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Home | About Us | Contact Us | Privacy Policy | Security
The Main Office
101 E. Bridge on the Historic Square
(817) 573-2655 | Toll Free (800) 447-1688
Please read this entire Agreement carefully before enrolling in the FirstNet Program. This Agreement outlines the terms and conditions of using our online banking services ("FirstNet"). It includes information outlining the requirements for participation, applicable fees, and security issues. It also describes your responsibilities for protecting your account information and what to do in case you suspect someone has accessed your information without authorization. For additional terms and conditions of your account, also refer to your Account Agreement/Signature Card and related Terms and Conditions. By enrolling in FirstNet, you are hereby agreeing and consenting to the terms and conditions described in this Agreement and the related documents.
I. Introduction to FirstNet & Definitions
II. Requirements for Participation in FirstNet
III. Terms and Conditions
IV. Selected Features
V. Security
VI. Fee Requirements
VII. FirstNet
VIII. FirstNet Bill Pay Program
IX. Unauthorized Use of Your Accounts
X. Errors or Questions
XI. Related Documents
I. Introduction to FirstNet & Definitions
This agreement covers the terms and conditions that apply to The First National Bank of Granbury's ("Bank") FirstNet online banking program ("FirstNet") and the FirstNet Bill Pay Program ("Bill Pay"). By enrolling in and/or using FirstNet and/or Bill Pay, you acknowledge your receipt and understanding of this Agreement and agree to abide by its terms and conditions. This Agreement will be governed by and interpreted in accordance with federal law and regulations, or in the absence of such federal law or regulations, by the laws of the State of Texas. The terms "FNB," "Bank, " "we," "us," and "our," refer to The First National Bank of Granbury. "You" or "Your" refers to each signatory on the account. The term "business day" means Monday through Friday, excluding Saturday, Sunday, and federal banking holidays. In addition to the terms and conditions of this User Agreement, each of your accounts is also governed by a Deposit Account Agreement.
II. Requirements for Participation in FirstNet
In order to participate in FirstNet, you must have the following:
III. Terms and Conditions
By accessing FirstNet and/or Bill Pay, you also agree to the terms and conditions set forth below.
A. Cancellation of Services
You may cancel FirstNet and/or Bill Pay at any time simply by notifying Bank. Your cancellation will take effect as soon as Bank has received your notice and cancelled your service. Bank reserves the right to cancel your FirstNet and/or Bill Pay access at any time without prior notice. If your Bill Pay access should be inactive for three months the Bank will cancel your Bill Pay access and you must re-enroll to be reactivated.
B. The First National Bank of Granbury's Liability
Except as specifically provided in this Agreement or where the law has set forth and requires a different standard, you agree that the Bank shall not be responsible for any loss, property damage or bodily injury, whether caused by any of the following: The First National Bank of Granbury; The hardware or software; The Internet browser providers; The internet access providers; The online service providers; Any agent or subcontractor of any of the foregoing. Further, The First National Bank of Granbury shall have no responsibility for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the hardware, software, FirstNet, the Bill Pay program, the Internet browser or access software.
Bank cannot and does not assume responsibility for the security of your computer(s) and or computer network(s) or for the file(s) and payment order(s) originated from your computer(s) and or network(s) or for the file(s) and payment order(s) that appear to have been originated from your computer(s) and or computer network(s).
See our Disclaimer Policy.
C. Hours of Availability
You may use FirstNet or the Bill Pay program twenty-four hours per day, seven days a week. However, there are times when part or all of the system will be unavailable due to maintenance requirements or technical difficulties. The Bank will not be liable for any damages should you not be able to use FirstNet or Bill Pay due to maintenance requirements or technical difficulties.
D. Changes to Fees or Terms
The Bank reserves the right to change the fees or other terms of this Agreement at any time. Whenever such changes are made, we will update this Agreement and either send a notice to you at the address on our records, or notify you of the changes through your FirstNet email address. The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for FirstNet or the Bill Pay, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions. However, should an immediate change be necessary to maintain the security of the system the thirty (30) day notice requirement is hereby waived. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We reserve the option, to waive, reduce or reverse charges or fees in individual situations. Such decision is solely up to the business judgment of the Bank.
E. Disclosure of Account Information
By accepting the terms and conditions of this Agreement, you acknowledge and accept our Privacy Policy which is posted on our website and available at any of our locations. See our Privacy Policy.
F. Electronic Funds Transfer Regulations for Consumers
The Electronic Funds Transfer Act provides you with certain rights and responsibilities with respect to certain transfers called "Electronic Funds Transfers (EFT)" which apply only to electronic fund transfers that debit or credit a consumer's account. Your rights and responsibilities are fully described in our Electronic Funds Transfers disclosure that have been separately provided to you at account opening. Please visit any one of our convenient locations to obtain the disclosure.
G. Mobile Deposit Availability of Funds
We will make funds available for checks and items received, accepted, and successfully processed through Mobile Deposit according to our standard funds availability policy. Please visit any one of our convenient locations to obtain this policy.
IV. Selected Features
FirstNet may be used by you for the following:
To transfer funds between eligible accounts with the Bank. To view current and available balances for accounts with the Bank. The "current balance" obtained under FirstNet will be the balance of the account at the time the account was processed as of the last business day prior to the day on which the balance is sought. The "available balance" will be the funds available in the account as of the last time the information was read from the bank's systems. Barring any technical difficulties, the "available balance" is usually read when the customer signs on to FirstNet.
To view up to 90 days of transaction history for accounts with the Bank.
To search for transactions based on a variety of criteria including check number, dates, amounts, or transaction type.
To view images of items that have cleared your accounts.
To submit stop payment orders.
To submit account-related questions to Customer Service.
Bill Pay may be used to pay bills to any payee with a valid U.S. address.
The FNB Mobile application may be used to access FirstNet information after proper installation of the FNB Mobile application on your mobile device.
V. Security
A. General Overview
The Bank knows that one of the main concerns customers have about banking on the Internet is security. We are aware you want to be assured that your personal information is safe. FirstNet utilizes security technology widely accepted and used by the banking and financial industry for Internet commerce. This technology is constantly changing and improving. As a result of these constant changes and improvements, the Bank frequently reviews new technologies as they become available to ensure that FirstNet will remain as secure as possible in the future. Some of the features the Bank has implemented to make FirstNet secure include:
Support of 128-bit SSL encryption - 128-bit encryption is the highest-grade encryption widely used in commercial and electronic commerce applications. You will also be required to maintain hardware, browser and software of a type sufficient to participate in FirstNet.
Session Time-outs - the system will automatically sign the customer off of FirstNet if the customer fails to use the system for a period of twenty (20) minutes.
Automatic Lockout - after three (3) consecutive failed attempts to sign onto the system, the system will automatically lock out the user's FirstNet account. The user will be able to sign back onto FirstNet only after calling Customer Service.
Forced password changes.
Firewalls - hardware and software firewalls are used to prevent unauthorized access of sensitive information such as account information.
B. User ID, Password and Out-of-Band Authentication
As part of the enrollment process for FirstNet you will specify a User ID and Password that you will need to sign on to participate in FirstNet. Your User ID must have at least eight characters. Do not use your social security number or your driver's license number. Your Password will be separate and apart from any other Password you designate or have previously designated with the Bank. The FirstNet system will instruct you to change your Password every 90 days. In selecting a Password remember these important points: Select a Password which has at least eight characters. The Password must be alpha/numeric and have at least one special character. Avoid using personal information. Information such as your street number, your birthday or a family member's birthday, family names, your driver's license number, etc. are easy to guess and will compromise the security of your Password. Also, do not use information from documents you carry on your person, such as your social security card or credit cards. Memorize your Password. Do not write it down or reveal it to anyone. Change your Password often. This can be done online within FirstNet.
FirstNet will employ Out-of-Band Authentication. If a sign-on attempt is made from a device unknown to FirstNet, the FirstNet system will ask the person attempting to sign-on whether they desire to receive the Out-of-Band Authentication code via voice call or text message to a phone number contained in the bank records.
C. Use of Computer
Never leave your computer unattended when you are signed onto FirstNet. It only takes a second for someone to obtain your valuable financial information. Do not take that risk. Sign off of FirstNet and sign back on later. Sign off of First Net as soon as you are finished.
Beware of "phishing" emails which appear to offer your legitimate information but will contain a link or file the cyber criminal wants you to click in order to install malware on your computer. Beware of "spoofed" emails and websites. These are emails and websites that actually fake copies of the websites or emails of legitimate businesses like the bank or other companies from which you obtain services. The fraudster wants you to think you can safely click on the files or links in their emails when these files or links actually load malware on your computer. Once such malware is on your computer the fraudster can steal your online credentials, copy your keystrokes and submit fraudulent transactions to the bank or others and these transactions will appear to have originated from you and your computer.
See our Security Statement.
VI. Fee Requirements
There are no transaction charges or monthly fees for accessing your accounts through FirstNet and there is no charge for the Bill Pay program or the FNB Mobile application. For a listing of fees and charges for other Bank services see our Schedule of Fees and Charges.
VII. FirstNet
A. Processing Online Transfers
If you initiate an online transfer before 3 PM CST, the transfer will memo post to your account that day and can be viewed within FirstNet the following business day. If you initiate an online transfer after 3PM CST on a business day or any time on a Saturday, Sunday, or bank holiday, the transfer will be posted to your account on the next business day and can be viewed within FirstNet on the first business day after the business day on which the transfer is posted. All online transfers will be reflected in the Available Balance until processed into the Current Balance.
We will be liable only for your actual losses or damages if we do not complete a transfer to or from your account(s) with the Bank on time or in the correct amount according to our Agreement with you only when the error and its cause were within the Bank's control. However, there are some exceptions. We will not be liable if: Through no fault of ours, you do not have enough money in your account to make a transfer. Your account is closed or if it has been frozen. The transfer would cause your balance to exceed the credit limit for any credit arrangement set up to cover overdrafts. A legal order directs us to prohibit withdrawals from the account. You, or anyone you allow, commits any fraud or violates any law or regulation. Any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly. You have not properly followed the instructions for using FirstNet and/or Bill Pay. Circumstances beyond our control (such as fire, flood, tornado or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us. If the error and its cause were within the Bank's control, restitution to you will be limited to returning your account to the balance and interest earned as if the transfer had properly occurred on the scheduled date. Please refer to your Truth in Savings Disclosure for additional information regarding any transaction limits and the applicable fees.
B. Processing Stop Payment Requests Submitted Online
If you use the FirstNet to submit a stop payment request on an item which was not originated through the Bill Pay program, Bank will verify whether the item has already cleared. If the item has cleared, then Bank will notify you via phone or secure email that the stop payment request could not be carried out since the item had already cleared. If, at the time the request to stop payment request is received, the item has not already cleared, then Bank will place a six month stop payment order on the item you described. Your access to the Program will be deemed as your written request for the stop order. The stop payment order must be received at such time and in such manner as to afford the Bank a reasonable opportunity to act upon the order.
Requests to stop payment on Automated Clearing House (ACH) entries must be submitted directly to Bank's Customer Service Department at (817) 573 2655.
You further agree to hold the Bank harmless should the item be paid through inadvertence, accident or oversight or if by reason of such payment other items drawn by the user are returned as insufficient. You also agree to indemnify the Bank against, and to hold the Bank harmless from, any and all claims, expenses and liabilities arising because of or in connection with the stop payment order or revocation thereof.
If you make a stop payment order through FirstNet, you will be charged a fee identical to the fee charged for stop payment orders submitted orally or in person. Please refer to the standard fee schedule for your account for the specific amount of the fee. See our Schedule of Fees and Charges.
VIII. FirstNet Bill Pay Program ("Bill Pay")
A. Enrolling in Bill Pay
To enroll in the Bill Pay program please follow the appropriate instructions. After enrolling in Bill Pay, you must set up all payees in the system to whom you wish to make payments. By furnishing the Bill Pay program with the names of your payees, you authorize the Bank, its subcontractors or agents to follow the payment instructions that you have entered online for those payees. When payment instructions are received from you, funds will be remitted to the payee for you from the checking account you selected when setting up the payment. However, the Bank, its subcontractors or agents are not obligated to make the payment unless your account has sufficient funds or credit availability to pay the bill on the date you scheduled for payment. In the event payments are processed and your account does not contain sufficient funds for said payment(s), you agree to immediately reimburse the Bank, its subcontractors or agents for the amount of the payment(s). Funds for all bills (whether these payments are made electronically or by check) will be withdrawn from your account per the schedule of the Bill Pay program operator.
B. Bill Pay Accounts
In order to participate in the Bill Pay you must have at least one active checking account with the Bank. Payments can be made only from active checking accounts that you have included in your FirstNet profile. Money market accounts, savings accounts, and other account types cannot be used to pay bills.
C. Making Payments
Sufficient time must be allowed by you for the payment to reach the payee in order to avoid having the payment arrive late to the payee. To ensure timely payment, you must schedule payments at least six (6) business days prior to the date the payment is due. Since some payments you schedule may be made by paper check and sent via United States mail, it is important that you schedule payments five (5) business days in advance to ensure that the payment can be issued in time to be delivered to the payee via United States mail if necessary.
D. Canceling or Editing Payments
This section deals with canceling or editing a payment before payment is originated. Details of placing a stop payment order on a payment already originated are found above in this agreement. You have the right to cancel or edit any pending payments by using the delete or edit feature on the Bill Pay Pending Payments screen.
E. The First National Bank of Granbury Responsibility
If the Bank does not properly complete a transaction under the Bill Pay program on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the payee prior to the incident. The Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly. This includes any applicable finance charges and late fees. We will also not be liable if: There is insufficient funds or credit availability in your designated payment account the payment account is closed or frozen, a legal order directs us to prohibit withdrawals from the payment account, the delay was due to processing delays by the payee, there are delays in postal processing or delivery, or if the payment is lost in the mail, or if the Bank's ATM network or any part of the electronic funds transfer system is not working properly. The Bank will not be liable for indirect, special, or consequential damages arising out of the use of the Bill Pay.
IX. Unauthorized Use of Your Accounts
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call The Bank's Customer Service department at (817) 573-2655 or e-mail at email@example.com . If you believe another person has improperly obtained your FirstNet Password, you should turn off your computer and contact us immediately.
If someone has transferred money from your account without your permission, if you believe someone intends to transfer money from your account without your permission, or if you suspect any fraudulent activity on your account, then contact us immediately.
Your account numbers should only be revealed to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). However, never reveal your Password to anyone.
To notify us, call The First National Bank of Granbury Customer Service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST, or write First National Bank, Attn: Customer Service, PO Box 400, Granbury, Texas 76048 or e-mail at firstname.lastname@example.com.
X. Errors or Questions
In case of questions or errors concerning FirstNet transfers you should do one of the following:
Call The First National Bank of Granbury Customer Service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST or write The First National Bank of Granbury, Attn: Customer Service, PO Box 400, Granbury, Texas 76048.
To contact Bill Pay Customer Support regarding electronic payments, please dial 866 305 9034.
XI. Related Documents
Please review our Privacy Policy, Security Agreement, Schedule of Fees & Charges and Disclaimer at your convenience. Each of these documents along with your Account Agreement/Signature Card and Terms and Conditions are related to and incorporated into this user agreement.
If you accept the terms and conditions set forth in this FirstNet User Agreement and its related documents, click "ACCEPT" in the box below. If you do not accept the terms and conditions set forth in this FirstNet User Agreement and its related documents, click "DECLINE" and you will be returned to the Home Page.
I have read the FirstNet User Agreement displayed and agree to the terms and conditions.
National ATM Locators
You can also use any ATM or POS terminal displaying the NYCE®, Cirrus®, or Maestro® Logos. Debit cards may also be used at any terminal, ATM, or merchant displaying the MasterCard® Logo.Use one of the following links to find an ATM location near you:
SUM Program ATMs
Ben E. Keith Employees Federal Credit Union is a member of the SUM Program, which allows Ben E. Keith Employees Federal Credit Union customers to use their cards "surcharge free" at more than 2,800 SUM designated ATMs. Ben E. Keith Employees Federal Credit Union does impose an ATM network fee for transactions at non-Ben E. Keith Employees Federal Credit Union ATMs except as noted for Premium and Premium Plus Relationship Account customers.
Your privacy is very important to us.We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving Ben E. Keith Employees Federal Credit Union's Web site and linking to a third party site. Please be advised that you will then link to a Web site hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Ben E. Keith Employees Federal Credit Union. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Ben E. Keith Employees Federal Credit Union assumes no liability for the content, information, security, policies or transactions provided by these other sites.


