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Mobile banking: Seven keys for success
If it seems like everyone is doing it, it's because everyone is doing it—mobile banking that is. Mobile banking has become the new table stakes in delivery channels. Aite Group estimates nearly 7,000 U.S. financial institutions offer it to retail banking customers. Use is exploding at a compound annual growth rate of 28% through 2015, says TowerGroup.
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- Written by Lisa Valentine
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- Comments: DISQUS_COMMENTS
Mobile banking has evolved from a delivery-channel experiment to a core part of business, notes Serge Van Dam, vice-president of Market Development for Mobile Solutions, Fiserv. "In 2013, we'll see the first bank in which mobile is the dominate channel," he predicts.
While many banks offer mobile banking, not nearly as many are doing it well. Getting mobile right is critical: One in six consumers report that a poor mobile-banking experience prompted them to look for a new bank, according to a study by Google.
Banks that achieve measurable benefits—loyal, engaged customers who are more profitable than non-mobile customers—treat mobile as the disruptive strategy it is. Says John Finley, senior vice-president of Bank of the West's internet banking channel, "We put mobile first. We ask what the customer wants in mobile and then apply our mobile strategy to other channels."
The following seven lessons, culled from bankers, consultants, and vendors, can put any bank on the path to mobile success.
Don't guess: Analyze usage trends
What do mobile users want from banks? Basic functionality such as viewing account balances and branch locations, paying bills, and transferring money top the list. The good news is that banks now have data available to analyze how customers use mobile banking, allowing them to abandon functions customers don't want and focus on what they do, says Van Dam.
Neil Hickey, mobility lead for Accenture's North America Financial Services Practice, agrees that there is a large untapped opportunity for banks to use analytics to hone their mobile-banking offerings. "Banks may see the number of logins, but don't understand how clients are navigating mobile banking to determine potential value-added services," he says.
Banks that implemented what Nicole Sturgill, research director, TowerGroup, calls "quick hit" functions like balance inquiries, fund transfers, and bill pay are now analyzing their customer base to determine which functions will make customers' lives easier. "Don't just shove a bunch of stuff into your mobile-banking app [application]to say you have it," she advises. "Be thoughtful about what you offer."
But don't rely on current usage patterns alone. Customers may not even know what they want because they haven't been exposed to the possibilities, notes Greg Jacobi, senior vice-president responsible for eBanking at $20 billion-assets Webster Bank. For example, customers didn't ask for mobile remote deposit capture (RDC) but embraced it once it was available.
Mobile is not online, and tablets aren't smartphones
"Mobile banking is not online banking on a smaller screen," says Jacobi succinctly.
Bank of the West's recently launched Quick Balance is an example of a feature that's designed specifically with the mobile user in mind. Customers can get balances on two accounts by opening the $63 billion-assets bank's mobile-banking app and swiping a finger—without logging into the app, explains Finley. Customers are downloading the updated app in droves; within three days of launch, according to Finley, there was a 10% increase in mobile-banking enrollments.
Chase, a pioneer in mobile RDC, believes mobile apps should be quick and easy to use. It recently launched Instant Action Alerts to enable customers to receive a low-balance alert on their mobile device and transfer funds from another account without logging into the mobile-banking app, explains Ravi Acharya, senior vice-president and head of digital for Chase's consumer bank.
If mobile is not online, tablets are not just large-screen smartphones. For one, tablets have different usage patterns, says Doug Brown, senior vice-president and general manager, FIS Mobile (FIS recently acquired mobile provider mFoundry). "Consumers use tablets as a 'second screen' while watching TV at home," he says. "They prefer to use apps that are designed for the form factor [size, shape] on the tablet."
Forget generic apps
To meet the needs of specific customer segments, Chase has launched several niche apps. My New Home mobile app guides would-be homeowners through the entire home-buying process, integrating real estate search capabilities with financing resources. Customers can record notes, photos, and videos about houses, calculate payments, and locate a Chase mortgage banker. Chase's Jot mobile app helps small-business owners keep track of receipts and track expenses.
Pittsburgh-based PNC Bank also offers specialty apps such as phone- and tablet-optimized apps for technologically inclined customers of the PNC Virtual Wallet, including a calendar view of in- and out-flows and the ability to allow customers to segregate funds for specific goals, reports Tom Trebilcock, vice-president of e-Business and Payments at the $305 billion-assets bank.
Bank of the West takes innovation seriously, and built an internal team to focus on what Finley calls "radical collaboration." The team engages all areas of the bank and seeks to educate its business partners on mobile possibilities to spur fresh thinking. "We look for innovation everywhere, not just at other banks," he says.
Don't be afraid to start over
Many banks have found that their mobile-banking offering is a "hairy mess," notes TowerGroup's Sturgill. "Everyone was focused on speed-to-market, and now banks have to take a step back and think about the best way to serve their customers."
Jacobi admits that Webster Bank's first offering in 2009 was not built for the long-haul, so the bank cut its initial mobile-banking vendor loose. "The second time around we wanted to make sure we were working with a partner who was sustainable, especially for such a critical customer-facing channel," he explains. The bank selected Clairmail (acquired by U.K.-based Monitise plc), and he notes that this current mobile iteration is "very successful."
Bank of the West also is on what Finley calls "mobile 2.0," a complete overhaul of the bank's original mobile-banking platform.
Van Dam notes that most of Fiserv's mobile-banking deals are renewals: banks throwing out what they built themselves or purchased from an upstart vendor, in favor of a mobile-banking platform designed for scalability and "upgradeability." He uses the analogy of buying an inexpensive, used guitar when first taking music lessons to ensure liking it before shelling out big bucks for a more advanced instrument.
NCR's Payments and Multichannel Vice-President and General Manager Steve Nogalo says banks need to consider whether or not their technology platform allows them to plan for the future. "What was good enough for a first-time offering is not sustainable." He continues, "Banks have recognized that the platform they currently have doesn't provide foundational capabilities to allow the bank to grow mobile as an 'omnichannel' and deliver cross-channel capabilities." Last year, NCR was endorsed by ABA's Corporation for American Banking for its Branch Transformation Solutions, a part of which addresses the need for such cross-channel capabilities.
FIS's Brown believes standalone mobile vendors have underrepresented the challenge, cost, and complexity of integrating mobile banking with other back-end banking systems. "The most successful mobile-banking deployments are implemented with a platform plan in mind. Integration makes a difference in speed-to-market, performance, and user experience," he says.
Kristen Ranking, SunTrust Mobile Channel manager, says that it's important to be flexible, noting that the $173 billion-assets bank changed its mobile roadmap to speed delivery of mobile RDC based on customer feedback.
Emphasize security
According to Fiserv's 2011 Consumer Trends Survey, 41% of respondents have not used mobile banking because they are concerned about the security of their financial data.
In it's briefing paper, "Breaking the mobile banking glass ceiling: Five factors will drive consumer adoption," Fiserv recommends that banks educate customers about mobile security by including security FAQs on their websites and providing assurance that customers have the same money-back guarantee they enjoy with online banking. Going one step further, banks should advise customers that they can elect to receive immediate text messages if there is account activity that may be unauthorized.
The mobile device can enhance security as well, says TowerGroup's Sturgill. "Use the mobile device to send out one-time passwords or activate/deactivate debit and credit cards," she says.
Banks have to be wary of going to the other extreme in which security is so cumbersome that it annoys customers, explains Sam Kilmer, vice-president of Market Development at Harland Financial Solutions. In addition, customers also have a great deal of confidence in banks, says Kilmer, and recognize that their banks will likely not hold them liable for any security breaches to their accounts.
Kilmer's associate, Nigel Prince, senior manager for Self-Service Channels, recommends banks take a cross-channel approach in which authentication experiences are the same at all touch points.
Integrate mobile into all other channels
Integrating mobile into other delivery channels goes beyond just ensuring that account transactions initiated in one channel are reflected in other channels. According to a study by Google and market researcher Ipsos, 46% of consumers that begin a banking activity on one device continue that activity on another device.
In fact, many banks are struggling with channel consistency between mobile and older channels since mobile has brought a new design paradigm and end user experience to customers, says Derik Sutton, director of Business Development, Computer Services, Inc. (CSI). He recommends that banks consider putting someone at the bank in charge of consistency and ensuring that each channel has a voice about customer delivery.
"Mobile...crosses the boundaries of the digital and physical worlds," adds NCR's Steve Nogalo.
Last June, NCR launched Mobile Cash Withdrawal that lets customers pre-stage ATM withdrawals from their mobile devices and scan a barcode at the ATM to withdraw money.
TD Bank, with $211 billion-assets, markets mobile banking through other channels. Montresa McMilian, senior vice-president and head of Financial Transactions Services Online Channel, says the bank displays quick response (QR) codes and a text message that allows customers to directly download the mobile-banking app to their device while in a TD Bank store.
Bank of the West is infusing mobile technology into its branches to integrate the digital and physical channels, installing "QR Bars" that provide tablet access in several branch lobbies, says Finley.
At Community & Southern Bank (CSB), a cross-channel strategy is foundational, notes Matt Hames, director of Enterprise Architecture at the three-year-old, $2.6 billion-assets metropolitan-Atlanta bank. CSB was a relatively late entrant to mobile banking, rolling out its first iteration in late 2012. Says Hames, "Mobile will continue to evolve, and while it won't replace other channels, it will likely become a preferred channel for most customers."
Banks are still evolving their cross-channel strategies, according to Accenture's Hickey. "Banks are unsure if they want to use mobile to drive traffic into branches or whether they want to encourage self-service with mobile. Neither strategy is right or wrong; it depends on the types of customers banks are pursuing, and how they want to engage with those customers," he explains.
Keep an eye on payments
Mobile payments and mobile wallets should be on the radar, and every bank executive should seek to understand the ramifications of different mobile-payment business models, advises FIS's Brown. "The payments space is being led by non-banks such as Google Wallet, Isis, and PayPal. As the mobile-wallet business model evolves, banks run the risk of disintermediation from their customers, becoming only a funding source and missing out on revenue drivers," warns Brown.
Sutton agrees that banks should remain vigilant about payment trends but that it's still too risky for community banks to invest in a new payment platform. "The Visa and MasterCards of the world will drive payments for community banks and we haven't yet seen what they will do," says Sutton.
Although most consumers are using mobile banking to view account balances, TowerGroup predicts usage will shift once a mobile-payments standard emerges, estimating that mobile payments will grow at a 57% compound annual growth rate.
Lisa Stanton, executive vice-president of Payments, Monitise, calls 2013 "the year of mobile commerce." "Consumers are comfortable with using mobile, so this is a great opportunity for banks to augment payments with the commerce side of the equation, and bringing merchants and consumers together."
Jeff Dennes, head of Digital for SunTrust, notes that mobile payments comprise a large ecosystem, and banks need to be ready to jump in when appropriate. "There's a lot of innovation happening and banks are going to want to get in the middle of that ecosystem sooner rather than later," says Dennes.
(ABA recently formed an Emerging Payments Advisory Group to identify policy trends, risks, and opportunities in the changing payments environment.)
Bottom line: Put mobile first
When it comes to mobile, the customer comes first, advises Chase's Acharya. "It's all about creating options for the customer. If you put customers first, then you build mobile features and functions that make it easy for customers to do business, regardless of the channel they choose."
"I can foresee a day when customers prefer the mobile channel for bank interactions," says NCR's Nogalo. "We've seen the first mobile battles, but the war has only just begun in how banks will harness mobile to grow their business."


