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Hello everyone, Today we are going to share a 32 beautiful Perfume Bottle Designs.
Everyone likes the perfume that suits their personality the best and reflects it well. Bottle designers are very creative. They come up with many brilliant ideas for bottles that not only resemble anything else in the perfumery, but also look great on your bathroom shelf.
So here is the list of 32 beautiful Perfume Bottle Designs of take a look.
CK Euphoria
A lighting test I did with my sister's perfume bottle. This was a two-light setup in front of a blue backdrop. There was one light to the right, coming through pegboard, a red bounce board to the left (giving the red cast in the reflection) and a gridded light behind and to the left, raking across the backdrop, onto the bottle.
Q is a female fragrance featuring modern simplicity with a hint of elegant glamour, targeting at independent urban women with a sensual sophistication.
The bottle shape is inspired from Modernist typography and art. The composition of basic geometries implies the form of letter Q, conveying a mysterious abstraction.
Gü Perfume Prototype
This was a school project consistyng in prototyping a perfume bottle and presentation, the bran was also an invention. The solagan was: Be Gü, Be you.
watermade perfume
Inspired by california. With help of the fashion brand NEW YORKER, we did a 2 week- trip along the pacific coast of california, visited many world-famous design studios like BMW designworks, Frog design and many more.
Perfume Bottle
This perfume design was for a project brief to create a new concept that promotes a global perfume.
"Ange ou Demon" is designed to fit into Givenchy's line of perfume. The focus was to put emotion into the design. The function of the design is unique, as application of the travel size bottle is using a brush, which allows the user to interact with the process.
Cologne Bottle & Packaging
Bottle and packaging design for an all-natural, eco-friendly, recycled cologne concept | Final design in response to an assignment brief.
Ideating on a cologne and perfume bottle based on one adjective "Maturity"
Romeo & Juliet – Perfume Pack
Romeo and Juliet is a perfume pack for him and for her. Into the pack there are two identical flasks, only the colour are different: white (for her) and black (for him) of the caps. We can find a game of contrast into the packaging as well where there is a minimal lettering game.
CH Designs
Muglié Perfume
Muglié is a new perfume for women. White for the sweet and black for the spicy.
Calvin Klein Euphoria
CK Euphoria perfume bottle photographed for self Promo
Formulæ is an Oslo-based perfume brand and creative collective. Sharing a great passion for their work, they focus on a traditional, hand-made approach while paying close attention to details. Using unorthodox combinations Formulæ aims at creating unique scents with a high-end feel.
Versace oud noir
Paco Rabanne Invictus
Paco Rabanne Invicuts Photography: Adrian Albrecht
Perfume Vial
Thaty Princess
Lily Divine
Special Edition of the Lily fragrance from O Boticário, released to celebrate Mother's Day.
Design Perfume
D&AD L Artisan perfumur
D&AD L Artisan perfumur Submission 2013 – Brief was to create 4 perfume packages, names and bottle designs which break the rules of conventional perfume packaging. The perfumes to be packaged were based on bottles emotions and there were 4 in the set.
Entry for D&AD Student Awards 2013. We decided to work on the packaging brief for L'Artisan Parfumeur, and created a packaging inspired by the Louvré.
Ueaman – it's perfume for men. This eco friendly package suppose to be made from special cardboard. It was in Stora Enso contest for perfume packages.
1DAY perfume packaging collection
My final thesis for BA in Design. It won the "Innovation of the year 2011" – scholarship from Lahden Liikemiesyhdistys r.y.
The Scent of Astrology
D&AD released a brief from L'Artisan Parfumeur asking for a series of bottles representing different emotions. My theme was 'The Scent of Astrology' so the bottles have names and pictograms relating to constellations. In addition the bottles together shape a star from above when placed together.
Perfume Moon 14
Package Design
Create an identity for a perfume. Maintaining the identity with the target audience in mind, create appropriate and well-designed packaging for the perfume.
Zebra Red
Zebra Red is a line of cosmetics created for women ages 25-30, this line consists of a soap, bath soak and perfume. The color red was used for its sex appeal along with a sleek black to accent the zebra pattern.
Unleashed Perfume Packaging
Unleashed Perfume was created for women with a wild side. A die-cut metallic box, scandalously shows a sneak peak of wild cheetah print patterns. This package was designed to promote this
uninhibited scent, releasing the true animal in all women.
The essence from distance
The essence from distance It is another method of connection and communication between two people who have a long distance relationship. It's a tool for women so they can feel closer to their couple.
PACKAGING RE-DESIGN-Nina Ricci Perfume
BMW "Perfumé"
Perfume para hombres, de la marca de autos BMW
Perfume Packaging Made Sustainable
Perfume Packaging made sustainable through the use of only one material and the reduction of average material use by 33%.


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Are so many things that we have to take into account if we want a truly get your desired body. No matter if you are women or a man you have to stay healthy and you can do this only if you take care of your body. You have to exercise because the psychical activity is the best way to stay in shape and have a healthy lifestyle.
Oprah, for example, said that the best workout for her is simply…sex. You burn so many calories and combined with a healthy diet you will get your desired body in no time. Our bodies need special care including some natural supplements, vitamins, and minerals and because our market is overwhelmed by so many "natural fat burners".
If we check google trends we see that the supplements with the most views/buys in 2018 are a natural fat burner called Rapid Tone. The Rapid Tone company advertise their product "Burn fat quicker without dieting or exercise! " and I believe that this is a very wrong approach. Normally I will just pass this product after I seen their moto, but because online are hundreds of positive reviews and testimonials I will give it a try.
The ingredients inside this supplement are truly amazing. The main ingredient is Forskolin, a plant that is well-known for hundreds of years. Garcinia Cambogia another fat burner promoted by many specialists like Dr. Oz or Dr. Ax. Another common ingredient is Vitamin B12 and we already know the many health advantages of this vitamin. Improves the energy and helps our body to burn the excess fat a lot faster.
L-carnitine is an indispensable substance when we try to lose weight because will improve our overall mood. When we try to lose weight is the same as quitting a bad habit. You need to be positive and have a good mood in order to be successful in this weight loss journey. The last ingredient but not least is Ginseng. Ginseng can lower your cholesterol, help your heart, prevents strokes and stop cancer cells.
Rapid Tone Benefits
- Fat Blocker – helps prevent fat from building up
- Appetite Suppression – control food cravings
- Serotonin Increase – improves overall mood
Your fast and easy way to burn fat is how the manufactured company is promoting their product. In this amazing weight loss supplement are combined two weight loss plants, turmeric, and forskolin. The two plants combined can produce an instant and natural weight loss solution. Turmeric Forskolin targets fat at a cellular level burning the excess fat and realising the fat stocks from our body. This fat burner will give you the much-needed mood during the weight loss process and it will boost your metabolism (this means more energy and fast fat burn).
Benefits of Turmeric Forskolin:
- 100% natural turmeric with forskolin plant extract
- No harmful ingredients made in a laboratory (2 natural plants combined in a pill)
- Made in the United States on the top of the art laboratories
PureFit Keto is advertised as a revolutionary break-through when it comes to weight loss. This powerful weight loss supplement will assist our weight loss by creating ketosis. Ketosis means that our body will burn the fat to transform it into energy instead of carbs converting into energy.
PureFit Keto Benefits
- Lose Weight*
- Burn Fat in Trouble Areas*
- Get into Ketosis Fast!*
- Burn Fat for Energy (without the jitters)!*
- Better Brain Health!*
- Faster Recovery from Exercise!*
- Maintain Lean Muscle!*
CLA Safflower Oil was the number one supplement in 2016 and 2017 and according to over 100 000 happy customers, this amazing product helps you to lose weight. Maybe now is not so popular because are other supplements that are burning the fat even faster. In my opinion faster is not better. We have to lose weight in a normal and natural way and not to try to get our desired body in 2 weeks. To be in good shape means to have a healthy lifestyle and not only to be slim-fit.
Maybe is true that are scams and placebo supplements on the market but I never had problems to order online and this is only because I try to get informed as much as I can before I decide to use a supplement. Few tips on how to choose the right weight loss supplement for you:
- Make sure you read REAL testimonials and comments on that product
- Try to find out if is FDA approved
- Read everything about each Ingredient inside the supplement
- Decide if the ingredients are good or they can do more harm
If you don`t just believe everything is online is easy to find the right weight loss supplement, you just have to inform yourself because remember, you are toying with your life and that`s a dangerous thing.

