text:
Synapse development in cultured hippocampal neurons after 15 days in vitro. Neurons were immunostained for MAP2, a microtubule associated protein localized to dendrites (green) and the presynaptic vesicle protein Synapsin I (red) to show the density of presynaptic contacts along the dendritic arbor.
Embryonic rat hippocampal neurons were prepared as previously described (see Kaech and Banker, 2006, Nat Protoc). Cells were prepared for fluorescent staining as previously described (Withers and Banker, 1998, in Culturing Nerve Cells, MIT Press). Briefly, cells were fixed (4% formaldehyde, 4% sucrose in phosphate buffered saline, pH 7.4), permeabilized with 0.25% Triton and immunostained for MAP2 (monoclonal HM2, Sigma, with Alexa 488 conjugated secondary, excitation, 494, emission, 519 [Invitrogen, Molecular Probes]) and synapsin I (from P. DeCamilli, with DyLight549 conjugated secondary, excitation, 555, emission, 568, [Jackson Immunoresearch]). Images were acquired with a Leica DMRA microscope with a 20X objective (Fluotar, 0.5NA), Photometrics CoolSnap ES CCD camera and MetaMorph software. This color was generated using the MetaMorph "color combine" function.
Spatial Axis | Image Size | Pixel Size |
X | 1300px | 0.339µm |
Y | 1030px | 0.339µm |


text:
Adobe Creative Suite 6 Design & Web Premium Classroom in a Book
Creative professionals seeking the fastest, easiest, most comprehensive way to learn Creative Suite 6 choose Adobe Creative Suite 6 Design and Web Premium Classroom in a Book from the Adobe Creative Team at Adobe Press. The 6 project-based lessons show readers step-by-step the key techniques for working with the applications in the Creative Suite. Readers learn what they need to know to create engaging layouts for print or web publishing.
This completely revised Adobe Creative Suite 6 Design & Web Premium edition covers new tools and essential performance and workflow enhancements, including how to set up basic assets in Bridge CS6, use Content-Aware tools on images and edit video in Photoshop CS6, create accurate image tracings in Illustrator CS6, design print layouts and documents for mobile devices in InDesign CS6, and protoype and build a website in Dreamweaver CS6.
The companion DVD includes all the lesson files readers need to work along with the book. Each chapter contains a single project that builds on the reader's growing knowledge of the suite and how to use the suite applications together.
Table of Contents
Part I: Introducing the Suite and Its Individual Applications
About Adobe Creative Suite 6 Design and Web Premium
Part II: The Projects
Chapter 1. Setting Up Basic Assets
Chapter 2. Designing for Mobile Devices
Chapter 3. Creating a Print Layout
Chapter 4. Creating an Online and Mobile Version of a Print Layout
Chapter 5. Prototyping and Designing a Website
Chapter 6. Submitting Work for PDF Review
Book Details
- Paperback: 320 pages
- Publisher: Adobe Press (July 2012)
- Language: English

subset: commoncrawl


text:
Tax breaks ease the cost of mortgage
Buying a home is when you begin building equity in an investment instead of paying rent. And Uncle Sam is there to help ease the pain of high mortgage payments. The tax deductions now available to you as a homeowner will reduce your tax bill substantially.
If you have been claiming the standard deduction up until now, the extra write-offs from owning a home almost certainly will make you an itemizer. Suddenly, the state taxes you pay and your charitable donations will earn you tax-saving deductions, too. So make sure you know about all these breaks that may now be available to you:
- Mortgage interest
- Points
- Real estate taxes
- Mortgage Insurance premiums
- Penalty-free IRA payouts for first-time buyers
- Home improvements
- Energy credits
- Tax-free profit on sale
- Home equity loans
- Adjusting your withholding
Mortgage interest
For most people, the biggest tax break from owning a home comes from deducting mortgage interest. You can deduct interest on up to $1 million of debt used to acquire or improve your home.
Your lender will send you Form 1098 in January listing the mortgage interest you paid during the previous year. That is the amount you deduct on Schedule A. Be sure the 1098 includes any interest you paid from the date you closed on the home to the end of that month. This amount is listed on your settlement sheet for the home purchase. You can deduct it even if the lender does not include it on the 1098. If you are in the 25 percent tax bracket, deducting the interest basically means Uncle Sam is paying 25 percent of it for you.
When you buy a house, you may have to pay "points" to the lender in order to get your mortgage. This charge is usually expressed as a percentage of the loan amount. If the loan is secured by your home and the amount of points you pay is typical for your area, the points are deductible as interest as long as the cash you paid at closing via your down payment equals the points.
For example, if you paid two points (2%) on a $300,000 mortgage—$6,000—you can deduct the points as long as you put at least $6,000 of your own cash into the deal. And believe it or not, you get to deduct the points even if you convinced the seller to pay them for you as part of the deal. The deductible amount should be shown on your 1098 form.
Real estate taxes
You can deduct the local property taxes you pay each year, too. The amount may be shown on a form you receive from your lender, if you pay your taxes through an escrow account. If you pay them directly to the municipality, though, check your records or your checkbook registry. In the year you purchased your residence, you probably reimbursed the seller for real estate taxes he or she had prepaid for time you actually owned the home.
If so, that amount will be shown on your settlement sheet. Include this amount in your real estate tax deduction. Note that you can't deduct payments into your escrow account as real estate taxes. Your deposits are simply money put aside to cover future tax payments. You can deduct only the actual real estate tax amounts paid out of the account during the year.
Mortgage Insurance Premiums
Buyers who make a down payment of less than 20 percent of a home's cost usually get stuck paying premiums for Mortgage Insurance, which is an extra fee that protects the lender if the borrower fails to repay the loan. For mortgages issued in 2007 or after, home buyers can deduct premiums.
This write-off phases out as adjusted gross income increases above $50,000 on married filing separate returns and above $100,000 on all other returns. (If you're paying mortgage insurance on a mortgage issued before 2007, you're out of luck on this one.)
Penalty-free IRA payouts for first-time buyers
As a further incentive to homebuyers, the normal 10 percent penalty for pre-age 59½ withdrawals from traditional IRAs does not apply to first-time home buyers who break into their IRAs to come up with the down payment. This exception to the 10 percent penalty does not apply to withdrawals from 401(k) plans.
At any age you can withdraw up to $10,000 penalty-free from your IRA to help buy or build a first home for yourself, your spouse, your kids, your grandchildren or even your parents. However, the $10,000 limit is a lifetime cap, not an annual one. (If you are married, you and your spouse each have access to $10,000 of IRA money penalty-free.) To qualify, the money must be used to buy or build a first home within 120 days of the time it's withdrawn.
But get this: You don't really have to be a first-time homebuyer to qualify. You're considered a first-timer as long as you haven't owned a home for two years. Sounds great, but there's a serious downside. Although the 10 percent penalty is waived, the money would still be taxed in your top bracket (except to the extent it was attributable to nondeductible contributions). That means as much as 40 percent or more of the $10,000 could go to federal and state tax collectors rather than toward a down payment. So you should tap your IRA for a down payment only if it is absolutely necessary.
There's a Roth IRA corollary to this rule, too. The way the rules work make the Roth IRA a great way to save for a first home. First of all, you can always withdraw your contributions to a Roth IRA tax-free (and usually penalty-free) at any time for any purpose. And once the account has been open for at least five years, you can also withdraw up to $10,000 of earnings for a qualifying first home purchase without any tax or penalty.
