration of the then President.
Amaechi, a former governor of Rivers State made the revelation in the book, 'Against the Run of Play' written by the Chairman of ThisDay Editorial Board, Olusegun Adeniyi.
In the book, Adeniyi quoted Amaechi as saying, "If in one year, you took about N300bn from the federation account to pay for subsidy and the next year, you are taking almost N2tn for the same thing when fundamentals had not changed, then serious questions should be asked.
"And as NGF (Nigerian Governors Forum) chairman, it was my responsibility to ask those questions and Jonathan took them personal."
Reacting to claims by Jonathan saying he, Amaechi, had issues with the former First Lady, Patience Jonathan, Amaechi said his "only sin" was that he refused to surrender his mandate to the former First Lady.
"Jonathan told me that Amaechi's problem was not with him but rather with his wife and that, at a point, he tried to reconcile them," Adeniyi quoted Jonathan as saying.
But, in his response, Amaechi said, "I could not surrender my mandate to a woman (Patience) in Abuja, even if such a person was the wife of the President…that basically was my sin with Dame Patience Jonathan


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We accept payment via Paypal, Credit Card, Debit Card and Direct Deposit.
If you are not comfortable using your credit/debit card online please contact us on 0423 508 763 to arrange an alternative payment method.
Goods paid for by direct deposit will not be dispatched until payment has cleared. Please consider that in some cases it may take up to 4 working days to see cleared funds.
Our direct deposit details are:
Bank: Westpac
A/C Name: Yummy Mummies & Mini Me
A/C Number: 237158
All prices are shown in Australian dollars (AUD).
Yummy Mummies & Mini Me reserves the right to change prices at anytime, including items on sale, without notice.
Product availability
At Yummy Mummies & Mini Me we maintain good stock levels but from time to time, things will be out of stock.
If we are unable to supply you with your chosen item/s we will contact you via email. You may then choose to cancel your order, choose an alternative product or back-order your item. Your back-order will be shipped to you the day it arrives back in stock.
If you have any concerns or questions please do not hesitate to contact us.


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Ontario's Auditor General is calling attention to the general failure of public private partnerships. Intuitively we've known about this for a long time. Every P3 mega deal seems to go awry. The MaRS bailout is only the latest and by no means the most embarrassing. Highway 407 is Ontario's favourite example. Developed first by Liberal…Read more
Jesus Christ, food banks, and moral hazard
Edward Keenan is right about how food banks duplicate what grocery stores already do. In fact lots of product goes to food banks directly from the manufacture/distribution/retail system because of over-production, stale-dating, damaged packaging, mislabelling, etc. Bulk food goes to food banks that would otherwise go to landfill, saving industry tippage fees. There is so much…Read more
Canada Post: the new business model of non-delivery
Viewed from a customer perspective, it seems that Canada Post is better at delivering punch lines than delivering mail. Its latest plan hinges on cancellation of home delivery. So, soon the mail won't reach the address on the envelope. Canada post will only take it as far as a rack of mailboxes it plans to…Read more
media manipulation and "the Big Mo"
I made a presentation in a City Hall committee room the other day. It was received graciously, despite obvious skepticism from some in attendance. An earnest and courteous discussion ensued. There was agreement to disagree. Is this the Tory effect? I truly hope so. It might be a coincidence, but I prefer to think that…Read more


