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241 Home Remedies for EaracheSubmit your Home Remedy for Earache
Vapor rubVapor rub on cotton in the ears works wonders. My roommate is really sick and I had her try it due to tons of suggestions from people. It works amazing... Instant relief...
December 17 2015
Eli from Colorado
19 4
3 tried and trueAfter thankfully stumbling upon this page I read several interesting remedies and decided to try out two. Which happened to be Vicks and warm/hot compress and it seemed to help with the pain for a bit but then it returned. I had my bf run to Walgreens to get Hyland's earache drops(a homeopathic alternative) and I must say these drops are fabulous and they truly helped alleviate the remaining pain.
I then put a garlic clove in my ear(not all the way in) then I set it with another warm/hot compress. It's supposed to help infection. All in all, I wanted to prevent further pain so I guess you can say I was pretty desperate to try out all three!!! But hey, I'm pain free and I feel good! Desperate times call for desperate measures!
December 01 2015
Ev from Chicago
10 5
EaracheTake a cotton ball and absorb with olive oil, insert into your ear and leave it.
October 25 2015
Karen from Phila.
5 15
Keep tryingWell this worked for me. I wake up with a sore and block ear. AND I'm the only one awake. I came onto this site and gave it a try 2 things worked the shower of the steam kinda soothed my ear and the vapo rub unblocked it but I was still sore I took a tablet. But my mum gave me tiger balm from asia and it worked. Just apply it around your ear not too much cuz its strong wait 10-15 min and hell is gone.
October 24 2015
Jess from London England
9 9
Vicks and heat!Even though there are many just like this one on this site. Vicks Vapo rub and heat work wonders! I woke up at 5:15 with a throbbing ear ache, almost brought me to tears, jumped online after heating up a washcloth and found the best remedy. Put Vicks on a cotton ball, not to much! Excess you can put around your ear. Place the cotton ball in your ear to block the air from hurting your damaged eardrum, run a washcloth under hot water for 5 minutes, lay down and place the wash cloth over your ear! Once I did this I had instant relief!
The ringing is still there but the horrendous pain I woke up with is gone, I also suggest as soon as you get it to subside FALL ASLEEP. You'd rather be getting rest as it heals then sit up wondering if it's going to heal. :)
October 22 2015
Brandi from New York
19 3
Ice packI woke up at 2am with a bad ear ache. I went on a couple different websites and on one I found something that seemed like it would work. It said put an ice pack or sock full of rice on your hurting ear. I choose the ice pack. It helped do much and I was able to go back to bed.
October 16 2015
Bob from Ohio
10 4
ShowerI took a shower at 2:34am and then I dried my ear and put some ear drops in my aching ear. I would really like to sleep at night but with an ear ache I know that's hard for some people I have had this ear ache for three days now and nothing has seemed to work so far but the shower helped a lot so does some ibreprophren and ear drops! TRY IT,IT REALLY WORKS!
June 29 2015
Harlir from The United states
8 12
Owwww!!!Omg, so this may sound weird, but all I have to say is finger in the ear!!! Okay, bear with me. I'm 14 and I have a date tomorrow, so you can believe I want to get rid of my terrible earache. It hurt so bad, so I took my index finger and placed it inside of my ear and then my thumb and made kinda like a V with it outside my ear and began to rub both fingers up and down and in little circles GENTLY until I heard popping in the ear.
When I heard the popping I kept going. After about 5 minutes of that I washed my hands and took some ibuprofen and FINALLY went to sleep. It was such an easy way to get rid of it without waking up my parents. Yay! Date time!
June 11 2015
Reina from Somewhere
26 24
Thank godI was trying to find something to get the pain away and I found this page and I saw that almost everyone did the vicks thing so I tried it and it worked! Now I can go back to sleep try it.
June 10 2015
Paulina from San Antonio
20 11
Do not put hydrogen peroxide in your earIt eats the flesh that is in your ear it feels like it is helping but its not trust me I am 14 and it does not help.
June 01 2015
Madkid from No were you need to know
10 27
Vicks and hot damp wash clothI found this remedy on here and it worked right away. My 6 year old was in tears over the pain. I put Vicks around his ear and then I put some on a cotton, placed it in his ear like an earbud and then put a warm wash cloth over it. He fell right to sleep. Thanks guys.
May 20 2015
Alicia from Brooklyn
30 15
Works as I seenI have been covering from a chest infection and turned out to get a bad ear ache from 7 to half past 1 in the morning tried loads of things did not work then I tried rubbing Vicks around your ear not in your ear and getting a hot water bottle cloth etc and placing it in your ear for as long as u need. Might not stop the pain completely but lowers the pain right down to where u can get back to rest.
May 06 2015
Laddie from UK
5 6
Submit your remedy for Earache


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I didn't watch Wolf Blitzer's interview of Dick Cheney, but I did view some clips of it and then found the transcript online. One word to describe it: frightening.
Bush makes me a little nervous because he doesn't always seem all that sharp. That could be an act, but Cheney appears as secretive, mean, pompous, and dare I say . . . evil.
Let's forget who's in what party for a minute. If anyone in government is acting as pompous and secretive as our Vice President, the people have a duty to be concerned. If he puts on such an act during prime time TV, what the heck is he like behind closed doors? Shudder, shudder.
I've heard that this administration is the most secretive in recent memory. Now I believe it. And I'm very, very worried. Though we have less than 2 years left with it.
Surely there isn't enough time to invade another country . . .
Technorati Tags: Vice+President – Cheney – interview – Blitzer

subset: commoncrawl


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New Program Development Coordinator for Nursing Program
Dr. Michael G. Scales recently announced the appointment of Dr. Inseon Hwang as Program Development Coordinator and Assistant Professor in Nyack's nursing program, which will grant the Bachelor of Science in Nursing. Thrilled with this new appointment, Dr. Scales says, "We are blessed beyond measure to have found someone like Dr. Hwang. In addition to her exceptional education, credentials, and experience, her ability to work in a multi-cultural setting is outstanding and consistent with our core values."
Dr. Hwang earned her Doctor of Nursing Science degree at Columbia University School of Nursing and both the Bachelor of Science and Master of Science degrees in Nursing at Ewha Womans University in Seoul, Korea. She is a member of Sigma Theta Tau International, the Honor Society of Nursing, and was a recipient of the Predoctoral Minority Fellowship from the National Institutes of Health.
A registered nurse in both New York and California, she is currently a family nurse practitioner and a facilitator for the Visiting Nurse Service of New York. Dr. Hwang has co-authored several published papers, which have appeared in professional periodicals such as the American Journal of Public Health and the Journal of Public Health Management Practice. She has also made presentations at the Mid-Atlantic Meeting of the Society of General Internal Medicine and the American Public Health Association.
Committed to community outreach, Dr. Hwang serves as a volunteer nurse for the Korean Community Services of Metropolitan New York. She previously volunteered with AIDS Case Management at Westside Community Mental Health Center in San Francisco, CA and at the Community Health Center in Ewha Womans University in Seoul, Korea.
Dr. Hwang's office is currently located in Shuman Hall on the Rockland County campus.
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Hi. I'm Mary Beauchamp. I am a Registered Nurse and a mother of 4 children. My number one goal is to help busy people make an easy transition to a low carbohydrate lifestyle, because it supports healthy blood sugar levels. The first step in reversing disease is to get your blood sugar under control.
After 20 plus years of experience in the health care industry, I know that balancing the blood sugar alone, is the quickest way to reverse weight gain, prevent obesity, Type 2 diabetes, gestational diabetes, auto-immune diseases, heart disease, cancer and so much more.
A low carbohydrate lifestyle targets the underlying, root cause of almost every major disease in our culture--and it is so easy to implement once you know a few simple steps to follow.
