text:
Your powers of perception surpass everyone's, whether used to observe your surroundings or the intentions of others.
Prerequisite(s): Alertness.
Benefit(s): The bonus on Perception and Sense Motive skill checks from Alertness increases by 2. In addition, you can expend one use of mythic power to treat a Perception or Sense Motive check as if you had rolled a natural 20. You must decide to use this ability before making the roll.
Pathfinder Roleplaying Game Mythic Adventures © 2013, Paizo Publishing, LLC; Authors: Jason Bulmahn, Stephen Radney-MacFarland, Sean K Reynolds, Dennis Baker, Jesse Benner, Ben Bruck, Jim Groves, Tim Hitchcock, Tracy Hurley, Jonathan Keith, Jason Nelson, Tom Phillips, Ryan Macklin, F. Wesley Schneider, Amber Scott, Tork Shaw, Russ Taylor, and Ray Vallese.


text:
Star City Chennai Serviced Apartments & Villas, The first and finest Serviced Apartments in Chennai is the premier choice for both business and leisure travellers.
Our apart hotel chain combines prime locations across chennai (all just 30 minutes away from the Airport or the Chennai Central Railway Station) with modern facilities to ensure that all our guests experience the maximum in comfort and convenience during their stay at our Luxury properties in T.Nagar and Nungambakkam.
Whether you stay in our service apartments for a night, a week, a month or longer, our "Traveller Class" formula guarantees you a spacious and well appointed serviced apartment - a luxurious alternative to the confines of an expensive regular hotel room in Chennai.
No surprise, we are now ranked among the top 20 hotels in Chennai on Trip Advisor, Winner of the 2013 Trip Advisor Certificate of Excellence Award and highly recommended by guests from around the world.
Whatever your reason for travel to Chennai - business, conference, leisure, vacation or relocation, our personalized service and attention to detail create the ideal surroundings that are equally pleasing and accommodating to business travelers, individuals and families.
Our superb air conditioned serviced apartments, studios, suites and independent guest house villas across Chennai offer you a choice of large one bedroom, two bedroom or three bedroom accommodations.
Most of them feature spacious living and dining areas, full kitchenette facilities besides room service, restaurant, house keeping and business center facilities. All assured with a personal level of service that you won't find in any other serviced apartment hotel in Chennai.
When you stay at any of our 3 StarCity hotel properties across Chennai, we're confident that you will have a comfortable and enjoyable stay and most importantly, be surprised at the great value that we offer.
Our friendly staff are available 24 hours a day to answer your queries. You can contact us on our direct reservation helpline at +91 9840055922 or +91 44 28155050 or email us at firstname.lastname@example.com.

subset: commoncrawl


text:
Health, Nutrition, Fitness and Conservative Medical Care by Howard and Michael Veit
Monday, July 18, 2011
More Raw Foods
My next several posts will provide my analysis, pro and con, of raw vegan diets. It is unlikely that I will go for 100% raw. First, I have concluded that a Nutritarian approach (Dr. Joel Fuhrman) is really ideal for excellent health and it is supported by thorough research. Dr. Fuhrman focuses on high nutrient, low calorie foods with a concentration on vegetables, especially green leafy vegetables and cruciferous vegetables, together with fresh fruit, beans/legumes, nuts/seeds. He recommends a mix of cooked and raw foods, which, as it turns out means that it is hard to eat less than 50% of raw foods by volume. I have been at about 60-70% raw for the past few months. My typical day will be a green smoothie in the morning, a large salad for lunch, perhaps with a whole wheat tortilla or pita, and some soup or other cooked vegan food for dinner. I feel excellent on this diet, am full of energy and seem to recover well from my workouts. For more information about a sample day follow this link to my Training Blog.
Raw whole foods are very easy on the digestion. I can drink a green smoothie an hour or so before my bike training, for example, and the meal doesn't affect my performance on the bike. Green smoothies are also excellent recovery drinks after a workout.
Some raw foodists claim that cooking foods creates toxins and diminishes the nutritional value of foods. The research indicates that is is partially true. Charcoal grilled meat, for example, does produce harmful toxins. But, on the other end of the spectrum, lightly steamed vegetables are healthy, and soups that are loaded with vegetables are very healthy. Also cooked sweet potatoes are also a very good choice. So, to me, the ideal diet is one with over 50% of volume from raw foods and foods that are cooked should be high nutrient foods, cooked lightly. If vegetables are cooked, they should ideally be steamed for optimal health. As I said, for me the optimal combo seems to be 60-70% raw and 30-40% cooked all of which are high in nutritional value and low in calories. Nuts and seeds are excellent foods, although they are not low in calories and they are high in fat. Nuts and seeds should be eaten in small amounts, maybe 1-2 ounces per day.
One of the main questions about a mostly raw whole foods plant-based diet is "Where do you get your protein?" In fact, human protein needs are quite low (see The China Study). Humans seem to very nicely on protein (preferably from plant sources) composing no more than 10% of calories. This is easily achieved on a high raw whole foods plant-based diet. For several years, I have done very well on a diet that rarely exceeds 10% of calories from only plant proteins.
Most people will want to transition to this eating style slowly. I have found, with regards to social life, that those around me eventually have adjusted to my style of eating, my ordering approach in restaurants, my choice of restaurants, and planning for travel. This eating style is very natural for me now. My family and friends have adjusted.
I am convinced that a high raw whole foods plant-based diet will lead to excellent health, prevention of disease and, in some cases, reversal of disease. I will be saying much more about raw foods in some upcoming posts.
No comments:
Subscribe to: Post Comments (Atom)


text:
You have no items in your shopping cart.
Audio Plugin Effects With 4 SHARC processors
Monthly Payment
x payments + £ deposit
Total purchase price is £ with a deposit of £ (%). For your selected term of months and package "", you would pay £ per month. Total charge for credit will be £ and total amount repayable is £
4 SHARC processors offer a significant DSP boost for running large mixes, Includes Analog Classics Plus Plugin Software, VST, AU, RTAS, AAX 64 support
UK DeliveryFREE Next Working Day Delivery on orders over £49.00.
Orders placed before 4pm will normally be dispatched the same day and will be delivered on the next working day between 9am and 6pm.Delivery Upgrade Options (Over £49)
International Delivery
Delivery is charged at a flat rate of £21. The following list of countries are available at checkout:
Click here to view our delivery options
Flexible 30 Day Returns Period
If for whatever reason, you are dissatisfied with your purchase, you can return it to Music Matter within 30 days of receiving the item.You must return an item in the same condition as it was received, not altered in any way, as well as including:
No Returns / Exchange On
Click here to view our full Returns Policy.
Secure Online Payment Powered By Sage Pay
We accept the following debit / credit cards:
PaypalPay for your item(s) in just a few clicks with PayPal.
Instant Online Finance With KlarnaFinance is a great way to spread the cost of your purchase.To make it easy we've teamed up with Klarna Retail Finanace whose smart technology lets you apply for and complete the loan application quickly and entirely online.Quick and Easy
Simply add the items to your basket and at the checkout, select the Klarn finance option that suits you.The quick application form should take no more than a couple of minutes to complete and you'll receive an instant decision.
Click here for more information about applying for finance.
Minimum 12 Months WarrantyAll new & used goods supplied by Music Matter are warranted free from defects for 12 months from the date of supply (unless otherwise stated).Extended WarrantyMany manufacturers offer a free extended warranty upon registration.
The UAD-2 Satellite Thunderbolt QUAD Core DSP Accelerator gives professional producers and engineers fast, high-powered access to award-winning UAD Powered Plug-Ins. This sleek desktop unit is compatible with all Thunderbolt-based Macs, and can supercharge Apollo interfaces and other UAD-2 DSP Accelerator systems to run larger mixes filled with rich analog emulation plug-ins.
In creating UAD plug-ins, Universal Audio's DSP engineers work with the original hardware manufacturers using their exact schematics, golden units, and experienced ears to give you all the warmth of classic analog equipment. The UAD-2 Satellite Thunderbolt QUAD Core includes four SHARC processors, and its Thunderbolt 2 technology offers reduced plug-in latency compared to Firewire 800.
The UAD-2 Satellite Thunderbolt QUAD Core comes with UA's Analog Classics Plus plug-in bundle, and provide access to more than 90 plug-ins from brands including Ampex, Manley, Lexicon, EMT, Empirical Labs, Neve, Roland, Fairchild, Pultec, Studer, SSL, and more (sold separately).
Universal Audio UAD-2 Satellite Thunderbolt QUAD Core With Apple Thunderbolt 2 Cable
Be the first to review this product
Special Price
Excl. Tax:
Incl. Tax:
Special Price
Excl. Tax:
Incl. Tax:


