text:
|Publication number
|Publication type
|Application number
|Publication date
|Dec 14, 2010
|Filing date
|Dec 10, 2003
|Priority date
|Dec 11, 2002
|Fee status
|Also published as
|Publication number
|Richard Antell, Michael Arena, Michele Chraplewski, Robert D. Shapiro
|Original Assignee
|Authorize.Net Llc
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (19), Referenced by (7), Classifications (6), Legal Events (5)
|External Links: USPTO, USPTO Assignment, Espacenet
This application claims priority to, and incorporates herein by reference, the entire disclosure of U.S. Provisional Patent Application No. 60/432,487, filed on Dec. 11, 2002.
The methods and systems relate to authentication, and more particularly to methods and systems that authenticate network users.
Authentication systems are used for security purposes to verify the authenticity of one or more parties during a transaction. In the past, transactions were of a more personal nature, in that authentication consisted of the vendor visually recognizing the purchaser, or identifying the purchaser's voice. As transactions become ever more impersonal, additional authentication can become increasingly necessary.
Authentication systems can be manual, such as when purchasing an item with a personal check. The purchaser can present additional identification, such as a driver's license, to verify the authenticity of the purchaser. Authenticating systems can also be electronic, such as when using an Automated Teller Machine (ATM). The ATM card can include account and customer information. To guard against unauthorized access, the user of the ATM must input a Personal Identification Number (PIN). The correct PIN serves to authenticate that the user is the customer authorized to use the ATM card.
Some existing authentication schemes generally rely on information that can be readily obtained, thus compromising the authentication. For example, a fraudulent license can be provided when purchasing items by check. The Internet provides many opportunities for obtaining personal identification information, as witnessed by the increasing threat of identity theft.
Authentication methods and systems can determine if an individual providing information is actually the claimed individual. A customer who wishes to have users authenticated can prioritize questions from a listing of potential questions. The methods and systems can determine "available" questions to be posed to a user to be authenticated, where the available questions are based on a set of potential questions for which information is obtained for and/or otherwise associated with the user. The information can be from a data source that can provide personal and/or corporate (e.g., user is an employee) information, such as, for example, a credit bureau (e.g., database), debit bureau, a demographic data source, a household data source, a business data source, and others, with such examples provided for illustration and not limitation. The methods and systems can formulate questions sets to be asked of the user based on the available questions, the customer's prioritization of the potential questions, and customer inputs for a number of question sets to be asked of the user and a number of questions in each question set. Each question set includes at least two questions from the available questions. The questions in the question sets are posed to the user in fill-in-the-blank format. The user's responses are analyzed to determine if they meet an authentication criteria provided by the customer.
In one embodiment, a method of authenticating a user on a network can include formulating question sets from a listing of potential questions, where the listing includes one question of a basic information type, and a plurality of questions of an authenticating type, and where each question set can have at least two different questions taken from the listing of available questions. The method can pose the questions from the question sets to the user in a fill-in-the-blank format to elicit responses from the user, and the method can analyze the responses to determine whether the responses match like information received from a data source(s) that can include personal and/or corporate/business data. Based on the match results and a customer's configuration of the methods and systems, which includes an authentication criteria, the user can be authenticated.
In formulating the question sets, the method and systems can parse the data source (e.g., credit, debit, household, business) information for the user to determine if question sets can be formulated based on the received data source information. The method thus can include configuring the authentication criteria to provide priority rankings for the questions. The formulation of the question sets can be based on the priority rankings. The questions in the question sets can be ordered and/or selected for inclusion in the question sets by their respective priority rankings, where questions in the questions sets are based on available questions for the user to be authenticated. A customer requesting authentication of the user can input configuration criteria, including the priority rankings, the number of question sets to be posed to the user, the number of questions per question set, and scoring and/or authentication criteria for the responses.
If so configured by the customer, the method can pose additional questions from a subsequent question set when responses to one or more previous question sets (and/or associated scoring) do not meet the authentication criteria. Analyzing the responses can include assigning values to the responses based on configuration criteria input by a customer requesting authentication of the user, and combining the values for the responses to obtain a combined total. In some embodiments, the combining can be by strict addition, while some embodiments may use weighting schemes. The authentication criteria can be satisfied when the combined total exceeds a predetermined total. Assigning values can include assigning weights to the responses and/or assigning values for partially correct responses.
The method can include providing instructions to the user to proceed to a manual method of authenticating when the user fails to meet the authentication criteria after a predetermined number of attempts. The manual method can include prompting the user to input access criteria provided to the user as part of the instructions, retrieving the analysis of the previous responses of the user based on the access criteria input by the user being valid, posing questions from additional question sets to the user in fill-in-the-blank format, recording user responses to the questions from the additional question sets, analyzing the responses to the questions from the additional question sets to determine whether the responses meet the authentication criteria, and providing instructions to the user to proceed to a mail method of authenticating when the access criteria is invalid, no additional question sets are available, and/or the authentication criteria is not met. The mail method can include obtaining physical specimens of user identification and determining if the physical specimens meet the authentication criteria.
The following figures depict certain illustrative embodiments in which like reference numerals refer to like elements. These depicted embodiments are to be understood as illustrative and not as limiting in any way.
To provide an overall understanding, certain illustrative embodiments will now be described; however, it will be understood by one of ordinary skill in the art that the systems and methods described herein can be adapted and modified to provide systems and methods for other suitable applications and that other additions and modifications can be made without departing from the scope of the systems and methods described herein.
