text:
The Cotswolds area has a fantastic collection of museums, each with their own charm and character. Whatever you look for in a day out, you can be sure to find it in Gloucestershire - from exciting events and interesting artefacts in museums large and small, to beautiful buildings and amazing galleries.
Cotswold motoring museum
Awarded visitor attraction of the year by the Heart of England tourist board, the museum has a wonderfully nostalgic atmosphere. It is the home of Brum, the much-loved children's television character. For more information please:
- visit Cotswold Motoring Museum website
Corinium museum
Leave the 21st century behind you and discover the treasures of the Cotswolds as you explore its history at this award winning museum. Home to one of the largest collections of Roman-British antiquities extensively from Corinium, roman Britain's second largest city.
For more information, please:
- visit the Corinium Museum website
Chedworth Roman villa
The remains of a well preserved roman villa set in a peaceful wooded Cotswold combe. Thirty-two rooms including 2 complete bath suites. Visitor centre and museum. Fine 4thC mosaics. Lots of events throughout the year. Please check the National Trust website for more details. A chance to see roman Britain at its grandest and imagine life in the 3rd and 4th century. For more information, please:
- visit the Chedworth Roman Villa website
Cotswold woollen weavers mill and museum
Unique working woollen mill and museum in beautiful 18th century buildings. Large mill shop for Cotswold-woven garments, knitwear, throws and accessories. Light refreshments available. For more information, please:
- visit the Cotswold Woollen Weavers website
Court Barn museum
Court Barn Museum celebrates the talented designers and craftspeople who have worked in Chipping Campden and the North Cotswolds since the beginning of the twentieth century. This is a story of the arts and crafts movement and its legacy, a story of how a small town in a beautiful setting became a gathering place for designers and craftspeople of national and international reputation. For more information, please:
- visit the Court Barn Museum website
Gordon Russell museum
The Museum, located in the original grade 11 listed workshop, celebrates the work of the renowned 20th century furniture designer, Sir Gordon Russell MC, and that of his company over a period of sixty years in Broadway, Worcestershire. For more information, please:
Hailes Abbey
Built in the 13th century by the Duke of Cornwall, the beautiful ruins of the once wealthy Hailes Abbey are set amid delightful Cotswold countryside. The serene and peaceful atmosphere makes it the perfect spot for a picnic. Let the excellent audio tour and new interpretation panels bring the story of Hailes to life and discover how a phial, allegedly of Christ's own blood, attracted pilgrims from far and wide. The on site museum houses displays of sculpture and other site finds. After visiting the abbey, pop into the adjacent parish church to see the fine medieval wall paintings. For more information, please:
- visit the Hailes Abbey website
The Old Mill
A watermill dating from 1880 with a working water wheel. Now contains a small mill museum, shop, ice-cream parlour and riverside tea room. In a picturesque village setting. For more information, please:
- visit the The Old Mill website
Wellington Aviation museum
Aviation museum with permanent exhibitions. Sectioned Bristol Hercules, Armstrong Siddeley Radial Engine. Wellington MK:IA Tail Plane. Wellington, many related artefacts, pictorial history of RAF. Described as a collection of Royal Air Force 'Treasures'. For more information, please:
- visit the Wellington Aviation Museum website


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Archive of Known Bugs 2000 - 2011
You are here
PIT Known Bugs
Known bugs (and workaround, where possible) in the Phase I Tool are described here.Please also read the Frequently Asked Questions / Common Mistakes (FAQ/FMM)page and Solaris/Linux distribution README files for other possible problems. If you find a new problem, please submit the information via the Gemini HelpDesk
1 February 2010 -
Fixed in the 2012A release.
On OS X closing a proposal can cause PIT to exit :
For PIT on OS X (Macintosh), closing a proposal with the red window manager button can cause the PIT to exit completely and the user will not be prompted to save changes. Closing from the File menu or with Apple-w works correctly.
9 January 2005 -
Fixed: units for RA and Dec can be selected and entered values are converted when the units change.
RA values considered to have units of hr:
The units for RA are assumed to be hr (hours). Values greater than 24 are 'unwrapped' e.g. 243.7, intended to be in degrees, is interpreted as 10 revolutions plus 3.7hr and is converted to an 'RA' of 3h 42m.
30 August 2004
Items on "submit page are grayed out/not editable:
By design, the partners-specific items (partner check boxes, time requested etc)are 'locked' and not editable after the proposal (or, for joint proposals, oneor more partner components) has been submitted. (This is also true of the example proposal distributed with PIT). This feature is intended to avoid accidental changes or re-submission of previously submitted proposals. Normally you canreset the submission status using the "reset" button. In some circumstances - the one known case to date is attempted submission without any partner selected - the reset button does not clear the locked proposal. The workaround is to save the proposal as an XML file, open the file in yourfavourite text editor and locate the line near the top of the proposal that reads something like:
<phase1Document created="2004-09-02" proposalKey="7df05f69-500b-431e-80e2-a9ba3f1d6b58" lastModified="2004-09-02" dtdVersion="1.2">
and delete just the element proposalKey="7df05f69-500b-431e-80e2-a9ba3f1d6b58".(Your key will different). The proposal XML file can then be re-opened in PIT and proceed as normal.
10 October 2002 -
Fixed in the 2012A release.
Exiting Windows PIT using [x] button does not save changes:
If you close the Windows version of PIT using the [x] button in the corner ofthe window the currently open proposals are not saved and no warning is given.You should use the File...Exit menu.
14 September 2002 -
Fixed at server sites.
Some guide star catalogues searches return incorrect results:
When using the catalog assistant to find guide stars for observations, the GuideStar Catalogue at ESO and the USNO Catalogue at ESO return invalidguide stars due to incorrect queries. The other catalogues (e.g. GSC at CADC,GSC2 at ESO) operate correctly.
14 September 2002 -
Fixed in the 2004B release.
HTML summary can lose first character in line of text:
In text fields (abstract, science and technical justifications), the HTMLsummary can lose the first character of the last line if there is a carriagereturn (CR) at the end of the previous line. The XML file retains the correct text.
3 March 2002 -
Fixed in the 2004A release.
HTML summary link problems under linux:
Under linux only, the links from the table of contents at the bottom of the HTMLsummary do not always function correctly. The links are fine if the HTML file issaved and opened in a browser.
5 February 2002 -
Fixed in 2002B release that support user-defined proxy settings.
Guide star catalogue or digital sky survey searches fail because user machine is behind proxy server:
If the user's computer connects to the outside world via an HTTP proxy server then PIT catalogue assistant searches, PIT proposal submission (UK, Canada and Australia)and OT guide star or image searches will fail, often with the error exception occurred while retrieving the data:java.net.ConnectException: Connection refused. This problem arises because PIT and OT currently do not support sites with an HTTP proxy (support is being added for the next public releases of PIT and OT).
There is a workaround for those using PIT and OT under solaris or linux operating systems. (If you are using Windows, please contact us as there may also be a solution). The Java Virtual Machine (JVM) on Solaris and Linux allows setting two system properties at runtime to indicate that HTTP access should go through an HTTP proxy server.
The two system properties are:
- http.proxyHost -> The host name of the proxy machine
- http.proxyPort -> The port used by the proxy host
By setting the site specific values for these two properties before starting PIT and OT, the access for posting the proposal and gathering WFS stars will go through the indicated proxy. You may find the name of your proxy by looking in your web browser preferences.
A modified command for starting PIT would look like the following (where the -D allows setting the system property on the command line):
exec java ${JFLAGS} -Dhttp.proxyHost="proxy host" -Dhttp.proxyPort="port" edu.gemini.phase1.tool.app.PIT
An example PIT.sh script is available that includes two new variables (called PROXYHOST and PROXYPORT) and can be edited with your local information. Similar modifications should work for the OT.
5 October 2001
Fixed in 2002B release
No previous observations in HTML summary:
The current release omits details of previous observations from the HTML summary. The information is included in the XML file that is submitted to the NTACs.
12 September 2001 -
Fixed: only present in 2002A version.
Can't start PIT or PIT freezes when off-line:
As part of future development, a feature whereby PIT connects to the web to access reference files was unintentionally left in the 7 Sept. release (version 2002A.09). If you attempt to use PIT off-line (i.e. when not connected to the internet) this will cause PIT not to load or to freeze after opening a proposal.The current download (version 2002A.10) has fixed this problem. If working on-line there is no issue.
7 September 2001 -
Fixed by re-release of 2002A PIT
CIRPASS not in list of 2002A instruments:
The initial release of 2002A PIT (Sept 6, version 2002A.08) did not include CIRPASS from the listof instruments. This was corrected in the PIT re-release on 7 Sept. (version2002A.09). If you don't intend to use PIT there is no problem as the two releases, and proposals they generate, are otherwise identical. If you wish to propose to use CIRPASS and don't see it listed in the resources, please re-install the software. We are working on a simpler deployment scheme for future releases.
3 September 2001 -
Fixed in 2002B release with user-specified proxy setting
Can't find WFS (guide) stars:
On occasion, the catalogue assistant will report that the search algorithm failed and that it was unable to find any wavefront sensor (guide) stars. There are two possible reasons for this (a) there genuinely are no guide stars (thiscan occur particularly if the patrol field of the WFS is small, e.g. Hokupa'a,or when searching deep in the Galactic plane) or (b) the catalog assistant cannot connect to the chosen GSC server. The latter may be due to your system firewall and proxy server configuration. To test your connection outside of PIT, try the GSC test page. (If you know that a suitable WFS star does exist, you can addit manually).
1 April 2001 -
Fixed in 2002A release by not defaulting to XML file extension.
(Text) saving within PIT:
The save button on pages that have text editing (abstract, scientific justification,technical justification, target list, TAC) save the contents of the text box only(not the whole proposal) to the name of the original xml file. To save the whole proposal use the file...save as menu.
23 February 2001 -
Fixed in 2002A release.
TAC help page within PIT:
The context-sensitive help within PIT for the TAC tab points to the wrong help page. The correct help page is accessible from the left-hand contents list.
11 February 2001
PIT opens off the screen:
Occasionally, when starting a new proposal it opens off the top left of the screen and only a few pixels of the bottom corner are visible. This is a problem with the interaction between the Java JDK and X-windows. Further investigation is necessary. As a work-around,close the program and re-launch PIT.
2 October 2000 - this bug was fixed in the 2001B release of PIT however it may still be relevant when importing affected 2001A proposals
A problem occurs when the default observing constraints for a specific Observation are overridden using the "Override Default Constraints"function in PIT. If you override the default constraints with the same (the default)constraints, or in fact just specify the same set of constraints within the Observation as the default constraints, then save the proposal (as an xml file), the next time you read in the proposal and try to access the override constraints, by clicking on the expand tree icon, you will generate a Java dump starting with the lines:
Exception occurred during event dispatching:java.lang.IllegalStateException: The referent has never been set.at edu.gemini.phase1.model.P1Reference.getReferent(P1Reference.java:140)
and you can't access the override constraints and the proposal won't submit.
To solve this problem you have to manually edit the xml file and edit the reference codes for the constraint sets. This is an ASCII file so you can use your favorite text editor but for safety you should make a back-up copy of the xml file before starting to edit.What has happened is that each constraint set is given a reference ID in the form ref-0, ref-1etc (see the constraint sets at the bottom of the xml file). In the observations section of the file (that starts with <observation>) the associated constraints are referenced as
<constraintRef constraintId="ref-0"/> <constraintRef constraintId="ref-1"/>
and so forth. One of these ref- values is not a valid constraint set (see the constraint references at the bottom of the xml file) and does not even exist. You must manually edit the non-existent constraint ref- code to an existing ref- code and save the change before reading the xml file back into the PIT.
28 September 2000 -
Fixed in 2002A release.
Can't select the same institution from the drop-down menu for consecutive co-Is:
There are two work-arounds: (1) select a different institution and then re-select the one you want, (2) copy the co-I and change the name (that way you get the basic phone, fax and institution e-mail details too).
9 September 2000
Linux and the twm window manager:
On start-up the PIT windows often do not appear at their correct size/shape when using the twm window manager which is bundled with Linux RedHat 6.x. It is possible to re-size the windows but this sometimes leads to missing text/screen sections. Users are encouraged to switch to either the Gnome Enlightenment window manager (also bundled with RH6.x) or fvwm2both of which allow the PIT to run-up and operate normally.