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This is for everyone in this league. Last year I tried the auction league for the first time. Damion and I or have been talking for a while about trying one. I decided I would created a league on ESPN. So far it is a 10 team league. Will open up to 12 teams if I get enough interest but the draft is coming this Saturday. Dre and I are the only ones in the league and we are looking for others that we are playing with in leagues already to play along with us in hopes of a fun experience. If you would like to play along with us, please let me know and I will send you an invite.
Type: Auction Draft
Date: Sat., Mar. 27, 2010
Time: 2:00 PM ET
Catcher (C) 2
First Base (1B) 1
Second Base (2B) 1
Third Base (3B) 1
Shortstop (SS) 1
Outfield (OF) 4
Designated Hitter (DH) 1
Utility (UTIL) 2
Pitcher (P) 9
Bench (BE) 5
Disabled List (DL) 3
Batting Average (AVG)
Home Runs (HR)
Runs Scored (R)
Runs Batted In (RBI)
Stolen Bases (SB)
On Base plus Slugging Pct (OPS)
Extra Base Hits (XBH)
Walks (BB)
Earned Run Average (ERA)*
Strikeouts (K)
Walks plus Hits Per Innings Pitched (WHIP)*
Wins (W)
Saves (SV)
Quality Starts (QS)
Holds (HD)
Strikeouts per 9 Innings (K/9)
My email address is firstname.lastname@example.com . Holler if you want more info about the league. This is going to be a fun experience.
Auction League Formed
Have something to say about your experiences using Y!, ESPN, CBSSports.com, etc. for online leagues, mock drafts, player analysis, etc? Here's where to post it...
2 posts • Page 1 of 1
- mauledbypandas
- Sponsor
- Posts: 50
- Joined: Mon Mar 01, 2010 10:56 pm
Re: Auction League Formed
damn sounds like fun, wish I didnt have to work saturday, couldnt really devote that much attention to the draft.
2 posts • Page 1 of 1
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subset: commoncrawl