Home improvements
Save receipts and records for all improvements you make to your home, such as landscaping, storm windows, fences, a new energy-efficient furnace and any additions.
You can't deduct these expenses now, but when you sell your home the cost of the improvements is added to the purchase price of your home to determine the cost basis in your home for tax purposes. Although most home-sale profit is now tax-free, it's possible for the IRS to demand part of your profit when you sell. Keeping track of your basis will help limit the potential tax bill.
Energy credits
Some energy-saving home improvements to your principal residence can earn you an additional tax break in the form of an energy tax credit worth up to $500. A tax credit is more valuable than a tax deduction because a credit reduces your tax bill dollar-for-dollar.
You can get a credit for up to 10 percent of the cost of qualifying energy-efficient skylights, outside doors and windows, insulation systems, and roofs, as well as qualifying central air conditioners, heat pumps, furnaces, water heaters, and water boilers.
There is a completely separate credit equal to 30 percent of the cost of more expensive and exotic energy-efficient equipment, including qualifying solar-powered generators and water heaters. In most cases there is no dollar cap on this credit.
Tax-free profit on sale
Another major benefit of owning a home is that the tax law allows you to shelter a large amount of profit from tax if certain conditions are met. If you are single and you owned and lived in the house for at least two of the five years before the sale, then up to $250,000 of profit is tax-free. If you're married and file a joint return, up to $500,000 of the profit is tax-free if one spouse (or both) owned the house as a primary home for two of the five years before the sale, and both spouses lived there for two of the five years before the sale.
Thus, in most cases, taxpayers don't owe any tax on the home-sale profit. (If you sell for a loss, you cannot take a deduction for the loss.)
You can use this exclusion more than once. In fact, you can use it every time you sell a primary home, as long as you owned and lived in it for two of the five years leading up to the sale and have not used the exclusion for another home in the last two years. If your profit exceeds the $250,000/$500,000 limit, the excess is reported as a capital gain on Schedule D.
In certain cases, you can treat part or all of your profit as tax-free even if you don't pass the two-out-of-five-year tests. A partial exclusion is available if you sell your home "early" because of a change of employment, a change of health, or because of other unforeseen circumstances, such as a divorce or multiple births from a single pregnancy.
A partial exclusion means you get part of the $250,000/$500,000 exclusion. If you qualify under one of the exceptions and have lived in the house for one of the five years before the sale, for example, you can exclude up to $125,000 of profit if you're single or $250,000 if you're married—50 percent of the exclusion of those who meet the two-out-of-five-year test.
Home equity loans
When you build up enough equity in your home, you may want to borrow against it to finance an addition, buy a car or help pay your child's college tuition. As a general rule you can deduct interest on up to $100,000 of home-equity debt as mortgage interest, no matter how you use the money.
Adjusting your withholding
If your new home will increase the size of your mortgage interest deduction or make you an itemizer for the first time, you don't have to wait until you file your tax return to see the savings. You can start collecting the savings right away by adjusting your federal income tax withholding at work, which will boost your take-home pay. Get a W-4 form and its instructions from your employer or go to www.irs.gov.
Count on TurboTax to help you get the money-saving deductions available to you as a homeowner.
FROM: turbotax.intuit.com/tax-tools/tax-tips/Home-Ownership/Buying-Your-First-Home


text:
Ian Barber has a new post about an interesting method for determining the "line" that results follow in your statistics - linear regression in PHP (complete with code samples).
There are a lot of problems that fall under predicting these types of continuous values based on limited inputs - for example: given the air pressure, how much rain will there be, given the qualifying times, how quick will the fastest lap be in the race. By taking a bunch of existing data and fitting a line, we will be able to make a prediction easily - and often reasonably correctly.
He defines two pieces of information, the intercept and the gradient, and how they relate to minimize the "square error" that can come from getting the square root of your values based on the difference between an actual and predicted value. Based on a sample data set, he comes up with these results, showing the trend line for the points given. He points out a few issues with the method and corrects them with a few tweaks to his original algorithm.


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In our series of events "New German Stories" we present different perspectives on the immigration country Germany. That immigrants from Turkey, Vietnam, Poland, India and Cameroon and their descendants have stories to tell is nothing new—the novel twist is, that they present them here as German stories. On Tuesday, 8 July, director Canan Turan will be a guest of the Academy of the Jewish Museum. In her film KIYMET, she tells the story of her grandmother, who migrated to Berlin from Turkey in the early 70s. We asked Canan three questions about her project:
How did the idea to make a film about your grandmother Kıymet come about? → continue reading


text:
Explore the help topics, and if you can't find your answer or just want to say 'hi', please come by the forums (which are filled with friendly folk, we promise!) or email us.
Top questions
Quick question?
Tweet @rememberthemilk
How do I print the notes for a task?
To print the notes for a task:
- In the tasks list, select the task that has the notes you'd like to print.
- In the task details on the right, click on the print icon in the top right corner.
- Click Print after customising the print options as needed.
Your notes will be displayed in a printer-friendly format in a new window.
Still need help?
Contact a human


text:
LOGic's awards progress tracking is absolutely unsurpassed.
Thanks to LOGic's user-defined fields, it can easily track any award. Lists are provided for all popular awards so that the count and list of worked/confirmed as well unworked entities is displayed. You may create your own lists. It is not necessary to create a list to track awards -- LOGic simply builds a list of entities as you work them.
All of LOGic's awards tracking facilities -- its several real-time displays and reports -- function exactly the same way regardless of which award you are tracking, be it DXCC or Worked All Podunk. Simply select the award and SubawardTM from a dropdown menu.
Paper chasers will appreciate LOGic's huge database of 1010, SMIRK, FIST, IOTA, CIA, USI, counties, etc., which may be kept up-to-date via the internet.
LOGic's exclusive Subawardtm feature makes tracking "combination" awards such as QRP DXCC, or 1010 WAS as easy as tracking "regular" awards. For instance, to set LOGic up to track progress for 1010 WAS, simply fill out LOGic's filter screen for State tracking to specify that the 1010 number field must be filled in. All of LOGic's progress tracking displays will track Subawards the same way the track "normal" awards.
For the VHF/UHFer, FFMA and CQ Field are fully supported with no additional effort on your part. Just log the Grid square as always. This is made possible by a new powerful feature in LOGic called Virtual Fields.
Those active in organizations such as 1010, SMIRK, OMISS, etc. will appreciate LOGic's Memberships Database.
LOGic also tracks awards in which points are assigned, such as FISTS and FISTS millionaire, which are essentially ongoing contests. Just log all contacts as usual, and if something is entered in the FISTS# field, points will be added to your score.
A Cards Needed report shows worked but unconfirmed QSOs for DXCC or other awards that would increase your totals if only you had the QSL. This report shows you where to concentrate your QSLing efforts. Confirm new ones without getting in a single pileup!
A QSL route database with 50,000+ entries and frequent free internet updates is provided.
Logbook of The World and eQSL are fully supported, with simple one-step upload and download/check-in of QSLs.
DXCC Challenge is supported.


text:
You and me — all of us — want to be happy. We want to live a life full of meaning, purpose, passion, and joy. But these four change as we respond and grow. This frequently creates a disconnect when we need to move on but a stuck and scared part of us clings to the old.
Many people have lost interest in the ordinary ways of looking for meaning, purpose, passion, and joy. They walk around unhappy, with their heads buried and hearts drowning in work, family, and social connections that do not satisfy.