subset: commoncrawl


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Showt is the world's first Instant Global Voting platform. Showt is in 190 countries in 62 languages, on all digital platforms: iOS, Android, Showt.com, news websites.
No registration is required; privacy is protected. The potential user base is 5.4 billion -- everyone that has a mobile phone (with or without a data plan) or internet enabled computer, tablet or television.
Showt's highly targeted content and advertising delivery platform offers broadcasters, advertisers, web publishers, and political parties a unique way to interact and engage with nearly all citizens in the world every minute of the day, about local, regional, national or global subjects:
Showt makes revenue through targeted advertising related to the Showts, and shares that revenue with partners (broadcasters, mobile phone carriers, webmasters, instant messaging operators).
You don't need to be asked to Showt. You can do it anytime, without prompting.
If you have any questions, please contact us at firstname.lastname@example.com
Showt is the world's first instant global voting platform. Showt is available to everyone in the world that has access to any digital device or system (Showt.com, your favorite news website, feature phone, smart phone, internet-enabled computer or tablet). We can accommodate anyone sending and receiving a Showt, and to send and receive a ShowtBack in all 62 major languages of the world.
For athletes, Showt will allow Showting for the same person once every 60 seconds. For non-athlete, Showt will allow Showting for the same person (or products, places, TV shows, movies, issues, organizations, companies) is usually every 60 minutes.
People, places, products, organizations, TV shows, films, songs, albums, events, issues, political parties, etc.
No. Anyone can Showt without registration. But we do encourage people to register.
Showters that register can keep track of their Showts (and the Showtees they follow) across multiple devices, and they can get alerts about the Showtees they follow.
First name, e-mail and your chosen password.
Showt is VERY serious about ensuring that a ShowtBack sender is who they say they are. Please contact us at firstname.lastname@example.com or fill a form directly from a Showtee profile.
Showt is a powerful platform to express oneself, for celebrities and non-celebrities (Tom Cruise the film star or Tom Cruise the City Councilman from Springfield, NY). Showt wants do everything we can to ensure a ShowtBack sender is who they say they are, and there is as little confusion about who is who (Tom Cruise the film star, Tom Cruise the City Councilman, or Tom Cruise the 16-year old Vice President of the Student Council).
Showt will contact them, or you can email email@example.com
Showt will be the spontaneous, 'always on' platform for expression of the voice of the people. The people won't have to wait for editors or website publishers to set up a survey or poll. They can Showt whenever they want.
The use of the Showt platform every day of the year will result in a fascinating and useful pool of continuous public opinion data. This continuity of data can never be replicated by intermittent conventional surveys with wordings that vary from survey to survey.
Showt welcomes any and all feedback. Please fill this form. We will do our best to respond promptly.
Showt does not require Showters to register to Showt. However, Showt does encourage people to register to become a member.
If you register and login, you can keep track -- across all your devices -- of your:
There is a Report tab on nearly every page of the Showt platform. If you click on a particular page's Report tab to report abuse, you will communicate directly to our Showt team precisely the locations of the portions of the Show platform you are reporting.
Showt welcomes suggestions for new Showtees. You can submit a form from the main menu for "Suggest a Showtee" or send us email at email@example.com


text:
Patrick Page is considered by his peers to be one of the world's most knowledgeable magicians and in this fabulous DVD series, he extensively explains many of magic's most enduring and classic tricks. There's material here for every skill level -- from beginners to experienced performers. You'll be performing like a professional in no time at all. It's truly Patrick Page at his very best!
Volume 1 - Thumb Tips - On this DVD, Patrick Page shows why the thumb tip remains one of the magician's most powerful secret weapons. You'll learn how to properly use a thumb tip, including how to get it into and out of play. In addition, Patrick Page demonstrates and explains more than a dozen strong effects made possible by this wonderful utility device. This is miracle-class magic with coins, cigarettes, silks, napkins and more, utilizing a gimmick that all magicians own but very few learn to use properly. Of course, not many have had Patrick Page as an instructor.
Volume 2 - Reveal-a-Card Discoveries & Card in Wallet - Double DVD! -A card is selected, returned to the deck and controlled. Now what do you do? What follows is the difference between a magical moment and just another card trick. Here, Patrick Page shares a number of ways to reveal a selected card. Some are humorous, some are dramatic but all are very magical. What's more, Patrick Page also explains a number of ways to control a selected card to where you need it to be in the deck and some false shuffles to make sure it stays there. You'll never be at a loss to entertain with only a deck of cards ever again!
Volume 3 - Three-Shell Game & Topit Techniques - Double DVD! - The classic swindle of the Three-Shell Game has always held a fascination for the public. On this video, Patrick Page teaches you all of the basics, in addition to some more advanced dodges and stratagems, for turning this ancient game into magical entertainment. With nothing more than three walnut shells and a pea and some help from Patrick Page you'll soon be convincing everyone that you?re a world-class sleight-of-hand artist!
Topit Techniques - The power to vanish almost any small object right before the eyes of your spectators is now in your hands?and in your coat! In this video presentation, Patrick Page introduces the Topit, a highly deceptive magical secret weapon. After going through the basics, Patrick Page also teaches many advanced techniques that will have you performing veritable miracles in no time!
Volume 4 - Rope Magic & Magic with Paper - Double DVD - If you think you know everything about rope magic, you've never seen Patrick Page! With nothing more than a length of rope and a pair of scissors, Patrick Page will teach you how to entertain in just about every performing situation. Besides the basic Cut and Restored Rope, you'll also learn routines with knots, rings and ropes and even the classic Linking Ropes. This video presentation is a virtual encyclopedia of rope magic!
Magic with Paper - Everyone is surrounded by paper yet few magicians realize its enormous magical potential. In this video presentation, Patrick Page teaches various tricks and stunts with paper, with everything from a basic torn and restored effect to wonderful bits of business with paper that is perfect for children's performers or MC work. You'll also learn Patrick Page's classic Easy Money, the original paper-to-money effect that started it all!
Volume 5 - Sponge Balls - Just about every close-up magician performs with sponge balls but if you only do one routine with them, you're missing a tremendous amount of their magic potential. On this video, Patrick Page brings his decades of knowledge and experience to bear on this classic trick, offering a multitude of techniques and routines, including ideas with sponge balls you almost certainly would never have thought of. In short, you haven't seen sponge ball magic until you've seen Patrick Page!
Volume 6 - 25 Super Trick & Funny Business for Kids' Shows - Double DVD - Patrick Page has been called a walking encyclopedia of magic and on this video extravaganza, he shows why. You'll find powerful, commercial ideas for cards, coins, balls, thimbles, rope and more, all delivered in Patrick Page's inimitable style. There's magic here for all interest and skill levels and it's all taught in painstaking detail. This is magic that you?ll find easy to learn and fun to perform!
Do you own this product? Write a review.