subset: commoncrawl


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- Editor Rating
- Rated 5.0 stars
- Spectacular
- fillrxplus.net
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"Learning Outcomes? Ah we have a new word for competencies again. Rephrase the old ones a bit. Lots of hassle for nothing new I guess?"
I agree changes in higher education often comes with a lot of paper work for educational engineers and often lacks a clear idea of added value or a real innovation. I would plea that this might be different with Learning Outcomes however. Let me lead you through some boring background and hopefully some more interesting examples.
In Europe it al started around 1999 with the so called Bologna Process, a large scale collaboration in the European Higher Education in order to make it more competitive and attractive. Of course collaboration, as good and as obvious it may sound, was and still is not so obvious at all. In Europe we adopted the more standardized international bachelor and master structure years ago but in such a diverse continent as Europe that doesn't necessarily add up to comparability of schools across borders, let alone possible collaborations of schools across borders. Now that is exactly why the idea of Learning Outcomes came alive.
Instead of aims, objectives and competencies, a new, more measurable and comparable instrument had to be "invented".
Now lets have a closer look. As we can tell by the definitions we already see a certain difference between Learning Outcome and competence:
"A learning outcome is a measurable result of a learning experience which allows us to ascertain to which extent / level / standard a competence has been formed or enhanced."
"A competence is a quality, ability, capacity or skill that is developed by and that belongs to the student."
"Learning outcomes are not properties unique to each student, but statements which allow higher education institutions to measure whether students have developed their competences to the required level."
From: A Tuning Guide to Formulating Degree Programme Profiles
Basically with Learning Outcomes we do not ask for specific ability, capacity or skill but what students can achieve with those abilities, capacities and skills. And that is an important difference, as I will show you later.
In the meantime our university formally had to adopt Learning Outcomes even before anyone had the slightest idea of what they really were and how to implement them. And so a new "hassle" began, rephrasing existing competency profiles into Learning Outcomes (kind off).
In fact this also made it possible for me to develop an effective way to help schools improving their educational profiles and make their assessments much more transparent and effective.
Starting from the (usually ill formulated) Learning Outcome, which still had more of an objective or a competency I discovered that I only had to ask two main questions:
- "Why does a student need to know / be able to perform this?"
- "How can you see/perceive that the student really knows/is able to perform?"
One of my colleagues had some difficulty of translating one of his freshly formulated Learning Outcomes into an appropriate assessment. So we started with the Outcome: "The student is able to develop a cross-medial marketing concept". But my sincere question: why a student should be able to master this apparently puzzled him giving the position of his eyebrows. Of course the answer was obvious…. to him: "in order to reach the largest number of potential customers via different kinds of social media channels…". Two things happened now. First of all the description of the program became more transparent for students. Not only what has to be learned but also why became much more clear. And secondly it gave a more precise direction to the development of the assessment. Indeed it makes a difference if a student is really "able to reach potential customers with a certain technique" or that the student "masters a certain technique" (without the ability to use it with success). The answer to the "How"-question now could be formulated much sharper: "Just show me that you are able to reach at least 3 potential customers from 3 different age-categories by making use of social media"
Second example, maybe even a bit more illustrative:
"The student knows the most important features of rural tourism". This time I got even three interesting answers to my "Why"-question: "In order to be able to pass the exam", "otherwise the student has less chance to get a job" and "to be able to explain it to future customers".
And yes, the first one is probably the most common one but you also may see the difference in how that could be assessed in comparison with the last one for example. So the "how" question revealed some distinctive possibilities: From "performing a written knowledge test" to an "assessment based on a role-play with observation".
Ok, I have to admit that it still is a kind of a hassle as this process of defining, questioning and redefining is not only a matter of structure but also a matter of culture. I helped quite a few colleagues now and each and everyone told me that they really had to change their view on education. But also that it really made things better, more transparent and even easier!


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Oklahoma Travel
O is for Oklahoma and Ohio Amish
As I mentioned in my Edmond Sun article, the Amish group tours are probably not the best bets for traveling with younger children. The best way to learn more about the Amish and let your kids absorb at their own level is to visit the Yoder's Amish Home on State Route 515, close to Millersburg in Holmes County, Ohio. This 116-acre Amish farm has lots to attract the visitor. You can tour both an 1866 Amish home and a contemporary one. Take a ride in an Amish buggy; pet farm animals; see an Amish school house or just swing on a swing underneath the big trees. Yoder's is open from mid-April through October. Call (330)-893-2541 for more information.
Here in Oklahoma, the largest concentration of Amish is around the eastern Oklahoma town of Chouteau. You can buy Amish cheeses produced both locally and from other communities at the Amish Cheese House. Amish baked goods are available at Ropp's while Amish-style meals are served at the Dutch Pantry. If you're traveling with a group, contact the Chamber of Commerce (918) 476-8222 about dining in an Amish home.
Every year people flock to Clarita (this year it's September 9th) for the Amish Auction, Crafts and Antique Show at the Ben Troyer farm. Call (580) 428-3458 for more information.
Saturday, August 19, 2006
Oklahoma Travel
Oklahoma Travel
Posted by Elaine Warner at 3:23 PM


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A personal accident plan is effective where neither a health plan nor a term plan fails to deliver the desired coverage. An accidental injury, be it temporary or permanent cannot be covered by a term plan as the insured person is not dead. A health plan can work to some extent in case of temporary disability as it can cover the cost of hospitalization. But, if a massive accident has one completely and permanently disabled both term and health policies will hardly have any solution.
Why a personal accident policy is crucial?
Most working people in India these days possess a term plan and the number of people with health policies is also increasing at a rapid pace. Most of these people belong to salaried class and they have their daily commute to office for months and for years. Aside from daily commuting, these people also go out on roads for various purposes like shopping. Hence, the probability of meeting a road accident is a lot higher for these people. However, most of these people don't have any personal accident policy and instead, the policies they have come to no use in case they actually meet a road-mishap.
Personal accident policies are well and truly inexpensive and working class people can afford them effortlessly.
What to consider while buying a personal accident policy
If you are on the lookout for such a policy the foremost thing that you need to keep into account while buying a personal accident plan is the coverage. Depending upon your requirement, you can opt for two types of coverages. Death will be the common aspect in both sets of coverage.
Source: GIBL.IN
All these terms such as PTD, PPD and TTD stand for various conditions for which an insured person receives coverages. Let us discuss these terms in an elaborate manner.
Both types of coverage type include death as the main aspect. In case the insured person dies out of the accident, his or her nominee would receive 100% of the sum insured. Some insurance houses also offer 'children's Education bonus'.
PTD or Permanent Total Disablement
PTD refers to the condition in which a person is disabled for the whole life. Permanent disability can be of various types such as;
Both feet or hands
One foot and one hand
An eye and one hand or one foot
Loss of speech or loss of sight of both eyes or loss of hearing of both ears
Under this coverage, insured people are entitled to receive the total sum insured amount. Some insurers even provide 110% to 125% of the sum insured.
PPD or Permanent or partial disablement
PTD refers to the condition in which a person is partially disabled. Permanent disability can be of various types such as;
Loss of thumb or index finger
Loss of 1 ear
Loss of sight in 1 eye
Loss of 1 hand
Under this coverage, insured people are eligible for a small percentage of SUM assured is paid on a monthly or weekly basis.
TTD or Temporary Total Disablement
TTD refers to the condition in which a person is totally disabled for a temporary period of time. It can be of various types such as:
A bed rest for few months
Fracture in legs or hands
Under this coverage, policy holders receive a portion of the sum assured. Some insurers pay out the entire 100% and some others provide insured people with 50% of the sum insured. The coverage amount usually comes with an upper limit such as Rs. 5 lakh or 10 lakh.
Risk Factor
The purpose behind opting for a personal accident policy is to cover up the risks of getting involved in an accident. However, the risk factor varies from one person to another, depending upon one's occupation. This is why occupations are classified in three categories as per the risk factor pertaining to them. These categories are normal, medium and heavy. Each category comes with a specific set of occupations.
The first type of risk factor is called normal risk and it includes those who are chiefly doing in-house jobs such as accountants, doctors.
Source: GIBL.IN
The second type of risk factor is considered as medium risk and people those who stay outdoors and are involved in somewhat risky jobs are included in this type. Usually, contractors, builders come under this category.
Source: GIBL.IN
The third type of risk factor is known as heavy risk and it includes people who are associated with high-risk domains such working in mines.
Source: GIBL.IN How does different coverage type influence premium rate of a personal accident policy?
A personal accident policy with extensive coverage protects the insured people from additional casualties. Hence, the policy comes with a little higher premium. Personal accident covers that are basic in nature cost less in premium amount.
Let us assume a 32 year old person is looking for a personal accident policy. The person is a banker; hence his or her occupation falls under normal risk category. The person's monthly income is Rs. 40,000 and he is looking for a sum insured of Rs. 10 Lakh.
Coverage without TTD If this person chooses the coverage type without TTD he will have 5 policies to choose from. The premium amount is in the range of Rs. 1,083 and Rs. 1,662. Table 1 - Risk Type –Normal -Coverage Type - Death+PTD+PPD Source: GIBL.IN Coverage with TTD
If the same person keeps other criteria same, but opts for a plan that covers TTD the premium amount will go up as well. There are 7 policies on offer and the premium ranges between Rs. 1254 and Rs. 2,280.
Table 2 – Risk Type – Normal - Coverage Type - Death+PTD+PPD + TTD Source: GIBL.IN
This comparison of premium clearly shows that one is better off going for a wider coverage that includes TTD too. The person has to pay just about in the range of Rs. 171(Rs. 1254 – Rs. 1083) to Rs. 618 (Rs. 2280 – Rs. 1662) more for the extra protection per year. This certainly makes a lot of sense.
Is it the same for people associated with medium or heavy risk occupation? Medium Risk without TTD
If the same person is a builder or a contractor, his or her risk factor is higher than those who belong to a normal risk category. If we keep all the other criteria such as monthly income, sum insured amount same and compare policy quotes that don't cover TTD; the person will have 5 policies with premium amount ranging between Rs. 1,140 and Rs. 1,662.
Table 3 – Risk Type – Medium - Coverage Type - Death+PTD+PPD Source: GIBL.IN Medium Risk with TTD
If the person with a medium risk occupation is on the hunt for policy quotes that do cover TTD; the person will have 6 policies with premium amount ranging between Rs. 1,426 and Rs. 3420.
Table 4 – Risk Type – Medium - Coverage Type - Death+PTD+PPD+TTD Source: GIBL.IN
This premium comparison indicates that people with medium risk occupation have to pay more than those belong to the normal risk category in case of availing additional coverage. The difference of premium is higher in this case as the risk factor is more severe here. One has to pay Rs. 286 (Rs 1426 – Rs. 1,140) to Rs 1758 (Rs. 3420 – Rs. 1662) more for additional coverage. This clearly shows that the difference of premium increases as the risk of getting involved in an accident of the person also rises.
Heavy Risk without TTD
People those who are associated with high risk occupations such as mountaineering or working in mines are a lot more exposed to dangers and require the best protection. Keeping all other condition same, if one is on the lookout for a personal accident plan without TTD, there are 4 policies on with premium amount ranging between Rs. 1,710 and Rs. 1,995.
Table 5 – Risk Type – Heavy - Coverage Type - Death+PTD+PPD Source: GIBL.IN Heavy Risk with TTD
If a person with a similar occupation wants to compare personal accident policies that cover TTD; the person will have 4 policies with premium amount ranging between Rs. 2,280 and Rs. 6,270.
Table 6 – Risk Type – Heavy - Coverage Type - Death+PTD+PPD+TTD Source: GIBL.IN
The comparison of premium for policies meant for people with heavy risk occupations confirms the fact that as the risk of the insured people increases the premium amount also increases accordingly. The premium difference is even bigger as the risk of the policyholder is extreme in this case. People with such dangerous occupations have to pay Rs. 570 (Rs 2,280 – Rs. 1,710) to Rs 4275 (Rs. 6270 – Rs. 1995) more for additional coverage.
All these comparisons hints at the undeniable fact that premium amount increases if one opts for better coverage. The nature of one's occupation also has a direct impact on the premium amount. The premium rises as the risk factor of one's occupation gets more and more severe.
Even though the premium is higher for people with heavy risk, it is advisable that they should go for wider coverage. An unexpected mishap on the road or in the workplace might cost them a lot more than the amount they can save on the premium by opting for basic coverage.
An online insurance comparison portal like GIBL can help people with all types of occupation compares the rates of personal accident insurance policies so that they can find a suitable and affordable plan for themselves.