text:
DaimlerChrysler Mercedes F600 Hygenius Hydrogen Concept Car
The DaimlerChrysler Mercedes F600 Hygenius provides genius when it comes to modern design and hydrogen auto functionality. In regards to design there is nothing like it currently on the market or in the concept arena. In regards to hydrogen auto functionality, the F600 Hygenius offers many standard H2 features some other advanced features.
The DaimlerChrysler Mercedes F600 Hygenius comes equipped with a 240v outlet, which, according to Mercedes can make the Hygenius a mobile power source able to power two houses or supply juice to a recreational vehicle with its 66 kW output. Mercedes has stopped short on discussing the potential for vehicle to grid applications.
Sur energy for the Hygenius is stored in a powerful lithium-ion battery pack and then delivered as needed to the electric motor making the Hygenius very similar to a hybrid vehicle in this regard. Under low speeds, for maneuvering and parking the Hygenius will run on its battery pack alone. Upon acceleration, the Hygenius will use both its battery and fuel cell in unison for maximum power output. Regenerative braking helps recapture energy and restore power to the battery pack. The F600 Hygenius delivers 115 hp, a peak torque of 350 Nm and has a range of 250 miles.
In addition, because this is a Mercedes, the F600 Hygenius offers standard features such as built in cameras that warn drivers if other vehicles are in their blind spots, heated and chilled cup holders and a Pre-Safe system, which protects passengers when an upcoming accident is detected. When parked, if the built-in cameras detect an oncoming bicycle or auto approaching from behind, the Hygenius will temporarily disable the doors so that a collision will be avoided. When driving, the cameras monitor vehicles in the Hygenius' blind spot and will warn the driver who is about to change lanes of their presence.
Besides being a technological showpiece, the F600 Hygenius was designed with the family in mind as well. The ISOFIX child seats can be locked into place and the backrests swung around in a face-to-face arrangement and young children can be easily attended to with this new seat configuration. In addition, the two-piece tailgate opens with minimal arc space making it easy to load and unload from the rear. The driver's seat also features a two-piece backrest cushion that follows the upper body movements and minimizes the strain on the vertebra, regardless of the seat position.
According to Dr. Thomas Weber, DaimlerChrysler AG Board Member for Research & Technology and Head of Development at the Mercedes Car Group, "This represents a major step towards bringing the fuel cell drive up to full production maturity, a goal that we aim to achieve some time between 2012 and 2015. By developing the fuel cell, we are creating a new basis for supplying energy in tomorrow's vehicles which will make a further lasting improvement to their environmental compatibility."
In addition, Professor Herbert Kohler, Director of Vehicle Body and Drive Research at DaimlerChrysler says of the F600 Hygenius, "We have made some crucial advances to this trailblazing technology. The fuel cell in the F 600 HYGENIUS is around 40 per cent more compact than previously, runs more efficiently than ever and is notable for its good cold-start characteristics. This has been achieved thanks to the inclusion of innovations such as the redesigned fuel stacks, an electric turbocharger and a new humidification and dehumidification system."
With the first production H2 fuel cell auto being 3 or so years away, its hard to think how Mercedes will be able to top the genius of Hygenius. But, 7 years is a long time and if the F600 Hygenius is any indication the Mercedes engineers may just be able to come up with a vehicle to make George Jetson a little envious.
Written by Hydro Kevin Kantola
Home » Mercedes Benz F600 Hygenius


text:
Prenuptial Agreement Attorney Hilton Head
June 28, 2016
By rotexhawk
With 0 comments
Such agreements most commonly arise out of upcoming marriages where there is a great disparity of wealth between the parties who are about to be married, or when it is a second marriage and the parties both have children from their first marriages. The former situation can cause a lot of strife in the relationship if great care is not taken to include provisions whereby the less wealthy participant does not feel neglected or demeaned. Great skill is required to fashion an agreement by which both parties feel as if they are being treated fairly.
In the latter case, where both parties are trying to ensure that their own wealth passes down to their own children, there is much less likelihood for domestic strife between the parties. However, significant consideration must be given for the quality of life of the surviving spouse, for example the right to utilize the marital residence for a reasonable period of time, after the death of the first of the two parties. Given the multitude of issues that can exist, it is incumbent for a client to choose the right lawyer who knows how to ask all of the important questions, so that the agreement is set up to cover almost any situation that might arise.
Comments are closed.


text: What I found most interesting during my visit to the Victoria & Albert Museum, to view their latest fashion exhibit, was how my fellow visitors decided to dress for it. While Christian Dior as a brand has been known for impeccable, lady-like style since 1946, in 2019 London I was surrounded by a cacophony of sloppy, unkempt and dull outfits, worn by women who didn't give their mirror a second look before leaving their homes/hotels/offices that day. And some men, trust me guys, you didn't fare that well either.Read More


text:
Chancellor's Message
Dr. Rajat Mathur
"Education is like a vast ocean that is fed by many rivers and tributaries. The construction of a single exceptional campus in Shimla that will house an institution committed to innovation and holistic teaching is the AP Goyal Charitable Trust's humble contribution to that ocean. At Alakh Prakash Goyal Shimla University, we look at personal development in terms of sargam. Just like mastering a single swara will not result in making music, we feel that simply concentrating on one subject will not allow a student to harness his or her full potential. To expand the analogy, the proficiency with all seven swaras is a prerequisite to forming a harmonious whole, we believe that, in order for a student to grow into a well-rounded, mature member of society, he or she should be exposed to the entire educational spectrum. We will strive to achieve our goals and the trust's 100-crore rupee investment is just the first phase in our long-term commitment to the dissemination of knowledge. We are especially proud of the fact that the construction of our university will result in the creation of more than a thousand jobs for the local populace with even more to come. Please join us in fulfilling our dream of turning the divine splendour of Shimla into an educational paradise."


text:
Last week in Medcity News, Tiffany Wilson Karp, the executive director of the Global Center for Medical Innovation, discussed the changing landscape for early stage funding in the medical device space, including that "[v]enture capital is essentially out of the early-stage medtech investing business" and that she is "seeing an increased interest from corporate venture capital (large medical device companies, for example) which face gaps in their innovation pipelines in the future and may be open to creative ways to engage with early-stage companies who are working on problems they want to address or product pipelines they want to fill."
As Karp observes, a partnership between a start-up and corporate venture arm can be ideal:
"Large multinational medical device companies can also play a valuable role early on, and we are seeing the large companies wanting to develop relationships and perhaps make investments early. I think the great thing about working with a large-device company is, if you ultimately plan to be acquired, your due diligence package should be in good shape if you have guidance and input from industry."
There are, however, potential pitfalls to such a relationship. Unfortunately, it is not uncommon for larger corporations to invest in promising healthcare companies, only to take advantage of their position by developing the underlying technology themselves or dispensing with the project so as to avoid cannibalizing sales. At Lake Whillans, we have worked with several early stage companies that have not been well equipped to protect their business in a situation in which a larger multinational company sought to misappropriate an innovation for itself (or attempted to derail the business in the hopes of eliminating an emerging competitor).
As I discussed a couple weeks ago, there is, however, a viable path to defend an early stage business and the value that it has created should a relationship go sideways. Distressed venture finance and litigation funding are relatively new financial products that can help otherwise vulnerable businesses protect themselves. Companies, such as Lake Whillans, that provide these products can help businesses threatened by the unscrupulous actions of a partner or competitor leading a fresh capital raise, providing non-recourse funding for a litigation, and lending our expertise and guidance to help navigate what can otherwise be a difficult period for a business.


text:
WMSC has two fully functioning, certified surgical suites and one procedural suite. We provide services for patients with ASA scores of 1 through 3. Our anesthesia methods include local, RN administered light to moderate sedation, or CRNA administered heavy sedation.
WMSC has eleven admission / recovery bays. Each bay outfitted with an electronic patient monitoring system and all equipment and supplies necessary to provide safe, efficient, high quality, individualized attention to those we serve.
Our kind, caring and compassionate staff are fully trained and competent in all phases of ambulatory patient care. They are ready to assist you throughout your procedural process, to educate you, to obtain answers to your questions and to help ensure that your experience at WMSC is a positive one.


text:
Solar box cookers have been popular with campers and back-to-the-landers for decades. The Kyoto Box solar cooker, an updated design, has just won first place in the Financial Times Climate Change Challenge.
According to an article in Green Futures magazine, "The Kyoto Box uses the greenhouse effect to boil and bake. This solar cooker consists of two boxes, one inside the other, with an acrylic cover, which lets the sun's power in and traps it. Black paint on the inner box and silver foil on the outer help concentrate the heat, while a layer of straw or newspaper between the two provides insulation.
In many parts of the world, wood for cooking fires is in extremely short supply and whole landscapes have been ravaged due to the need for firewood. Kyoto Box inventor Jon Bøhmer told Green Futures he "believes it could halve the need for firewood, saving an estimated two tonnes of carbon per family per year, as well as freeing women and children from the health risks of inhaling smoke from the cooking fires."
Does this new solar cooker really work any better than earlier designs? We invite you to build the Kyoto Box solar cooker and tell us how it worked. You can post your results in the comments section below.


text:
"These curried eggs
Will leave any meal behind,
With it's flavor and spice
It's an epic find.
Warm and comforting
A recipe from a hunch,
Coupled with some bubbly
For that perfect weekend Brunch.
Don't divide, don't share
One of them, one for you,
And as you take that bite
You'll say Thank You Shu!"
I hear you, this is not Tapas. But hey, if I experiment with a dish as beautiful as this, it's only fair that I share it with you.
I was inspired by mexican style eggs we had for Brunch the other weekend. And if Mexicans can do it, so can we. Warm & comforting, this was a quite a satisfying meal-in-a-pot - even for me - someone who doesn't quite like eggs! The spiced flavors from the kidney beans compliment the eggs very well, making is the kind of dish love on the weekends with a glass of chilled mimosa.
Sharing? What's that?
1 cup boiled kidney beans (don't drain the liquid)
½ cup cherry tomatoes, halved
½ red onion, sliced lengthwise
½ teaspoon cumin seeds
3-4 green chilies, finely chopped
1 teaspoon coriander powder
½ teaspoon garam masala
½ teaspoon turmeric powder
½ teaspoon dry mango powder (amchoor)
A pinch of asafetida powder
2 tablespoons olive oil
¼ cup frozen sweet corn
½ teaspoon salted butter
2 small-medium sized eggs
Salt & pepper to taste
PS- Would also work great if you have left over kidney bean curry. The flavors always taste better after a day or two!
PS- Would also work great if you have left over kidney bean curry. The flavors always taste better after a day or two!
Pre-heat the oven to 400 degree F.
Heat the olive oil in a non-stick pan. Add the cumin seeds, green chilies, onions and tomatoes and cook till onions are translucent. Cover and cook for another minute till the tomatoes are tender and begin to leave water. Now add all the dry spices, and the kidney beans, along with ½ cup water. Cover and simmer on medium flame for 8-10 minutes. Remove cover, turn flame to high and cook for another 3-4 minutes, till the gravy is thick. Keep aside to cool.
Melt the butter in a cast iron skillet over medium flame. Add one egg along with the kidney beans and corn. Mix to scramble slightly, and let the mixture set for a minute. Remove from heat and break the other egg on top. Transfer to the oven and bake for 12-15 minutes, till the egg is cooked through. (I don't like the centre runny but if you prefer it that way then cook for only 7-8 minutes, or just till the whites are cooked).
Sprinkle with chopped onions, cabbage, salt, pepper & paprika and serve hot.


