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Valid from: 01/08/2021
Visa Payment Card Account Terms and Conditions
These Terms and Conditions apply to your Visa payment card account and Visa payment card. Please read them carefully. You can download a copy of these Terms and Conditions at any time from within your online account portal. Log in here
The Paysera account and Visa payment card are e-money services provided by Finansinės paslaugos "Contis", UAB. Your distributor may transfer funds from a wallet you hold directly with them to cover the value of transactions you make using your Visa card.
In these Terms and Conditions:
"Distributor" means "Paysera LT", UAB, legal person's code 300060819; Electronic money institution licence No. 1, issued on 27/09/2012; the issuing and supervisory body is the Bank of Lithuania www.lb.lt; data about "Paysera LT", UAB is collected and stored at the Register of Legal Entities of the Republic of Lithuania, distributing the account and card to you.
"You" means the named account holder being the authorised user of the Paysera account and Visa payment card and any additional cardholder.
"We", "us", or "our" means Finansinės paslaugos "Contis", UAB or the Distributor acting on behalf of Finansinės paslaugos "Contis", UAB .
If you have any questions you can contact Client Support by:
- Phone: +44 20 80996963 (standard geographic rates apply);
- Email: [email protected]
- Online: Log in to your Paysera account at www.paysera.com and click on Messages > Write a Message;
- Mobile App: tap on Profile > Contact support in your Paysera Mobile app and send us a message;
- Post: Paysera LT, UAB, Pilaitės pr. 16, Vilnius, Lithuania.
1. What is a Visa payment card account and card?
A Visa payment card account is an electronic money account from which you can make and receive payments.
A Visa payment card is a Visa payment card that can be used worldwide wherever Visa is accepted. It can be used online, in shops, over the phone, or to withdraw cash from an ATM.You can only spend money that you have paid into your Visa payment card account, so before making transfers or using your card you need to make sure there are enough funds in the Visa payment card account. Funds in the Visa payment card account are not bank deposits and do not earn interest.
2. Who can apply for a Visa payment card account and card?You must be at least 16 years old and an EEA resident to be issued a Visa payment card account and card. You can only apply if you are currently a client of the Distributor (you have opened a Paysera account and fulfilled the due diligence procedures required by the Distributor and confirmed your identity). You must provide an email address and mobile phone number to open an account so that we can communicate with you. There is a maximum of four accounts for a private person and 20 accounts for a legal person at each residential address.
3. Can I order an extra Visa payment card on my account for someone else?
You can request an additional Visa payment card for an additional cardholder and you may be charged a fee as detailed in the Fees and Limits table (section 33). Additional cardholders must be at least 14 years old. By requesting an additional card for another person, you agree for us to issue them a card and for them to authorise transactions on your behalf. The additional cardholder shares the balance and limits on the Visa payment card account.
You agree to hold the responsibility for all transactions carried out by any additional cardholder and that you will be responsible for the use of the additional card and for any applicable fees and charges the additional cardholder may incur.
4. How can I apply for the Visa payment card account?
You can apply through our website.
Before we can open an account for you and issue you with a card, we will require evidence of your identity and we may require evidence of your residential address. You may need to provide us with documents such as your passport, driving licence, national identity documents, utility bills, bank statements, or other documents to confirm your identity. We will also need to carry out checks on you electronically.When ordering the card(s), you shall have a sufficient amount of funds on your Paysera account to settle for card issuance, delivery, and one month's maintenance fees. If the amount of funds on the Paysera account is insufficient, you will not be able to order the card(s).
Card issuance and delivery fees are automatically deducted when ordering, and a monthly card maintenance fee is deducted at the moment of activation of the card.
The card shall be delivered to you via mail to the indicated address within 60 (sixty) days after the order. If you do not receive the card in one calendar month, you shall inform the Institution thereof.
If it is determined that you have not received the card through no fault of your own, the card sent to you will be permanently blocked and a new card will be produced and sent to you free of charge. If you do not receive the second card as well, you will be able to receive a new card at the Paysera office.
5. How do I get started?
As soon as you receive your card you must sign the signature strip on the back.
You will then need to activate your card. You can do this by logging in to your Visa payment card account at www.paysera.com.
You also need to obtain your PIN to authorise chip-and-pin transactions and ATM withdrawals. You can get your PIN when you activate your card through your online account.
By activating your card you are agreeing to these Terms and Conditions. All provisions of the General Payment Services Agreement for Private or Business Clients, and the Supplement "Payment Instruments" are also applied to you (in respect of account opening).
Your card must be activated within 3 months of it being issued or it may be automatically cancelled and your account may be closed.
If you have ordered a card for someone else, it is your responsibility to give them the information required to activate the card and retrieve the PIN. If they start using the card we will take this as confirmation that you have communicated these Terms and Conditions to them and that they have accepted them.
In case the envelope is damaged or suspicions arise that the card may have been extracted from the envelope, you shall not activate the card received via mail, inform the Distributor thereof (within 24 hours), and return the envelope with the card to the Distributor.
6. What if I want to change my PIN?
If you want to change your PIN, you can do so at any ATM with PIN management functionality - locate ATMs with the "PIN change" attribute at https://www.visa.com/atmlocator. You can get a reminder of your PIN through your online account at www.paysera.com.
7. How do I add funds to the Visa payment card account?
You may pay into your account through your account at www.paysera.com.
The time taken to credit funds to your account will depend on the method of deposit used. You cannot pay into your account by a balance transfer from a card. You may only pay in funds up to your maximum account balance.
A fee may apply for payments into your account, please refer to the Fees and Limits table (section 33). Certain minimum and maximum limits and usage requirements apply to your account and card; such limits and requirements are detailed in the Fees and Limits table (section 33). We reserve the right to refuse to accept any particular payment if we suspect any fraudulent activity or in the event of other exceptional circumstances.
As soon as we receive the funds that you have paid in, they will be on your account and ready to use. There may be occasions when we delay the funds reaching your account for up to three working days, this may happen when we need to confirm the transaction with the sending bank.
Where an overpayment has been made to your account in error, we reserve the right to debit the account with the excess amount to correct the payment transaction.
8. What transactions can I make?
You can use your Visa payment card to authorise the following transactions to merchants that accept Visa payment card payments:
- Chip and PIN card payments by inserting your Visa payment card in the terminal and inputting your PIN;
- Magnetic Stripe card payments to any merchant that cannot accept Chip and PIN cards by signing the sales voucher;
- Contactless card payments by waving the Visa payment card over the contactless card reader;
- Internet card payments to online merchants by providing the Visa payment card details and any other security details such as your secure code credentials as requested by the online merchant;
- Mail order or telephone order card payments to merchants by providing the Visa payment card details as requested by the merchant;
- ATM cash withdrawals at ATMs displaying the Visa logo by inserting your Visa payment card into the ATM, inputting your PIN, and following the instructions at the ATM;
- E-wallet payments by adding your card to the Samsung Pay, Google Pay, or Apple Pay (when available) wallets in your mobile phone and waving your mobile phone over the contactless card reader or checking the e-wallet option online. You authorise the e-wallet transaction using your mobile phone security protocol which may include biometric information such as fingerprint or face ID on your mobile phone.
Like in case of other payment cards, we cannot guarantee a third party or ATM will accept your card.
You may, in addition, be required to enter a one-time passcode or other security information including, if available and you opt for this type of identification, biometric information to authorise a transaction or make account amendments. One-time passcodes will be sent to the mobile phone number registered to your account.
As soon as a transaction is authorised we will deduct the value of your transaction from the available balance on your account. Fees may be deducted at the time of authorisation or when the transaction has been confirmed through the Visa system. A full breakdown of each transaction, including charges, will be available to view on your account.
Once we have received authorisation for a transaction we will transfer funds to the retailer within 3 days, or to a bank or financial institution on the day we receive the authorisation, or the day you requested the payment to be made for transactions dated in the future. A transaction will be received for Visa card transactions when we receive the transaction instruction from the retailer or ATM operator.
9. Can I cancel a transaction?
Generally, authorisation for a transaction may not be withdrawn by you. However, you may be able to withdraw your authorisation where you have authorised a transaction which will take place on a future date. However, where a specific date is agreed, you may not revoke a payment order after the end of the business day preceding the agreed date.To withdraw your authorisation of a Visa payment card continuous payment authority, you must notify the retailer before the closure of business on the business day before the day on which the transaction was due to take place and provide us with a copy of the notice if requested.
We may charge you a Cancellation Fee if a transaction is revoked by you under this paragraph (see the Fees and Limits table (section 33)).
10. Can I pay for things in a foreign currency?
Your card is denominated in euro. If you make a purchase or an ATM withdrawal in any other currency we will convert the sum into euro using the exchange rate set by Visa on the day they process the transaction, this may differ from the actual date of the transaction.
If you use your euro denominated card in a European country, which doesn't use euro, you may receive a notification from your provider showing the exchange rate used and the euro amount, along with the per cent difference between the rate applied by the card scheme and the European Central Bank (ECB) rate.
An international transaction fee will apply to each of these transactions (see the Fees and Limits table (section 33)).
When you add funds to the Visa payment card account in a currency other than euro, the currency is automatically converted according to the currency exchange rate of the Distributor valid at that moment, which is constantly updated and published on the Paysera website.
Any changes to the exchange rate used to convert foreign transactions will be made immediately. You can find the exchange rate for a transaction made in a currency other than euro on a given date here.
11. Is there anything I can't buy with my Visa payment card?
You may not use your card for illegal purposes. It also cannot be used for a limited number of specified transactions. Please see Article 9 of the General Payment Services Agreement.
12. How can I check my Visa payment card account?
You can check your account by accessing it securely through our website. Your statement will show:
- information on the payee of each transaction and a reference enabling you to identify each payment transaction;
- the amount of the transaction shown in the currency in which the transaction was paid or debited to the account;
- the amount of charges for the transaction;
- the exchange rate used in the payment transaction (where applicable); and
- the date the transaction is authorised or posted on to the account.
This information is accessible at all times via on your account, is available free of charge, and can be stored and reproduced as necessary. Paper statements are available on request and are subject to a fee (see the Fees and Limits table in section 33).
You may, in addition, be required to enter a one-time passcode or other security information including, if available and you opt for this type of identification, biometric information to access your account. One time passcodes will be sent to the mobile phone number registered to your account.
13. How long will the Visa payment card last?
Your card will be valid for 4 years. You will not be able to use your card after its expiry date. This agreement shall terminate when your card is cancelled or expires and is not replaced.
Upon expiration of validity of the card(s), a new card is issued to you automatically (if at least one payment transaction with the card had been performed within 90 days before the card expiration date) by sending it to the address indicated by you in the Paysera system.
If you wish for the new card(s) to be delivered to another address, you have to indicate it in the online account in the Paysera system not later than 30 days before the card(s) expiration date under instructions provided in the Paysera system.
For issuance and delivery of a new card(s) the standard fees are applied, which are automatically deducted from your Paysera accounts at the time of the card renewal.
14. Does the Visa payment card account and card have spending limits?
You can only spend the money that is paid into your account. Limits also apply to daily ATM withdrawals, and other limits may be applied to the amount of spending and the number of transactions you can perform. See the Fees and Limits table (section 33) and your online account portal for further details.
If, for any reason, the transaction is completed when there are insufficient funds in your account then you will have to reimburse the shortfall to us, unless it is due to an error by the retailer with whom you made the transaction.
We may collect this shortfall from any card you have with us or from any funds which you subsequently pay into your account. We may suspend your cards until the negative balance is restored.
15. What if I have been overcharged or charged for transactions I didn't make?
If you dispute a transaction that has been processed on your card you should contact the merchant first as this may lead to the quickest resolution. If the dispute cannot be resolved with the merchant or you dispute any other account transaction you should contact us without undue delay and in any event within 13 months of becoming aware of any unauthorised or incorrectly executed payment transaction.
Where you have informed us that an executed payment was not authorised by you in accordance with these Terms and Conditions, and you have taken all reasonable steps to keep personalised security information safe, keep your card secure, not disclosed your PIN or security information to anyone else and not acted fraudulently, we will:
(a) refund the amount of the unauthorised payment to you; and
(b) restore the debited payment account to the state it would have been in had the unauthorised payment not taken place.
Beyond this, we will have no further liability to you. Where payee details provided by you are incorrect, we are not liable for non-execution or defective execution of the payment transaction, but we will make reasonable efforts to recover the funds involved in the payment transaction and notify you of the outcome.
You may be entitled to claim a refund in relation to transactions where:
- the transaction was not authorised under these Terms and Conditions;
- we are responsible for a transaction which we fail to execute or incorrectly execute. In these circumstances, we will refund to you the amount of the non-executed or defective payment transaction and restore the debited payment account to the state in which it would have been had the defective payment transaction not taken place. We will also refund to you: (a) any direct charges for which you are responsible; and (b) any interest which you must pay, as a consequence of the non-execution or defective execution of the payment transaction; or
- a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged is more than could reasonably be expected, taking into account previous spending patterns on the card and the circumstances of the transaction. We will either refund the full amount of the payment transaction or provide justification for refusing to refund the payment transaction. Any refund or justification for refusing a refund will be provided within 10 business days of receiving a request for a refund or, where applicable, within 10 business days of receiving any further information requested. A claim for a refund in these circumstances will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being charged to your account.