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Researchers print needle-free glucose tests
Researchers at the University of Newcastle have developed a saliva-based glucose test using a 2D printer, which could spell the end of needles and blood tests for diabetics.
The simple-to-use test, which detects concentrations of glucose and is up to 100 times more sensitive than current blood sensors, integrates bio-sensors or chemical signatures into printed transistors.
Professor Paul Dastoor and his team at the University's Centre of Organic Electronics focus on the development of new electronic devices at the intersection between semi-conductors and plastics, addressing a diverse range of global issues including the energy crisis and mining safety.
The research team behind the first energy-efficient devices from water-soluble solar paint materials is now turning its attention to diabetes and another revolutionary device, which may mean needle-free glucose tests.
"By 2020 it is predicted there will be 500 million people in the world with diabetes. The creation of the non-invasive test for diabetics has been the Holy Grail in diabetes research for decades," Professor Dastoor said.
The usual way of testing for glucose relies on a finger prick to draw blood for testing, however many diabetics find needles unpleasant and tend to avoid measuring their levels as often as they should.
"Because we have developed paint with semi-conducting particles, we can now 'download' electronic designs, print them relatively cheaply from an inkjet printer and, in principle, build any electronic device," Professor Dastoor said.
"On this principle, we have developed a saliva-based test of glucose levels for diabetic patients using a reel to reel printer, potentially making blood tests a thing of the past.
"We print electrical components using an ink that is a semi-conductor, mixing in the enzyme which will detect the presence and level of glucose when a diabetic places a sample of their saliva on the test.
Estimated to cost as little as one cent per test, Professor Dastoor said he and his team were now investigating the logistics of printing the tests on a large scale.
Professor Dastoor and his team's research has implications for the medical sector and for communities around the world."
Sensors that can identify different chemical signatures have potential for applications in many other fields," Professor Dastoor said.
- Carmen Swadling, Media and Public Relations.
- Phone: 02 4921 5577.