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Welcome to our Online Insurance Guide! Whether you're a patient, family member or medical professional, you will find tools and materials that allow you to advocate for timely access to affordable treatment. Use these resources to learn about insurance, troubleshoot insurance problems and connect with other patients who have overcome their own insurance challenges. Or, get involved and inspire others by sharing your personal story.
The PH Insurance Mission: Preparing for a Successful Insurance Campaign webinar is available on PHA Classroom.
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Explore Indiana's planes, trains and automobiles on a family road trip.
Allow 2-3 days.
Explore Northern Indiana's transportation and motorsports history at museums, manufacturing plants and diners. Motor into the past Relive the history of automobiles in the northern part of Indiana. The Studebaker National Museum in South Bend is a hidden treasure downtown where you can experience the birthplace of the brand, learn about the Studebaker brothers and see cars that date back to the early 1900s. For a different type of automotive history, head east to Elkhart to tour the RV/MH Hall of Fame and Museum and trace the progression of the RV industry from the 1920s to the present. In the Founders Hall, take a step back in time and peek into various styles of early motor homes to see what life on the road was like in the middle of the twentieth century. Steam into railroad country Take a break from riding in the car to enjoy an older form of transportation in Fort Wayne . Get a glimpse into the history of rail travel at Baker Street Station , opened in 1914. Admire the breathtaking architecture and stand on the platform where Hoosiers listened to Franklin D. Roosevelt and other presidential candidates give whistle-stop campaign speeches. Across town, see the trains that once rode these rails at the Fort Wayne Railroad Historical Society . Get a close view of the engines or make a reservation to be an Engineer for an Hour and learn the art of locomotive operation. Zoom back to the present Complete your tour by experiencing the power and construction of today's cars. Head southwest from Fort Wayne to the Kokomo Speedway for a family-oriented racing atmosphere. Catch a street stock or sprint car race, cheer on your favorite driver and enjoy their post-race fireworks. West of Kokomo, the Subaru of Indiana plant in Lafayette offers free tours (by appointment) of the manufacturing process. Watch as workers create parts, assemble bodies, paint cars and test new vehicles for safety and quality. Then, fill up your tanks with a juicy burger and creamy root beer at Lafayette's Dog 'n Suds Drive-In . Like this trip idea? Then you also might like Outdoor Adventure along US 50/150.
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NEWS 8 Report It Photo of the Day:
Sunrise over the Quinnipiac River in Fair Haven.
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Report It photos and videos are sent in by users like you! Send us your photos and videos by e-mailing them to email@example.com. You can also send them via our mobile app, or by filling out this online form.


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Audience Suite Benefits
A complete picture of your most valuable audiences.
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Great hat. Great fitting and wicks away moisture very well. Completely satisfied
On the water or up the trail, our lightweight, synthetic 5-panel hat is a summer necessity. Quick drying and sun-protective, it's made with water resistant polyester, and wicks sweat with a soft mesh headband. Adjust your fit with the hook and loop closure.
• Merrell Opti-Wick™ fabric transfers moisture away from your skin
and dries quickly to keep you comfortable
• 100 % polyester
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• DWR finish sheds moisture from precipitation
5-Panel hat conforms well to head • Water resistant • Soft, lightweight fabric •. Hook and loop closure for personal fit • Polyester mesh wicking headband • 2.3/4" brim • Printed MDot logo
One size
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Sized as Expected


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Power Equipment / Lawnmowers
Honda HRX Lawnmower Press Kit - General Overview
In order to meet or exceed customer expectation, Honda engineers strive for continuous improvement - providing new and innovative features to improve its products. When the experts at Honda realized that an increasing number of lawnmower users desire the ability to bag a portion of the lawn clippings while also mulching the remaining quantity, the design began for a revolutionary model incorporating this feature.
Unlike existing models that can bag and mulch only when parts are removed and appendages changed, Honda's new HRX™ lawnmower line is designed with the Versamow™ System allowing for the first time the simultaneous action of bagging and mulching grass clippings. This unique system easily enables concurrent distribution of clippings to both the bag and the ground.
The high performance Honda HRX™ lawnmower series is designed to:
- attain best-in-class performance in both mulching and bagging modes (this normally requires two separate models, each designed for the respective purpose).
- increase the convenience for the user to convert between mulching and bagging modes without the use of any tools or the removal of any equipment.
- provide new functionality by allowing a partial mulch/bag operation that allows the user to choose what percentage of grass clippings are mulched or bagged.
- improve bagging performance by increasing the distance the operator can mow between bag cleanings, while maintaining the high grooming standards that homeowners - and their neighbors - demand.
HRX At a Glance
Honda Exclusives
- Versamow™ System
- Xenoy® Deck
- Roto-Stop® Blade Clutch
- Cruise Control (Hydrostatic Transmission)
- MicroCut™ Twin Blade (formerly QuadraCut™)
- Honda Brand Value with Honda engineered components
- The only mower with "4-in-1 in the box". The HRX can mulch, bag, discharge and shred leaves without the purchase of any additional parts.
Cutting Heights
- 7 cutting height positions
- Range is from .75 - 4.0 inches (This is a 1" increase over the HRB217 Harmony Series lawnmower models.
- Longer wheel base increases balance with full bag
Twin Blades
- Offset for an improved cut performance
- Blade location produces increased cutting performance. Blade is designed to operate closer to the deck. The design and rigidity of the Xenoy deck allows this feature.
- 9" wheels feature increased tread depth
- Increased traction
- Smoother ride on rough ground
- New one-piece handlebar allows for easier set-up - merely unfold and tighten knobs
- Easier to remove and install bag
- 1" tubing the same size as Honda's best commercial mower
- Improved bolt and knob. The bolt features a retainer that holds it in place so that it won't dislodge during operation, and the knob has a nylock insert. The result is no more lost parts during operation.
- No tools necessary to unfold or break down
- Easy starting with starter grip on the handlebar
- The HRX is designed, manufactured and marketed by Honda, ranked by Fortune Magazine in 2001 as the 21st most valuable brand in the world.
Collecting grass clippings into mower bag for disposal.
Clip Director™
Knob on HRX that directs grass clippings to be mulched or bagged for composting or disposal. Allows for any combination of the two systems.
Cruise Control
Honda's HRX features a Hydrostatic Transmission that allows infinite speed control for a comfortable level between 0 to 4 mph, while producing an excellent cut.
Honda's DuaLube™ System achieves full engine lubrication by combining governor slinger paddles and an oil-bearing timing belt.
ErgoActive™ Handle
Honda's handles are designed for user safety and convenience, offering easy-to-access controls that make the mower comfortable to use.
Four Stroke Engine Technology
Four-Stroke refers to the four strokes of movement by the piston inside the engine (intake, compression, power, exhaust)
Engine featured on the HRX. This four-stroke engine features an internal timing belt that results in quieter overall operation. An overhead cam layout, along with lightweight and durable uniblock construction, creates a lighter and more compact package than anything else in the class, delivering excellent power-to-weight ratio. This easy start engine delivers 6.5 hp.
Leaf Shredder
This is an attachment that makes easy work of Spring and Fall cleanup by chopping up the leaves while mowing.
Mulching or Grasscycling
Leaving grass clippings small enough to fall through the turfgrass to the soil while mowing. This allows nutrients to return to the soil and diverts grass clippings, the largest component of yard waste, away from landfills.
The twin-blade Honda MicroCut™ System uses four cutting surfaces to cut grass into tiny pieces that quickly decompose and add nutrients to a lawn. This special design is only offered by Honda, and it produces finer clippings for superior mulching: finer clippings decompose more quickly and fertilize the grass. The MicroCut System also provides for superior bagging: finer clippings take up less volume, so the bag fills up less often.
Rear Discharge
Rear discharge lawnmowers channel the clippings to the bag in the rear of the mower deck.
There is no need to restart the engine every time the operator steps away from the mower. This feature allows the operator to easily disengage the blade while keeping the engine running. The user can empty the bag, move debris or toys out of the way or drive over sidewalks without having to stop, and then restart, the engine.
The Versamow™ System allows for maximum mowing performance and flexibility, affording the HRX user to select either the bagging or mulching configuration - or any combination of the two - by easily rotating the Clip Director. This option provides a revolutionary level of control while mowing, achieved without having to remove or replace any parts or use any tools.
Xenoy® Deck
Honda is a user of Xenoy® for lawnmower decks. Auto manufacturers use Xenoy® for car bodies and bumpers. Honda uses it in many of its mower decks to offer the ultimate in durability. Xenoy® is rust-free and comes with a five year limited warranty - just on the deck itself.
(Xenoy® is a registered trademark of General Electric Corporation).