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Struggling to find the best buy-to-let mortgage in Peterlee? speak to one of our buy to let mortgage advisers today
The term 'buy to let' generally refers to either the practice of buying a property to be let for profit or to the type of mortgages used to purchase a property for such letting. Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in the last 2 decades and this has fuelled a growth in amateur landlords and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
What Is A Corporate Buy To Let?
Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in Peterlee the last 2 decades and this has fuelled a growth in amateur landlords looking for quality mortgage advice, this is why mortgage brokers in Peterlee who specialise in Buy-to-let are so important and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
Peterlee Buy to let mortgages have been available in the UK since the mid-nineties and they are specifically designed for investors to borrow money to purchase property in the private rental sector. The amount that a prospective but to let investor can borrow is generally determined by the rental valuation of the property. The annual income for a rented property has to cover a certain percentage of the mortgage repayments, the Association of Residential Letting Agents (ARLA) states that landlords should seek to be able to obtain gross rent returns equivalent to between 130 per cent and 150 per cent of the rental property's mortgage repayments, this takes into account the surplus rent to cover costs of property maintenance and slack periods when the property may be vacant of tenants.
Peterlee Buy To Let Mortgages.
Some buy to let mortgage lenders in Peterlee will lend you a maximum sum based on a multiple of your salary (usually a multiple of three) plus a percentage of the forecast rental income on the property. So if your annual salary is said 30,000 Franks and the forecast rental income is 10,000 Franks they will lend you 95,000 Franks. Other mortgages, in addition to factoring in your salary, will include any existing loan commitments you have, and then apply what is known as the 'deduction rule'. This rule relates to the annual mortgage payments worked out at a pre-set level of interest.
Buy to let mortgage interest rates are generally fairly close to residential mortgage rates but will generally be slightly higher and typically charge higher fees. This is due to the fact that buy to let loans are considered by the financial sector to represent a greater risk than residential owner-occupier mortgages, and they generally are.
The Situation in the UK About Buy To Lets
The buy to let market literally 'exploded' in the Peterlee around the beginning of the millennium with rising property prices and the increasing availability of buy to let funding fueling a surge in would-be investors trying to cash in on the trend of the market. One reason for their popularity is the tax advantages that are available to the UK buy to let investors. Rental income is treated just like a salary by the Inland Revenue, and is therefore often taxed at 22% or even 40%. However, landlords are allowed to deduct costs from the taxable portion of their rental income, and these costs can include the interest of the buy to let mortgage repayments as well as maintenance costs on the property. These tax incentives made the buy to let market very attractive for both professional investors and amateurs looking to make the most out of their savings.
Would-Be Buy-to-let Investors
The market peaked around 2007 and now the market is saturated in many areas across the country with too many properties available to tenants. While buy to let is generally not a good idea for people who do not possess some extra budget there are a lot of remortgage deals which will fund a deposit for a home. If you are worried about losing money during void periods many companies will provide insurance which can deliver as much as six months mortgage payments in the event of a property in Peterlee remaining unoccupied.
You may still be lucky, and find a hotspot but you need to do your homework and the figures correctly. Buy to let trends differ from town to town and literally from street to street. Good advice for potential investors is to visit the local letting agents who should be able to tell you who is renting what at the moment so you can define your target audience. It could be students, young professionals or families, for example. Look for areas that do have a shortage of properties and for indicators that people will move there, such as new business developments.
Buy to let mortgage deals are still rife and the rates are almost as competitive as with conventional deals. The mantra with your buy-to-let must be 'don't expect to get rich quickly'. You need to look long-term: an absolute minimum of five years – but probably nearer to ten years.
You maybe in full-time employment and don'thave any free time to manage your investment properties, or maybe your like me and youdon't feel like you have the knowledge or experience to manage your investment propertiesand the tenants.
Or maybe you would simply prefer to spend your time in doing other things.
In which case you will require the help of a letting agent, and in this video I willtalk through the different levels of service that letting agents provide and how I go aboutfinding the best one.
Hi, I'm Andy Walker from monoperty.
Com whereI blog online about my journey as a property investor and landlord, sharing what worksfor me and what doesn't, to help you start or expand your property portfolio.
In recent years there's been a number ofonline letting agents appear with some very attractive fees, however, I don't have experiencewith these, my experience is based on the traditional type high street letting agency,which is what i'm going to be talking about today.
If I do make the move to an onlinecompany one day, I will be sure to provide feedback to you when that day comes.
Ok, First of all, let me tell you about thetypes of services letting agents provide, there are 3 different types and each attractit's own level of fees: For a Tenant Find service the letting agentwill advertise your property online using popular portals like RightMove, Zoopla andOnTheMarket.
They will answer queries that they receive and conduct any viewings withprospective tenants.
They'll also carryout tenant referencing and credit checks.
Fees will vary, but to give you an idea, Iwas recently quoted £195 + VAT to have a property let on a tenant find basis only Next is the Let Only and this package includesall the services provided in the Tenant Find plus the issuing of the tenancy agreement,taking the deposit from the tenants, and then registering that deposit with a deposit protectionscheme, setting up any direct debits and submitting meter readings to the utility companies.
They may also offer to provide extra servicesthat will incur additional charges like creating a inventory, providing an Energy PerformanceCertificate and a Gas Safety Certificate.
It can be cheaper for you to arrange thesecertificates as letting agents typically charge a percentage for spending time in making thearrangements, so it depends on how much time you have to get those certificates in place.
You can expect to pay anywhere between theequivalent of 2-4 weeks rent for this service.
So it could be that your fist months rentis spent in getting tenants into the property.
And the last one is the Full Management Servicewhich is the most expensive but it's the one I use as it helps to keep my time free.
This includes all the services of the Let Only package plus regular inspections, dayto day management of the property and rent collection.
Now with this service it means if the tenantshave any questions or any issues, they will contact the letting agent instead of me.
Theletting agent fees will be a percentage of the rental income over the letting term andwill be dedicated from the rent that's received.
The fees typically range from 6 to 15 percentdepending on the type of property.
I did manage to negotiate a fee of 5.
5% for one of my propertieslast year, but I take on any arrangements and supervision of any repairs that may needdoing which is very rare.
So with this service the letting agent findsthe tenants, vets the tenants, takes the deposit, issues a tenancy agreement, secures the depositin a protection scheme, collects the monthly rent, pays the rent into my bank account lesstheir fees and handles any phone calls from the tenants.
Now when it comes to finding a letting agent,the easiest method is probably word of mouth.
If your lucky enough to know someone in thearea who is using a letting agent that they would recommend because they are happy withtheir services, then that's great, but I would also recommend doing your own research.
I approach at least 3, and the first thing I do is look online for other properties thatthey are marketing.
I look for good photo's and good descriptions.
The properties withthe best marketing will attract the quickest viewings.
Getting a prospective tenant toenquire and getting them through the door of the property is what you want to achieve,because hopefully the property will sell itself.
And obviously, the least amount of time theproperty is on the rental market, the better.
I also like to visit their offices to havea look and get a feel as to how they operate.
Property is very much a people business andif I have two or three agents that appear to be good at marketing and are good at conductingthemselves, then I will typical choose the agent who I resinate with most.
To help you and your letting agent, make sureyour property is in a good state of repair and that it's good to go because it willsave you and your letting agent time and most issues are easier to be fixed when the propertyis vacant anyway.
Having a letting agent can also help to makesure you are compliant as a landlord.
And the introduction of the Right To Rent Schemehere in the UK in February 2016, is a good example of that.
They should also check that the relevant safetycertificates are in place and my letting agents always contacts me and reminds me when thosecertificates are due for renewal.
That said, I also keep a log for myself so I know whenthey're due, because ultimately landlords are responsible for the safety of their tenants,and if things go wrong, it will be the landlord that's summoned to court and not the lettingagent.
Before I finish, there are two other pointsworth mentioning for UK landlords.
Since October 2014, all letting agents mustbelong to a redress scheme which provides a free service for resolving any disputesbetween the letting agents and their customers, whether that's landlords or tenants.
I willlist the 3 government approved redress schemes in the description box below, but rememberto ask your letting agent which scheme they belong to.
And for transparency, since 27 May 2015, lettingagents must display all their fees and charges for both landlords and tenants, on their websiteand in a prominent place within their offices.
And you should always check the associatedfees before entering into negotiations with a letting agent.
This is my last video of the 'Getting Started'series.
I hope you have found this video, and the seres useful.
If you have watchedall 8 of them, you now have a basic understanding and knowledge of how to start investing inproperty and become a landlord.
If you still feel that you have some unanswered questionsabout finding a letting agent, or starting out in property investing and being a landlord,then please leave a question in the comment box below or head over to monoperty.
This is just the start for this channel though, I already have over a hundred other videoideas and I will continue to release one a week which, of course, will all be gearedtowards helping you start or improve your property business.
So if this is your firsttime visiting this channel, please subscribe so you don't miss any of them.
If you foundthis video useful, please give it a thumbs up, it will help me out a ton, and if youthink anyone else will share benefit from seeing this video, then please share.
Thankyou for watching this video to the end, keep up the good work and I will see you in thenext one.
Rental Property Management | Letting Agent Or Self Manage Your Investment Property | Buy To Let
How will the restriction of relief on Buy to Let mortgage interest affect landlords? Starting from April this year, there will be an increasing restriction on the level of interest that can be deducted from your personal tax return By 2020/2021, there will be a 100% restriction on on the deduction of interest and that will be replaced by a flat rate deduction at 20% of the actual interest, or rather I should say finance costs because it includes the fees charged by the lender as well as just the interest.
Starting in April this year, there will be a 25% restriction, rising to 50% the following year, 75% the year after and 100% starting in 2020/2021 "So what will be the impact of this restriction?" The impact will be on the higher and additional rate taxpayers of 40 and 45%, who will be taxed on their rental income at, or rental income after allowable expenses at 40 or 45%, but will only get a tax deduction for their finance costs at the rate of 20%.
This could indeed mean that "in extremis", they would pay more tax than they are actually making in profit.
Now, it's actually worse than that, because there is a category of people who might believe that they are not going to be affected by this tax change but will affected.
Now, let me explain that a little bit more.
If an investor is close to the barrier at which they will increase from a basic rate tax payer to a higher rate taxpayer, they might belive that for instance they are making, that they've got £40,000 of other income therefore, after allowances they've got maybe £10,000 of margin before they will move in to the higher rate tax.
But, it is the turnover, in other words the rental income after the costs, that will determine whether you move in to the higher rate tax not your profit.
So if somebody with say, £20,000 worth of rental income and £12,000 of finance cost might believe that they're not affected by this but they will be.
It is the addition of the £20,000 to their £40,000 of other income that pushes them in to the higher rate tax band, so they will be effected by this and need to consider what they can do to mitigate their position, probably by getting advice from an accountant.
"So, should I be borrowing via a Limited company going forwards, if I'm a landlord?" For many landlords, that's now quite a sensible option, because of the stress tests, that started to be introduced from the 1st of January are more generous for Limited company borrowers than those borrowing in their personal names.
"Does it take longer to process a Limited company application?" In theory, yes, the reason behind that is that lenders generally will have to undertake a search on the company, and then also the directors and potential shareholders behind that.
So there's obviously a bit more top do than a standard personal application, so they will check out the right coding of the company and the individuals behind that.
So, yes, in theory, but not a massive amount of difference, maybe 24 hours.
"And that's if it's an SPV, but it's slightly longer if it's a trading limited company" Yeah, you'll generally find that they want to see some accounts, to back up the history of that trading company just purely because of the trading element of the company itself.
"OK" "Are Buy to Let mortgages more expensive for Limited companies than they are for personal borrowers?" On the face of it, yes, purely because some of the likes the mainstream lenders that lend to the personal capacity, such as the Birmingham Midshires, the Mortgage Works, those type of lenders don't actually offer anything in a Limited company at the moment.
"Right, and what about the ones that do offer to Limited companies?" The ones that do, would seem to be a little bit more expensive, however we are generally seeing a lot more lenders starting to off either the same or certainly reducing their margins from the ones that will offer both personal and limited company products, such as our own brands such as Keystone for example "Yes, that offers the same rates, doesn't it-" Correct "-to Limited companies and to borrowers" Yeah and we're seeing other lenders as well looking to reduce their rates or certainly try and bring down those margins between personal and Limited company.
So, in theory, yes, they are, but not as wider a gap as there used to be "Why can landlords borrow more through via Limited company than personally these days?" The PRA announcement changes with way that lenders have to stress rental income on the back of the tax changes that are coming in over the next couple of years.
Essentially, landlords are going to pay more tax, therefore lenders need to mindful of the lower income that landlords will have from the rental properties.
The way that Limited companies are taxed is different, and therefore these changes won't be impacting that and lenders are able to offer a more relaxed calcualtion when lending to Limited companies.
"Right, so I've heard that's a kind of standard rent to interest calculation for personal borrowers and that around 145% at a stress test of 5.
5 whereas Limited companies, they're actually still being given the traditional stress test, rent to interest calculation of 125% of rental income, times by a stress rate of 5.
5, or less if it's a 5 year rate, is that right?" It is, yeah, and what you'll find is that in the personal borrowing space, and also the limited company, there are some variations on those tests.
So for example if someone was taking a 5 year fixed rate, some lenders are opting to offer slightly more lenient calculations than on shorter term, 2 or 3 year products.
And likewise, there's the ability to sometimes take in to account the personal income, the personal tax situation.
So some lenders are taking a more bespoke approach, but as a rule, you are absolutely right, what you just said.
"So that's a reason to come to a broker who knows the market and can work out which lender provides the appropriate stress test for your situation?" Yeah, absolutely.
So the market just became a lot more complicated in the last few months, so specialist advice is a really good idea.
"What's the difference between an SPV and a trading limited company?" The trading limited company will have their day to day business through that company.
An SPV will just have property, so it will be set up purely just to hold the investment properties, whereas the trading company will have income from creditors, debtors, all coming through that one business and also hold the property "So does it matter if I go to a lender if I've got and SPV or a trading limited company? Will they treat them both the same?" No, they treat them differently, so some lenders will do just SPVs, others will do trading companies.
So it's down to us to decide where to go, but they will base it on an SPV, they will base underwriting on your personal circumstances.
So your income being over £25,000 will get you over the line.
Whereas trading company they'll look a 2 years of accounts , 2 or 3 years of accounts for that company.
So SPVs I take it are more popular with the lenders" Yes, they're a little bit cleaner and a little bit simpler.
So the trading company there's a bit more complexity to it.
But either way, the rates don't vary drastically, it's just some lenders will do trading companies, some will do SPVs, some will do both.
So it's just working out which is more favourable.
"How do I go about setting up and SPV?" That's quite easy.
You just need to go on to the companies house website, which obviously you can find through Google, and then key the information on that's requested and follow the step by step instructions.
It is easy, someone in the office went through a similar process for their own personal benefit, and the most difficult question was "what shall I call the company?" so thinking up a name.
"Brilliant, so it doesn't take very long?" No not long at all.
Just pay your £15.
There are some other websites out there that will offer to do it for you, but they will charge more than that and there isn't really a need.
"What is a SIC code?" It's a Standard Industrial Classification code that defines what a limited company will do.
So you may have a butcher with a different number to a property company for example.
"And the lenders are looking for a property SIC codes on companies?" Yes, ideally they prefer the company to purely deal in property, rather than trade in something else as well.
"But there are lenders out there that will look at either an SPV that's got a SIC code or a trading limited company, whatever that may be?" Yes, we have smaller numbers of lenders that will look at both trading and property companies as opposed to purely SPV companies.
"Can I borrow through a newly created SPV, because it has no accounts.
" Absolutely, so what happens is, when you borrow through a limited company, the lenders will ask that the directors and/or shareholders, depending on the lender, offer an unsupported personal guarantee.
So what that means is that while the limited company forms a wrapper around the deal, actually the buck stops with the person, with the people that have offered these personal guarantees.
So really, when lenders a re underwriting limited company transactions, their focus is very much on the individuals behind the company, rather than the company itself.
And because of that, they can lend to newly set up companies with no trading history what so ever.
"Can you explain exactly what is a personal guarantee?" Essentially what happens with the personal guarantee is the lender saying "if we enter this money and you don't pay us on time and we have to repossess and sell the property, and the proceeds of that sale don't raise enough to clear the amount that is owed to the lender, the person who is offering the personal guarantee is personally liable for the shortfall.
" It doesn't mean that they're taking a charge on the persons own home or other assets, it just means that fundamentally, that person is responsible for making sure the bank will get their money back.
"Can I simply transfer my personally owned rental property in to a limited company?" No.
You should sell your personally owned property in to a limited company and unfortunately that's then a taxable event, so you could end up with Capital Gains Tax in your personal name, as well as paying Stamp Duty and of course the 3% surcharge Stamp Duty on the limited company as well.
"As well as the standard costs of selling a property.
And can I sell the property for any nominal amount?" No, it much be done at market value.
"Oh, right the taxman is looking for an open market value sale" Yes, they want Stamp Duty on the full price.
"Of course they do" "Are there any downsides to operating via a limited company?" Well first of all there's an additional upside.
Starting in April this year, the rate of corporation tax is due to fall from 20% to 19% and by 2020/2021, it's due to fall to 17%.
So that's even lower than the basic rate of tax.
So anybody who wants to keep the money in the company no matter if they're a basic rate tax or a higher rate tax payer, will be better off with the properties in a limited company However, there is always a "but" to these things, particularly with tax.
If you're a higher rate tax payer, you'll presumably at some stage want to get the money out of the company.
And there are various ways that can be done, either by salary, or by dividend, it can be a very complex equation, but there will be additional costs in extracting the money from the limited company.
With the recent changes so that dividends are taxed at higher rates than they used to be, albeit with a £5,000 dividend tax allowance.
There could be quite a significant cost to a higher rate tax payer in extracting the money from a limited company.
Having said that, no matter how bad it is, at least you're not in the position of paying more tax than you are earning in net rental income after financial costs, which you could be as a private individual.
"So yet again, go take some professional advice sit down with your accountant and work out the best position.
" "Are more landlords using limited companies to purchase Buy to Let property? Yeah, increasingly we're seeing nearly all of our customers, probably around 60-65%, making new purchases in to limited companies and probably about the same number purchasing in to their limited companies properties that they own in their personal name at the moment.
"You mean transferring over, even though its a sale?" Technically a transfer from their personal in to Limited company, but it's seen as a buy and sell transaction.
"For more information on Buy to Let mortgages for limited companies, visit the website.
Or, call us today on 0345 345 6788.


