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Archive for the 'travel' Category
August 15th, 2014 at 11:25 am
Planning A Staycation
A great way to save on vacations all year long is going on a "staycation." A staycation is when you stay in your own town or somewhere closeby to have your family vacation. This cuts costs by eliminating the need for expensive airline tickets and hotel stays. Plus, you get to sleep in your own, comfortable bed! Staycations can also be quick overnights that don't require extensive stays at a hotel or resort.
Visit local museums
Try Geocaching
Go to the movies or a play
Visit a nearby zoo, aquarium, or amusement park
Rent a boat or other water sports items
Take a hike or bike ride
Go fishing
Go to a sporting event
Go camping
Go mini golfing, go karting or other fun things you would do on vacation
Eat out and try some new places
The most important part is to RELAX just like you are on vacation. Let chores go for the week, put away the computer, and put down the phone! Take time to reconnect with your kids and spouse so you can laugh and talk and create memories! Be sure to get the camera out and document all the fun you have!
July 1st, 2014 at 12:26 pm
Book Not-To-Miss Vacation Excursions on Peek
Getting ready for a vacation? There are lots of easy ways to book flights, hotels and rental cars online, but what about booking the things that make the trip truly memorable? What are the best things to do and how do you get them arranged ahead of time? Try peek.com.
Peek is a new site that makes it easy for you to see what great fun activities and excursions are popular at your destination and lets you reserve your tickets before you leave home.
Walking tours, water sports, museums and sporting activities are just some of the options you can explore and decide on while planning your trip. There are also testimonials from well known folks and Peek community members on how they love to spend their time at places like Washington DC, Cape Cod, New York, Cancun and Orlando.
Tired of the beach, the pool or the theme park? Perhaps there's something you've never done before that would be a thrill to try. Ziplining? Kayaking? Ghost tours? Activities like these could make it your best vacation ever. I recently spent a day off in Austin and I can testify that my Bridge Bat kayaking tour was the absolute coolest thing I did. Who knew?
Peek is fairly new so the content isn't as comprehensive as it will be over time, but if your destination is there, it's an excellent way to get the inside scoop on the best things to do so you can come back refreshed and rejuvenated. And hopefully with some really good stories to tell.
Download the IOS app here. Can't wait for the Android app.
June 17th, 2014 at 9:38 am
Find and Share Your Favorite Places with Findery
There are a lot of ways to share your good times on social media. Facebook, Twitter, Foursquare, and Yelp are just a few places where you can post your favorite places and where the action is.
Findery is a new app that wants to take location/social relationship to a different level. Rather than just look at the menu items people like or the photos and comments about places traveled to, Findery wants to collect input about everything from the reason why a park, or park bench, is worth stopping at, or what that funky building is on the corner where you are.
This app is a collection of stories. Imagine if lots of people shared their personal impression or recollection of a place, so that you can know the real story. What was there once? What notable thing happened there? Or why you should stop and have a look rather than walking by.
Findery is new, so it's still building the database of places. However, the idea of not just getting a picture of a place, but a note with the factoids that bring it to life, makes this a much more interesting app.
Findery is available as an iPhone or web app – the Android app is on its way. When you join, you can create, follow, or just explore your neighborhood or where you're going to visit. As a frequent traveler, I love the idea of being able to find out, on a personal level, what makes a place interesting or worth visiting. And what not to miss, especially if it's a little bit odd or off the beaten path.
June 3rd, 2014 at 10:26 am
Sanity Saving Road Trip Apps
Planning a car trip this summer? Kids in the car for any longer than an hour (or maybe less) is enough to make you panic just thinking about it. Here are some apps that can help you keep them occupied and give you some peace of mind.
Kids just want to have fun. Mom Maps app (free on Android, $2.99 iPhone) will provide you with all the kid-friendly places near where you are. Play spaces and kid restaurants are easy to find with this app.
Road Ninja is a free app that will help you find rest areas, restaurants and interesting places to stop along the way.
Some iPhone/iPad games to play along the way include Auto Bingo , Car Travel Games and Road Trip Scavenger Hunt ($0.99).
And for Android, try Road Trip Games, and Scavenger Hunt Bingo.
For the younger ones, there's also the Garanimals Learn, Play, Share app…education and fun in one!
Having these apps at the ready will help ensure that your trip time goes a little more smoothly. And while they won't guarantee that you won't have some surprises or misadventures along the way, they will hopefully keep the whining to a dull roar.
Happy travels!
January 27th, 2014 at 12:15 pm
Packing for Children
Packing for children isn't that hard if you are organized. You simply need to face the fact that kids need a lot of stuff and will require your extremely efficient packing skills.
First, you need to go to this site and check out these incredible packing lists. There are lists for packing with children and adults in different circumstances. This is a great way to start before you have even packed an item.
I also wanted to share some of my thoughts on what to bring or not bring and things to think about.
Bathing Suits - If you are going someone where a bathing suit is involved , you truly need more than one per person. Hanging them on the shower curtain rod overnight just doesn't dry them fast enough. With boys, you can always use trunks as a pair of shorts if needed too!
Washer & Dryer - Lots of people stay in condos that have washer and dryers available. If you will have access to these, take this into account when packing. No one wants to do laundry while on vacation, but it saves a lot of packing room if you do a quick load part way through your trip!
Toys - think about what toys give you the most bang. What will keep the kids attention the longest. My boys have always adored our tablets and phones. These can be a life saver in a airplane ride. Purchase some new games and that will be even more exciting for them! If you are going to visit the beach and want beach toys, visit the local dollar store once you get there to buy some. Leave them with another family on the beach on your last day!
Baby items - leave the jumper, high chair and more at home. A trip may mean more mommy holding time for the baby, but saves you from the gazillion things that you use on a daily basis.
What are your packing tips for traveling with children?
Kim Ross also writes at A Little Bit of This and That ~ The Adventures of a Stay at Home Mom.
August 5th, 2013 at 8:26 am
Car Seat Safety
The car seat is one of the most confusing things I have experienced with my children. I have constantly questioned:
- Are they in right?
- Should my child move to the next type of car seat?
- Where should the seat belt actually be worn?
It may be confusing, but is one of the most important items we purchase as parents. I want to give you some general guidelines on what type of car seat is most appropriate for your child. Be sure to always check the information on the actual seat to determine if that seat is still a good choice for your child.
- Car seats expire, so be sure to check for the expiration date in the user guide.
- Car seats are junk after they take part in a moderate or severe crash. Most insurance policies will pay for car seat replacement when an accident occurs.
- Do not put anything under or behind an infant unless it came with the seat or was made by the manufacturer of the seat.
- Winter coats and snowsuits can increase injury in infants in a crash. It is a safer choice to tuck blankets over the harness straps.
- Do not purchase safety seats second-hand. You never know the history or expiration. The integrity of the seat diminishes in crashes and can make the seat unsafe.
- Look for places that will help you install your seat. Check with your local fire or police station or the following websites:
- NHTSA (or call NHTSA Vehicle Safety Hotline at 888/327-4236)
- SeatCheck (or call 866/SEATCHECK [866/732-8243])
- National Child Passenger Safety Certified Technicians (or call 877/366-8154) This site provides information in Spanish and also provides a list of CPS technicians with enhanced training in protection of children with special needs.
Most importantly – Make sure anyone transporting your child is using the same guidelines you use!
Kim Ross also writes at A Little Bit of This and That ~ The Adventures of a Stay at Home Mom.
April 23rd, 2013 at 12:07 pm
WAZE – GPS Only Better
Imagine having an app that gives you the shortest route to take on the way to your destination. Of course, we have GPS for that. Now imagine a network of people checking in to let you know what the traffic conditions are on that route, right now, as you head out.
That sounds pretty good to me. And that's the idea behind the Social GPS app called Waze.