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Listings in Anacortes Rotary Club, Advertising, Promotion & Marketing and Mortgages
Dominion Lending Centre Mortgage Broker - Robin Klassen
in Mortgages, Chilliwack Rotary Club
I help people find the right mortgage for their purchases, refinances and mortgage renewals. I work for you – not the lenders – to ensure you receive the best rates and products available in today's marketplace.
15-45966 Yale Road
Chilliwack, British Columbia V2P 2M3
Builder's Engineer - Tim K. Garrison
in Anacortes Rotary Club, Engineering - structural
Tim Garrison's engineering specialty is structural analysis. He is a licensed Professional Engineer (P.E.) in California and Washington. Tim also provides business consulting and success coaching to help clients save money through efficient design.
2316 Antone Way
Anacortes, Washington 98221
United States
Sandpiper Signs & Decals Inc. - Carlo Zarrillo
in Advertising, Promotion & Marketing, Coquitlam Sunrise Rotary Club
Sandpiper Signs & Decals Inc. is an award-winning medium sized, full service sign and decal manufacturing company. Our specialties include: screen printing, digital imaging, vinyl graphics, and custom signage. We bring your brand to life!
#26-91 Golden Drive,
Coquitlam, British Columbia V3K 6R2
Cowork Chilliwack - Michael Berger
in Business Services, Professional Services, Counselling and Consulting, Training/Facilitation, Advertising, Promotion & Marketing, Communication & Media, Photography, Entertainment, Chilliwack Rotary Club
Do you self-identify as a creative type? Perfect. Cowork Chilliwack is a shared, collaborative workspace designed for working creative professionals! Working from home, car or coffee shop? Become a member of Cowork Chilliwack or drop in as a visitor
#12-8465 Harvard Place
Chilliwack, British Columbia V2P 7Z5
Incorpmedia Graphic & Web Design
in Business Services, Professional Services, Computer Services - Sales, Repairs, Consulting, Advertising, Promotion & Marketing, Communication & Media, Architecture & Design
Incorpmedia is a full service creative web design and graphic design company. Our services include graphic and website design, web development, package design, and motion graphics.
Bellingham, Washington
United States
Anchor Awards & Engraving - Carlo Zarrillo
in Advertising, Promotion & Marketing, Coquitlam Sunrise Rotary Club
Anchor Awards & Engraving specializes in corporate awards & plaques, name tags, industrial plates & tags, bar-coded plates, and logo marking.
#26-91 Golden Drive,
Coquitlam, British Columbia V3K 6R2
Bayside Specialties, Inc - Darrell & Stephanie Hooper
in Advertising, Promotion & Marketing, Communication & Media, Burlington Rotary Club
12135 Jacqueline Drive
Burlington, Washington 98233
United States
Snapd Tri-Cities - Carlo Zarillo
in Advertising, Promotion & Marketing, Coquitlam Sunrise Rotary Club
Snapd is a free monthly print publication serving the Tri-Cities. Snapd specializes in community-based advertising, public relations, networking and marketing initiatives.
#27-91 Golden Drive,
Coquitlam, British Columbia V3K 6R2
Kinetik Marketing Group - Robert Beischer
in Advertising, Promotion & Marketing, Chilliwack Fraser Rotary Club
Kinetik Marketing Group is a hands-on, personal extension of your own marketing department or business. Robert Beischer has a passion for marketing and for helping you and your business succeed. Great results, smaller team, lower prices.
8785 Tilson Street
Chilliwack, British Columbia V2P 7R6
Superstar Awards and Recognition - Nash Damji
in Advertising, Promotion & Marketing, Awards and Recognition, White Rock Rotary Club
Superstar Awards & Recognition is a full service awards and recognition products company based in Surrey BC. We can provide you, your business or your team with: Awards • Signs • Promotional Products • T-Shirts, Hats, Uniforms and a whole lot more.
13122 62 B Ave
Surrey, British Columbia V3X-1P4


text:
With the EA SPORTS BC Soccer Premier League (BCSPL) season having come to a close, one thing players can look forward to, following some well deserved rest, is the 2013 Whitecaps FC College Showcase presented by Sport Chek taking place this coming March.
The tournament will run two separate weekends for the boys and girls divisions and will feature some of the best teams in Canada.
"We do it as Canada's top production showcase. With our relationship with the BC Soccer Premier League, all the teams in the league are competing in the tournament," said Dan Lenarduzzi, Whitecaps FC director of soccer development. "We have two tiers, we have what we call the premier tier, which is all of the BC Soccer Premier League teams and all of the out of town teams that come from the top tier in their province. So we match all of those teams together in that tier."
According to Lenarduzzi, it won't only be Whitecaps' coaches keeping a close eye on the players in the tournament.
"We are inviting a lot of college coaches not only from BC but also from across Canada and the States to have a look at players for scholarships. Players in the tournament have an opportunity to hopefully get invited for a scholarship, or get an invite into one of the Whitecaps programs or both."
The tournament is used as another platform for Whitecaps FC scouts to get a closer look at their potential future players. Lenarduzzi explains this is something the BCSPL has made a lot easier for the 'Caps organization to do.
"It's a built in scouting mechanism for Whitecaps FC because we can go to BCSPL games and basically watch the best players from different regions in BC," he said. "That gives us an opportunity, with our working relationship with the league, to potentially invite players who are doing very well either into trials or signing for Whitecaps FC."
League president David Haber said it's the league's quality of play that makes this possible.
"It creates a cleaner line of sight for universities or professional clubs," he said.
While Whitecaps FC and university scouts will have their eyes open come March, a handful of Premier League players will be looking to keep the ball rolling after terrific finishes to the season.
One player scouts will need to watch out for is U-15 Surrey United SC goalkeeper Aman Thind.
Following a nail-biting regulation and extra time that ended 1-1 in the U-15 championship game, Thind made two game-saving stops to begin the penalty kicks, helping springboard his team to a perfect 8-0 Fall campaign.
Another player scouts will need to keep a close eye on is U-13 Mountain FC's Aaron Fulgencio.
With his team down 0-1 to Surrey United and minutes ticking away in the season, Fulgencio scored two identical highlight reel goals to win the provincial championship for his team.
Other players to watch out for at the showcase will be U-15 Surrey United captain Kerman Pannu and leading scorer Will Grayson, both of whom are provincial team players, and U-14 Fusion FC player Patrick Metcalfe, who played in the U-15 final after being upgraded by U-15 Fusion head coach Brent Branker.
"He's an excellent player; tiny little guy who you can put anywhere on the field," said Branker.
Make sure to register today for the Whitecaps FC Showcase at whitecapsfc.com/collegeshowcase.
For more stories on youth soccer in British Columbia, visit http://beaconnews.ca/vancouver.


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Back in November, I made the following comments at
But reasonable people would not include the Alabama legislature, which in is great wisdom passed a law banning dildos, vibrators, and other weapons of mass stimulation.
Not content with the law as it stands, Alabama Attorney General Troy King wants the legislature to make the law even more draconian.
I remember Troy from college. He was always a little weird. He used to write frequent letters to the CW, which described in detail his disgust with homosexuals hooking up in public toilets (well before Larry Craig), a subject he seemed to be intimately familiar with, and exhorted readers to go eat at Cracker Barrel, which at the time was under fire for a policy of discriminating against having gay employees. Troy always seemed just a little too obsessed with homosexual perversion.
Alert readers may remember that Loretta Nall sent Troy King a blow up pig:
My suspicion now seems likely to have been confirmed.
Loretta explains
This is not about being gay. This is about being a hypocrite…of the highest order
There is an official denial of the rumor about Troy King now….so I can say what the rumor is.
According to rumors flying around for the last week Troy King, our
rabidly homophobic, anti-sex toy, Sunday School teaching, pro-execution Republican Attorney General is GAY! And I don't mean that as in happy either. I'd bet he is anything but happy right now. In fact, according to two sources he is about to resign. [..]
I have been sitting on this story for about a week. Truth is I am SORE from having to sit on it so long….but not as sore as Troy King is.
Loretta elaborates:
I have some friends in pretty high places in Alabama politics so I called one of them up with the juicy details. They told me they heard a rumor about his sexual orientation some six months ago from a former reporter with a large, credible newspaper in Alabama. I also know that reporter and knew them to be very credible. The rumor at the time was that Troy's mystery man was his old college roommate who he gave a position to when he took over the AG office in 2004. Supposedly when Troy was out of town so was lover boy.
The story then became that the mystery man was a young man who had just graduated from Troy University and was the Homecoming King(no pun intended) (God that gets confusing…Troy King with the homecoming king who graduated from Troy) and that was who the wife walked in on. Then a few weeks later Troy and his boy toy from Troy were spotted at the YMCA (not kidding) engaging in….ummmm….inappropriate activities. Yeah…at the YMCA…made famous by the Village People. Apparently Troy has no inkling of what it means to be 'discreet'.
I'm betting they are both true. If Troy King can be a closet gay and Alabama Attorney General at the same time then there exists in this universe the infinite possibility for him to be a promiscuous, closet gay, Alabama Attorney General. But apparently closet and promiscuous don't go so well together. But, hell, no one is claiming that he's smart are they?
As far as the significance of this story, Loretta explains:
There are so many things that make this a delicious story. Gay Sex, high ranking elected officials who are rabidly anti-gay in public but turn out to be gay in private, they get caught at the YMCA (of all places), the whole sex toy incident, the 'below the belt' legislation that Troy has made a focal point during his time in office, his desire to be the guy who injects death row inmates with deadly chemicals. I bet this is why he objects to DNA testing, ya know? Wonder where all they would find his DNA? It's really not much different than what Bill Clinton did with Monica Lewenski…except Troy is a Republican and his mystery partner is GAY!! Lordy, does it get any better than this?
Head On Radio Network is one of several sites making video and musical parodies which take advantage of Troy King's embarrassment.
Another one is found at the myspace page for Mock 5
Troy King has refused to comment on the allegations, claiming that his kids would be subject to teasing.