The bottom line is, your body puts on fat when you fuel it with the wrong fuel source. Most people are fueling their body with the wrong fuel because we've all been taught to eat the wrong things! Even medical professionals, like myself.
While a little extra belly fat may feel like small nuisance, it is often one of the first signs of insulin resistance, hormone imbalances and metabolic syndrome. If this is ignored, it can progress into chronic disease and dependency on drugs like insulin. At that point, it becomes a serious nuisance that you do NOT want to deal with, later.
Walking around with extra body weight is like driving your car with the check engine light on--and ignoring it. You do not want to suffer from what's next! If you know someone with diabetes, you know what I mean. Don't wait! If you do nothing about your check engine light, you will only get more of whatever you already have. I want to help you before it's too late.
I make switching to a plant based, low carbohydrate diet simple and easy enough for kids to implement. Clients of all ages and my own kids love eating this way because it saves them hours in the kitchen wondering what to eat and preparing costly and complicated meals.
If you have not discovered the miracle of micronutrient rich, high fat blended smoothie drinks, you are in for a delicious treat! They will save you money, time and a lot of confusion and frustration. If you want to know more, let's talk live! I am here to help you every step of the way on your journey to better health.
It's time to take a leap of faith when the pain of staying put exceeds the fear of the unknown. ~ Lissa Rankin Mind Over Medicine
Mary Beauchamp, R.N.
Chris Williams
"I knew I needed to do something about my health, but I wasn't sure where to start. What a gift to have discovered Mary. As a busy entrepreneur and mother of four children, I did NOT want one more thing to do! Instead, I found this whole process simplified my life in the kitchen and ended my constant confusion about what I should and shouldn't be eating everyday. My whole body was able to relax: like being on a retreat in my own home! What surprised me most was my mental clarity and how much easier I could focus my attention. My sugar cravings totally disappeared and I lost 6 pounds in the first week! I was so excited about losing the weight and how my body felt--that I continued for another 7 days!" Program Link
Sonika Tinker
"Thank you for a WONDERFUL experience! Wow! Working with Mary was simple, easy to do, I was NEVER hungry, and I lost weight! Your smoothie recipe kept me full and content ALL DAY! I never felt better! Clear-thinking, energetic, vibrant, and able to thrive on very few hours of sleep. I felt so GREAT that I have decided to do it all over again for another few weeks. In fact, I think you have changed my diet FOREVER, because the thought of re-introducing sugar, wheat and meat just seems very NOT RIGHT to me now. The best money I ever spent. Thank you for doing what you do! I am going to celebrate, by taking another sip of my new side-kick green smoothie!" Program Link
Sherri Siperly
"When I finished, I felt informed, empowered and confident about making decisions about health choices for myself and my son. There are so many different approaches and opinions bombarding people on the best direction for well-being that it can be
overwhelming. I found your research to be sound, detailed and proven for me personally, as well as, your accessibility for support was vital and an additional key to my success." Program Link
Ruby Beauchamp
"Of all the diets I have done (and I have done a lot: Paleo, Eating For Your Blood Type, Atkins, Vegan, Vegetarian…) I have to say, I like this one the very best! Although I did it, originally, to get into a lower wrestling weight class, this has become a "lifestyle" for me that I will stick with forever, because of how it makes me feel. I "fell off the wagon"
after two months and I was shocked at how poorly I felt: I had very little energy and insatiable hunger… This is a diet that has stuck with me and will be with me forever! Thanks!" Program Link
Do not take this information as personal medical advice. Do not change your diet or exercise program without the advice of a qualified health care professional or physician. This information is not intended as medical advice, but rather a sharing of knowledge and information from the research and experience of the author. The publisher and the author encourage you to make your own health care decisions based upon your research and in partnership with a qualified health care professional. You and only you are responsible if you choose to do anything based on what you read.
Copyright © The Infinity Kitchen 2015 - All Rights Reserved


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Take On Payments, a blog sponsored by the Retail Payments Risk Forum of the Federal Reserve Bank of Atlanta, is intended to foster dialogue on emerging risks in retail payment systems and enhance collaborative efforts to improve risk detection and mitigation. We encourage your active participation in Take on Payments and look forward to collaborating with you.
What's New
Federal Reserve Web Sites
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September 19, 2016
Mobile Banking and Payments—What's Changed?
This week, the Federal Reserve Banks of Atlanta, Boston, Cleveland, Dallas, Kansas City, Minneapolis, and Richmond are launching an online mobile banking and payments survey to financial institutions based in their respective districts. The purpose of the survey is to achieve better understanding of the status of mobile banking and payments initiatives, products, and services that financial institutions offer in the various regions of the country. The results of the survey at the individual district level should be available to participants by mid-December; a consolidated report for all the districts will be published in early 2017.
The last survey, which had 625 participants, was conducted in the fall of 2014. That was before the launch of the various major mobile wallets operating today, so it will be interesting to see what level of impact these wallets have had on the mobile payments activity of financial institutions. You can find the results of the 2014 Sixth District survey on our website. This survey effort complements the 2016 Consumer and Mobile Financial Services survey conducted by the Federal Reserve Board's Division of Consumer and Community Affairs.
First designed by the Federal Reserve Bank of Boston in 2008, the survey has been updated over the years to reflect the many changes that have taken place in the mobile landscape in the United States. Similar to past surveys, the 2016 survey looks to capture:
- Number of banks and credit unions offering mobile banking and payment services
- Types of mobile services offered or planned
- Mobile technology platforms supported
- Features of mobile services offered or planned
- Benefits and business drivers associated with mobile services
- Consumer and business adoption/usage of mobile services
- Barriers to providing mobile services
- Future plans related to mobile payment services
If your financial institution is based in one of the participating districts and has not received an invitation to participate in this year's survey, please contact your district's Federal Reserve Bank. For the Sixth District, you can contact me via email or at 404-498-7529. You can also contact me if you need assistance in locating your district's lead survey coordinator.
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
September 19, 2016 in banks and banking, financial services, mobile banking, payments | Permalink
September 12, 2016
Risk Mitigation Isn't Just for Banks
My summer in Atlanta wouldn't be complete without "shooting the Hooch." Friends and family gather upriver on the Chattahoochee River, bringing rafts, tubes, or kayaks for a chance to beat the pervasive southern heat. This year, towards the end of our two-hour float, we came upon Diving Rock, a crowded swimming hole where people stop to watch cliff jumpers. A jumper can choose either a 20- or a 30-foot freefall into the river below. As the family's "chief risk officer," when my eight-year-old son asked me if he could jump, I quickly assessed the inherent and residual risks of such an activity at this location. I concluded that our family was risk-averse in this situation and there would be no jumping.
Conversely, when my son asked if he could play tackle football, I decided we had an appetite for this type of risk. I don't want to detail all of the risk factors compared to the mitigation controls that went into my assessments and ultimate decisions. But looking at these two personal examples made me wonder: in a business context, who else is faced with important risk decisions? And who, besides banks, should be conducting constant risk assessments for their organization?
A tax preparer faces fines and, in extreme cases, jail time for filing returns with errors. Those who receive return-related penalties can also face suspension or expulsion of themselves or their entire firm, or other enforcement action by the IRS. Can a tax preparer be held liable for filing returns with errors even if unaware that the taxpayer was acting illegally? The tax preparer is held to the reasonable person standard, so if it is something he or she should have known, yes. But if the client omitted pertinent details, the tax preparer might have no way of knowing. Since the consequences are severe, should the tax preparer dig deeper and try to catch fraudulent client activity prior to submitting a return or keep blinders on?
I pay for monthly parking at a city garage. This week I found out that they monitor my activity closely with the access card I use. They know whether or not my car is in or out of the garage. They have triple-factor authentication to prevent parking space fraud. In order to get in or out, you need the weight of a vehicle at the gate with an authorized access card and the correct in and out record on the card in order to be provided pass through.