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Founded in Cupertino, California in 1976 by Steve Jobs, Steve Wozniak and Ronald Wayne, Apple Inc. is an American multinational corporation that designs, develops and sells consumer electronics, computer software, online services and personal computers.
Apple's best-known hardware products are the Mac computer, the iPod, iPhone and iPad. Apple's online services include iCloud, the iTunes Store and the App Store. Its consumer software includes the OS X and iOS operating systems, the iTunes media browser, the Safari web browser and the iLife and iWork creativity and productivity suites.


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PCI SSC's Bob Russo, Troy Leach discuss PCI DSS 3.0
On the eve of the release of PCI DSS 3.0, SearchSecurity spoke with Bob Russo, SSC general manager, and Troy Leach, SSC chief technology officer, about the most important changes in the new version of the standard that debuts Nov. 7, 2013. Russo and Leach also offer their perspective on the most important milestones in the history of the PCI standard, and how PCI community feedback has shaped what the standard has become.
Gartner VP Gregg Kreizman assesses corporate IAM landscape
In this SearchSecurity podcast recorded at the 2013 Gartner Security and Risk Management Summit, Gregg Kreizman, research vice president at Stamford, Conn.-based Gartner Inc., sits down with Assistant Site Editor Brandan Blevins and explains how evolving corporate identity standards are affecting the IT security landscape.
[0:37] SAML, OAuth 2.0 and OpenID
[1:55] Online Secure Transaction Protocol
[3:07] Trusted Platform Module
[3:43] Biometric methods
[5:23] The end of single-factor password systems
[6:54] 2013 Verizon Data Breach Investigations Report and enterprise authentication issues
[8:44] Mobility and IAM
[11:34] Federated Web authentication
[13:30] No. 1 enterprise authentication issue
Top data breaches of 2012
A spate of high profile data breaches throughout 2012 hold important lessons. Lapses in basic security measures and stolen account credentials played a significant role in most of the breaches. The SearchSecurity editorial team discusses what can be done to bolster the security of corporate systems.
Gary McGraw on proactive defense, offensive security
Software security expert Gary McGraw explains that investing in destructive cyberweapons could have dangerous consequences. He is advocating for a proactive defense approach to cybersecurity.
Email attacks still highly successful attack vector
Ali Mesdaq a security researcher at FireEye Inc. explains why malicious file attachments are still a highly successful attack vector for cybercriminals. Automated attack toolkits, spambots and targeted attackers typically use the old standby technique because it works. FireEye has found a spike in malicious email attachments in 2012. Social engineering is at the heart of most attacks.
Flame malware analysis, How to defend against fraudulent certificates
Security expert Nick Lewis analyzes Flame malware, plus gives tips for dealing with Flame's most unique function: its use of fraudulent certificates.
Formulate a more effective information security incident response plan
In this Hot Type podcast, author Neal McCarthy offers real-world examples that enterprises can use to form an information security incident response plan.
Legal counsel vital component of incident response
Ellen Giblin an attorney at Ashcroft Law and Gant Redmon, the general counsel for Co3 Systems discuss the litigator's role in incident response. The legal team should be contacted as soon as a security or privacy incident is detected because it shifts the burden and liability over to the attorney, according to Giblin. Learn where the company's legal team fits into your incident response plan.
Google Aurora attackers back with zero-day exploits, new targeted attack techniques
The Aurora attackers, which surfaced in 2009 targeting Google and dozens of other firms are improving their techniques and showing impressive skills, according to new research from Symantec. The group is a threat to U.S. defense contractors and their partners, including manufacturers and parts suppliers. Eric Chien, senior technical director for Symantec Security Response explains that the group behind the campaign are using a number of zero-day exploits and a new drive-by attack technique.
The case for using anomaly based monitoring in zero day detection
In light of recent failures by the signature-based model, expert Char Sample discusses anomaly-based monitoring technology and the potential it holds for enterprise security.


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Australian Anthropological Society Annual Conference 2013
Theme: The Human in the World, the World in the Human
Australian National University
6-8 November 2013
The theme of this conference embraces anthropology's enduring commitments to grappling with the human condition in the widest terms. Yet it also directs attention to the ways in which the interrelated concepts, 'human' and 'world', receive critical disciplinary attention in the present. While anthropologists have always been interested in how particular environmental, social or political worlds shape and are shaped by human existence, the theme attends to the urgency that such questions take at a time when the limits and potentialities of what 'human' and 'world' mean are subject to searching re-examination. Climate change, developments in bio-technology, securitization and supply-chain capitalism, and processes of forced and voluntary migration are among an array of issues that challenge and stimulate the conceptual and ethnographic work of anthropologists in the present.…


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AVP have been identified as an important regulator of fluid and electrolyte homeostasis through its anti-diuretic action on the kidney, After myocardial infarction, plasma levels of [Arg8]-vasopressin rise to recover hemodynamics.
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Living relatives, especially older ones, can be a wealth of information. Consult siblings and cousins as well. They will likely have different memories of older relatives that may affect your research strategy. Remember to be careful with family tradition. Family stories have a way of changing and becoming embellished as they are passed on from one generation to another. For this reason, tradition is not usually considered documentary evidence.
Living relatives can help you extend your research farther back in time by providing names of deceased relatives and where they lived and died. They may also be able to provide you with copies of records they have in their possession. For example, they may have obituaries or the family Bible. This information can be useful in locating records relating to their life events, such as marriage and death records, probate records, and cemetery and obituary records. After you do additional research, it is a good idea to share your findings with your relatives. Documentation you find may jog their memories and lead to additional stories and memories.
A frequent problem encountered with talking to different people about the past is that people will remember past events differently. Such discrepancies can be troublesome. Is the information based on first-hand accounts? Was the person who relayed the information an actual eyewitness to the events, or is he or she just passing along information that was told to him or her? It is important to keep an open mind and to consider all possible scenarios. Ask yourself what documentary evidence might there be to prove what information is correct? Were vital records kept at the local or state level at the time of the event? If not, perhaps newspapers and church records can fill in the gap. Be sure to ask your relatives about religious affiliation. Some religious groups keep very good records, such as baptismal, marriage and burial records. Religious newspapers can also be a wonderful source of information.