Unless otherwise specified, the illustrated embodiments can be understood as providing exemplary features of varying detail of certain embodiments, and therefore, unless otherwise specified, features, components, modules, and/or aspects of the illustrations can be otherwise combined, separated, interchanged, and/or rearranged without departing from the disclosed systems or methods. Additionally, the shapes and sizes of components are also exemplary and unless otherwise specified, can be altered without affecting the scope of the disclosed and exemplary systems or methods of the present disclosure.
The methods and systems described herein provide schemes and platforms to authenticate a user of a network. The systems and methods described herein can provide authentication over a variety of networks, including computer networks and telephone networks. The methods and systems can also be manually deployed to provide a network user with such authentication. In addition, the methods and systems can be components of authentication methods and systems, or can be presented in a stand-alone mode.
Referring to
With reference to
Table A includes an example listing of some potential questions from which question sets can be formed. As will be described herein, based on the configuration data and retrieved data source data associated with the User 21 to be authenticated, authentication system 100 can compile question sets using available questions from Table A, "Potential Questions", and can provide the question sets to User 21 via interface 19 of Customer 13 or other means. The questions in Table A are merely exemplary, and can include fewer and/or more information that can be obtained from a credit bureau and/or another data source(s) as provided herein. In some embodiments, the data source(s) can be an independent and/or secure data source.
Mortgage Account
Mortgage Payment Amount
Credit Card Account
Credit Card Limit
Auto Loan Account
Auto Loan Payment Amount
Education Loan Account
Education Loan Payment Amount
Previous Address Street
Bank/Institution Holding Mortgage
Bank/Institution Holding Auto Loan
Bank/Institution Holding Education Loan
Place of Employment
Consumer Statement Content
Customer 13 can specify configurable question set parameter values including a maximum number of question sets, a number of questions in the different question sets, a number of correct answers or percentage of correct answers to provide authentication, etc. Table B, "Configurable Question Set/Authentication/Scoring Parameters," provides an example listing of configurable parameters, including default and/or suggested values for the parameters. The Table B parameters are also for illustration and not limitation, and fewer or more parameters can be employed, where the suggested values can be similarly viewed as examples.
As Table B indicates, a Customer 13 can provide one or more authentication and/or scoring criteria that can include a number of questions to correctly answer (e.g., a minimum number), a percentage of questions to answer correctly, a number of questions to answer partially correct (e.g., "borderline" correct), and/or a percentage of questions to answer partially correct (e.g., "borderline" correct).
Table C, "Configurable Scoring/Authentication Parameters," provides an example listing of scoring parameters and example default or suggested values related thereto, for scoring the answers and/or responses from the User 21, and includes points awarded for correct or partially correct/borderline answers, multipliers for correct answers, multipliers for partially correct ("borderline") answers, thresholds and/or criteria for determining whether an answer is "correct" and thus entitled to the points and "correct" multiplier, and thresholds and/or criteria for determining whether an answer is "borderline" and/or partially correct and thus entitled to the points and "borderline" multiplier. Accordingly, as an example, consider the configuration shown in Table C, where mortgage payment amount for a given User 21 can be $1,000, as provided by a credit bureau (or other data source). For the Table C configuration, a response from the User 21 of $950 to $1050 would yield a point of 1.0 with a multiplier of 1.0, providing a score of 1.0 for that response. Further, a response from the User 21 of $900 to $949 or $1051 to $1100 would yield a point of 1.0 with a multiplier of 0.75, providing a score of 0.75. As seen from the configuration of Table C, with the present example, no other response from the User 21 would generate a non-zero score (e.g., other responses can be deemed "incorrect"). The aforementioned score may be used, for example, as a partial score towards the criteria of Table B. Accordingly, the aforementioned example is merely for illustrative purposes and is a demonstration of some possible answer/response scoring schemes in which one or more multipliers and/or answer criteria/thresholds can be employed. It can be understood that fewer or more scoring parameters may be used, and/or with different default values.
Configurable Parameter
Maximum Number of Question Sets
Number of Questions per Question Set
(minimum value: 2)
Authentication Score High Number of
Questions Correct
Authentication Score High Percentage
of Questions Correct
Authentication Score Borderline
Number of Questions Correct
Authentication Score Borderline
Percentage of Questions Correct
As provided herein, during a configuration session, Customer 13 can access and/or otherwise provided data relative to the configuration data and/or information such as that illustrated in Tables A, B and C, and the Customer 13 can accept the default values for the parameters shown therein, and/or can input, specify, and/or otherwise provide values for one or more of the parameters. As shown in Table C, the Table A questions can be assigned priority values (e.g., by a Customer, system administrator, etc.). It can be understood that, based on the respective information from data sources from which answers to Table A are sought, answers to all of the Table A questions may not be available for every User 21. Accordingly, the potential questions of Table A may be reduced to a smaller number of "available" questions that include the Table A (or other set) questions for which answers are available. Thereafter, based on the configurable question set parameters of Table B (or other set), question sets can be formulated, where a question set must include at least two questions, i.e., Customer 13 can not configure a question set having less than two questions. The configuration data can be stored by system 100 in one or more databases 102.
Once Customer 13 completes configuration, Customer 13 can use authentication system 100 for authentication of one or more Users 21. Referring also to
Payment Amount
Credit Card
Credit Card
Auto Loan
Auto Loan
Payment Amount
Education Loan
Education Loan
Payment Amount
Previous Address
Holding Auto
Education Loan
Place of
When authentication system 100 receives the identity information, as at 202 in
Parsing module 106 of authentication system 100 can parse (208) the information from the data source(s) 25 to obtain answers for potential questions (e.g., Table A potential questions). Depending on the access information provided, the data source(s) contacted, and the information available from the data source(s), answers to some or all of the Table A questions can be obtained. Only potential questions for which answers are obtained from the data source(s) ("available questions") can be asked of the User 21 during the authentication process. Based on the questions obtained and the configuration of the system (e.g., see Table B), parsing module 106 can determine, at 210, if enough available questions exist to prepare question sets as configured by Customer 13. If there are not enough available questions to generate question sets per the configuration input by Customer 13, authentication system 100 can provide User 21 with an indication that Manual Mode is necessary for authentication, as indicated at 212 in
If question sets can be prepared (i.e., based on the number of available questions), the question sets can be prepared and/or formulated by selecting such available questions based on the priorities associated with the various available questions. Accordingly, if a question set includes two questions, the two highest priority available questions can be selected to form the question set. It can be understood that references herein to "question sets" can include formal and/or informal groupings and/or associations of questions.