Happiness exists on at least four increasing levels of depth — physical, emotional, creative, and spiritual. Quite often, we have trouble accepting the fact that we need to move on — and to "move up". Hence, many of us are stuck. We do not know how to switch toward pursuing higher expressions of meaning, purpose, passion, and joy. The result is dissatisfaction, depression, and being stuck. It can even spill into a bodily malady.
Dr. Anatole's life work is about understanding and teaching the effective ways of reaching heaven, the finest happiness there is — because it is unconditional. He has dedicated his entire life to finding the answer and has made himself the primary guinea pig in this important quest. He prefers effective methods and real results and dislikes dogma, irrational thinking, unproductive cultural expectations, and similar nonsense.
Anatole D. Ruslanov, PhD, is an author and mentor. With his focus on clarity, depth, competency, and real results, Dr. Anatole offers skilled support to people who seek real and deep meaning, purpose, passion, and joy in their life. Dr. Anatole is available as a mentor and for public speaking and workshops. Read more here.


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Address: | |
166 State Route 31 | |
Flemington, NJ 08822 | |
Large Map & Directions | |
Website: | |
http://www.mtb.com | |
Opened: | |
2009-03-07 |
Mon: | 10:00 AM - 04:00 PM |
Tue: | 10:00 AM - 04:00 PM |
Wed: | 10:00 AM - 04:00 PM |
Thu: | 10:00 AM - 04:00 PM |
Fri: | 10:00 AM - 04:00 PM |
Sat: | Closed |
Sun: | Closed |
The only debit + credit card that matches your political donations. Click here to see now!
Established On: | |
Jan. 1, 1856 | |
FDIC Certificate Number: | |
588 | |
Total Assets: | |
$96,411,208,000 | |
Deposit Insurance: | |
Community Bank: | |
No | |
Asset Concentration: | |
Commercial Lending Specialization | |
Institution Class: | |
Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) |
Reviews & Feedback
open cuenta
Customer service of Kevin is terrible! disgusting!
My Bank
drive thru machine is mounted too low, cant reach without difficulty!!
this branch has been closed for years but yet M&T keeps the listing posted. Typical of their "customer ervice"
This bank lacks Customer service skills, BIG TIME!!!
Terrible local branch bank. Beware change your mailing address without your request.
ok you too
Get rich today and take the risk of transforming your own life.Try and
get an ATM card blank today (MR WANDY) and be among the lucky ones who are benefiting from this card. This ATM card in white set is capable of hacking into any ATM anywhere in the world. I have to know about this blank ATM card when I was looking for work online about a month ago..It has really changed my life forever and now I can say I'm rich because I am a living testimony. The less money I get in a day with this card is $ 3,000.Every now and then keep pumping money into my account. Although illegal, there is no risk of being caught, as it is programmed so that it can not track, but also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today, email hackers: firstname.lastname@example.com
I had an awful mishap happen when the ATM misread some of the numbers in the account number of a settlement check I deposited. The Branch Manager of the bank I opened my account with somewhere around 7 years ago wasn't really willing to assist me so I went to the Branch I usually work with. The Branch Manger, Assistant Branch Manager and another banker named Mike jumped on the case immediately making phone calls, covering fees that were hitting my account due to the check being rejected and resolving the issue. Never have I had anyone work so hard to help me and here I had 3 outstanding, caring individuals. Thanks to them I will continue to be a customer of M & T Bank, but you must know that they are the ONLY reason I will stay. They should be commended. The Branch is located at 3401 Erie Boulevard in Dewitt/Syracuse NY
The service or lack of service at this branch is very poor. Time after time there is only one teller to service both the lobby and the drive in. Today I wanted to exchange $160.00 in assorted bills for $20.00 bills. Had to give an account number and debit card. After four minutes I got angry and said what is going on, just give me my money I was asked to be patient, I said by the time I get my money it will have earned interest, The employees are nice the rules ridiculous, I worked in a bank for a lot of years never saw anything like this.
Hi. Awful experience as I inquired on M&Ts first home buying program and was directed to Elayn DiNardo ( married now to Fasto as the bank rep informed me)
Well unlike her last name would imply she is anything but fast and also intelligent. She speaks a terrible version of English and has difficulties understanding common mortgage terminology like amortization? Ridiculous to have an uneducated individual working in this important position. I decided to use my hospitals credit union since I am a PA and received a quick approval
Attractive rate and a$1000 refund applicable towards any fees. M&T s loss!
We have been with this branch of M and T for 40 years, We hear bad things about the management of this branch and were advised by various friends who we know who banked here to with to another bank, or else go to the Harlem branch.
Someone who worked there and helped us for twenty years with kindness and competence was fired. This upset us a lot and we will be switching either branches or banks. It's sad as it used to be excellently run for years.
The purpose of this email is to advise the management of M & T in Rockaway that I am so very very pleased with assistance and guidance I received from Miranda Feti. My husband passed away less than three months ago and I have been overwhelmed with paperwork and decisions. She was wonderful at a time when I really needed help. I can't tell you what her attention and kindness meant to me and to my family. Thank you
I used too BANK with MT& T TREAT U LIKE
FAMILY and HAVE YOUR CONCERN!!!!!!
What is the process to add another person's name to my account . Thank you
July 23,2018,I attempted to deposit a $25.00 check made out to an organization that I belong to and happen to be the finance officer.The check was endorsed to deposit only to the account of that organization.I have no idea what the problem was,but the branch manager had to help the teller and I was eventually asked for my driver's license and phone number.My organization also has a CD with this bank.I have had nothing but problems with M&T bank since taking over Hudson City Savings.I was simply depositing a very small check to the account of payee.Well,if things do not improve,and improve quickly with my service,I will be forced to take the business to another facility.As a former 9 year employee with the Federal Reserve Bank in NY and a retired Police Chief I think my service this morning was very poor.,to say the least.
The workers at the Niagara Street Tops market branch are very condescending to your clients. I only go there when it is totally necessary and each time has been negative. I suggest some training to be respectful to all. thank you.
I have dealt with Shannon from the Riverhead branch on the phone and she was extremely nice and helpful. She has always helped me in more ways than one. Thanks Shannon.
This bank is very difficult to deal with.
It is impossible to reach a live person on the phone.
Ordering checks is frustrating unless you personally stop in a branch.
They are constantly asking for ID when cashing checks even though we have been banking at M&T for quite sometime.
If it wasn't a hassle to have our direct deposit changed to another bank we would move our checking account.
We refuse to open a savings account with M&T.
i transfered Euro ten days ago to M+T bank Buffalo Fountain Plaza branch one from Turkey .The receiver could not get the transfered amount yet. Account Number 9874445530 Who can help me? Not possible to get in touch by phone or mail.
Worst branch . I was just waiting and employee were talking loudly in their on language which was so annoying . I feel like I am in different country . I will sure change my location to use M&T . Inspite all this the lady All the way in last corner who helped me was very helpful and cooperative. She knows how to give exceptional service to their customer . Really thankful to her who knows all product and helped me outstanding .
I would like to know if you have any reloaded credit cards
It a credit card where you add money onto it. Is there a way you can send me one
Thank yoi Frances Buckle
My mother-in-law has been a M&T customer for more than 20 years and had the most unethical experience ever at this location. We had initially called and spoke with George to schedule an appointment and what the visit was for. Upon arrival, my mother-in-law was not only looked down upon due her limited English, but was unethical asked if she was an U.S Citizen and accused of how she was able to obtain her tax ID. There was no need for George to have asked that question as it was irrelevant to the situation and should not have accuse her for suspicion as there was no need for the matter. We had already spoken on the phone prior to her visit and should have just provided her the service she needed to get done. She left the branch emotionally and mentally traumatized by her experience with George. She ended up going to a different M&T branch and her business was taken care of within minutes. The upper levels should really look into their employees and their unethical customer service.