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Fundraiser Alert: Doozy of a Settlement
Fundraising organizations that set up charities seemingly for their own gain are on notice. CNN reports that its 3-year-old investigation into Quadriga Art's activities on behalf of the Disabled Veterans National Foundation found that QA took almost all of the money raised for DVNF and provided nothing of value to veterans. As a result, "the New York State Attorney General's office has reached a nearly $25 million settlement with one of the nation's biggest direct mail companies."
"This potentially could change how professional fundraisers operate in the state of New York and possibly the entire country," CNN asserts.
According to the Attorney General's office, QA abused DVNF by creating a "funded model" for donations by assuming the upfront costs for printing, packaging and mailing the direct mail campaigns so that QA could be paid out of the campaign revenue. "In exchange, the fundraiser obtains effective control over the charity's donated revenues, as well as a lien on the charity's donor list," states Monday's settlement announcement.
Under this model, DVNF never knew how much money came in or how much the direct mail cost. As a result, though DVNF fundraised $116 million, it ended up owing QA.
QA CEO Mark Schulhof posted a statement Monday in the vendor's defense.
DVNF became very popular very fast, but its fundraising strategy outpaced DVNF's programs and services, Schulhof writes. "We mailed too much, and too quickly, for a young charity," he says. "We made mistakes that permitted donors to believe that greater programs were in operation before they could be fully realized. And in our work to assist this young organization, our efforts created the impression that we had an operational involvement with the charity itself."
In the settlement, QA will pay $9.7 million in damages, forgive DVNF's $13.8 million debt and give New York State $800,000 for costs and fees. Another direct mail vendor, Convergence Direct Marketing, will pay $300,000 and the total damages, $10 million, will be paid to help disabled American veterans, according to the AG statement.
The AG's office further states, "In addition, Quadriga will … adopt a number of significant reforms to improve transparency and set a higher ethical bar for the direct mail charitable solicitations industry."
Nonprofits, fundraisers, direct mailers and associated marketers: What does this settlement mean to you?
Will this settlement set a precedent for "funded model" charities?
Please respond in the comments.


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1953 Chevy Suburban
Price: - Item location: Mount Juliet, Tennessee, United States
- Condition: Used
- Make: Chevrolet
- Model: Suburban
- Year: 1953
- Mileage: 99,999
- Vehicle Title: Clear Want to buy? Contact seller!
1953 Chevrolet SuburbanPicked up a 1953 chevy suburban which would be awesome to put on a s10 chassis or redo front end and make a cool rat rod. Would not be able to get to do anything with the truck for some time so putting it out there.
Have clean title in my name (tennessee) which matches the VIN plate on the door pillar. Not too many have this..most registered with motor or have no vin plate. Not sure how people identify the truck is theirs without this so that to me is why this is worth more $.
Truck has some rust and holes as shown in photos. Rolls well. Have not tried to start but i really feel it could start up. Very clean under the hood. No back seats. Quite rare in my opinion...not too many of these for sale.
$500 non-refundable deposit within 3 days. Buyer responsible for shipping/pickup.
I am selling locally so could be sold at any time.. even before i have a chance to end auction here. I reserve right to sell locally and ad could be pulled anytime.


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Handmade Raw Pink & Green Tourmaline Necklace
14K Gold Dipped
18 Inch 14k Gold Filled Chain (Length can be customized)
This necklace is one of a kind! And handcrafted with love and intention.
Electroformed necklaces are made to look rough and organic. The imperfections on the necklace surface add to the unique beauty. The surfaces may be rough and natural looking rather than smooth and perfect compared to other types of settings.
Electroforming is the process of slowly depositing (or plating) Copper to a surface. This process takes about the 24-48 hours hours to complete a necklace.
The copper pendant is then plated in Fine Silver for a barrier... then plated with a heavy layer of 14k Gold on top of the Fine Silver for a strong finish.
Care Instructions: To preserve the necklace finish, avoid wearing while showering, applying lotion, using cleaning products or working out. To clean, gently buff with 100% cotton cloth or a microfiber cloth. Do not use jewelry cleaner on gold plated jewels.
COPPER: If your skin reacts to copper, then you may still be sensitive to plated copper jewelry. Please, if you have any severe copper allergies, email me before purchasing.