Face it, depending on where you live and travel to, getting there can really test your patience. Construction, accidents and everyday volume can make it more like a nightmare. Waze aims to bring some light into that dark place called the daily commute.
Simply check into the Waze app on your smartphone or tablet and input your destination. It works like any GPS navigation device but takes it to the next level.
With the Waze app open as you drive, your progress, or lack thereof, will be captured (anonymously) along with that of the other Wazers. The result is a crowdsourced traffic feed that lets you know where the pain points are. If there's a problem, the Waze navigator will suggest an alternate route and tell you how to get to it. How helpful is that?
There are other features to the app that make it even more useful. You can use the Report menu to select preset reasons for the slowdown, be it an accident, police activity, construction or just heavy volume to let the other Wazers know why it's taking so long. This can help you decide whether to re-route (construction) or wait it out (accident being cleared). You can even submit a picture of the issue. Genius. No more sitting there wondering WHY you're just sitting there!
Another nifty feature allows you to check the gas stations along the way and compare prices. Love that! And if you use the app with Facebook, Twitter or Foursquare, you can coordinate with your friends on arrival times. For a quick demo video, click here.
If you thought your current GPS was good, Waze brings in the social functions and takes it up a notch or three. Now, if it could only do the driving for you. Don't laugh, that feature isn't so far fetched anymore.
You can also find Paula on LinkedIn, Facebook and Twitter @techsmart319. Feel free to reach out if you have questions.
April 19th, 2013 at 12:25 pm
Entertaining Kids on a Road Trip
Any road trip with children can be interesting, to say the least. The endless cries of "Are we there yet?" are almost as fun as a screaming infant or toddler that has just had enough! Here are a few ideas to make the road trip a little easier.
Movies – What did people do before there was access to watch things in the car? Plus, if you don't have a tv in your car, it is easy enough to watch on your tablet or phone. Too much of this can't be a good thing, though. Make sure you save this for down time so it doesn't lose it entertainment value.
Electronic Games – My kids love to play games in the car on their devices. Make sure to load their Leap pad, DS or other game system and favorite games for the road trip. On our last trip I found that headphones are a must!
License Plate - Print out a sheet of paper with all the states on it. As kids see a license plate they can cross off that state. If you are taking a long road trip see who can find the most!
Toy Bribes - Pack a special toy or activity for every hour of the trip. If they behave they get to open the next surprise. This is great with small cars, a new coloring book, or even small doll they can play with.
Doodling Fun - What's better than some art fun? Make sure to bring some crayons and paper or go paperless with a Magna Doodle, Etch a Sketch, or Dry Erase Board.
Cameras - Pack disposable cameras for your kids to document their journey along the way. My boys like to use an Ipod to take pictures and video and it is great fun to watch what they do after the trip!
Snacks - Never leave home without your kids favorite snacks!
Audio Books- Pick out a story to listen to on the vehicle's radio or alone. This is a great way to listen to new stories that can take up a good portion of the trip!
Make a Roadtrip Binder – Fill with worksheets that your kids can work on. There are ones for older kids, also.
Magnetic Travel Activity - If you are crafty this is a great way for little boys o play with their cars and trucks during travel.
These activities just might make you hear a few less "Are we there yet?"
Kim Ross also writes at A Little Bit of This and That ~ The Adventures of a Stay at Home Mom.
January 18th, 2013 at 8:30 am
Planning a Family Vacation
I don't know about you, but I desperately need a family vacation right about now! Between the craziness of raising kids, the holidays, and the dead of winter in Wisconsin I could go for something warm and relaxing. The task can seem overwhelming though. All the planning, packing, and decision-making sometimes makes a family vacation seem not as much fun as you anticipate. I guarantee it will be fun once you go through with a little organization up front.
First, you want to decide where you are going. Is this a Staycation, or do you want to go on a big trip? This also depends upon budget and how long of a vacation you are taking. If it is just a weekend, you may want to stay closer to home; but for a week, you can definitely travel cross-country. Part of this is deciding the travel arrangements –car, train, airplane, boat? During this time of year, we usually take an extended weekend to a waterpark; a great way to getaway from home.
The next big part of planning the trip is deciding the details. Where will you stay or eat? What exciting activities are in store? I like to narrow these down. I've tried to figure it out when we got there, but with kids that doesn't always work so well. When they are hungry, there isn't a lot of time to wait; in my family that leads to meltdowns! So, what I do is create a list of options for restaurants with a few extras in case one isn't what we expected. In this digital age, it is so easy to really delve into what restaurants and activities will work for your family. I usually call myself the "Cruise Director" and have a list of possible activities for each day. This takes the stress off me and lessens decisions that need to be made during the vacation. That means more relaxing for Mom!
Now everything should be pretty much planned! You would think we are onto the fun part, but now comes the packing! Depending upon how big your family is, this could be a hefty task. Gone are the carefree days of throwing a couple of things in a bag and having a weekend away. Now I need to tote teddy bears, sound machines and extra clothes in case of accidents. This step takes as much preparation as the others. I like to start a list a week before I am going to start packing. I write down everything I think I may need. I go over this list every day because I can guarantee as the week goes on I will add a few things (sometimes really important ones) and take a few things away. As that week passes I also think about bags that are needed and have time for shopping for last minute items.
Once the list is done I start to gather. My bed usually becomes suitcase central. Luckily, my husband goes on a lot of business trips so I let him pack himself, but always remember to ask him if he has certain items (like swim trunks) that he would typically forget! I like to involve the boys as much as I can, having them retrieve things or pick out their favorite clothes to wear. Packing can be a big task, but I feel like it starts to get you excited to go.
Then you are set! Well, as long as you thought about your pets, if you need anyone to watch the house or collect the mail too! These are important details that can be forgotten! Trust me! Last fall, when we went for a weekend I almost forgot to make arrangements for the dog, which led to a 2 hour vet appointment to update shots. Don't ask!
Once you leave your house, make it fun! Vacation starts on that first step out the door!
Are you going on a fun family vacation anywhere?
Kim Ross also writes at A Little Bit of This and That ~ The Adventures of a Stay at Home Mom.
December 19th, 2012 at 5:00 am
Holiday Travel with Kids
By Amy
Whether you're driving to the next state or flying across the country, holiday travel is just plain stressful, particularly when you're traveling with kids. Here are some tips to help make your trip less taxing:
Be sure to arrive at the airport with plenty of time to spare – at least two to three hours in advance. Print your boarding passes at home to save even more time. Just go to your airline's website – and make sure you don't pack too much as to incur extra luggage fees. It may be cheaper to ship gifts a week ahead of time. Finally, if you have an active toddler, it's best to wait until the last minute to board – this is a great way to avoid a restless meltdown.
Make sure your car is ready and safe for travel before you leave, and be prepared for any weather conditions with supplies such as shovels, blankets and flashlights. For the younger kids, have them pack their own toys and books to prevent boredom on the trip and be sure to make rest stops if your trip is going to be longer than two hours. If you don't have a portable DVD player, now is a great time to invest in one to bring on your trip along with the kids' favorite movies.
No matter what your means of travel…
Make sure you pack plenty of small snacks (pretzels, string cheese, Cheerios) and water for your kids. And some snacks for the adults is not a bad idea either… you will surely need to keep up your strength.
Also, be sure to involve the whole family in the trip-planning process. Have the older kids help find things to do around your destination, it keeps them busy while you are packing and makes them feel part of the planning. You can even have them help pack… if you have the patience and a lot of time. Give them things to do to feel as if they are contributing and also make them feel more secure about uprooting their lives for a short period of time.
Share any of your stress-reducing travel tips in the comments. Happy travels!


