text: Nigeria calls on OPEC members to find consensus on output freeze Western Africa by Reuters Last Updated: Tue, 19 Apr 2016 06:12:02 GMT 0 PHOTO: Wikipedia Nigeria called on OPEC members to find a consensus on a freeze on oil production after talks among producers collapsed in Qatar on Sunday, the oil ministry said on Monday. A deal to freeze oil output by OPEC and non-OPEC producers fell apart on Sunday after Saudi Arabia demanded that Iran to join in despite calls on Riyadh to save the agreement and help prop up crude prices. "We are just going to work on it," Nigeria's oil minister Emmanuel Ibe Kachikwu said in a statement issued by his ministry. "It is a supply and demand issue and we need to consult and bring everybody into the circle and thank God that a committee is now in place to try and work towards getting everybody on board," he said. Nigeria has been in the forefront of trying to get a consensus among producers to freeze output as a slump in oil revenues has hit its public finances and currency.


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3 Bedrooms Terraced House for sale
Trower Street, Preston, Lancashire, PR1 4YL
Stepping stone are delighted to offer this terraced property for sale in frenchwood. the spacious house comprises 3 bedrooms, 2 reception rooms, fully fitted kitchen and bathroom and…
1 Bedroom Commercial Property for sale
* busy parade location * close to motorway * residential area * nearby occupiers include pub, takeaways, shops, apartments * basement * *toilet facilities *land to rear*
£110,000 Offers Over
Kingswood is delighted to offer for sale this retail shop also includse the flat above which has a rental income of 395 pcm. modern and spacious premises would be ideal for an owner…
3 Bedrooms End Of Terrace House for sale
*spacious end terrace *front garden *rear yard *3 bedrooms *2 reception rooms *large kitchen with dining space *double glazed throughout *gas central heating *convenient location for…
3 Bedrooms Terraced House for sale
Cemetary road, Ribbleton, Lancashire, PR1 5UT
Stepping stone properties are delighted to offer this modern end terraced house for sale in preston. the property comprises 3 bedrooms, 2 reception rooms fully fitted kitchen and bathroom.…
3 Bedrooms End Of Terrace House for sale
*end terrace property *ideal investment / 1st time buyer *3 bedrooms *recently refurbished *2 reception rooms *rear yard and garage *viewing is recommended*
£80,000 Offers in Excess of
2 Bedrooms Terraced House for sale
Reduced by 5,000- currently rented out achieving 7.1% yield. tem-po are pleased to bring to the market this two bedroom mid terrace house in preston with open aspects over the local…
3 Bedrooms Terraced House for sale
***calling all investors*** ideal buy to let*** three bedroom mid terrace property located in a popular rental location, currently generating 525 pcm - 6300 p/a. the property briefly…
2 Bedrooms Terraced House for sale
Skeffington Road, Preston, Lancashire, PR1 5UQ
Viewing recommended.stepping stone is delighted to offer for sale this beautifully presented two bedroom mid terraced house. images and measurements soon to be added. viewings strictly…
3 Bedrooms Terraced House for sale
Mete Street, Preston, Lancashire, PR1
Renovated three bedroom, two reception room terraced home offering fantastic family space throughout. located in ribbleton offering easy access to local amenities, transport links…
£75,000 Offers Over
2 Bedrooms Terraced House for sale
Geoffrey Street, Preston, Lancashire, PR1
Fantastic sized and well presented two double bedroom terraced home located offering easy access to preston city centre, local amenities and transport links. the accommodation comprises…
2 Bedrooms Terraced House for sale
Lex Street, Preston, Lancashire
***reduced was 80,000 now 75,000*** recently renovated to a top specification this property is ready to move straight in to and would make an ideal first time buy or buy to let investment…
2 Bedrooms Terraced House for sale
*terraced property *two bedrooms *two reception *seperate annex *rear yard *viewing is essential*
3 Bedrooms Terraced House for sale
Calverley Road, Preston, Lancashire, PR1 5YN
Stepping stone is offering this spacious, mid terraced three bedroom house located close to local amenities and with easy access to motorway networks. the property benefit from double…
2 Bedrooms Terraced House for sale
Ribbleton Lane, Preston, Lancashire, PR1
Modern and spacious terraced home boasting two double bedrooms and two reception rooms. located offering excellent access for local amenities and transport links. (contd...)
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subset: commoncrawl


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Dear Robins,
On my post about the Walnut Wood, I forgot to post information that I
normally give with each message. That was an omission on my part. OOPS!
On the subject of Walnut Wood, don't try to grow Tomatoes anywhere near a
Walnut Tree. The vines will grow, flower, form fruit, then promptly die.
Mark A. Cook
Lexington, KY Zone 5/6