Doesn't it stand to reason that all organizations—whether they're responsible for tax preparation, parking space provision, or payment network access—in pursuit of success, whatever that is for them, should conduct assessments and implement mitigation controls in order to understand how customers engage in their services, especially if they can be held liable for those activities? Should payment services be any different and if so to what extent?
By Jessica J. Trundley, AAP, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
September 12, 2016 in banks and banking, risk management | Permalink
August 1, 2016
FFIEC Weighs In On Mobile Channel Risks
In late April, the Federal Financial Institutions Examination Council (FFIEC) released new guidance regarding mobile banking and mobile payments risk management strategies. Titled "Appendix E: Mobile Financial Services," the document becomes part of the FFIEC's Information Technology Examination Handbook. While the handbook is for examiners to use to "determine the inherent risk and adequacy of controls at an institution or third party providing MFS" (for mobile financial services), it can also be a useful tool for financial institutions to better understand the expectations that examiners will have when conducting an exam of an institution's MFS offering.
Consistent with examiners' focus on third-party relationships for the last several years, the document points out that MFS often involves engagement with third parties and that the responsibilities of the parties in those relationships must be clearly documented and their compliance closely managed. Other key areas the document reviews include:
- Mobile application development, maintenance, security, and attack threats
- Enrollment controls to authenticate the customer's identity and the payment credentials they are adding to a mobile wallet
- Authentication and authorization, emphasizing that financial institutions should not use mobile payment applications that rely on single-factor methods of authentication.
- Customer education efforts to support the adoption of strong security practices in the usage of their mobile devices
The document also identifies and reviews strategic, operational, compliance, and reputation risk issues for the various elements of a financial institution's MFS offering. The final section of the document outlines an examiner's work plan for reviewing an MFS program with seven key objectives. I believe that it would be time well spent for the institution's MFS team to assume the role of examiner and use the work plan as a checklist to help effectively identify and manage the risks associated with an MFS program.
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
August 1, 2016 in bank supervision, banks and banking, financial services, mobile banking, mobile payments, regulations, regulators, third-party service provider | Permalink
Looking forward to welcoming David Lott to our upcoming Next Money Tampa Bay meetup.
David will be our keynote on Wednesday, Sept 21, 2016 6:00 ~ 8:00 PM
Tampa Bay Wave Venture Center
500 East Kennedy Boulevard 3rd FL
Tampa Florida 33602
All are welcome to attend RSVP at
Posted by:
Bruce Burke |
August 6, 2016 at 05:22 PM
July 11, 2016
Surviving the Emerging Payments Providers
Predictions abound that emerging companies will dominate the remittance and person-to-person (P2P) payments space and financial institutions will be relegated to being a bystander. While I am not sold on their eventual dominance, I do think that emerging companies are creating positive changes. These changes have included new business models for financial institutions and traditional remittance providers who are able to offer their existing and prospective customers new, efficient payment choices. And as recently released financial and transaction figures show, some traditional players embracing change are poised to remain in their leadership positions.
I recently saw a speaker who said that one particular emerging digital remittance provider is the largest digital remittance business in the United States. However, I think the honor of the largest digital remittance transfer provider goes to a long-term remittance incumbent, Western Union. Though payments volume data are not available, revenue data do provide us with some insight into the size of these providers. According to Western Union's 2015 annual report, its digital money transfer services generated $274 million in revenues in 2015. As a point of comparison, three emerging companies (Xoom, Worldremit, and TransferWise) had combined revenues of $230 million. Though Western Union's online service represents only 6.3 percent of its consumer-to-consumer revenues, the segment grew by 26 percent in 2015.
In June, Chase announced changes to its digital P2P solution that will allow Chase customers to send and receive money in real time through ClearXchange with customers of Bank of America, U.S. Bank, and several other financial institutions. Chase's digital P2P solution has been a feature on the Chase mobile application and online banking website for several years now and was used in 2015 to send $20 billion in P2P payments. As a point of reference, the wildly popular emerging mobile and online P2P provider, Venmo, reported $1 billion in transfers during the month of January, up 250 percent from the prior January. With the additional reach of ClearXchange participants, Chase customers will now be able to digitally send and receive payments to 65 percent of the digital banking population in the United States, placing it in a position to experience significant growth to its digital solution.
With both remittances and P2P payments, online and mobile channels are seizing share from traditional channels. Even though the in-person agent model in remittances and P2P payments via cash and checks will remain a viable solution for many consumers, today's growth is being driven by digital models.
No doubt emerging players are threatening traditional companies for remittance and P2P dollars. However, financial institutions and established money transmitters are evolving, and based on the numbers, remain valuable payments providers. Given this environment, financial institutions and traditional remittance providers that don't evolve to embrace the digital remittance and P2P economy are at serious risk of losing share. And the threat isn't just coming from emerging companies. In fact, you can call me a traditionalist, but I think evolving traditional financial institutions and remittance providers are positioning themselves to remain the dominant providers of P2P and remittance payments.
By Douglas A. King, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
July 11, 2016 in banks and banking, emerging payments, financial services | Permalink
June 27, 2016
Between a Rock and a Hard Place?
Customer education encouraging safe payments practices has always been viewed by staff at the Retail Payments Risk Forum as a vital element in mitigating payments-related fraud. We have stressed this need time and time again in our posts as well as our numerous speaking engagements at payments-related conferences and events.
Financial institutions (FIs) have generally been identified as the group that should bear this responsibility as they own the account relationship, but with more intermediaries in the payments process, I think that others should also be involved. The advent of mobile banking and payments has introduced even more challenges since the financial institution doesn't get involved in the acquisition of the mobile device as that is normally handled by the mobile network sales representatives. My personal experience with these sales representatives is that once the device sale is done, they are more interested in selling me accessories or upgrading my data plan than they are teaching me about selecting and setting strong passwords or preventing malware and viruses from finding their way into my phone.
When I raise this issue with others, all too often I hear a pessimistic chorus that getting consumers to adopt strong security practices will always be a losing battle for FIs. They say that consumers will always choose convenience over security—that is, until they fall victim to fraud. And forget about any other player in the ecosystem taking on the education responsibility because if they have no liability for fraud losses, why direct funds to education when they could be deployed elsewhere?
The impact of fraud on a consumer's relationship with his or her financial institution has never been greater. We read every day about the increasing economic importance of the Gen Y or millennial segment. With an estimated 80 million people, they represent the largest segment of our country's bankable population. A late 2015 study by FICO on millennial banking habits revealed that 29 percent of respondents indicated that they would close all their accounts with a financial institution if one of those accounts experienced fraud. To make matters worse, one quarter of the survey participants indicated they would write a negative post on social media about their financial institution if they experienced a fraud incident.
So are financial institutions in a no-win situation? A ray of hope emerges from the same FICO study, which states that 41 percent of the millennials surveyed indicated that they recommended their FI to friends, colleagues, or family members after a positively handled fraud incident. Studies have consistently shown that payment security is a key concern of all customers, not just millennials. So although it may not seem fair that financial institutions have to shoulder most of the security education effort, the impact of not doing so could be significant. Perhaps it is time for a coordinated payments industry campaign to encourage consumers to adopt safer and more secure banking practices.
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
June 27, 2016 in banks and banking, financial services, payments, risk | Permalink
June 20, 2016
There's an App for That!
Few would question that mobile phones have had a considerable influence in our everyday activities. They provide a level of convenience and connectivity that also generates benefits to our personal safety and the security of our banking accounts and other assets. The Pew Research Center estimates that almost two-thirds of adults in the United States own a smartphone and 15 percent use them as their primary online access device either because they do not have broadband access at their home or have few other online options.