Very Poor management. Manager is always stepped out from this branch. I went few times at this branch and middle teller always be in cell phone. I was waiting and teller in the end she was very nice. She acknowledged me and also in drive thru windows. People are waiting in line but the teller in middle was ignoring them and busy with her own things. Manager or supervisor has to keep eye on this. One teller working very hard and others are not .This is so unfair . Very poor customer service. I also tried in drive thru window and same experience i had.The lady who is working as a teller in the end is very nice and hard working. Very thankful to her who always go above and beyond of my expectations. I do not remember her name but she is a part time employee. i would suggest if you have to go in this branch just ask her to help as she knows what she is doing. She has all type of knowledge about banking. If she is not there i would rather change my bank .
put phone # on page for this branch
A complaint, NOT for Lea Blvd. branch, which I used while I was in Wilm., Brandy- wine Hills Apts. Problem: Nov 2017 my debit card was stolen while in Tanzania, E. Africa. I reported and I locked my account #9865948773, savings#15004234749363. Was told new card sent to me in Tanzania to son's office at the United Nations. I DID NOT RECEIVE THE CARD. Kept online&acct. locked while waiting for card. I NEED ACCT. OPENED so I can pay bills by check and use ATM here in Africa to pay for DIABETIC MEDICATIONS. It was not opened when I asked! I am diabetic I need meds. I need access to my money! PLEASE RESPOND TO TELL HOW YOU CAN HELP ME. I am really desperate. Please respond! Thank you.
read the reviews and was I shocked. The Monroe, NY branch is awesome. I am a small account customer, but I am treated like royalty by all of the staff including the manager. Seems to me that most of the negative reports here are from outside of New York. What does that tell you?
The teller was very helpful and answered every question with a quick answer with no deception of the response.
Worst incompetent, discourteous bank--made a special in person visit to refinance & was promised an agent would call which NEVER HAPPENED. I have several properties & would never recommend this uncaring bank to anyone. Absolutely no valid reason to ignore a customer who has an existing mortgage with this lousy bank.
why don't you have your phone number on the web site
Recently had an overdraft charge for $38.50 fo a$2.17 deficit . This seems so wrong. Otherwise this bank is very reliable and good to work with.
I am not a computer savvy patron, trying to find the telephone number for the M & T bank of the above address/branch but nowhere to find!!!! I have some important question & can't go to the above bank.
A few weeks ago I went to this branch and wanted to cash my check from my employer which it is drawn out onto MT Bank. I expressed that I wanted to do so to the fact that I didn't want to have to wait for it to clear in my account at my bank and I informed the teller that I was trying to pay my sons rent who is in college and it is me the single dad that is funding his education,anyway the teller proceeded to hold on to my check and ID which they believe it or not they helped me out in the past then she took my ID and check around the corner and her and her manager still held on to it staring at me then asked me to come have a seat and reached for the phone why I don't know at that point for some reason I felt somewhat profiled which I didn't like and felt embarrassed so I then at that point I asked for my check back and decided to leave because that teller and bank manager made me feel like I had done something wrong, so with all that being said I did not like the way I was treated at this branch and would not suggest anyone to bank here or even ask them for help if you were being mugged in front of their bank.
Need branch in Myrtlebeach S.C.
We became M&T customers when they took over the Hudson City branch in Flemington, NJ several years ago. We have over $300,000 on deposit at this bank in IRAs, CDs, checking, and savings accounts. As our Hudson City CDs mature, M&T has dropped the interest rates dramatically. We're retired and needed to move these matured CDs to a new bank paying higher rates. Also M&T is leaving Flemington and the closest branch will now be a 25 min. drive. So recently we delivered Transfer Request forms to M&T in Flemington to have four maturing IRA CDs transferred to our new bank, also in Flemington. After three weeks, two of the CDs have still not been transferred; the paperwork and checks have not arrived at our new bank, tho M&T claims to have mailed them. In the meantime we're losing interest on that money. Oh, and the other two CDs that WERE transferred to our new bank?...well M&T deducted $75 FROM EACH as a fee for mailing the check!! Greed, pure and simple. Seems there's no oversight on banks these days.
Overall good bank with poor & unpleasant customer service . Unprofessional behavior by Ratna M., Relationship Banker. Don't plan to use this branch again. She wanted to charge $10, for just a regular check in closing my CD.
Excellent staff with Excellent customer service..!!
Even though the bank is using less tellers, my overall experience has been great. I recently moved all of my accounts there because the banks I used (wells and Bank of America) had no customer service whatsoever and seemed to only want to sell. This branch off of flower hill way knows a lot of their customers and makes them feel like family. I bank for the experience, not for the national presence.
Today 12/14/16 As of 2:30 pm after 3 phone calls and on hold for more than 30 minutes each time still can't get someone to help me. But tried a different option has if was interested for a mortgage someone picked up the phone in less then 30 seconds. It's a descrace.
keep sat. open at least a half day's or we are checking out.
My experience with this branch, especially with the assistant manager was horrible, she stirred me in the wrong direction, she never told me that I was allowed now one withdrawal on my IRA's, no matter how many I have. Thanks to her now I will be paying a penalty for earlier distribution since I am not 59 1/2 plus 10%. Thank You assistant branch manager. Plus your attitude needs some adjustment.
After having several very poor experiences with customer service at this bank I decided to finally write a review about them. Never in my life have I ever had a bad experience at any bank that I have dealt with. The tellers and people within the bank normally bend over backwards to make it a positive experience but not the case here. Sometimes you can chalk off poor service to a bad day either on your part or theirs but again this is definitely a pattern with this bank and I have every intention of pulling my account out of there very soon!
Went into branch to cash an M&T check from a friend. The bank manager insisted on charging $4 to cash the check. How do you quantify that? Was it worth $4 for the teller to open the drawer or pull out the cash or close her teller drawer? Of course not. They were cashing one of their own checks.
Just further proof that one need lie on his or her back to be a greedy whore
I am very upset over the lack of respect given to their customers. I have had accounts here since I was 16, I'm now 40. These new people care nothing about having me as a customer. Sad when you are treated like you are just a dot at the end of a sentence. I will be removing all my accounts and the company accounts. I'm sure they will not notice or even care....


text:
• Bonemeal, Calcium Aspartate, Calcium Carbonate, Calcium Chelate, Calcium Citrate, Calcium Citrate Malate, Calcium Gluconate, Calcium Lactate, Calcium Orotate, Dolomite, Oyster Shell Calcium, Tricalcium Phosphate
• Attention Deficit Disorder , Colon Polyps and Cancer Prevention , High Cholesterol , Hypertension , Dysmenorrhea (Menstrual Pain) , Migraine Headaches , Periodontal Disease , Preeclampsia , Weight Loss
Calcium is the most abundant mineral in the body, making up nearly 2% of total body weight. More than 99% of the calcium in your body is found in your bones, but the other 1% is perhaps just as important for good health. Many enzymes depend on calcium in order to work properly, as do your nerves, heart, and blood-clotting mechanisms.