Referring back to
Authentication system 100 can cause the User 21 to be presented (e.g., via web site 17 or other means) questions from question sets. These question can be, as provided herein, in fill-in-the-blank format or another format, as at 216 in
Evaluation module 108 can determine, at 222, whether the scoring for the received answers satisfies the authentication criteria (e.g., see Table B), as set forth in the configuration data for Customer 13. A Customer 13 may thus configure the system to have one or more scoring/authentication criteria, as provided in Table B. For example, the Customer 13 can specify a number of questions to answer correctly and/or a number of questions to answer partially ("borderline") correctly, and one or more of such criteria can be used to determine authentication. Additionally and/or optionally, a User 21 can be authenticated based on a percentage of questions answered correctly and/or partially ("borderline") correctly. It can be understood, as provided herein, that other scoring/authentication criteria can be used, and the aforementioned criteria can be combined through, for example, weighting and/or other methods of combination.
If one or more of specified authentication criteria are satisfied, authentication system 100 can inform (224 in
If the User 21 is not authenticated based on the first question set, and the configuration data provided by Customer 13 allows more than one question set to be presented to the User 21, as determined at 226 in
In the
Referring to
In the Manual Mode of
In Mail Mode, as illustrated by method 400 of
Those of ordinary skill will also recognize, as provided herein, that one or more of the data sources can be a business/corporate data source, where the User 21 can be an employee or another associated with and/or affiliated with a business/corporation, etc., and through such association and/or affiliation, such User 21 would have knowledge of information that may be in the business/corporate data source. Such business/corporate data source could include, for example, business addresses, telephone numbers, passwords, security information, PIN numbers, factual information, and other information, with such examples provided for illustration and not limitation.
The systems and implementations thereof described herein may not be limited to particular components or configurations. For example, system 100 and method 200 can operate on a variety of networks, including networks supporting the Internet Protocol (IP), broadband networks, DSL (Digital Subscriber Line), FTTP (Fiber to the Premise), and WiFi (a wireless network specification). System 200 can be distributed among a number of network nodes that can communicate and cooperate over a network, such as an intranet and/or the Internet, to provide users with a seamless interface experience. In addition, system 100 can be configured for operation with one of a number of devices capable of accessing system 100 through a network, including personal computers, wireless phones, PDA's and the like.
Though not specifically shown in
Additionally, the flow charts of
The methods and systems described herein are not limited to a particular hardware or software configuration, and may find applicability in many computing or processing environments. The methods and systems can be implemented in hardware or software, or a combination of hardware and software. The methods and systems can be implemented in one or more computer programs, where a computer program can be understood to include one or more processor executable instructions. The computer program(s) can execute on one or more programmable processors, and can be stored on one or more storage medium readable by the processor (including volatile and non-volatile memory and/or storage elements such as non-transitory medium), one or more input devices, and/or one or more output devices. The processor thus can access one or more input devices to obtain input data, and can access one or more output devices to communicate output data. The input and/or output devices can include one or more of the following: Random Access Memory (RAM), Redundant Array of Independent Disks (RAID), floppy drive, CD, DVD, magnetic disk, internal hard drive, external hard drive, memory stick, or other storage device capable of being accessed by a processor as provided herein, where such aforementioned examples are not exhaustive, and are for illustration and not limitation
The computer program(s) can be implemented using one or more high level procedural or object-oriented programming languages to communicate with a computer system; however, the program(s) can be implemented in assembly or machine language, if desired. The language can be compiled or interpreted.
As provided herein, the processor(s) can thus be embedded in one or more devices that can be operated independently or together in a networked environment, where the network can include, for example, a Local Area Network (LAN), wide area network (WAN), and/or can include an intranet and/or the internet and/or another network. The network(s) can be wired or wireless or a combination thereof and can use one or more communications protocols to facilitate communications between the different processors. The processors can be configured for distributed processing and can utilize, in some embodiments, a client-server model as needed. Accordingly, the methods and systems can utilize multiple processors and/or processor devices, and the processor instructions can be divided amongst such single or multiple processor/devices.
The device(s) or computer systems that integrate with the processor(s) can include, for example, a personal computer(s), workstation (e.g., Sun, HP), personal digital assistant (PDA), handheld device such as cellular telephone, laptop, handheld, or another device capable of being integrated with a processor(s) that can operate as provided herein. Accordingly, the devices provided herein are not exhaustive and are provided for illustration and not limitation.
References to "a microprocessor" and "a processor", or "the microprocessor" and "the processor," can be understood to include one or more microprocessors that can communicate in a stand-alone and/or a distributed environment(s), and can thus can be configured to communicate via wired or wireless communications with other processors, where such one or more processor can be configured to operate on one or more processor-controlled devices that can be similar or different devices. Use of such "microprocessor" or "processor" terminology can thus also be understood to include a central processing unit, an arithmetic logic unit, an application-specific integrated circuit (IC), and/or a task engine, with such examples provided for illustration and not limitation.