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Frequently Asked Questions Regarding COVID-19
The following information answers many questions bank customers may have regarding banking during the COVID-19 public health emergency.
You also can find updated information on the OCC's "COVID-19 (Coronavirus)" information page. The page contains FAQs and links to information posted by the OCC and other federal agencies including the Consumer Financial Protection Bureau (CFPB) and the Federal Deposit Insurance Corporation (FDIC).
- General Information
- Branch Closed or Has Limited Access (Including Phone and Hours)
- Checking Accounts and EFT/Wire Transfers
- CD Accounts
- Credit Card Accounts
- Loans and Credit
- Safe Deposit Boxes
- Availability of Cash
- Fraud and Scams
- Treasury Stimulus Package
- COVID-19 Resources
General Information
What can I do if I am unable to call the OCC to file a new complaint or ask questions about my existing complaint because the call center staff is temporarily unavailable?
You can file a complaint using the "Customer Complaint Form." The form has a 30-minute time limit for security reasons. If you have not completed and submitted the form within 30 minutes of beginning to fill out the form, information you entered may be lost. You may also fax your complaint to (713) 336-4301. The OCC can facilitate communications between you and the bank once your written complaint is received. You can also research general banking questions on our Help With My Bank website.
You can check the status of your existing complaint case by entering your assigned case number.
What guidance is the OCC providing to banks about how to respond to customers affected by COVID-19?
The OCC encourages banks to take steps to meet the financial service needs of customers adversely affected by COVID-19-related issues. These efforts may include
- waiving certain fees, such as
- automated teller machine (ATM) fees for customers and non-customers.
- overdraft fees.
- late payment fees on credit cards and other loans.
- early withdrawal penalties on time deposits.
- increasing ATM daily cash withdrawal limits.
- easing restrictions on cashing out-of-state and non-customer checks.
- increasing credit card limits for creditworthy borrowers.
- offering payment accommodations, such as allowing borrowers to defer or skip some payments or extending the payment due date, which would avoid delinquencies and negative credit bureau reporting caused by COVID-19-related disruptions.
- restructuring a borrower's debt obligations due to temporary hardships resulting from COVID-19-related issues.
What is the OCC doing to help consumers while COVID-19 is affecting communities?
The OCC is working cooperatively with state and federal banking agencies and other organizations to help regulated institutions and their customers manage the effects of COVID-19. The OCC is encouraging banks to take steps to meet the financial service needs of customers affected by COVID-19-related issues, including waiving certain fees, such as ATM fees. Banks, however, are not required to waive fees. If you have questions concerning the operations of your financial institution, please call your financial institution or visit your financial institution's website.
Branch Closed or Has Limited Access (Including Phone and Hours)
How do I get cash or transact business if my bank branch is closed or limits its hours in response to the COVID-19 pandemic?
Check with your bank's customer service department. You may be able to use a drive-up teller window or an ATM. You may also be able to use your bank's online banking or mobile banking application.
The OCC understands that banks may need to temporarily close or otherwise reduce physical access to a facility because of staffing challenges or to take precautionary measures. The OCC encourages banks to reduce disruptions to their customers, provide alternative service options when practical, and reopen affected facilities when it is safe to do so.
What should I do when I am not able to contact my bank by phone or internet?
During this time, banks may have to reduce staff or temporarily close branches. Additionally, they may experience heavy call volumes. Check your bank's website for contact information. You can write to your bank, or you may be able to communicate via a "chat" function, if available.
If you are still unable to contact your bank, file a complaint with the OCC using the "Customer Complaint Form."
Is my bank allowed to decrease its staff and servicing due to COVID-19?
Yes, your bank may reduce hours or close to protect the health and safety of consumers and staff. The OCC recognizes the potential for COVID-19 to affect bank customers, bank employees, and bank operations. Banks may face current staffing and other challenges. The OCC encourages banks to take steps to meet the financial service needs of customers affected by COVID-19-related issues.
Checking Accounts and EFT/Wire Transfers
How do I transfer money from my financial institution to a family member or friend?
Verify with the institution you want to send money to or get money from that they can accept or send fund transfers. Ask about the fees associated with the funds transfer. The bank will require you to provide identification; make sure you have the required identification documents before you attempt to process the transaction. You should also understand the identification requirements of the bank you are sending money to and make sure that the person getting the funds has the required identification.
You will need the following information to process a wire transfer transaction:
- The bank account number of the person you are sending money to. Generally, this number is located in the middle of a check or deposit slip.
- The bank routing number (this is a nine-digit number that identifies the specific bank holding the account you are sending money to). Generally, the routing number is located in the lower left-hand corner of the check or deposit slip.
- The physical address of the bank you are wiring money to.
You will need to confirm that the information you are providing to the bank is correct. Make sure you have gathered the correct information before you attempt to process the transaction.
Ask the bank to send you a transaction receipt by email or mail.
What if I had to pay ATM fees because I do not have access to my bank's ATM network, but I need cash due to COVID-19 related issues?
Contact your bank to explain your specific situation. Your bank may elect to waive ATM fees for customers and non-customers affected by COVID-19. Banks, however, are not required to waive fees.
Will the direct deposit of my payroll be delayed or affected by the COVID-19 pandemic?
For questions related to your payroll deposits, you should contact your employer first. Verify that the payment order was transmitted and the information in the payment order (account number and routing number) were correct. As the originator of the direct deposit, your employer is in the best position to determine the location of the deposit. You may also contact your bank to verify receipt of the direct deposit.
CD Accounts
Will I have to pay a fee or penalty if I need to withdraw funds from my certificate of deposit to pay expenses related to COVID-19?
Contact your bank to explain your specific situation and to discuss possible waiver of fees or penalties for withdrawals related to COVID-19. The OCC is encouraging banks to take steps to meet the financial service needs of customers adversely affected by COVID-19-related issues, including waiving certain fees, such as early withdrawal penalties on time deposits. Banks, however, are not required to waive fees.
Credit Card Accounts
I may need to go over the credit limit on my credit card to fund unexpected living expenses as a result of COVID-19. Will I have to pay over-limit fees?
Your bank may consider increasing your credit limit or waiving your fees. Contact your bank to explain your specific situation to request a credit limit increase or a fee waiver. Banks, however, are not required to increase your credit limit or waive your fees.
I may become late or delinquent on my credit card because of reduced working hours as a result of COVID-19. Will the bank charge me late fees or increase my normal interest rate to a higher penalty rate?
Your bank may consider waiving any late fees or forgoing implementation of a penalty interest rate. Contact your bank to explain your specific situation and to request a fee waiver or maintenance of your current interest rate. The OCC is encouraging banks to take steps to meet the financial service needs of customers adversely affected by COVID-19-related issues, including waiving certain fees, such as late payment fees on credit cards. Banks are not required to waive your fees or maintain your current interest rate.
Loans and Credit
What if I have trouble paying my mortgage as a result of COVID-19?
You should contact your loan servicer as soon as possible to let them know of your circumstances. The OCC has encouraged banks to work with customers who have been adversely affected by COVID-19.
If your loan is owned by Fannie Mae and Freddie Mac (the Enterprises) and your ability to pay your mortgage is affected, you may be eligible to delay making your monthly mortgage payments temporarily. Additionally, on March 18, 2020, the Federal Housing Finance Agency (FHFA) directed the Enterprises to suspend foreclosures and evictions for at least 60 days due to the COVID-19 national emergency. More information is available on the FHFA website.
The OCC generally does not have the authority to stop a foreclosure, but you can file a "Customer Complaint Form" with the OCC if you are having problems with your bank's handling of your mortgage loan. The OCC can facilitate communications between you and the bank once your written complaint is received. We advise you to contact the U.S. Department of Housing and Urban Development to review information and understand your options. This service is free and available 24/7. You can visit the OCC's Help With My Bank website and review the general information under the Mortgages category for more details. You may also want to seek legal assistance to protect your rights.
What if I have trouble making payments on my consumer loans?
You should contact your lender to explain your specific situation. The OCC is encouraging banks to take steps to meet the financial service needs of customers adversely affected by COVID-19-related issues.
The federal government also recommends using credit counselors accredited by the National Foundation for Credit Counseling (NFCC), in coordination with the Financial Counseling Association of America (FCAA). Information about credit counseling is available from the CFPB and the NFCC.
I missed my loan payment(s) because I lost my job as a result of COVID-19. Will I have to pay late fees?
Contact your bank to discuss your specific circumstances. The OCC has encouraged banks to work with customers who have been adversely affected by COVID-19. This might include allowing you to defer or skip payments without consequences, extend your loan terms, or restructure the loan.
My job shut down (or my work hours have been cut back) as a result of the COVID-19 pandemic. My bank will not work with me on the repayment of my loans. What should I do?
If you are experiencing challenges repaying your loans because of job loss or a reduction in hours, contact your institution as soon as possible to discuss your specific situation and explore options that may be available to you. If your bank refuses to work with you for reasons you think are inappropriate, you may file a complaint with the OCC using the "Customer Complaint Form." The form has a 30-minute time limit for security reasons. If you have not completed and submitted the form within 30 minutes of beginning to fill out the form, information you entered may be lost. You may also fax your complaint to (713) 336-4301 or contact the OCC Customer Assistance Group at (800) 613-6743. The OCC can facilitate communications between you and the bank once your written complaint is received. You can also research general banking questions on our Help With My Bank website.
Safe Deposit Boxes
I cannot get to my safe deposit box because the bank is closed. What should I do?
Call your bank's customer service number for assistance.
Availability of Cash
Will there be enough cash during a pandemic or other national disaster?
The federal agencies are prepared to use their full range of tools to help ensure that customer needs continue to be met. The Federal Reserve System is working to meet the currency needs of banking customers. You can find additional information about the steps the Federal Reserve is taking on the Federal Reserve website. Deposits with an FDIC-insured institution will continue to be protected up to at least $250,000. For more information on deposit insurance, please visit the FDIC website.
Fraud and Scams
How can I protect myself or educate my elderly parents against fraud or scams?
Scammers may attempt to use your concerns related to COVID-19 to get personal information from you or to gain access to your accounts. Beware of fraudulent websites, phone calls, emails, and text messages claiming to offer "important COVID-19 information" or "help." Protect your financial and personal information. Never give out your social security number, bank account number, credit card number, or other personal information. You should never provide any bank account details, credit card numbers, or other personal information over the phone unless you originated the contact with the other party and you know that the entity is reputable. Note: Government agencies will never call you to request your personal information.
You should decline requests to cash a check for someone in exchange for a fee. Even if the bank provides you with immediate credit, the check could be fraudulent. When a check is returned as fraudulent, the money is removed from your account. The CFPB publication Money Smart for Older Adults Resource Guide provides valuable information.
The Federal Trade Commission has tips to protect yourself from possible COVID-19-related scams. Report a matter of fraud or scam to the U.S. Department of the Treasury Fraud, Waste, and Abuse Hotline at (800) 359-3898, option #6.
What should I do if I receive an email offer to refinance my mortgage loan? Should I respond directly to the email or click on any provided links?
If you are unsure of the legitimacy of any apparent bank email or other communication you receive, you should contact your bank directly via reliable channels (e.g., telephone number on the bank's own website or on a recent bank statement). Do not click on any links and do not respond directly to any email or other communication you feel may be suspicious.
Phishing scams posing as a real estate or settlement agent attempt to divert consumers' closing costs and down payments into a fraudulent account by confirming or suggesting last-minute changes to wiring instructions. To avoid these scams,
- identify two trusted representatives at your bank or mortgage company and settlement firm to confirm the closing process and payment instructions.
- before wiring money, always confirm instructions with your trusted representatives.
- avoid using phone numbers or links in an email.
- do not email financial information.
- be mindful of providing financial information in a phone conversation.
Treasury Stimulus Package
Where can I find more information about the stimulus package?
Information about economic impact payments for eligible recipients can be found on the Internal Revenue Service (IRS) website. Questions regarding any offset or garnishment of your stimulus funds should be directed to the Treasury Department website. Information, including small business guidance and loan resources can be found on the Small Business Administration (SBA) website.
I understand that the IRS will automatically deposit my Economic Impact Payment in the bank account where I received my most recent Federal income tax refund. I have recently closed that bank account. What should I do?
Please visit the IRS Economic Impact Payment Information Center for information on payments sent to inactive bank accounts.
My bank has used my Economic Impact Payment to offset outstanding overdraft fees in my checking account. Do I have any recourse to access my payment?
Contact your bank to discuss your specific situation. Banks are not required to waive valid account fees; however, the OCC is encouraging banks to take steps to meet the financial service needs of customers adversely affected by COVID-19 related issues.
COVID-19 Resources
- Centers for Disease Control and Prevention
- U.S. Department of Homeland Security
- U.S. Department of State overseas travel information
- Ready.gov (how to prepare your home and family during a pandemic)
- What the U.S. government is doing (Spanish: https://gobierno.usa.gov/coronavirus)


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Designed Exactly for What it's Name is: Transplants
The Transplant came out of the need for an efficient greenhouse, in terms of harvesting and square footage of seedlings/transplants. Plant site and watering boom efficiency increased by widening the house to a standard 35'. When combined with Stuppy "T" rails and drop curtains every square inch of greenhouse space can be utilized and easily harvested right from the sidewall.
The Stuppy Rainbow® Plus: Transplant sets the industry standard for quality, performance and value. Its versatility allows growers to cover any seedlings, plugs or transplants from 1,000 to 1 million square feet. The strength and durability of the Rainbow® Plus: Transplant delivers years of efficient, dependable crop protection and environmental control. The Rainbow® Plus: Transplant features all-aluminum gutters, Y and L connectors that are hot-dipped galvanized after fabrication.
Standard Specifications
- Structure width: 35'
- 2.875" O.D. - 13 gauge 60/70 KSI Columns
- 6' column and truss spacing
- 1.90" O.D. - 14 gauge 50/65 KSI Arch Steel
- 1.315" O.D. - 16 gauge 50/55 KSI Purlin
- 6' Sidewall Height


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Your shopping cart is empty!
Do you spend more time of your day sitting at a desk of workplace? If YES then you may also be facing some discomfort, and even back pain from sitting for a long hours of time. Healthcare Experts know that sitting for hours creates pressure on the spine, twisting spinal curves and compressing discs. All of this can cause pain in the spinal cord, leading to numbness, prickling and serious back pain.
Lumbar support pillows are the perfect when it comes offering complete support to your spine. Person with distorted spine can find great relief after using Lumbar pillows. Most of these pillows are extremely stretchable and can be easily shaped as per your requirement.
For example; you can easily place them between your neck/back and the backrest of the chair to connect the gap between the two. This will give great support to your spine and neck. Keep in mind, once your spine gets rest, your overall health will recover.
Lumbar support pillows work well by reducing muscle tiredness. Remember, extra muscle exhaustion eventually leads to the arrival of pain. Lumbar support pillows are suggested to those million people who are suffering from chronic back pain and back problems.
Lumbar support pillows are tremendously safe to use and they have been recommended by Experts. One can carry these pillows while boarding a flight, driving a car or just sitting continue on a chair for long hours. Use lumbar support pillows and will find satisfying relief.