16. What about security?
You must keep your card and security credentials safe and not let anyone else know or use them. You must keep your security information secret at all times; never disclose your PIN or security information to anyone and do not store details of your PIN with your card. Security information includes your login and password details used to access your account or any other website where your card or account details are stored. We also recommend that you check the balance on your account regularly through logging onto your account at our website or by contacting Client Support.
17. What if my Visa payment card is lost or stolen or my account details are compromised?
If you lose your card or it is stolen, or you suspect that someone else has found out your PIN or security information or accessed your account without your permission, you must notify us without undue delay by phone or through your account. Your card will be cancelled immediately and your account may be blocked. We run a dedicated line for lost or stolen cards; Calls are charged at the standard geographical rate. If, after reporting a lost card, you subsequently find the card you must not use it. Cut it in half through the signature box, magnetic strip, and chip.
If you ask us to do so, and provided that you provide the information and assistance that we request from you, we will investigate any disputed transaction or misuse of your card or account.
If the investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your card, security information or PIN secure, or by failing to notify us without delay on becoming aware of the loss, theft, misappropriation, or unauthorised use of the card or account), then we will not refund the transaction amount and you will be fully liable for all losses incurred because of the unauthorised use of the card or account.
If the investigations show that you have not acted fraudulently or with gross negligence, your maximum loss or liability to us for any unauthorised transaction will be limited to 50 euro and we will process a refund as soon as practicable, and in any event no later than the end of the business day following the day after we receive your notification.
18. Will you ever block a transaction without me asking?
We may refuse to pay a transaction:
- if we are concerned about the security of your card or account or we suspect your card or account is being used in an unauthorised or fraudulent manner;
- if sufficient funds are not paid into your account at the time of a transaction to cover the amount of the transaction and any applicable fees;
- if there is negative balance on your account;
- if we have reasonable grounds to believe that you are not using the card or account in accordance with these Terms and Conditions;
- if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or
- because of errors, failures (whether mechanical or otherwise) or refusal to process a transaction by merchants, payment processors, or payment schemes such as Visa, SEPA, BACS, CHAPS, or other.
If we refuse a transaction, we will tell you why immediately, if we can, unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting Client Support.
The card might also be permanently blocked and cancelled if you use the wrong PIN 3 (three) times in a row while using an ATM or at a point of sale.
We may temporarily suspend use of the card due to important reasons (maintenance or development works, change of software, etc.).
19. Can I cancel my Visa payment card account and card?
You have a legal right to cancel your account and card up to 14 days from the date your account is opened without incurring any penalty and we will refund any card issue fees. We may charge you a Card Cancellation Fee if we have already incurred costs by ordering a card in your name. You can also cancel your card any time after the 14 day period subject to any fees as outlined in the Fees and Limits table (section 33) by contacting Client Support or through the mobile application or website. You should also cut your cancelled card in half through the signature box, magnetic strip, and chip.All fees and charges will be apportioned up until the time of the termination of the contract, and any fees and charges paid in advance will be reimbursed proportionally. You will not be entitled to a refund of money you have already spent on transactions authorised, pending, or any fees for use of the card or account before the card or account is cancelled or expires.
20. Could my Visa payment card account be cancelled?
We may cancel your account and this agreement by giving you at least two months' notice. Reasons for cancellation may include:
- if this agreement or your card expires;
- if you break an important part of this agreement, or repeatedly break the agreement and fail to resolve the matter in a timely manner;
- if you act in a manner that is threatening or abusive to our staff, or any of our representatives; or
- if you fail to pay fees or charges that you have incurred or fail to pay back any negative balance on your card.
We may also cancel your card or block your account immediately if we:
- suspect unauthorised or fraudulent use of your card or account;
- have any other security concerns;
- need to do so to comply with the law;
- if you fail to pay fees or charges that you have incurred or fail to pay back any negative balance on your card; or
- there are other reasons for such actions under the legislation or the General Payment Services Agreement.
We may also deny access to your card and/or account where we consider it to be at risk of money laundering or terrorism financing, fraud, or other criminal activity. Should we need to take these actions and where possible, we will give reasons for doing so except where restricted by law.
In these circumstances, you must tell us what you want us to do with any unused funds. You must do this within 3 months of the date we tell you that your account is cancelled.
21. Can I get money back once I have put it on?
You can clear the balance on your account through spending and ATM withdrawals, or transferring it through your account. See the Fees & Limits table (section 33) for the fees that would apply.
Alternatively, you may request a refund of the funds on your account by contacting Client Support and confirming that your card has been destroyed by cutting it up. We will transfer your funds back to you at no cost, unless:
- you are requesting redemption before termination or expiry of this agreement;
- you cancel this agreement before any agreed termination or expiry date; or
- you request redemption more than one year after the date of termination or expiry of this agreement.
If one of these situations does apply then we will charge additional fees (see the Fees and Limits table (section 33)). In all other cases no additional fee for electronic money redemption is applied. In the event of redemption of electronic money, you pay a regular commission fee for a money transfer or withdrawal which depends on the method of electronic money transfer/withdrawal chosen by you.
Standard Paysera commission fees for money transfer/withdrawal are applied.
We will not redeem the value of the funds on your account to you if your request for redemption of the funds is more than six years after the date of termination or expiry of this agreement.
All funds will be returned to a bank account of your choice in euro. We reserve the right to see proof of your ownership of the bank account before transferring funds to it. To enable us to comply with our legal obligations, we may ask you to provide us with certain information such as identification documents before we can process your refund request. In case we cannot repay funds to the account indicated by you due to reasons beyond our control, we will notify you thereof immediately. Then we ask you to indicate another account or provide additional information necessary to repay the funds (execute a payment).
Please also refer to section 28 below for the circumstances in which we do not give you a refund.
22. Is money on my Visa payment card account protected like my bank account?
The account and associated card are an electronic money product and although we are supervised by the Bank of Lithuania, it is not covered by the Deposit Insurance Fund of the Republic of Lithuania. No other compensation scheme exists to cover losses claimed in connection with the account and associated card. We will however ensure that any funds received by you are held in a segregated account so that should we become insolvent your funds will be protected against claims made by our creditors.
23. What if I have a complaint?
If you are unhappy in any way with your card and account or the way it is managed, you can contact Client Support so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly.
We will make every possible effort to address all points of complaint by email. We will respond within 15 business days upon receiving the complaint. If a full response cannot be provided within these timeframes, we will send a holding reply with a full response to follow within 35 business days.
If we are unable to resolve your complaint to your satisfaction and provided you are a consumer you may apply to the consumer dispute resolution institution – the Bank of Lithuania – by filing out a free-form application and sending it to the Supervision Service at the address provided on their website.
24. What if I change my details?
You must let us know as soon as possible if you change your name, address, phone number, or email address. If we contact you in relation to your account we will use the most recent contact details you have provided to us. Any email or SMS text message sent to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not notified us.
25. What will happen to my personal information?
We are the controller of your personal data which we will use in order to open, administer and run your account, and provide payment services to you. You hereby consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you or otherwise to fulfil this agreement. For further information about how we will process your personal data, please view our Privacy Policy. You may withdraw your consent to the processing of this data by closing your account.
26. Will these Terms and Conditions ever change?
We may change these Terms and Conditions by notifying you by email or other agreed means at least two months before the change is due to happen. We will assume that you agree with the change. If you do not agree with the change you must tell us before the change happens and we will cancel your account immediately. If you cancel your account in this way then we will return any balance on the account to you and you will not be charged a fee.
An up-to-date version of the account Terms and Conditions, as well as any notices of future changes will always be available via our website. You should check our website and your online account portal regularly for such notices and changes.
27. When may use of the Visa payment card and account be interrupted?
From time to time, your ability to use your card or account may be interrupted, e.g. when we carry out systems maintenance. If this happens, you may be unable to:
(a) use your card to pay for purchases or obtain cash from ATMs and/or
(b) obtain information about the funds available in your account and/or about your recent transactions.
In addition, like in case of other payment cards, we cannot guarantee a merchant will accept your card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, to comply with legal and regulatory requirements, or because we have suspended, restricted, or cancelled your account or refused to replace it in accordance with these Terms and Conditions.
28. What is our responsibility?
If we incorrectly deduct funds from your account, we will refund them. If we subsequently establish that the refunded amount had in fact been correctly deducted, we may deduct it from your available balance and may charge you a fee. If you do not have sufficient available balance, you must repay us the amount immediately on demand.
If unauthorised transactions occur after you have notified us of the loss, theft, compromise, or unauthorised use of your card or account, and you have not acted fraudulently or in breach of these Terms and Conditions, then we will be liable.
We will not be liable:
- in any event that a merchant refuses to accept your card;
- for any interruption, disruption, or impairment of our service or any third party services on which we rely for the performance of our obligations hereunder;
- for refusing to authorise a transaction;
- for cancelling or suspending use of your card or account;
- for any loss arising from your inability to use your card or access your account due to interruptions;
- for any direct or indirect loss or damage you may suffer including loss of revenue, loss of reputation, goodwill, opportunity, or anticipated savings as a result of your total or partial use or inability to use your card, mobile app, website or account, or the use of your card or account by any third party (unless otherwise required by law);
- for the quality, safety, legality, or any other aspect of any goods or services purchased with your card; and
- any abnormal and unforeseeable circumstances beyond our control, however so caused.
For the SMS services we offer, we are not responsible for lost, late, or undelivered text messages, notifications, or communications. We accept no responsibility for any technical, computer, online, telephone, cable, electronic, software, hardware, transmission, connection, internet, website, or other access issue which may hinder your ability to access the SMS services.
Nothing in these Terms and Conditions shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.
29. When can I be charged (other than the fees in section 33)?
We may charge you for any reasonable costs that we incur in taking action to stop you using your card or account and to recover any monies owed as a result of your activities if you:
- use your card or account fraudulently;
- do not use your card or account in accordance with these Terms and Conditions; or
- have been grossly negligent, for example by failing to keep your card or PIN secure or by failing to notify us without delay after your card is lost, stolen, or used by someone else or where your account has been compromised.
In these circumstances we will not refund transactions and we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using your account and to recover any monies owed as a result of your activities.
If you have not been fraudulent, or grossly negligent, and have used your card and account in accordance with these Terms and Conditions, your maximum liability for any unauthorised transaction resulting from the use of a lost or stolen card or details before you notify us will be 50 euro.
We may also charge you additional fees if we have to manually intervene to complete a payment or rectify an error on the account caused by an error or omission on your part.
30. Am I permitted to give access to third party providers?
You may allow regulated Third Party Providers (TPPs) (including Account Information Service Providers (AISPs) and payment initiation service providers (PISPs)) access to your online account; either to make payments, obtain account balances, or obtain information on previous transactions.
Before giving consent to a TPP, you should:
(a) ensure that the TPP is authorised and holds the correct regulatory permissions;
(b) check what level of access you are consenting to, how your account will be used, and the extent to which your data will be shared with third parties; and
(c) familiarise yourself with your obligations and rights under the TPP agreement, in particular your right to withdraw consent to access your account.
We may refuse to allow a TPP access to your account where we are concerned about fraudulent or unauthorised access.
We are not party to, or responsible for, any agreements between you and a TPP. Subject to any rights to refund you may have under these Terms and Conditions, we shall have no liability for:
(a) any loss whatsoever, as a result of using a TPP and entering into a TPP agreement; and
(b) any actions that the TPP takes in relation to suspending or terminating your use of their service or for any resulting losses.
31. Can I assign my rights or obligations under these Terms and Conditions?
You may not transfer or assign any rights or obligations you may have under these Terms and Conditions to any other person without our prior written consent. We may assign the benefit and burden of these Terms and Conditions to any other person at any time on giving you two months prior notice of this. If we do this, your rights will not be affected.
32. Governing law
These Terms and Conditions will be construed in accordance with the laws of the Republic of Lithuania and subject to the exclusive jurisdiction of the courts of the Republic of Lithuania.
33. What are the fees and limits?
Paysera Fees and Limits will always be available via our website.
Your Visa payment card and account is issued by Finansinės paslaugos "Contis", UAB who is authorised by the Bank of Lithuania to issue e-money (company code: 304406236) and is a member of Visa. Registered head office is Gedimino pr. 20, Vilnius, Lithuania.
Please note that the Visa payment card and account is an electronic money product and although we are supervised by the Bank of Lithuania, it is not covered by the Deposit Insurance Fund of the Republic of Lithuania. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Finansinės paslaugos "Contis", UAB becomes insolvent your funds will be protected against claims made by creditors.
Agreement History
Visa Payment Card Account Terms and Conditions (valid until 31.07.2021)
Visa Payment Card Account Terms and Conditions (valid until 01.10.2020)
Visa Payment Card Account Terms and Conditions (valid until 16.09.2019)