text:
Funeral Home Obituaries...Service
Funeral Home Obituaries...
Glen L. MungleVisitation:Date: Wednesday, September 9 Time: 3:00 pm to 7:00 pm Visitation Location:Pitman Funeral Home, 1545 Wentzville Pkwy., Wentzville, MOService: Date: Thursday, September 10 Time: 1:00 pm **Visitation prior to the service from 11:00 am to 1:00 pm** Service Location:Liley Funeral Home, Patton, MOInterment:Patton Cemetery, Patton, MO
Memorials/DonationsMemorial contributions may be made to Patton Cemetery in Patton, Missouri in care of Pitman Funeral Home, P.O. Box 248, Wentzville, MO 63385.
ObituaryGlen L. Mungle passed away on September 4, 2015 at the age of 89. He is the beloved husband of Anna Mungle nee Dolle of Troy, Missouri. He is survived by his two daughters: Gwen (Terry) Lewis of Wentzville, MO & Darlene (John) Boland of Troy, MO; sister-in-law, Germaine Mungle of Patton, MO; five grandchildren: Margaret Talbot, Debbie Dugan, Jim Boland, Joe Boland and Nora Jane Lewis; eight great-grandchildren: Isabel, Ethan & Hunter Boland; John J. Boland; Ryan & Erin Dugan; Parker and Alex Talbot. He was preceded in death by his parents: James I. & Laura Mungle nee Yount; brothers: Arthur, Lester, Claude & Kent Mungle; sisters: Mattie Heitman, Edna Reagan, Nancy Heitman & Nola Henry. Glen was a member of the Old Alexandria United Methodist Church, and the Wentzville American Legion Post#323. He retired from McDonnell Douglas in the early 80's. In retirement, he enjoyed camping, fishing and golfing. Glen was fond of reading. He will be dearly missed by all who knew him.
Back to Obituaries List
Close This Window


text:
The Specific Treatment for Problems of the Spine (STOPS) trial was completed in 2013 with the recruitment of 300 patients. It is the first randomised controlled trial showing moderate to large effects favouring the specific physiotherapy. The treatment evaluated was the same used by the Advance Healthcare team that is used with patients on a daily basis. Our research team in association with La Trobe University is currently working to publish this paper in a high quality journal. You can see some of the results in the graph below. It shows that specific physiotherapy is 50% more likely to result in a 50% improvement in daily activity capability compared to standard and guideline-based treatment. The evidence is clear; the treatment program developed and used by Advance Healthcare works!
Current guidelines advise that diagnosing back pain is not possible (Koes et al 2010). Some even suggest that thinking about the injured structure when treating back pain may cause more harm than good (Dagenais et al 2010). However there is now reasonable evidence, that using clinical methods developed by the Advance Healthcare team that injuries such as disc related pain can be identified and treated (Ford et al 2013). Part of this evidence is provided by an outstanding paper from Michael Adams that recommends practitioners think about the disc in the lumbar spine and how different treatments can actually increase the rate of healing. Some still doubt that healing in the disc is relevant to treating back pain. But look at the picture above; it is a cross section of an injured disc where a blood vessel has grown and is laying down scar tissue. A variety of physiotherapy methods can accelerate this healing process. These methods have been proven as successful in the STOPS trial.
There were 5 different treatment types in the STOPS trials. As we want to help as many people with back pain as possible, its important that these complex treatments were published for practitioners to access. Our papers (approximately 10,000 words each) have all been published in Physical Therapy Reviews and are available on our practitioner education website KALSI.com.au.
This flow chart is an example of some of the decision making rules used in the STOPS trial to help practitioners negotiate difficult treatment scenarios. The example outlines clinical reasoning strategies when a person presents with back pain that has recently worsened.
This is another paper we have published on how to diagnose back pain; this time using an expert panel to establish diagnostic features. The paper, written by one of my PhD students Viktoria Wilde and Jon Ford, showed which features were more likely to be diagnostic of the zygaphophyseal (or facet) joint as the cause of a person's back pain. The results of this study converge with a range of other evidence to support the diagnostic features we use clinically and in the STOPS trial.
This figure is from a paper Jon Ford published on the complexity of treating back pain. In it, we urged practitioners of all disciplines to act professionally by using a progressive "building block" approach to acquiring evidence-based knowledge. We wrote this out of concern for some practitioners picking up on the latest "trends" in back pain research, rather than integrating new evidence with established current clinical practice. The aim of our approach to back pain is to provide practitioners with a clear and structured approach to dealing with complex clinical problems.
1. Adams MA, Stefanakis M, Dolan P. Healing of a painful intervertebral disc should not be confused with reversing disc degeneration: implications for physical therapies for discogenic back pain. Clin Biomech 2010; 25(10): 961-71.
2. Koes BW, van Tulder M, Lin CW, Macedo LG, McAuley J, Maher C. An updated overview of clinical guidelines for the management of non-specific low back pain in primary care. Eur Spine J 2010; 19(12): 2075-94.
3. Dagenais S, Tricco AC, Haldeman S. Synthesis of recommendations for the assessment and management of low back pain from recent clinical practice guidelines. The Spine Journal 2010; 10(6): 514-29.
Full text copies of articles listed below are available at stops.physio - click to view
1. Surkitt LD, Ford JJ, Chan AYP, Richards MC, Slater SL, Pizzari T, et al. Effects of individualised directional preference management versus advice for reducible discogenic pain: A pre-planned secondary analysis of a randomised controlled trial. Manual Therapy. 2016;25:69-80.
2. Chan AYP, Ford JJ, Surkitt LD, Slater SL, Hahne AJ, Davidson M. Individualised functional restoration plus guideline-based advice versus advice alone for non-reducible discogenic low back pain: a randomised controlled trial. Physiotherapy. In press
3. Warby S, Ford JJ, Pizzari T, Watson L, Hahne AJ. The Effect of Exercise Based Management on Multidirectional Instability of the Glenohumeral Joint: A Pilot Randomised Controlled Trial. BMJ Open. In press
4. Individualised-physiotherapy as an adjunct to guideline-based advice for low-back-disorders in primary care: a randomised controlled trial. British Journal of Sports Medicine. In press. (Impact Factor 5.025 – December 2014)
5. Freitag, J, Ford, JJ et al (2015) Adipose derived mesenchymal stem cell therapy in the treatment of isolated knee chondral lesions : design of a randomised controlled pilot study comparing arthroscopic microfracture versus arthroscopic microfracture combined with post operative mesenchymal stem cell injections. British Medical Journal Open. In press. (Impact Factor 2.271 – December 2014)
6. Warby SA, Pizzari T, Ford JJ et al (2014). The effect of exercise-based management compared to surgery for multidirectional instability of the glenohumeral joint: a systematic review. British Journal of Sports Medicine. In press. (Impact Factor 5.025 – December 2014)
7. Warby SA, Pizzari T, Ford JJ et al (2014) The effect of exercise-based management for multidirectional instability of the glenohumeral joint: a systematic review. J Shoulder Elbow Surg 2014;23(1):128-142. (Impact Factor 2.69 – December 2014)
8. Chan AY, Ford JJ, McMeeken JM, Wilde VE. Preliminary evidence for the features of non-reducible discogenic low back pain: survey of an international physiotherapy expert panel with the Delphi technique. Physiotherapy 2013; 99: 212-20. (Impact Factor 1.57 – July 2013)
9. Ford JJ, Hahne AJ. Complexity in the physiotherapy management of low back disorders: clinical and research implications. Manual Therapy 2013; 18: 438–42. (Impact Factor 2.24 – July 2013)
10. Ford, J. J. and A. J. Hahne (2013). "Pathoanatomy and classification of low back disorders." Manual Therapy 18(2): 165-168. (Impact Factor 2.24 – July 2013)
11. Ford, J., A. Hahne, et al. (2012). "A classification and treatment protocol for low back disorders. Part 3: functional restoration for intervertebral disc related disorders." Physical Therapy Reviews 17(1): 55-75.
12. Ford, J., M. Richards, et al. (2012). "A classification and treatment protocol for low back disorders. Part 4: functional restoration for low back disorders associated with multifactorial persistent pain." Physical Therapy Reviews 17(5): 322-334.
13. Slater, S. L., J. J. Ford, et al. (2012). "The effectiveness of sub-group specific manual therapy for low back pain: a systematic review." Manual Therapy 17(3): 201-212.
14. Surkitt, L. D., J. J. Ford, et al. (2012). "Efficacy of directional preference management for low back pain: a systematic review." Physical Therapy 92(5): 652-665 (Impact Factor 2.78 – July 2013).
15. Richards, M. C., J. J. Ford, S. L. Slater, A. J. Hahne, L. D. Surkitt, M. Davidson and J. M. McMeeken (2012). "The effectiveness of physiotherapy functional restoration for post-acute low back pain: a systematic review." Manual Therapy 18(1): 4-25. (Impact Factor 2.24 – July 2013)
16. Ford, J., L. Surkitt, et al. (2011). "A classification and treatment protocol for low back disorders. Part 2: directional preference management for reducible discogenic pain." Physical Therapy Reviews 16(6): 423-437.
17. Ford, J., S. Thompson, et al. (2011). "A classification and treatment protocol for low back disorders. Part 1: specific manual therapy." Physical Therapy Reviews 16(3): 168-177.
18. Hahne, A. J., J. J. Ford, et al. (2011). "Outcomes and adverse events from physiotherapy functional restoration for lumbar disc herniation with associated radiculopathy." Disability and Rehabilitation 33(17-18): 1537-1547 (Impact Factor 1.54 – July 2013).
19. Hahne, A. J., J. J. Ford, et al. (2011). "Specific treatment of problems of the spine (STOPS): design of a randomised controlled trial comparing specific physiotherapy versus advice for people with subacute low back disorders." BMC Musculoskeletal Disorders 12: 104 (Impact Factor 1.89 – July 2013).
20. Hahne AJ, Ford JJ, McMeeken JM. Conservative management of lumbar disc herniation with associated radiculopathy: A systematic review. Spine 2009;35:E488-504 (Impact Factor 2.16 – July 2013).
21. Ford JJ, Story I, McMeeken JM. The test-retest reliability and concurrent validity of the subjective complaints questionnaire for low back pain. Manual Therapy 2009;14:283-291
22. Stanhope, M, Ford JJ. Practical implementation of treatment guidelines in a workers' compensation environment: A new approach. The Journal of the International Association of Industrial Accidents Boards and Commissions 2008;45:207-223.
23. Heymans MW, Ford JJ, de Vet HCW, McMeeken JM, Chan A, van Mechelen W. Exploring the contribution of self reported and clinical variables for the prediction of low back problem work status following physiotherapy functional restoration. The Journal of Occupational Rehabilitation 2007;17:383–397.
24. Wilde V, Ford JJ, McMeeken JM. Indicators of lumbar zygapophyseal joint pain: surveying of an expert panel using the Delphi Technique. Physical Therapy 2007;18:1348-1361.
25. Ford JJ, Story I, O'Sullivan P, McMeeken JM. Classification systems for low back pain: A review of the methodology for development and validation. Physical Therapy Reviews 2007;12:33-42.
26. Stanhope M, Ford JJ. The critical role of evidence-based decision support systems to deliver the intended benefits of treatment guidelines in workers' compensation. The Journal of the International Association of Industrial Accidents Boards and Commissions 2006; Autumn:35-60.
27. Ford JJ. Pathological and psychosocial considerations in massage of the lumbar spine. Journal of the Australian Association Massage Therapists 2007;Spring:14-18.
28. Hahne A, Ford JJ. Functional restoration for a chronic lumbar disc extrusion with associated radiculopathy. Physical Therapy 2006;86:1668 –1680
29. Ford, J and Bennell, K. Effectiveness of a physiotherapy functional restoration programme compared to patient-selected treatment on chronic compensable low back Moving in on Occupational Injury. Butterworth-Heinemann: Oxford