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Okay, let's be fair to him – Sylvester Stallone has tried to do the indie thing... He gave us his best Brando in Copland and shame on all of us, we weren't that interested. So, with a free bus pass in the post, he's decided to get back to what he does best… kickin' some bee-hind!
Rambo IV: In The Serpent's Eye is set to slide into production as early as January next year, working from a script scribbled by Sly himself. Production Weekly managed to nab the low-down on the next adventure for the shaggy-maned Vietnam vet.
The tale sees John J quietly tucked away in Bangkok, fixing old boats and no doubt muttering 'my war is over' whenever anyone so much as asks him for change of a ten baht note.
Then, when a load of aid workers are kidnapped in Burma, someone needs to lead the group of mercenaries in to get them out… go on, guess who steps up – we'll give you three guesses…
Source: ( Production Weekly )

subset: commoncrawl


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2018 has been the year of the hack. The problem, so was 2017, 2016, and so on… Marriott International has announced that they have had what could be the second largest data leak in history. They are saying that they are responsible for a data breach that leaked some 500 million records over a five-year span.
The hotel chain, which includes all St. Regis, Westin, Sheraton, and W Hotel properties, were all managed by Marriott International's Starwood reservation system. This system has been compromised since 2014, the multinational hotel conglomerate announced at the end of November. This gave hackers five years to cherry pick names, phone numbers, email addresses, passport numbers, dates of birth, and arrival and departure information for nearly 327 million people. In some cases, credit card numbers and expiration dates were compromised.
Even though it has been a rough few years for corporations of all types, this breach is larger than the 2017 breach of Equifax and only smaller than the 2013 breach of Yahoo that affected some three billion users. Unlike those other companies, Marriott International came clean right as they found out instead of sitting on the information like Equifax and Yahoo did.
How Can You Protect Yourself?
Marriott began rolling out the notification emails to impacted customers on the Friday after the hack was discovered and has established a call center and notification website that has been updated frequently (last entry was December 22). The company seems to be operating with the assumption that every Starwood's customer has been impacted in some way. Additionally, the company is offering enrollment in the identity monitoring service WebWatcher for one year to anyone that thinks he/she may have been impacted. This service will alert you if your likeness is found online, including on the dark web. To protect yourself further, you'll want to:
Following these four best practices will go a long way toward protecting yourself against further damage. If you have been the victim of a data breach in the past, you know that you need to be diligent about ensuring your personal information is protected.
For more information about the best practices to keep your data and information safe, return to our blog regularly.


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Jumbo Cashews - Salted, Honey Toasted Or Chocolate Covered - Honey Toasted
In Stock!
Huge, crunchy cashews are always a hit! Great for parties, gifting or as a treat for yourself, our 18 oz. tin of Salted Jumbo Cashews are the largest and best-tasting we've found. They're perfectly cooked and slightly salted to enhance their naturally delicious flavor.
Try a twist with these flavored favorites: our Honey Toasted Cashews are cooked with butter, salt, sugar and honey for an amazing sugary-salty-crunchy taste; 18 oz. Our Chocolate-Covered Cashews are coated in a thick blanket of creamy milk chocolate; 20 oz.
Perfect for gifting, these tins of cashews are vacuum-packed for freshness and long-lasting crunch.
- Crunchy, delicious giant cashews in a stay-fresh tin
- A holiday favorite – great for parties
- A thoughtful gift or a special treat for yourself
- Available in classic Salted, sweet Honey Toasted or decadent Chocolate Covered
- A gifting tradition, perfect for the holidays
18 oz.
Salted and Honey Toasted 18 oz.
Chocolate Covered 20 oz.
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15 Movies Your Fave 'Walking Dead' Actors Also Had Starring Roles In That'll Leave You Totally Surprised
The Walking Dead's cast has changed over the years, and many of the actors have become famous from their roles. With the success and intense fandom that the stars have experienced, it's easy to forget that many of them have also been in pretty big films over the years. There are plenty of movies starring Walking Dead actors worth checking out, ranging from romantic comedies to action-packed flicks. And as you're missing the zombie-filled show, these movies will help fill that void until the next season comes around.
Many people know that Walking Dead star Andrew Lincoln was the "to me you are perfect" guy from Love Actually, but you might not realize that the rest of the cast has played some iconic roles, too. Before being known to the world as Daryl, for instance, Norman Reedus had a starring role in cult classic Boondock Saints fighting a different kind of evil. Then there's Jeffrey Dean Morgan, who before playing Negan, the Walking Dead antagonist everyone loves to hate, was a huge softie in the romantic movie P.S. I Love You.
With the show's Season 8 recently ending, now's the perfect time to check out these 15 movies starring the Walking Dead cast, including some classics worth re-watching and some you might've missed.
1. 'Love Actually'
This was Andrew Lincoln's first major role before he started fighting zombies. It has been spoofed by everyone, including SNL.
2. 'Black Panther'
Danai Gurira isn't just a badass on The Walking Dead. She also is a bonafide hero in Black Panther as Okoye. Marvel fans who are awaiting Avengers: Infinity War will be happy to know she makes an appearance in the upcoming movie.
3. 'Boondock Saints'
Norman Reedus has been typecast in various action-packed gritty roles, so it makes perfect sense that he'd have his first big role in Boondock Saints, fighting evil.
4. 'Twilight'
Before joining the Walking Dead cast, Christian Serratos was known as Ned's crush on Ned's Declassified School Survival Guide. But to Twilight fans, she was also Angela, one of Bella's few mortal friends.
5. 'Okja'
If you're missing Glenn on Walking Dead, you should definitely watch Okja. Steven Yeun plays an animal-rights activist who serves as translator between Mija and the activist group ALF and plays a key role in Mija's journey to find Okja.
6. 'American Gangster'
Besides Boondock Saints, Norman Reedus was also in American Gangster.
7. 'The Wolf Of Wall Street'
Shane was a character everyone passionately hated, so it's no surprise that Jon Bernthal also played a similar character in Wolf of Wall Street.
8. 'Snatch'
Before Walking Dead, Lennie James (Morgan) was in tons of big Hollywood movies. One of the most memorable roles was in Snatch as Sol.
9. 'Terminator 2'
You've probably watched Terminator 2 a few times by now, but did you know that Xander Berkeley (Gregory) was in the movie? He plays John Connor's incompetent foster dad.
10. 'Baby Driver'
Baby Driver has an amazing cast, so it's no surprise that it'd also include someone from Walking Dead. Jon Bernthal plays Griff, a character in a similar vein to his other roles.
11. 'P.S. I Love You'
Before becoming a villain in The Walking Dead, Morgan had some pretty wholesome, heartwarming roles. You might recognize him as Denny Duquette from Grey's Anatomy, who had an incredibly heartbreaking death. His P.S. I Love You role follows a similar story, with him dying and setting everything up so his wife Holly can move on and find love again while being reminded of how much he cared about her.
12. 'Blade Runner 2019'
If you haven't watched the latest Blade Runner movie, maybe learning that Lennie James (Morgan) is in it will change your mind.
13. 'The Day After Tomorrow'
The Day After Tomorrow is one of those early 2000s movies that you probably recognize the name of but had completely forgotten it existed. It might be time to revisit it, considering Austin Nichols (Spencer) is in it.
14. 'Glory Road'
Austin Nichols was also in the basketball drama Glory Road, based on the true story of the 1966 NCAA University Division Basketball Championship.
15. 'Apollo 13'
Apollo 13 is a classic. If you haven't had the opportunity to watch it yet, you should, considering Xander Berkeley's in it.
If you can't wait for Season 9, make sure you watch these movies in the meantime.