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Flamenco and tapas are best when accompanied by a savory glass of Andalucia's own famous sherry.
With Spain touting more vineyard acreage than anywhere in the world, this southwestern Spanish province accordingly produces an array of fine wines but is most renowned for its dry to sweet amber sherry.
Most tours in the region start off in Seville and head to Jerez de Frontera (the sherry capital of the world) where you'll learn the ins and outs of wine making and how varietals like vinegar and Jerez brandy are produced, and, of course, get to taste some quality selections.
After exploring the vineyards, sample Spain's finest at a traditional wine bar, better known as a bodega, where barrels of wine are stacked on multicolored tile floors and links of sausage and herbs hang from wooden beams.
Here, you can spend afternoons nibbling on salty olives, snacking on delicious tapas, all the while sampling glass after glass of fragrant sherry.
The Cape's striking wine country, just 45 minutes northeast of Cape Town, in South Africa (the seventh-largest wine-producing country in the world), comprises some 417 square miles of vineyards.
In addition to world-class wineries such as the Bergkelder, famous for its subterranean cellar in the mountain, you can indulge your palate at world-class restaurants like Bosman's at the Grand Roche Hotel, in Paarl.
Tour organizers can plan day trips from Cape Town into the heart of the area, taking in craggy mountain ranges, lush vineyards, and Cape Dutch homesteads, and perhaps a visit to the historic town of Stellenbosch, the second-oldest European settlement in South Africa.
Go in the summer to witness the wine harvest and note that South Africa's seasons are opposite those in North America.
Northern California's neighboring Napa and Sonoma valleys, situated just north of San Francisco, have astounded in-the-know grape tasters the world over with the consistent quality and diverse appellations turned out by the more than 200 wineries that operate in each of these two wine country regions.
The largest wine-producing area in the U.S., wine-tasting tourism in Napa and Sonoma has exploded in recent years, having been particularly bolstered by the release of the popular film Sideways (2004), which showcased California's Santa Barbara Wine Country.
The appeal is obvious — small, family-owned, boutique wineries are neatly tucked away in the scenic rolling vineyards — discovered only by curious visitors who come for sampling of their
sublimely flavored vintages.
A series of quaint towns feature eclectic shops, haute-cuisine restaurants, superb spas, and charming inns, providing welcomed diversions for travelers in between grape tastes.
Don't miss out on the quintessential local activity of hot-air ballooning — offering an opportunity to appreciate the valleys' fresh country air, romantic lifestyle, and extraordinary scenery in all of its glory.
As harvest season unfolds in the northern hemisphere, spring is in full swing Down Under — marking the start of a new winemaking season in these spectacular rolling vineyards just two-hours north
of Sydney.
Thriving with first-rate vintages and over 100 wineries, this South Wales valley offers an incredible variety of shops and restaurants, many of them overlooking verdant vineyards, to make it one of the most attractive and visited wine regions in Australia.
Many tours depart from Sydney and include horse-drawn carriage rides, boutique wine tastings, and a picnic lunch, making for the perfect country interlude after an urban escape.
You can also sample local cheeses churned out by valley cheese makers and frothier beverages, like popular ginger beer, also produced by local breweries.
A fairytale vin-tasting adventure awaits in the vineyard-bordered castle country of France's Loire Valley — arguably the most beautiful wine region in the world.
For lovers of fine wine and all finer things in life, one would be hard-pressed to uncover a setting as exquisite as the famed, fertile valley of the sinuous Loire River, a place seeped in rich history from regal chateaux to its long viticultural tradition.
Situated just on the western boundaries of Paris, the area is blessed with a gentle climate and rich soil, allowing for the production of diverse appellations with vast degrees of character.
While the Loire's numerous vineyards are most famous for their production of white wine (accounting for 75% of the wine produced here) such as Sauvignon Blanc, Muscadet, and Chenin Blanc, some delightful,
fruity and pleasant reds such as Cabernet Franc can be enjoyed here, as well.
The excitement of the senses stretches far beyond the palate, too, as wine tours can be combined with hiking, bicycling, or hot air ballooning through the scenic countryside, and visits to some of the area's most awe-inspiring chateaux, of which two particular jaw-droppers are Chambord and Chenonceau.
As Argentina's wines increase in popularity, so does travel to the country's wine-producing provinces, and particularly that of Mendoza, where, in addition to flourishing vineyards nestled in the
foothills of the snow-capped Andes (the highest peak on the continent), this northwestern region also touts nature reserves, alpine ski resorts, and a picturesque city.
Surprisingly, the sweet grapes that grow here come from harsh desert land that flourishes
thanks to extensive, centuries-old irrigation canals created by the Incas.
Various bodegas are scattered throughout and offer free tours and tastings (open weekdays only). Visit during Vendimia, the annual harvest festival, which kicks off in January and boasts folkloric celebrations, grape-blessing ceremonies, and plenty of other merry events — all of which culminate on the first Saturday in March.
Wine aficionados should follow the Ruta de los Vinos (Route of the Wines) where you can vineyard hop, visit ancient cellars, museums, and sip excellent selections.
The Niagara Region (in Ontario) and the Niagara Frontier (in New York) together compose a picturesque wine-producing area whose geologic features from the Great Lakes of Ontario and Erie to the Niagara Escarpment (a 1675-ft high ridge) make not only for wondrous scenery, but have helped foster superb conditions for year-round grape-growing.
Moderate temperatures and rich soils allow dozens of wineries to turn out an excellent variety of
vinefera grape harvests each year, from Chardonnay to Riesling to Pinot Noir and Cabernet Franc.
The region's biggest claim to fame, however, is its icewine, a delicious, intensely flavored
wine created from grapes harvested after the first winter frost — the region is one of the only wine-producing regions in the world to produce the coveted product with such consistency and quality.
Ontario's Wine Route on the Canadian side of the region, or the Niagara Wine Trail, on the US side, each offer an excellent opportunity to tour the vineyards and taste the region's award-winning wines.
We recommend basing a Niagara wine country trip in the quaint town of Niagara-on-the-Lake, where charming bed & breakfasts, boutiques, restaurants, and shops will keep you happily occupied
when not tasting the grapes — plus, it's only a half-hour drive from Niagara Falls.
While Oregon's southerly California neighbor may get all of the glory when it comes to wine-making, that's not to say that Oregon doesn't produce equally glorious wines in its own right.
In fact, many speculate that, if it weren't for the state's more longstanding stint with Prohibition, the region today would be the de facto forerunner in the U.S. industry!
All the same, Oregon presently lays claim to close to 320 wineries, which turn out more
than 40 varieties including Pinot Noir, Chardonnay, Merlot, Riesling, Syrah, and many others.
The Willamette Valley is the state's thriving center (and the largest region), luring
connoisseurs with its internationally acclaimed Pinot Noir and plethora of charming wineries that occupy some 100 scenic miles between Portland and Eugene.
This picturesque valley is a great place to ponder the pioneers who were lured this way via the Oregon Trail while enjoying some fantastic local wine on an impromptu picnic lunch or a hot-air balloon ride.
We recommend basing your stay in Dundee or McMinnville, where good restaurants and quality inns abound.
Portugal's newest must-visit destination, Porto's biggest claim to fame is the sweet fortified wine that bears its name and gave it an international reputation (and lasting export).
The stuff has been aged here for centuries, in nearby Vila Nova de Gaia — an area easily reachable by a ten-minute walk across Ponte Dom Luis I — where some 50 traditional port lodges offer intoxicating samplings and tours.
Set aside an afternoon for some sampling of the renowned Sandeman label's wares — the distillery was founded back in 1790 and housed in a former convent — or, for a less touristy experience, head to Taylor, Fladgate & Yeatman, a wonderfully atmospheric lodge that's been around since 1692 and features some top-notch vintage brands.
If you still want to know more about Port, and have the time to spare, you can also take a day-long cruise to the Douro Valley — Porto's equivalent of Napa — where the vineyards that produce Porto grapes are found.
Rolling hillsides swathed in rows upon rows of emerald vines, idyllic farmhouses flanked by tall cypress trees, and hilltop medieval castles — the Tuscan countryside is always a spectacular sight, never mind the source of plenty of premium vino!
For a romantic rendezvous or an enlightening vineyard tour, Italy's best known wine region is divine, especially during the autumn harvest season when you can really get in on the grape-stomping action and
taste the fruits of your labor.
The highlight of the area is no doubt Chianti, Italy's most famous and arguably most beautiful wine district.
Bordered by the suburbs of Florence to the north and by the city of Siena to the south, Chianti is decked out in gothic bastions, olive groves, and 10,000 acres of sprawling vineyards, all in the shadow of protective mountains.