To build bone, you need to have enough calcium in your diet. But in spite of calcium-fortified orange juice and the best efforts of the dairy industry, most Americans are calcium deficient. 1 Calcium supplements are a simple way to make sure you're getting enough of this important mineral.
One of the most important uses of calcium is to help prevent and treat osteoporosis, the progressive loss of bone mass to which menopausal women are especially vulnerable. Calcium works best when combined with vitamin D.
Other meaningful evidence suggests that calcium may have an additional important use: reducing PMS symptoms.
Although there are some variations between recommendations issued by different groups, the official US and Canadian recommendations for daily intake of calcium are as follows:
- Infants
- 0-6 months: 210 mg
- 7-12 months: 270 mg
- Children
- 1-3 years: 500 mg
- 4-8 years: 800 mg
- Males and Females
- 9-18 years: 1,300 mg
- 19-50 years: 1,000 mg
- 51 years and older: 1,200 mg
- Pregnant and Nursing Women
- Under 19 years: 1,300 mg
- 19 years and older: 1,000 mg
To absorb calcium, your body also needs an adequate level of vitamin D (for more information, see the article on Vitamin D ).
Various medications may impair calcium absorption or metabolism, either directly or through effects on vitamin D. People who use these may benefit by taking extra calcium and vitamin D. Implicated medications include corticosteroids , 30-32heparin , 33-35isoniazid , 36-38 and anticonvulsants . 39-45 Note: Calcium carbonate might interfere with the effects of anticonvulsant drugs, and for that reason should not be taken at the same time of day. 46,47
Milk, cheese, and other dairy products are excellent sources of calcium. Other good sources include orange juice or soy milk fortified with calcium, fish canned with its bones (such as sardines), dark green vegetables, nuts and seeds, and calcium-processed tofu.
Many forms of calcium supplements are available on the market, each with its own advantages and disadvantages.
Naturally Derived Forms of Calcium
These forms of calcium come from bone, shells, or the earth: bonemeal, oyster shell, and dolomite. Animals concentrate calcium in their shells, and calcium is found in minerals in the earth. These forms of calcium are economical, and you can get as much as 500 mg to 600 mg in one tablet. However, there are concerns that the natural forms of calcium supplements may contain significant amounts of lead. 2 The level of contamination has decreased in recent years, but still may present a health risk. 3,4 Calcium supplements rarely list the lead content of their source, although they should. The lead concentration should always be less than 2 parts per million.
Refined Calcium Carbonate
This is the most common commercial calcium supplement, and it is also used as a common antacid. Calcium carbonate is one of the least expensive forms of calcium, but it can cause constipation and bloating, and it may not be well absorbed by people with reduced levels of stomach acid. Taking it with meals improves absorption because stomach acid is released to digest the food. 121 (See the section, Chelated Calcium, below.)
Chelated Calcium
Chelated calcium is calcium bound to an organic acid (citrate, citrate malate, lactate, gluconate, aspartate, or orotate). The chelated forms of calcium offer some significant advantages and disadvantages compared with calcium carbonate.
Certain forms of chelated calcium (calcium citrate and calcium citrate malate) are widely thought to be significantly better absorbed and more effective for osteoporosis treatment than calcium carbonate. However, while some studies support this belief, 6,7,9,10 others do not. 8,122,123 The discrepancy may be due to the particular calcium carbonate products used; some calcium carbonate formulations may dissolve better than others.
One study found that calcium citrate malate in orange juice is markedly better absorbed than tricalcium phosphate/calcium lactate in orange juice. 148
A form of calcium called active absorbable algal calcium (AAACa) has also been promoted as superior to calcium carbonate, but the study upon which claims of benefit are founded actually used quite questionable statistical methods (technically, post-hoc subgroup analysis). 133
Chelated calcium is much more expensive and bulkier than calcium carbonate. In other words, you have to take larger pills, and more of them, to get enough calcium. It is not at all uncommon to need to take five or six large capsules daily to supply the necessary amount, a quantity some people may find troublesome.
Therapeutic Dosages
Unlike some supplements, calcium is not taken at extra high doses for special therapeutic benefit. Rather, for all its uses, it should be taken in the amounts listed under Requirements/Sources, along with the recommended level of vitamin D. (See the article on vitamin D for proper dosage amounts.)
Calcium absorption studies have found evidence that your body can't absorb more than 500 mg of calcium at one time. 11 Therefore, it is most efficient to take your total daily calcium in two or more doses.
Use of prebiotics known as "inulin fructans" may improve calcium absorption. 149
It isn't possible to put all the calcium you need in a single multivitamin/mineral tablet, so this is one supplement that should be taken on its own. Furthermore, if taken at the same time, calcium may interfere with the absorption of chromium and manganese . 12,13,14 This means that it is best to take your multivitamin and mineral pill at a separate time from your calcium supplement.
Although the calcium present in some antacids or supplements may alter the absorption of magnesium , this effect apparently has no significant influence on overall magnesium status. 15,16 Calcium may also interfere with iron absorption, 17-22,150 but the effect may be too slight to cause a problem. Some studies show that calcium may decrease zinc absorption when the two are taken together as supplements; however, studies have found that, in the presence of meals, zinc levels may be unaffected by increases of either dietary or supplemental calcium. 23-29
Therapeutic Uses
According to most, though not all studies, use of calcium (especially in the form of calcium citrate) combined with vitamin D may modestly slow the bone loss that leads to osteoporosis . 48-55,151-153
A rather surprising potential use of calcium came to light when a large, well-designed study found that calcium is an effective treatment for premenstrual syndrome (PMS). 56 Calcium supplementation reduced all major symptoms, including headache, food cravings, moodiness, and fluid retention. It is at least remotely possible that there may be a connection between these two uses of calcium: weak evidence hints that PMS might be an early sign of future osteoporosis. 57,58
One small but carefully conducted study suggests that getting enough calcium may help control symptoms of menstrual pain . 89
Some, but not all, observational and intervention studies have found evidence that calcium supplementation may reduce the risk of colon cancer . 59,134-135,154-156 Risk reduction might continue for years after calcium supplements are stopped. 182 However, calcium supplements might increase risk of prostate cancer in men, as discussed in the Safety Issues section. For menopausal women, calcium supplementation, especially with vitamin D added, may reduce cancer risk in general. 187
Individuals who are deficient in calcium may be at greater risk of developing high blood pressure . 60,61,126 Among individuals who already have hypertension, increased intake of calcium might slightly decrease blood pressure, according to some, but not all, studies. 62,127 Weak evidence hints that use of calcium by pregnant mothers might reduce risk of hypertension in their children. 185
Calcium supplements might slightly improve the cholesterol profile. 63,64,124
Calcium supplementation has also been tried as a treatment to prevent preeclampsia in pregnant women. While the evidence from studies is conflicting, 66-68,157-15 calcium supplementation might offer at least a minimal benefit.
The drug metformin , used for diabetes, interferes with the absorption of vitamin B 12 . Interestingly, calcium supplements may reverse this, allowing the B 12 to be absorbed normally. 70
Rapid weight loss in overweight postmenopausal women appears to slightly accelerate bone loss. 71,136 For this reason, it may make sense to take calcium and vitamin D supplements when deliberately losing weight. It has been additionally suggested that calcium supplements, or high-calcium diets, may directly enhance weight loss, but current evidence is more negative than positive. 72,130,137,159-165,186,188,189,191
Finally, calcium is also sometimes recommended for attention deficit disorder , migraine headaches , and periodontal disease , but there is as yet no meaningful evidence that it is effective for these conditions.