Furthermore, references to memory, unless otherwise specified, can include one or more processor-readable and accessible memory elements and/or components that can be internal to the processor-controlled device, external to the processor-controlled device, and/or can be accessed via a wired or wireless network using a variety of communications protocols, and unless otherwise specified, can be arranged to include a combination of external and internal memory devices, where such memory can be contiguous and/or partitioned based on the application. Accordingly, references to a database can be understood to include one or more memory associations, where such references can include commercially available database products (e.g., SQL, Informix, Oracle) and also proprietary databases, and may also include other structures for associating memory such as links, queues, graphs, trees, with such structures provided for illustration and not limitation.
References to a network, unless provided otherwise, can include one or more intranets and/or the internet. References herein to microprocessor instructions or microprocessor-executable instructions, in accordance with the above, can be understood to include programmable hardware.
Unless otherwise stated, use of the word "substantially" can be construed to include a precise relationship, condition, arrangement, orientation, and/or other characteristic, and deviations thereof as understood by one of ordinary skill in the art, to the extent that such deviations do not materially affect the disclosed methods and systems.
Throughout the entirety of the present disclosure, use of the articles "a" or "an" to modify a noun can be understood to be used for convenience and to include one, or more than one of the modified noun, unless otherwise specifically stated.
Elements, components, modules, and/or parts thereof that are described and/or otherwise portrayed through the figures to communicate with, be associated with, and/or be based on, something else, can be understood to so communicate, be associated with, and or be based on in a direct and/or indirect manner, unless otherwise stipulated herein.
Accordingly, many additional changes in the details and arrangement of parts, herein described and illustrated, can be made by those skilled in the art. It will thus be understood that the following claims are not to be limited to the embodiments disclosed herein, can include practices otherwise than specifically described, and are to be interpreted as broadly as allowed under the law.
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|U.S. Classification
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|International Classification
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|Dec 10, 2003
Owner name: LIGHTBRIDGE, INC., MASSACHUSETTS
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Owner name: LIGHTBRIDGE, INC., MASSACHUSETTS
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:ANTELL, RICHARD H.;ARENA, MICHAEL J.;CHRAPLEWSKI, MICHELE;AND OTHERS;SIGNING DATES FROM 20031208 TO 20031209;REEL/FRAME:014807/0083
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Owner name: AUTHORIZE.NET HOLDINGS, INC., MASSACHUSETTS
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Owner name: AUTHORIZE.NET LLC, CALIFORNIA
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|Certificate of correction
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|Fee payment
Year of fee payment: 4


text:
There was an enormous One Tree Hill reunion this weekend, and luckily, we have plenty of photographic evidence. Sophia Bush, Bethany Joy Lenz, Daphne Zuniga, Stephen Colletti, Antwon Tanner, Paul Johansson, and the rest of the gang met up in Montreal for drinks and so. many. FEELINGS, as... Read More... http://feeds.ew.com/~r/entertainmentweekly/tv/coverage/~3/LM-zy9Gplns/one-tree-hill-cast-reunion-instagram
One Tree Hill Star Jana Kramer Marries for Third Time She got the boy! FormerOne Tree Hillstar and current country singer Jana Kramer has married her football player boyfriend, Michael Caussin, after only 9 months of dating. Jana, 31, and Michael, 28, exchanged their vows on Friday, May 22, [] http://www.wetpaint.com/2015-05-23-one-tree-hill-jana-kramer-marries-third-time/
Chad Michael Murray, Tyler Hilton and Hilarie Burton were among the castmembers who attended the reunion. Read More... http://feedproxy.google.com/~r/thr/television/~3/2s-3HUjIv2A/story01.htm
In his 200-plus years on Earth, I wonder if Henry Morgan has had a chance to watch much TV, especially teen dramas. Well, whether Henry has or has not, Forever will soon find itself dealing with a cast member from one of the most popular teen dramas of all-time, as One Tree Hill star Hilarie Burton, who played Peyton Sawyer on The WB/CW series for six seasons, has landed a guest role on the new ABC drama. Read more... http://www.tvovermind.com/forever/one-tree-hill-star-hilarie-burton-appear-abcs-forever-243394
The cast is still as tight as ever. Read More... http://feedproxy.google.com/~r/thr/television/~3/vz09w2cxoJ0/story01.htm
Marvel's Agent Carter has brought on two new television fan favorites. Dollhouse star Enver Gjokaj and One Tree Hill actor Chad Michael Murray have joined the upcoming ABC series, Marvel announced on its official website . Read More... http://www.thewrap.com/marvels-agent-carter-casts-dollhouses-enver-gjokaj-one-tree-hills-chad-michael-murray/
It has been two years since One Tree Hill ended it astounding nine season run on the now defunct WB and still thriving CW. The stars of the teen drama have been able to find more projects after the show's end. Sophia Bush, who played Brooke Davis, can now be found keeping the streets of Chicago clean on the NBC drama Chicago PD, while James Lafferty starred on the now cancelled action thriller Crisis. Take a look at these fifteen interesting facts about the drama that also starred Chad Michael Murray and Hilarie Burton. Even the biggest One Tree Hill fans may find out something they did not already know. Read More... http://www.tvovermind.com/lists/15-things-didnt-know-one-tree-hill-236802
Tyler Hilton is trading in his guitar for a computer, reports The Hollywood Reporter . The musician and One Tree Hill alum has signed on to CBS' sci-fi drama Extant opposite Halle Berry . He'll recur as... http://www.tvguide.com/News/Tyler-Hilton-Extant-1081139.aspx?rss=breakingnews