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Why would I travel to some place new and want everything to be just like the place I had left? If you travel to France, do you spend most of your time trying to find a McDonalds? OK, maybe that's a bad example. Come to think of it, I might just have a hankerin' to find a McDonalds once I got tired of all the fried snails and under-cooked frog legs and such.
But back to me and my California surroundin's. Just think about it, I know what southern food tastes like, for gosh sakes. It's what I grew up eatin'. I don't need to go to some high-priced replica of a southern restaurant in the middle of San Franciso to see what that's all about. Chances are pretty good that whatever poor excuse for southern cookin' you're gonna serve me is not going to be as good as the fried chicken made from my own Momma's little ole cast iron skillet. Fried chicken is something best not tampered with by people who just don't know any better, especially if they aren't serving boiled peanuts as an appetizer.
If you want to try some fancy experimenting with brussel sprouts, y'all go right ahead and knock yerself out.

subset: commoncrawl


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Lest you think it's all work and no play around here, let's start this update with a happy, waggy Gertrude. Ahhhhh. Can you feel the warmth of the Mediterranean sun? Lovely! Like Tula she enjoys her comforts! <3
But I have been hard at work, and thought it worth putting up an update as there's quite a variety of new work in my Etsy shop this week:
First we have a new design inspired by Pandemic Legacy. We are on our second playing and I felt we and our friends deserved special Operative markers for such a great gaming experience. The black markings are organic and interact differently with each base color, so they are super fun to make…I never quite know how the black is going to spread/expand…rather like a virus, yes?
I finally got my head around what I wanted to create for memorial jewelry. I like the idea that these TREASURE vessels can be used to for any small keepsakes … soil from your garden, fur or cremains from your beloved pets, sand from beach you honeymooned on, seeds from a favorite plant, etc. And I can even send them empty for people to fill and seal since all that's needed is a a bit of two-part epoxy (or any glue that works with metal and glass).
And lastly, to end on a goofy note, we have some Ogres. I designed these as a three-sided die to be a prize for Rahdo's kickstarter backers and found that the findings I'd sourced for my TREASUREs looks great with them, so now the die can be wearable too. There are three listings on Etsy right now…they are the actual pieces which are made and ready to wing their way to you!
Thank you!