In recent blogs, I highlighted some key findings from the Federal Reserve Board of Governors' recently released Consumers and Mobile Financial Services 2016 report. The report includes a section of questions that probe how consumers use their mobile phones in financial decision making. Within the past year, 62 percent of mobile banking users with smartphones responded that they checked their balance before they made a large purchase. The power of that information is demonstrated in that for those who checked their balance or available credit, half didn't make a purchase as a result of having that information.
Forty-five percent of smartphone owners use their phone for comparison shopping at retail stores. Forty-one percent reported they use their phones to obtain product information while shopping at retail stores, and 28 percent use a barcode scanning application for price comparisons.
Though smartphone owners value the convenience phones bring to financial decision making, security and safety are primary concerns. A little more than half of the mobile banking users take advantage of the feature of receiving some type of alert from their financial institution. The most common alert cited was for a low balance, but 36 percent reported they also receive fraud alerts.
Later this year, a number of the Federal Reserve districts, including the Sixth District, will be conducting a survey of the financial institutions in their districts about the mobile banking and mobile payments services they offer. The Sixth District participated in this effort in 2014; you can find the results here. It will be interesting to see the changes that have taken place over the last two years, especially in light of the launch of the various mobile wallets, so stay tuned.
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
June 20, 2016 in banks and banking, mobile banking, mobile payments | Permalink
November 30, 2015
Half Full or Half Empty?
My colleagues and I in the Retail Payments Risk Forum participate as speakers or attendees in what sometimes seems to be a nonstop stream of banking and payments conferences that run from mid-September to mid-November. This effort is part of our mission to support the education of the stakeholders in the payments ecosystem with a focus on payments risk. We also use the opportunity to network with other attendees and vendors to stay on top of the latest developments and market solutions that are being deployed to combat payments fraud. These events also give us a chance to provide our perspective on trends and key issues involving payment risk.
At a recent fraud conference, I was on a panel discussing fraud trends and key threat vectors. The moderator of the panel revealed some results from Information Security Media Group's 2014 Faces of Fraud survey of financial institutions (FIs). There was a specific question about whether FIs had seen a change in the level of losses from account takeover fraud since the Federal Financial Institutions Examination Council issued its supplemental guidance on Internet banking authentication in 2011. That guidance directed financial institutions to evaluate "new and evolving threats to online accounts and adjust their customer authentication, layered security, and other controls as appropriate in response to identified risks." The survey results are shown in the chart below.
Source: 2014 Faces of Fraud Survey, Information Security Media Group
While the moderator and some of the other panelists seemed to focus on the 20 percent who said they had seen an increase in fraud, I had the perspective of the glass being half full by the 55 percent who indicated that the fraud had stayed about the same or decreased. Given the certainty that the number and magnitude of data breaches have increased and that the number of attempts by criminals to commit some sort of payment fraud through account takeovers was significantly up, I opined that since the fraud levels for the majority of the FIs had stayed at the same level or declined should be considered as a victory.
Certainly, I am not saying the tide has turned and the criminals are on their way to retirement, but I think the payments industry stakeholders should take some pride that its efforts to combat payment fraud are making some progress through the continuing development and deployment of anti-fraud tools. Am I being too Pollyannaish?
By David Lott, a payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
November 30, 2015 in banks and banking, crime, cybercrime, fraud, payments | Permalink
November 16, 2015
Is It Bigger Than a Bread Box?
The answer is yes and no. A payment card in physical form clearly is not bigger than a bread box, but it certainly is a symbol of something bigger. The card is an access device to an account. It could be a birthday gift to my favorite Italian restaurant, a debit card issued by my bank, a general purpose reloadable prepaid card purchased at my local pharmacy, or a card accessing a credit line, and the list goes on. You can't just say, "I used a plastic card to pay for my Italian dinner" and have someone know exactly which card type was used.
Let's play the classic 20-questions game, Take On Payments-style. I'll be thinking of a type of financial account, and you guess the type of account based on the 20 features below. Good luck!
- Allows you to earn interest on your account balance.
- Offers a loyalty program at selected merchants.
- Has no annual or monthly fee.
- Can be used at any domestic ATM.
- Can be used to pay bills.
- Allows person-to-person money transfers.
- Offers customer service 24/7.
- Offers cash-back rewards.
- Is usable for purchases in-person (POS) or online.
- Protects against unauthorized purchases and fraud.
- Allows access to account information via online or mobile application.
- Has budgeting features.
- Connects you to more than one account and allows you to manage multiple accounts under one main account.
- Issues mobile alerts.
- Has optional plastic card; can be all-virtual management.
- Offers mobile check deposit.
- Allows stop payments on previously scheduled transactions.
- Offers the ability to cover some purchase transactions over the account balance.
- Accepts direct deposit via ACH for payroll or other deposits.
- Allows you to order checks on the account and pay bills with a check.
Which account type did you guess? If I were to tell you that what I had thought of was a prepaid account, would you be surprised? I was thinking of prepaid as bigger than a bread box. It's not a card, or payment channel; it is an account type. Payment transactions are sent to and from a prepaid account just like a checking account. The financial institution and program manager determine the account name and features, and where accounts can be opened.
However, the payments industry needs to be careful that marketing differences don't lead to the misperception that these accounts are fundamentally different from checking accounts. If we let perceptions cloud the true purpose these accounts serve—it is essentially a transaction account, just sold differently—then regulations and risk controls may not address the actual risks. It is inconsistent to regulate transaction accounts offering the same services based on how the account was opened and the type of organization servicing the account, unless the regulation is addressing the actual risk injected at those points. In order for consumer protections and compliance to be achieved consistently, risk controls and regulations should address the operational aspects of these transaction accounts, rather than the marketing name assigned to it.
By Jessica J. Trundley, AAP, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
November 16, 2015 in banks and banking, prepaid | Permalink
November 9, 2015
Is the Payment Franchise Up for Grabs?
I have lost count on the number of discussions at payment conferences over the last few years on this topic of financial institutions (FI) losing the payment franchise to various new payment start-ups and business models. This very topic was the focus of a session at the Code/Mobile conference in October that featured executives from Chase and PayPal debating "Will Banks Eat Payments, or Will Payments Eat The Banks?" This idea was stuck on my mind while I was recently reading Fidelity National Information Service's 2015 Consumer Banking Index Report. This report reveals the findings from a survey of a thousand household decision makers who ranked 18 attributes according to their importance and according to the respondents' perception of how well banks perform. I readily admit that one shouldn't read too much into the results of a single survey, but the results in the payments and product-related category really grabbed my attention.
Consumer expectations for their financial institution to provide digital payment options through more innovative products than other financial institutions scored extremely low in the importance category. Digital payments ranked as the 14th out of 18 attributes in importance, and delivering leading-edge products was the least important attribute surveyed. Though the importance of these two attributes was significantly lower than security and reliability attributes, consumers rated the performance of their financial institution on these two attributes favorably.
My interpretation of the survey is that consumers aren't expecting much from their FI when it comes to delivering digital payments and innovative products yet the FIs are exceeding these light expectations. The survey does not cover whether consumers place importance on others—say, non-bank payment providers—offering innovative products and payment options and how they are delivering on consumers' expectations.
If consumers expect non-FIs to provide digital payment options, then perhaps FIs are in danger of losing the payments franchise. Maybe consumers don't place a lot of importance on digital payment options because they are satisfied with the options their FIs provide and so the risk to FIs losing the payment franchise to non-FIs is low.
It's possible that the consumer falls somewhere in the middle of the two scenarios above. They may be pleased with the offerings of their FIs, which offer ubiquity and are not highly differentiated, so their expectations for options are low. The non-FI payments space is fragmented with new payment options being developed and deployed at a rapid pace that will take time for consumers to digest. Should consumers realize that any of these offerings present a significant improvement in the payments experience, they may raise their expectations for their FIs. This would suggest that the non-FI providers haven't fully delivered on a compelling, ubiquitous, and widely adopted offering yet.