Zap2it: After your long run as Brooke on "One Tree Hill," how are you adjusting to playing a police detective on "Chicago PD"?Sophia Bush: It feels like a perfect job for me, and that's something that makes it really exciting to get up and go to work every day. I'm not going to lie; I have a really hard time when we're shooting outside and the wind chill is 6 below ... but I love the city.I think it has such a personality, and the incredible dichotomy of culture and spirit that exists within the city gives it such an incredible character. Chicago is really the backdrop for everything in our show, and it feels personal. It doesn't feel like just a location, but like the heartbeat beneath everything that we do.Zap2it: You got to develop a character over the better part of a decade on "One Tree Hill." How is it for you to... http://blog.zap2it.com/frominsidethebox/2014/01/chicago-pds-sophia-bush-this-is-the-perfect-job-for-me.html
"One Tree Hill" fans, prepare to feel old: Monday (Sept. 23) marked the 10 year anniversary of the Season 1 premiere.The WB/CW teen soap that touched so many lives, changed the TV landscape, and became a pop culture event is now a decade old. Has it really been that long since Lucas and Nathan first battled out their long-simmering sibling resentment on the River Court? Since Peyton's car broke down, and she and Lucas had their first real conversation? Since we were first introduced to Dan Scott's evil ways? Since we met the all-around perfect mom in Karen Roe? Since we first saw the Tree Hill Ravens?In the nine seasons since that fateful premiere, all the characters grew into completely different, wonderful, unique people, and we as an audience grew with them. To celebrate the monumental milestone, here are 10 classic "One Tree Hill" episodes to binge watch on the 10 year anniversary of... http://blog.zap2it.com/frominsidethebox/2013/09/one-tree-hill-celebrates-10-years-since-season-1-10-episodes-to-re-watch-a-decade-later.html

subset: commoncrawl


text:
Dry Electric, Great Hormead
- Name:
- Dry Electric
- Address:
- Snow White Cottage
- Postcode/City:
- SG9 0NT Great Hormead
- County:
- Hertfordshire England
- Phone:
- 01763 28928501763 289285
- Website:
- www.niceic.org.uk
Updated more than 6 months ago | Claim This Business| Report Incorrect Data
Dry Electric electrical contractors is part of NICEIC (National Inspection Council for Electrical Installation Contracting) privately owned body, electrical contracting company. NICEIC has over 25000 approved contractors providing top quality services such as: electrical engineering, electrical service, electrical installations. Be sure you choose to spend your money on the best electrical contractor in Buntingford. You can find Dry Electric at Snow White Cottage.
Keywords:Electricians, Electrical Services, Electrical Contractors, Niceic, Voluntary, Independent, Body, Installations, Contracting, Industrys
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New England Patriots - Page 11
Ravens Not Fearful Of Match-Up In Foxboro
Two High-Profile MA Trials Set To Begin Next Week
Two of the most anticipated trials in recent years will begin this coming week. Monday, Jan. 5th, marks the beginning of jury selection in the Boston Marathon Bombing trial while the murder trial involving ex-Patriots tight end Aaron Hernandez will begin to select jurors on Friday, Jan. 9th. Details from the Associated Press below.
Patriots Rest Starters, Set Sights On Playoffs
The New England Patriots lost their last regular season game Sunday to the Buffalo Bills, 17-9 at Gillette Stadium.
Five Patriots Named To Pro Bowl
Hernandez Back In Court For Final Pretrial Hearing
Amendola Fills Void For Pats
In Sunday's nail-biting 17-16 win over the New York Jets, the New England Patriots were without one of their most effective and dynamic offensive weapons; Julian Edelman. While Edelman's absence created a big whole in the Pats' offense it was nicely filled by little-used Danny Amendola.
Pats Hold Off Jets, Clinch First Round Bye
The New England Patriots did not play their best game Sunday against the New York Jets, at MetLife Stadium, but they managed to play well enough to sneak away with a 17-16 win and guaranteed first round bye in the playoffs.
Pats Win Ugly, 17-16 Over Jets
Pats Sink 'Phins, Capture AFC East Title
The New England Patriots claimed their sixth consecutive AFC East title with a convincing drumming of the Miami Dolphins that started out as anything but, yesterday at Gillette.


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Place your fingers on your pulse and feel your heartbeat. If you're sitting at rest, every beat you feel is accompanied, somewhere in the world, by two or three people running to the end of the time nature allotted and being annihilated forever.
Short term solution is exactly that. People are dying RIGHT NOW. And cryonics is a way to potentially save those lives RIGHT NOW.
The following is merely my own intuition and guess, but... I suspect that the future will look back on this era, see that we had cryonics and CHOSE not to use it, and condemn current funeral practices as systematic murder.


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I was diagnosed with RA in Feb 2010-started on prednisone 10mg ended up going to 40mg with little relief-started on paquinel and methotrexate im-still little to no relief. My main area of pain and swelling is my fingers,hands,wrists. I was started on remicade 400mg after 4 doses not much relief so upped the dose to 600mg have had two doses of this 4 weeks apart and I still have quite a bit of pain and swelling-I have pain in my ankles and feet now as well as hands. I was wondering is this typical--to have such trouble getting RA under control? I also have fibromyalgia, degenerative disc disease(have had 1 fusion c4-5 and really need another at c5-6,along with 4 other bad discs in my lower spine) I also have carpal tunnel and celiac disease,and some areas of osteo arthritis. I do realize I am not a simple patient but I am getting really discouraged with such minimal results on all these meds. I'd really appreciate any info. Thanks-kim
I would like to know about how long does it take for remicade to start working?
- Posted:
- 4 Nov 2010 by kaloeding
- Topics:
- remicade, rheumatoid arthritis, celiac disease, pain, fibromyalgia, methotrexate, prednisone
Responses (2)
pain meds, sorry
5 Nov 2010
The remicade worked right away for me (300 mg with 7.5 mg weekly methotrexate), although not working as well now as during the loading dose period, but as I am still losing weight my rheumatologist is reluctant to raise the dosage til I'm done. Perhaps you ought to talk to your rheumatologist/healthcare provider as it sounds like the remicade may not be the solution for you?