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Real time rendering API (SDK) for offshore
Are you in need for a real time rendering API (SDK) for offshore sector ?
As a unique graphics SDK developed by Redway3d, REDsdk 3D graphics engine is the ideal tool kit for picture visualization. It allows a smooth rendering for 2D and 3D photorealistic real-time graphics within one integrated API to enhance 3D experience. With properties encompassing global illumination and physically correct lighting, our scene graph API is able to grasp the smallest details of the image. Added to the instantaneous path tracing mode, the advanced post-processing effects ability and the large library of more than a thousand available photorealistic materials with real time previews, the Redway3d SDK is a highly professional graphics engine with CPU and GPU hybrid modes that can also work on Linux.
Our 3D graphics engine is fast and easy to use. Unique in the cross-platform graphic field, it produces real-time graphics of environments and interiors and high quality content to enhance the 3D experience of the user. Especially developed for design software, our cross-platform toolkit has properties dedicated to light, interface, perspective or animation. Redway3d graphics SDK has earned its place as a leader in high-level graphics scene and is recognized for its high performance graphics, its integration capacity and also for its extensive technical support. The latter does not include only documentation, but tutorials with complete ready to use the code that can be customized and adapted to the user's requirements.
You've found the real time rendering API (SDK) you're looking for in offshore. Contact us for more information.
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In a few days, we could repurpose our legacy materials and render them using the RED engine technology.
For 2020, moving to REDsdk simply meant moving from the "nice" rendering delivered by our former solution to an image that could be mistaken for a true photo. We therefore started to research the real-time aspect of REDsdk and realized the substantial benefits of an all-in-one 2D/3D graphics engine.
When you have been developing a software for decades, you have tons of specific users' habits and it was key for us that REDsdk was flexible enough to enable us to implement our own rendering expertise and visualization modes.
Today, BricsCAD still offers drafting, but also full 3D modeling, intelligent sheet metal design and BIM. BricsCAD uses many different software components, but REDsdk is really a key part of our current success.
The integration process of REDsdk into our applications has in all cases gone smoothly and the REDWAY 3D engineers were always available to provide prompt and insightful help.
By using REDsdk, we could get the best of the current 2D/3D hardware performance while keeping all our TopSolid 2D & 3D graphics assets. It is a full bi-directional compatibility, TopSolid can call REDsdk and REDsdk can call TopSolid.
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28 February 2017 | News and features | Back to Blog
Dot Dot Dot's reaction to Bristol property guardian court case judgment
On 24th February at Bristol County Court a property guardian company lost a case against one of its guardians.
Our view is that this case highlights poor practice by others in the industry, but has no immediate implications for our approach, or the viability of the property guardian approach in principle. We pride ourselves on the high standards to which we work, so property owners, guardians and local communities can all be confident that our service is safe, legal and beneficial to all stakeholders.
What has happened?
Camelot, a property guardian company, has been taken to court by a group of its property guardians on a range of issues. The guardians' most significant claim is that they are in fact tenants, rather than licensees. Camelot, in common with all property guardian companies including Dot Dot Dot, bases its approach on placing people to live in buildings on licence agreements rather than tenancies, to ensure prompt and reliable vacant possession when requested by property owners.
Camelot's approach – like Dot Dot Dot's – is to create licences not tenancies by avoiding giving guardians exclusive possession of the building they are living in. The guardians in this case claimed that although the paperwork they had been given said that they did not have exclusive possession, the approach that had been taken to managing the building meant that they in fact did have exclusive possession of the rooms they slept in. They argued that they were therefore tenants rather than licensees.
The judge at the County Court in Bristol ruled in favour of the guardians. He decided that the way in which the guardians had been managed did not correspond to the approach described in the licence agreement that they had signed. Since what matters in such cases is what happens in practice rather than what the paperwork says, this meant that the guardians were legally tenants. The judgment can be read in full here.
Our Reaction
The judge was very clear that there was a robust legal distinction between licences and tenancies, and that the key way to differentiate between the two when considering property guardians is to look at whether or not the guardian has exclusive occupation of any part of the property. There is no suggestion in any comment from the judge that this distinction was called into question by this case.
Our licence agreements – which we explain line-by-line to every guardian when they join us – sets out the ways in which we avoid creating exclusive occupation. And crucially, we carry out the measures contained in the agreements to the letter. We are therefore confident that our guardians' status as licensees not tenants is not called into question by this ruling. Our lawyer, Giles Peaker, has written his own reaction to this judgment, which goes into more detail on the legal issues raised, and which can be read here.
The Bristol guardians also claim that Camelot failed to secure the necessary HMO licences and did not do enough to ensure that the building was safe. Judgment has not yet been made on these issues. However, our approach at Dot Dot Dot is to comply with all relevant health and safety and HMO legislation at all properties we manage, as we set out in January. We therefore do not expect this aspect of the case to have implications for us.
We will continue to monitor developments in this Bristol case. As always, if we need to adapt our legal documents or delivery model to continue to provide complete confidence in our service for all stakeholders, then we will do so immediately.


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Nobody wants to deal with the possibility that the Toshiba television you just paid hundreds of dollars for is giving you problems. You may turn it on one day and find the picture distorted, the sound not functioning or any number of other things. Luckily, Toshiba television sets have an on-board settings menu designed to let you completely take control of the picture quality. Troubleshooting a Toshiba TV has never been easier.
Step 1
Make sure everything is plugged in correctly. If you're using a DVD player, Blu-ray player or cable box and find that the image or sound is acting up, the problem is probably with these external devices and not with the TV itself. Make sure the audio and video cables that run from these devices to your TV are completely plugged into the right places at both ends.
Video of the Day
If a video cable is plugged in too loosely, for example, the video signal won't be able to properly transmit from one source to the other and will appear distorted on the TV.
Step 2
Press the "Menu" button on your Toshiba TV's remote control to enter the "Settings" menu.
Step 3
Change the video presets. Toshiba TV sets have five preset video modes for different types of video. One is designed to be bright, for use with sports and other shows with fast motion. One is designed to be darker, for use when watching movies. Make sure you haven't accidentally switched to a preset mode you don't like.
Step 4
Use the picture controls in the "Settings" menu to adjust things like the "Brightness" and "Sharpness." If the picture on your Toshiba TV is too blurry, for example, you'll want to increase the "Sharpness" video setting until the image returns to the quality you are happy with.
Step 5
Turn off "Game" mode to negate any audio delay there may be. (Toshiba TVs have a setting called "Game" mode for use with external devices like video-game systems.) If "Game" mode is on when using a DVD player, it can result in the sound and the video being out of sync by as much as a full second.