I believe FIs remain firmly entrenched in the payment space today. However, the level of investment and innovation taking place in the industry should capture the FIs' attention. Consumers, me included, are a finicky bunch when it comes to expectations, and these expectations can change almost instantly with the amount of innovation occurring today. I see no reason why the digital payments arena would be any different, and FIs that fail to realize this as they consider future payment options risk a declining share of the payment franchise.
By Douglas A. King, payments risk expert in the Retail Payments Risk Forum at the Atlanta Fed
November 9, 2015 in banks and banking, innovation, payments | Permalink
August 4, 2014
Fishing for Your Private Data
Recently, I received a text from my daughter about an e-mail that appeared to be from her financial institution. The e-mail stated that online access to her bank account would be terminated because she had tried to access her account from several computers. However, she could retain access by clicking on a link. While my daughter's natural reaction was concern that she would lose online access to her bank account, I told her that this was probably a phishing incident.
Unlike the hobby of fishing, phishing is the work of fraudsters. With phishing, fraudsters attempt to dupe a consumer or employee into believing that they must immediately provide personal or private data in response to an e-mail that appears to be (but is not actually) from a legitimate entity. Much like fishing, phishing relies on numerous casts, with the phisher hoping that many of those who receive the e-mail will be fooled and swallow the bait. If they get hooked, malware may be loaded on their computer to monitor their keystrokes and pull out financial service website log-on credentials. Or, in my daughter's case, if she had clicked on the link, it would have most likely taken her to a legitimate-looking web page of the bank and requested her online banking credentials. The volume and velocity by which anyone can send e-mails has created a wide window of opportunity for fraudsters.
In their e-mail, the fraudsters create a sense of urgency by indicating some sort of drastic action will be taken unless the customer acts immediately. Although organizations have repeatedly posted statements that they would never send an e-mail asking for private data, this threatened action often causes the recipient to act without considering the consequences or taking the time to call the company or organization to verify the e-mail's authenticity. If it is not authentic, the individual should immediately delete the e-mail without replying, without clicking on any links embedded in the email, and without opening any attachments.
In addition to the need for consumers and employees to be wary of e-mails that are not legitimate, financial institutions must continually stay abreast of the latest technologies to help combat these schemes and educate customers. In a past post, we discussed steps financial institutions should take to help customers protect themselves from fraudsters. These schemes remain in the news even though banks, businesses, and government entities continue to post educational information and best practices for consumers and employees. As my daughter's example demonstrates, consumers opening bank accounts for the first time are not likely to know these schemes. This example suggests that—in addition to educating both business and consumer customers generally—it would be beneficial for financial institutions to place more emphasis on education concerning these schemes at the time customers open their accounts.
August 4, 2014 in banks and banking, consumer fraud, consumer protection, data security, fraud, identity theft | Permalink
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8 lessons learned from an entrepreneur's first year as a CEO.
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8 lessons learned from an entrepreneur's first year as a CEO.
Jed Fisher's insight:
Excellent article.
1. Identifying customer needs is only a fraction of the product-market-fit battle.
2. Nobody gives a sh't about what you are doing (at least at first).
3. Early evangelists are worth twice-- no, make that 3x-- their weight in gold.
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Lean has given enterprises, which have already shaved back on costs, a new language for motivating people to get creative on limited resources.
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Are you defining a new market? or are you improving an existing one? This is such a fundamental question but it is one that is often passed over or incorrectly answered. The answer to this question changes almost every aspect of your business strategy.
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Paul Revere (Col)
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When a colony with no standing soldiers is attacked, a colonist automatically takes up any stockpiled muskets in defense of the colony.
See the list of founding fathers
American patriot who served in the Continental Army during the War of Independence and roused the minutemen as British forces approached. Paul Revere's example as a patriot allows colonists working at productive duties to become minutemen, capable of rallying to the defense of the colony in times of danger.


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Viola: It's a game WVU should have won
MORGANTOWN – Dana Holgorsen might just be the most disappointed man in Morgantown.
"This is a game we should have won," the West Virginia coach said.
He's right.
The Mountaineers (3-4, 1-3 Big 12) had an 11-point lead late in the third quarter against No. 16 Texas Tech, but simply didn't finish out the potential upset.
"The will to win was not there," Holgorsen said. "You could see it on the sidelines. Our crowd was great when we gave them reasons to be. Fourth quarter, we were up 11 points and we didn't have the will to knock them out. That's disappointing. (Texas Tech) had the will to want to win more than we did. That starts with me."
Holgorsen also noted it wasn't a lack off effort by the Mountaineers that caused the 37-27 loss. He was impressed with the effort. West Virginia just didn't get the knock out punch it needed.
"We had a chance," defensive coordinator Keith Patterson said. "We just have to finish. (If) you got somebody down you have to be like sharks in the tank. You have to smell it. You have to go out there and take it.
"You have to give Texas Tech credit, man. When it was on the line, they made the plays. It's simple. They made the plays in crunch time. We were in position, they just made a play and we didn't."
The end for West Virginia surprisingly came after Dreamius Smith scored his second touchdown of the day to put the Mountaineers ahead, 27-16.
After Smith's 12-yard score, WVU ran only 19 plays for a total of 33 yards.
Texas Tech, on the other hand, finished out that same stretch with 274 yards on 37 plays with three touchdowns to pull off the come-from-behind victory.
"We refused to make a play on offense, defense or special teams in the last quarter-and-a-half," Holgorsen said. "We refused to coach well enough to win the game. That will be addressed."
As it should.
There's no excuse for the Mountaineers' late collapse. Especially when, in their previous game, the Baylor Bears embarrassed them.
To be able to bonce back from a loss like that and beat a nationally ranked opponent would have been huge, not only in terms of wins and losses, but as in confidence as well.
"The things that stick out to me are the negative plays, the false start penalties, the two or three drops we had," offensive coordinator Shannon Dawson said. "That's the thing that stops drive. It was probably more mental than anything. Just pushing through in the fourth quarter when things get tough. A lot of that comes with experience. It's nice to have guys out there that have done that before. Obviously, we don't."
Actually, neither did Texas Tech.
The Red Raiders were led by a freshman quarterback who was making his second career start. His only collegiate victory came a week ago.
West Virginia has a somewhat easy schedule remaining as they face Kansas State (2-4, 0-3), TCU (3-4, 1-3), Kansas (2-4, 0-3), and Iowa State (1-4, 0-2).
Texas (4-2, 3-0) is the only team the Mountaineers face that has a winning record to date.
Confidence isn't something you learn, however, it comes from within.
The more you lose, the tougher it is to regain.
While this loss is disappointing, it's not demoralizing.
The Mountaineers need to remember that if they want to accomplish anything more this season.
Tony Viola can be reached via email at email@example.com


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Quick postgame quotes from Carlyle, McLellan
Some quick quotes after the Ducks' 3-2 loss to San Jose on Sunday at Honda Center.
Both sides chalked up the end-of-game brouhaha to frustration and emotion this time of year.
"That's just a San Jose-Anaheim rivalry in terms of bad blood between them," San Jose center Jeremy Roenick said. "That's just a good rivalry. We didn't come to play last night. We tried to bring a little bit more energy tonight, and I thought we did."
Ducks Coach Randy Carlyle noticed a physical letdown on the second night of back-to-back set with the Sharks.
"We didn't seem to have the required energy tonight for stretches of the game," Carlyle said. "It seems like we were playing on fumes at times. That leads to mistakes, turnovers, some of the things that you haven't done from a structure standpoint, and those are the first things we notice as coaches."
San Jose coach Todd McLellan was asked how important it was not to lose two games to the Ducks.
"Well, I think the insinuation there is, What if you played them in the playoffs?" McLellan said. "I don't know if we're going to meet them or not. You never want to lose back-to-back games, especially on a home-and-home series with your rival. We're happy with how it turned out."