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In case you own a copy of CrossCode on Steam: We finally implemented support for Steam Cloud!
That means that your CrossCode saves can now be backed up in the Cloud and shared for all CrossCode installations. It even should work cross platform. Hopefully.
If you don't want your saves to be synchronized, you can disable Steam Cloud for CrossCode. (Right click the game, select "Properties", then the "UPDATES" tab and uncheck "Enable Steam Cloud synchronization for CrossCode").
Important: Note that we don't support a proper merging of save states. That means if you have two different sets of saves on two machines and want to use Steam Cloud, you will have to replace one set of saves with the others. Steam should give you a warning in that case and an option to select which saves you want to keep.
If there are any issues with save synchronization, please let us now!
And that's all!


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Using proven systems I will work with you to create an actionable plan that can be used to meet your business objectives. All services are measured to give you a clear picture on the results of my work. Would you like to start a conversation about improving your business?Start a Conversation
Below is a selection of work I have completed for clients and agencies around the world. If you have any questions, don't hesitate to get in touch.
I collaborated with Quinn on curriculum for two Public Relations courses focused on digital citizenship and crisis management. Quinn's creativity, enthusiasm and follow-through were key to an outstanding lesson plan and huge learning value for the students.
Quinn's enthusiasm and insight have led him to be successful in his ventures. I would highly recommend him for either your advertising or marketing initiatives.
He is attentive to detail, extremely responsive, and generally one step ahead of the rest of us when it comes to figuring out our move forward strategies. He is an absolute joy to work with and I cannot recommend him highly enough.
Quinn did a great job implementing the design that I was looking for in my site. I now have an effective tool to communicate with clients, prospects and people looking for general tax and accounting information on the internet. He was also willing and able to work with the limited resources and knowledge I had.
Find me on twitter if you like. If you prefer traditional, give me a call 226-338-1659 or send me an email at firstname.lastname@example.com
My Story: I'm a web developer, entrepreneur, a husband, a father of three amazing kids, a technologist, a lover of good food and healthy living in Paris, Ontario. (it's small, awesome and close to Waterloo)
I have been working with the web for the past 11 years, I co-founded Goosechase, I help students learn the web and more at Conestoga College and I am always learning new tricks.


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You may have caught some of our 2017 Silver State Race coverage over the weekend, kindly supported by Absolute Hobbyz, we hope you enjoyed it, we certainly did photographically!
In the following post we've picked out our photo favourites over the weekend – portraits, action, emotions and how could you not love a track with the Las Vegas Strip in the background, we hope you enjoy the selection
Those sunsets…
In Dreams
World Champion blur
The allure
Rivkin at Golden hour
King Cody
The Blogger
Barriers are nothing
Whipping Tessmann
KJay & Camden 'Larry King' Lime
Mr MKS Johnson
The Boss
Rose-tinted clouds
Tekno smiles
Pitlane Girl
XRAYt'd Smiles
A new face in the winners' circle
Smoker timeout
Removing play with shop towel by JQ
Shifty eye
On top of the World
Happy Feet
Piercing Gaze
New Beginnings
Caged Beast
Tinder ?
F*%k Off
Spring clean
Glueing of Shoe
Team Euro/Sweden
The marshall


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Allen Jones
Royal Academy of Arts
Sold Out
Limited Availability Print
This print of Allen Jones' highly provocative 'Secretary' sculpture is a brilliant take home reminder of the current exhibition at the Royal Academy.
Allen Jones
English painter, sculptor and printmaker, Allen Jones, is an Artist who has fuelled controversy and debate throughout his career. Perhaps most well-known for his sculptures Hatstand, Table and Chair which comprise near life-size models of bondage-clad women, incorporated into pieces of domestic furniture. The works greeted impressive sales and also great anger amongst feminist groups.
Jones studied at Hornsey College of Art, London. spending 1959–1960 at the Royal College of Art, where he was associated with the rise of Pop Art. His works have influenced everything from design to film and fashion.


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Secretary-General Ban Ki-moon today spotlighted the "shocking" abuse, violence and discrimination suffered by women, in a call for action to empower the gender that make up over half the world's population.
In describing the diverse world population, "I would have to explain that fully half of those people face shocking abuses and discrimination," Mr. Ban told the launch at United Nations Headquarters in New York of Half the Sky, a book depicting the violence and other abuses suffered by women worldwide and proposing action to combat the scourge.
"They are forced into slavery and prostitution," said Mr. Ban at the launch, organized by the UN Office on Drugs and Crime (UNODC).
Women are denied the right to "speak their views, wear what they want, or pursue an education or a career," said Mr. Ban, adding that they "are burned to death or scarred with acid with little or no punishment for the perpetrators."
Mr. Ban noted that even with the technological advances in today's modern world, women all too often die from easily preventable diseases as well as during childbirth. "The casualties dwarf those of most wars, [and] the costs are too high to put a figure on."
The Secretary-General told how he was moved and angered when he met a girl in a hospital where he heard of how the 18 year-old was brutally raped at gunpoint by four soldiers in the Democratic Republic of the Congo (DRC).
Half the Sky, which was written by New York Times columnist Nicholas Kristof and fellow Pulitzer Prize winner Sheryl WuDunn, details stories of sex trafficking and forced prostitution; honour killings and mass rape; and maternal mortality in the developing world, and proposes action to combat the scourge.
"Only by standing up for fundamental rights everywhere can we expect to achieve lasting change," Mr. Ban said as he welcomed yesterday's General Assembly decision to streamline all four UN women's entities.


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Escaping to a Caribbean island has never been as easy as it is today. With an increasing number of direct flights to Belize, enjoying a slice of paradise is more accessible now than ever before.
So, how exactly do you get to the most popular island of Belize? Catch a direct flight to Belize City, take in the views while you fly to Ambergris Caye, then grab a taxi to your hotel or hit the town. Finally, stop by the Grand Baymen Clubhouse for a cold beverage and an unbeatable view!
Book your flight to Belize City
A greater number of direct flights allow you to spend less time travelling to Ambergris Caye and more time exploring the incredible dive sites and bustling town of San Pedro. Did you know the flight from Denver is just four hours? You'll be on Ambergris Caye just in time for a classic Belizean lunch of fry jacks and Belikin beer.
Great news for Canadians! With the recent announcement of WestJet's new direct
flight from Calgary to Belize starting in November, and their direct flights from Toronto
to Belize, it will be much easier to fly here without having to go through U.S. customs.
Tip: Don't forget your snorkeling gear! If you have your own snorkeling mask you'll not only save yourself money on rentals, but you'll also be able to easily observe the marine life in Belize's famous turquoise water.
Take a plane to Ambergris Caye
Once you step off the plane in Belize City, you'll be greeted with the easy-going attitude of Belizeans. Once you pass through customs and retrieve your baggage, you'll need to go to the Tropic Air or Maya Airways desk to check-in to your flight. Did your flight land early? The airlines are extremely accommodating and willing to put you on an earlier flight if available (the same is true for late flights). On the puddle jumper flight you'll get a spectacular aerial view of islands dotting the water. The trip lasts about 15 minutes and costs about $90 one-way.
Tip: Take a ferry to Ambergris Caye instead and save some money while enjoying an alternative route to the island. Remember you'll need to pay for a taxi to the Marine Terminal in Belize City or to Oar House Restaurant and Bar for a Tropic Ferry. The taxi will cost about $30, so be sure to find others heading that direction and to split the cost. Ask your hotel to help confirm your ticket in advance for the Marine Terminal during high season. The trip lasts about 90 minutes and fare is $10.
Travel to your hotel
The airport is located right on the edge of San Pedro Town. From here you can choose to take a taxi directly to your hotel, rent a golf cart from across the street, or (depending on your luggage) take your first look around town! If you ask, hotels will often arrange transportation for you. Some will have arrangements with certain taxis for fair prices and others will pick you up on golf carts themselves.
Tip: If you decide to walk around town, continue north of the airport and you'll find yourself on Middle Street. The streets of San Pedro are affectionately known as "Front Street," "Middle Street," and "Back Street." Head towards Front Street to get your first glimpse of the beautiful Caribbean!
Enjoy your new slice of paradise
Whether you're snorkeling in the Hol Chan Marine Reserve, hiking the Lamanai Mayan ruins, or taking a stroll around Central Park, Belize is sure to be your favorite vacation destination. Don't hesitate to stop into the Grand Baymen Clubhouse, located half a mile south of town beside Crazy Canuck's in the blue house, for an island welcome of a cold beverage and unbeatable view. Welcome to Ambergris Caye!
- Use SkyScanner.com or Momondo.com to compare international flight prices
- Check TropicAir.com or MayaAirways.com for flights to Ambergris Caye
- For online ferry reservations use TropicFerry.com