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The upcoming Utopia expansion (paid DLC) for Stellaris is being released alongside the free 'Banks' update. If Paradox have any sense of harmony, these updates will allow you to recreate The Culture, Iain M. Bank's fictional high tech Utopia, and hopefully some of its enemies too.
Exact details of the Banks update have not been forthcoming yet, but from what we know of the Utopia expansion, some of the more exciting engineering projects will soon be possible, such as Megastructures including: Ringworlds, Dyson Spheres, Science Nexus, and Sentry Arrays. Utopia will also include "tall" space stations, this simply means space stations have higher expansion limits, including expanding population caps too. In the language of Banks these are known as Orbitals.
Access to many of these advanced structure is limited by the player's choice of Ascension Perk These perks are a way of choosing what a civilizations goal is. Its exciting to have this kind of possibility in a game, to choose how to develop a civilization beyond what is know, and I look forward to finding out what Paradox's interpretation of "the beyond" entails.
Before civilizations can reach an ascended state, there is a lot of work still to be done. The Banks update will be including expanded Species Rights, and related mechanics. This includes everything from Battle Thralls, to Refugees, to new Purge methods and even a new mechanic called Consumer Goods, which scales with your population's standard of living.
Release dates for Utopia and Banks have not been revealed yet, and nor has the price for this paid expansion, but it's likely to be with us in weeks rather than months. Stay tuned with Pixel Judge for more news on Utopia as it's revealed.
STOCKHOLM – 02 February 2017 – We reach for the stars for many reasons. They challenge us to explore. They dare us to explain. They prod us to expand. But, most of all, the universe offers every space-faring race a new start. This is the chance to perfect the species and to reach new heights of self-awareness, technological prowess or spiritual enlightenment. You can only get to Utopia by moving faster than light.
Stellaris: Utopia is the first major gameplay expansion to Stellaris, Paradox's critically acclaimed and best selling strategy game about building an empire in new galaxies. Utopia introduces new options for developing your empire, with new types of space stations and constructions that open alternate avenues for making your species the dominant power in the galaxy.
One of the core improvements in Utopia is the introduction of Ascension Perks. As your species advances and gains new traditions, it can choose how it wants to evolve as it is further enlightened. You can choose between a biological path, a psionic path or a synthetic path, with various options within these broad categories. Body, Mind or Machine – how will your species challenge the future?
Utopia also includes:
And even more improvements and updates, including (as is traditional with all of our paid content releases) free updates for every Stellaris owner!
Stellaris: Utopia brings even greater depth and variety to a game already celebrated for its story-telling power and near endless possibilities. Are you ready for perfection?
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You have probably heard people talk about boundaries at work. A boundary is an invisible line between what you will and will not allow. Insecure bosses and colleagues often don't have them. They don't know what to do with their unrest, so it turns into anger and despair that gets vented in an inappropriate way at people who don't deserve it. It's only a short fix for them so they must keep venting to feel better - dreadful for you.
All conflict stems from a need to be right so the first thing you want to do with a difficult colleague is to let them be right. This is difficult to achieve when your ego is in the way. Therefore, when you are working on your executive presence you must start first with learning to self-regulate – manage your emotions in the crucial fight-or-flight moment.
In that crucial moment where you have been offended or feel threatened, take a deep breath and assure yourself you are safe. Be an observer of your own...
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The draft amendment to the Act on the Supreme Court
"The draft law amending the Act on the Supreme Court, directed to the Parliament by the governing majority, is an attempt to introduce an unconstitutional change to the system of government of the Republic of Poland and contravene the principle of the separation of powers" – says the statement signed by the members of the the Managing Board and the Board of Directors of the Helsinki Foundation for Human Rights as well as the Helsinki Committee in Poland.
On 12 July 2017, the group of MPs submitted to the Parliament the draft law amending the Act on the Supreme Court. One of the most controversial provisions of the draft law states that all tenures of judges sitting currently in the Supreme Court will be terminated on a day of the Act's coming into force. In the light of this provision, the Minister of Justice will decide which judges will remain in the office and whose term of office will be terminated.
"The termination of tenures of all the Court's judges and granting the Minister of Justice a competence to single-handedly decide which judges will remain in the office in this most important Polish court is tantamount to the revocation of the Supreme Court's independence. Such a solution is applied only by the governments of authoritarian states" – reads the statement.
The new judges of the Supreme Court will be selected by the National Council of the Judiciary in Poland. Yesterday, the Parliament adopted changes in the Act on the Council which enable the parliament to appoint the members of the Council. Furthermore, in the light of these changes the appointment of a new judge will not be possible without the consent of the representatives of government, Parliament and President sitting in the Council.
Furthermore, in the light of the draft Law on the Supreme Court, the Minister of Justice will prepare the Statute of the Supreme Court which will regulate its works.
In the opinion of the signatories "the draft law on the Supreme Court deepens the Polish constitutional crisis, ongoing since November 2015. A day after the Act on the National Council of the Judiciary was amended, the governing majority strengthens the political influence on the administration of justice in Poland. This in consequence will lead to a situation when the basic human right to a fair trial by an impartial court becomes illusory".
The statement is available here.
About the Supreme Court
The Polish Supreme Court's competences are very wide and it plays a crucial role in sustaining the independence of the justice system in Poland.
First of all, the Supreme Court supervises the works of the courts of lower ranks in terms of "judiciary control". For example, the Court can adopt decisions in which it presents the legal interpretation of a provision. Such a decision is binding for courts of lower ranks. At the beginning of this year, when the Constitutional Tribunal was taken over by the governing majority, the President of the Supreme Court underlined that not it is the role of the common courts to protect, implement and interpret the Constitution.
Secondly, the Supreme Court confirms the validity of the elections to the Parliament and Presidential elections.
Thirdly, the Supreme Court has a right to issue opinions about draft legislation. For example, in 2016 the Supreme Court presented a very strong opinion regarding the draft Law on Assemblies in which it called the draft legislation "an attempt to violate the constitutional order of the Republic of Poland".
The draft Law on the Supreme Court has been directed to the first reading in the Parliament's plenary session which will, most probably, take place next week.


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Now I can start training again.
Monday, February 13, 2012
Back in action at Sweethearts
I ran 16 times over the 27 days between RnR Arizona and yesterday's Sweethearts 4 miler, the first race in the Grand Prix Series. 95 miles. Not much. I wasn't too concerned with what was going to happen. KC asked me the night before how I felt about the race. I said that I was hoping no one would show up so that I could run slow and win easy. It was snowing and windy at the time she asked, so I thought that maybe I'd just tuck in behind some fatties and then out-kick them at the end. My confidence in my ability to run at least one mile fast was still high, but I knew my endurance would have been shaken from my month-long break.
I got into the woods and heard everyone behind me and just kept running. I felt like I was going slowly. I came out of the trail and could still hear everyone. I thought I felt them. My ears were burning after being in the shade and coming back out to the wind. It was really painful. Mile 1 was a 5:35. I thought about how easy it felt, and thought that I'd slow down a little to let them catch me. Getting onto Hartwood Road, I thought they were getting closer. I turned into the neighborhood and just kept rolling, waiting for them to catch me, slowing down, staying relaxed. Mile 2 in 5:25. That was surprising! I thought to myself, "They can't run this pace for long." I was right. Rounding the cone, they were way behind me. I don't know how I mistook them as being closer. After the turn around, it got really windy and cold, so I just shut it down. Coming back down Hartwood Road, I was just trying not to freeze. This is when I could really feel my lungs icing up. Entering the park, there were still runners coming out. I got to mile 3 in 5:39 and then passed the mile 1 sign before some people actually got to it for the first time.
I followed Vic around the corner to head back to the woods. I took a look back after the turn and saw Joey and Nick Oltman neck and neck. I thought that would probably be exciting, and that they'd be racing each other in the woods. Meanwhile, I was just continuing to slow down. I went into the woods and came right back out without worrying about it. I feel like I jogged up the hill and just walked up to to the line. I stopped my watch a second late, so my 4th mile was 5:48. Really easy. 22:29 FTW. I've run faster there before, but I've also cared before.
Now I can start training again.
Now I can start training again.
1 comment:
Nice race report. Sure was cold. From my perspective (finished 10th), I can confirm that there really was a clump right on your heels through the woods and still basically in contact through Hartwood Road. I think you put the separation on them in the neighborhood and, obviously, it was over from there.ReplyDelete
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Yesterday we reported that after a few confirmation on how the HDMI ports would work on both system and getting confirmations from both camps, that the Xbox One would accept the signal from the PS4. It would be possible to play PS$ games vicariously through the Xbox One.
After such reports hit the web after Albert Panello, Microsoft's senior director of product management and planning for the Xbox, talked with GameSpot, he went on NeoGAF to clarify his comments. According to Panello it was a quick question at the end of the demonstration and the original report made a bigger deal out of it than he had. He says in his post that it would be possible, but it won't be a great experience." It's not just the PS4, he doesn't recommend connecting an Xbox 360 this way either.
There are latency issues with HDMI that would make any "interactive" entertainment lag from having to run it through another machine like this. The input was built for passive video viewing, where latency doesn't matter all that much if at all.
Still we got confirmation for HDMI video output for the PS4 out of this.