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Spanning the SEC football globe:
The stakes elevate what was already a fierce rivalry between Florida and Georgia, writes Pat Dooley of The Gainesville Sun.
Georgia fullback Alexander Ogletree tweets about rushing the field after the Bulldogs' first touchdown.
Georgia safety Shawn Williams stays true to himself with his comments.
Tennessee defensive coordinator Sal Sunseri sees improvement despite the losses.
Is South Carolina or Tennessee a better coaching job?
Auburn running backs coach Curtis Luper has no problem with Tre Mason calling for the ball.
Freshman receiver Amari Cooper is becoming a go-to target for Alabama in the passing game.
Texas A&M coordinators Kliff Kingsbury and Mark Snyder talk about the matchup with Auburn.
David Climer wonders if Saturday's game at South Carolina is the beginning of the end for Tennessee's Derek Dooley.
Arkansas' Terrell Williams takes on a leadership role at linebacker.
Ole Miss freshman defensive tackle Issac Gross may be undersized, but he hasn't been under-productive for the Rebels.
The SEC's top rusher, Mississippi State's LaDarius Perkins, takes his shot against the nation's No. 1 defense.
A win over Alabama would be a great step forward for Mississippi State's program.
LSU's Les Miles will enjoy another night at home, but he'll be paying close attention.
SEC defenses have put the brakes on Missouri's offense.
Kentucky's running backs are pushing each other to get better.


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« Edinburgh - Home
Attractions in Edinburgh
Edinburgh, EH1 1BB
This tour will give you an insight to the secrets of Edinburgh's past and some of its colourful characters.
Edinburgh, EH1 1BB
Outlander, this tour takes you to the main locations that were used for filming the TV show.
Edinburgh, EH1 1BB
Sample the Spirit of Speyside on this whisky tour!
Edinburgh, Midlothian, EH1 2AD
The Edinburgh Gin Distillery is the only place in the Edinburgh where you can indulge both the mind and the palate.
Edinburgh, Scotland, UK
More than a monument, this small temple was erected in 1831 in memory of Robert Burns 1759 -1792, Scotland's national poet.
2 Anderson Place, Edinburgh, EH6 5NP
Specialising in tailor made and distinctive tours of Scotland since 2004. Don't follow the crowds-Explore Scotland Your Way!
Edinburgh, EH1 1BB
Trip to the Holy Island, Lindesfarne, Alnwick Castle and the poison gardens there.
Edinburgh, Scotland, UK
Go Scotland Tours offers various tours from the most recommended tour guides in Scotland.
Edinburgh, EH1 1RE
2016 is Scotland's year to celebrate our achievements in Innovation, Architecture and Design.
The Mound, Edinburgh, EH1 1YZ
This fascinating museum takes a fresh look at money – and much, much more.
Edinburgh, EH1 1BB
Enjoy a photographic walking tour which takes an alternative view of Edinburgh's landmarks.
Edinburgh, Scotland, UK
Visiting Glencoe, Loch Laggan, Loch Ness, with lunch at Fort Augustus, look out for the Loch Ness Monster.
Edinburgh, EH1 1BB
A Murder and Mystery walking tour of Edinburgh taking in tales of witchcraft, plague and torture.
|Edinburgh Guided Walking Tour
|Edinburgh, EH1 1BB
|Edinburgh Bus Tours
|Edinburgh, EH1 1QB
|Outlander 3-Day Small-Group Guided Tour from Edinburgh
|Edinburgh, EH1 1BB
|3-Day Speyside Whisky Tour from Edinburgh
|Edinburgh, EH1 1BB
|Edinburgh Gin Distillery
|Edinburgh, Midlothian, EH1 2AD
|Burns Monument
|Edinburgh, Scotland, UK
|Scottish Routes Tours
|2 Anderson Place, Edinburgh, EH6 5NP
|Holy Island, Alnwick Castle and Northumberland Tour from Edinburgh
|Edinburgh, EH1 1BB
|Go Scotland Tours
|Edinburgh, Scotland, UK
|Tour of Scotland's Innovation, Architecture & Design
|Edinburgh, EH1 1RE
|Museum on the Mound
|The Mound, Edinburgh, EH1 1YZ
|Photography Walking Tour in Edinburgh
|Edinburgh, EH1 1BB
|Loch Ness, Glencoe and Loch Laggan Day Trip from Edinburgh Including Lunch
|Edinburgh, Scotland, UK
|Murder and Mystery Walking Tour of Edinburgh
|Edinburgh, EH1 1BB
|Krafty Brew
|1 High Port, Linlithgow, EH49 7AB
Click the map pins to view more information.


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Fantastic Four (stylized as Fantastic 4) is a 2005 American-German superhero film based on the Marvel Comics team of the same name. It was directed by Tim Story, and released by 20th Century Fox. The film stars Ioan Gruffudd, Jessica Alba, Chris Evans, Michael Chiklis, Julian McMahon and Kerry Washington. Wikipedia
From this profile you will find 197 photos, 16 photo albums, 148 quotes, 57 trivia items, 4 styles, 91 lists, 8 songs, 11 awards, 308 news stories, and key facts about Fantastic Four!
Fantastic Four is a member of the following lists: American films, English-language films, 20th Century Fox films, Films set in New York City, Films shot in Vancouver, Superhero films, Films based on Marvel Comics, 2000s action films, 2000s science fiction films and 2005 films.
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(Reed opens the bathroom door as Sue get's out) Susan Storm: (Sue goes invisible) You could knock! Reed Richards: Sorry. (Reed slams the door shut)
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An asinine adventure through the world of high fantasy.4.47 / 5.00 2,321 Views
Nothing To Fear
Super villainy at its worst ...4.17 / 5.00 3,403 Views
The Ascent of Alfred
Make Alfred Great Again4.10 / 5.00 11,243 Views
Finally time travel without actual travel. I love this!
Best of luck!
lol thanks
That hurts. Really. Hurts the good way..if that is possible..
Good one Bill. Pushing the envelope as always.
it was beatiful and sad... but anyway execelent animation , very smooth and original concept hehe..
5 stars /5 picos , i love it ! =3
Awesome...as usual!
Thanks Ariel!


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DE1727 Manager Branded Customer Experience
Job type:
Job Description
Company Profile:
Direct Energy generates electricity and produces natural gas, as well as selling commodities and servicing the energy needs of homes and businesses in 46 U.S. states plus the District of Columbia and 10 Canadian provinces. We also help our customers save on their energy bills through energy efficiency. Located in over 50 locations, our team of 6,000+ employees serve over 6 million residential and commercial customer relationships.
Direct Energy is a subsidiary of Centrica plc (LSE:CNA), one of the world's leading integrated energy companies with over 20 million customers and 34,000 employees worldwide. We are committed to being the most recommended energy and services provider and leading the transition to a low carbon society.
This role can be based in our Pittsburgh, Metropark or Houston office.
The Branded Customer Experience team creates a customer-focused ecosystem that aims to design and deliver on a customer experience vision anchored in a brand promise through a combined top-down and bottom-up approach. This multi-faceted approach begins with setting the strategy through the use of a full suite of customer experience tools and insights, directly engaging with business-originated priorities and saturating the organization with customer experience awareness.
The Branded Customer Experience Manager will drive this vision forward by leading and managing a wide-reaching business program that includes collaboration amongst key business stakeholders across the organization to define and execute a strategic plan for establishing a customer experience capability that drives superior customer loyalty. The business program will establish brand effectiveness throughout the customer lifecycle; including: Shop, Join, Use, Help, Change, and Leave. The Branded Customer Experience Manager will deliver on superior customer loyalty and satisfaction by ensuring that the Direct Energy Business brand promise is clear, relatable, accurately represented, and fully experienced at all stages.