What Is the Scientific Evidence for Calcium?
A number of double-blind, placebo-controlled studies indicate that calcium supplements (especially as calcium citrate, and taken with vitamin D) are slightly helpful in preventing and slowing down bone loss in postmenopausal women. 73-76,138,165-169,180 Contrary to some reports, milk does appear to be a useful source of calcium for this purpose. 183-184 However, the effect of calcium supplementation in any form is relatively mild and may not be strong enough to reduce the rate of osteoporotic fractures. Note that use of calcium and vitamin D use must be continual. Any improvements in bone rapidly disappear once the supplements are stopped. 77 Calcium carbonate may not be effective. 170-171
One study found benefits for male seniors using a calcium and vitamin D-fortified milk product. 172 (See, however, possible increased risk of prostate cancer discussed in Safety Issues .)
Calcium and vitamin D supplementation may help bones heal that have become fractured due to bone thinning. 139
Calcium supplements may do a better job of strengthening bones when people have relatively high protein intake. 125
Heavy exercise causes increased calcium loss through sweat, and the the body does not compensate for this by reducing calcium loss in the urine. 190 The result can be a net calcium loss great enough so that it presents health concerns for menopausal women, already at risk for osteoporosis. One study found that use of an inexpensive calcium supplement (calcium carbonate), taken at a dose of 400 mg twice daily, is sufficient to offset this loss. 190
Calcium supplementation could, in theory, be useful for young girls as a way to "put calcium in the bank"—building up a supply for the future in order to prevent later osteoporosis. However, surprisingly, the benefits seen in studies have been modest to nonexistent, and this approach may only produce results when exercise is also increased. 79-81,140-143,173-175,181
One study found that in calcium-deficient pregnant women, calcium supplements can improve the bones of their unborn children. 82
Evidence suggests that the use of calcium combined with vitamin D can help protect against the bone loss caused by corticosteroid drugs, such as prednisone. A review of five studies covering a total of 274 participants reported that calcium and vitamin D supplementation significantly prevented bone loss in corticosteroid-treated individuals. 83 For example, in a 2-year, double-blind, placebo-controlled study that followed 65 individuals with rheumatoid arthritis taking low-dose corticosteroids, daily supplementation with 1,000 mg of calcium and 500 IU of vitamin D reversed steroid-induced bone loss, causing a net bone gain. 84
There is some evidence that essential fatty acids may enhance the effectiveness of calcium. In one study, 65 postmenopausal women were given calcium along with either placebo or a combination of omega-6 fatty acids (from evening primrose oil ) and omega-3 fatty acids (from fish oil ) for a period of 18 months. At the end of the study period, the group receiving essential fatty acids had higher bone density and fewer fractures than the placebo group. 85 However, a 12-month, double-blind trial of 42 postmenopausal women found no benefit. 86 The explanation for the discrepancy may lie in the differences between the women studied. The first study involved women living in nursing homes, while the second studied healthier women living on their own. The latter group of women may have been better nourished and already received enough essential fatty acids in their diet.
Premenstrual Syndrome (PMS)
According to a large and well-designed study published in a 1998 issue of American Journal of Obstetrics and Gynecology, calcium supplements are a simple and effective treatment for a wide variety of PMS symptoms. 87 In a double-blind, placebo-controlled study of 497 women, 1,200 mg daily of calcium as calcium carbonate reduced PMS symptoms by half over a period of three menstrual cycles. These symptoms included mood swings, headaches, food cravings, and bloating. These results corroborate earlier, smaller studies. 88,89
High Cholesterol
In a 12-month study of 223 postmenopausal women, use of calcium citrate at a dose of 1 g daily improved the ratio of HDL ("good") cholesterol levels to LDL ("bad") cholesterol levels. 124 The extent of this improvement was statistically significant (as compared to the placebo group), but not very large in practical terms. Similarly modest benefits were seen in a previous, smaller double-blind, placebo-controlled study. 63 A third double-blind, placebo-controlled study failed to find any statistically significant effects. 64
Colon Cancer
Evidence from observational studies showed that a high calcium intake is associated with a reduced incidence of colon cancer , 91 but not all studies have found this association. 92
Some but not all evidence from intervention trials supports these findings. 90,176-178
A 4-year, double-blind, placebo-controlled study followed 832 individuals with a history of colon polyps. 90 Participants received either 3 g daily of calcium carbonate or placebo. The calcium group experienced 24% fewer polyps overall than the placebo group. Since colon polyps are the precursor of most colon cancer, this finding strongly suggests benefit. Combing the results for two trials, involving a total of 1,346 subjects also with a history of polyps, researchers found that 1,200 mg or 2,000 mg of daily elemental calcium led to a significant reduction in polyp recurrence compared to placebo over a 3-4 year period.193 Another, large-sized study found that calcium carbonate at a dose of 1,200 mg daily may have a more pronounced effect on dangerous polyps than on benign ones. 144
However, a gigantic (36,282 participant), very long-term (average 7 years) study of postmenopausal women failed to find that calcium carbonate supplements at a dose of 1,000 mg daily had any effect on the incidence of colon cancer. 178 Given these conflicting results, if calcium supplementation does have an effect on colon cancer risk, it is probably small.
Safety Issues
In general, it's safe to take up to 2,500 mg of calcium daily, although this is more than you need. 93,119 Greatly excessive intake of calcium can cause numerous side effects, including dangerous or painful deposits of calcium within the body.
Note: If you have cancer, hyperparathyroidism, or sarcoidosis, you should take calcium only under a physician's supervision.
Some evidence hints that use of calcium supplements might slightly increase kidney stone risk. 96,132,178 However, increased intake of calcium from food does not seem to have this effect and could even help prevent stones. 94,95,97,132 One study found that if calcium supplements are taken with food, there is no increased risk. 146 Calcium citrate supplements may be particularly safe regarding kidney stones because the citrate portion of this supplement is used to treat kidney stones. 147
There is weak, preliminary evidence that calcium supplementation in healthy, post-menopausal women may slightly increase the risk of cardiovascular events, such as myocardial infarction. However, it remains far from clear whether this possible risk outweighs the benefits of calcium supplementation in this population.192
Large observational studies have found that, in men, higher intakes of calcium are associated with an increased risk of prostate cancer. 98,99,100,179 This seems to be the case whether the calcium comes from milk or from calcium supplements.
Calcium supplements combined with high doses of vitamin D might interfere with some of the effects of drugs in the calcium channel blocker family. 101 It is very important that you consult your physician before trying this combination.
Concerns have been raised that the aluminum in some antacids may not be good for you. 102 There is some evidence that calcium citrate supplements might increase the absorption of aluminum; 103-107 for this reason, it might not be a good idea to take calcium citrate at the same time of day as aluminum-containing antacids. Another option is to use different forms of calcium, or to avoid antacids containing aluminum.
When taken over the long term, thiazide diuretics tend to increase levels of calcium in the body by decreasing the amount excreted by the body. 108-111 It's not likely that this will cause a problem. Nonetheless, if you are using thiazide diuretics, you should consult with your physician on the proper doses of calcium and vitamin D for you.
Finally, calcium may interfere with the absorption of antibiotics in the tetracycline and fluoroquinolone families as well as thyroid hormone. 112-118 If you are taking any of these drugs, you should take your calcium supplements at least 2 hours before or after your medication dose.
Interactions You Should Know About
- You may need more calcium if you are taking:
- If you are taking aluminum hydroxide , you should take calcium citrate at least 2 hours apart to avoid increasing aluminum absorption.