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My Samsung NC10 Review, Tips and Tricks
Since I am just a big fan of Pentax ;-) and Samsung being an alliance of Pentax, I chose the Samsung NC10 as my new Netbook. I pre-ordered it in fall November for the first lot of NC10 that arrived in HK. My unit arrived in early December, after I had waited for one week. After using it for more than a month now, I wish to sum-up its pros and cons according to my practical experiences here, as well as to share some tips and tricks of my own. The tips and tricks are useful to make the machine easier to use (for changing some various default factory settings, at BIOS and in Windows) and to perform better and more accurately (particularly I shall concentrate on the screen colour/grey accuracy which is important for photo applications).
The Pros:-
1. Large usable keyboard with good keystroke feel: The key size is very large for a netbook. The layout, placement of key and size of each key has been well thought. The reaction force of the keys is good and there is a "crisp" sound for the keystroke too. The top surface of the key is finished with smooth coating but yet somewhat matte looking. Whilst the appearance is good, practial it is not so easy to become dirty and cleaning will be easy.
2. Elegant look, both inside and outside: With a thick surrounding silver rim, Samsung creates an unique style and symbol of their own which from a distance you will know this one is a Samsung notebook. I got the white version of the NC10 btw. The white version has pearl white matte finishing (but yet smooth, similar to the keyboard) both outside and inside. On the other hand, the black version has piano glossy finishing outside and carbon grey matte finishing inside and for the keyboard. As I don't like the inside appear of the black version, I chose the white one.
3. Surprising very long battery life but yet still overall high system performance: I must say the NC10 is a real workhorse, I have no problem with general word-processing and mobile internet application for going out for a whole day, for more than 8 hours, oftenly. Quite often, I used my netbook on and off for about 1/2 or 1/3 of the time during the day (at Cafe, during lectures ;-), on travelling, etc.), battery juice stil remained all the time when I came back home and this is really nice. This netbook, with a 3.5G mobile internet service that I subscribed, has helped me to save a lot of time at home for doing office works and internet writing/surfing. The practically very long usable battery life with a single battery pack really helps a lot here.
4. System performance is very high, despite of the long battery life (I think thanks to the brilliant power management and system performance optimisation). Good job, Samsung! Digital TV application TotalMedia with an Asus U3100 Mini HDTV stick plays very smoothly for MPEG2 SDTV broadcasts (DVD quality). It drops much frames for true HDTV broadcast programmes, though (MPEG4 or H.264 in 1920 x 1080), but then it is normal for a Netbook with an Atom processor and just an integrated Intel display chipset.
5. Loud speakers for a netbook, although sound quality is just so-so (but again normal for a netbook). I have no problem to play video clips in a restaurant (with some background noise, not too noisy, fortunately) and all the audience (about 10) has no problem to hear the sound by just sitting at their own seats at a round table.
6. Bright Screen with True Dark Background: The screen brightness can be set to very high, there is no problem for working outdoor even under the bright sky. The screen background is in deep black colour and hence a high Dynamic Range can be achieved (which is aka Contrast Ratio - the amount of difference between the darkest and brightest tones that can be displayed). I noticed that the NC10's monitor's background colour is much darker than the HP Mini 1000 when I compared them side by side, with the same photos displayed. The few comparable netbook screens with the same both high level of brightness and deep darkness includes the one used in the Lenovo S10, for what I found hands-on.
Unless the sun directly shines on the screen, the NC10 screen is always bright and contrasty enough. The matted screen helps to improve visibility under bright conditions or just when there is lighting overhead which reflection and glare will appear with glossy screens. The image sharpness of the display is not as sharp as glossy screen, though. We can't get the best of both world afterall and it's just a compromise. But I do think Samsung has made the right choice here - the screen is of no use no matter how sharp it is when there are reflections and glares which hinder viewing, especially for a netbook which is used outdoor and at different locations where the conditions are not controllable.
7. Cold machine when working: The heat drain and dissipation design of the NC10 is indeed very good. It does feel cold or just a little bit warm for most parts of the netbook (above and underneath) most of the time. This explains why this netbook has comparatively very long battery life than its competing models with the same 10" and 6-cell batteries. It converses battery energy well and other test reports do show that the battery life is far more than doubled than other 10" netbooks with 3-cell batteries.
8. Overall high performance for peripherals: The harddisk is silent and speedy. The wired and wireless LAN connections are fast and stable too. When it is compared with my other notebooks and desktop PCs, the NC10 does excels in every aspects, both in performance and stability.
9. Acceptable Portability: Size is typical for a 10" netbook. Although it is not the lightest at 1.33kg with battery, the battery pack is a full 6-cell one instead of a 3-cell one which has considerably less capacity and hence shorter battery life. But as I have said, for such a portable device, long battery life is crucial. Thanks to the superb power conservation of the NC10, I feel it is very worth to carry the extra weigh of just about 100g or so.
10. Price: At less than $400, I think this is just a real bargain. What else shall we ask for?
The Cons:-
1. Although the screen is really bright, it is rather inaccurate in the displayed colour. It looks blueish all the time, more so for the mid-tone although less for the bright white. I have checked a few NC10 demo units at different shops and they all look the same. Ditto for most other "LED backlit" screens of other models by different makers. I would confirm this to be a common issue for the LED backlit technology and actually many netbook users have reported that also (see this and this for examples). Even an expensive Sony X-series Bravia HDTV with latest LED blacklit technology just looks like the same - A female friend of mine (who knows little about gadgets but just the name Sony :-)) recently purchased a 46" model and when I went to her home and the first time the TV was turned on, I was shocked about the terrible colour cast I saw - super blueish, no matter for TV broadcast or PC screens. In fact, making a white LED is not easy and various technology barriers have been overcome but yet the technologies involved are not yet matured IMHO. I would not go into further details as those would involve Quantum Physics and Electronics ;-)
Anyway, I shall talk in the next section for more details on practically how such a blueish LED backlit LCD screen could be adjusted and calibrated so that the screen will look better and be more accurate in colour reproduction.
2. Easy scratchable silver mirror rim, although it is good looking: Actually, there are a few scratches already for my newly out of the box NC10. The box is sealed with factory anti-tamper adhesive tapes so I am sure my unit was brand new item. However, the silver shiny surface was not covered and thus there was no protection of any kind out of the factory. I accepted the (minor) scratches as it is difficult to get another one as every unit was pre-ordered at that shop, which was already a large one (the Boardway, Hong Kong). Anyway, just after a few uses, there are even much more of new scratches, despite I did handle my unit with particular care for the first few days. This good-looking mirror surface, whilst is fancy and beautiful, it is not tough and durable for practical use afterall. Anyway, if you just don't look at it intentionally, you might not be able to see all those scratches!
Also, as any mirror surface of those electronics gadgets, fingerprints are easily attached and appear on the surface which will make the surface not good looking, neither. But yet if we don't look at it intentionally, we will not see them!
3. Bundled software is buggy and/or not setup properly: The bundled McAfee Security Suite (90 days free trial) cannot be registered because there is a stupid bug which no matter what password I set and typed in, the registering program did not accept it!(?) I called Samsung helpdesk (but not McAfee'a agent, although I also had their contact number), left a contact, but then no one has replied to me then. Well, this is just a software issue anyway, and also a software by 3rd party as well;
4. Useless customer services: I actually called Samsung two times for the McAfee registering failure issue, the first lady was too innocent for what I described and she just did not understand most of what I reported afterall. So I gave up and called after a day for a second time, the guy who responded understood well what I said very shortly (as it seemed to be). He asked my contact, I gave him and then Samsung never came back to help me after that, then! Both helpdesk staff were very polite, though. But the key point is that Samsung is *helpless* in the case and their customer "service" and "support" is useless.
Pros with Cons - The VGA Output Port for External Display
I want to mention something about the built-in VGA port for external display function. First of all, this port, as in most (or all?) other netbooks, does not have a pair of screw locks for fixing the VGA connector, which could be a problem for broken connection sometimes when the connector is pulled accidentially. Besides, there are flexible display options for setting up the external VGA port. There are 3 modes: 1. External monitor only; 2. Simultaneous display on both internal and external mon by cloning the display of the netbook mon.; 3. Display in "Dual Head" mode, i.e., twin monitors with individual displays.
Once the VGA port is used, the NC10 will automatically switch to a 800 x 600 resolution. The image on the NC10 screen will be elongated, horizontally (since the native horizontal resolution of the screen is in 1024), but however, with a 4:3 external monitor, the display will be correct. The VGA output quality is quite good, I found the image is very sharp and well defined on my Panasonic Plasma TV (it is also needed to be put into 4:3 mode), with accurate and nice colours. But the cons are: other than that 800 x 600 default resolution, I could not find any other resolution setting that can fit my external screen. It is because of two reasons: 1. The NC10 does not support any display resolution higher than 600 vertically, which is just a waste of resolution when it is output to external large monitors, which are usually having much higher vertical resolution; 2. The native resolution of 1024 x 600 is of uncommon and non-VESA standards compliance, nor it is in the popular 16:9 aspect ratio but actually 16:10. As such, it cannot be used in displaying 16:9 pictures in correct aspect ratio. Anyway, this is a common issue for most 10" netbook, except this BenQ Joybook Lite U101 (but I don't like its glossy screen and actually I have not much confidence in the brand, neither).
Tips and Tricks:-