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50 Days to go
50 days to go until 2018 International Double Header
Wigan face Souths and Hull take on the Dragons at ANZ Stadium on Saturday 17 February
- Wigan to play in Wollongong and Sydney in February 2018
It's now just 50 days to go until the international double header at ANZ Stadium.
The Warriors will face South Sydney Rabbitohs and Hull FC take on St George Illawarra Dragons in an historic International Double Header at ANZ Stadium, Sydney on Saturday 17 February.
The Warriors will create history in 2018 when they become the first Super League team to host a game outside of Europe when they take on Hull FC at WIN Stadium, Wollongong on Saturday 10 February.
Whilst in Australia for the Rugby League World Cup, Warriors and England Skipper, Sean O'Loughlin spoke about the double header. He said: "We've something similar in the UK with Magic Weekend but it will be great for two Super League teams to go up against two NRL teams on the same day at the same stadium."
On facing the Rabbitohs, O'Louglin said: "We played against the Roosters a few years ago and trained with Souths then and had a bit of an opposed sessions against them. The teams have changed a bit since then but there's still a few of the same faces in there like the Burgess boys and Greg Inglis.
"There's some players in there that we know about and I'm really looking forward to it, it's going to be a great occasion."
Wigan and Rugby League fans can find all of the information they require about the Club's 2018 NSW tour simply by visiting www.wiganwarriors.com/nsw-tour.
Tickets for the games in New South Wales are on general sale. For full details CLICK HERE.
Official tours from Shearings are now available with details available HERE.
The Wigan Warriors and Hull F.C games in Wollongong and Sydney have been secured exclusively by the NSW Government via its tourism and major events agency, Destination NSW, in partnership with Destination Wollongong.


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A Different Kind of Direct Sale: Direct-to-Consumer Genetic Test
October 21, 2010 Leave a comment
What is Direct-to-Consumer Genetic Test?
According to the National Institutes of Health's (NIH) Genetics Home Reference website, direct-to-consumer (DTC) genetic test involves a direct to consumer marketing and sales tactics that bypass the engagement of the health care professionals such as medical doctors, nurse practitioners, or genetic counselors. In general, consumers order test kits online or through mail, and send in requested samples back to companies; then the test results are sent directly to consumers with minimal consultation and interpretation from health care professionals.
Personalized Medicine Fuels The Development of The DTC Genetic Tests
When the alliance between the NIH-sponsored laboratories and Celera Genomics jointly announced the completion of sequencing the draft of the human genome in 2000, many have predicted the coming era of "personalized medicine". The idea is to develop and prescribe a treatment plan or drug based on the information encoding in each individual's genome. As a result, personalized medicine tailors individual's intrinsic differences to improve diagnostics and treatment of diseases. With the advancement of faster and less expensive DNA sequencing platforms, getting DNA information is easier than ever. In a sense, the growing numbers of the DTC genetic test products are likely inspired by personalized medicine, a Holy Grail of future medicine.
Who Jumps on The Bandwagon of The DTC Genetic Test
It is a fast-growing market place for at home DTC genetic test that comes with garden varieties of selection. Tests include risk evaluation of diseases like Parkinson, Alzheimer's, asthma, breast cancer, diabetes, gluten sensitivity, ancestry tracing, drug responsivity, and whole genome scan, etc. So far, there are 20 companies receiving the FDA's letters concerning their genetic test kits as medical "devices" that require data-driven regulatory review and postmarket monitor.
- 23andMe—Personal Genome Service
- Pathway Genomics—Genetic Health Report
- deCODE Genetics—deCODEme complete scan
- Navigenics—Navigenics Health Compass
- Illumina—Illumina Infinium HumanHap550 Array
- Knowme—KnowmeCOMPLETE (no website found)
- Graceful Earth—Graceful Earth Alzheimer's Test
- SeqWright—Genomic profiling service
- Interleukin Genetics—Inherent health
- DNATraits—Ashkenazi Jews Genetic Disease Panel
- CyGene Direct—Metabolic Health Assessment DNA Analysis Test
- Consumer Genetics—AsthmaGEN DNA Test
- Matrix Genomics—Matrix Genomics Breast Cancer Panel
- The Genetic Testing Laboratories—DNA predisposition test
- Sequenom—SEQureDx
- EnteroLab Reference Laboratory—gluten sensitivity/celiac sprue
- BioMarker Pharmaceuticals—Gene Essence (no website found)
- DNA Dimensions—predisposition DNA test (no service found on its website)
- HealthCheckUSA—Celiac disease DNA test (no service found on its website)
- easyDNA—Genetic predisposition health test
Can FDA Come Out a Win-Win Regulatory Policy?
Currently there are already many do-it-yourself at home tests on the markets, such as blood-sugar meter, home pregnancy test, or home colon-cancer-screening test kit, just to name a few. So what is it so concerned about DTC genetic test? It is crucial to understand that in all scientific measurements, there are intrinsic errors in sample selection/representation, technology platforms, or statistics inference. One has to understand the perils of being misled or misinterpreted by the genetic test results, due to test errors (false positive or false negative), excessive claims (based on unproven study), or unrealistic risks/benefits. It is time for the FDA to come out a clear regulatory policy to protect consumers from getting incorrect information and potential losing privacy, and at the same time to validate safety and effectiveness of company's test device/kit as well as to monitor proper disclosure of risks and benefits of test results.
Until next post, keep on reading and writing!!


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The band program which is run through the Menchy Music and currently through Northeastern Music Programs of Glenmoore, PA, which has for over 30 years provided music instruction to students in the Allentown Diocese.
Subsidized by parent paid tuition, the program includes the lessons, after-school band rehearsals, 2 school concerts and one festival. Lessons and band rehearsals are held one day each week and run from mid-September through the end of May. Students are responsible for obtaining an instrument, stand and lesson book.
Students in grades 3 through 8 are invited to participate in this program. An assembly is held in early September followed by an informational parent meeting at which time new students are enrolled in the program.