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The Stratford Shakespeare Festival has a new website, and the page you requested is no longer available. Please accept our apologies for any inconvenience.
However, we're sure you'll find the information you're looking for on our new site. We've made it much easier to navigate, and we've introduced great new features, including interactive seating plans that show you the view from every part of the auditorium.
So please come in and take a look around – just follow the links above.


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As you know that Admit Card or the Hall Ticket is the compulsory thing to get entrance in Exam Hall without the admit card or the Hall ticket no candidates are allowed to get the admission in the examination Hall.
So it is requested to the entire student to download their admit card or hall ticket. We have provided the links over here.
IGNOU PGDDM Exam will be commencing from 01st June till 31st June 2014. Some IGNOU PGDDM Subjects will held in morning timing and some will be held in evening timing All the details regarding the venue of the examination or roll number are mentioned on the Hall Ticket or the Admit card.


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Gifts that give back! For vegans and beyond! »
That's right errrybody, a Vegansaurus Gifts That Give Back list! Because there is nothing like secretly imposing your values on others! I think I've got something for everyone on here. I'm kind of known for being the best gift-giver in the world so you're pretty lucky I'm here. Now, it's not as easy to recommend stuff for strangers but I found some good presents. Let's do this!
First up, this is a present for your fashionable dog-lover. What? Why, yes, I guess that does describe me very well! And I can assure you I would love to get this:
This is the "found my animal" set and it's available at Uncommongoods.com and on the manufacturer's site. It celebrates all the adopted pups out there! Totally leather-free, each leash has a little brass tag with a number on it, counting your dog among the league of the proud rescue dogs. They have super-cute harnesses on their site too, all totally cotton. The best part, 25 percent of their profits go to the Louis Animal Foundation. Awesome!
Now for the "foodie" ("foodie" is like more stigmatized than "hipster" in my mind) or tea-lover, Douglas Fir tea! You can purchase the tea from my favorite vegan sneaker company, Keep! Made by the Juniper Ridge, 10 percent of sales go toward "protecting the western wilderness." Ha! You thought I was only going to do animal charities, didn't you! Well, guess what: lots of animals live in the wilderness so it's important to protect our environment, too! Plus, I know lots of people that care about the environment and don't care about animals so they will like the extra benefit from the gift and not know that you are secretly supporting the vegan agenda. Ha! Ha-ha!
Above we have a nice gift set from Aveda. Toiletry gift sets rule. I said it. Plus with this set, you get a little tagua nut accessory, sustainably made by women in Colombia: "Aveda's alliance with indigenous people and women artisans in Colombia helps support BETTER FUTURES FOR 400 FAMILIES, and helps PRESERVE 400 RAINFOREST ACRES." Dope!
For the bambino in your life, here's a super great gorilla from miYim:
A portion of the proceeds go to everyone's favorite ape-woman, the Jane Goodall Institute. I'm really into the description of the stuffed animal: "…this thoughtful and realistic looking Gorilla…" Does he look thoughtful? Or realistic? Doesn't realistic mean we'd see his frank and beans?
Here's another good gift for kids or a family:
The Mission: China board game, available at Amazon, is all about endangered animals! Plus, a portion of the proceeds go to Conservation International. I will admit that I totally enjoy playing board games with my family on holidays. Don't tell anyone!
Now this next thing, I'm totally into:
A wildlife habitat kit! Awesome! Perfect for the gardener or just I guess anyone with a house or backyard. It's available from the National Wildlife Federation. So cool! Shut up, it is cool.
For my next trick, candles that give back!:
With Jimmy's candles, five dollars from every candle goes toward charity. You get to pick the charity from a list that includes Paws SF and the ASPCA, so that rules. I know candles aren't the most exciting thing ever but you can kind of give them to anyone and they are actually useful, unlike 90 percent of presents. Oh! And all the candles are soy. Shweet.
OK, OK, this list is getting long! I will leave you with one final idea:
OK that's two but they are from the same place! This is the Treahouse crossbody and the Mend messenger from the Mend collection and they benefit Invisible Children. See, I don't only care about animals! I care about kids too. But that's where I draw the line! Kids and animals. They are innocent and we should take care of them. Plus, these bags are FLY! Come on, you know I'm right.
There you have it! A nice list if I do say so myself. Happy holidays!
∞ posted at 11:21 by youtalkfunny


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The 10 Coolest Real-Life Instagram Displays
I printed a photo the other day. I needed a baby photo of myself for a baby shower game, but being without ink or photo paper at home, I actually took my digital photos to a drug store and ordered prints. It was a strange exercise in nostalgia, but I actually enjoyed having hardcopy prints to show and share for once.
So I'm officially encouraging those close to me (which includes all of you lovely readers) to take on a project this weekend. Take your myriad of life-journaling Instagram photos offline and print them out. Whether you do it at home or at a photo center (if you can find one), you'll enjoy having a display of your life spread out at home for all to see.
Here's a few real-life rooms from around the web for inspiration:
• A wall of prints leveled and hung with painter's tape, from A Beautiful Mess.
• A small array hung with beading string and binder clips from MacLife.
• 365 different Instagram photos can fit in the InstaCanvas from Design Aglow (buy it here, $65).
• Bulldog clips, glued onto pieces of stained wood, can hold up prints and easily switch them out, from Bloom and Inspire.
• Prints were hot-glued in a grid onto 4 stretched canvases, in this photo from Under the Red Umbrella.
• Clothespins keep small prints set up inside an empty frame, from Life's Little Moments.
• Mini-clothespins and an empty frame again, this time painted with a pop of bright blue, from Good Willionaire.
• And finally, three real-life rooms submitted to the gallery of Canvas Pop, a website where you can print your online photos onto stretched canvas.
(Images: As credited above)
14 Comments
Ugh, another instagram display post? Sorry to be a hater, but I'm kind of bored with this now.
This is a great idea! I recently found myself at a drug store converting some of my children's photos into black and white for mere pennies - and this collection is now my favorite part of my room.
Besides, I've lost many irreplaceable photos through various technological meltdowns and its heartbreaking.
Design Aglow's InstaCanvas would make a fantastic gift. Maybe a gift to me!
Not a big fan of the instagram look, but B&W photos, oh yeah. However, I'd rather find interesting photos that aren't all of ME though for a wall display.
I ordered a ton of instagram photos from Social Print Studio for a wall display for my kitchen and they're supposed to arrive today. This post couldn't be better timed!
The instagram pics I chose are not of me-- mainly photos of travel, my dog, pretty food shots, etc. I'm looking forward to seeing my photos in prints and it will be fun to have them displayed all in one place.
That last one's decor is fantastic! Clearly masculine without being too sharp. the B&W photos work so perfectly.
Good timing on this post. I have some questions for readers as I'm in the midst of amassing photos of my granddaughter's paintings for a little gallery. My plan is to Mod Podge them onto pre-stretched canvas so the texture shows through (I assume printing onto common printer paper would work best), then slather on the Mod Podge over top. Does anyone have experience with this? I'd rather do this than do it online with Canvas Pop, for instance...I want a bit more control and the fun of experimenting. Comments?
Mod podge can/does have a tendency to stretch paper and wrinkle it if you're not careful. For some things this might look great, but others, not so much. It's going to depend on the thickness of the photo paper whether the texture shows through or not.
See my comment below
Are there good online print services anyone could recommend, for Instagram or other photos?
I used Printstagram and LOVE it!
Have thought about doing this on a large scale, but who really wants to look at 'other people's pics' much more than just above or just below eye level; if at all. As for myself, content to keep that many on my computer if I need to see them. The last two; ok, the rest, nuh uh. Thanks for stopping me from going ahead and doing this.
Thanks for this post. We're starting a new project at work called 'Faces of Pride', and this will be a great way to get folks to submit their photos for the project
I used Static Pixels to create some wonderful wall art.
Hey my name is Laura and I have recently started blogging about tips on how to display printed Instagram photos for Printicular! All these ideas that you have shared are are awesome display options and haven given me Inspiration to blog about! Thanks for sharing as I want people to get the most out of printing their Instagram photos!


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does the jaguar recurve have a threaded insert to mount arrow rest because mine does not
does the jaguar recurve have a threaded insert to mount arrow rest because mine does not
I think one thread should be enough. More threads will not lead to a faster answer from anyone here.
As i can tell from the pictures the bow should have a threaded hole for an arrow rest. Maybe it even has the slot where a rest can be inserted and you are able to slide it forth and back.
You may post a picture for clarification.
(2) Hoyt PCEXL
If they are like the older Martins with the lock mount set up there's is a nut/bushing that slides into the hole in the riser.
bow has a slotted area where rest should mount. it came with what i think is a martin jet rest it has two nuts. but when you try and mount it you cant tighten it down tight were it will hold because the nuts are just barely as wide as slot. thats why i wonder if i was missing a part. sorry for so many threads im new to the forum!!