The Branded Customer Experience Manager will mobilize and coordinate business resources, communicate progress towards objectives, monitor progress, and validate outcomes: • He/she will leverage customer feedback and a Voice of the Customer program to inform customer experience solutions, establish efficient alignment of resources and ensure effectiveness of the business program efforts.
- He/she will lead complex cross-functional key business initiatives in achieving the customer experience business program objectives.
- He/she will implement comprehensive customer experience business program metrics and regularly communicate these metrics to appropriate stakeholders and senior management.
- Bachelor's Degree required preferably with a marketing, problem solving, or business focus
- Three or more years' experience in marketing preferred
- Two or more years' experience in retail power and gas industry preferred
- Demonstrated experience working collaboratively across functional areas to achieve business goals
- Ability to communicate, both verbal and written, with a wide variety of audiences both internal and external to the company
- Excellent critical thinking, problem-solving, organizational, and project management skills
- MS Office skills including Microsoft Project, PowerPoint and Excel
- Strong internal and external customer focus • Ability to manage multiple priorities simultaneously
- Bias for action, strong work ethic, and desire to achieve excellence
- Good interpersonal skills, including establishing rapport with stakeholders through regular contact by phone and in-person
- Strong desire to succeed
- Responsible for the Direct Energy Business brand and the translation of that brand into an impactful customer experience that drives loyalty for primary customer segments.
- Champions brand and customer experience strategies and initiatives.
- Responsible for achieving the Customer Experience Business Program objectives.
- Develops, manages, consults with, and influences internal stakeholders at all levels across the organization, creating value and buy-in for the Direct Energy Business brand and the customer experiences that we deliver to support that brand.
- Challenges the status quo and creates strong, unique brand positioning and supporting customer experience solutions.
- Leads all brand definition, positioning and strategic planning initiatives.
- Develops customer experience initiatives to drive customer loyalty.
- Measures brand effectiveness and customer satisfaction through the use of metrics, analysis and discussion of lessons learned to develop alternative strategies and tactics to achieve brand loyalty best practices.
- Generates roadmaps, schedules, funding and resource needs to implement customer experience business program initiatives.
- Ensures that investments and initiatives in customer experience are aligned with business strategy and priorities.
- Develops and presents the Direct Energy Business Customer Experience business program strategy and roadmap. Provides periodic updates to internal and external senior level stakeholders to monitor the achievement and effectiveness of the business program.
- Tracks, evaluates and reports on deliverable status from multiple sources and initiatives in a cross-functional team environment.
- Responsible for the Direct Energy Business brand and all brand transitions resulting from mergers, acquisitions, or corporate re-branding initiatives.
- Defines, implements, tracks, and communicates all brand management and customer experience metrics.
- Periodically audits brand integrity through quarterly reviews of customer-facing communications and promotes corrective efforts as necessary
The IndividualDirect Energy and its subsidiaries are an Equal Opportunity Employer - EOE AA M/F/Vet/Disability
Additional Website Text


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Reviewed By Kelly H (SALEM, OR) Reviewed for a 2005 Chevy Suburban —3/20/2013 8:19 PM
Good quality product, never any problems as have had them on prior autos:)
Reviewed By DERICK W (Grand Prairie, TX) Reviewed for a 2016 Dodge Challenger —9/1/2016 2:45 AM
I installed this on my 2016 Hellcat Challenger. Installation was fairly easy since the air box is just one piece. Upon completion I could immediately tell and feel the difference in the power and throttle boost. I had just a regular CAI setup before this and another thing I immediately noticed was the whine from the SC was not as loud. Which was something else I like! Overall it's a great product and I'd recommend it.
Reviewed By benjamin h (ANDERSON, IN) Reviewed for a 2004 Ford Ranger —7/9/2016 12:42 PM
it was crazy how easy t was i bought the afe cold air intake an the throttle body spacer had my original off an these but on within like 50 min. they have a huge horse power gain i can feel. an a great whistle.


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$34.99Heroes: Classic Collection tells the stories between the episodes of the global smash hit, Heroes, imagining a world where ordinary people develop extraordinary powers. Discover why Hiro Nakamura takes his mission so seriously, why Isaac Mendez is so tortured by his power to paint the future, and much more! Plus, you can see Tim Sale's original paintings – used for Isaac's prophetic paintings on
$10.99The Rossum Corporation's Dollhouse technology has gone viral with a synchronized phone call that wiped the minds of everyone it reached, turning them into mindless killers. Those who avoided the call-including show favorites Echo, Alpha, Mag, Zone, and Griff-must try to survive in the sudden apocalypse and be wary of Rossum's expansive technological reach. This is only the beginning! Collects the
Buffy the Vampire Slayer Season 9 Volume 1: FreefallSeason 8 ended with a bang that cut the world off from magic culminating in another set of world-ending problems. Buffy has left her best friend, Willow, powerless, and brought an end to a millennia-long tradition of superpowered girls. By day, Buffy is a twenty-something waitress with no real direction, and even though magic is gone, she ís still a vampire Slayer by night. Bigger problem?
$6.99Based on the Emmy Award-winning web series Dr. Horrible's Sing-Along Blog, this collection of stories written by Zack Whedon (Deadwood, Fringe) chronicles some of the earliest adventures in the lives of archenemies Captain Hammer and Dr. Horrible. This anthology solves many unanswered questions left over from the show. For instance: What event inspired Dr. Horrible to become the world's greatest
$7.99Chronicling the hilarious on--and offline--lives of a group of Internet role-playing gamers, the Knights of Good, The Guild has become a cult hit, and is the winner of numerous awards from SXSW, YouTube, Yahoo, and the Streamys. Now, Day brings the wit and heart of the show to this graphic-novel prequel. In this origin tale of the Knights of Good, we learn about Cyd's life before joining the guild
Buffy the Vampire Slayer Season 9 Volume 2: On Your OwnWith the Scooby gang on the skids, Buffy finds herself increasingly alone. When faced with some tough decisions grounded in "real world" problems (i.e., not the slaying of pesky demons), Buffy is determined to make her own choices, but that doesn't mean she won't need a little handholding along the way. Cue Spike, compelled to stand by his best friend in her moment of need. Together they'll tackle
Buffy the Vampire Slayer: Season Nine Volume 3: GuardedIn a bold move to give disenfranchised Slayers a meaningful societal role (with pay), Kennedy recruits Buffy to act as bodyguard for high-profile clientele. But unlike the other recruits, Buffy struggles to abandon her Slaying instincts and looks for demony threats where none lie (much to Kennedy's dismay). So it's only natural that her first job is to protect a tech mogul who just so happens to
Buffy the Vampire Slayer Season Eight Volume 8: Last GleamingThe season finale is here! At long last, the Big Bad stands revealed-Angel is back, and it's tearing the Scoobies apart, testing the limits of their friendship. But Twilight's unmasking is only the beginning, and Buffy must still face the ultimate betrayal. Series creator Joss Whedon writes the final story arc of Buffy Season 8, taking his greatest characters to places only he can! Teamed with
Buffy the Vampire Slayer Season 9 Volume 4: Welcome to the TeamBuffy is unwillingly recruited by the demon Illyria and a mystical council to take down the Siphon-for good. He is on the loose again, and a danger to all remnants of magic! Meanwhile, back home the loss of magic has begun to affect those closest to Buffy... Collect issues #16-#20 of Season 9. * Executive produced by Joss Whedon! * Andrew Chambliss of television's The Vampire Diaries and Once Upon
Angel & Faith Volume 1: Live Through ThisAngel has made bad choices in his life. Most recently? While possessed, he killed Giles. However, he believes he's found a way to make amends, by bringing the Watcher back from the grave! Cue Faith-rebel Slayer, and Angel's only ally-who only supports this harebrained scheme in order to keep her friend from catatonia. New threats emerge as this unlikely duo struggles against real and personal
Buffy the Vampire Slayer Season Eight Volume 7: TwilightBuffy Summers and her Slayer army have suffered heavy losses throughout Season Eight and faced scores of threats new and old, but the one mystery connecting it all has been the identity of the Big Bad-Twilight! In this penultimate volume of Season Eight, New York Times best-selling novelist and comics writer Brad Meltzer (The Book of Lies, Identity Crisis) joins series artist Georges Jeanty in
Angel & Faith Volume 2: Daddy IssuesThe dark streets of London are increasingly dangerous as murderers, mystically devoid of emotion, begin to impact the lives of Angel and Faith. In unraveling this new mystery, the pair follow clues in the Watcher's Files to a demon from Giles's past and a "child" from Angel's. Then, Drusilla returns to her homeland and becomes the hot new vampire in the underground scene! While Angel faces Dru,


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Experiencing God's Authentic LoveIf you know how to spot it, God reveals His love in intimately personal ways. Love Revealed: Experiencing God's Authentic Love will open your eyes to the full extent of His love for you and through you. In six warm and inviting studies, you'll discover your heavenly Father's: authentic love, transforming love, extravagant love, love in motion, and consuming love.