Wish you luck! Take care and be well, Lady of Howard
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Ash reshteh
From Wikipedia, the free encyclopedia
(Redirected from Ash Reshteh)
Iranian thick soup, ash reshteh, mainly consisting of herbs, beans, and noodles.
|Alternative names
|آش رشته, ashreshteh, ash-reshteh, ash reshteh
|Thick soup
|First or main (optional)
|Place of origin
|Main ingredients
|Herbs, beans, lentil, noodles and turmeric
|Pinto Beans can be replaced with kidney beans
|Other information
|A vegan dish if served without kashk
|Cookbook: Ash reshteh Media: Ash reshteh
Ash reshteh (Persian: آش رشته) is a type of āsh (thick winter soup) commonly made in Iran and Azerbaijan. The ingredients used are reshteh (thin noodles), kashk (a whey-like dairy product), herbs such as parsley, spinach, dill, spring onion ends and sometimes coriander, chick peas, black eye beans, lentils, onions, flour, dried mint, garlic, oil, salt and pepper.[1]
See also[edit]
|This Iran-related article is a stub. You can help Wikipedia by expanding it.
|This soup-related article is a stub. You can help Wikipedia by expanding it.


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Board members...please remember to 'fix the turkey and the cornbread' because it is the all American food...! $tagg...!
American Patriots join with Washington and Lincoln in giving thanks for God's Guidance in fashioning our Constitution and the blessings which have flowed from it. Our willingness to accept the duties of Patriots to ourselves and our Posterity.
As we sit down to great abundance let us not forget our fellow Americans who increasingly cannot afford meat on their table.
But most especially we should ask forgiveness for the millions of human beings who will go hungry this day due to corn ethanol corruption. .
Let God touch the heart of those who steal from the mouths of the poor and helpless for nothing but personal gain. Their danger is certainly greatest of all.
With Ethanol, Obama Ignores Common Sense
By Diana Furchtgott-Roth
WASHINGTON--Since being re-elected, in a triumph of political loyalty over consumer protection, President Obama has refused to waive the federal requirement that 13 billion gallons of corn-based ethanol be blended in 2013 with gasoline.
In making that decision on November 16, Mr. Obama brushed aside evidence that dedicating corn to ethanol, rather than to animal feed and other food uses, has contributed to a rise in prices. Corn prices are up nearly 40 percent over the past year, and wheat prices are up by 20 percent.
One apparent consequence: prices for corn-fed meat are on the rise. U.S. beef is now $4,900 per ton, up from $3,900 in 2009.


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In recent years, the Internal Revenue Service (IRS) has been more amenable to working out late tax payments (usually by installment agreements.) But you have to address the problem up front, and don't keep Uncle Sam waiting on his tax money.
Back in 2011, the IRS rolled out its Fresh Start program, geared toward giving late-paying Americans a path back to paying off their tax liabilities.
"We are making fundamental changes to our lien system and other collection tools that will help taxpayers and give them a fresh start," IRS Commissioner Doug Shulman said at the time. "These steps are good for people facing tough times, and they reflect a responsible approach for the tax system."
The IRS particularly focused on the following changes:
- Significantly increasing the dollar threshold when liens are generally issued, resulting in fewer tax liens.
- Making it easier for taxpayers to obtain lien withdrawals after paying a tax bill.
- Withdrawing liens in most cases where a taxpayer enters into a Direct Debit Installment Agreement.
- Creating easier access to Installment Agreements for more struggling small businesses.
- Expanding a streamlined Offer in Compromise program to cover more taxpayers.
From a taxpayer's point of view, it's great to see the IRS offering more options for Americans struggling to keep up with their tax payments.
But if you do fall behind, don't just stand there – take the following steps to resolve your debt with Uncle Sam.
Always File Your Return
If you owe the IRS an amount that you cannot pay in one lump sum with a return, it is important to file the return anyway, says Lawrence Brown, an attorney in the office of Brown P.C. in Fort Worth, Texas.
"This will reduce some of the penalties," he explains. "Occasionally clients tell us that they did not file a return because they were unable to pay the tax due. This usually causes them to pay penalties that are significantly greater than they would have paid had they at least filed the return."
IRS Problems (Especially Collections Issues) Do Not Get Better with Age
Brown says it is always best to deal with these issues up front and in a proactive manner. "The IRS will not immediately pursue you for delinquent tax penalties and interest," he says. "In many cases it will take months before the IRS begins collection efforts."
At first, collection efforts can seem benign, consisting of only computer generated letters. At some point, however, the IRS will begin very aggressive collection tactics, including wage levies in which the IRS contacts your employer advising that you have delinquent tax liabilities and that any wages that would be paid to you should be paid to the IRS. "In short, once the IRS begins aggressive collection activity, your reputation can be damaged and you can be crippled financially," Brown adds.
Go For an Installment Agreement
The IRS is usually quite amenable to installment agreements or compromise offers. Under an installment agreement, a taxpayer pays the amount due over a period of time. An offer in compromise involves the taxpayer paying in one lump sum, an amount that is less than the amount actually owed. Whether the IRS will accept an installment agreement request or an offer and compromise depends largely on your financial condition. If you have the money or assets to pay the liability, the IRS will not compromise, nor will they allow an installment agreement.
Note that when you submit a request to the IRS for a payment plan, you will have a better chance of success if you:
- Let the IRS know you'll pay the debt off within five years – but ideally within two years.