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What's on at Souter Lighthouse and The Leas
Know Your Birds Workshop
Pick up top bird identification tips with local experts.
Sun 26 Feb 2017
World Book Weekend
Storytelling and crafts with your favourite characters.
Sat 04 Mar 2017
+ 1 other date
Get Crafty with Dr Seuss
Kids can get creative with The Cat in the Hat, The Lorax and Horton Hears a Who.
Sat 11 Mar 2017
+ 1 other date
Get Crafty: Mother's Day
Create a special and unique Mother's Day card.
Sat 18 Mar 2017
+ 1 other date
Bird Ringing Demonstration
A rare opportunity to see wild birds at close quarters.
Sun 02 Apr 2017
Souter Seashore Safari
Join a Ranger to search the rockpools along Souter's rocky shore.
Sun 09 Apr 2017
+ 3 other dates
Junior Conservation Day
Peak behind the scenes with Kate, our conservation officer.
Mon 10 Apr 2017
+ 1 other date
Cadbury Easter Egg Hunt
An Easter adventure with a chocolate reward.
Fri 14 Apr 2017
+ 3 other dates
Ranger Ramble - Marsden Circular
Join our Rangers and local Coastal Conservation Group on a walk around Marsden Circular.
Sun 23 Apr 2017
Build a Bug Hotel
Learn all about insects and make your very own bug hotel.
Mon 01 May 2017
Dawn Chorus Walk
Join our Rangers and local Coastal Conservation Group on an early morning ramble taking in the wonderful sounds of the dawn chorus. NB booking will be available at the end of March.
Sun 07 May 2017
World Ocean Week
Celebrate everything about the sea at Souter Lighthouse.
Tue 30 May 2017
+ 2 other dates


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As of August, 2015 Hello Urbanist has ceased operations as a brand. However Hello Urbanist Founder Brooke Gibbons is still making art, selling supplies and holding classes online and on-site at the Charlotte Art League. Please visit BrookeGibbons.com for the latest updates. Thank you!
Hello Urbanist is a CONSULTANCY committed to helping individuals, groups, businesses, and organizations achieve their project goals through personal action plans using our "love of place and space" attitude.
Hello Urbanist is a
CLASSROOM dedicated to continuing education using multicultural and process-oriented curricula. We hold classes, workshops, and retreats that focus on bridging community and creativity.
Hello Urbanist is a
SHOP that provides materials to supplement our workshops, promotes sustainability by selling reused and salvaged goods, and brings joy to paper lovers, vintage collectors and archivists around the world.


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Colclasure selected to participate in prestigious program
LITTLE ROCK, Ark., Feb. 9, 2017 /PRNewswire/ — Acxiom® (Nasdaq: ACXM), the data foundation for the world's best marketers, today recognized Sheila Colclasure, chief privacy officer and global executive of privacy and public policy, for being selected to participate in The Presidential Leadership Scholars program, a unique leadership development initiative that draws upon the resources of the presidential centers of George W. Bush, William J. Clinton, George H.W. Bush and Lyndon B. Johnson. Colclasure is one of 60 Scholars chosen for the program's third annual class. Read More


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The Queen unveiled a long overdue monument at Bletchley Park this week — the same should be done for Orford Ness
Sir, The correspondence on a "proliferation of memorials" (letters, July 16 & 18) coincides with the unveiling by the Queen last week of a long overdue monument at Bletchley Park. The vital part played by those who served their country in conditions of the utmost secrecy surely merits proper recognition. Another such place with a far longer history of top secret research and trials is Orford Ness in Suffolk. Its "boffins" (the word was invented for the radar expert Robert Hanbury Brown, just one such) gave unmatched service over the last century. It operated for all but 80 years. Now


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|(The pretty hills of Grasse)
|Major Parfumeries in Grasse
Soon one can see the lovely factories that have been here in existence for more than a century , doting the landscape. Galimard, Molinard, and Fragongard are one of the biggest names that make perfumes here and it is possible to do a free tour followed with a workshop for two hours and prepare your own brand of perfume with the help of 'Nose' and their assistants.
|The facilities of Fragongard
During the guided tour, it was fascinating to see the traditional process of extraction of 'essential oils' by the process of 'Maceration' ( soaking the flowers in a liquid that will absorb their fragrance) or by distillation. Next, the extracted oil is blended into the perfume as per the formula worked out by the 'Nose'.
|The process of Maceration
With a lively and entertaining approach, the 'Nose' explains the architecture of a good perfume that is the 'Top Note'( Peak), Middle Note(heart note) and Base Note(Fond Note). 'Nose' is the expert with highly developed olfactory sense that develops new perfumes. There are about a thousand 'Noses' in the world and of these only 50 that are masters in the trade. The majority of them work with the perfumeries in Grasse. There could be as many as 800 ingredients in a formula developed by the experts and each formula is patented. Next, the scent is mixed with alcohol, the percentage of which varies depending on the usage. The perfumes have 10-20% content of essential oil whereas the colognes have just 3-5% of the essential oil content.
|An office of the 'Nose'
Fine perfumes are then aged for periods ranging from 15 days to a few months. The quality control is very strict and the final product is bottled in very enticing packaged fancy bottles. All the perfumeries use the fatty acids / oils to make special soaps that are equally 'alluring'.
|An enticiing display of perfumes
An experience of creating 'your own perfume' is a huge learning experience besides creating your own perfume and the formula is registered in the name of the creator( You)!So the beautiful 100ml of perfume in the specially packaged bottle can be carried as a souvenir along with a diploma certifying completion of seminar.
|International Museum of Perfumes at Grasse
There is also a beautiful International Museum of Perfume' in Grasse that can be visited to learn more about perfumes and the history. It was a rewarding day which will remain etched in memory forever. The return trip through the fascinating city of Cannes deserves another post.