The Love Revealed Challenge: 45 Days to Discovering God's Authentic LoveAs intimate as the study itself, The Love Revealed Challenge: 45 Days to Discovering God's Authentic Love helps you apply the principles of Love Revealed. Each reading offers a "Scripture Point," "Thought Point" and "Challenge Point" for reflection. Take the challenge—individually, with a friend or in a small group—and be transformed by your knowledge, understanding and experience of God's love
Forgotten God: Reversing Our Tragic Neglect of the Holy Spirit
Reversing Our Tragic Neglect of the Holy SpiritIn the name of the Father, the Son, and ... the Holy Spirit. We pray in the name of all three, but how often do we live with an awareness of only the first two? As Jesus ascended into heaven, He promised to send the Holy Spirit—the Helper—so that we could be true and living witnesses for Christ. Unfortunately, today's church has admired the gift but neglected to open it.Breakthrough author Francis
How To Walk With The Holy SpiritThe Holy Spirit desires to be an integral and active part of our lives. He wants to be your friend.The Holy Spirit is the voice of the Trinity in our lives.He has a role that is just as important as the role that Jesus and the Father have. If we just casually acknowledge who He is we will not enter into the fullness of what God has for us. This book is to help teach us who the Holy Spirit is, how
$9.99We all pray . . . some. We pray to stay sober, centered, or solvent. When the lump is deemed malignant. When the money runs out before the month does. When the marriage is falling apart. We pray. But wouldn't we like to pray more? Better? Stronger? With more fire, faith, and fervency? Yet we have kids to feed, bills to pay, deadlines to meet. The calendar pounces on our good intentions like a
How to Let God Solve Your Problems
12 Keys for Finding Clear Guidance in Life's Trials"God, how did I get in this mess!?" Is that the cry of your heart? You may be in the midst of an emotional hurricane right now and wondering Can anything good come out of this situation? Or you may be stumbling through the aftermath of a physical or financial crisis, fearful that you'll never get back on your feet. In How to Let God Solve Your Problems, Dr. Charles Stanley demonstrates how God
Releasing the Burdens You Were Never Intended to BearWeary travelers. You've seen them -- everything they own crammed into their luggage. Staggering through terminals and hotel lobbies with overstuffed suitcases, trunks, duffels, and backpacks.Backs ache. Feet burn. Eyelids droop.We've all seen people like that.At times, we are people like that -- if not with our physical luggage, then at least with our spiritual load.We all lug loads we were never
Extraordinary: Keys to a Breakthrough LifeYou Were Meant for More!All of us were extraordinarily created for a life that is anything but ordinary. In this motivating booklet, best-selling author John Bevere offers seven critical keys to a breakthrough life that will position you to embrace divine empowerment. God has prepared a path for you that far surpasses the usual definitions of success or fulfillment! Isn't it time to pursue your
Finding Hope When Life Doesn't Make Sense"This is a book I'll be recommending for years to come." —Lysa TerKeurst, New York Times bestselling author Do you believe God is just not fair? If you're like Jennifer Rothschild, you wrestle with questions when you experience painful circumstances. Does God care? Does he hear my prayers? Is he even there? Blinded as a teenager, Jennifer overcame daunting obstacles, found strength in God, and
Uncomplicate Your Life, God's WayA simple and sustainable path to a deep and satisfying walk with Christ There are thousands of how-to books for improving various areas of life—self, relationships, finances, fitness, business, marriage, family. And there are nearly as many books written for believers offering a framework for the "right" approach to a new life in God. What if it were possible, Pastor Stovall Weems asks,to boil it


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#Veils and Accessories, #Wedding Dresses, #Jewelry, #Vintage, #Wedding Planners / Consultants
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Tenuta Di Ricavo - Castellina in Chianti
Along with free buffet breakfast, this hotel offers a restaurant and a garden. Take a splash in one of the 2 outdoor pools during your stay. Leisure facilities on offer include a fitness center.
Multilingual staff can provide tour/ticket assistance. Guests can make use of the free WiFi and high-speed (wired) Internet access.
Tenuta Di Ricavo - Castellina in Chianti
Hotel Info: 1-877-214-4288from $101
- Junior Suite
- Superior Suite, 1 Bedroom, Hill View
- Classic Double Room
- Suite
- Classic Single Room
- Superior Double Room
- Triple Room
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 23 rooms
- Check-in time 3 PM-11 PM
- Check-out time is 11 AM
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- No cribs (infant beds)
- Pets not allowed
- Free WiFi and wired Internet access in public areas
- Free WiFi in rooms
In the hotel
- Free buffet breakfast daily
- Restaurant
- Number of outdoor pools - 2
- Fitness facilities
- Golfing nearby
- Hiking/biking trails nearby
- Mountain biking nearby
- Arcade/game room
- Billiards or pool table
- Tours/ticket assistance
- Laundry facilities
- Luggage storage
- Multilingual staff
- Garden
- Terrace
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Minibar
- Private bathroom
- Bathtub or shower
- Bidet
- Hair dryer
- Satellite TV channels
- Free WiFi
- Phone
Special features
DiningLa Pecora Nera - This restaurant specializes in local cuisine.
Tenuta Di Ricavo - Castellina in Chianti's small print
Also known as
- Tenuta Di Ricavo
- Tenuta Di Ricavo Castellina In Chianti
- Tenuta Di Ricavo Hotel
- Tenuta Di Ricavo Hotel Castellina In Chianti
- Ricavo Tenuta Di Hotel
- Tenuta Di Hotel Ricavo
- Tenuta Di Ricavo Hotel Ricavo
All guests, including children, must be present at check-in and show their government-issued photo ID card or passport.
Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
In accordance with national/local laws, air conditioning may be restricted to certain hours during certain times of the year.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 2.50 per person, per night
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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But Beautiful
Johnny HartmanBuy this song
Love is funny or it's sad, Or it's quiet or it's mad, It's a good thing or it's bad, But beautiful! Beautiful to take a chance And if you fall, you fall, And I'm thinking I wouldn't mind at all. Love is tearful or it's gay. It's a problem or it's play, It's a heartache either way, But beautiful! And I'm thinking if you were mine I'd never let you go, And that would be but beautiful I know.
Written by: JOHNNY BURKE, JIMMY VAN HEUSEN
Lyrics © Peermusic Publishing, Warner/Chappell Music, Inc., MUSIC SALES CORPORATION
Lyrics Licensed & Provided by LyricFind
Discuss the But Beautiful Lyrics with the community:
Use the citation below to add these lyrics to your bibliography:
"But Beautiful Lyrics." Lyrics.com. STANDS4 LLC, 2016. Web. 25 Oct. 2016. <http://www.lyrics.com/lyric/1659034>.