- Aim higher. The monthly payment you negotiate with Uncle Sam should be equal to or higher than what the government believes it can garner from you from a negotiated agreement initiated by the IRS.
- The regular (usually monthly) tax payment you introduce to the IRS should be tied to existing IRS criteria. For example, you should subtract household expenses from your total income. Then cut a check for the difference to the IRS.
Stick to Your Payments
Do not fail to make your payments on time to the IRS. If you violate the terms of your payment arrangements, the IRS will attach and seize property that you own, including bank accounts and even the mortgage on your home. However, if you speak with them in the event that you are having problems making your payments, you should be able to work through it. Being up front with the IRS is the key – they do not like surprises.
Get Professional Help – but Beware
A professional representative can usually be of significant help in negotiating the most favorable possible compromise or installment agreement. That said, beware the "pennies on the dollar" firms or 1-800 number firms that advertise on late-night television, Brown says. "In many instances these firms will simply take a client's money and perform no or minimal services," he explains. "Many of these firms have been prosecuted in their states of origin for unlawful and deceptive business practices." If you are interested in obtaining representation, interview two or three potential firms in your city," he advises. Make sure that IRS tax controversy and IRS collection resolutions are the backbones of their practices. Many attorneys and Certified Public Accountants (CPAs) do tax planning but rarely interface with the IRS. It's important that your representative has deep experience negotiating with the IRS in back taxes payment cases.
The Bottom Line
Nobody is saying that the federal government is getting all warm and fuzzy about late tax payments. However, the IRS does offer more programs than ever before for Americans to get back on track with their taxes. The key is to act quickly and find a resolution as soon as possible.
6 Tax Deductions That Might Get You AuditedIncorrect or liberal interpretations of what you can write off will often lead to the IRS taking closer interest in your filings. Knowing the rules behind these six tax deductions will go a long ...
Common Tax Mistakes To AvoidFind out what mistakes people often make on their returns, and how to avoid them on yours.
Can The IRS Restrict Your Travels?The U.S. Senate recently allowed a measure for the IRS to revoke your passport. Here's what you need to know.
Politicians Who Skipped Out On TaxesTheir salaries depend on people paying taxes, but these politicians avoided paying taxes themselves.
Tax Avoidance Or Illegal Evasion?Find out how to avoid the most common tax filing mistakes and audit triggers, so you can deduct with a clear conscience.
5 Famous Tax CheatsThese five famous Americans tried to dodge the taxman and got caught. Find out who they were and what they owed.
How ETFs May Save You ThousandsBeing vigilant about the amount you pay and what you get for is important, but adding ETFs into the investment mix fits well with a value-seeking nature.
How to Protect Your Portfolio from a Market CrashAlthough market crashes are usually bad news for your portfolio, there are several ways to minimize losses or even profit outright from market movement.
How Are 401(k) Withdrawals Taxed for Nonresidents?As a U.S. nonresident, deciding what to do with your 401(k) after you return home comes down to which tax penalties, if any, you're willing to incur.
Here's How to Deduct Your Stock Losses From Your Tax BillLearn the proper procedure for deducting stock investing losses, and get some tips on how to strategically take losses to lower your income tax bill.
Can my IRA be taken in a lawsuit?Whether your IRA can be taken in a lawsuit depends largely on your state of residence and the judgment in question. There ... Read Full Answer >>
Why is the Cayman Islands considered a tax haven?The Cayman Islands is one of the most well-known tax havens in the world. Unlike most countries, the Cayman Islands does ... Read Full Answer >>
Why is Panama considered a tax haven?The Republic of Panama is considered one of the most well-established pure tax havens in the Caribbean due to extensive legislation ... Read Full Answer >>
How do I get out of my annuity and transfer to a new one?If you decide your current annuity is not for you, there is nothing stopping you from transferring your investment to a new ... Read Full Answer >>
Are Cafeteria plans exempt from Social Security?Typically, qualified benefits offered through cafeteria plans are exempt from Social Security taxes. However, certain types ... Read Full Answer >>
Why is Andorra considered a tax haven?Andorra is one of many locations around the globe considered a tax haven because of its relatively lenient tax laws. However, ... Read Full Answer >>


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RV Lots for Sale near Tampa, FL
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RV Lots for Sale near Tampa, FL. Looking to buy a rv lot? RVParkStore.com has 13 rv lots near Tampa. Click here to list your rv lot for sale.
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RV Lot in Emerald Point RV Resort
Emerald Point RV Resort, Zephyrhills, Florida
Multiple lots for sale by owners. Most have at least a cement pad and a shed. Some have Florida Rooms/Cabanas/Lanais. Others are Park Models...
30.0 miles
Holiday Cove RV Resort
Holiday Cove RV Resort, Cortez, Florida
Luxury RV resort, just 1/4 mile to Gulf of Mexico beaches, on-site boat slips, all paver sites, lushly landscaped for privacy, heated pool, ...
35.7 miles
Holiday Cove RV Resort -- Lot 78
RV lot for sale in beautiful Holiday Cove RV Resort, Bradenton, Florida, 1/4 miles from Anna Maria Island. Holiday Cove is a 5-star resort, ...
35.8 miles
Holiday Cove RV Resort
Here is an Exciting & Limited Opportunity To Own an RV Site and Boat Slip On Florida's Beautiful West Coast with lots starting at $128,0...
35.8 miles
Mount Olive Shores South
Mt Olives Shores, Polk City, Florida
Built In 2010, 200amp. Electric, Tile Floors Kitchen And Bath Baboo Floor Living Room And One Bed Room 2X6 Walls, Insulated Windows Fin...