text:
Citibank Ready Credit SmartCash
Citibank offers personal loan based on term up to 2 years for Singapore citizens and permanent residents working and residing in Singapore.
- Interest rate (p.a.)
10.00% - 11.00%
- Loan Tenure
1 - 3 years
- Approval Duration
Up to 7 business days
- Min. monthly income
Loan calculator
What's so great about Citibank Ready Credit SmartCash?
- Borrow up to 2X of your monthly income today
- Low interest rates start 1.75% per month
- Minimum annual income requirement between S$20,000 to S$30,000
- Flexible repayment period up to 36 months
Product Features
|Min. financing amount
|Max.financing amount
| Up to 2X fixed monthly salary
|Min. loan tenure
|1 year
|Max. loan tenure
|3 years
|Interest rate
|Fixed rate of 10.00% – 11.00% per annum
|Approval duration
|Up to 7 business days
|Debt consolidation
Fees & Charges
|One time set up
|Processing fee
|Annual fee
|S$90, waived for the first year
|Early settlement
|Late payment charges
|Notified from time to time
|Age requirement
|Age 21 - 67
|Employment eligibility
|Singaporean citizens and permanent residents
|Min. salary requirement
|S$1,667 gross per month
|Guarantor / Collateral requirement
Other Requirements
|Need to open linked banked account?
Product Review by
Citibank Quick Cash - FAQ
What is the maximum amount you can borrow?
You can borrow up to two times of your fixed monthly gross salary up to a maximum loan tenure of three years.
The catch?
Applicant must 21 and above to qualify.
Applicant must be a Singaporean citizen or permanent resident with a annual gross salary of above S$20,000 but below S$30,000.
What will it cost you and how will you be charged?One time set-up fee:
|Loan Tenure
|12 months
|24 months
|36 months
|AIR (% p.a.)
|EIR (% p.a.)
How long will the application take and what documentations are required?
Upon completing an application with iMoney, you may expect a call from the respected bank within the same business day to confirm your application.
Thereafter, Citibank will require an average of five business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
You are required to furnish the following documents for your loan application:
Employee of non-MNC or private limited company:
- Photocopy of NRIC (both sides)
- Proof of Income:
- Latest Computerized Payslip OR
- CPF Contribution Statement for past 12 months OR
- Latest Income Tax Notice of Assessment (NOA)
Salaried Employee:
- Self-employed applicants:
- Photocopy of NRIC (both sides)
- Income Tax Notices of Assessment (NOA) for past 2 years
- Any other documents as may be requested by the Bank at its sole discretion
Proof of Income:
- Applicants earning commission:
- Photocopy of NRIC (both sides)
- Proof of Income:
- Variable Income/Commission Based Earner:
- Latest 6 months Computerised Payslip OR
- CPF Contribution Statement for past 12 months OR
- Latest Income Tax Notice of Assessment (NOA)
- Enjoy HSBC Personal loan with an approved loan amount of up to 8 times your monthly income with an interest rate of 5.60% up to 9.50% per annum, which you can easily pay back in 1 to 7 years. To be eligible for this personal loan, you minimum monthly income should be S$2,500.
- With Standard Chartered CashOne, you can easily enjoy a personal loan with an approved amount of up to 4X of applicant's monthly income or S$200,000 with an interest rate starting from 6.88% up to 10.80% p.a. On top of that receive a Platinum Credit Card for those with annual income of S$30,000 and above.
Can you apply if you have a bad credit score in CBS/ FICO/ DP credit bureau?
Your personal loan application is likely to get rejected if you have a bad credit score. Late payments or missed payments are some of the major are some of the major contributors to a bad credit score. If you currently have an unsatisfactory credit score, take steps to rebuild it by clearing overdue payments. Make full and timely payments on your debts for 6 months before reapplying.
If you are looking for personal loans offered by other banks in the Singapore, you may also consider:HSBC Personal Loan
Standard Chartered CashOne
Looking for more choices? You can also take a look at the full line-up of Personal Loans listed on our website and choose which is the right one for you.


text:
MILLINGTON, Tenn. (NNS) -- The Navy Personnel Command (NPC) Communications Office published the 50th anniversary edition of Shift Colors, the Newsletter serving about 650,000 Navy retirees, in the Winter 2005 edition.
For the past 50 years, Shift Colors has provided retirees and their family members with up-to-date information pertaining to their pay and benefits. It includes continual updates from TRICARE; Defense Finance and Accounting Service; Morale, Welfare and Recreation; and NPC's Retired Activities Office.
The 50th Anniversary issue of Shift Colors gives readers a look back at 1955 with a five-page spread featuring stories and photos sent in by readers.
"It was apparent that our readers are very proud of their military service, and they were eager to tell their story. Their small piece of the puzzle fits quite nicely into our country's naval history, and we appreciate them taking the time to put their thoughts on paper and forwarding for inclusion in this issue," said Lindsay Conner, Managing Editor.
The NPC Communications office is responsible for publishing Shift Colors three times per year, making sure the information being passed on to readers is accurate and up-to-date with the latest changes in retiree benefits. At the same time, it provides a fact-filled reference source for family members to use to better understand their benefits and responsibilities.
"Thank you for the fine publication and the excellent information you send me via Shift Colors. I have used the information to help me in my retirement and appreciate especially the articles on things like DEERS, myPay, Tax Statements, and what my spouse should know," wrote retired Capt. Clayton Petty. "I keep the Ready Reference Contact Information sheet where I can get to it easily."
Shift Colors can be accessed through the NPC Web site at www.npc.navy.mil, and clicking on reference library and then publications.
The Shift Colors Web page provides the latest issue of Shift Colors, back issues beginning from 2002, reunion listings, information updates, ready reference contact information, and retiree seminars.
For related news, visit the Navy Personnel Command Navy NewsStand page at www.news.navy.mil/local/npc/.


text:
Reins of Life provides mental, physical, emotional, behavioral, & spiritual healing by harnessing the powerful connection between horses & people.
We depend on donations, local support, volunteers, and grant funding to run our programs, care for our horses, and maintain our facility.
Thanks for your generosity!
There's something about the outside of a horse that's good for the inside of a man. ~ Sir Winston Churchill