You may need more calcium if you are taking the following anticonvulsants:
- Phenytoin (Dilantin)
- Carbamazepine
- Phenobarbital
- Primidone
- Note: It may be advisable to take your dose of anticonvulsant and your calcium supplement at least 2 hours apart because each interferes with the other's absorption.
If you are taking the following medications, you should take your calcium supplement at least 2 hours before or after your dose of medication because calcium interferes with the absorption (and vice versa):
- Antibiotics in the tetracycline or fluoroquinolone ( Cipro , Floxin , Noroxin ) families
- Thyroid hormone
- Do not take extra calcium except on the advice of a physician if you are taking Thiazide diuretics .
- Do not take calcium together with high-dose vitamin D except on the advice of a physician if you are taking calcium channel blockers .
- You may need extra calcium if you are taking:
- It may be advisable to wait 2 hours after taking calcium supplements to eat soy (or vice versa). A constituent of soy called phytic acid can interfere with the absorption of calcium.
- Taking supplemental calcium may be helpful if you are taking metformin .
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76. Prince RL. Diet and the prevention of osteoporotic fractures [editorial]. N Engl J Med. 1997;337:701-702.
77. Dawson-Hughes B, Harris SS, Krall EA, et al. Effect of withdrawal of calcium and vitamin D supplements on bone mass in elderly men and women. Am J Clin Nutr. 2000;72:745-750.
78. Nieves JW, Komar L, Cosman F, et al. Calcium potentiates the effect of estrogen and calcitonin on bone mass: review and analysis. Am J Clin Nutr. 1998;67:18-24.
79. Lloyd T, Andon MB, Rollings N, et al. Calcium supplementation and bone mineral density in adolescent girls. JAMA. 1993;270:841-844.
80. Barr SI, Petit MA, Vigna YM, et al. Eating attitudes and habitual calcium intake in peripubertal girls are associated with initial bone mineral content and its change over 2 years. J Bone Miner Res. 2001;16:940-947.
81. Lloyd T, Chinchilli VM, Johnson-Rollings N, et al. Adult female hip bone density reflects teenage sports-exercise patterns but not teenage calcium intake. Pediatrics. 2000;106:40-44.
82. Koo WW, Walters JC, Esterlitz J, et al. Maternal calcium supplementation and fetal bone mineralization. Obstet Gynecol. 1999;94:577-582.
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84. Buckley LM, Leib ES, Cartularo KS, et al. Calcium and vitamin D 3 supplementation prevents bone loss in the spine secondary to low-dose corticosteroids in patients with rheumatoid arthritis. A randomized, double-blind, placebo-controlled trial. Ann Intern Med. 1996;125:961-968.
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86. Bassey EJ, Littlewood JJ, Rothwell MC, et al. Lack of effect of supplementation with essential fatty acids on bone mineral density in healthy pre- and postmenopausal women: two randomized controlled trials of Efacal® v. calcium alone. Br J Nutr. 2000;83:629-635.
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151. Porthouse J, Cockayne S, King C, et al. Randomised controlled trial of calcium and supplementation with cholecalciferol (vitamin D3) for prevention of fractures in primary care. BMJ. 2005;330:1003.
152. Wactawski-Wende J, Kotchen JM, Anderson GL, et al. Calcium plus vitamin D supplementation and the risk of colorectal cancer. JAMA. 2006;354:684-696.
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154. Sandler RS. Calcium supplements to prevent colorectal adenomas. Am J Gastroenterol. 2005;100:395-396.
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156. Wactawski-Wende J, Kotchen JM, Anderson GL, et al. Calcium plus vitamin D supplementation and the risk of colorectal cancer. N Engl J Med. 2006;354:684-696.
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158. Villar J, Abdel-Aleem H, Merialdi M, et al. World Health Organization randomized trial of calcium supplementation among low calcium intake pregnant women. Am J Obstet Gynecol. 2006;194:639-649.
159. Lorenzen JK, Molgaard C, Michaelsen KF, et al. Calcium supplementation for 1 y does not reduce body weight or fat mass in young girls. Am J Clin Nutr. 2006;83:18-23.
160. Boon N, Hul GB, Viguerie N, et al. Effects of 3 diets with various calcium contents on 24-h energy expenditure, fat oxidation, and adipose tissue message RNA expression of lipid metabolism-related proteins. Am J Clin Nutr. 2005;82:1244-1252.
161. Gunther CW, Legowski PA, Lyle RM, et al. Dairy products do not lead to alterations in body weight or fat mass in young women in a 1-y intervention. Am J Clin Nutr. 2005;81:751-756.
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169. Wactawski-Wende J, Kotchen JM, Anderson GL, et al. Calcium plus vitamin D supplementation and the risk of colorectal cancer. JAMA. 2006;354:684-696.
170. Prince RL, Devine A, Dhaliwal SS, et al. Effects of calcium supplementation on clinical fracture and bone structure: results of a 5-year, double-blind, placebo-controlled trial in elderly women. Arch Intern Med. 2006;166:869-875.
171. Prince RL, Devine A, Dhaliwal SS, Dick IM. Effects of calcium supplementation on clinical fracture and bone structure. Arch Intern Med. 2006;166:869-875.
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176. Sandler RS. Calcium supplements to prevent colorectal adenomas. Am J Gastroenterol. 2005;100:395-396.
177. Holt PR, Bresalier RS, Ma CK, et al. Calcium plus vitamin D alters preneoplastic features of colorectal adenomas and rectal mucosa. Cancer. 2005 Dec 13. [Epub ahead of print].
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Last reviewed February 2008 by EBSCO CAM Medical Review Board
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © 2007 EBSCO Publishing All rights reserved.


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Our first week of pinning is over and BOY do we have a ton of great pins! We hope you have enjoyed looking through our site to find those perfect gifts for youngsters. We have three lucky winners who were chosen randomly!
Our first winner is Heather and her winning pin is the Happy Ever After Fat Quarter Bundle by Sandra Workman for Riley Blake! Isn't this collection perfect for your little princess?
Our second winner is Addibrae and her winning pin is the Storyboek II Fat Quarter Bundle by Jay-Cyn Designs for Birch Organic Fabrics! The whimsical prints in Storyboek II are ideal for your imaginative youngsters.
Our third winner is Fisty Christmas Kitten and her winning pin is the Lil' Cowpokes Fat Quarter Bundle by Michael Miller Fabrics. Great for the cowboys in your life!
Thanks for your great pins! We hope you are now full of great gift ideas for youngster! Winners, please send your full shipping information to chelsey[at]fatquartershop[dot]com!
Next up, gifts for friends and family! Pin the perfect gifts for friends and family from our website to your FQS Gift Guide Pinterest Board with the hashtag #FQSgiftguide for a chance to win an item from your board! We will choose three winners next week. Full instructions can be found here. Get pinning!


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By Natasha Hughes
Call it the 2012 effect but change is in the air.
We want flexibility and a fresh look and the professionals are responding.
Here's just some of what you can expect in beauty in 2013, the year of metamorphosis:
- Later opening hours. They've finally cottoned on to the notion that most women work and all women are busy. Hairdressers and beauticians, as well as gyms and shops, are extending their hours - opening three or more weeknights and all day on Sundays. Monday closing is becoming a thing of the past. Some establishments are ahead of the trend. Eden Spa in Sydney's Mona Vale opens late two weeknights.