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"I'm a life-long musician (BA in performance at the Musicians Institute in Hollywood, California), and I can say unequivocally that Celia is an intuitive, knowledgeable and efficient instructor. I highly recommend her services and hope you find her as awesome as I do." Robin Saylor
"Celia Miller has changed my life. Two summers ago I decided to take voice lessons from Celia on a whim--before that I had never sung in public. With carefully crafted exercises and lots of patience, Celia helped me to find and develop my voice. Her seasonal singers' showcase cafes and concerts motivated me to improve my technique and get beyond my nervousness about performing. Singing for the first time with a real band was an exhilarating experience!! Over the course of a year I went from being super self-conscious about my voice to LOVING to sing for an audience. This summer, when I started writing my own songs for piano and voice, Celia continued to be an outstanding teacher for me-- teaching me about chords and basic music theory, suggesting books and giving me tips on technique and the conventions of songwriting. Singing and music have become driving passions in my life, and I would never have discovered how much I love them without Celia. She has been so supportive, attentive, kind and encouraging, all while pushing me forward and giving me constructive criticism in ways that help me improve. I couldn't really recommend Celia any more highly as a voice and music teacher!" Beatice Hutchins
"I went in scared as hell to sing in front of someone. Celia was understanding, supportive, and she made it fun right from the start. She recognized qualities of my voice that I had not thought were there and helped me develop them in ways that have continued to support that growth. The lessons are fun and amazing. I feel so well-supported as I continue to explore and discover what I can do with my voice, and I'm gaining confidence a lot! Do it!! She's great!!" Sebastian
"I'm a student of Celia's - I've been working with her for over a year; and I can't recommend her highly enough! Celia is a wonderful teacher who takes the time to know and understand her students, works with us as individuals, and prepares us for whatever our singing goals may be. If you take lessons with Celia, you will surely learn a lot, grow your voice by leaps and bounds, and have fun while doing it!" Kim Hoff
"I've been studying with Celia for the past year and three months, and my confidence in performing and growing as a musician have skyrocketed. Her student showcases with full bands provide a fantastic and unique experience to put my lessons before an audience of friends and fellow singers. She is a wonderful teacher and highly recommended for anyone looking to grow as a singer and a musician." Jess Martin
"I'm a student of Celia's - I've been working with her for over a year; and I can't recommend her highly enough! Celia is a wonderful teacher who takes the time to know and understand her students, works with us as individuals, and prepares us for whatever our singing goals may be. If you take lessons with Celia, you will surely learn a lot, grow your voice by leaps and bounds, and have fun while doing it!" Kim Hoff
"I've been studying with Celia for the past year and three months, and my confidence in performing and growing as a musician have skyrocketed. Her student showcases with full bands provide a fantastic and unique experience to put my lessons before an audience of friends and fellow singers. She is a wonderful teacher and highly recommended for anyone looking to grow as a singer and a musician." Jess Martin
"I started with Celia a few years ago when I began singing with a choral group and realized my voice had kind of gone underground for a few decades! That led to solo singing; somewhere along the way I decided to join a band, playing keys and singing a few songs with them. Joined a choir, too. and then, once I realized being on stage wasn't terrifying, I joined an acting group. The point is, Celia's methods will take you places you never thought you would go, maybe never knew you wanted to go. I am certainly not the student who has gone the furthest with her training, but I might be the oldest!!!...….and our band just kicked butt at one of the local fairs, something that was NEVER on my radar screen at all, and I would have rolled over laughing at the suggestion a few years ago. Give her a try!!! I always leave my lessons full of confidence.' Sylvia Lapinski
"Although I've been a celebrated singer my whole life, I didn't truly understand how my voice worked. Celia, my tone, my control, and my flexibility have improved so much that I no longer worry about "the right key". I can step out there and pull off just about anything, even when the entire song sits right on (what used to be) my break! As a result, my confidence is through the roof." Jenny Katz, singer/performer. www.jennykatzmusic.com
"My voice has improved exponentially since starting with you. I don't believe you give "false" encouragement and you are truthful about your assessments. That is very important to me!" Fran O'Connell adult performing singer/songwriter
"Everyone should take voice lessons with Celia! It is so fun and she is so good!!!! Thanks Celia so much for coming to CAVEMAN. It is a testament to your teaching!!" Sheena See, actress with No Theater (most recently in the acclaimed CAVEMAN production) and Wooster Group.
"Do it! This lady will teach you how to sing!" Elizabeth Wojtusik, actor (most recently with Old Deerfield Productions) and teacher.
"What seemed impossible (or at least highly unlikely) just a few months ago now feels within my grasp." Devin Griffiths, blues guitarist/singer in the Wildcat O'Halloran band.
"I enjoyed working with Celia because she helped me better understand the way my voice worked and thus helped me become a better singer." Anna Dynarski, actor and 'Jelena' in the award winning play "Miloshevic at the Hague" by the Serious Play! Theatre Ensemble.
"Celia makes singing lessons really fun, and has helped me feel confident about performing in front of an audience." Cami Bluh-Derricotte , elementary school student
"Liv says you make her feel comfortable and at ease. I say any teacher who can engage my child in something she enjoys and hold her interest is worth their weight in gold." Jill Lombardi, parent of 11 year old.
"I go to your lessons because they are fun, and I learn how to use my voice properly when singing something I love!" Calvin Ticknor-Swanson 14 year old
"You have a magnetic personality. I am so glad Camila has you in her life." Michael B, parent of 8 year old.
"I come back for lessons because with every single one I find a difference in my voice afterward. I have never felt as comfortable with a voice teacher as I do with you and I honestly think that every lesson is productive in one way or another. Sometimes we tackle one big problem or we go after several little ones. It all depends on the day! The constant results and improvements as well as your stellar attitude are why I always come back as often as I can." Lauren Booth
"Your enthusiastic, constructive and kind instruction makes even those who have lost their voice comfortable in finding their way to singing again--because we are all born singers!" Adult singer in choir Liz Hansen
"I think you're a fantastic teacher in all aspects. I first came to you about a year ago and I'm happy with how strong my voice feels, especially since I've been told before (by MDs) that the only way to achieve cord closure is surgically. When we part each time, I feel like singing everything, even street signs :)" Anastasia Kurdia
"Celia as a teacher could not be any more helpful in freeing me of age old inhibitions around singing aloud in front of others. The Speech Level Training has been especially useful for me for exploring my vocal range. She's very versatile, patient, comic and talented - just the kind of teacher I need." Deirdre Muccio
"The improvements in my vocal abilities alone have been enough to help with the performance anxiety I've always had trouble dealing with. The ease of her character and her love for music are always inspiring me to keep singing." Tara Gampel
"Thank you so much for the performing opportunities you provide--that and the way you care about your students sets you apart from other teachers, and I greatly appreciate it, because it gets us out there in the world!" Susan Torrey, Singer/Songwriter www.susantorrey.com
"Recently, I started recording my own music. In the studio I realized that singing in bands for many years had damaged my voice and I needed to improve my vocal ability. In working with Celia, I have learned new habits that have improved the quality of my voice and increased my vocal range."
Brian Johnson


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Dewey Decimal System Day 2017 is observed on Sunday, December 10, 2017
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Make a grand entrance in this stylized front open jacket ornamented with elaborate sleeves adorned with silver kora dabka, kundan and sequin work.
It is beautifully coordinated with flared culottes pants embellished with scalloped border.
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It comes with stunning flared pants beautified with floral thread embroidery and embellished borders.
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Tired of using Gmail and want to make a complete switch over to Outlook.com? With Google recently announcing that it plans on dropping Exchange ActiveSync support for Gmail, which creates a major blow for Windows Phone users, perhaps its time to switch over to Outlook.com. This tutorial will provide you with the necessary steps needed to switch your email and contacts over to Outlook.com/Live. You can also hit the source link below to migrate your Calendar and SkyDrive.
Accessing your Gmail email in Outlook/Live
- To create a new email address, go to http://signup.live.com (note if you have a Windows Phone, you should have one)
- Once you have your new Microsoft account, click the Settings gear at the top right, and click "More Mail Settings"
- Click "Your email accounts"
- Click "Add send-and-receive account"
- Enter your Gmail(or other) information
- Over the course of a few hours, all of your mail should be imported automatically, and you should even be able to "send-as" your Gmail account.
Migrating your contacts to Outlook/Live
- Go to http://gmail.com
- On the left side, click the dropdown that says 'Gmail', and click 'Contacts'
- At the top of the contacts list, click the 'More' dropdown, select "Export…"
- Select the contact group, most likely 'All Contacts' and then select 'Outlook CSV'
- Click 'Export' and save it somewhere(contacts.csv)
- Go to Sign In
- "Add people to your contact list" should be available, select "Import from file"
- Select the file you downloaded earlier
- Be sure to clean up and duplicate contacts by clicking the "Manage" dropdown on the main People website and selecting 'Clean up contacts'