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Summer will change due to COVID-19
Mia Lucido, Distribution Editor
May 10, 2020
This summer will not look the same because of COVID-19. Nobody knows when the pandemic will be over, but it is expected to go through the summer. For many people, especially students, summer is the time to go outside, travel and be with friends and family. As of now, a lot of summer activities like s...
EIC Column: non-athletes lettering in athletics, huge step forward
Linnea Phillips, Print Editor-in-Chief
December 17, 2017
Varsity athletes have to have dedication, work ethic and sportsmanship to succeed in their sport. But not all students who letter in varsity sports even play the sports they letter in. Many students are turning to the alternative of volunteering with a team in a management position or assisting position t...
Mike Parker, father: like father, like son
Kayla Gjerde, Social Media Reporter
May 4, 2017
Junior Evan Parker has had a great opportunity to be coached by his dad. Mike Parker is the head varsity coach for the boys baseball team. This unique opportunity for both father and son has bonded them extremely close over the years on and off the field. From knowing practice times to working on very specific skill...
Dutko twins gear up for tennis season
Kevin Thole, News Anchor
April 6, 2017
The snow is melting and with that comes the start of spring sports. The boys tennis team is getting their balls and rackets out of storage and getting ready for a successful season on the brand new courts. Leading the team this year are seniors Cole and Parker Dutko, twins who both share the captai...
Thole twins headed for success in gymnastics, wrestling
Tristan Hatchell, Video Editor
April 3, 2017
A lot of people think that being able to play a sport well comes down to genetics, but in this case it isn't just Kevin or Lauren's own genetic. The Thole siblings are both headed for success. Kevin is a key player on the wrestling team and was a premier asset at their state tournament....
Thomas Bruchu develops as year-round athlete
Travis Jacobson, Social Media Reporter
March 28, 2017
Ever since he was young, senior Thomas Bruchu knew he wanted to play sports. Growing up with three older brothers that all played sports, influenced him greatly. Thomas now plays football, hockey and baseball. Bruchu's competitiveness and need to win are what drive his sports life. It is what mak...
Corcoran team leader during last season
Audra RIsberg, Online Editor
March 20, 2017
Senior Garrett Corcoran, number 22 on the boys varsity basketball team, has been described as a team leader. His unique personality and big smile make him someone that people want to talk to. Anyone who has played with him on the basketball team can attest to this. Many players look ...
Coach Doman's leads hockey team, strong coaching skills
Matthew McGinley, Social Media Editor
February 18, 2017
Every successful team is created from the work of the coaches. The boys high school hockey team is a great example of this. Matt Doman has been the head coach for ponies hockey for four years. Ever since the start, he has been working with the class of 2017 hockey boys. With 15 seniors on the roster Doman ha...
Yeary shows signs of stardom with basketball
Jared Dean, Broadcast Editor-in-Chief
February 15, 2017
When the odds are against someone in life and that person really wants to succeed, that person works as hard as possible to achieve that success. Sophomore basketball player Cooper Yeary hasn't been discouraged by his young age. Yeary has worked hard all season and is now one of the standouts on the te...
Athlete interviews are useless
Hunter Hippel, Online Editor
February 14, 2017
"That was horse (explicit). He shouldn't even be able to work at Foot Locker," Chiefs' tight end Travis Kelce said after a holding call effectively ended the Chiefs' season against the Pittsburgh Steelers in the NFL Divisional Round in mid January. The hold was on Eric Fisher, a lineman who has str...
Seth Eisele keeps hockey team in check
Olivia Weirtz, Layout Editor
February 12, 2017
Hockey goalie, Seth Eisele, has been working his whole high school career for this season, when he would become the varsity starter. With taped up red pads, Seth stops countless goals, adding to the team's momentum and giving everyone a little extra hope for an appearance by the ponies a...
Demanding lifestyle means college athletes get paid well
Sonia Moran, Photographer
January 14, 2017
Although athletes already get scholarship money, the NCAA started allowing schools to give a small allowance to college athletes. Athletes practice anywhere between 40 to 50 hours a week. They would complain that since they bring a lot of money to the schools they should be getting paid. Some athletes complain about not being able ...


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Prime numbers are the basic building blocks of the mathematical world. Every natural number other than one is either prime or the product of primes multiplied together. Now scientists are about to add a new number to their list of a rare breed of primes, known as Mersenne primes.
The discovery is the 39th known Mersenne prime, a set of numbers that are of the form 2p - 1, where p must also be a prime number. Because of that exponential 2p, Mersenne primes rapidly get very, very large. So when a project called the Great Internet Mersenne Prime Search (GIMPS) found the new number, nobody was surprised that it topped the scale. The previous record holder, 26,972,593 - 1, is more than 2 million digits long and was found by GIMPS two and a half years ago.
The new prime was discovered thanks to a technique also being used to search for extraterrestrial life and new AIDS drugs. In an approach called distributed computing, volunteers run programs on their computers when the machines would otherwise be idle. Thousands have downloaded a program that runs a Mersenne-prime-testing algorithm, called the Lucas-Lehmer test, and in mid-November, one volunteer reported a prime sighting. Tim Cusak of Entropia, a San Diego-based distributed computing company that provides the network backbone to the search, says he expects the new prime to be confirmed this week by a second test on a supercomputer.
Meanwhile, the search continues. Finding ever-greater Mersenne primes isn't terribly important to number theorists, but GIMPS soldiers on, hoping to set ever-increasing world records. Perhaps, for the participants, the search evokes something primal.
Related sites
The Great Internet Mersenne Prime Search
Biographical site of Marin Mersenne


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Making your own fishing lures can be a relaxing hobby as well as a means to create custom lures for specific fishing situations. Top water plugs and diving crank baits can both be made from a variety of wood types. Once the lure is shaped and sanded, paint it with bright attractant colors or to resemble a bait fish. Painting a wooden lure involves several steps to ensure the lure lasts for many years of fishing enjoyment.
Items you will need
Wood fishing lure
Damp cloth
Wood sealant
Enamel paint
Clear coat
Paint brushes (small hobby)
Wipe the wooden lure body with a damp cloth or rag. Remove any sanding dust that may remain on the surface of the lure.
Apply a sealer coat to the wooden lure. Spray the lure with a combination sealer and base coat. This coating will help to close the grain of the wood and also help seal out water. It will also prepare the surface of the lure to accept the paint. Allow the sealant to thoroughly dry before continuing.
Select the colors that will be used to paint the wooden lure. Choose colors that resemble natural bait fish or select bright colors including red, orange and chartreuse. Apply the paint with small hobby detail brushes in a pattern of your choice. Once again, allow the lure time to thoroughly dry before proceeding.
Apply a clear coat finish to help protect the painted surface of the lure and seal out water. Use either a spray or brush on clear coat. Completely coat the lure, allow to dry and then apply a second coat to ensure the surface was completely covered.
Glue eyes onto the lure if they are being used. Use a water proof glue to attach lure or doll eyes to the head of the lure. Provide sufficient drying time for the glue to cure before using the lure.
- Apply sealant sprays, paints and clear coats in a well ventilated area away from flame or open heat sources.
Photo Credits
- fishing lure image by Brett Bouwer from Fotolia.com


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Brian Kenneth Solberg is seen in this Regina police handout photo.
Published Wednesday, December 31, 2014 2:26PM CST
Published Wednesday, December 31, 2014 2:26PM CST
Police are warning that convicted sex offender Brian Kenneth Solberg will be living in Regina.
Solberg, 63, has a history of committing violent sexual offences against women, and police say he poses a high risk to reoffend.
He will be living under several conditions in a halfway house in the city's Heritage neighbourhood.
Solberg is described as five-foot-eleven and about 191 pounds with brown hair and blue eyes. He has a scar on his face measuring about an inch.
Source: http://regina.ctvnews.ca/sex-offender-brian-solberg-living-in-regina-1.2168278#_gus&_gucid=&_gup=GSEmail&_gsc=Sjx3k5L


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Philippe has much experience in digital change and technology delivery in complex corporate environments, from Financial Services to Telecoms, Retail, Gambling, Media industries. Facing the constraints of making Agile work at scale in such environments, Philippe has explored ways of overcoming the typical constraints that we face in large enterprises, such as technology debt, culture, organisation alignment or connection between Business and Technology.
Lean solved a lot of those challenges, and the automotive industry offers a template of large scale enterprise transformation. This even led Philippe to go "Gemba" on the factory floor of a premium automotive manufacturer. But manufacturing is not quite the same as the Knowledge Work of IT. Philippe exploring the combination of Lean and Agile with Lean IT. Philippe is starting the Lean IT meet-up London and aiming to soon support the Lean IT curriculum in the UK.