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NEW Fall Collection| "Blanket Weather" Signature Scent Candle
- Regular
- $10.00
- Sale
- $10.00
- Regular
- $0.00
- Unit Price
- per
The "Blanket Weather" Fall Signature Scent is a custom blended scent that gives off notes of Red & Black Currant,Roses, Geranium,Powder and is topped off with notes of Plum & Powder to give you strong but lovely smell.
This candle is handmade using natural soy-blended wax & the highest quality of clean & safe essential oils. Each candle contains a zinc free and lead-free wick made with interwoven natural cotton threads.
Each candle is hand-poured in Maryland and all components of the candle (wick, oils and wax) are sourced in the U.S.
Each candle melts consistently & evenly (with proper candle care by client), radiating enough fragrance to fill your desired space. Please see candle care instructions for more details.
Burn time of each candle is approximately 25 - 45 hours.
Candle Care
-Never burn candle more than 4 hours at a time. Once 4 hours of burning has occurred, candle should be extinguished, allowed to cool for at least 2 hours & trimmed before relighting
-Trim the wick to 1/4" before each & every lighting
- Store candles at room temperature
-Keep out of the reach of children & pets at all times
-Replace candle when only 1/2" of wax remains
Be Safe & Enjoy Your Candle!


text: At the beginning of this year, the New York State Senate brought in Andrew Hoppin as their CIO with a mandate to revolutionize the way the NY Senate engaged people. The NY Senate's new website is the first major tangible product of Andrew's new and talented team. On June 5th, I attended another result of this newfound momentum in New York's government, CapitolCamp. A one-day BarCamp-style conference, CapitolCamp was in Albany, at the New York State Capitol, hosted by the New York State Senate, CIO, and the New York State CIO.Continue reading


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Are you a teacher or parent to school age children? The Back to School stamp set was created with you in mind. This stamp set about school days can help you document your child's path to learning in scrapbooks and journals. There's a stamp for the traditional "1st day of school" photo and other captions like "School is Cool" and "Ready to Learn" for title making. Or maybe your child would like to create a handmade card for their favorite teacher using these clear stamps about teachers!
If you're looking for clear stamps for teachers with words of encouragement, you'll find sentiments like "star student" and "extra credit" in this set. The small school-themed icons like a star stamp, pencil stamp and book stamp can add a little extra something to papers you return to students after grading. We think you'll give this stamp set an A+!
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We are still creating using our Vintage theme courtesy of Fliss - don't forget that this month's overall winner will get a chance to be a guest designer on our team sometime next month.
This week it was the turn of Shabby Chic - Torn or Crumpled. My card today demonstrates both. I have taken a piece of vellum, crumpled and distressed it and also torn the edges - take a look
Hope this inspires you to join in the challenge, all the details can be found here.
See you next week - Jacqueline.
Wednesday 20 July 2011
MMM - Mid-week Motivation - Crumpled and Torn Vellum
6 comments:
That is gorgeous - like the crumpled ribbon effectReplyDelete
Beautiful piece, I do so love the colours you have chosen they are perfect for the theme. The ribbon is super and a beautiful addition.ReplyDelete
This is just gorgeous! I love the birdcage image and it looks beautiful in a vintage distressed setting. VxReplyDelete
Beautiful card! Love all the tips you share with us.ReplyDelete
- Anonymous21 July 2011 at 20:58
O.M.G that is AMAZING I love it so muchReplyDelete
The ribbon is fabulous, lovely card, great image.Love the colours too.ReplyDelete
Thanks for sharing with us at 'Make it Monday'
Luv CHRISSYxx
Don't forget. .if you leave a comment on another entrant, mention that you saw their card on 'Make it Monday' for a chance at second prize.. the more you comment on and mention MIM, the more chances at winning second prize.
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Who would like to see their card on Facebook? Just like our page, enter the challenge and wait and see! Our Facebook badge is in the side bar.


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100 Movies before we move: #11
Emmy says:
A great view of archaic practices and the inability to deal with failure. This true story illustrates the damage done by the police to women they didn't want to deal with. Lovely costumes and a beautiful script made this an intriguing tale. 8/10.
Jeff says:
A disturbing true story, this film pulls few punches in showing what policing and treatment of women was like only 90 years ago. The tight focus on a mother's determination made an otherwise surreal crime drama into a moving and challenging story. In some ways, it's easy to see parallels in modern society … and we really should be better that that by now. 8/10.


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Harveston Homes for Sale
|Harveston is one of Temecula's premier master planned communities. Harveston surrounds a beautiful community lake with gorgeous homes called the lake cottages where just steps from your front door you can be at the lakes edge. The community boasts many different styles and sizes of homes from Condo living to 3000 sq ft plus executive style homes.
As of today there are many homes and properties for sale that are available to search. The number of homes changes daily, so be sure to keep coming back right here, to the best site for Harveston homes for sale.
|Lake Views
|The community of Harveston has about 1500 homes all centered around the focal point of the community, Harveston Lake and its Lake House. The Lake House offers 8,000 sq. ft. which can be used for events as small as birthday parties to large scale weddings. The Lake House also has a craft room, yoga room, and pool pavilion. The community also has a Jr. Olympic pool adjacent to the Lake House. On the lake you can enjoy electric and pedal boats to take a scenic tour around the 30-acre lake. The Community also offers two city parks, day care facility, Elementary School as well as an Assisted Living Facility. The live in town feel you get within Harveston cannot be found any place else in Temecula.
|Harveston Park
|Lake House
Temecula North Live Feed showing Active Listings
Temecula North Live Feed showing median days on Market trends.
Temecula North Live Feed showing Closed Sales trends.
Temecula North Live Feed showing months worth of available inventory.(Anything over 6 indicates a buyers market.)


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USB 3.0 - SuperSpeed USB - It's here and its Very Very Fast!
USB 2.0 has been with us for around 10 years but USB 3.0 is now here. Dubbed "Superspeed" USB, USB 3.0 has been in development since 2007 and delivers data transfer speeds that are at 3.2 Gbps are around X10 times faster than USB 2.0
Early generation products are now just beginning to make their way onto the market. These products not only work with USB 3.0 but are backwards compatible with USB 2.0 as well. To get the real benefits of the X 10 speed improvement your PC will need to support USB 3.0 - its pretty easy to install a USB 3.0 PCI card into desktop and tower PC's and even easier to plug in a USB 3.0 upgrade express card into a Laptop thats equipped with an Express Card slot!
NEW This USB 3.0 PCI card from Best Connectivity features not one but two USB 3.0 Super-Speed ports. Simply plug into your spare PCI slot and enjoy data transfer speeds of upto a whopping 5Gbps. This PCI card interface is also compatible with USB 2.0 and is supported...


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Cloth Face Mask
Sold Out
Stay swaggy AND safe!
- Soft and comfortable for all face shapes
- Lightweight and skin-friendly — perfect for on-the-go use
- Washable and reusable
- Each mask is individually packed
Look great while staying safe during COVID times with our Premium Material Cloth Face Mask! This mask is designed to help you shield from dust, pollutants, and germs to help protect your health. It's soft, comfortable, and breathable, with three eco-friendly layers of protection. It's a chic solid black color and made in the U.S. from cotton lay materials. Stay safe and look great with the Cloth Face Mask from Keep Pursuing!
Great Quality
Mine just arrived today and it's really good. The quality is better than the amazon face mask + fast shipping.
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The OrbitPen is the world's first fidget pen equipped with magnetized spinning mechanism, allowing you to stack & spin multiple pens at the same time, creating a stunning acrobatic performance.
Measurement: 3.875L x 0.48W inch / 98L x 12W mm (contracted mode)
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The No Scratch Belt for Musicians
Thank you for visiting musicianbelt.com! We know you may have questions about our unique belts and the buckleless design that's why we've included the answers to some frequently asked questions here. Also find out more about ordering and shipping information. We know you are going to love our scratchless belts. Our professional and knowledgeable staff can provide you with any other questions you may have and will be happy to help you. Our belt company is dedicated to providing top quality leather belt designs and stellar customer service.
Find out more here about why a buckleless belt may be the perfect addition to your musician accessories. Leave buckle rash behind and get a real leather belt that is both fashionable and functional. We hope this page will help to answer any questions you may have, but if not we will be happy to hear from you and assist you with any other needs you may have. Thank you again for visiting our website!
Our mailing and shipping address is:
A&T Leather, Inc.234 Earls RoadBryson City, NC 28713
When ordering a Musicians Belt, you should order your belt the same size as your pants size.
Example: If you wear a 32" waist size pants then you need to order a 32" belt. We measure the Musicians Belts in such a way that all we need is the waist size. If you still have questions about what size belt to order, please call us toll free at 1-877-955-0055 and we will be glad to answer any questions you have.
Our regular belt sizes are 28" - 46". We do make larger belts; add $4.00 for 48" and larger sizes.
This depends on how you are going to wear the belt. If you are going to wear the belt with dress pants or slacks then the 1-1/4" width is the more preferred width. For jeans or casual wear the 1-1/2" width would be fine. Pants loops seem to be getting more narrow so check before you order this width. Some Dickies Brand pants have narrow loops.
Note: Some Musicians Belts are only available in the wider 1-1/2" width.
Yes. Simply "Add to Cart" all the items you are interested in. When you are finished shopping just click the "Check Out Now". You will then see the the following as one of your four payment options:
Just click this option and follow the instructions on the address information page. Once you hit the submit button you will have a printable order form that you may mail in with your check or money order. Our address is on the form. Enclose a Check or Money Order for the amount due and that's it.
For the best shipping rates, we ship all packages by Priority Mail. You will receive your package in your mailbox or Post Office box. Please call us toll free at 1-877-955-0055 if you need your package sent by UPS.
We make all the Musicians Belts by hand, so you may need to allow 3-5 days of production time (usually 3 days max). If you will need your belt in a hurry, please give us a call and we will try our best to accommodate you.
We ship by Priority Mail which usually takes 3-4 business days to arrive. We are on the East Coast of the USA so where you are determines the amount of time. We have found out that it takes about 4 days to get orders to California from where we are.
If you need Express Service, please call us toll free at 1-877-955-0055.
This can be arranged for certain items, and if the order is placed early enough in the day. This is not a recommended method of shipping. Express US Mail no longer guarantees overnight delivery to most areas. They say it will be two days in most cases. We will make every effort to try to help you.