text: 21Sep2016Crockpot Salisbury Steak Meatballs4.2K69 This is a sponsored post written by me on behalf of Minute® Ready to Serve Rice. These Crockpot Salisbury Steak Meatballs are the perfect weeknight meal! Fresh seasoned ground beef meatballs, slow cooked in a beef gravy, and served over brown and wild rice! Happy National Rice Month! Were you aware that September is National Rice Month? Neither was I! I can tell you, though, our family enjoys rice as part of our meal or side dish several times each week. Sometimes when these boys get home from school, I wonder if they ate their lunch and snack at all. They come home absolutely famished every single day! I'm really happy that they get a chance to expend all that energy on learning, playing at recess, and practicing their social skills with classmates and teachers. From the minute they come home they're asking for a snack and a drink, all the way up until dinner time. I'm beginning to realize now that I need to make sure I'm planning some healthy and hearty meals for these boys, especially during the week when they're hours away at school each day. They need nutritious meals that will keep them full. And of course these meals need to taste delicious, too! Rice is a great wholesome option, and I paired these Crockpot Salisbury Steak Meatballs with Minute® Ready to Serve Rice – so easy and simple! Crockpot Salisbury Steak Meatballs By Kelly MillerFresh ground beef meatballs cooked in a Crockpot with gravy and served over rice. Prep time: 00:20, Cook time: 04:00, Total time: 04:20 Yield: 6 servingsIngredients: 2 lbs ground beef 1/2 cup Panko bread cumbs 1 oz package onion soup mix 1/4 cup milk 1/3 cup flour 2 10 oz cans cream of chicken soup 1 oz package au jus mix 3/4 cup water 6 Minute Ready to Serve Rice cups, prepared Instructions: Mix ground beef, bread crumbs, onion soup mix, and milk. Roll into meatballs, dredge each meatball in flour, and shake off excess. In a deep skillet over medium heat, brown meatballs turning as needed and working in batches. Transfer meatballs to the bottom of a Crockpot. In another bowl, whisk together cream of chicken soup, au jus mix, and water. Pour over meatballs. Cover and cook on high for 4 hours or on low for 6 hours. Serve over cooked rice. These meatballs are the perfect comfort food dinner that will leave your entire family begging for more! Minute Ready to Serve Rice is not only great for dinner, but also for breakfast and lunch – even after school snack time! In just 60 seconds, Ready to Serve Rice is ready in a perfect single sized portion. Plus, there are several flavorful and wholesome varieties to choose from, including: Brown & Quinoa and Basmati rice, as well as whole grain options of Brown Rice, Brown & Wild Rice, and Multi-Grain Medley. Also, there's Jasmine Rice, White Rice, and flavorful mixes. Click here for a full list of all the varieties! Which Minute Ready to Serve Rice are you most excited to try next? Leave your thoughts in the comment section below! This is a sponsored post written by me on behalf of Minute® Ready to Serve Rice. 4.2K69


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Interest Rates of Kotak Mahindra Bank
Bank Name
Kotak Mahindra Bank
|Best Interest Rate for 6 Months < 1 Year
|Best Interest Rate for 1 Year < 2 Years
|Best Interest Rate for 2 Years < 3 Years
|Best Interest Rate for 3 Years < 4 Years
|Best Interest Rate for 4 Years < 5 Years
|Best Interest Rate for 5 Years and Above
Digital Products or Apps by Kotak Mahindra Bank
Kotak Bank Mobile Banking
Manage your Kotak Accounts and Credit Cards with ease using Kotak Mahindra Bank's official mobile banking application for Android phones or tablets
Kotak Mobile Banking features:
• Locate the nearest Kotak Bank branch or ATM
• Easy fund transfer on the go, without having to register a beneficiary
• Recharge your mobile & DTH subscription with ease.
• Make 24X7 Instant Payment through IMPS using IFSC & A/c No.
• Track your Credit Card A/c, make payment and convert transactions to EMI
• Keep a track of your total net worth with Kotak through the One View widget
• Get your transaction alerts through Push Notifications
• Make a NEFT / RTGS Fund transfer even after the cut-off timing
• No need to remember IFSC for making a IMPS / NEFT fund transfer, directly select from a list of banks
• Purchase / Redeem Mutual Funds and keep a track of your investments.
• Regenerate Debit / Credit Card PIN
• View social and transaction points for your JIFI account
• Avail latest and exciting deals through Kotak Offers App
• Pay your bills, open a Term Deposit and much more
Kotak Bharat Banking
Get started:
You just need your Customer Relationship Number (CRN), your Debit / Credit Card PIN or your Net Banking password to get started. The app will take you through a one-time activation process when you login for the first time.
Key features:
• Access your Savings or Current Accounts and Credit Cards from anywhere
• Do 25 banking transactions including balance enquiry, mobile/DTH recharge and fund transfer
• Available in English, Gujarati, Hindi, Kannada, Marathi & Tamil
• No internet required to transact
• The app sends SMS to 9971056767 to initiate your request. Standard SMS charges apply
• It's safe. Works only on your registered mobile number
How to get started:
• Download the app on the device having your mobile number registered with Kotak Mahindra Bank and start using it.
• No registration required. Does not require any password to operate.
• In dual-SIM phones, please make sure you have selected the mobile number registered with Kotak bank in your SMS settings for using this app.


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Now showing items 1-4 of 4
Facile "scratching" method with common metal objects to generate large-scale catalyst patterns used for growth of single-walled carbon nanotubes
A facile "scratching" method to pattern a catalyst with commonly used metal objects, such as blade, pen cover, tweezers, watchband, knife, key, clamp, and coin, was developed. The single-walled carbon nanotube (SWCNT) ...
Controlled assembly of gold nanoparticles and graphene oxide sheets on dip pen nanolithography-generated templates
The ability to organize nanomaterials, e.g., Au nanoparticles (NPs) and graphene oxide (GO) sheets, into ordered structures with high accuracy and resolution on a substrate is crucially important for fundamental studies ...
Dip-pen nanolithography-generated patterns used as gold etch resists : a comparison study of 16-mercaptohexadecanioc acid and 1-octadecanethiol
The etch resist ability of dip-pen nanolithography (DPN)-generated dot patterns of different alkanethiols on Au was systematically studied. After 16-mercaptohexadecanioc acid (MHA) and 1-octadecanethiol (ODT) dots with ...
Facile "Needle-Scratching" method for fast catalyst patterns used for large-scale growth of densely aligned single-walled carbon-nanotube arrays
Scratching the surface: a simple needle-scratching method (NSM) generates large-area catalyst patterns on solid substrates for the growth of densely aligned single-walled carbon-nanotube (SWCNT) arrays by chemical vapor ...