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Quote-Tastic Monday ~ Kissed by a Dark Prince
Quote-Tastic is hosted every Monday on Herding Cats & Burning Soup.
Join us every Monday and share a favorite quote that's grabbed ya for one reason or another. Everyone's welcome to join in. Authors, bloggers, readers. The more the merrier! Just grab the button and toss up your post 🙂
Don't have a blog? No worries, just leave your favorites in the comment section.
A month ago I got a great opportunity to read/review Felicity Heaton's Kissed by a Dark Prince in her new Eternal Mates series. I love Ms. Heaton's books! They are fun, adventurous, and hot and steamy romance. I was pulled into a fascinating new series and could not put the book down. Felicity had me laughing, crying and fanning myself. Hope you enjoy the quotes I picked out today!
** Check out my review HERE
"Listen. I'll answer your questions but if you come near me, I won't be held responsible for the damage done to your private parts."
He backed off a step. It seemed that even demons had preservation instincts when it came to their balls. ~ Kissed by a Dark Prince by Felicity Heaton
He had brought light to his people, but she had brought light to his dark world. She had given him something incredible, the wondrous bond between them that made him feel whole and gave him the strength to do what was right. He would never let her go. He would find a way to make her see that they belonged together. They were fated, destined to love each other, each born for the purpose of completing the other. ~ Kissed by a Dark Prince by Felicity Heaton


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Xfinity Prepaid Service: Comcast Tries Out Cheaper 'Pay As You Go' Internet
The prepaid model is working well for wireless phone and data providers, so wired cable companies are trying out no-contract, lower-cast services for at-home Internet.
Comcast is one of the first major U.S. cable operators to try this approach through Xfinity Prepaid Internet Service available in some areas of Philadelphia, Delaware and New Jersey.
Comcast introduced this contract-free, 3Mbit/s downstream Internet product in the Philadelphia area in late 2012, reports LightReading.com.
The Xfinity Internet Prepaid Service is promoted through a dedicated website and with more than 70 stores, including select wireless retail outlets run by Alpha Wireless Communications, T-Mobile USA, Cricket Communications Inc., Speed Wireless and others.
Here's how it works:
For a price of $69.95 plus taxes, you pay once for a starter kit that includes a modem, coaxial cable, Ethernet cable, power cord, user guide and activation code for 30 days of service. Every 30 days you re-up online or by purchasing a card at a local retailer.
Pricing: $15 for seven days, or $45 for 30 days.
While pricing is attractive, the downside is speed. The service is not the fastest commonly available through Comcast for most homes.
According to Light Reading Cable:
The initial prepaid tier is limited to 3Mbit/s downstream and 768Kbit/s upstream. The Federal Communications Commission (FCC) presently defines "broadband" as 4Mbit/s down by 1Mbit/s, which could be why Comcast has decided to affix the "Internet" label to its new prepaid option.
Comcast considers this pilot program just a trial, and is not saying if it will extend a prepaid product to other markets.


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I am creating this thread for the purpose of exploring an idea that might be interesting for both players and producers. Trading card games are becoming more popular these days, and so my idea is to create one for Dawn of War. I've recently found out that the game workshop created one called ''The Horus Heresy Legions'' and although trying it was fun to explore, it lacked many components for it to succeed on par with for ex; Hearthstone. Although they had some cool mechanics in combat it's initial UI mechanics were built cheap, something that GW keeps doing in a lot of there games and something that makes it not succeed with other major industries. So the idea is preferably to be done by the creators of Dawn of War (Relic) someone with experience in the game and someone that could do this project properly. For the idea to work it's first impressions must be done correctly, so before official release it would need an alpha test and beta test.
The ideal scenario of DoW TCG:
1. Since DoW in total has 9 races, all of them being in the TCG would be the ideal scenario for the game. This means that there would be a choice of race to be playable to everyone and to specialize. Diversity is one reason why DoW captured the players attention for all these years, and though I don't want to say this, DoW3 major key elements of hate was due to lack of diversity (3 races).
2. The UI has to be built very good from the start. NO cheap stuff like The Horus Heresy Legions. Good UI means a good foundation.
3. Mechanics of combat; is something that can be discussed a lot, but initially I would say "add everything from the RTS, and then add more mechanics that would suit the TCG" some ideas can be even taken from the other trading card games like Hearthstone, The Eldar Scrolls, etc....
4. Single player mode; well it would be a good way to introduce new players into the lore of Dawn of War so it could start from the beginning and adding more single player story with additional content.
5. Events; this feature can be specialized modes that add different gameplay style with additional rewards depending on how many wins you get.
6. Balance; I would say this would be very important, and very hard to achieve, but all I say regarding to balance is that we don't need a crazy COMBO WOMBO BS. We got Hearthstone for that lol.
So everything I say here is not meant to be an insult to anyone although I do criticize the decisions that were made, but the whole point of this is to create something that can be fun and enjoyable to play and work on. Now the interesting part is the profits that come from this can be invested into the DoW production. Meaning it could be used to advance the DoW3,4 or for example the TCG game. Either way it would be for DoW series!!!! Leave your opinions, and let's see what happens.
Im interested in the idea in dow card game on pc platform its been done with success by blizzard and i would expect relic to follow suit if they choose its worth profit in the investment in time and effort.
My preference they should stick with there strength and focus on rts.
But that said they would have to hire a new team as relic employees for the card game. Relic are known for rts games and im not sure the ability and experience in this area and how difficult the transition to cards from rts games without the background. There are skills card game players/developers need to make a competive card game.
Then the question comes should it be standalone or a mod. Its something like last stand Which is not the main game but gives a taste of a different genre and if popular enough could change development path to and from different genres.
I like your idea but how they do it really depends on many factors. Such as time,money,popularity and if its worth more profits.
Rts is haveing a hard time since sc2. Dow3 did ok profitwise but was nothing people could stick with. People are looking for new and more exciting ways to play and feel as a character or player with all genre have different competitive and esport scenes looking for new ways of playing. Rts has developed by focusing heavly on ballance with enfencis on micro.
A rts game that rewarding card game could be interesting by rewarding good play with cards micro/macro/tactics and achivements.
Ok theres my 5 cents hope it lead to development changes.
I would love one, cross platform that way can play on my mac and on my android phone. I haven't played TCG's before I would like to start though and I think a Dawn of War tcg would be a good place to start.


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Nine-time champion Rafael Nadal withdrew from the French Open with a left wrist injury on Friday, but insisted the heartbreaking setback did not mean the end of his career.
"It's not broken, but if I continue to play it will be broken in a few days," said an emotional Nadal, the fourth seed.
"This is a very bad position, but that's life. If this was not Roland Garros I probably would not have taken the risk of playing in the first couple of days."
Nadal, a 14-time Grand Slam title winner, has been plagued by injuries throughout his career, affecting his knees and wrist.
A right wrist injury forced him to skip the 2014 US Open.
Despite his latest setback, the charismatic Spaniard said he will keep playing although his participation at Wimbledon next month is now in serious doubt.
"Nine times in my career I have been able to be healthy here in Paris and win this tournament," he said.
"This is a tough moment and the toughest press conference I have ever had to give but it's not the end."
Nadal had coasted through the first two rounds in Paris dropping just nine games but revealed he had needed pain-killing injections in his wrist to take part.
His withdrawal gives compatriot Marcel Granollers a walkover into the last 16.
It's also a huge boost to Novak Djokovic's hopes of lifting a first French Open crown.
Nadal and Djokovic were due to meet in the semi-finals next Friday — the date of the Spaniard's 30th birthday.
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For all the latest Sports News, download Indian Express App.