text:
It was my 22nd birthday, but my parents were in Singapore. So I was alone during the whole weekend. But it was not a big problem for me since I had arranged birthday dinner with DATERs of JPCC. I would not be lonely then 😀 Billy arranged our first meeting before the dinner. Remember, it was our first meeting since nine months passed by when I finished my course. He sat by the window and stood up when he saw me entered through the door of the cafe. He shook my hand and spoke so many wishes for my birthday. He also gave me a lot of gifts: He made a sketch of my face, gave me sunflowers, rainbow bible (my wish gift), and mochi cake ;)He gave a letter also to describe each meaning 🙂
To: Leticia
Hi Letty, first I want to say "Happy Birthday" again to you. As God add years to your life, may He adds life to your years 😉 Btw, you still look like 18 years old girl, haha (not like me, who like 25 years old man). With this letter, I want to explain each gifts that I gave to you.
Sunflower — No doubt about that, you love sunflower right? Haha you said that you had a dream that I try to find a sunflower for you but I can't give it to you because sunflower is a rare thing at Indonesia, haha, so with this sunflower I hope you'll feel happy because now you have something special, rare, and beautiful thing haha 🙂 Don't forget to change the water every 2 or 3 days, so the sunflower can still alive.
Mochi — Yes, maybe you already know the reason behind "moci", it started with your quotes "Aku suka moci, karena MO CIum pipimu wkwk", you know maybe it's a simple quote but this is the most funny quotes I've ever heard and you also said that you like "green bean" mochi, that's why I bought you mochi, enjoy it 🙂
Picture of You — I like to listen an old song and for me "Picture of You" sung by Boyzone is a nice one. You gave me a Van der Sar mug, now I give you a Sailor Moon :p I try to give a "dual picture" which described you as a sailor moon (beautiful, funny, and heroic girl) and a pastor (I know this is your passion and what God called you to be). ONE DAY this picture will turn into reality #amen.
NIV Rainbow Bible — Well, you already guess it very well because I ask too much about it haha :p, but it's okay, I know you really really want to have it and you're willing to go to Times just to read this bible. I hope you'll feel happy when you have it at home 🙂 May you get closer to God and Jesus by continually read this bible 🙂
I hope you'll feel happy with all gifts that I gave to you. I'm not giving you music box, cake, or maybe a dress because I want to give you something meaningful. Whenever you feel weak in your faith, look at the sunflower. Like you said before, "We are the sunflowers. God is the Sun. There are many times we feel that we are not loved, we are abandoned, we are alone. Yet God is always there. He loves us in a way that we don't always understand. But the truth is God is always by our sides. He is already ready to lift you up at the darkest moment in your life. And our part is simply stare at him. Love Him. Imitate Him."
Whenever you feel sad or don't know where to go, look at the "Picture of You". You have to know that basically you are a hero, brave, and funny girl. Don't let the tear drops rust your shining heart and beautiful face. Also you are a "pastor going to be", keep it in your mind that someday you'll be a great pastor even now you have to walk through the desert of life to reach it.
Whenever you have a question to God or want to know "what God wants you to" look at the Bible and start to read it. You'll find an answer there.
Alright Let, may this year be your best ever. I hope all your birthday dreams and wishes come true.Not just a year older, but a year better. God will always walk beside you and He promise to be 'the voice behind you and guide you in the way you should go' (Isaiah 30:21).
My plan for your future is always been filled with hope (Jeremiah 29:11) Thank you Letty for reading my letter, God bless you as always 🙂
I attach his letter to give you a picture these words meant a lot to me at that time 🙂 Billy had been a friend of mine through good and bad times. Since then we met frequently, until 'the storm' came. His mother suddenly asked him to never meet again with me [ps. I have never met her!]. There are some different reactions that men will do when they are in similar position. Some rebels, some obeys. Billy chose to obey. We knew that rebelling against his mother would only make us more difficult to receive her blessing later on. Besides, we knew that that was not what God want for us to do. Our flesh might want so much to do so, but the Spirit of God of Peace would never use such way. There it goes, three months separation with almost no interaction between us. But Billy created a blog from the very first day his mother forbid us to meet. He consistently wrote me a new post everyday 🙂
God-written love story is certainly not a fairy tale. It still has its conflicts, external problems, temptations, and so on. The thing which differentiate God's love story between common ones is because it surrenders completely to God and trusting Him that He is in control no matter what happens. It was a painful process though. God confirmed us to meet again three months later but the storm had not ended completely. There were moments when we are tempted to give up. One time, as the conflicts grew all the more and toiled my strength, an anonymous e-mail were sent to each of us. Exactly at the same time. Here it is:
May 27, 2012. 08.15 PM
For you
Dear, I know that you and someone have struggled hard for several months now. I don't know exactly what problems are you facing right now. You may often ask yourself "Is it true that this is the way God wants me to pass?"
God has given you many signs in this difficult time. God's purpose is only one, so you will keep fighting and finish the mission of God.
God gave you such a signpost. Each guide gives a straight mark, right, left to the city of your destination. Though you walk hundreds of miles and not see your destination city yet, you will still go ahead and feel safe when you see signpost indicates you are in the right direction.
The difference between the signpost of the God and common signpost is always the distance mark. In common signpost, you can see how many more miles you will arrive to the destination city. But the signpost of the God just gave it to you a straight path with no sign telling how many more miles you will arrive.
It teaches you to walk by faith. Believe in the Lord that He will not steer youth wrong way as long as you obey his commandments.
The good news is, Yes ! this is the way God intended for you. This path is the path where God wants shape your character and the character of someone close in your heart. Afterwards, both of you will receive the promise that God has already made. call it a True Love.
When God has brought you to a road, obey Him and He will deliver you safely to the city. Be Still and know that He is God.
So many tears of sadness you have cried in the last few months. God saw that and the Bible says,
Psalm 126
When the Lord restored the fortunes of a Zion, we were like those who dreamed. Our mouths were filled with laughter, our tongues with songs of joy.
Then it was said among the nations, The Lord has done great things for them. The Lord has done great things for us, and we are filled with joy.
Restore our fortunes, Lord, like streams in the Negev.Those who sow with TEARS, will reap with songs of joy.
Those who go out WEEPING, carrying seed to sow, will return with songs of joy, carrying sheaves with them.
Keep moving forward even though you have to sow it all with tears. Eventually, your tears of sadness will turn into tears of joy. There are many things that God wants to teach and mold you during this period.
Your test will become your testimony to glorify His Greatness.
Faith will keep your dreams alive.
She sent me three emails in a row since I had not read it at that time. Billy once received it, thought that it was one of devitionals he subscribed on. On the next day, when we met up, we realized that she sent us at the same time and we are sure that she is really talking to us! [In case you're confuse who is she … I believe she is a prayer who hears from the Lord] She knows every detail of our problems and always came when things getting so difficult. What a great and living God I serve!
Later on, I discovered that her name is Faith. We corresponded for a while. I considered her as a very mature person in the Lord. She taught me so many wisdoms of God to help me understand His way during our journey. I will only attach some of her letters here 😉
May 29,2012
I am very pleased that Lord Jesus strengthening your faith. I want to pray for you
Dear Lord,
I offer you this prayer, to help Leticia current relationship situation. Please take away all the worries and anxiety in her heart. Fill it with love, joy, patience, and understanding. Bless she and her partner, so that they will never surrender to whatever challenges that come their way.
Fill their hearts with love for each other, and may You make each one of them realize each other's worth. Please touch their heart, fill it with much love for me. Make their complicated relationship become uncomplicated. They seek for Your mercy and blessing that You may allow them to spend the rest of their lives with each other. Please make this feeling mutual for both of them. Lead them not into sexual temptations. Guide them wherever they go. Always put them in each other's heart and mind. Thank you Lord for hearing their prayer. I love you. Amen.
I believe the two of you can continue this relationship until marriage. Keep a holiness and sexual purity in your relationship so you can tell to many people about it, and they could see the glory of God inside your relationship and marriage.
Your partner have a heart that full of love for you and you are the only woman he wants to marry. He is currently in a period of spiritual growth. You may not see clearly the fruit of God is working inside him. But God has His Own way to guide, shape and prepare him to be a pastor too, so that you could be a couple of pastor. Therefore go and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit
Bless you Leticia. I will listen to you whenever you have problem and I want to help to strengthening your faith.
Hope is the last gate of faith.
May 30,2012
Leticia, I do love you and your partner. Your partner is burdened with the problems that exist in your family. But that does not make his love fading to you. He was a cautious person when making a decisions. By deciding want to be with you throughout his life, he has made the boldest choices in his life. He has a great faith that this relationship and your family will be restored by God.
Many men may like you, some of them could love you the way you want to be loved.But only your currently partner who loves and wants to remain faithful to you even though he knows there are so many problems. Look for a partner that has been tested in difficult times. Just as faith must be tested with time & various trials.
Your partner is a person who has a very strong faith. Although sometimes he doubts, he is quick to re-believe in his faith. What he believes with his faith is right, what he was hearing from God is true. He will not survive in this relationship if he did not believe that you are his true love for the rest of his life. You can support him in the process of his spiritual growth. He has a determination, perseverance, and faith. I'm sure that two of you can form a godly relationship and a beautiful marriage that will glorify our Lord.
Bless you Leticia
June 2, 2012
Leticia, When we have received our God-given dream it is time to start the preparation phase. This might take years. Not something we want to hear when we are eager to go! But it is very much needed. Even apostle Paul had years to prepare before his public ministry.
Too many of us give up with the God-given dream because it seems to take too long to come through. We start doubting our sense of call: "Maybe it all was a fluke" or "What was I thinking?" But this is the time when the enemy tries to attack us and distract us from preparations. This is the time when we are tested whether we believe, whether we are faithful in small tasks. This is the time when we need to act in faith. This is the time when we need to restrain from any activity that would undo our preparations.
God put these problems in your family and your relationship because during this waiting period, God still wants to teach you many things for you and for your partner. These things God will not be able to teach it to you when there is no problem in your family and your relationship.
I was impressed with what God did when problems arise in your relationship. God made your mate closer to Him. The Lord opened a new window in his life to become a pastor with you. Your partner is a person who is very confident and have strong faith. It's hard to shake his faith. He is the kind of guy who would just wave the white flag when his dream has been really shut down by God. A few months ago, God has closed one of his big dreams, because if God granted his dream, it is impossible if he wants to become a pastor.
You two really love each other and have a dream to get married. God knows it, but before His children get married, He wanted His children are well prepared. God sees it not a time yet for you two to be together in a normal relationship.
Imagine if there was no problem in your relationship. Your life will probably be happy for a while. You can spend a lot of time together but you guys missed a mission from God. The greatest happiness of a Christian is when they are given a mission by God. This indicates that they are trusted by God.
When God pause or delay something, it is used for your good. God stopped the sun for Joshua so he can lead Gibeon to win the war. It is not Joshua who stop the sun, but God. Because God has a plan and God can pause something in order to fulfill His plan. He use Joshua faith to accomplish His plan.
Are you still with me, Leticia?
Leticia, you are a perfect woman of God. God will use you and your partner to shine like a sun. Your mate is very grateful to have the heart of a woman like you. Sincerity, sacrifice, loyalty and commitment are the values that are very valuable in your heart. Your partner will be faithful to you both in joy and sorrow. You do not have to worry that he will look for another woman just because a problems in your relationship or in your family. He also understands there is something that God wants to teach you.
Leticia, hope is the last gate of faith.
I will reply your partner's email as soon as he marry you.
God's delay is also God's will. He will never delay something unless He has a purpose for it.
Bless you
June 17, 2012
Dear Leticia
The Lord and I are amazed with your strong faith.
The Lord told me, your partner faith is weakened because a statement by his mother. I just wanted to tell you ,that if her mother's statement are words that do not correspond to the word of God, for her statement contain the unwillingness to reconcile. Those words are the words of the devil like. God never taught it. Tell Billy, if such words were temptations of the devil to impose his "unshakeable" faith.
God was pleased with your willingness to keep the holiness in your relationship. Keep it up, every effort that you made to maintain the holiness, God will use it to open a miracle door for your relationship. Look at the fruits of what God is doing at this time in his life. If there is no in your relationship, it is impossible for Billy to bear a fruits of God. .
Leticia, the Lord hardened his mother's heart because there are still things that God wants to do. And more importantly, God knows it is still not a good time to open the miracle door for your relationship.
The delay is not a rejection of God, but His delay is to protecting your relationship from the worst case, and it is an opportunity for God to bear a fruits in your life. Imagine an apple tree that is not illuminated by the sun, could it bear a fruits ? NO. Sometimes the Lord will use anything to hurt you to make you grow and bear fruit.
God always working together effectively. Like the Bible said;
Romans 8:28
And we know that in the All Things God works for the good of Those Who Love him, WHO have been called according to his purpose.
Do you (and Billy) are called according to God's purposes? Yes, so the verse and this promise is for you guys.
God was pleased with what you ask for Billy and his family to love his mother with an extreme love. Leticia, You are children of God as Matthew 5:9 saying. It is your words that must be heard by Billy, not the words of his mother that contains the unwillingness to reconcile.
Remember that many people miss God's best because they give up too soon. You two will be the pastor to be used by God, live by faith and not by fear.
(1 John 4:18)
Love banishes fear.
Be like Joseph who never stopped hoping for release from prison. Every day he hoped the Lord set him free, he never weaken his faith even it took more than 2 years in a prison. Finally, God freed Joseph of Joseph and immediately brought him to a remarkable degree. That is what God will do to you guys, A big rainbow after the storm.
When you're married to Billy, the whole heaven will shout for joy because the Lord delights in His children'smarriage. A Godly prince and A Godly princess. I promise I will be there because I know it will be WONDERFUL.
There are more Faith's letters. I would like to emphasize that once God gives us a promise, He will fulfill it. But in the mean time, there may be troubles which actually are a test of faith. God has stretched my and Billy's faith so much throughout this circumstances. Some people say that when parents disagree about our relationship then the door is closed. For some people it works that way. But for us, since we have received the promise of God, we can know for sure that God is working throughout our difficult circumstances. I know deeply that there will come more tests in the future to stretch out our faith. I guess I should end this post with … to be continued …. 🙂