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Yesterday Casey and I checked out the ice on Shediac Bay to see if it was ready for some ice fishing. It was a beautiful day and there was no water or snow on the ice so we headed back today for a little ice fishing to catch some for supper.
The temperature was about 2C and foggy but no wind to speak of so it was fairly comfortable sitting out on the ice. I had a big cooler to sit on. I like taking it because it allows me to just drag all my stuff out there instead of carrying it all.
Here is a picture of what it looked like yesterday.
Today It Was A Foggy Day
Straight out from where these guys are ice fishing is land. I think it's a couple of Kilometers away but quite visible on a clear day. Parts of today it was mostly visible and then in a matter of minutes it would disappear again.
A couple of times it got so foggy we could barely see the shoreline behind us. Of course we were never in any danger of getting lost.
During the fog we learned something we never knew which is the fact there is an island before the shore on the opposite side. When the fog rolled in thicker and thicker we saw the main land start to vanish but there was still a chuck of land that wasn't fogged in. That was pretty cool.
Here is a picture of the island. If you look close you can still see the other side just a little darker than the fog.. There is also a group of seagulls sitting on the ice making plans to steal our smelt once we had enough to satisfy them all.
Well we used Casey's auger to drill the hole we would fish through. I drilled my about 6 feet away from his so that we could talk without yelling as sound carries for a long way across the ice. We could hear guys talking but we could barely see them outside their fish hut.
We rigged up for smelt and started fishing. Casey started with two at once and then one after the other while I was doing nothing. Had a couple of strikes but didn't stay on. Casey gave me one of his rigs and when I checked it against mine I noticed the one I bought had hooks twice the size of those he had. Finally I caught a smelt.
Casey already had 11 smelt before I got my first one but from that point on I was catching them too. I even caught the biggest smelt of the day.
There was a group of guys fishing a short distance away and they had so many holes drilled in the ice we half expected the whole bunch of them to drop in the drink.
Seriously though the ice was plenty thick enough for all the holes they had. They've been doing this for their entire lives and live right there. In a cartoon they would have gone down I'm sure.
When we got back to Moncton the fog had lifted but the taller buildings and the NBTel Tower still had their heads in the fog. I tried to get a shot of it but the way we came into Moncton there was always something in front of it.


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FLASHBACK: Bruce Springsteen Releases 'Live 1975/85' And 'Tracks' Box Set
Friday, November 9, 2012
It was 26 years ago Sunday (November 10th, 1986) that Bruce Springsteen & The E Street Band released their 40-track, five-record, set Live 1975/85. The album spanned the group's touring career from their 1975 Roxy Theatre performance in Los Angeles, to the sold-out stadium dates of the then-recent Born In The U.S.A. world tour. In addition to the five LP's, Live 1975/85 was also issued as a three cassette and three CD set. The album -- which was the first to give the E Street Band equal billing -- shipped platinum with advance orders for over 1.5 million copies. Live 1975/85 became the first album since Stevie Wonder's 1976 set Songs In The Key Of Life to debut at Number One.
The album wasn't without controversy, with fans objecting to the mix, which had triggered drum sounds for aural consistency and a mid-'80s sameness throughout -- despite the band's evolving sound which was recorded at a variety of different venues. Fans also had a problem with some of the tunes being truncated after hearing the uncut performances on bootleg. The fact that most of the performances sprang from Springsteen's New Jersey or Los Angeles runs particularly rankled fans who were aware that some of the band's hottest shows weren't all hometown gigs. Many complained at the time that the set was top heavy with live versions of the mammoth Born In The U.S.A tracks -- which had already reached saturation airplay since it's June 1984 release.
The album spawned two singles -- a cover of Edwin Starr's 1970 hit "War" which hit Number Eight and Springsteen's first release of "Fire" -- which the Pointer Sisters brought to the Top 10 in 1978. The single flopped, reaching only Number 46 and broke "The Boss'" string of eight straight Top 10 hits.
Springsteen explained that hitting the stage primed to excite and entertain is a huge part of what great live music is about: "It's the 'showtime' -- y'know, I think people are frightened of the word 'show' sometimes, but that's what it is. And also, I think it's perceived when you say 'show' for some reason, it gets mixed up with the idea that it's false. But really, it's just a series of tools that allow you to communicate what you're trying to say to the audience, y'know? It's a bridge to the audience when employed correctly. And I love all my favorite entertainers -- they were serious, they were clowns, and they did all kinds of -- they were showmen, and that's just a part of our background. And it was essential when you played in a lot of bars in New Jersey where the audiences could be hostile."
On November 10th, 1998 -- 12 years to the day of Live 1975/85's release -- Springsteen released his career-spanning outtakes collection Tracks. The 66-track, four-disc set included selections from his 1972 artist audition for Columbia Records, outtakes from nearly all his albums, and a smattering of rare B-sides. Tracks peaked at Number 27 on the Billboard 200 album charts.
Following the release, Springsteen and the reunited E Street Band hit the road for their first tour in over a decade.
Springsteen told us that after the E Street Band's first reunion tour in 1999 and 2000, he felt that it was important to reactivate the band on a semi-permanent level. Since then the band has played shows during eight of the past dozen years: "To go through the year-and-a-quarter, or whatever it was that we did, and to come out the other side with the band, I felt the band was more powerful than ever. And to have sort of re-found the band in the present -- y'know, 'This is a job we have to continue to do, y'know, and there's a job to be done' -- and then, also, to feel the way that the band changes the way that I work. Y'know, internally, the songs that I write, they affect the way that those songs take shape, and the way that I present those songs to my audience."
Making good once again on the 12-year box set cycle, on November 16th, 2010 Springsteen released his third multi disc archival collection, The Promise: The 'Darkness On The Edge Of Town' Story box set.
The collection features the first remastered version of the Darkness album, along with two CD's of previously unreleased outtakes, an 80-page notebook, three DVD's -- featuring The Promise: The Making Of 'Darkness On The Edge Of Town' documentary; a private 2009 E Street Band performance of the Darkness album in it's entirety; various footage of Springsteen in concert and rehearsal with the band from 1976, '77, and '78; and the full in-concert video feed of the December 8th, 1978 concert at Houston's The Summit.
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New Buyer Needs Help, Any and all help appreciated
New Buyer Needs Help, Any and all help appreciated
Aug 5 2012, 08:38 AM
Post #1
Group: Moderated
Posts: 3
Joined: 5-August 12
Member No.: 72746
I'm starting my search for an RV and would appreciate as much help as possible. I'm not a total novice but for ease assume I am. I plan to live in it year round. I'm looking for a class A or C toy hauler, used, under $100k. I want to be able to modify the living area easily. My questions: gas or diesel, brand, what to avoid as well as look for, must have features, minimum length, etc. Basically anything you can think of.
Aug 5 2012, 12:31 PM
Post #2
Advanced Member
Group: Members
Posts: 1116
Joined: 4-November 07
From: On the road.
Member No.: 17719
Welcome to this site Solo!
Give us some ideas as to how you plan to live and travel in your rig. For example, will you migrate with the seasons or with your vocation, to parks you already know well? Or will you do some exploring along the way?
If you already know your destinations and their amenities: strong reliable Wi-Fi, good cable TV, etc., then perhaps you can forego some of that technology in your traveling home.
We are still newby's compared to some on this forum, but am SO GLAD we invested in an Aircard (Verizon to accompany our cell phones). OMG you cannot believe how many folks complain about Wi-Fi reception when they post reviews. It's a non-issue for us.
Second, we took the Directv box from our stick home and had it attached to the rig's dish, when we purchased. Eliminates angst when overnighting or when settling in for a couple days at a nice park. We just make sure there is a clear shot at the southern sky to receive a signal. No dissappointments with a park's lack of TV coverage for whatever reason.
Just those two pieces of technology (Aircard and DirecTV) give us mass freedom. Fire up the generator in the middle of an Iowa field, and we can access all the civilization we can handle!
Am hardly an expert in rigs, however we have discovered (over 5 years on the road) that smaller is better. We both sigh wistfully at some magnificently longer rigs, but then listen to their owners vent frustration at not being able to get their 40-footer into, around, or back out of older parks. Forget about most state/federal campgrounds.
We ususally do not need to make reservations for our overnights, as our 32 foot coach fits into just about any space in a park. We tow a small car, and yes, I try to get pull-through spot when we are overnighting. Have much better chance at not-unhooking, the shorter you are.
Do not be afraid of slide-outs, especially if you chose a newer model coach.
Do opt for automatic levelers. Especially as a solo flyer.
Just know that toy hauler rigs are excluded from some nicer, higher end RV parks.
You may never want to purchase a lot in said parks, but you automatically eliminate yourself from renting in some magnificent areas of this country, if your rig is TOO short (under 32 feet) or a toyhauler.
Am confident others will chime in here. The most important thing is to get yourself free, and on the road! Enjoy!
Aug 5 2012, 01:16 PM
Post #3
Group: Moderated
Posts: 3
Joined: 5-August 12
Member No.: 72746
I have no plans other than going where I want to go when I wake up so it's exploring most of the way for now. I'm 55 and disabled with a progressive disease and want to see American while I can. I figure I will stay in national parks as often as possible (I know, reservations), staying for days/weeks and riding my Harley to enjoy the area. I'm sure I will plan more as I get going. There are days when my health will keep me from moving so WiFi and direct TV are a must. I'll also be weather restricted so winters will be in warm locales and I'll return to the Dallas area every 2-3 months for a few days to see grand kids and doctors. There may be times that I travel with a friend for a week or two so that is also a consideration. I'm sure I'll have many other questions in the future but buying is my focus right now. Hope that helps.
Aug 5 2012, 02:39 PM
Post #4
Advanced Member
Group: Members
Posts: 1116
Joined: 4-November 07
From: On the road.
Member No.: 17719
|B. Kidd
Aug 5 2012, 05:19 PM
Post #5
Advanced Member
Group: Members
Posts: 69
Joined: 17-April 11
From: Nevada
Member No.: 55883
A class-C toy hauler would seem to be the ticket for you, especially having a 'bike' and a progressive disease (and good luck with that!).
I agree w/Foster that smaller is better and other advice he gave you, especially concerning automatic levelers. If you find a used class-C that does not come with them, no problem. HWH levelers work just fine on my 2005 32 ft. Tioga which I added on after-market.
Aug 6 2012, 11:27 AM
Post #6
Group: Moderated
Posts: 3
Joined: 5-August 12
Member No.: 72746
So if I get this right I should be looking for a Class C, longer than 32ft but shorter than 40ft. I was leaning C so that's reassuring.
I've read some regarding diesel and gas. It appears diesel is a better way to go. Yes/no?
About the tailgate on a toy hauler, is it better to have a "lift" type gate or a ramp? I'm thinking lift is better. Comments?
Can someone give me an estimate of monthly costs excluding gas, i.e. lot rental, insurance, basic upkeep, etc. ?
About buying. Is there a particular state or city that is going to offer the best prices. So good that it's worth riding there to buy it and driving back. Florida? Texas? Cali?
Thanks for all the help.