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"Snoring, sleep apnea, and obesity-related respiratory difficulties are fairly common disorders that affect a large proportion of the population," according to Poul Jennum, Professor of Clinical Neurophysiology at the Center for Healthy Ageing at the University of Copenhagen Faculty of Health Sciences. He is head of the Danish Centre for Sleep Medicine, Glostrup Hospital, which treats patients from all over the country.
"Previous studies show that these disorders seriously affect quality of life, and our new studies show that people who snore violently, and particularly those who suffer from sleep apnea, narcolepsy and obesity-related respiratory difficulties, are more frequently in contact with the health service than others; they take more medicine, they are unemployed more often and have lower average incomes than healthy people- The more serious their disorders, the greater the socio-economic costs."
Patients with sleep apnea or obesity-related respiratory difficulties incur medicine and hospital costs two to three times higher than healthy control subjects. The total health costs were twice as high, and unemployment was 30 per cent higher. Patients who suffered from obesity-related respiratory difficulties had the lowest rate of employment. When patients were in work they earned 30 per cent less than healthy control subjects, an indication of lower educational attainment and an effect of the health impact of their disorder.
Every violent snorer costs society €705 (approximately $900); the figure for sleep apnea is €3860 (approximately $6000), while obesity-related respiratory difficulties cost €11320 (approximately $15,000). These socio-economic consequences are present up to eight years before patients are finally diagnosed with sleep apnea and obesity-related respiratory difficulties. The figures cover direct costs such as more frequent visits to the doctor, hospital admissions or medicine use, and indirect costs by way of lost labour, lower earnings and greater unemployment. The researchers also noted that the patients were more likely to be on welfare than healthy subjects, and more likely to be on prescription medicines subsidised by the state.
In addition to these costs there are also the actual costs of welfare payments. Patients who suffer from snoring, sleep apnea, or obesity-related respiratory difficulties received an average of €147 (approximately $200), €879 (approximately $1160) and €3263 (approximately $4300) in extra welfare payments.
"Our study is the first to look at the actual socio-economic cost of the three disorders," Professor Jennum continues. In the last couple of years he has conducted several studies into the socio-economic costs of sleep disorders such as narcolepsy, where researchers found higher medicine consumption, more hospital admissions, and 30 per cent greater unemployment when the disease was undiagnosed and untreated. So there is plenty of potential for ensuring earlier intervention, diagnosis and therapy.
"In the last few years we have become better at diagnosing and treating sleep apnea and obesity-related respiratory difficulties. This may help our patients because we know that there are lots and lots of people out there who are terribly tired in the daytime without being diagnosed and without knowing why. If you sleep badly at night for long periods at a time this may be due to various sleeping disorders, most of which we can treat nowadays. So it is important for people with sleep disorders to get in touch with the health service; otherwise their health, education, ability to work, and thereby their finances may be affected."
Material adapted from University of Copenhagen.
Reference / Abstract
Poul Jennum & Jakob Kjellberg (2011). Health, social and economical consequences of sleep-disordered breathing: A controlled national study. Thorax doi:10.1136/thx.2010.143958


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Hugin Mask tab
Hugin Masks tab
The Hugin Masks tab has two functions:
- Creating masks for individual images that include or exclude specific parts of these individual images into your final panorama.
- Cropping one or more of your individual images, like you would do for e.g. fisheye Projection images having a circular area in the middle with a useless black area outside, or scanned images that might have edges that need to be cropped away.
The top-left side of the masks window shows a list of all images in the current project.
For this the Masks tab has in the mid-section on the left side two sub-tabs Masks and Crop, each with it's own functionality. Note that you first have to select an image in the top left before the functionality of both will be enabled.
Editing masks
The blender (default is Enblend) uses any part of a photo overlap to place a seam which can result in part of a person or object being cut by the seam and only appearing in part in the final stitch.
By excluding an area using a mask (exclude mask) you are telling the blender to exclude that region from consideration both when placing the seam and when blending. The result is that you can remove a person or object from the final stitch. You should only exclude a part of one photo if some other photo shows the same part of the scene without that object, otherwise you will get a black empty area in your final panorama.
When you include an object with a mask (include mask) the opposite happens, this simply removes that part of the scene from all other photos. The blender has no choice but to use the region in the photo you selected.
Masks can be saved and reloaded.
The top-left side of the masks window shows a list of all images in the current project. The list box below shows all masks of the active image.
Creating a mask polygon
After selecting add new mask set polygon points with left mouse click. Finish polygon with right mouse button or left double click.
Deleting a mask
You can delete the active mask by the delete mask button. The active mask is also deleted by pressing the delete key when all or none points of the current mask are selected.
Selecting a mask
There are 3 ways to select a mask
- left mouse click inside polygon
- use rubberband around polygon, this works only when the active polygon has no selected points
- use the listbox on the left side
Selecting point(s)
You can select points of the active polygon by clicking on it. To select several points use a rubberband around all points. When holding down the shift key, the newly selected points are added to the existing selection.
Moving point(s)
Simply drag a point with left mouse button. This works also when more then one point is selected.
Moving the whole mask
If you want to move the whole mask, drag the mask with right mouse button. (You have to start dragging inside the polygon.)
Adding points
You can add a new point to the mask polygon by click with left mouse button while holding down the ctrl key on a line segment. Until you release the left mouse button you can also directly move the newly created point.
Deleting points
You can delete a single point of the active polygon by a right mouse click while holding ctrl key on a point. To delete multiple points drag a rectangle/rubberband with the right mouse button and pressed ctrl key around the points, which should be deleted. When you press the delete key the selected points are deleted.
Attention: When the remaining polygon consists of less than tree points, the delete operation is canceled.
Cropping images
Image cropping shouldn't be confused with a camera's Crop factor, which is something else entirely. Use the Crop tab to indicate the areas of the input images that hugin should exclude from the stitching output. There are three situations where you might want to use crop parameters:
- With a scanned input image, there are usually black edges or marks along the sides of the image.
- With a circular Fisheye Projection image there are black unexposed areas outside the image circle.
- Some lenses have a lot of flaring around the edges which you don't want to keep.
Select the image to be cropped in the list to the left, you can adjust the position of the crop area by dragging the perimeter in the image preview on the right. Multiple images can be selected by holding down the Shift or Ctrl keys while clicking in the image list.
Note that unlike PTGui, setting crop parameters in hugin doesn't change the Field of View or optical centre of your images, it simply indicates areas of the image to be masked out, so you can change the cropping for photos in your project at any stage of the stitching process. In detail, hugin uses the S 'selection' parameter in the i and o script lines instead of the C 'crop' parameter.
Depending on the input image type, cropping has two different behaviours:
- For circular fisheye photos the crop area is a circle.
- For any other input image, the crop area is a rectangle.
Change the input image type in the Hugin Photos tab or in the Hugin Assistant tab.
The Crop tab features four text boxes for Left, Top, Right and Bottom where you can manually enter the positions of the four edges. The origin is top-left and numbers indicate the distance in pixels from this origin.
Note that numbers can be negative and can extend beyond the width and height of the photo, this is primarily useful for partial fisheye images where the full circle is not visible, in this case the crop circle extends beyond the picture frame.
The default Always center Crop on d,e assumes that all cropping is symmetrical around the optical centre of the lens. This is normal unless you are using the crop feature to remove lens flare, in which case the crop may need to be asymmetrical.
The d and e lens parameters setting the position of the optical centre are used by the Lens correction model and are set in the Hugin Photos tab.
Save and apply crop values
Usually crop values don't vary too much for each lens/camera combination. So instead of always creating an almost same crop for new projects these values can be saved using the 'Save lens...' button in the Hugin Photos tab tab.
To load crop values just select one image in the 'Camera and Lens' tab and load the previously saved lens description file. That also sets the crop for all images in the project that have the same lens number.
The lens description file is a plain text file with a .ini extension.
Hint: On Mac OS use the command key instead of the control key for all above mentioned operations.