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Tips for New Dads - top 5 essential tips
Advice for New Dads
Tips for New Dads - Top 5 Essential Tips
top tips for first time fathers to be
- 1. Don't panic!
Trust me, having a child is, overall, a wonderful experience! Sure, there are horror stories and things do go wrong, but the vast majority of pregnancies and births are completely normal, and baby is born without a hitch. Focus on this logical fact, try and disconnect that emotional, worried part of your brain…the bit that's screaming, that is! The various scans that are available are magical and reassuring experiences, so if possible, attend them and they will ease any fears.
- 2. Treat your partner right (she always will be right anyway!)
Your partner is about to have her body ripped open (think 'Alien' movie) and another human, who has been growing inside her, is going to come out. You, on the other hand, got to have great sex a few months ago. Your contribution should not end there. Your partner will need, at any time of the day or night which she sees fit, any or all of the following:
- Ice Cream, and chocolate, and tea, and chips…in one massive bowl
- A foot rub – she can't see them, rub them dude!
- To shout at you for no reason – it's your fault anyway, accept it!
She will get over this when the baby is born, and will return to her loveable, wonderful self, so ride it out. Pregnancy can be a horrible experience for many women, but the baby will make it all worthwhile, just don't let your relationship suffer in the meantime. Try this for starters. I used a similar product here in the UK, and my wife absolutely loved it – brownie points for me!
On a serious note though, post natal/partum depression is a under reported and misunderstood condition that can, and has have very serious consequences. It may be a good idea, if you are concerned, to contact your local doctor for advice.
- 3. Be prepared, but not too prepared
There are MANY articles on the internet with titles like "the 101 things you need to own for a new baby" or "the new essential baby gadget you must own" etc. Remember, babies are a lucrative market and hard selling is everywhere, so use common sense when preparing for your baby's arrival. You will experience your partner's 'nesting instinct' in full effect, cleaning your home and preparing a place for the baby to sleep, clothes etc. People will want to buy you stuff, so go easy on the credit card as long as you have a few essentials. Both of my boys had a ridiculous amount of clothes when they were babies because of gifts from relatives, so my wife and I did not need to buy a thing. A note on nappies/diapers – disposables rock. Unless you have the discipline and iron will necessary to clean re-useable nappies after a bout of diahorrea with 2 hours sleep! They have obvious environmental benefits, but parenting a baby is hard, especially the first time, so make things easy on yourself.
- 4. Have lower expectations
What will your kid be? President? Brain surgeon? Professional Sportsperson? Of course this is a possibility, but it can be easy to get carried away. This is especially the case with Dads and their sons, kind of like a second shot at your life. I see it all the time with parents driving their kids hard into various activities at younger and younger ages – Tae Kwon Do at 2? Seriously!? The point Im trying to make here is this; CALM DOWN. It is fine, great in fact, to have high expectations for your children, just don't let these overtake your, or more importantly your child's, happiness. So take the phonics flashcards away from the crib, dismantle the scaled down internal combustion engine in the playpen, and just be! Your baby will be grown up in no time, trust me, so treasure the awesome moments of silliness for what they are and enjoy being a Dad.
- 5. Reduce stress as much as possible
To be less stressed know that you will have to be flexible and easy going. Guys are used to dealing with controllable things, that's why we like video games so much (!), but it is vital for your own stress level that you realise that babies will not respond to a 'xBox' controller! Life will probably not be a bed of roses if you need to watch 'Baseball tonight' at 8pm on ESPN every night. Reduce your own stress by changing your mindset a little, to be more flexible, and adapt cheerfully to change. Baby needs a walk outside to get to sleep, it's 10pm, don't stress, as long as baby is ok and you and your partner are ok, all is good. Enjoy the walk, get baby off to sleep and laugh about the potentially stressful stuff. Babies can honestly sense stress in adults and they freak out, don't sleep, and don't behave like you would wish. This is the biggest tip I could give you, as it's had the most success for me, I've seen the alternative and it ain't pretty!
PS – tip number 6: Enjoy every moment, you are a lucky guy!
Pamper Pack for Mothers-to-Be
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Shailene Woodley is a very unusual person. In typical Scorpio fashion, she turns challenges into opportunities, infuses her passion into every acting role she has ever performed and brings boundless dedication to her advocacy work.
I had the pleasure of sitting down recently with this young woman to discuss her interest in astrology, our mutual ability to delve into metaphysics and our love for truth.
More Than Just a Pretty Face
Whether she's on the red carpet, advocating for clean energy or championing indigenous rights, Shailene Woodley commits fully. This amazing young woman, who's just 26 years young, started acting when she was eight and has already worked with superstars George Clooney in The Descendants; Nicole Kidman and Reese Witherspoon in the HBO hit mini-series, Big Little Lies; and Kate Winslet in The Divergent Series (to name a few).
Oh, and on top of all her film work, she's also started a non-profit with her mother and brother called All It Takes, which cultivates youth leadership by teaching young people to practice honor, acceptance, compassion and respect in order to create positive change in the world. Shailene echoed the mission of her non-profit during our conversation, saying: "…one of the biggest takeaways of astrology was being able to understand my inner psyche from a place that was compassionate, not from a place that was judgmental."
Shailene and Millennials Embrace Astrology
Like many of her Millennial peers, Shailene Woodley is looking to astrology for guidance, and she's using her voice to speak out against injustice wherever she sees it. And people are listening. Last year, Woodley was honored at the 20th Anniversary Global Green Environmental Awards where she received the Entertainment Industry Environmental Leadership Award for co-founding the All It Takes organization.
Shailene is truly inspiring, and I can't wait for you to hear my conversation with her! Wise beyond her years, Shailene observed during our chat, "The truth always wins. You can't hide from truth. And truth is always—in my experience—love." I want you to have access to the kinds of wisdom that shaped Shailene Woodley into who she is.
It is because of The Star Community that you can be part of an inspired group of astro-maniacs who utilize the practice of astrology as a tool to guide and transform lives in magical ways. Contact me today to get unprecedented access to understanding astrology and its practical application in developing your study of the meta physics…
Connecting with Debra
Learn more about the many ways Debra Silverman Astrology can guide you using astrological charts rooted in science. Learn more about Debra Silverman Astrology on Facebook, Twitter, Instagram and YouTube.


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Maggie Clark is with the Sarasota Herald-Tribune.
Cole Goins, senior manager for engagement and community collaborations at Reveal from The Center for Investigative Reporting. Greg Barber, director of Digital News Projects at the Washington Post.
Funding for this content was provided by the NPF Training Fund.
Learn more about sponsoring the National Press Foundation


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This evening I began an in-depth study of Daniel that I bought from Christian Book.
I am really excited.
Two companies have entire series with individual studies of each book of the Bible, as well as some topical studies. To start off, I have ordered one study on Daniel, one on Revelation, and one about angels.
Rereading the first half of Daniel this evening has been really illuminating. I have been in the New Testament for quite a while. But every chapter of this book is a constant reminder to prevail, to have strength. Of course there's the story of Shadrach, Meshach, and Abednego. Everybody knows the story about the fiery furnace. But there's so much more than that. Kings were ordering fortune-tellers and sorcerers to death right and left, and Daniel was able to speak up and interpret the King's dream because God had given him that gift. It had to have been at least mildly nerve-wracking to offer up not only an interpretation of the King's dream, but to actually recount it to him, especially knowing how many people had put to death for not being able to do that. But Daniel went ahead because he knew that God had granted him that vision.
As a spiritual person I am really compelled by the central role that dreams play in Daniel. The king has important dreams that show him his future, and Daniel has visions about these dreams that he is able to interpret. Essentially, God repeatedly gives people spiritual and literal information through dreams and visions. That is incredibly powerful. People often laugh about the entire subject of interpreting dreams. Freud did the subject no favors in a lot of ways. And of course sometimes dreams have nothing to do with God. However, we should never rule out the possibility that what we have seen in our sleep is a message.
God goes where he pleases and does what he wants. He is limitless. He can speak to us regardless of our state of consciousness. I need to start paying more attention to my dreams. I need to be spiritually receptive when I am awake and when I'm asleep.


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Dallas Police Chief David Kunkle tells Unfair Park he expects to launch the so-called no-refusal program full-time in September after key legislation passed Sunday that makes obtaining a blood search warrant easier.
"That was the hold up," says Kunkle, who explains that the old law stipulated that only certain judges could issue an evidentiary search warrant relating to suspected DWI offenses. Now, the law has been broadened to allow any magistrate who is a state-licensed attorney to issue a blood search warrant -- and such magistrates are at the jail 24/7. "We only did it on special weekends because of the difficulties of finding judges to sign the search warrants."
The bill, known as the Nicole "Lilly" Lalime Act -- so named for a 13-year-old killed by a drunk driver last December in Harris County -- originally included "sobriety checkpoints," an item much heralded by Mothers Against Drunk Driving. However, that part of the bill was lopped off, much to the chagrin of North Texas M.A.D.D. director Mary Kardell: "They just watered it down and just wouldn't do the right thing," she says. "Texas is going to continue to lead the nation in deaths if the House won't take a stand."
The bill primarily expanded the definition of offenses committed while intoxicated to include operating water crafts. It also allows police officers to collect a breath or blood sample without a warrant if they have reason to believe the suspect has a prior DWI conviction or if there is a child in the car.
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Kunkle believes the primary role of the no-refusal program is to convince people there is no way they can get away with drinking and driving. "One of the biggest advantages of the no-refusal program is it does create an environment where people don't believe that there's a way to not be accountable for drunk driving," Kunkle says.
So is Kunkle excited to launch the program full-time?
"It does make me happy," he said. "It's a bill that we supported and we believe in the no-refusal process."


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Quasi-duck wrote:Nah, they weren't. Only two ships actually sat well in the water and all of them had very short barrel life on their guns. On top of this, the British guns had a longer range, better targeting equipment and techniques as well as much more experience. On top of all this, the Brits had better morale too.
Pablo22510 wrote:Their battleships were especially good.
"You can't break a man the way you break a dog, or a horse. The harder you beat a man, the taller he stands." -Jackal (Far Cry 2)


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Here is an interesting op-ed article by Liberty University English professor Dr. Karen Swallow Prior about how the Common Core reading skills standard is good news for Christians. Rod
by Karen Swallow Prior, Christianity Today, 6/20/2013 - The man behind the Common Core State Standards, a set of robust learning measurements that have the potential to change the state of American education, recently reached out to Christians to discuss the role of literacy in our society.
David Coleman, also the president of the testing organization the College Board, recognized that Christians, as a "people of the book," would take a particular interest in the next generation's ability to read, think, and understand texts. ....
In short, the Common Core standards of reading promise to revitalize the fading art of reading well. For Christians, this is indeed good news. (read more)
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Ladyada writes –
This is actually not any sort of product or public project (!) – its something we designed to help me evaluate solar panels and how they act when charging batteries. Normally this requires a lot of multimeters and its a bit of a pain to do if you have to constantly change out panels. So we decided we would build a specialized tool that would assist us. Here is what we wanted!
- Portable! Its hard to test solar panels inside
- Ability to log to an SD card for long-term data analysis (to be added later)
- Keep track of the solar panel voltage
- Keep track of the battery voltage
- Keep track of how much current is going thru the panel to the charger
- We figured if we had to build this, someone might find my notes useful.
This design is intended for ~6V panels, single Lithium Polymer cells and chargers. It can very easily be adapted to any kind of panel and charger, you'll just need to adjust the resistor dividers and such!
Read about the tester here.