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1960s to 1990s: Emergence of attendance programs
Attendance programs started in the 1960s as corrections initiatives through regional and local offices. They were directed at youth who required more control than what was provided through regular probation supervision. Youth were committed to these programs as a condition of probation. They ranged from daily attendance (e.g. after school), to week-end residential and full-time residential programs.
Some attendance programs included:
- Prince Rupert Attendance Program: For eight boys, aged 14 to 16, it featured group discussion, recreation, individual counseling, and outdoor camping trips. The boys were required to attend five evenings a week, with a camp-out every other week-end.
- Port Alberni Attendance Program: For juvenile boys, attendance was required four nights per week and two week-ends per month. The objective was to develop more constructive use of leisure time. Group counseling, recreation and outward bound techniques were stressed. Community service projects were undertaken for senior citizens and other community groups.
- DARE (Detention and Recreation Extension): This Vancouver program operated daily with the objective of reducing acting-out behaviour by involving youth in physical activity and work experiences. It targeted youth who required more intensive counselling than was available from their social worker or probation officer. Funded by Corrections and the Department of Human Resources.
Other examples of attendance programs were:
- Search and Leadership Training Program (SALT), an outward bound based program philosophy
- Marpole Probation Hostel (opened 1965), for those youth requiring a condition of residence as part of their probation order
- Metchosin Ranch (1969) outside of Victoria
- House of Concord
- Choin Ranch (a group home/probation resource developed as an alternative to sending juveniles to Brannan Lake Industrial School)
- Camp Trapping
- Coastline Challenges
- PLEA homes
- Youth Futures
- Joss Mountain Wilderness Project
There was a strong emphasis in B.C. on alternatives to custody programs.
Carpentry Attendance Program (1973-74)
Porteau Cove Attendance Program (1973-74)
SALT training obstacle course
SALT training obstacle course
SALT training in rock climbing
Young Offender learning the ropes as a wrangler
Juvenile assist instructor in a Choin Ranch corral
Marpole Probation Hostel (eventually this building became Marpole Community Correctional Centre for adult offenders)


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"Ginger" is simple, beautiful and extremely sexy. We see it as one of the most seductive premium WordPress themes we've got up the sleeve. Sincerely, we don't have any idea what one should promote to have a website in this design, but a personal blog would look great with it. Among our WordPress themes, "Ginger" has become somewhat lucky, being used by pathologically happy bloggers and, well, gingers. Try it out and see for yourself – check the free WordPress themes page or find the full version to enjoy all the benefits we offer.
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Fundraiser Card
Business Login
Contact Us
Register Card
Search Area Deals
List Business Free
Go Kart Packages AJ's Comstock Park
Kentwood & Byron Center Roller Skate
Batting Cages AJ's Comstock Park
Miniature Golf AJ's Comstock Park
TC Paintball Grand Rapids
Knocker Ball Grand Rapids
Food & Drinks
Amazing BBQ Main Street Lowell
Butcher Meat Market Comstock Park
Fish Fry Daddys Lowell
Pizza Comstock Park
Family Dining BrandyWine
Wine Tasting In Rockford
North End Bier Distillery
Health And Beauty
Westside Tanning
CBD Store Grand Rapids
Creston Hair Styling
Professional Massages
Two Person Fitness Deal
Downtown GR Shopping
East Hills Retail
Home And Garden
Pool Service & Supplies
Flooring Discounts
Bed Frame Deal
Cleaning Service
Computer IT Service
Automotive Repair
North End Accessories
Walker Oil Changes
Grandville Golf Course
Shelby Golf Course
Kentwood Golf Course
Add Your Business
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Copyright © 2019, MyAreaCard. Website managed by MyArea Card, All rights reserved. Logos and names of merchants are trademarks of their respective companies. Their presence on our site does not imply that they are affiliated or partnered with MyAreaCard or its subsidiaries.
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Not a bug
Copying notes into MS-Word or Outlook leads to ugly formatting
ChrisCN fa 11 anys • updated by Arseniy (CN Support Team) fa 10 anys • 1
If I copy text from a note (Ctrl+C) into MS-Word 2007 or Outlook it gets an ugly yellow background. If I Ctrl+Shift+C the formatting gets lost.
Can't reproduce this, but I have Word 2010. Can anyone with Word 2007 confirm?
Under review
Not a bug
Customer support service by UserEcho


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Wow this is absurdly late! Sorry about that.
It's been about 3.5 months since the last update, and I'm happy to report that I finally accomplished mine. As I said in the last installment one of my gaming group was prepping a The One Ring event for Gen Con and I got to be a player in it.
While it was only for a single evening, I felt that I got a good player experience. I knew nothing about the game going in, as is typical for players in my group (between all of the playtesting and my whims, they tend to rely on me). I had to rely on the GM for the rules and just tried to stay in character, coming up with strategies and solutions based on what made sense rather than what I thought was mechanically supported.
I primarily learned three things:
First, immersion is better than lecture. My GM spent way too long explaining rules to us and our eyes glazed over long before he finished. I generally stick to the basics and teach the rest of it as we play. My general rule is that if it doesn't come up during play, it probably isn't worth spending time teaching.
Second, character motivation can create unexpected roadblocks. The playtest didn't give a reason for our group to be together, so the GM made one up. Unfortunately, that reason (delivering a package from one town to the next) proved compelling enough that we began "resisting the adventure" when the GM tried to lure us in. It reminded me that it's better to tie the hook into the adventure rather than just drag the PCs by the hook across the entrance to it.
Third, I was reminded that players don't often see what is behind the curtain and thus aren't bothered by omissions. After the game, my GM beat himself up for forgetting a few rules (no doubt tripped up by the player rebellion when he belabored the rules lecture). None of us knew he forgot them and the game played well enough without them. Had this not been a playtest then he'd have the opportunity to incorporate them into the next session.
All-in-all it was a fun experience and, given that I didn't have time to play at Gen Con this year I'd definitely enjoy being a player again. I'm going to encourage my players to step into the GM chair once in a while.
So, those of you that adopted Gnew Year Resolutions, how have they been coming? And for all of you, how have your experiences as players affected your GMing?


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One-day business trips can be tricky. In some ways, they are so short it's not even worth talking about. In other ways, they add additional stress, planning, and time to your work week. You may be surprised by the amount of forethought and strategy that is needed, specifically when it comes to packing. So what are some packing tips for a one-day business trip?
10 packing tips for a one-day business trip
- Choose the right carry-on bag. Unless your job requires additional bags or large items, you will likely only need a carry-on. Selecting the right carry-on can be tricky though. It needs to hold your computer and professional items, but leaves enough room for additional unexpected items. Years ago I attended a one-day business meeting in another state. They were very generous with gifts and I ended up carrying back a large yeti cup, a soft blanket and a large hardcover book on my lap on the flight home. If I had brought my backpack instead of more professional briefcase, I would have had room for everything and not looked like a hot mess.
- Bring a water bottle. Staying hydrated and alert is more important than ever on these one-day business trips. Bring a water bottle with you to the airport. You can fill it up once you pass through security and use as needed throughout the rest of the day without waiting for breaks or lunch.
- Remember extra business cards. You never know if you might run into someone new or how many people will be attending a meeting. Come prepared.
- Bring company swag and fliers. Speaking of being prepared, be ready to rep the company if you're meeting with external vendors, potential leads, or existing clients. Bring little goodies for everyone, as well as fliers, booklets or additional information you would readily turn to if you were in the office.
- Remember changers for your phone and computer. I know, a no-brainer, but a second reminder never hurts!
- Bring additional computer adapters. I can't even count how many times I've been in a meeting with faulty computer connectors to the overheard screen. Keep the meeting moving smoothly and look like a hero at the same time by bringing your own adapters.
- Remember headphones. You never know if you might be next to a screaming child on the plane or working remotely in a chatty office. Be prepared with headphones.
- Bring a snack. You might not eat it, but having a non-perishable granola bar, nuts, or pretzels on hand may save your sanity by mid-afternoon.
- What else? What are the little things you need in daily life but never think about? Things like: chapstick, gum, hair ties, bobbie pins, extra pen, hand lotion, vitamins or prescriptions, etc. Take a step back from your routine and see what you may be missing for your day away.
- Pack in time for yourself. De-stress by padding time in your schedule. Get to the airport early to check email. Or plan time to explore the area for a few minutes. It's ok to take time for yourself even on a short business trip.
One-day business trips don't really get the respect they deserve when it comes to planning. Fortunately, following these packing tips for a one-day business trip will help set you in the right direction.


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Order Online
Added Value and Convenience
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Order Online
The Gondolier locations listed below offer online ordering. Click the location nearest to you to start your order!