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Black-eyed Susan, gloriosa daisy
Rudbeckia hirta, Rudbeckia fulgida
Plants of Home and Garden
Sow uncovered when seed ripens, or indoors or in cold frame, late winter. Self-sows readily. Divide into 4" clumps, every few years. Likes moist, sandy, moderately fertile soil, and good light; tolerates hot and dry sites well. Zone 3-9
See Also
Black-eyed Susan (Thunbergia alata)
Related Topics
Dividing Plants
|Copyright © 2020,
All rights reserved


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How to Qualify for Licensure
For initial certification in Mississippi, all candidates must:
- Earn a baccalaureate degree
- Complete an approved program of teacher education OR an alternate route program
- Pass the Praxis® tests for their certification area
Visit the Educator Licensure home page of the Mississippi Department of Education for comprehensive licensure guidelines.
Important Information
- ETS discontinued paper-delivered testing; however, Praxis tests will continue to be available in a paper-delivered format as required for ADA accommodations. All scores for previously administered paper-delivered tests are reportable for 10 years from the date the test was taken.
- If you test in Mississippi, your score report will be sent automatically to the Mississippi Department of Education. If you test outside of Mississippi, select the Mississippi Department of Education (state code 7599) as a score recipient when you register or on an additional score report request.
- Mississippi requires a Social Security number (SSN) in order to process educator certification paperwork. ETS does not require your SSN for its own purposes, but will submit it to Mississippi with your test results. Failure to provide your SSN could delay processing of your certification application.
Who Must Take the Tests?
Teacher candidates or those wishing to become certified must take the Praxis tests.
Prior to entering an educator preparation program at your college or university, you may be required to take the Praxis® Core Academic Skills for Educators (Core) tests to demonstrate your qualifications. Alternate route teacher candidates are required to take the Core tests for educator licensure.
Teacher education program graduates for all content areas must pass the Principles of Learning and Teaching (PLT) test that most closely matches the grade levels of the license sought. The PLT test is not required for alternate route candidates.
In Mississippi, both traditional and alternate route candidates must take the appropriate Praxis® Subject Assessments for each area of certification sought.
See also:
- About the Praxis Tests
- The Praxis® Tests Information Bulletin
- Prepare for a Test
- Register for a Test
- Accommodations for Test Takers with Disabilities or Health-related Needs
Promotional Links
Ready to take a Praxis® Test?
Praxis Test Centers and Dates
See test centers, dates and deadlines for Praxis tests.
Explore Praxis Test Preparation
Prepare for your test with interactive practice tests and study companions.


text:
Listings in Information Governance, Data Recognition and Extraction, Archiving/Preservation, Analytics Services and Low Code Development Platforms in Walnut Creek
ARC Technology Solutions, a Unit of Document Solutions
in Records Management, Process Services, Multi-channel Capture, Content Services, Collaboration, Archiving/Preservation
ARC offers mobile solutions for facilities, archiving and projects teams. ARC scans, captures and organizes building and facilities information, making it accessible anywhere, anytime, on any mobile device.
1981 North Broadway, Suite 385
Walnut Creek, CA 94596
United States


text: I am aware that my username is slightly disturbing and also misspelled. Nobody has ever pointed it out to me, but I have been well aware for the past few years. It's a bit shameful, but what can you do? I was young when I made this account and had just watched the movie Without A Paddle for the first time, and was in love with the line, "Abort the fetal position, it's not working!" Having just discovered the vast world of fanfiction, I was excited to create an account here to post my newly written stories - so excited, in fact, that I forgot a little "i" in the word "position." Such memories.


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The Elegant Art of Complaining
Sometime back, I received a comment, I can't remember from whom. He mentioned how many of his guildies were terrible at complaining. Most of the time, he couldn't even tell what it was they were complaining about. As I thought about it, I realized he was absolutely right. Many of us suck at complaining. Big time. It's no mystery why: from the cradle onwards we're told that big kids don't cry, to suck it up, to stop whining, to QQ moar. As a result we don't get what we want from life. Our jobs, our romantic relationships (and I know this! People who suck at complaining in relationships always come crying to me – there's a reason why us crying shoulder types are generally single. It's called disillusionment.), our social life and, yes, WoW are less enjoyable because we can't complain properly.
All hail the typical pop psychology intro. I'm going to keep it up, with some…productive? tips to get the most out your complaining. Since this is a WoW blog, I'm sticking with WoW related examples, but, really, talking to humans skills tend to apply wherever you talk to humans.
1- To each battle, its own battlefield.
Various problems need varying amount of visibility. Some should be discussed publicly with as many guildies as possible, others should be saved for a small group, others kept between you and a guild officer, others can only be mentioned to your crying shoulder of choice, others are TMI and should stay in the bedroom and the remainder should, at most, be saved for your secret diary. Factors to consider:
- Is there a practical solution to this problem? If there's no possible solution and the most you can do is rant, save your rage for a single special someone you enjoy ranting to. Don't bring anyone else into it.
- How "politically correct" is your disagreement? Boss strategies are usually open for discussion on your guild forums. How you think you can help SpaceCadetCutie finally outdps the healers belongs with an officer, SpaceCadetCutie's class leader or SpaceCadetCutie himself. Guild policies are somewhere in the middle, might want to run your thoughts through an officer and feel the pulse of a few trusted guildies before you make a fool of yourself on the forums.
- Who other than you cares? If there's something you want changed, you'll want to check with your favorite teammates to see if they agree with you. If no one else sees a problem, trying to change things will feel like pushing a giant boulder uphill.
- Does it have to do with the guild at all? I wasn't kidding when I said some problems should stay in the bedroom. We're all terribly sorry HealerX cheated on TankY, but, seriously, guild chat isn't couples counseling.
2- Know your place
A reoccurring topic on guild leadership blogs and forums is concerning guild trial members who feel the need to criticize everything. Some players even start criticizing in their application forms. Seriously. If there are things you want changed before you even know how your new guild works, you're not in the right place.
That said, if there something that you would need to ease your transition into a new guild, certain requests are acceptable. For example, when I first joined my current guild, I gently (at least I think it was gentle…) asked that guildies say their names when they spoke in raids. In my state of panic, I couldn't even pick out the raid leaders' voice out of the mess. They were understanding and I was able to perform better because of it.
Even beyond the trial stage, it's a good idea to build a respectable reputation for yourself and earn the trust of your teammates before taking initiatives. Natural leaders are wonderful, we all love natural leaders. However, your guildies will be reluctant to rally behind someone they don't really know yet. (Can you blame them?)
3- Clearly identify the problem
Sound like a no brainer? Kind of like those essays on silly topics they make you write in the 7th grade. You know, the ones we all did bad on because we went off topic. (Or maybe that was just me? Oops!) Anyway, if you want a problem fixed, be clear about the problem.
Bad example: You never tell us anything!
Good (yet silly) example: I wasn't aware that we had changed our Wednesday run policy from full gear to a no-pants party.
If it's not obvious as to why the problem is a problem, add an explanation. But! Keep it as short and clear as possible.
4- Suggest a solution
Look at it this way: if you, angry person, can't be arsed to think of a solution to your problem, do you really think that your guild officers, who currently think everything is dandy, will be arsed?
Lets take my silly no pants party example and propose a solution: Would it be possible to post changes to policies, including Wednesday no pants parties, in a separate thread on the forums to prevent confusion?
Note, if a problem has no tangible solution and you're one of those people who just need to rant about things to automatically feel better, then you and I would totally understand each other. Err… I mean, it's completely fine to rant, but if other players are involved in your rant, keep it hush hush and pick your crying shoulder carefully. Talking meanly about someone in the open will earn you a crappy reputation, talking meanly about someone behind their back can backfire as well.
5- It's not what you say, it's how you say it
Tell me what the following says: "u nvr tell us nting plz tell wen u chnge wensdys 2 no pantz plz ppl dun no wut 2 do"
Translated into plain English, that line read: "I am a moron, I have no idea what I'm talking about. Please ignore me."
Oh, most guild officers are pretty lenient when it comes to poor writing, but why make a fool of yourself? You don't need a phD in English to be able to spell the words "you", "are" and "what". By the time you graduate the first grade, you should know to capitalize the first letter of a sentence and to use "." at the end.
You don't have to write perfectly to complain (heaven knows my English isn't perfect or what I would do without readers to point out my typos ;D), but keep in mind that the better you express yourself, the more your thoughts will be respected. You'll also be clearer in stating your case, which prevents misunderstandings and useless discussion.
Other tips to get a point across:
- When making requests, use "would you" instead of "could you". Would and could have different meanings. When making a request, you're asking if the person would do something for you, not if they have the ability to (can).
- Only give relevant details. Extra details are confusing. For example: "It was Sunday morning and I was healing my tank boyfriend for the third time today in Halls of Reflection because we kept getting it in the random dungeon finder and JackHunter from our guild ended up in our group for the run, but hadn't been in the runs before and kept asking for heals and saying girls make drama and my boyfriend told him to stop so he ninjaed the gun and left group. He does this to guildies all the time and my boyfriend and I have asked him to stop before and he doesn't listen and I don't like playing with him, especially in raids like the raid we had on Monday." How many times did you have read that before understanding that one of the guildies is rude and made a sexist comment?
- Simple requests go over well as questions, more complex suggestions can more direct. Using bullets to break down complex suggestions into points works well too.
And there you have it, a 101 crash course on complaining and getting results. While complaining effectively is quite the art, following these basic guidelines can help solve various problems such as bottled up emotions coming out at the wrong time, communication regarding Wednesday no pants parties, rude JackHunters and burned out amateur couples therapists. And we all know we don't want problems like that in WoW. Oh, and it also applies to serious concerns as well as day to day non-WoW situations.Explore posts in the same categories: Internet Anthropology
Tags: communication, complain, guild life, skillsBoth comments and pings are currently closed.
9 Comments on "The Elegant Art of Complaining"
January 25, 2010 at 6:52 pm
Oh no. I'm not usually a grammer nazi, but any post about proper english has to be proof-read very carefully!
'By the time you graduate the first grade, you should know to capitalize the first letter of a sentence and to us "." at the end.'
Unless you are making a point, it should be 'use "." at the end.'
Make the change and hide the comment!
January 27, 2010 at 6:52 pm
[…] (Bonus points: see Bossy Pally's article on complaining effectively.) […]
January 27, 2010 at 8:44 pm
"You know, the ones we all did bad on because we went off topic. (Or maybe that was just me? Oops!)"
I just had to write a final paper for the conservation psychology course I took in Germany and decided to write about solar panels. Halfway through the paper, I realized I was writing a paper about urban green spaces… So I just switched topics to urban green spaces and called it a day.