text:
- Home
- About
- Environmental Management
- Testing & Standards
- Imaging & Information Media
- Store
- PEM2 Datalogger
- PEM2 USB Flash Drive
- Environmental Monitoring Starter Kit
- eClimateNotebook Basic
- eClimateNotebook Basic Plus
- eClimateNotebook Professional
- eClimateNotebook Professional Plus
- A-D Strips
- Care and Identification of 19th-Century Photographic Prints
- IPI's Guide to Sustainable Preservation Practices
- New Tools for Preservation
- Permanent Images: A Personal and Technical Memoir
- Pioneers of Photography Book
- Photographic Negatives Poster
- Ordering Information
- The Atlas of Water Damage on Inkjet-printed Fine Art
- Resources
- Contact
Media Collection Surveys
In addition to maintaining the proper storage environment, monitoring the condition of the materials in your collection is an important part of good collection management.
At an institution's request, IPI will send out a survey team to sample and inspect photograph, cinema, and microfilm collections. Typically, the survey consists of two visits: During the first visit, A-D Strips are placed with a random sampling of the collection for testing; on a subsequent visit, the A-D Strips are retrieved and the condition of the collection materials and their enclosures is evaluated and recorded in detail. IPI analyzes this data and provides the institution with recommendations for practical ways to improve the quality of its storage environment. IPI has performed collection surveys for many major cultural institutions, including the Library of Congress and the U.S. National Archives and Records Administration. For more information, call 585-475-5199 or email: firstname.lastname@example.com.


text:
22q Center
Comprehensive. Coordinated. Compassionate. Every Child With 22q has Unique Needs.
Outcomes for patients with 22q deletion syndrome
Watch Video
22q Center
The 22q Center at Nationwide Children's Hospital provides children and their families, from here and around the world, with access to a multidisciplinary team of expert clinicians who understand these special needs.
Under the joint directorship of Richard E. Kirschner, MD, FACS, FAAP, chief of Plastic and Reconstructive Surgery and speech scientist Adriane Baylis, PhD, CCC-SLP, the 22q Center team provides comprehensive individualized diagnostic and management services in Genetics, Cardiology, Plastic and Reconstructive Surgery, Speech and Language Pathology, Developmental Pediatrics, Immunology, Neuropsychology, Behavioral Health, Audiology, Otolaryngology, Endocrinology, Gastroenterology, Hematology, Neurology, Orthopedics and Psychiatry to patients with 22q Deletion Syndrome.
Our Philosophy of CareThe 22q Center's multidisciplinary team works together with families of children diagnosed with 22q11.2 deletion syndrome to provide diagnosis and early intervention services in order to optimize care and provide the best outcomes for every child.
Our multidisciplinary team consists of individuals who are internationally recognized as leaders in their specialties. We work with closely with each family to develop individualized care plans that allow each child to reach his or her full potential.
Coordinated Care of Children with 22q Deletion SyndromeEach child with 22q11.2 deletion syndrome faces unique challenges. Given the wide spectrum of medical, developmental, and psychological needs of affected patients, optimal treatment requires an individualized and comprehensive approach to evaluation and treatment by a team of experts who understand the unique needs of 22q11.2 deletion syndrome patients.
All new patients evaluated by the 22q Center team undergo thorough pre-visit screening in order to prepare a comprehensive evaluation plan to address their individual needs. The Center's staff coordinates each child's appointments, allowing families to see all necessary specialists in just a few days. Our Welcome Center supports the unique needs of patients and families arriving from out-of-town, including housing, transportation, financial information and other resources. Once all clinical evaluations have been completed, our 22q Center team meets face-to-face in order to develop a coordinated plan of care for each patient.
Our Team
Richard E. Kirschner
Richard Kirschner is the chief of Plastic and Reconstructive Surgery and director of the Cleft Lip and Palate-Craniofacial Center.
Adriane L Baylis
Adriane Baylis, PhD, CCC-SLP is a speech scientist, craniofacial speech pathologist and director of the Velopharyngeal Dysfunction Program.
The 22q Center is on Facebook!
Connect with our team and other Nationwide Children's Hospital patient families.
22q Deletion Syndrome Support Group
We've established a Cleft Lip and Palate Support Group here at the hospital. Sign up if you'd like to be added to the list for more information.
At Nationwide Children's, the plastic surgeon leads an integrated, nationally recognized team of experts that provides a wide range of services, including:
- Cardiology
- Dentistry
- Developmental Pediatrics
- Endocrinology
- Gastroenterology
- Genetics
- Hematology
- Immunology
- Neuropsychology
- Nursing
- Orthodontics
- Otolaryngology (ENT)
- Plastic Surgery
- Psychiatry
- Psychology
- Rheumatology
- Speech-Language Pathology
- Social Work
Our team is actively engaged in clinical research that aims to help professionals and families understand more about the 22q deletion and its impact on affected children. Through such investigative efforts, we will learn how best to care for our patients and how to best help them live healthy and productive lives.
A Healthy You and 22q Conference
Registration Now Open!
September 21, 2019
8 a.m. – 4:30 p.m.
Nationwide Children's Hospital Education Center
700 Children's Drive
Columbus, Ohio 43205
- Friday family dinner
- Educational sessions and small group discussions with 22q Center team members
- Separate sessions designed for teens, school age and young children
- Family luncheon at the conference
- Sunday morning 22q awareness walk and lunch
Inside the 22q Center
Meet Our Team
Our 22q Center team is multidisciplinary and composed of expert clinicians from various specialties.
What to Expect During Your Visit
Learn what to expect before, during and after your 22q Center visit.
Research and Innovation
Our team is actively engaged in clinical research that aims to help professionals and families understand more about the 22q deletion and its impact on affected children.
Support Group Information
We are currently establishing a 22q Deletion Syndrome Support Group here at Nationwide Children's.
Meet Grant
When Grant was born he was in respiratory distress and required immediate medical attention. The neonatal nurses rushed in to save him and then admitted him to the NICU.
More 22q Center
22q Deletion Syndrome: Why Team Care is the Best Care
Children with 22q11.2 deletion syndrome (22q) and related disorders, such as 22q11.2 duplication syndrome, have unique medical, developmental, and behavioral health needs that must be addressed by a variety of specialists beyond the traditional medical care model.
PediaCast 226: All About 22q
Join Dr. Mike for a comprehensive look at the 22q11.2 Deletion Syndrome. Dr Richard Kirschner and Dr Adriane Baylis join us to discuss the nuts and bolts of this common disorder.
What We Wish "Grey's" Knew About 22q
On the latest episode of the medical drama Grey's Anatomy (ABC), a fetal surgeon and her surgical fellow discuss a case in which a pregnant woman has had multiple stillbirths.


text:
by John G.
(Moyock, North Carolina)
Someone had the same question that I have. Can you put tile over a treated wood deck? The answer was yes, (what a relief) but you didn't go into prep detail, just membrane. My plans are using an underlay like durock or hardiboard, but need an exterior grade product for North Carolina humidity. I was also told a non skid membrane would go over that and to use an acrylic (plastic adhesive) no water in the mortar. The porch has been beefed up to hold the load but could you get specific with what goes on top of the treated plywood? Thanks.
Join in and write your own page! It's easy to do. How? Simply click here to return to Flagstone Question.


text:
Prepare For The Lab
Lab location: Hebb, Room 22
- No Sandals or open-toed shoes. You will likely be asked to come back during one of the other APSC 150 tutorials Sept 20-25th.
- Dress appropriately. It should not be a "messy" lab, but you may wish to wear appropriate clothing (some of the hand tools may have some residual grease on them).
- Have your designs fully specified and on hand. You will need to work from the design you created in the last lab to be able to finish this section in a timely manner
1. Build Your Prototype
~1 hr 45 minutes
You have this amount of time to build your prototypes, test them and document your process of iteration.
Should a measurement analysis be required by the professor, this is the time that measurements will be carried out in. Analysis can take place after the lab.
2. Decide on a Final Prototype
-15 minutes
You have this time to clean up your work stations and get together as a group of 8 to compare results.
Only one prototype can come forward to the presentation night so have a discussion and document your decisions!
Supplementary Material
Launcher Rules and Regulations
- Students must only use the materials made available to them in their designs which include (per group of 8):
-8 elastic bands
-1 meter of string
-4 pieces of sheet metal
-1 roll of electric tape
-pop rivets and nuts and bolts
-2 cardboard fast food style "fries" containers
– ~ 20cm of ABS piping and tubing for joints and hinges
-2 corks (the projectiles to be used are cork halves, so each group will have 4)
- The launcher arm must have a mechanism for holding the projectile in a "ready to fire" state without being held by a student. This can be in the form of a quick release, a trigger, a latch etc. (This is one of the most important components to design well)
- The launcher arm must be attached to the robot base when throwing.
- The launcher arm must be able to fire multiple times without breaking.
- The robot cannot be held when throwing. A maximum of one hand can be used to "fire" the projectile.
- If a counter-weight is needed, any material that will not in any other way enhance the design can be used.
- For each elastic added after the first, 2 feet will be taken off of the final measurement.
- If using an electric firing mechanism (no physical touch of the robot when firing), 3 feet will be added to the final measurement.
- Only projectile distance travelled through the air will count in distance measurement.
- The shot for accuracy will be announced on the final day, so it will be necessary to know how to properly adjust your robots for given distances before hand.
Inspirational Material
The first picture is an example of a quick release mechanism. The rest are photos of throwing arms made by volunteers. Note that none of these designs will work as is!
Also feel free to search for Google for inspirational ideas when it comes to design of either the throwing arm or the release mechanism.