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James Batchelor and collaborators (Australia)
Choreographer / Performer / Concept: James Batchelor
Composer / Sound Designer: Morgan Hickinbotham
Producer / Concept: Bek Berger
Lighting Designer: HØV (Matthew Adey)
Illustrator / Designer: Amber McCartney
Developed with partners: Centro per la Scena Contemporanea (Bassano del Grappa), Dance 4 (Nottingham), Canberra Theatre Center and Dancehouse (Melbourne).
Supported by the Australian Government through the Australia Council, its arts funding and advisory body, Creative Partnerships Australia, through the Australian Cultural Fund. Also supported by The Besen Family Foundation, The Keir Foundation and Michael Adena and Joanne Daly.
Premiere: 2018
Duration: 40′
(c) Morgan Hickinbotham
From the human body to the cosmos, Hyperspace is an inquiry into the metrics we use to measure the deep unknowns of the universe. It proposes a study of the human body seen through the prism of cosmology, a mapping of the universe within and around it. The interior and exterior landscapes of the body are deconstructed, producing a self-critique of the masculine body and its dominance in space exploration. In Hyperspace, the fleshy material of the body bends, stretches and is reconfigured as alien transmutation, appearing simultaneously colossal and microscopic.
Hyperspace is the third in a series of works from James Batchelor and his collaborators that grew from a unique opportunity to be part of a scientific expedition to study sub-Antarctic islands in 2016.
James Batchelor is one of Australia's leading young choreographers. His work is known for its visual clarity, architectural sensitivity to space and rhythmic playfulness. Movement is hypnotically focused and detailed that draws audiences into a contemplative and imaginative realm. His practice is collaborative, spanning mediums of dance, film, music and sculpture. The result is highly original and immersive performances of impact and scale that resonate with diverse audiences internationally.
James' mission as an artist is to make work that inspires curiosity. To shift assumptions, widen awareness and create possibility. He strives to find ways that dance can be a conversation, collaboration and exchange with other disciplines and communities. In 2016 James was an artist in residence on a two-month expedition to the sub-Antarctic Heard and McDonald islands. Since this experience, there has been a particular focus in his work on the intersection of science and arts.
James trained at the Victorian College of the Arts graduating with a Bachelor in Fine Arts (Dance) in 2012. Over the last five years he has generated an extensive body of work in Australia including commissions from Chunky Move (Redshift), Dance Massive (Deepspace), Dancehouse (Island), Keir Choreographic Award (Metasystems, Inhabited geometries) and the National Portrait Gallery of Australia (Smooth translation).
His international work is focused mainly in Europe and Asia, as a performer he has worked with internationally renowned choreographers such as Iván Pérez, Anouk van Dijk (Chunky Move), Antony Hamilton, Prue Lang, Stephanie Lake and Sue Healey.
Annamaria Ajmone (Italy)
Written and performed by: Annamaria Ajmone
Music: Palm Wine
Costumes: Jules Goldsmith
Technical direction: Giulia Pastore
Production: CAB 008
With the support of: Regione Toscana and MiBAC
Co-production: Cango/Umano – Cantieri internazionali sui linguaggi del corpo e della danza (International Sites for Dance the Languages of the body)
In collaboration with: Teatro della Toscana
Premiere: 2015
Duration: 18′
(c) Michela Di Savino
Trigger is a movable system, that organises itself differently according to the location where it's being hosted. The system reshapes the geometry of the space and, vice versa, the space itself transforms the performance action.
The choreographic score, developing in the inside and outside of the perimeter of a geometric figure
inscribed in the venue, is constituted of pre-established units of movement, which are arranged with one another in instantaneous ways. The audience is seated along the sides of the figure, so as to share the scenic space with the performance.
Trigger is a personal exploration that, for a limited period of time, aims at transforming a space into a "place". This becomes a shelter, a crossing point and the nest of a body that, in a state of perpetual listening, amplifies the spaces which are internal and external to itself.
Trigger is a part of a choreographic project Arcipelago/pratiche di abitazione temporanea, actions built to be experienced in non-theatrical spaces.
Annamaria Ajmone is a dancer and choreographer. After graduation in Italian literature, she studied dance at Civica Scuola di Teatro Paolo Grassi, Milano. Her works are presented in contemporary dance and theatre festivals, museums, art galleries and in venues not originally meant for performance in Italy, Europe and the USA. Annamaria won the prize "Best young Italian Performer 2015". In Italy she co-organize the open-source format for exchange of practices in the performing arts: Nobody's Business.


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Five Incredible Payday Loans Online Same Day Transformations
At the same time, he often would then get another $500 loan and go towards the next place and do a similar until all five were paid. Consumer advocates and lenders agreed how the numbers show the popularity of payday advances. At a blog hosted from the New York Federal Reserve, Robert De – Young, Ronald J. You also have a receipt, termed as a pawn ticket, that shows once your loan is due. Dennis Shaul, CEO in the Community Finance Services Association, which represents payday lenders, concedes that some repeat borrowers get into trouble and can be better off with longer-term loans that may be repaid after a while. Jackie says, well, the ATMs don't give you $8 or $13 or $28. Although I had two payday loans snohomish wa loans open with the same time, one was online only and the other was at a physical location, I always felt which it wasnt enough. But Calvin believed that somehow 5% was the God-given rate of interest and any charge greater than which was evil. It's made to increase the availability of small-dollar installment loans including at least $300 but less than $2,500 while reining in interest levels. Some of people options are already available, and defintely won't be covered with the CFPB's new rule, says Nick Bourke, the director with the consumer-finance program at Pew Charitable Trusts.
A payday advance can often be a lifesaver in a very time of economic need. Blow argues that upfront pricing without hidden fees more efficiently builds positive customer relationships, and her hypothesis appears to get on target. And, if any collections agencies or payday lenders sue you to get unpaid loans and fees and you don't appear in the court or you lose the case or do not pay the judgment against you, this information will likely be recorded on your credit report and impact your score for up to 7 years. If you provide proof of income, Lend – Up won't execute a hard credit pull, so applying for a Lend – Up loan won't hurt your credit rating. But as the poor will tell you, man will not live on APR alone. Most importantly, we're here to aid our customers with their short-term financial needs, and that we will prove it for you each and each time you assist us. The loan officer was pleasant and went over the credit agreement thoroughly, she recalled. Scott Tucker, who also is a race car driver, has denied the costs. The measure is designed to set terms for long payment plans, add rate caps, and prohibit loan companies from using threats and coercion. By 2008, lawmakers passed bipartisan legislation to curb payday loans templeton ma advance rates and cap them at 28 percent APR.
Know that state laws and other factors can influence how much you can borrow, the fees you might be charged, and, whether. That sense of being disenfranchised has helped cause large followings for Bernie Sanders and Donald Trump, Liu said, and also to movements just like the tea party, Occupy Wall Street and Black Lives Matter. How can I have a loan with poor credit and no checking account. An uptick in what are called installment loans may be the payday industry's reply to that criticism'or, more precisely, the regulations that that criticism led to. You should sign up for one of these plans only after having a certified credit counselor has spent time thoroughly reviewing your financial predicament, and it has offered you customized advice on managing your cash. Twelve million Americans use pay day loans annually, typically to pay for expenses like rent, utilities or groceries,. To escape the spotlight and regulations, many payday lenders have moved offshore, to places for example Belize and Malta, and going online. They can provide quick as well as simple accessibility, particularly for consumers who may well not qualify for other credit. That report raised questions regarding the loose lending standards, high costs, and risky loan structures that may contribute for the sustained use of these products. Unlike long-term lenders, we don't require collateral, traditional credit reports, or extensive paperwork.