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Intestinal issues are not just for humans. Rhesus macaques living in captivity often develop chronic diarrhea similar to the human autoimmune condition ulcerative colitis. Now these animals are providing new insights about a cure for this condition in both species—and that cure is worms.
Small human trials have found that giving people pig whipworm eggs can reduce symptoms of inflammatory bowel disease (IBD). In developing countries where IBD is much less common, parasitic worms (helminths) are often endemic, perhaps conferring some benefit. But scientists have still been parsing out why the presence of these worms might work so well.
For the new study, P'ng Loke, an assistant professor of microbiology at New York University Langone Medical Center, and his colleagues selected five juvenile rhesus macaques with idiopathic (cause unknown) chronic diarrhea. Each monkey was fed 1,000 parasitic whipworm (Trichuris trichiura) eggs. After the treatment, four of the five monkeys had improved and regained weight. The findings were published online in PLOS Pathogens.
The researchers found that the ill monkeys started out with an abnormally high rate of bacteria attached to the mucosal membranes of their colon. After the treatment, bacterial communities in their colon had changed substantially, suggesting that exposure to helminths may help restore the balance of microbial communities in the gut.
The team speculated that the presence of the parasite eggs stimulated extra mucus production and healing, in addition to renewing epithelial cells, which line the gut. These changes helped to reduce the quantity of bacteria that could attach to the gut lining and rev up the immune response unnecessarily. Loke and his colleagues are now starting a human trial to test pig whipworm eggs as a treatment for ulcerative colitis. If it proves successful and eventually makes it to market, just think of them as the caviar of probiotics.


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Godalming Horse Drawn Canal Boat with Cream Tea - Mon 30th July 2018
- Duration: 1 Days
- Location: Godalming
- Product code: PE4DN1
We head to the ancient market town of Godalming delightfully situated on the picturesque River Wey in South West Surrey. Plenty of time here for an extended lunch and time to enjoy the historic architecture of the town. Maybe take a stroll down charming Church Street to the church with the park beyond following the river. In the afternoon we board our horse drawn barge for a 2 hour cruise along the river. Sit back, relax and enjoy the sounds of the river on board the traditional canal boat powered solely by the towing action of the horse - a lovely tranquil journey. Facilities onboard include a toilet and a tea bar serving beverages and soft drinks.
Whilst on board we have also included a Cream Tea for you to enjoy! A lovely day out.
Dropping off point – Godalming town centre - 11.45am, Dropping off Godalming Wharf - 1.45pm
Departure time - 4.15pm approx. (TBC by driver on day)
Return to the local area – 6.30pm to 7.30pm approx.


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Top 10 Most Jacked NBA Players
In a league full of physical specimens, these are the best.
HoopsVibe Very Quick Call: You won't find Kris Humphries on this list, or Big Baby.
10. Amare Stoudemire
Shirtless pics of Stoudemire are the rule, not the exception. And why not, he's earned it. Now working his way back to regular minutes after injury, Stoudemire will be back to full strength soon, with more pool photo shoots to follow.
9. Carlos Boozer
Boozer is great at staying under the radar for the most part. But in a year where the Bulls have needed him to step up and solidify the front court, the veteran has done that.
8. Kobe Bryant
Kobe's inclusion on this list may elicit a few boos, but the way he has transformed his body during his career warrants some respect. From entering the league as a skinny 18 year old, Kobe has put on a little more muscle every year and you can tell it has paid off by the way his game has become more physical, and less about put jumping defenders, over that time.
7. Ray Allen
Ray Allen has been ripped for years but doesn't really get the credit as such because he is a perimeter player who makes a living draining threes- a specialty which isn't often seen as being based on strength or physicality. I don't know about you, but I would be shirtless all the time if I was Ray Allen. Especially at his advancing age.
6. Blake Griffin
Griffin's leaping ability and athleticism grab most of the attention and highlights, but he is as strong as any front court player in the league. He gets criticized for "only being able to dunk" but the fact that he puts himself in that position time and time again even though every one knows it's coming show how strong he is.
5. Serge Ibaka
Pound for pound, maybe the strongest player in the league. Ibaka is built like a comic book hero, straight up. Anybody with an 8-pack and leads the league in blocks qualifies for this list.
4. Andre Iguodala
Speaking of comic book hero type bodies, Iguodala definitely fits into that category. The balance and symmetry of his physique lends itself to his game; balanced in all aspects, equally productive across the board. In addition, he always seems incredibly smooth and relaxed, just like his build.
3. Metta World Peace
"Ron Ron" is a beast. Just when you think he's mellowed out and forgotten how much of an intimidating force he can be, he deftly punches Detroit's Brandon Knight in the clinch. At 6-7, a jacked 240 pounds and with the potential to go off at any moment, it makes him seem even more ripped in my mind. But him being mental shouldn't detract from how much a physical specimen Ron Ron is is.
2. Dwight Howard
Love him or hate him, D Howard has arguably the most impressive physique in a league full of players with impressive physiques. While toughness is something Howard definitely lacks (especially of the mental variety), the width of his shoulders cannot be questioned; has there ever been a wider NBA player? And I don't mean "wide" like Oliver Miller.
1. LeBron James
Even if you don't think he is the most jacked player in the league, you have to acknowledge that he uses the strength of his body on the court better than any player in the league, maybe even ever. How many times do you see Bron Bron take a player attempting to guard him straight up from the top of the key right to the rim, with ease? It isn't that easy, he just makes it look like it is because he is so strong.
For more news, info and updates, follow us on Twitter @hoopsvibe
Image Credit: Creative Commons


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The Twilight Series and Jane Eyre
Stephanie Meyers' popular teen vampire novels have a surprising connection to the Brontes, it turns out. This article from The Courier Mail contains an interview with the author who claims Jane Eyre as an influence, although not an inspiration, for her work:
Speaking to me over the phone from her home in rural Arizona, Meyer, 34, revealed that Twilight's vampire Edward Cullen, a literary creation set to rival Harry Potter, is a subconscious combination of her three favourite leading men _ Jane Eyre's Edward Rochester, Pride and Prejudice's Fitzwilliam D'arcy and Anne of Green Gables' Gilbert Blythe.
Meyer says it was only when she finished Twilight that she realised there were similarities with Jane Austen's Pride and Prejudice. And that Edward Cullen was a combination of her favourite romantic protagonists, especially Jane Eyre's Edward Rochester, because the two Edwards see themselves as ``monsters''.
I am actually more surprised at the idea of a vampire with elements of Gilbert Blythe's character, and I do wonder what Lucy Maud Montgomery would think of it all!