39.6 miles
Mt. Olive Shores North 2 LOTS AVAILABLE
Mt Olive Shores North Sales, Polk City, Florida
Awesome deal: 2 lots (174 and 175) for the price of 1 ($50,000.00). Gated community, build pad, home, cottage or combo. Amenities: Two La...
41.2 miles
Camp A Wyle
Large deeded lot, suitable for RV or PARK MODEL, on Florida's nature coast, 3 miles north of US 50 on US 19. Lot has a 10x16' insulated shed...
43.1 miles
Bay Lake Motorcoach Resort, Polk City, Florida
This RV LOT with CASITA is in the Class "A" +55 BAY LAKE MOTORCOACH RESORT, located off I-4 at exit 44, 12 miles E of Lakeland and 30 miles ...
43.4 miles
RV Lot in Torrey Oaks RV & Golf Resort
Torrey Oaks RV & Golf Resort, Bowling Green, Florida
Torrey Oaks RV Resort for motorhomes and 5th wheels in West Central Florida, one hour east of Tampa and Gulf Beaches, and approximately one ...
44.3 miles
RV Lot
Available for sale/rent by owner two adjoining premier lots across from golf course. Golf 18 holes, putting green, and practice area with fr...
44.3 miles
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Day 21 -- My Mind is Slipping
... t take long to
forget about all of the things that I've done. At least to forget about the minute
details that make it worthwhile. So I will have to post pictures for those days
and hopefully the story will come back to me.
I will try and fill in some of the last days later on as I have time, but for now…
If you are reading this,know that I am safe, and having the time of my life! ...
Day 132
A lovely walk along the beach in the wind, blew away the cobwebs. We then set off back up the hill to find a shop to buy milk and bread. We stopped at a village called Tsagarada where the plane tree in the centre is said, 'To be one of the largest and oldest in Greece'. We managed to get our few supplies at the local shop. . We then continued along the main road to Milies, where the 1895 narrow gauge railway begins/ ends, The train is known locally as 'The little train'. There is ...
Day 131
A bit if exercise in the beach to start the day, well for Logan anyway. Then we start the long climb back up from the coast to the main road around the peninsular which runs around about half way up the mountains, with roads that cut across the top at intervals along it. We stopped to buy diesel and then to call at the postal agency. We parked, checked emails as there is signal just here and walked to the postal agency. It was closed, off again to the next ...
Trains, Planes & Automobile's
... then a coach to Volos which is where we are tonight. It is 29 degrees which is a welcome surprise for us.
We trudged from the coach station to the hotel and I was sweating so much that I had sweat on the top lip, you know your sweating when the top lip is wet. After a lovely meal tonight and a cheeky vino we are settling down for a quiet night before our ferry tomorrow. This Island is hard to get to this time of year but I believe it to ...
There's Only 1 Reason to Come Here
... sandwiches. We then continued down the street and stopped at another restaurant. Here we used the internet for hours and had beers and stuffed peppers. I have to say these peppers were some of the best I have ever had in my life, and the only reason anyone would ever want to come to Volos. We headed back to the ship late afternoon and watched tv and read, before heading to dinner. We went to bed early since we have another early and packed day tomorrow.


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Campus Housing:
It's a great way to meet other students and bond.
Campus Housing:
The facilities are nice some nicer then others. They are doing updates and some of the updates are great.
Campus Housing:
The process is all about luck. Some people will get one of the better dorms like University Towers or the Cuic Suites, and others will get the worse dorms like Chappy. Each dorm has its own perks though. Chappy has a good residence community while University Towers has a Jack and Jill style set up (1 bathroom shared between 2 rooms). Overall I would recommend doing campus housing your first year at state.
Campus Housing:
For someone who lived out of the state I felt very welcomed. There was so much for me to do and be apart of that I never really felt like I was alone.
Campus Housing:
I stayed in Zura Hall, the oldest dorms on campus. It provided the typical dorm experience, but the building was extremely outdated, both externally and internally. The bathrooms were not the greatest, and there were always plumbing problems. I have never had any problems, but some of my dorm buddies had A/C or heater problems. It was in desperate need of a refurbish -- thank goodness they are getting that done this year for the incoming freshmen!
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On-campus housing at San Diego State is an area that needs great improvement. While there are other options available for those who do not want to live in the traditional dormitories, those that do end up living in dorms such as Zura and Tenochca are genuinely displeased. Zura Hall is regarded as the worst living option, followed by Tenochca and University Towers. Dormitories at other schools are in much better condition, and the ones currently offered by the Office of Housing Administration are extremely outdated. Currently, there are no plans to renovate the dormitories anytime soon, but hopefully the administration is noticing what other schools are offering and they will soon change their mind. In the meantime, Cuicacalli Suites offer a much more pleasant experience if you are lucky enough to get in and wealthy enough to fork over the extra cash.
Compared to other schools, San Diego State is far behind in the quality of its standard dormitories. The school needs to update its dorms or it risks losing students to other apartment complexes and housing facilities. Even though the quality of these traditional residence halls lags behind, it is still the place you want to be if you're looking to meet lots of new people your first year at school. Living in the dorms is quite an experience, and I think that everyone should do it for a year regardless of the quality of the facilities. Cuicacalli Suites and Piedra Del Sol Apartments offer a much nicer environment, though meeting new people is not as easy as in the traditional residence halls. Overall, the school has a lot of options, and one of them is sure to appeal to you. But even with a variety of living options, campus housing is in need of major improvement.
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|By Marc Middleton | December 26, 2012 | Comments
- In a WWE App exclusive video from Monday's Christmas Eve RAW, Aksana lures new WWE announcer Tony Dawson away from his job. Matt Striker usually hosts WWE's "second screen experience" but Dawson took over this week. Here's his segment with Aksana:
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