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Many people with lipoedema find it difficult and embarrassing to discuss their symptoms with their doctor, but as Lipoedema is often a progressive condition it is important to obtain an early diagnoses so GPs and patients can work together to prevent symptoms getting any worse.
Symptoms are often mis-diagnosed for lymphoedema or obesity and if left undiagnosed lipoedema can develop into lipo-lymphoedema.
A number of factors are taken into consideration when making a diagnosis of Lipoedema:
- Disproportionately larger/fatter legs and hips compared to the upper body
- Swelling is symmetrical (both sides of the body are affected equally)
- Hands and feet are not affected
- Loose, floppy connective tissues around the knee joints
- Fat that looks like cellulite and feels soft
- Tenderness/pain and easy or spontaneous bruising to affected areas
- Skin of affected areas may be pale and cold
- Upper arms may also be disproportionately fatter
- Patients may report increased swelling in hot weather
The Royal College of General Practitioners (RCGP) in partnership with Lipoedema UK have developed an elearning course for the diagnosis and management of Lipoedema.
Lipoedema UK's Big Survey 2014 revealed that only 5% of doctors were aware of Lipoedema. Most women reported on the frustration of decades of describing their symptoms to numerous health care professionals only to have their concerns brushed aside. This led to a failure to obtain an early diagnosis and lost opportunity to obtain advice and treatment in the early stages. Consistent lack of diagnosis can also lead to emotional problems and loss of self-esteem, especially as it was often inferred that the patient's lifestyle may have caused Lipoedema.
Edited by Dr Dirk Pilat, contributors to the course include the UK's leading expert on Lipoedema Professor Peter Mortimer, Dr Sarah Pledger, Lipoedema UK's Suzanne Evans, Sharie Fetzer and Nurse Consultants Chris Wise and Denise Hardy.
Lipoedema UK Membership pack includes a GP Information pack for anyone who feels they have the symptoms of Lipoedema but are unsure how to approach their GP. We provide a letter addressed to your GP informing them of the elearning course and explaining why it is important to obtain a diagnosis.The course has also been endorsed by the Royal College of Nurses.
This course is free for members of the Royal College of General Practitioners but will cost non members £25.
To view the course: click here
GP Referrals
Lymphoedema Clinics
Ideally all patients with lipoedema should be referred by their General Practitioner (GP) to a local lymphoedema clinic where they can be assessed and treated with appropriate conservative treatments such as compression garments and advice on diet, lifestyles and suitable exercises.
The British Lymphology Society BLS hold a list of UK Lymphoedema Clinics but not all accept patients with lipoedema. UK Lymphoedema services are inconsistent and a post-code lottery, as a considerable number of CCG areas have no provision at all. A growing number of lymphoedema clinics accept out of area and private patients for diagnosis and treatment.
List of UK Lymphoedema Clinics
Our sister charity the Lymphoedema Support Network maintains the most up to date list of clinics in each area.
Tertiary Referral Clinics
St Georges Hospital Trust, Wandsworth, London
Patients cannot self refer to Georges Hospital's Lymphoedema Clinic.
The clinic provides a routine NHS service for adults and children in Wandsworth, London suffering from lymphoedema and chronic oedema of all types. In addition the clinic treats patients with lipoedema, lipo-lymphoedema and related conditions. Patients are offered appropriate investigations and advice on treatment.
St. George's Hospital do not have direct access to funding for liposuction. Funding requests for liposuction should be made by a patient's GP to their own to Clinical Commissioning Group (CCG) on an individual basis. This is a lengthy process with no guarantee at this time, that funding will be approved by the patient's CCG.
To access the specialist lymphoedema services of Georges Hospital, from outside Wandsworth, a referral letter is required and must come from a hospital consultant. The clinic will not accept direct referrals from a patient's GP. The best route is to consult your own GP for advice on referrals in your area.
If a St Georges consultant sees a patient on a private basis, they can only treated at St Georges within the NHS service on a private basis; the patient cannot be offered an NHS appointment. The only exceptions to the above are:
1. GPs within Wandsworth CCG can refer directly into the service.
2. Non-private Lymphoedema Clinics can refer directly into the service.
Newly referred patients are offered appointments within the Government's Waiting List initiative.
Posted Referrals should be addressed to: Dr Kristiana Gordon, Lymphoedema Department, Dermatology, St George's Hospital, Blackshaw Road, London, SW17 0QT.
University Hospitals of Derby & Burton
Clinics are held at Florence Nightingale Community Hospital (Derby), Long Eaton Health Centre (Nottingham) and Kings Mill Hospital (Mansfield).
The best contact number to use for referral enquires is: 07385 954895.
Genetic Research into Lipoedema
Researchers at St Georges Hospital and University Hospitals of Derby and Burton are currently analysing the results of the patients recruited to their critical gene identification research into lipoedema. To date there are no conclusive results and for an update on their progress visit our section on Research.


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Techno-Aide's premium signs prominently display messages and warnings for numerous applications and purposes. The perfect solution to meet standards and requirements that protect patients and staff.
This large 10″ x 14″ sign distinctly displays both "Caution Radiation" and the universal warning symbol for ionizing radiation present. Designed to meet general x-ray/imaging room standards and compliance, the deep magenta writing stands out clearly against the bright yellow background.
- Large 10″ x 14″ size
- Deep magenta lettering against a bright yellow background for easy visibility and compliance
- Features four pre-drilled mounting holes for easy hanging
- Sign states "Caution Radiation Area" in English with the universal warning symbol for ionizing radiation present
- Made of durable, high impact polyethylene plastic


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I liked the border so much that I did one on a favorite photo from the MRE picnic. [ROTC crop.]
Friday, July 8, 2011
PM Portrait
Experimenting with making a less noisy background, whitening teeth slightly, and adding a creative border with a text bubble. More of the Photo Magic class with Marie -- had to switch gears since I am doing coinciding workshops! [If I choose to redo this one, would need to zoom and work more around Dareena's forehead and through strands of her hair.] These cousins sure have "some" of the Dorcas genes. They look like they are related!
1 comment:
- Joanne Huffman said...
great portraits!
- Friday, July 8, 2011 at 4:19:00 AM AKDT
Subscribe to: Post Comments (Atom)


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At 12:01 AM Eastern time Friday, the United States plans to increase tariffs from 10% to 25% on Chinese imports. Trump and Beijing plan to talk prior to the tariff hike sometime today. China has stated they will retaliate if the tariff hike goes through.
If the tariff increase goes through, both the U.S. and China's imports and exports will likely be affected by both the tariff hike and retaliatory measures that may be taken on either side.
Read more here.
Comments are closed.
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Proven freight brokers helping shippers and purchasing professionals navigate the complicated world of shipping.
September 2022


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Para la mejor vista de nuestra página web, use su dispositivo en forma horizontal.
Since its inception in 2000, the Echigo-Tsumari Art Triennale has remained a unique cultural event attended by over 500,000 people. Recurring every three years, it brings together art, ecology, and communities in the Echigo-Tsumari region in Niigata prefecture, Japan. With the overarching theme of "humans as part of nature," both individual artists and cultural organizations from around the world transform the 300 square miles of land in north central Japan into a large-scale art installation.
For the first time in English, art fans and attendees of the Echigo-Tsumari Art Triennale can take home a piece of the event — both past and present. Art Place Japan (Princeton Architectural Press, Nov. 3, $35) has been translated from the original Japanese edition and features all new photographs highlighting the various sculptures and installations at the event. Fifty pages of new content have been added chronicling the event since its beginning fifteen years ago. For new attendees, it also features background information on how the triennale began and details about some of the most remote sites.
The 6th Echigo-Tsumari Art Triennale takes place from July 26th to September 13th. Roughly 180 artists will participate in this year's event including landscape artists, sculptors, and architects who will create artworks in approximately 200 villages across the Echigo-Tsumari Art Field.
About the Author
Fram Kitagawa is the General Director of the Echigo-Tsumari Art Triennale. He is the recipient of many awards including the Ordre des Arts et des Lettres from the French Republic, the Order of Culture from the Republic of Poland, and the 2006 Japanese Education Minister's Award for Art.
Para más informaciones, contacte a:
Steph Leke
Tel.: (+1) 212 995 9620 ext. 229
Art Place Japan
The Echigo-Tsumari Art Triennale
and the Vision to Reconnect Art and Nature
Fram Kitagawa
Traducción al inglés:
Amiko Matsuo y Brad Monsma
6 x 8.25 in / 15.5 x 21 cm
304 pp / 233 fotos color
$35.00 / £21.99
Fecha de publicación: Noviembre 2015


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Shadowlord – NieR Gestalt & Replicant Piano Collections, music by Keiichi Okabe, arranged by Keigo Hoashi, played by Richard Yang on Yamaha N1X.
"Shadowlord" is definitely not the right name to describe this beautiful melody. I could only wish there were more variations of this melody to really expand the piece into something bigger.
NieR Gestalt & Replicant Piano Collections is such a beautiful album with mostly intermediate arrangements. It is so beautiful I had to wait until I got my Yamaha N1X to record the album with direct audio instead of my regular set up with the iPhone mic. This album is considerably easier than the NieR Automata album, which I will release after this one. But being easier does not take the beauty away from the music. Some of the favorite tracks are Song of the Ancients, Grandma, Gods Bound by Rules, and Ashes of Dreams.
Click here to go to the master index page for the NieR music I recorded.