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All News Releases By Date
EPA Awards $60,000 in Environmental Justice Grants to Southern California Projects
Release Date: 09/11/2013
Contact Information: Nahal Mogharabi, 213-244-1815, email@example.com
Organizations focus on issues in San Bernardino, San Diego; $1.1 Million Awarded to Groups Nationally
LOS ANGELES— The U.S. Environmental Protection Agency today awarded $60,000 in grants to two organizations in San Bernardino and San Diego for projects to address environmental justice issues. The projects will provide training to educate and empower residents of low-income communities, enabling communities to better participate in decision-making on environmental health issues and control and reduce asthma symptoms. The grants will enable the organizations to develop solutions to local health and environmental issues in low-income, minority and tribal communities overburdened by harmful pollution.
"EPA's Environmental Justice Small Grants are making a visible difference in Southern California," said Jared Blumenfeld, EPA's Regional Administrator for the Pacific Southwest. "These grants equip communities with the necessary tools to address environmental challenges in their neighborhoods."
This year, EPA awarded a total of $1.1 Million in competitive grants to 39 non-profit and tribal organizations working to address environmental justice issues nationwide. This year's Southern California grants include the following:
Environmental Health Coalition (EHC)
Project: Changing Land Use Policies, Changing Lives—Improving the Health of Environmental Justice Communities
Grant Amount: $30,000
Location: San Diego, Calif.
EHC will educate and empower residents of low-income neighborhoods in the San Diego region, statewide, and nationally to advocate for land use by delivering a Spanish/English training program. The bilingual program will teach residents to engage and achieve community goals including rerouting truck traffic and separating industrial from residential and commercial uses.
Center for Community Action and Environmental Justice (CCAEJ)
Project: Breath of Life—An Asthma Prevention and Education Program
Grant Amount: $30,000
Location: San Bernardino, Calif.
CCAEJ will promote safe and healthy practices to control and reduce asthma symptoms and related illnesses in San Bernardino and Jurupa Valley communities. The program will be administered by eight health promoters (promotoras) who will conduct prevention education classes for 45 residents in the affected communities. The program will educate and train those residents to conduct home assessments and monitor asthma triggers as well as develop social assessments on barriers that may keep families from self management needed to sustain health improvements.
An additional $60,000 in grants was awarded to two organizations in Northern California. EPA's environmental justice efforts aim to ensure equal environmental and health protections for all Americans, regardless of race or socioeconomic status.
Environmental justice is defined as the fair treatment and meaningful involvement of all people, regardless of race or income, in the environmental decision-making process. Since 1994, EPA's environmental justice small grants program has supported projects to address environmental justice issues in more than 1,400 communities. The grant awards represent EPA's commitment to promoting community-based actions to address environmental justice issues.
In the fall of 2013, EPA will issue a Request for Proposals for the FY 2014 Collaborative Problem Solving Grants. A schedule of pre-application community stakeholder teleconference calls will be announced at that time.
2013 EJ Small Grant recipients and project descriptions: https://www.epa.gov/environmentaljustice/resources/publications/grants/ej-smgrants-recipients-2013.pdf
More information about EPA's Environmental Justice Small Grants program: https://www.epa.gov/environmentaljustice/grants/ej-smgrants.html
Search this collection of releases | or search all news releases
View selected historical press releases from 1970 to 1998 in the EPA History website.


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oh yes, it's a day of drunken Irish celebration. i love it. Erin go bragh! we pre-celebrated this weekend by attending the official St. Patrick's day parade in San Francisco. i got up at 6:30 am to endure some massive cooking. my Irish breakfast included: Irish soda bread, Dubliner Irish cheddar and mushroom eggs, fried tomatoes, corned beef n' cabbage, and bacon. topping that off with some Irish coffees, Guinness, Magners, and Murphy's, we had ourselves quite a festive breakfast. if only i had time and didn't have to work today, i would have done it all over again! :) check out the highlights:
<3 katie


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I want to get a simple object(say, a triangle) to enlarge/shrink as it moves towards/away from the viewer respectively.
I dont want the viewer to move closer to/farther from the object. Rather, the object needs to move towards/away from the viewer. And the object size must change accordingly.
Can someone please give me just a summary of the sequence of opengles api calls I need to make?
I know glFrustum is somewhere in there, but somehow I feel I am not using the function correctly in my code. Either that, or I am missing out on some API calls.
Your help is really REALLY appreciated!


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Home > Hispanic gangs
Hispanic Gangs in Los Angeles County
One of the oldest Hispanic gangs in Los Angeles is called Dog Town Rifa, located in the William Mead housing projects that were built in 1942. The gang had actually been in that area since 1890 when it was a multi-racial group of Irish immigrants, Mexicans and other ethnic groups that lived in the Chinatown area north of downtown Los Angeles.
Other old Hispanic barrios include Temple Street (1923), White Fence (1925) in Boyle Heights, 38th Street in South LA, Canta Ranas (1920s) in Santa Fe Springs, Canoga Park Alabama (1930s) & San Fers in the Valley, Clanton (early 1920s), Florencia, El Hoyo Maravilla, Artesia (1940s), Hawaiian Gardens (1940s), Dog Patch (1940s), and Big Hazard (1940s).
They are geographically dispersed throughout the county and city and not concentrated in one section of Los Angeles. They are found in significant numbers in the San Fernando Valley, San Gabriel Valley, the Beach communities, Long Beach, Compton and South Los Angeles. Below is a list of cities/places in Los Angeles County where Hispanic gangs are currently active.


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Ole Nina has hot sex with her man after a manicure
Ole Nina just finished her manicure, but her man wants hot sex. He takes off her panties and she enjoys his cock with her feet and mouth. He then licks and fucks her hairy pussy until he cums all over it.


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Income Tax Department via amendment, notified due dates for filing e-tds return form 24Q for salary, 26Q for Contractors/other deductees and 27Q for non residents for Last quarter (Q4) as 15th May, 2013 (15.05.2013).
Important Due Dates for March-2013:
- Due date to deposit tax deducted (TDS) of March 2013 is 30.04.2013
- e-Tds return due date for salary Q4 (01.01.2013to 31.03.2013) (form 24 Q) is 15.05.2013
- e-Tds return due date for other than salary Q4 (01.01.2013 to 31.03.2013) (26Q) is 15.05.2013
- Due date for form 16 (Salary) Fin. Yr. 2012-13 is 31.05.2013
- Due date for Form 16A (Q4) (01.01.2013 to 31.03.2013) is 30.05.2013
Note: Penalty of Rs. 200/- per day.
Deposit of Tax Deducted:
Rule 30 prescribes time and mode of payment of tax deducted at source to the account of Central Government.
Prescribed time of payment/deposit of TDS made to the credit of Central Government account is as under:
(a) In case of an Office of Government:
|Sl. No.
|Time up to which to be deposited.
|Tax deposited without Challan [Book Entry]
|Tax deposited with Challan
|Tax on perquisites opt to be deposited by the employer.
(b) In any case other than an Officer of Government
|Sl. No.
|Time up to which to be deposited.
|Tax deductible in March
|30th APRIL NEXT FINANCIAL YEAR
|Tax deductible in any other month
|Tax on perquisites opt to be deposited by the employer
However, if a DDO applies before the jurisdictional Additional/Joint Commissioner of Income Tax to permit quarterly payments of TDS under section 192, the Rule 30(3) allow for payments on quarterly basis and time given in Table below:
|Sl. No.
|Quarter to the financial year ended on
|Date for quarterly payment
|30th June
|7th July
|30th September
|7th October
|31st December
|7th January
|31st March
|30th April next Financial Year
Statement of deduction of tax under section 200(3) [Quarterly Statement of TDS]:
4.9.1. The person deducting the tax (employer in case of salary income), is required to file duly verified Quarterly Statements of TDS in Form 24Q for the periods [details in Table below] of each financial year, to the Director General of Income Tax (Systems), ARA centre, Jhandewalan Extn., New Delhi or TIN/facilitation Centres authorized by DGIT (System's) which is currently managed by M/s National Securities Depository Ltd. (NSDL). The requirement of filing an annual return of TDS has been done away with w.e.f. 1-4-2006. The quarterly statement for the last quarter filed in Form 24Q (as amended by Notification No. S.O.704(E), dated 12-5-2006) shall be treated as the annual return of TDS. Due dates of filing this statement quarter wise is as in the Table below.
TABLE: Dates of filing Quarterly Statements E-TDS Return 24Q
|Sl. No
|Return for Quarter ending
|Due date for Government Offices
|Due date for Other Deductors
|30th June
|31st July
|15th July
|30th September
|31st October
|15th October
|31st December
|31st January
|15th January
|31st March
|15th May
|15th May
4.9.2. The statements referred above may be furnished in paper form or electronically in accordance with the procedures, formats and standards specified by the Director General of Income-tax (Systems) along with the verification of the statement in Form 27 A.
4.9.3. All Returns in Form 24Q are required to be furnished in computer media except in case where the number of deductee records is less than 20. This is in accordance with the "Electronic Filing of Returns of Tax Deducted at Source Scheme, 2003" as notified vide Notification No. S.O. 974 (E), dated 26-8-2003 read with Notification No. SO 1261(E), dated 31-5-2010. Deductors have to file quarterly statements with the e-TDS Intermediary at any of the TIN Facilitation Centres, particulars of which are available at http://www.incometaxindia.gov.in and at http://tin-nsdl.com.
4.9.4 Fee for default in furnishing statements (Section 234E):
If a person fails to deliver or caused to be delivered a statement within the time prescribed in Section 200(3) in respect of tax deducted at source on or after 1-7-2012 he shall be liable to pay, by way of fee a sum of Rs. 200 for every day during which the failure continues. However, the amount of such fee shall not exceed the amount of tax which was deductible at source. This fee is mandatory in nature and to be paid before furnishing of such statement.
4.9.5 Penalty for failure in furnishing statements (section 271H):
If a person fails to deliver or caused to be delivered a statement within the time prescribed in section 200(3) in respect of tax deducted at source on or before 30-6-2012, he shall be liable to pay, by way of penalty, a sum of Rs. 100 for every day during which the failure continues, [section 272A(2)(k)]. However, the amount of such fee shall not exceed the amount of tax which was deductible at source.
If a person fails to deliver or caused to be delivered a statement within the time prescribed in section 200(3) in respect of tax deducted at source on or after 1-7-2012, he shall be liable to pay, by way of penalty a sum which shall not be less than Rs. 10,000/- but which may extend to Rs 1,00,000/-. However, the penalty shall not be levied if the person proves that after paying TDS with the fee and interest, if any, to the credit of Central Government, he had delivered such statement before the expiry of one year from the time prescribed for delivering the statement.
4.9.6 Penalty for furnishing incorrect information (section 271H)
If a person furnishes incorrect information in the statement in respect of tax deducted at source on or after 1-7-2012, he shall be liable to pay penalty which shall not be less than Rs. 10,000/- but which may extend to Rs. 1,00,000/-.
4.9.7. At the time of preparing statements of tax deducted, the deductor is required to mandatorily quote:
(i) his tax deduction and collection account number (TAN) in the statement;
(ii) quote his permanent account number (PAN) in the statement except in the case where the deductor is an office of the Government including State Government). In case of Government deductors "PANNOTREQD" to be quoted in the e-TDS statement;
(iii) quote the permanent account number PAN of all deductees;
(iv) furnish particulars of the tax paid to the Central Government including book identification number or challan identification number, as the case may be.
(v) furnish particular of amounts paid or credited on which tax was not deducted in view of the issue of certificate of no deduction of tax u/s 197 by the assessing officer of the payee.