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Hi guys,
Been a Mathews guy for years however I've decided to give Martin a try. I am really struggling with which bow to go with though. As with most guys, I'm looking for the perfect combination of speed, smooth, quiet, accurate, and forgiving. I guess if I had to put my priorities in order they'd be this:
#1 smooth
#2 quiet
#3 accurate
#4 speed
#5 forgiving
I'm 5'9 with around a 27" draw. So what do you guy suggest?
Thanks in advance for your advice!


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There are no items currently in your bag.
Oscar's love for gardening comes to life with these modern floral studs, comprised of a center genuine Swarovski crystal and pavé sprays. Each gem is hand-set in our exclusive Russian gold, beloved for its rich color and texture. Complete the look with our matching cuff.
• 1" long
• Pewter/ brass
• Nickel-free / lead-free / cadmium-free
• Clip backs with comfort pads
• Made in USA
There are no items currently in your bag.


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The same great polymer clay as Premo! Sculpey® but the enhanced clays in the Premo! Accents line allows for making exciting and unique projects using an artist's palette. The complete line of Premo! Accents has pearlized colours that are great for creating faux semi-precious stones, metallics containing tiny mica particles to create a reflective effect, translucents to lighten clays and provide a transparent effect, granites containing elements that give the appearance of natural stones and glitters for creating projects with a glittery, sparkly finish.
Bake at 130 °C for 30 minutes per 6 mm thickness. DO NOT MICROWAVE. Baking should be completed by an adult. DO NOT EXCEED THE ABOVE TEMPERATURE OR RECOMMENDED BAKING TIME.
Discounted website prices do not apply in our retail store or for phone orders. If you shop online you can pick up your order from our retail store.


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True to their name, Original BMW Accessories are designed with fine precision and inspired by sheer performance.
Stay connected. Stay entertained. Stay secure. Original BMW Accessories combine cutting-edge mobile and wireless technology with genuine BMW design.
Shape your driving experience from the inside out. From race-inspired accents to elegant design motifs, interior accessories capture your personality in stylish detail.
Original BMW exterior accessories represent the best of BMW engineering and design — taken the extra mile. Beautiful and functional, these products make an unforgettable first impression.
Changing and combining orders, or changing or entering an invalid shipping address might affect your order's free shipping eligibility. Offer is valid for shipments in the contiguous 48 United States only. HI, AK, PR, US Territories, International and Canadian orders are excluded from this offer. Limited time offer valid from 11/29/13 to 12/31/13. Offer expires on 12/31/13 at 11:59pm (EST). Orders submitted after the promotion period ends do not qualify. 2-day delivery promise based on business days and item availability. No deliveries on Sundays.


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- Status: Active
- Full Name: Dylan Matthew Bundy
- Age: 21 (November 15, 1992)
- Birthplace: Tulsa, OK
- Bats/Throws: S/R Ht: 6' 1" Wt: 195
- Draft: Round 1 (2011, BAL)
- MLB Debut: 09/23/2012
- School: Owasso, OK
- Relationship(s): brother of Bobby Bundy
Dylan Bundy Stats Summary
Dylan Bundy Career Stats
Dylan Bundy News
- Bundy rebounds with three-hit outing
- O's Bundy sharp in second rehab start
- Bundy's arm feels '100 percent' in return
- Pirates option Polanco to Indianapolis
- Bundy could return to Minor Leagues in May
- O's Bundy to have elbow examined
- Bundy, Myers to begin year in Minors
- Soto perfect at plate in Reds' loss
Dylan Bundy Video
Watch more Dylan Bundy videos »
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View MiLB.com photos »
Dylan Bundy Awards and Honors
Dylan Bundy 49 P
- Full Name: Dylan Matthew Bundy
- Born: November 15, 1992
- Age: 21
- Birthplace: Tulsa, OK
- Bats: S
- Throws: R
- Height: 6' 1"
- Weight: 195
- Draft: Round 1 (2011, BAL)
- School: Owasso, OK
- MLB Debut: 09/23/2012
Ranked No. 1 among Orioles prospects (No. 2 overall) by MLB.com entering the 2013 season. ... With Manny Machado, became the first pair of Orioles teammates to debut in the same season by age 20 since 1964 (Paul Blair, Frank Bertaina). ... Won the 2012 Jim Palmer Prize as the Orioles' Minor League Pitcher of the Year. ... Selected by the Baltimore Orioles in the first round (fourth overall) of the 2011 First-Year Player Draft out of Owasso (Okla.) High School. ... Was named the 2011 Gatorade National Baseball Player of the Year, Baseball America High School Player of the Year and USA Today National Player of the Year. ... His brother, Bobby, was selected by the Orioles in the eighth round of the 2008 Draft... diagnosed by Dr. James Andrews with a partial tear in his right elbow ligament on June 26, 2013 and was scheduled to have Tommy John surgery on June 27, 2013.


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Cadel Evans of the BMC Racing Team sprinted to second place on Monday's stage of the Giro d'Italia, earning a 12-second time bonus that moved him from 60th to
Help From Santaromita
On a day when attacks came on both the climbs and the descents, Evans – with final help coming from teammate Ivan Santaromita – was able to follow all but the escape of stage winner Luca Paolini (Katusha). Paolini attacked on the twisting downhill at the end of the 222-kilometer race to win by 16 seconds and move into the overall lead. Evans led a select group of 16 riders home that included nearly all of the overall contenders. He is now 42 seconds off the lead after conceding 37 seconds in Sunday's team time trial." A small time bonus may not make a difference at the end of the Giro but it doesn't hurt for sure," the 2011 Tour de France winner said. "Most of all, it's a little bit of encouragement for everyone on the team."
Studied The Descent
BMC Racing Team Assistant Director Fabio Baldato said good knowledge of the course came into play. "We knew every corner of the final descent and spent 30 minutes studying it in the pre-race meeting, so it was perfect," he said. "The guys did a great job, particularly Ivan, Steve Morabito and Danilo Wyss, who had a bit of a bad day yesterday." Evans said he didn't expect the time gaps that would open up on the run-in to the finish. Only 30 riders finished within a minute of Paolini. "I was just looking to avoid trouble like the problems Michele Scarponi had after the two Blanco riders crashed in front of him. Like everything that counts for the race, we prepare for it as best as we can."