text:
A report has been circulating that Google is set to launch an official Gmail app for the iPhone. While Gmail users have always been able to access their messages through Apple's stock Mail app and the Gmail web app, having an official app could fill in some of the holes left by those methods, namely push notifications.
The report says that the app isn't some watered down token effort, but is actually an attractive and cohesive representation of the Gmail experience. It is said to be Google's first native app implementation of their new prioritized focus on simple, spacious design.
Push notifications are currently only possible for the stock iOS Mail app by setting it up as an Exchange account. This works well enough for those who have learned the trick, but most casual users, when prompted, are likely to set it up as a "Gmail" account. That method can only check for new messages, at most, every 15 minutes.
In addition to push notifications, the official app is expected to bring other features like Priority Inbox, easy starring of messages, Google contact pictures, and easy searching.
Whether Apple approves the app or not is another story. The report, however, does state that it's expected to get the thumbs-up. Apple hasn't been known to allow third-party email clients into the App Store, but stranger things have happened. A month or two ago, the developers of Sparrow, the popular Mac email app, said they were preparing an iOS version of their client (though we have yet to see anything else on that front). Apple previously hadn't allowed third-party web browsers on iOS, but started approving those last year.
There was no mention of an iPad version of the app, so if it were launching as well, it would presumably be at a later date.
via M.G. Siegler


text:
this flood light is a popular product of this week and It's expected to be out of stock soon. If you plan to order the flood light. We recommend that you should buy before the products are out of stock. If you would like to purchase it online but you are worried about the price will be reduced. I recommend that you should buy the flood light before it's out of stock. If you would like to own this flood light Now and you have enough money to order it. you should ask yourself, Why do you waiting to order?, If you don't have a great reason, I think you can buy now but you may would like to see any more information before to order.
If you want to order furniture at low prices, I recommend a popular online shop that might be what you would like. Super comfortable for you. I recommend you to click to check price and read more information before to order it. Now online shopping is veru popular. Purchases through the site quite easily. And there are many online shops. Today you can buy the flood light through my recommend online shops. But before you buy your first payment should be compared prices from other online shops. And discover customer reviews from online shop and check on the credibility of online shop.Furniture Delivery Tips & Tricks
|1 star
|2 stars
|3 stars
|4 stars
|5 stars


text:
As an Artistic Agency we are interested in organizing concerts, music shows, recitals, and in taking care of musical components of various events.
We construct unforgettable experiences, perfect down to the smallest detail.
We create extraordinary atmosphere, a default for a great musical feast.
We promote young artists and performers, people who are genuine admirers of Chopin.
We have collaborated with many distinguished artists and made friends with performers of both classical and popular music.
We have organized 800 piano concerts, mostly Chopin concerts, which were held at various venues in Kraków and Zakopane. They have attracted a combined audience of more than ten thousand; many of those people attend concerts every year. Not only the Cracovians count among the regulars, but also tourists and music enthusiasts from all over the world. The gratitude with which they shower us after the shows is the best motivation we could hope for.
Among the events we have organized are:
- Chopin Piano Concerts in the club Pod Gruszką, 2006-2007.
- Chopin Piano Concerts in Hotel Giewont in Zakopane, 2007.
- Chopin Piano Concerts in the Bonerowski Palace, 2007-2016.
- Chopin Piano Concerts in the Palace pod Baranami, 2009-2012.
- Chopin Piano Concerts in the Chopin Gallery, 20014-now.
- Jewish Music Concerts in the house of Helena Rubinstein, 2009-2013.
- Jewish Music Concerts in the Galicia Jewish Museum, 2010-2014
- Jewish Music Concerts in the Klezmer MusicVenue, 2014-now
- Folk music events in Jama Michalika, 2009-now.
- Concerts of classical music, film scores, and tango, in St. Adalbert's Church, Main Square, 2007-now.
- Concerts of classical music, film scores, and tango, in ROYAL CHAMBER ORCHESTRA HALL, 2014-now.


text:
Dress: Metallic Rose Mini Dress by The Kooples
Carissa's white button front dress on E! News Daily Pop
Roppy Minidress by Maje at Nordstrom, $445
Also available at: Saks Fifth Avenue | Bloomingdales
Carissa's brown satin wrap blouse on E! News Daily Pop
Carissa's red ribbed knit dress on E! News
Ribbed Midi Dress by Helmut Lang at Saks Fifth Avenue, $395
Also available at: Bloomingdales | Shopbop
Carissa's black floral dress on E! News Daily Pop
Joyce Dress by Diane von Furstenberg at Shopbop, $243.60 (was $348)
Also available at: Neiman Marcus | DvF
Carissa's grey utility shirtdress on E! News Daily Pop


text:
I'm really not sure when I began the routine (most likely when I began teaching), but for one reason or another I have always put new nail polish on my nails on Sunday night. I do my nails as I work on my lesson plans for the week after the upcoming week. I cannot stand to just sit around doing nothing and waiting for my nails to dry (some days I think I may most likely have ADHD, I just can't sit still). Doing my lesson plans in between polish coats allows me to kill two birds with one stone.
This week I included Baby M in on the routine. Although, I worked on my Blog rather than lesson plans this week because I am not back to work yet. I just love being able to share and do girly things with her. After having 2 little boys (who are ABSOLUTELY the light of my life) it seems so surreal to have someone to share the pleasures of being a girl with. Please don't get me wrong I enjoy spending time with my boys and we do many fun activities together. It's just nice to have someone on my team J
|Today we used Ruby Sequin
Today is not the first time Baby M has had her nails painted. I first painted her nails when she was just 2 days old. My husband found it absolutely hilarious that I did this!
|Just 2 days old having her nails painted for the first time!
She also just had to have festive Christmas nails around the holidays! Painting nails is just one of the many fun activities I will share with my daughter as she grows. I'm looking forward to the day when she is able to select her own colors!
|Christmas nails . . . doesn't this just put you in the holiday spirit?
What activities do you enjoy doing with your children?


text:
Intersection of textile tradition and technological innovation
Textales is a project in the intersection of textile tradition and technological innovation. With the Textales the storytelling through traditional textile and augmented reality fairy tale application is explored. Digital properties extend the textile capabilities and allow the long-lasting textile to change in time to remain interesting for the users. The developed stories demonstrate the possibilities of such storytelling. Textales is rooted in the research about craft values and sustainability. The aim for connecting digital dynamic properties with high quality textile is to extend the longevity of textile products through changing the idea of what textiles can do. Textales shows interactive 3D objects appearing on a woven textile. Scanning the cloth with the application will allow the user to see the flowers rooted in the fabric. By moving or manipulating the surface, the appearing objects move along.
Smart Textile Services
Designing and Selling 'Soft Product' - 'Valuable Service' systems (Smart Textile Services) was about the development of successful methods, platforms, guiding principles and the business models required to understand the multi-disciplinary opportunities and challenges of creating Smart Textile Product Service Systems.
Innovation in the form of the combination of soft materials with high technology has led to the development of so-called Smart Textiles. These are of strategic importance for the European textile industry to sustain their competitive edge and to counter threats from low-labour cost producers.
Smart Textiles can conduct light, heat or currents; i.e. the textile becomes an interactive product and can now become part of larger product service systems (PSS). This opens up a vast field of opportunities for textile developers and product and service designers to combine their disciplines in the application areas of welbeing and life style.
To develop these complex PSS solutions, manufacturers need to move away from their current fragmented, slow or non-existent knowledge exchange methods and team up with relevant partners. Initial investment in this field has led to the design and development of an inspirational test-bed, called 'Wearable Senses' at TU/e.
Teams from 3 universities and Industry partners were working together to answer the questions:
(1) How can the application of user-centred design methods discover, exchange and combine the theoretical principles, strong traditions and best practices within the domain of textile, interactive product and service design?
(2) What are the methods and criteria for the different stakeholders to pass the transitions from the Incubation, Nursery and Adoption phases?
(3) How can the creative industry illicit awareness about the opportunities and challenges of Smart Textile PSS through co-creation and the use of inspirational Test-beds?
Scientific partners: Eindhoven University of Technology, Delft University of Technology, the Design Academy Eindhoven and Saxion University of Applied Sciences;
Industry and Societal partners: Audax Textiel Museum, V2_, Waag Society, Modint, Contact Groep Textiel, Unit040 Ontwerp, Metatronics en De Wever
Related Publications
K.Kuusk, "Crafting sustainable smart textile services", Eindhoven University of Technology, Eindhoven, The Netherlands.
K. Kuusk, S. A. G. Wensveen, O. Tomico, "Craft Qualities Translated From Traditional Crafts to Smart Textile Services" in Studies in Material Thinking, 2016, Vol 14.
K. Kuusk, S. A. G. Wensveen, O. Tomico, "Crafting Qualities in Designing QR-coded Embroidery and Bedtime Stories," in Proceedings of the Art of Research V conference, 26-27 November 2014, Aalto University, School of Arts, Design and Architecture, Helsinki, Finland.
K. Kuusk, O. Tomico and G. R. Langereis, "Bedtime Stories: Weaving Traditions into Digital Technologies" in Proceedings of the Nordic Design Research Conference (NORDES2013), 9-12 June 2013, Copenhagen, Denmark.