1. Make "better" default settings in the BIOS: To enter the BIOS setup, you need to hit the F2 key quickly a couple of time during startup. Under the "Boot" tab, I changed the "Brightness Mode Control" to "User Control" rather than "Auto", which is the factory default. If it is set "Auto", at everytime the NC10 boots up, the screen brightness will be at minimum, which I regard as an annoyance. The "User Control" setting will remember the last setting of the brightness level which I think should be the way to go. Similarly, another setting I changed is the the "Wireless Device Control" which by factory default it is enabled at every boot, but I would rather to set this to "Last Status" so as to save battery power and to minmise EMI (and for better wireless LAN security too since I normally turn the wireless LAN off unless I need to use it).
2. Adjusting and the display colours and screen calibration:
As discussed in the last section, I believe the problem is a common issue of the current technology, the "white" LED backlight light sources are just not true *white* and they by no means are white and accurate enough, nor I found that the response is linear, i.e., the colour temperature is not constant between highlight, mid-tone and shadows, after passing through the LCD "filter".
To tackle the problem, I first tried to use a Spyder2Pro to do a hardware calibration and tried to create and store an ICC colour management profile in hoping that the colour errors could be compensated by a "proper" ICC profile. Unfortunately, the Spyder kit failed as the wizard window in doing the calibration is higher than 600 pixels so that the next button of the wizard dropped below the whole display screen of the netbook which has a screen resolution of 1024 x 600 only. More unfortunately, there is no default "focus" on the "Next" button (or any button) for the software and thus there is no way to hit the Next button by keyboard to go on the calibration procedures unless the mouse is used (which is the only method). So, I gave up! :-(
So, after that, I tried to tune the monitor by my eyes then. Calbrating the monitor using *any* monitor "calibration" programs which use RGB dithering comparison pattern/chart is mostly useless as those kind of calibration software can just adjust the tone/response curve of individual R, G, B channel by *assuming* that the RGB prime colours are accurate by itself. Without an "eye" (i.e. hardware sensor), they could by no means know whether the displayed colours are and how accurate or inaccurate the actual displayed colours are. But since my Spyder2Pro (which has such an electronic eye) does not work, I was forced to use my own eyes by loading different standard colour test patterns and grey scale charts and accurate sample photos (including various ANSI compliance patterns by the infoComm (formly known as the ICIA - International Communications Industries Association) and then used my own eyes to judge, under different lighting conditions, indoor and outdoor, brighter and dimmer and with different colour temperatures. Well, the last fortunate thing is that I dare to say my own eyes are very colour sensitive, anyway ;-D As a side note, I chose all 800 x 600 test charts and patterns so as to fit for the screen's native resolution and a pixel to pixel display of the patterns and images was realised (they are vertically fit 100% and centred horizontally).
But, to correct the troublesome colour cast of the NC10 monitor is not easy, since the amount of blueish cast varies with different displayed levels. For bright white, it looks less blueish, in mid-tone, the problem is more serious. Also, some little Cyan cast can be noticed too (for mid-tones). Indeed, the screen displayed colours look rather strange by default, which the problems are particular noticeable when photos are viewed/edited. Last but not least, the strange thing is for displaying shadows and dark areas, the colour cast problems seem not so serious, again.
The first time I tried to adjust was to change the brightness level (actually it is just the dark level) of individual RGB channels. I decreased and pulled down the B line and raised R and G (with more R), I was able to successfully make the mid-tones and their colours look better but then the low level greys became yellowish and the highlights became more purpleish which yet make viewing look odd again, even just for web browsing. The problem was caused by individual colour channel clippings, near dark and the brightest levels. Look at this screen capture and you will understand:-
In this illustration, I have entered a higher brightness level for both R and G (with strong R than G too) and decrease the Blue level. In real, the following settings could work: R +10, G +5, B -15: The results: The overall mid-tone is retained with some little clipping/colour changes of highlights and shadows, as you can see from the tone curves.
Finally, I ended up to change the Gamma values, with an intention to merge and fix the starting point at total darkness for all the RGB channel for the response curve and ditto for the brightest end point, i.e., the highest level. As discussed above, there is too much Blue and with also with some Cyan cast. To correct the dominated blue, I needed to add Yellow or to decrease Blue. But there is no way to decrease the Blue level as the Gamma of the Intel display driver do not have a value less than 1 for selection. So, the only way is to add R and G at the same time to a new value of Gamma=1.1 for both, which is effectively equal to add Yellow and to counteract the Blue. To remove also the Cyan (which really makes skin tones look odd), I further raise the Gamma of the Red channel to 1.2. After this, actually the display looks somehow a little bit more red but it is yet more pleased to my eyes than had the Cyan tone visible. Here is the screen capture of the current display driver colour settings of my NC10:-
After the above adjustments, my standard test patterns, grey scales and sample pics now look much better. The lowest and highest greys are still able to be displayed too (which the Samsung display hardware by itself has been made quite good and be able to display these, except for extreme values like (grey) Level 4 or 251 and beyond).
Anyway, I still do not totally like the overall colour tone of my calibrated NC10 screen for two remaining reasons, despite that it now looks much better than ever before (and then any other uncalibrated NC10 units, I bet): 1. The mid-tone and the whole image look a little bit brighter than it should be for the mid-tone. It is simply because where the R and G channels are boosted most there; 2. The overall colour temperature is still higher than I like (it looks like some kind of 9300K hardware calibration rather than 6500K which look warmer and more natural - my default colour temperature of my desktop EIZO monitor (the most accurate LCD monitor in my home) is put into sRGB mode (which has the 6500K colour temperature for the standard).
Updated 9-6 - A better default setting at the display driver:
I had actually successfully calibrated my NC10 monitor using my Spyder2Pro with the aids of an external monitor connected to the VGA output port so that I can go through the calibration wizard on the external monitor whilst calibration was made for the NC10 screen.
A profile was generated and the result was good, except that the screen still looks overall a bit yellowish, especially for shadows. The new profile can be loaded by some LUT loading utilities (see the Comments Section below for details with URLs for those). But the real issue is that the LUT will be reset each time according to the Intel display driver settings each time when the netbook is waken up from the sleep mode when it is put idle for a certain period.
So, after more testings and tweakings, I have been able to find a new better set of settings for the display driver for those "colour correction" values at the display driver. This, whilst has some pros and cons over the "properly" calibrated one by the Spyder2Pro in terms of colour accuracy, the best thing is that the colour settings are remain in force as long as the netbook is turned on and it will not be changed even after waking-up from the sleep mode. Here it is:-
Red: Gamma 1.2, Brightness -5, Contrast 51;
Green: Gamma 1.1, Brightness -10, Contrast 51;
Blue: Gamma 1.0, Brightness -15, Contrast 51
As a final remark, these settings are not suitable for an external display that is accurate by itself, e.g., my Panasonic Plasma display which is highly and *very* accurate in colour rendition and tone reproduction. The changed settings are only set in the sole purpose to correct the hardware errors in the incorrect colour reproduction of the NC10 LED-backlit LCD screen and display. The default Intel settings are most suitable, in contrast, for an external display that is accurate. To load the factory default of the LUT, a Reset command of that LUT loading utility should be issued and one of the tools as posted in the Comments Section that support the command line would be the best tool to do the job (just write a simple command line in a batch file and make a shortcut to it at the Windows).
3. Touch Pad Fine Tuning: I disabled horizontal scrolling and some other useless function of the "Synaptics" touchpad, which is feature rich but not much useful practically, to make the short touchpad's usable area much larger by re-enabling the whole vertical area of the touchpad to be useful just a a pointing device. Do note that the touchpad of the NC10 is already short vertically, It think it is very unwise to even reserve a portion of the bottom area for "horizontal scrolling" by default. In fact, it is ironical that sometimes we tend to forget the most basic tool which are readily available but very easy to use: Why not just use the Arrows to navigate?(!)
To change the settings, just go to the Control Panel -> Mouse Settings and then select the "Device Settings" Tab and then click the "Settings" button:-
Next, under the "Virtual Scrolling" setting, disable "Horizontal Scrolling" and "ChiralMotion Scrolling" by uncheck the corresponding two boxes as below:-
And then you will see the following preview for the "Scrolling Area(s)" as below, with the Horizontal Scrolling area disabled:-
Besides, I did also maximise the "sensitivity" (actually the moving speed) of the touchpad pointer and I found that it is more easy to use with maximum speed, owing to the small size of the touchpad:-
Lastly, I maximised the pressure sensitivity of the touchpad to make it most sensitive so that I can use minimum and lightest force to drive the pointer and to do the tapping:-
Last Comments
Afterall, I must say that Samsung have done an superb and excellent job with their NC10, which in my opinion is the best netbook made so far. It seems that Samsung have been doing much better with their computing and all other consumer electronics products including mobile phones, TVs or even DCs, etc.). But unfortunately Samsung is not doing well in the DSLR market, especially when their achievements in other areas and products are compared. Well, I think I am just not a customer whom is very difficult to please, although I admit that I am picky :-) (which just mean that I have my insistence on some of my essential user requirements - not much different from many others). As long as the gadget makers have done good enough and be better than the average Joes who just produce mediocre products, I will be satisfied.
Well, anyway, when will Pentax (or even Samsung) develop and make similar competitive or even strong/leading product(s) in the DSLR field and for the DSLR market??
P.S. This is the first time I write a review on electronics gadget other than digital DSLR gear and related stuff, I hope anyone who have read this review do like my review and find it useful! See you next time.