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Number of hits: 313 Records Next Page
An initiative of the UC Santa Barbara Library (805) 893-5444 Santa Barbara, CA 93106-9010. Direct questions or comments about the project or this page to the project staff or visit the help pages.
Träumerei - Hans Kronold. (Edison Gold Moulded Record: 9149), [1905].
Listen to a podcast or live stream of a recreation of a typical American vaudeville show on Cylinder Radio
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Department of Natural Resources Science
Welcome to the Department of Natural Resources Science (NRS). NRS, a department within the College of the Environment and Life Sciences (CELS), excels in interdisciplinary and innovative scientific inquiry. We pride ourselves in educating tomorrow's environmental leaders, and in contributing to a green economy and a sustainable environment. Our mission is to promote the highest quality of science and education while generating knowledge and integrative solutions for the 21st century. We achieve this mission by:
Departmental resources include spatial analysis and graphics capabilities in our Environmental Data Center and the Laboratory for Terrestrial Remote Sensing; 21st Century chemical analysis laboratories; state-wide teaching and research sites including several State and Federal wildlife management areas; and the Kingston Wildlife Research Station (the longest running bird banding monitoring station in the United States).
We are also home to URI's Cooperative Extension programs in Natural Resources and Environmental Management which include the Water Quality Program and the Renewable Resources Program that provide Rhode Island citizens with the scientific information to better assess and manage their land and water resources. In addition, NRS hosts multiple personnel from the National Park Service Inventory and Monitoring Program.
Department Mission
The overall mission of the Department of Natural Resources Science is to conduct the highest quality research, teaching and outreach activities that address the science and management of natural resources. In pursuit of this mission, the Department uses a truly multidisciplinary approach to educate its students and to solve complex environmental problems. Additionally, the Department strives to achieve national and international excellence and recognition within its two primary focus areas: Wildlife and Conservation Biology and Environmental Science and Management. Within these focus areas we:
Our faculty and staff work from a shared vision of achieving national and international prominence through:
Commitment to Diversity
The Department of Natural Resources Science promotes respect for and understanding of diversity in all aspects of society including diversity in race, ethnicity, national origin, gender, age, socioeconomic background, religion, sexual orientation, and disability. As a department, we strive for a diverse student body, faculty, and staff so that we may foster an experience rich in perspectives and opportunities to learn from each other. Towards that end, the faculty, employees, and students of Department of Natural Resources Science seek to:
Instructional Objectives
The teaching mission of the Department of Natural Resources Science is to train
students to become innovative, creative, environmentally responsible citizens who
value learning, are effective leaders and communicators, and who apply their curiosity,
knowledge, and skills to solve complex environmental problems. Our core courses
use hands-on approaches, field and lab projects, and problem-based learning to ensure
that students develop skills that can be used to resolve environmental issues and
problems. Our curriculum requires that students integrate multiple scales of scientific
inquiry (from molecules to ecosystems, soils to the biosphere), effectively communicate
and translate their knowledge to a diversity of stakeholders, and use science-based
solutions to solve environmental problems, promote alternative energy and a green
economy, and advance environmental sustainability for the benefit of society. Students
are partnered with NRS research scientists and extension specialists to ensure that
the connection is made between their scientific knowledge and real-world application.
Apprenticeships are used to connect students with environmental consulting firms
and non-academic partner institutions in municipal government, state agencies, federal
programs, conservation NGOs, land trusts, and conservancies to expand student's
learning experiences and foster long-term partnerships among the university, an
emerging workforce, and the employers of environmental scientists.
University of Rhode Island, Kingston, RI 02881, USA 1-401-874-1000
Copyright © 2011. All rights reserved. Disclaimer | Web feedback
URI is an equal opportunity employer committed to the principles of affirmative action.


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AUCTIONS: Real Estate Auction October 22nd, 2014 On-Site at 12:00PM Accepting Pre-Auction Offers, Broker Participation Welcome! 1905 Ebenezer Ave, Rock Hill, SC: 1,500± SF Office Building in excellent location on a corner lot near Piedmont Medical Center. Interior...More info Email a friend
AUCTIONS: Mark the date! November 1st Saturday 1 pm Waxhaw American Legion A portion of proceeds goes to Wounded Warriors Project. Tons of stuff and free raffles with real good prizes! Refreshments available. www.UptownAuctions.us Check us out on Auctionzip for pictures...More info Email a friend


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Construction Paper, 58 lbs., 9 x 12, Yellow, 50 Sheets/PackItem#: YYAZ-PAC8403 | Model#: 8403
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SunWorks® Construction Paper Product Details
Global Product Type: Paper-Art Sheet
Size: 9 x 12
Paper Color(s): Yellow
Paper Weight: 58 lb
Sheets Per Unit: 50
Pre-Consumer Recycled Content Percent: 0%
Post-Consumer Recycled Content Percent: 0%
Total Recycled Content Percent: 0%
Manufactured by: Pacon
Warranty provided by: Pacon
Mfg Part No: 8403
UPC No: 045173084037
Box Size: ( Length:0, Width:0, Depth:0)
Shipping Weight: 0.8600 pound(s)
Click here for full warranty and support information
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may be obtained by mailing a self addressed, stamped envelope to the
address below and requesting the warranty for item number: YYAZ-PAC8403
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Miami, FL. 33144
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Welcome To GMTruckClub.com!
The #1 Chevy Truck Forum Online
Online since 2004, we are the #1 Chevy Truck & SUV forum and user community. If you have any questions about your Chevy or GMC Truck, SUV or Crossover, or just want to connect with other GM owners and enthusiasts around the world, you've found the best place on the internet to do that.
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how to up my MPG
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Main Content
The 2013 Outback Bowl on January 1st is sure to be an exciting game! Get ready for a battle among titans as the South Carolina Gamecocks and the Michigan Wolverines take the field to earn the right to be called the champions when you sport this Dueling tee. It features team helmets squaring off on the front along with Outback Bowl graphics for a look that'll keep you on your feet as the action unfolds!
- Lightweight ribbed T-shirt
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Conquer your fitness goals with a little help from this TIMEX® Zone Trainer™ heart rate monitor. Designed with a digital Flex Tech™ chest strap that won't receive interference from other electronic devices, it's ideal for your gym or outdoor circuit. The corresponding water-resistant sports watch features chronograph, countdown timer and alarm functions; heart rate and calories burned data is also displayed.
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- Water-resistant digital sports watch with chronograph, countdown timer, alarm and INDIGLO® night-light


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UPDATE: Mu Sochua was released from prison on July 22, 2014 on conditional bail along with her 6 colleagues. Thank you for standing in solidarity with these fearless activists, greeted by jubilant crowds of supporters outside of Prey Sar Prison in Cambodia. In a note written the day before she was released, Mu Sochua wrote words that ring true for all human rights defenders: "A dream will make us fight to see it come true. An expectation will lead to passivity and probably to disappointment."
Global Fund for Women calls for the immediate release of Member of Parliament-elect Mu Sochua and six of her colleagues in Cambodia where they were arrested and placed in pre-trial detention on July 15th, for charges of insurrection, following a clash between district security guards and protestors. Since her arrest she has not been allowed to see anyone, other than her lawyer, and her colleagues have similarly been denied access to any visitors. Watch video footage depicting the arrest.
Commenting today, Global Fund for Women president and chief executive officer, Musimbi Kanyoro, said "Sochua, a former Global Fund for Women Board Member, has been instrumental as a leader in creating opportunities for women to participate in political spheres as elected representatives, civic champions and community activists. She is a woman of immense courage and conviction and she has a global network of supporters actively working to secure her freedom. We appeal to Prime Minister Hun Sen to order the immediate release of Mu Sochua and to reassure the global community of his commitment to the right of citizens to speak out in Cambodia without fear of detention."
Mu Sochua is the former Minister of Women's Affairs in Cambodia and in 2005, she was one of the 1,0000 women nominated for the Nobel Peace Prize for her work against sex trafficking of women in Cambodia and neighboring Thailand.
Sochua has worked at the grassroots and policy levels on gender-based violence, freedom of the media, trafficking, labor rights, and women's civic and political participation for many years and she was an official advisor to the Global Fund for Women for over a decade. She was one of seven remarkable women from around the world whose life and contribution was honored in a documentary play called Seven produced by Global Fund for Women grantee, Vital Voices and in 2010 she was the recipient of the People's Choice Award instituted by Global Exchange for her work in serving under-represented populations and for giving them voice through her program "Women's Voices, Women's Choices".
Sochua returned to Cambodia in 1989 after 18 years in exile, and she has worked as an advocate for human rights, working to stop domestic violence, HIV/AIDS and human trafficking and to advocate for worker rights and democratic processes. She formed the first organization for women, called Khemara (Khmer: ខេមរា). and she joined the Funcinpec political party, winning a national assembly seat representing Battambang in 1998. Soon afterwards, she was asked to take over the Ministry of Women's and Veterans' Affairs, one of only two women in the cabinet. In July 2004 she stepped down from her role as a Minister, citing corruption as a major obstacle to her work. Almost immediately, she transferred her allegiance to the Sam Rainsy party, where she became secretary general before becoming Member of Parliament-elect.
We call on Ambassador Hem Heng, and his Government to immediately release Mu Sochua and her colleagues and to actively demonstrate their commitment to democracy as they build a new foundation for their country's future based on justice, respect and due process. Please join us in calling for Mu Sochua's immediate release by signing this petition and by sending letters of support to Ambassador Hem Heng:
His Excellency Mr. Hem Heng


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In an effort to help address potential antimicrobial resistance concerns in humans, the U.S. Food and Drug Administration issued guidelines to extend veterinary oversight and phase out the sub-therapeutic use of antibiotics that are important to human medicine in food producing animals for growth promotion purposes. The new guidelines will be implemented over a three-year transition phase.
Historically, certain antibiotics have been used in the feed or drinking water of food producing animals for production purposes. Some of these antimicrobials are also used to treat human infection, thus prompting concerns about the potential contribution of this practice affecting antimicrobial resistance. Guidance 213 calls for animal pharmaceutical companies to voluntarily revise the FDA-approved labels for these products to remove growth promotion labels. FDA also proposes to change Veterinary Feed Directive regulations to move the over-the-counter status of the remaining appropriate therapeutic uses to require veterinary oversight when used to treat, control, or prevent health issues in animals.
Bernadette Dunham, director for FDA's Center for Veterinary Medicine, said the steps taken by FDA will promote the judicious use of important antimicrobials to protect human health while ensuring sick and at-risk animals receive the care they need.
"Implementing this strategy is an important step forward in addressing antimicrobial resistance. The FDA is leveraging the cooperation of the pharmaceutical industry to voluntarily make these changes because we believe this approach is the fastest way to achieve our goal," said FDA Deputy Commissioner for Foods and Veterinary Medicine Michael Taylor.
In a media statement, Zoetis came out in support of FDA's new guidelines.
"Zoetis supports the FDA's efforts to voluntarily phase-out growth promotion indications for medically important antibiotics in food producing animals. Zoetis plans to implement Guidances #209 and #213 and has already taken action. This reflects our continued commitment to antibiotic stewardship and represents the many ways that Zoetis promotes the responsible use of antimicrobial drugs in animals.
"We believe that veterinarians should be involved in decisions regarding antibiotic use in food animals for the health of the animal and for the safety of the food supply. We support the revisions to the Veterinary Feed Directive (VFD) regulation to guide veterinarians and farmers as they manage the health and welfare of animals."