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For some people, hearing about a bug bite or a rash is enough to cause them to furiously dig at their own unaffected skin. Even some doctors who treat people with shingles report feeling itchy after witnessing their patients scratching. And we'd bet many of you readers are feeling itchy right this very second.
It seems humans commonly catch itches from one another, but scientists hadn't proven it—until now. Researchers found that itching is contagious much like yawning and laughing.
"With itching, there [was] only anecdotal evidence that watching [a person] itch induces itching," explains Henning Holle, a lecturer in the psychology department at the University of Hull in England. "We wanted to know whether contagious itch would effect everyone."
Holle asked 51 adults to take a personality test that ranks the Big Five personality traits of openness, conscientiousness, extroversion, agreeableness and neuroticism. Then using functional magnetic resonance imaging, or fMRI (a technique that detects brain activity by monitoring blood flow in the brain), the subjects watched either a video where someone was scratching herself or tapping her arm or chest. The fMRI allowed the researchers to see the subjects' brain activity as they responded to the video images.
Two-thirds of the people who saw the scratching video scratched themselves. This finding mirrors what experts know about other socially contagious behaviors such as yawning and laughing: most of us "catch" yawns and laughter.
"Most people tend to experience contagious itch—some are more prone to it than others," Holle explains. "I was really surprised by the amount of people who spontaneously scratched."
Watching an itch sparks activity in the anterior insular, primary somatosensory area, and the prefrontal and premotor cortices. These regions, part of the itch matrix, also activate when a person actually feels an itch, meaning that watching someone scratch makes the brain think it is experiencing an itch.
After establishing that itching spreads socially, Holle wondered what caused it. He suspected itch might spread because of empathy. There is some evidence that people feel pain empathetically: When someone sees a family member receive an electric shock, the observer also feels pain (as this is in a lab setting the people aren't actually receiving the shock). It turns out that people who exhibit more empathy do not scratch more than those who are less compassionate. But people who are more neurotic, those who experience the biggest mood swings and exhibit anxiety, depression, jealousy, and guilt, are more susceptible to contagious itch than others. The neural activity in the prefrontal cortex reinforces the self-reported data indicating that people with neurotic tendencies are more likely to catch an itch.
"This introspective awareness might explain why people are more prone [to contagious itch]," he says.
The paper appears in the journal Proceedings of the National Academy of Sciences.
Spiders! Ants! Did that make you itchy? Here's why


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International Youth and Students for Social Equality in
New York
Do you want to learn more about the IYSSE clubs in New York?
Sign up here to learn more!
All of our IYSSE clubs throughout New York state are open to all youth, students, and workers.
Join the IYSSE using our online application form.
No to imperialist war!
The war drive is a conspiracy of the capitalist elites, orchestrated by the highest levels of government, the military-intelligence apparatus, the corporate-financial oligarchy and a corrupted right-wing media, without even the pretext of democratic debate.
For free quality education!
We demand that the universities be turned into intellectual centers dedicated to the advancement of society as a whole, not think tanks for the ruling class and military establishments of each country.
For free quality health care!
Health care is a social right—along with education, housing, employment, retirement and access to culture—not a privilege reserved for the wealthy, and must be provided to all free of charge.
For historical truth!
In a new era of world war and revolution, the ruling class and its ideologists are engaged in a campaign of historical falsification aimed cutting workers and young people off from the history of the struggles for international socialism.
For social equality!
The levels of inequality that exist in the world are virtually without precedent in history. The apologists for capitalism claim that inequality is not related to the economic crisis, as if the withdrawal of trillions of dollars from productive use has no economic impact.
Defend the Internet!
In response to open censorship by the government and media corporations, the IYSSE opposes any efforts to limit Internet accessibility, free exchange of information, and rights to privacy.
Decent jobs for all!
The IYSSE believes that the right to employment is the most basic right deserved to all. Only one quarter of the world's working population holds a permanent and stable job.
For the International Unity of the Working Class!
The great strategic task of the modern epoch is the forging of the political unity of the workers of all countries, races, and ethnicity as the decisive international revolutionary force.


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Got steak? Bloomin' Brands stock sizzles in debutAugust 8, 2012: 11:58 AM ET
Shares of Outback Steakhouse owner Bloomin' Brands (BLMN) surged 10% above its initial public offering price in its debut on the Nasdaq (NDAQ) Wednesday morning.
It's not a home run for Bloomin' Brands or its private equity parents, Bain Capital and Catterton Partners. Bloomin' Brands' underwriters cut the size of the offering to 16 million shares from 21 million, and dropped the IPO price to $11 from a range of $13 to $15, in an effort to drum up investor demand.
The strategy seemed to be working. By late morning, the restaurant chain's shares were trading above $12.
In 2006, Bain Capital and Catterton Partners spent $3.2 billion to take Bloomin' Brands, then known as OSI Restaurant Group, private before jumping on a growing IPO bandwagon.
Related: Restaurant week for IPOs: Outback Steakhouse, Carls Jr. going public
Newly public restaurant chains, including Chuy's (CHUY), Ignite Restaurant Group (IRG) and even Dunkin'Brands (DNKN), have generated hefty returns for investors.
Investors and IPO analysts said they're somewhat wary of both Bloomin' Brands and fast food chain CKE, which is set to debut Friday, because of their heavy debt loads.
Bloomin' Brands is saddled with $1.5 billion of debt, but it still managed to book a $100 million profit on $3.8 billion of revenue in 2011.
Francis Gaskin, president of IPODesktop, said restaurant chains that have fared best as public companies are those with good growth trajectories. That could prove challenging for both Bloomin' Brands and CKE, owner of Carl's Jr. and Hardee's, which already have more than 1,000 and 3,000 stores respectively.


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A collection of scholarly works about individual liberty and free markets. A project of Liberty Fund, Inc.
Das National System der politischen Oekonomie von Friedrich List. Mit einer historischen und kritischen Einleitung von K. Th. Eheberg (Stuttgart: Cotta, 1925). https://oll.libertyfund.org/titles/1722,
|Available in the following formats:
|Facsimile PDF
|This is a facsimile or image-based PDF made from scans of the original book.
A German language edition of List's work in favor of internal free trade but high protection for the national economy.
The text is in the public domain.
This material is put online to further the educational goals of Liberty Fund, Inc. Unless otherwise stated in the Copyright Information section above, this material may be used freely for educational and academic purposes. It may not be used in any way for profit.


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I tell you men are funny. Yeah I know I'm one. Anyway when I have patients on the table and doing muscle work on them, guys will more than likely tough it out. Case in point was a guy today. I said my usual if the pressure is too much let me know. I'm breaking up a large trigger point and his leg is jerking up and down. Still quiet as a mouse though. So after a few jerks I asked and he said a little less pressure would be better.
Women are at the other end. The other day it was, "oooo that's the spot, mmmmm." If someone was next door I don't know what they would think. I could tape it and start up a sex phone line for some extra money.
How to Use a Prostate Massager?
3 hours ago


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Building a Magnetic Culture: How to Attract and Retain Top Talent to Create an Engaged, Productive Workforce
The perils of a disengaged workforce are well known—low productivity, high employee turnover, and failure to meet organization-wide goals. Less well known is what to do about it. How do you create a workforce that is always ready, able, and eager to take the organization to the next level?
You have to create a MAGNETIC CULTURE.
As CEO of leading employee survey and HR consulting firm HR Solutions, Inc., Kevin Sheridan knows how it's done—and in Building a Magnetic Culture, he shares all his secrets.
Building a Magnetic Culture explains what engages and motivates employees and how to create an environment in which employees can thrive. Drawing on years of research and real-world examples from his consulting experience, Sheridan gives you the strategies and tactics you need to transform your company by creating and sustaining a Magnetic Culture.
Providing benchmarking and best practices, as well as interviews with executives and HR professionals at companies that boast the highest levels of employee engagement, Sheridan outlines an easy-to-follow plan that:
- Attracts the most talented people—and retains them
- Makes employees feel they are part of the value that their organization creates
- Increases Employee Engagement and drives productivity
- Boosts creativity and problem solving
According to HR Solutions' own employee survey results, actively engaged employees show four times more satisfaction in their work and are four times less likely to leave than disengaged employees are. Is there a reason not to make building a Magnetic Culture your top priority?
Simply put, organizations that place a high value on actively cultivating a culture of engagement stand apart from their competition and enjoy superior business results.
For more information on Building A Magnetic Culture or to visit the SHRM Store, please click here.
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