text:
Important information concerning credit cards
· Details of cash-back program
· Information concerning chip and contactless feature
· How to interpret credit card statement
Details of cash-back program related to private credit cards
The Bank launched a cash-back program related to private credit cards as a promotion, in this program The Bank reimburses a certain part of the amounts spent with credit card in accordance with the rules described below. This promotional offer is valid until withdrawn.
1. Transactions to be considered in cash-back program:
The Bank calculates reimbursement amounts only for purchase transactions ("Purchase transaction"). Purchase transactions are payments of goods and services made by private credit cards by way of a transaction performed at a merchant's POS terminal, or payments performed by specifying card data via the Internet/phone. Transactions not considered as purchase transactions are: transactions related to betting or gambling performed at a merchant's POS terminal, or performed by specifying card data via the Internet/phone, cash withdrawal transactions, transfers and other transactions related to financial services, and fee and interest debit transactions performed by the Bank on the credit card account.
2. Conditions of cash-back:
- the Bank booked at least three Purchase Transactions in the minimum total value of HUF 20,000 on the credit card account during the relevant settlement period, initiated either by the Primary cardholder or any Secondary cardholder, and
- no late payment of overdue debt is recorded on the relevant credit card account on the settlement date
3. Calculation of the reimbursement amount:
- after each purchase transaction the reimbursement amount is HUF 1 for every HUF 100,
- if the Cardholder performs the purchase transaction on his birthday, then for the Purchase transaction the reimbursement amount is HUF 3 for every HUF 100,
- in the calculation the booked HUF amount of the transaction is taken into account by the Bank.
- Credits booked by the Bank from sources other than transfers, cash desk or ATM cash deposits (e.g. correction of incorrect bookings by posterior crediting) will decrease the total transaction value and number to be taken into account in the calculation of the reimbursement amount for booked transactions within the relevant settlement cycle.
4. Credit of cash-back amount:
the Bank credits to the credit card account the cash-back amount calculated for purchase transactions booked within a specific settlement period on the last day of settlement period, in a single amount, taking into account the following limits:
- if the Primary cardholder's credit card is a UniCredit Orange Credit card, UniCredit Blue Credit card or Fundamenta-UniCredit Credit card, the maximum amount to be credited to the credit card account can be HUF 2,500 in any settlement period.
- if the Primary cardholder's credit card is a UniCredit Gold Credit card or UniCredit Platinum Credit card, the maximum amount to be credited to the credit card account can be HUF 4,000 in any settlement period.
Information related to chip acceptance and contactless payment
The Bank issues credit cards with chip and contactless feature from 26th of July 2015.
Information related to replacement of credit cards - issued before 26th of July 2016 - and about its conditions is available in the prevailing List of Conditions.
Chip acceptance: in case of payment with chip it is required to authorize the transaction with PIN code irrespective of the purchase amount.
You can read more about contactless payment here.
How to interpret credit card statement
Check your statement
Always check your credit card account statement sent by the bank, and indicate it to our bank if you notice any spending that were not initiated by you, or the holder of supplementary card. If you have any question concerning the statement, please call UniCredit Telephone Banking service (phone number +36 1 325 3200), which is available every day of the week in 24 hours.
If you have not received the statement
Your statement is made after the closing of settlement period. Please call UniCredit Telephone Banking service (phone number: +36 1 325 3200) if you have not received the statement delivered by post within 8 days from the closing date of settlement period.
Lost/stolen credit card
If you have lost your credit card or it has been stolen, block it immediately with our Telephone Banking service by calling +36 1 325 3200.
Fees and commisions shall be charged according to the Credit Card Contract and the prevailing List of Conditions. The bank discloses provisions of interest calculation in Bank Cards Term and Conditions.
You can repay the used credit line in the way that is suitable for you choosing from the following possibilities:
- by transfer from a bank account held with a different bank,
- by transfer between your own accounts held with UniCredit Bank,
- by automatic repayment from a bank accounts held with UniCredit Bank,
- by cash payment at any of the branch offices of UniCredit Bank,
- by cash payment through a UniCredit ATM.
The period for which the Bank shall send monthly credit card statements to the Card Holder. The last day of the settlement period (hereinafter: "Settlement Date") is the same calendar day in each month. If in a given month the Settlement Date is a bank holiday, the day immediately preceding the bank holiday shall be the Settlement Date.
The last day of settlement period when the statement is generated. Date of statement generation is the same calendar day in each month, if in a given month the date is a bank holiday, the day immediately preceding the bank holiday shall be the date of generation.
A maximum limit set by the bank following an assessment procedure which shall serve as financial coverage for the transactions completed using the credit card(s) (main and/or supplementary card) as well as related fees, costs and interests charged by the bank.
Amount available for the cardholders at the time of statement generation, which is calculated using the following method:
Total credit limit- closing balance=Available credit limit
The available credit limit credit does not include the amount of transactions which have been approved by the end of the settlement period – i.e. the date of preparing the credit card transaction statement – but have not been accounted for yet.
The amount calculated according to the contractual obligations and relevant provisions of prevailing List of Conditions. The credit card account must be credited with the amount payable between the first and the last day of the grace period. If the minimum amount is not repaid in the grace period, the main card holder fails to perform his/her payment obligation and the late payment shall have consequences according to the contract provisions.
It is the last day of the grace period defined in the List of Conditions by which the amount due shall be credited on the credit card account. If the last day of the grace period is a bank holiday, the first bank business day immediately following the bank holiday shall be considered the last day of the grace period. Benefit of the credit card account is the date of receipt if received by 18.30 by the bank, otherwise it is the next bank business day.
it contains the following information concerning credit card transaction:
- type of the transaction (purchase, cash withdrawal, fee charge, interest charge)
- merchant's name
- location (city)
- date of transaction
- in case of foreign transaction: original amount of the transaction, settlement amount forwarded by Internatinal Bank Card Organisations, exchange rate of the bank which was used during conversion
The amount equals with the amount of closing balance of preceding settlement period.
The sum of credited amount, which were booked to your credit card account during the settlement period.
The amount used by the cardholders out of the available credit line and booked on the account during the current settlement period, including the costs of transactions completed, the interests and fees as well as the amount of all interests and fees of previous transactions which have not been paid yet.
The amount of opening balance which is increased by the sum of debit transactions (+) and decreased by the sum of credit transactions (-). Closing balance is the amount of total outstanding dept calculated on the last day of settlement period.
Closing balance is expressed to two decimal places by the Bank on the statement. If the account owner intend to repay the total dept, in this case the amount to be repaid (total amount of closing balance) must be rounded up.
Arrange your banking quickly and conveniently through Telephone Banking. You don't have to fit in with the opening hours of the branches or stand in queues, since you can use our wide range of banking services over the phone.
You can feel safer when using your bankcard if you choose our text message (SMS) service, since this way you can be notified of each card transaction almost immediately. You can request a text message notification in respect of your credit card and credit card account. You can monitor secondary card spending, too.
Nowadays you can arrange almost anything on the Internet, so choose this convenient solution for your banking transactions, too! You can access your bank account easily or you can launch transactions without entering the branch, in your home, on the road or from abroad. You can do this quickly and safely with the Internet Banking service.
- Information on credit card settlement account (granted limit, transaction details; automatic repayment services, loan repayment protection insurance, and settings of SMS services etc.)
- Information on credit cards (information on card usage limits; transaction details; settings of the SMS service, etc.)
- Information on the last accounting period (closing balance; minimum amount of repayment; due date of repayment ; booked transactions, etc.)
Personal relationship with our advisors
If you wish to ask for information personally or you wish to apply for a supplementary credit card, please contact our advisors at one of the branch of our nationwide network , and our colleagues will help you.


text:
- Personalized design and various colors, choose the one fits you most
- UV Protection and clear vision
- Perfect for outdoor activities such as traveling, running, cycling, driving, etc.
- Perfect gift for your loved one! Do not miss it!
Gender: For Unisex
Style: Fashion
Shape: Round
Lens material: Polycarbonate
Frame material: PC
Lens height: 4.9CM
Lens width: 5.2CM
Temple Length: 13.8CM
Nose: 2.1CM
Frame Length: 14.5CM
Weight: 0.0800kg
Package: 1 x Sunglasses


text:
Pre-1900 Dates in Excel
Q: I have an Excel spreadsheet that has a number of date entries, many of them prior to 1900. After noticing that Excel treats any date prior to 1900 as text rather than a date, I chased down a TechNet article that says Excel cannot handle those dates as date fields. I'm using Microsoft Office 2003 Excel, SP2. Is there anything I can do to use dates prior to 1900, sort them and so on? David Dale
A: As you've discovered, dates before 1900 don't exist in Excel's world. Date values in Excel are expressed as the number of days counting from the beginning of 1900, and negative values aren't allowed. If all you need to do is sort by date, you can get by with reformatting your dates into yyyy/mm/dd format. For example, July 4, 1776, would be 17760704. But if you need to actually perform calculations using these dates, you've got a bigger problem than can be solved by changing the format.
Microsoft offers a complex macro online that will calculate a person's age from pre-1900 birth and death dates (support.microsoft.com/?kbid=245104). If that's all you're after, you can copy that macro and paste it into your workbook. For more power and flexibility, try the free extended date add-in from John Walkenbach's spreadsheet site (j-walk.com/ss/excel/files/xdate.htm). In addition to calculating age, it includes functions to calculate the difference in days between two dates; extract the month, day, or year from a pre-1900 date; get the day of the week, and more. Watch out if you use dates before 1752, though, as you may run into problems because of the lack of a standard calendar before then.


text:
'My Computer' icon at top left part of desktop screen has been very important part of Windows. Unfortunately, by default this icon is missing from the desktop on new Windows 8 operating system. You can easily restore and display 'My Computer' icon on Windows 8 desktop screen. Also, you have option to add 'My Computer' tile to metro user interface of Windows 8 operating system for even quicker access.
Show 'My Computer icon on Windows 8 desktop
1. On your Windows 8 computer, right click on the desktop screen and then click Personalize option. This will open 'Personalization' window on the screen.
2. Click on 'Change Desktop Icons' option at top left part of Personalization window. This will open 'Desktop Icons settings' window.
3. Click to check (with tick) 'Computer' option. Then click on Apply and OK button. Now you should see 'Computer' icon at top left part of the desktop screen. Easy, isn't it?
Add 'My Computer' tile to Windows 8 metro start screen
1. First add 'Computer' icon to desktop screen using above procedure. Once it is added, right click on 'Computer' icon and then click 'pin to start' option.
2. Now press Win key to toggle to metro user interface. You should see 'Computer' tile on the metro start screen.
From now on, you can quickly open 'My Computer' window using either desktop icon or 'Computer' title on metro start screen.