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Online prices and product selection may vary from our retail stores. All prices and offers are subject to change. Copyright RadioShack Corporation 2014. All rights reserved.


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You don't have to wait for the cold weather to be gone in order to start the preparations for your spring vegetable garden. As specialists point out, some vegetables do better when you plant them during the frosty season. Let's see which vegetables do best in harsh conditions:
1. Broccoli
Seeds of broccoli can be planted in your spring vegetable garden up to four weeks before the last frost date. In order for broccoli to grow healthy, you can use a low nitrogen fertilizer.
2. Carrots
In order for carrots to grow robust, they need deep and loose soil. When planting the seeds, make sure that the carrots' bed is weeded as to avoid the mixture of other plants.
3. Cabbage
You can start the seeding process 6 to 8 weeks before the last frost date. It is recommended to sow directly in your garden after the last frost date. Also, bear in mind that cabbages require a very fertile soil, rich in moisture.
4. Potatoes
Planting spring potatoes means that your garden soil must be fertile and well drained. A useful tip to take into account is covering the soil when the potato tubers start growing. This is a preventive measure to keep tubers away from burning.
5. Onions
As soon as the soil is ready, you can start planting onions, in sets, bulbs or transplants. Use fertilizers close to the roots for a healthier grow.
6. Radish
Same as broccoli plants, radish seeds must be planted with about 4 weeks before the last frost date happening in your living area. Be aware of the fact that the radish requires a fertile soil. The great thing about radish plants is that they grow very quickly.
So that's it, know you know what plants do best in your spring vegetable garden!


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Planning Board denies rezoning for new apartments but will look for compromise
SALISBURY — The Salisbury Planning Board voted against rezoning a proposed apartment complex on Gold Hill Drive but sent the issue to a committee in hopes of finding a compromise.
Members voted 4-3 to kill a motion that would have recommended to City Council rezoning and a conditional district overlay for Summerfield Apartments.
Charlotte developer Jud Little wants to build the 80-unit, rent-controlled complex and clubhouse on 12 acres with an entrance and exit on Gold Hill Drive. The development would stand near PowerCurbers, a long-term storage facility and another apartment complex but also next to a single-family home neighborhood.
Some Planning Board members said they could not support the development as proposed because it doesn't adhere to the Eastern Gateway Plan, a guiding document that volunteers and city staff worked for years to create.
Summerfield's density would put more than six apartment units per acre on the site, up from the recommended two-to-four units per acre in the gateway plan.
Although the current zoning would allow even more units — 12 per acre — opponents said they felt they had to respect the density limits in the plan.
Planning Board member Bill Wagoner, who opposed the rezoning, offered to chair a committee that will try to find a compromise to present at the April 23 meeting. Committee members include Jo-ann Hoty, who voted for the rezoning, and Josh Lavis, who voted against it.
Little requested a conditional district overlay for Summerfield to allow campus-style apartments, meaning the four buildings would face each other, instead of facing a street. The change also would allow more than four units per building.
Little wanted to build a similar apartment complex last year behind the new Aldi but failed to win tax credit financing from the N.C. Housing Finance Agency (another developer is now pursuing the project behind Aldi). Little will once again compete for tax credit financing for Summerfield.
If the apartments are built, people who qualify to live in Summerfield would earn between $17,000 and $34,000 a year.
Two residents spoke in opposition. Harry Owen, who said he's lived on Gold Hill Drive for 38 years, said 80 apartments would add to traffic that's already backed up from Faith Road to Old Concord Road.
"If they put that in, it will be even worse," Owen said.
Richard Carter, who lives at the corner of Dunham and Burke avenues next to the proposed development, said the two-story apartment building would be visible from his house. Neighborhood streets are already too narrow and can't handle more traffic, Carter said.
Before Tuesday's Planning Board meeting, city staff told developers there could be objections to the apartments.
Preston Mitchell, the city's Planning and Development Services manager, said Little worked with city staff to tweak the design, addressing potential concerns by relocating the taller, three-story buildings to the back of the property and rotating the clubhouse to face Gold Hill Drive.
Little pointed out the apartments are close to commercial development, and the plan includes 63 shade trees and extensive landscaping to provide a buffer with neighbors. Parking would be screened from the street, and his company plans to invest $9 million in the development, Little said.
The changes make a softer transition from the single-family homes, Mitchell said.
City staff recommended the Planning Board support the project but acknowledged that Summerfield is not consistent with the Eastern Gateway Plan.
Planning Board Chairman Carl Repsher voted in favor, saying although the development doesn't adhere to the plan, it would act as a transition between the single-family neighborhood next door and commercial developments beyond.
"That makes it acceptable," Repsher said.
David Post and Hoty also voted yes.
But Wagoner, Lavis, Josh Canup and Thomasina Paige voted no. After a lengthy discussion, the board sent the matter to committee.
Wagoner said a compromise could include connecting Summerfield by sidewalks to the neighboring apartments to the west, rather than to the single-family neighborhood to the east.
The gateway plan calls for the area where Summerfield would be built to retain a "certain character of the existing neighborhood," Wagoner said.
The apartments would be two to three times more dense than the community standard established in the plan, he said.
Despite the vote, Wagoner said he and others want to see Summerfield move forward with modifications.
"We all have sympathy for the project and its goals and uses, and how much work Jud has put in and the timeline he's on," he said.
Contact reporter Emily Ford at 704-797-4264.


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Explore HotelRESERVÉR NU ▼▲
Gennemgå eller ændr en nuværende reservation:
Log på for at se alle reservationer på din konto
Enjoy luxury lodging and superior services in Lima
At the Radisson San Isidro, you can bask in the gorgeous Peruvian sunshine at the hotel's outdoor pool, get your heart rate up in the modern fitness center or stay connected with work and family in the on-site business center. The hotel's friendly, multi-lingual staff is happy to arrange for translation services, entertainment recommendations or express laundry services. For your added convenience, room service is available 24 hours a day inside our lodging.
Your stay in Peru includes these hotel services and amenities:
Your stay in Peru includes these hotel services and amenities:
- 38 suites
- Zendo Restaurant and Bar
- 753 square feet of meeting space
- Meeting and events coordinator
- Fitness center, open daily 5:30 a.m.-11 p.m., with these features:
- Cardiovascular equipment
- Sauna
- Weight machine
- Outdoor pool
- Wheelchair access
- 24-hour business center with these features:
- Copier (upon request)
- Fax services (upon request)
- Free high-speed Internet access
- Mail service
- Meeting room
- Printer and scanner
- Translation services (upon request)
- Two multimedia PCs
- Car rental
- 24-hour medical service
- 3-Hour Express Laundry service
- Currency exchange from dollars to Peruvian Soles
- Entertainment information
- Express Check-out
- Multi-lingual staff
- Taxi service
- 24-hour room service
- Dry cleaning
- Free high-speed, wireless Internet access
- Wake-up calls
Pick-up service from the airport is available for $35.84 for one way. Reservations are required at least 24 hours in advance.


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Don Mays is a director within Deloitte's food & product safety practice, focusing on product safety. He brings more than 35 years of technical experience leading to a deep understanding of product quality and safety, and risk assessment.
Don provides subject matter experience for Deloitte clients who need help understanding, prioritizing, and mitigating risk related to their products. He has coached companies through the product recall process while helping them to minimize financial and reputational risk. Leveraging his experience in risk assessment and human factors, he has helped companies uncover hidden hazards and design those hazards out of products before they get to the market. Don's knowledge of product performance and quality has been used to help benchmark products against a company's competition as well as earlier generation products.
Formerly with Consumers Union / Consumer Reports, Don led that organization's product safety initiative designed to reduce the number of unsafe product in the marketplace and educate consumers about risk. Earlier in his career, he served as vice president of retail and consumer product services for a global testing, certification and inspection company. He was also the former technical director of a product-evaluation laboratory of a magazine.
Don is well known in the product safety community. He has testified before U.S. Congress and the U.S. Consumer Product Safety Commission on various product safety matters. He has served as a frequent speaker and lecturer at safety conferences and training programs in addition to appearing regularly as a public spokesperson on national television.
Don earned both a bachelor's and master's degree in mechanical engineering from Manhattan College. He is a member of the boards of directors for American Society for Testing and Materials (ASTM)-International as well as the American National Standards Institute. He is also co-chair of ASTM's executive committee on consumer products.
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