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The 3D Scanner That Puts You in a Video Game
"The 2009 blockbuster 'Avatar' once employed 900 people in New Zealand to work on its ground-breaking visual effects. But effects that once took a small army to process could soon happen to an image of your face in a matter of minutes and with the press of a smartphone button.
This transcript has been automatically generated and may not be 100% accurate.
... he again with a year or that look just like you and all of really taken the simple thing and then there's Mark though ... will that technology may soon be a reality thanks to Mimi for canning the Wall Street Journal's Michael coffee tells us about the Allied intervention in the virtual world ... if you want to be a movie star in the next digital blockbuster ... you might get you the skin ... our goal is to build digital characters that one on the screen ... people think that they're ... real people ... here at USC's Institute for creative technologies researchers are building devices like this call by state tax to create three D models from movies and video clips ... EU ... it's how they made Brad Pitt look like this for Jeff bridges look twenty years younger in the new trial ... Spiderman ... Superman returns in our ... hands are ... curious case of Benjamin button ... Abbot our ... the Avengers Lone Ranger oblivion ... many more to come ... Dr Paul that depicts as his digital models are nearly indistinguishable from live action video ... thanks to a decade of advancements ... all the way down to the level of skin pores and by increases we get a tenth of a millimeter accuracy of this book ... like stage acts analyzes how off base reflects light under any condition ... it has three hundred and forty six computer controlled light sources and seven ... super high definition sports photography cameras ... this was the first device that can generate ... any color polarization intensity and direction of life simultaneously ... real actors then paid to the stocks ... the also the middle of the state ... and we will do the sky is up to ... thirty different facial expressions ... Porsche's promotions surprise here ... happiness is not ... to get an alphabet of everything in their face ... then technical artists piece together different views to make three D models with from any angle ... the movie studio's them but those on the big screen ... videogames are another front here for late stage acts ... I read ... a digital model created in ... the videogame giant Activision ... characters like this to the here and this years new game console by Sony and Micra soft ... they could even interact with white ... it's been in the ... US of move much more visceral and I hope something that's conducive ... to ... video games that are much more like simulating ... real human interaction and not just trying to ... shoot them to be the biggest what's what ... in the future get that that things people could scan their own faces from home five to ten years in the future you'll be a will to take out your smartphone ... she will do a video ... of her face from different angles and then you can become a character in the beginning of the committee ... some creepy looking thing worth like a photo of your teeth on top of some of the boxes had ... it's gonna feel like ... you the latest Clinton offered here and now is the ... expression of of the way to pour your character is just winning allow for getting chased by zombies ... to me the way that you would actually what ... that was happening perhaps it'll soon be your turn to get scanned into the virtual world ... but whether you use you were at the heart of battle zombies or play the World Cup ... that's up to


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Guillen said the main reason the move was made was because Wise gives him a speed guy off the bench that can pinch run late in games and brings some speed off the bench.
As far as the organization is concerned, there is an underlying feeling that while both players played the game hard, Wise played the game hard to stay here, while Anderson was playing hard in hopes of playing somewhere else.
What is more valuable late in games, speed or defense? I think defense. Steve Stone says the Sox didn't want to expose Wise to waivers. Why? Were they afraid someone would claim him? And if they did, so what?