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!! History Commons Alert, Exciting News
Frits Veerman, a photographer who works with Pakistani nuclear scientist A. Q. Khan at the nuclear equipment manufacturer Urenco, becomes suspicious of Khan, and attempts to warn the company. Veerman becomes suspicious because Khan keeps asking him to photograph centrifuges and components, evidently so he can send the photographs back to Pakistan. When Veerman visits Khan's house, he sees highly classified centrifuge designs lying around. He also meets other Pakistanis at the house, and will later learn they are agents working under diplomatic cover. His suspicions aroused, Veerman warns Urenco of this repeatedly. However, the company denies there is a problem and tells Veerman not to make allegations against a superior. [Armstrong and Trento, 2007, pp. 54]
Entity Tags: Abdul Qadeer Khan, URENCO, Frits Veerman
Timeline Tags: A. Q. Khan's Nuclear Network
Frits Veerman. [Source: atoomspionage(.com)]Pakistani nuclear scientist A. Q. Khan asks a former European associate, Frits Veerman, to help him with Pakistan's nuclear weapons program, but Veerman refuses and informs officials at his employer, Physical Dynamics Research Laboratory (FDO). The request is made in a letter hand-delivered by two Pakistani scientists on a business trip to the Netherlands and "very confidentially" asks Veerman to provide assistance "urgently" for a "research program." Khan wants Veerman, who is already suspicious of Khan (see Mid-1975), to provide him with drawings of tiny steel ball bearings used in centrifuges, as well as some sample bearings, metal membranes, and steel springs used to dampen centrifuges. Realizing that this information is secret, Veerman refuses to provide it. He also alerts FDO, which in turn informs the Dutch authorities. The Dutch begin to harass Veerman as a result (see (August 1976)). [Armstrong and Trento, 2007, pp. 6]
Entity Tags: Abdul Qadeer Khan, Frits Veerman, Physical Dynamics Research Laboratory
After Frits Veerman, an employee at Physical Dynamics Research Laboratory (FDO), learns of an attempt by Pakistani nuclear scientist A. Q. Khan to steal more nuclear secrets from the Netherlands (see July 1976), he informs his supervisor at the company of the attempted theft. He also gives his supervisor a letter Khan had sent him detailing what secrets Khan wanted from Veerman, but the supervisor tells Veerman that if he does not destroy the letter he will be arrested. FDO informs the Dutch authorities of the case, and they arrest Veerman, accusing him of spying. In response, Veerman, who had repeatedly warned his superiors of Khan's activities (see Mid-1975), then accuses the Dutch authorities of allowing the export of dangerous technology from the Netherlands. Veerman is released after two days and told, "You may not talk about this to anyone," because "[i]t is dangerous for the Netherlands." [Armstrong and Trento, 2007, pp. 66]
Entity Tags: Frits Veerman, Physical Dynamics Research Laboratory
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"Ever Since I started chiropractic, my breathing has become better as in I breathe softer. These few days, I have concentrated better in my studies. I think everybody should get their spine checked up!"
Brandon Lee
Children Getting Healthier with Chiropractic
*"It all started when my family went shopping in Vivo City and we were about to go home when we passed by the roadshow. My sister seemed to have some spine problem but was not attended to so my mom went to Doctor Steve who was at the roadshow and he checked my sister. He briefly told my mom that she might have subluxation. So both of them went to the chiropractic center and signed her up for chiropractic care.
We were then offered check-up. After that, my mom wanted me to have a check and I did. I was excited to get checked and wanted to know if I had subluxation. When my parents knew that I had subluxation they signed me up too, and I had my first adjustment and continued to my 12th adjustment.
I felt a lot of difference, for example, I am able to sleep better, have more appetite and able to exercise without muscle pain the following day.
Right now, my whole family is signed up for care. If you want to unleash your best, join this chiropractic family!"
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*"Chiropractic treatments helps to correct my posture and align my spine into position again. Now I can concentrate better in class and can run faster!
Thank you chiropractic!"
Lee Zhi Hua
*"I started seeking chiropractic care because my back posture was quite bad and it was affecting my health
And I cannot do well in school but after doing the chiropractic for quite a few session and doing the OSA,I felt much better.I wake up early in the morning feling good in school, I do better in my studies and exams due to be able to listen well while my teacher are teaching the topic.
I think if you have any back problem do consult chiropractic care before it get worse."
Denzel Wong
*"I was walking around VivoCity with my family one evening when we saw the roadshow. My mother immediately asked me to have a check because when I was in primary school, I had a check once and the nurse said I might need to have a check next time as they suspect scoliosis.
I also suffered from backpain so when I signed up for the check up and x-rays and after the examination, I found out I had subluxation.
After several adjustments, I find that I have less back pain and I can sleep better and I have a better appetite now.
I would advice my friends and family to take care of their spine and they should go for chiropractic care if they have spine problems as it really helps. =) "
Valentia Choo
*"Before I went to Full Potential Chiropractic, I always felt uncomfortable and I always have to take medicine.
But since I was introduced to chiropractic, I felt like I was getting back to normal! And makes me relaxed."
Aung Min
*"I first sought chiropractic care after my orthopaedist told me that I was suffering from subluxations as I am constant experiencing pains at my shoulders. The orthopaedist also told me that there is no way that it can be helped.
After going for intensive chiropractic adjustments, I felt a drastic change in my everyday life. Many improvements have been made to my life after seeking chiropractic care, I am able to do a lot more things like simple movements in softball and back bends in ballet. Not only that, I can feel that the amount of back pains that I have experienced decreased by a lot!
If I have any family members experiencing constant back aches, I would encourage them to get their spine checked as I am able to feel the difference after chiropractic adjustments. The best part is that chiropractic adjustments do not hurt, not even a bit. I'm sure if the diagnosis is correct and they do the adjustments, it would be taking a huge step towards better health."
Alethea Lee
*"My parents began to notice that my posture wasn't correct when they had begun chiropractic care and they decided to bring me along too.
I was completely oblivious to just how bad my posture was until I was shown my x-rays. I began chiropractic care only expecting on improving my posture and did not expect the results I have received. I am now able to focus much better, move my head much more easily and I have notices a huge improvement in how tired I get during the day.
As well as this, I have been more comfortable when sitting and walking. I didn't know how much subluxation was truly holding me back.
My advice would be to seek out chiropractic care, even with the slightest discomfort or spinal concern because I can assure you that your wellbeing will improve in more ways than once."
Emily Cooper
*"When my parents asked me to join them at first I thought that it was a waste of time, but after suffering from back pain I decided to give it a go.
I realized that chiropractic not only helped me with my back pain but also made me more flexible. I was able to do physical things like running with ease. I took a lot of time and effort to get this far and I am hoping to achieve more.
To achieve full potential is not made by the chiropractic doctors but by yourself. To all who is considering to go for natural chiropractic care, my advice to you is go for it!"
Mikhail Tan
*"When I started chiropractic, I always sleep at 11pm but my bed-time is 10pm. I took a very long time to sleep. But now, I sleep in just five minutes! Plus I could not really do the split for my dance but now I can almost do it! So, I would encourage everyone to get their spine checked!"
Megan Lee
"Ever Since I started chiropractic, my breathing has become better as in I breathe softer. These few days, I have concentrated better in my studies. I think everybody should get their spine checked up!"
Brandon Lee
** Results vary from individuals based on goals and effort. Proper exercise and daily habits also contribute to results. Read more.


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Other Essentials
Equipment for lessons
All students will require a pen (s), pencil (s), ruler, basic maths equipment and a pencil case to put them in. Stationery can be bought from the Academy at a cost of….
- Pen: 20p
- Pencil: 20p
- Small Ruler: 40p
- Revision Guides: £4.00**
- Pencil Cases: 50p
- Stationery Pack (Black pen, green pen, pencil ruler, pencil case) £1.50
- Calculator: £7.00
** Some revision guides are £20.00, £7.00, £6.00 and £4.50 **


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Portfolio Website Design for Front-End developer
Budget $30-250 USD
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Hello, I will design a Creative Portfolio. I can start working. Expertise in Html, Css,javascript & jquery, bootstrap After Design approval the website, I will convert into HTML + CSS. I am skilled in Photo More
My motto is to provide high quality work and client satisfaction delivered before your deadline. Android | iPad | iPhone | Laraval I React Native I Hybrid app I Bitcoin | E-Commerce | Cryptocurrencies I PHP5 | Magento More
I can come up with a nice design that will wow you. Kindly reachout to me and let me have the full brief and color theme you'd prefer. I will be most glad if given the opportunity.
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Web & Mobile Complete Solution We are a team of designers and developers with more than 7 Years of Experience in Web and Mobile Application Development. Android Development iOS Development Our Expertise are in De More
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I am a developer and programmer but I collaborate with my friend being very talented graphical designer. I specialize in very fast and responsible web pages (see may portfolio).
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CORPORATE, INDUSTRIAL AND ANNUAL REPORT PHOTOGRAPHY Mar 2012
London: Paul Tait
Paul Tait specialises in portrait, reportage and environmental imagery and works on commission for clients in the corporate and editorial sectors.
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Find A Session
The 2020 elections are just around the corner. SHRM member advocacy is more important than ever to making better workplaces for a better world. Get in-the-know about SHRM's public policy priorities in Washington DC and state-wide strategy. In this presentation, you'll hear about SHRM's policy agenda: workforce development, workplace immigration, workplace equity and workplace flexibility. You'll also learn about how you can become an agent for change by joining SHRM's advocacy team today!


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New client: Sonia goes to Philadelphia, Pennsylvania, USA
We are pleased to welcome a new client to the Sonia community. This private Ivy League university was established in 1740 and is ranked among the top universities in the US and the world by numerous major education publications.
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