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Learning complex motor skills for real world tasks is a hard problem in robotic manipulation that often requires painstaking manual tuning and design by a human expert. In this work, we present a Reinforcement Learning based approach to acquiring new motor skills from demonstration. Our approach allows the robot to learn fine manipulation skills and significantly improve its success rate and skill level starting from a possibly coarse demonstration. Our approach aims to incorporate task domain knowledge, where appropriate, by working in a space consistent with the constraints of a specific task. In addition, we also present an approach to using sensor feedback to learn a predictive model of the task outcome. This allows our system to learn the proprioceptive sensor feedback needed to monitor subsequent executions of the task online and abort execution in the event of predicted failure. We illustrate our approach using two example tasks executed with the PR2 dual-arm robot: a straight and accurate pool stroke and a box flipping task using two chopsticks as tools.
|Pastor, P. and Kalakrishnan, M. and Chitta, S. and Theodorou, E. and Schaal, S.
|Book Title:
|IEEE International Conference on Robotics and Automation (ICRA)
|Autonomous Motion
|Research Project(s):
Associative Skill Memories
Autonomous Robotic Manipulation
|Bibtex Type:
|Conference Paper (inproceedings)
|Shanghai, China, May 9-13
|Cross Ref:
@inproceedings{Pastor_RAIIC_2011, title = {Skill learning and task outcome prediction for manipulation}, author = {Pastor, P. and Kalakrishnan, M. and Chitta, S. and Theodorou, E. and Schaal, S.}, booktitle = {IEEE International Conference on Robotics and Automation (ICRA)}, address = {Shanghai, China, May 9-13}, year = {2011}, note = {clmc}, crossref = {p10446}, url = {http://www-clmc.usc.edu/publications/P/pastor-ICRA2011.pdf} }


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Welcome to Sui Generis Jewels.
There are 3 products in my store.
Bubblegum Set
more from my store.
The Word.
Hurry! There's only 1 left!
Product details.
Pearl, glass and metal beads combined to make this elegant and sophisticated piece. Matching earrings included.
- Canada: $0
- International: $0
Shipping Information
Items are shipped next business day with tracking information via USPS.
Payment and Refund Policy
Due to the delicate nature of the pieces, no refunds will be made. Pictures are taken and items are handled with the utmost care to ensure they are in the pristine condition. I value the work I do and take pride in the result. Exceptions will be on a case basis
was$ 28
sale$ 15
All prices in USD


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One in 10 Americans admit to never changing their passwords and just over one-third (38 percent) alter their passwords on an average of every six months, according to a survey by Mail.com.
One in five use the same password for most or all of their Internet services, and only 23 percent of users protect different services with different passwords, the survey found.
What's more, 58 percent of those surveyed rely on their memory and store passwords in their head, while 15 percent write their passwords on a piece of paper. Five percent save passwords in their browser and 9 percent use password management software.
"There are two main reasons Americans are so negligent when it comes to passwords: first, the sharply increasing number of Internet services that require an authentication with passwords, and second, the missing knowledge on password security," Martin Wilhelm, public relations manager for Mail.com, told eWEEK. "People choose passwords that are easy to remember because it's much more comfortable than handling a complex and individual password for a variety of different services. What they don't have in mind is that they run the risk of losing all their data on the Internet once this password has been spied out by Internet criminals."
Further reading
One-third (33 percent) of respondents said they use birthdays, pet names or simple strings such as "123456" or "qwerty" as passwords.
"Eventually, only methods that are most commonly used by the mainstream of Internet users will prevail," Wilhelm said. "That means they have to be very simple and user-friendly. The advantage of passwords is clearly that no other devices are needed for authentication purposes. I can log on to my e-mail account with many different devices around the world as long as they are connected to the Internet."
He noted that as more security throughout the Internet becomes even more necessary, alternative authentication methods such as biometry are being researched.
"Nonetheless, it has to be ensured that providers meet high data protection requirements concerning the storage and use of biometrical data," he said.
Wilhelm also said he thinks it is very unlikely that passwords will disappear in the near future, since they have been used for several services on the Internet from the very beginning.
"A procedure that has been learned by the majority of Internet users over such a long time will not change quickly," he explained. "However, there is a trend that uses alternative authentication methods simultaneously to passwords—for example the fingerprint recognition on mobile phones. If passwords should be replaced by such methods, it will definitely still take some time."


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Puppeting class act
I wanted to have a way to make the puppet collection in my TK class accessible and inviting for the students in the dramatic play area. It came to me that the premade puppet stands from places like the teacher supply warehouses are expensive and not made well so I should just make one. I… Continue reading