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I'm interested in $n \times m$ joint probability tables with prescribed row and column marginals. Such tables form a convex set known as the transportation polytope. What are the extreme points of this set?
For example, for a $2 \times 2$ case of $$\begin{bmatrix} x_{11} & x_{12}\\\\ x_{21} & x_{22} \end{bmatrix}$$ with row constraint $x_{11} + x_{12} = 0.9$, column constraint $x_{11} + x_{21} = 0.8$, and $\sum_{i,j} x_{ij} = 1$, then there are two extreme points, $$ \begin{bmatrix} 0.8 & 0.1\\\\ 0 & 0.1 \end{bmatrix}, \quad \begin{bmatrix} 0.7 & 0.2\\\\ 0.1 & 0 \end{bmatrix}. $$ And every joint table with the constraint lies in the convex hull of these two points.
Is there a general way of finding the extreme points? In other words, is there a generalization to Birkhoff–von Neumann theorem for this case?


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The individual or the contractor doing the work should always obtain their own permit. A homeowner can obtain their own permit only if they are going to do the work. If a contractor or anyone other than the homeowner is going to do the work, they should get the permit. Homeowners are always responsible for what takes place on their property, therefore if a homeowner has someone do work for them that requires a permit, both parties are responsible.
Show All Answers
Permits are required to construct, enlarge, alter, repair, move, demolish, or change the occupancy of a building or structure, or to erect, install, enlarge, alter, repair, remove, convert, or replace any electrical, gas, or plumbing system.
How do I rent a Recreation Facility?
City of El Dorado Newsletter
Please call the Public Works Department at 322-4481
El Dorado Reservoir is an 8,400-acre lake with a storage capacity of over 50 billion gallons. This amount of storage should allow the city to draw 22 million gallons per day even in what is classified as a 50-year drought. Water from the lake is transported through large mains to the water treatment plant.


text: Watch Today Online 24 Oras November 9 2019 Complete Episode in hd. 24 Oras is one of the most popular and famous Pinoy Tv show of the day. Pinoy Channel netwok broadcasted this tv serial recently and its rating is up to the mark. You may watch all latest 24 Oras Tv Show Episodes here on ofw pinoy channel. Keep watching latest episodes and teasers of 24 Oras tv show right over here. Stay tuned to watch more ABS CBN & GMA Network Tv Shows. 24 Oras Nov 9 2019 latest Tv Show episode updated right here on this page. All video parts be updated as soon as aired by the official website. Bookmark and share our website link with your social circle to watch more Pinoy Channel Tv Network based tv shows.


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SJH Software Inc needed a new logo design and created a contest on 99designs.
A winner was selected from 71 designs submitted by 27 freelance designers.
Need logo for free emoticon/smiley webpage. Something "web2.0" would be nice, probably lots of yellow. Will pay $150 to winner. I own the logo after and have full rights to use at my discretion.
Looking for some use of smileys, probably lots of yellow. Keep it simple but smooth. I would also be interested in suggestions for the interface. I can change my CSS to match it.
- emotty
- smiley
- Interested in all ideas
Find out how a design contest works or learn more about our logo design services.


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S.P. Bohra
Smt. Sumitra Devi Bohra
Relationship Nandwana
Relatives Nandwana
Thank you for your donation.
We have 73 guests and no members online
11-07-2014 Hits:541121 News Pankaj S Bohra
All the member of the website can edit their details after giving the same Username and Password.
11-07-2014 Hits:4472083 News Pankaj S Bohra
Matrimonial website for Nandwana Community launched. Please registered First in order to get the benefit of our Matrimonial. Regards Pankaj S Bohra


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Shop All Sale
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"I give this to my son-in-law every year. He looks forward to getting it." -Dra
About Sellers Publishing>
Sellers Publishing offers more than 175 calendars in seven formats. Choose from Wall Calendars, Boxed Daily Calendars, Weekly Engagement Calendars, Desk Pads, Mini Calendars, Planner Calendars, and 2-Year Pocket Planners. Sellers Publishing, creator of the High Note® collection, is an award-winning publisher of calendars, greeting cards, books, and journals. Frequently cited as one of the fastest growing independent publishers in the United States, Sellers Publishing offers calendars with topics ranging from pets to comics and scenery to fine art.
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Do you need some daily inspiration or just a good laugh to start your day? Start every day off fresh with one of the many 365 day desk calendars available. These charming day by day calendars are a great way to keep track of the date and eager to see what tomorrow holds. Whether you enjoy encouraging messages, learning a new language, snarky quotes, adorable animals, trivia, puzzles or Bible verses, there is a daily desk calendar for you. Decorate your office cubicle, kitchen counter, or any other spot where a box calendar will fit! The best way to start the day is with one of our many Page-a-Day Calendars or a stunning Gallery desk calendar available in many sizes and page formats. Tear off the page on an adhesive bound calendar or change to the next day with one of our many loose-leaf calendars. Save your favorite messages, comics, or images for later use. You can enjoy a new image or quote every day of the week! Calendars.com has a large selection that is sure to please everyone.


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This event has passed.
Rocky's Live Music
July 20, 2019 @ 6:30 pm - 9:00 pm
|Recurring Event (See all)
This event takes place every Friday, Saturday, and Sunday night at 6:30pm.
Looking for a dining experience that also offers live Cajun music? Then Rocky's Cajun Kitchen is just the spot. Rocky's specializes in Cajun cuisine, plus the restaurant has a full-service bar, a music stage, and a dance floor.
Every Friday and Saturday night, you can hear Cajun music bands right at your dinner table. The bands start at 6pm and play traditional Louisiana tunes. On a Wednesday night, you can also catch a Cajun music jam session.
5 – Cajun on Demand
6 – Donny Broussard
7 – Troy LeJeune and the Cajun Revue
12 – Paul Daigle
13 – Jason Frey
14 – Gartcathey Band
19 – Steve Miller
20 – Wallace Trahan
26 – Sheryl Cormier
27 – Cajun Stompers
28 – Jamie Berzas Cajun Band


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Set a Goal. Make a Plan. Save Automatically.
Military Saves Week starts February 24 and runs through March 1. In the weeks leading up to and including Military Saves Week, many installations host programs and events that focus on saving. I'd like to take this opportunity to encourage you to attend one of these events. Why? I know many join the military because it provides a steady dependable paycheck, and if a service member stays in for more than 20 years, the retirement pension is guaranteed at a set and predictable rate. However, recent events (cuts to the COLA, a 1% pay raise for 2014, and proposed changes to the commissaries) show how uncertain those guarantees are. We are all one congressional vote away from any change to the benefits packages that were offered when our service member signed up.
It's simple, really. Like the old saying goes, "The only guarantees in life are death and taxes." I've said before that as military families, we prepare for the worst and hope for the best. This is just as applicable in your financial life as it is anywhere else. So, if you get that retirement pension for military service, great! This does not negate your responsibility to save for your retirement. Make sure you are using the Thrift Savings Plan (TSP), use the Savings Deposit Program (SDP) during deployments, and open up a Roth IRA (yes, I said "and," it's called diversification). There are a million ways to save your money to ease your long-term financial worries and burdens, and that means a more peaceful and enjoyable retirement. Don't we all want that, especially after living a military life?
On that note, I will point out that not everyone who joins the service will stay in for 20 years or more. In fact, only 17% who serve end up making it to retirement. So, savings should start as early as possible and as often as possible. Another old saying tells you to pay yourself first. Find 10% of your income to pay (to yourself) in a retirement account. The earlier you start, the more money you will have at retirement because those first dollars grow the most.
One more big point I want to make is for you spouses, yeah, you, the one who is keeping the checkbook balanced, holding down the homefront, or running around like a chicken without a head, savings is also for you! There is no reason why all of the retirement and savings needs to be in the service member's name or in connection with their employer; get some savings in your name, too. I am not implying that your marriage is on the rocks. I am reminding you that life happens, and facilitating your ability to take command of the ship if you need to, is part of having a secure family. You deserve to have assets, savings, and a nice credit score, too. These are all important factors for long-term financial success, regardless of whether you are inseparable for life.
Military Saves has a great motto this year, "Set a Goal. Make a Plan. Save Automatically." Their website has tools and resources for you to learn how to save smart and make the most of your financial power. Take some time this month to learn more about how you can build your family's wealth!
Have you considered savings as a spouse? Share your thoughts!
Posted by Brooke Goldberg, Government Relations Deputy Director
0 CommentsAdd yours


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Who doesn't love a pop-up card? Even if it is an ecard! This funky 3D greeting card is perfect for any kind of celebration that needs a pop of fun! Perfect for a birthday, an anniversary, fiesta de quinceañera, and more! It has it all - presents, balloons, and wishes for a great day. Send a funky greeting card now to someone special.
Whimsical and carefree! Want to take a walk in the garden? Stop and smell the roses? Watch a butterfly flit by? Go right ahead! This fun greeting card is all about happiness and remembering to appreciate the little things in life. The design is full of bold colors and eclectic patterns that add a wild and funky touch to this unique card.
A lush display of wildflowers is a lovely way to wish someone a great day! Have you ever seen such vivid colors? This card is soulful, vibrant, and gorgeous. We love the rich magentas, the plums and indigo, the sunset orange that ignite on the petals of the flowers. Liven up someone's inbox, and brighten their day with an artistic greeting card.
It's the little things that count, like a receiving a beautiful card when you aren't expecting it! The watercolor bouquet boasts vibrant colors sure to brighten anyone's day. The flowers are made even more bold set in the simple line drawn pot. Wish someone a great day and put a smile on their face with this very thoughtful greeting card.
Hang loose and have a great day! The sun is hot, the surf is right, get out there and enjoy your life! Whether by the beach or not, the message is clear - there is no time like the present, so go out and create some fun! Know someone who could use a lift? Send a laid-back, fun-loving greeting card to make their day.