Aurora Spa Retreat in Melbourne has long opened seven days a week and until 8pm on weekdays. ''People come to us straight from work to relax,'' says owner Lyndall Mitchell.
- Customised hair. A snip here, a twist there, half a fringe lopped off there. Young girls are still having the good cuts but they're making them their own when they get home. They're changing their hair by the week or, in some cases, by the day, with scissors, dye or razors. It's all about distinguishing themselves from their ever-more-youthful-looking mothers. Mum can pay for the hairdressers and go there herself too, if she must, but it's an age-old truth that no teenager wants to look like her mum. Pop star Beyonce is a fan of cutting her own hair. ''I recently cut two inches myself,'' she said. ''I just parted it in the middle and chh-chh-chh!''
- Block colour looking outdated. In 2011 and in 2012 we loved bold, contrasting nails and lips - red and orange, pink and red, orange and pink. It looked funky and fresh. Now it's back to matching lips, toenails and fingernails - the lips'n'tips glamorised by Revlon and the movie stars in the Fifties. The look was showcased during London Fashion Week in September for spring 2013 and quickly embraced by editors and women seeking a sense of refinement. ''It's elegant and it's beautiful,'' says Lucika Mora, of Hale O'Nails & Beauty.
- Our cities' top hotels being used as places of everyday pampering and respite. The Park Club health and day spa at Park Hyatt Melbourne now offers weekday and after-hours wellness retreats involving massage, facials, steaming and bathing (with food and drink on call). ''More people living or working nearby are using us as their gym and spa,'' says manager Jessica Maher. ''We offer a very special holistic experience with a certain level of luxury.''
- Batting eyelashes. In the past two months, 110,000 sets of false eyelashes were sold by Priceline alone. There was a staggering 60 per cent increase in year-on-year sales and the trend shows no sign of abating. The trend started in London in 2009 when 'everyone' on the style and fashion circuit (Victoria Beckham, magazine editors) started sporting them as a temporary option to eyelash extensions. Falsies were then seen at the BAFTAs, at the Elle Style Awards, in the social pages and then they filtered to the street. They've just taken this long to make it big, long and voluminous in Australia.
- Eating for beauty as well as for body shape. Products such as chia seeds and spirulina powder are being promoted as ''supermodel superfoods'' and, in convenient sachet form, are easy to consume. Vitamins are also being made more user-friendly with the launch of Nature's Way ''Vita Gummies'' - vitamin ''lollies'' for adults.
- Hair treatments becoming an essential rather than an after-thought or a hairdressers' add-on extra after a cut and colour. ''Regular salon treatments can completely change the texture and health of your hair,'' says stylist Neil Cleminson, ''particularly hair tortured and fried by straightening and lightening.'' He's pioneered a keratin-based hair restoration treatment at his bhave salons which, when used regularly, works to revive hair.
- Fewer deep tans. The Victorian Government last month followed NSW's lead in announcing solariums will be banned from the end of 2014 because of the melanoma risk. Other states may follow, and as tanning salons phase out their sunbeds, people may reduce their fondness for the year-round baked brick-brown look. It will not only age them, it will date them.
- More people choosing the 'laser end' of the non-surgical cosmetic enhancement treatment menu. Botox and fillers may have gone mainstream but more people are realising good skin is the cornerstone of ageing beautifully. Fraxel laser uses fractional photothermalysis, providing many of the benefits of invasive skin resurfacing of traditional lasers with fewer sides effects and less down time. ''Fraxel (laser) treatment stimulates the body's own natural healing process which replaces damaged skin with fresh, glowing, healthy skin,'' says Maria Nagaoka of Erase skin clinic in Melbourne.
- Flashing diamonds on front teeth. They're stuck on with the same type of glue used for braces. Rapper Kayne West started the trend back in 2010 - now young ladies in Australia want a diamond twinkle when they smile. Or ruby or emerald. But diamonds are best for that haven't-got-food stuck-in-my-teeth look. Which is so not 2013.


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Grape Root Borer
ENTFACT-220: Grape Root Borer | Download PDF
by Ric Bessin, Extension Specialist, and John Hartman, Extension Plant Pathologist
University of Kentucky College of Agriculture
Grape root borer (GRB) is potentially the most destructive insect attacking grapes in Kentucky. Larvae of this insect tunnel into the larger roots and crown of vines below the soil surface. Symptoms of GRB attack include poor vine growth and fruit set, even loss of some vines. Because damage is restricted to below ground, problems often go unnoticed until vine decline is observed. Damage caused by larval feeding can range from just a few feeding sites to complete root system destruction. Multiple GRB in a single plant can result in complete root girdling. GRB is not common with new grape plantings, but problems often begin to develop after several years of grape production. GRB is one pest of grapes that is often ignored until it becomes a serious problem affecting the vineyard.
Figure 1. Mating pair of grape root borer moths.
It takes two years for the GRB to complete its life cycle. Larvae are cylindrical, cream-colored, with three pairs of true legs near the head and five pairs of fleshy abdominal prolegs each bearing two bands of tiny hooks. The larvae are 1-1/2 inch long when mature and have a retractable brown head. Adult moths are active during a period of several weeks. Adults are brown moths with thin yellow bands on the abdomen and resemble some paper wasps. The front wings are brown while hindwings are clear. Male moths fly about in a manner similar to wasps. Generally the moths are active from July through early August.
Eggs are laid on the soil surface, grape leaves, and weeds within eight days of adult emergence. Females lay an average of 350 eggs. Eggs hatch in about two weeks and larvae immediately tunnel into the soil in search of grape roots. About 95% of the larvae die before reaching roots, but less than 1% die after finding grape roots. The larvae spend 22 months feeding in the roots. During the summer of the second year, larvae will pupate near the soil surface.
Injury by GRB is often most severe in low, poorly drained areas of the vineyard. In mid-summer, growers should examine around the bases of vines out to a distance of 18 inches for empty pupal skins of grape root borer.
Figure 2. Grape root borer pupal skin partially visible in soil.
In Kentucky, a control action for GRB is recommended if more than 5 percent of the vines are found to have GRB pupal cases emerging from the soil. If an insecticide is to be used, then it is best to apply the insecticide just as the adults are beginning to emerge, but the preharvest interval may make it necessary to spray after harvest. The insecticide should be applied as a coarse spray to a 15 square foot area surrounding the vine. Treat with an insecticide only if necessary. If GRB is not a problem, there is no reason to risk destroying the natural control processes and increasing production costs.
GRB Management
Good weed management assists with control of GRB. Eliminating weeds around the base of vines reduces the sites for egg laying and improves spray coverage for GRB control. In small plantings and backyard settings, plastic mulch works as an effective barrier around the base of vines, not allowing the GRB larvae to become established. Currently, Lorsban is the only insecticide labeled for control of GRB. This treatment is applied directly to the ground under the grape trellis at least 35 days prior to harvest. Do not allow this spray to contact the fruit or foliage. A final alternative is the use of parasitic nematodes which are applied as a drench to the base of the vines. These move through the soil and can kill the GRB larvae even after they tunnel into the roots.
Revised: 11/19
CAUTION! Pesticide recommendations in this publication are registered for use in Kentucky, USA ONLY! The use of some products may not be legal in your state or country. Please check with your local county agent or regulatory official before using any pesticide mentioned in this publication.
Of course, ALWAYS READ AND FOLLOW LABEL DIRECTIONS FOR SAFE USE OF ANY PESTICIDE!
Photos courtesy Ric Bessin, University of Kentucky Entomology