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Windsor-Essex Chapter - Home
Speaking out for nursing.
Speaking out for health.
to contact us.
We love hearing from you!
Dear members,
Do you enjoy speaking out for nurses, health and health care? We are looking for talented nurse leaders to join RNAO's board of directors and help guide the future of the association.
For 2017-2019, RNAO is seeking nominees for the following positions:
Regional Representatives from all 12 regions
Member, Provincial Nominations Committee (two general member vacancies)
Member, Provincial Resolutions Committee (three general member vacancies)
Bylaws Committee (one general member vacancy)
Candidates must be members in good standing who have maintained RNAO membership for the previous two years. Nominations need signatures from three other members in good standing. To read more about the requirements and for the nomination form, please click
Please send nomination forms to Board Affairs Coordinator
Sarah Pendlebury
by Dec 27, 2016 at 5:00 p.m. EST.
Your Windsor-Essex Chapter Executive Committee is working hard to plan events and activities based on your feedback and the needs of our community. Keep your eye on your inbox as we will soon be circulating information about upcoming spring and summer events.
Website Builder
provided by


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Membership Disclosures
Other Policies & Disclosures
USA Patriot Act
The USA Patriot Act instructs financial institutions to update and enforce numerous policies regarding customer identification, money laundering, and correspondent relationships in an attempt to prevent, detect, and prosecute money laundering and financing of terrorism. The following policy will address the "Know Your Customer" provision of the USA Patriot Act, and will outline identification requirements for both new members and for current members to perform transactions with HUECU.
Membership Eligibility
Harvard University Employees Credit Union (HUECU) is a not-for-profit financial institution that provides retail banking services to the employees and family members of Harvard University and affiliated organizations. Groups requesting HUECU services must make a written request, including proof of Harvard affiliation, to the Board of Directors. The Board must approve this request for HUECU services to be provided to these employees.
New Member Identification
A) Employee Request for Membership:
1) Employees of Harvard University or affiliated organizations are required to produce two types of photo identification for membership in HUECU:
a) Valid (non-expired) US or state government issued photo identification such as drivers license, state identification card, US passport, foreign passport (or cedula), US military identification, Alien Registration receipt card with photo, Canadian Drivers License, or other photo ID under List A or List B of the US Department of Justice Form I-9.
b) Photo ID issued by Harvard University or affiliated organizations. New employees must receive their photo ID from their employer before joining HUECU.
2) All new members must provide a valid social security or other taxpayer identification number issued by the Social Security Administration.
3) All new member applications will be verified by third party credit reference and screening to Office of Foreign Asset Control lists by, not limited to, the National Check Protection Service. Any derogatory information will be reported to the Branch Manager or Supervisor at that location. That individual has complete and final authority to decline the membership request based on this derogatory information.
B) Family Member Request for Membership:
A family member of an eligible employee requesting membership is subject to all three steps described above with the exception of 1-b. Two forms of photo identification must be presented, one of which complies with 1-a above. In addition, contact information about qualifying employee must be provided to verify membership eligibility.
Existing Member Identification
A) Transactions Performed In Person :
HUECU Staff members are expected to properly identify all members before performing transactions. In cases of transactions involving disbursement of funds (including withdrawals, loan advances, and new loan closings), members are expected to provide photo identification upon request. Supporting documentation may include account signature card, ATM/Debit card or Membership card. Photo identification is also required from members requesting Notary Public and Signature Guarantee services, as well as account verifications.
Manager or supervisor in charge has complete authority to refuse transaction requests if proper identification of the member cannot be made.
B) Transactions By Telephone:
Members requesting transactions or account inquiries by telephone will be identified using their telephone banking personal identification number (PIN). This PIN is verified prior to performing the transaction. HUECU Staff as well as the automated voice response system (Call24) use the PIN for telephone identification.
3) Internet Transactions:
The HUECU Home Banking system utilizes the same PIN as (B) above to verify identity of members requesting transactions.
4) Plastic Card Transactions:
A separate member selected PIN is verified by our EFT Processing Vendor (currently NYCE) before ATM or Debit Cards may be used at an ATM or for PIN based point of sale purchases. Debit Cards or Credit Cards used for signature based payments are identified in accordance with operating rules of MasterCard and Visa.
Nonmember Identification
When a nonmember presents a check payable to himself or herself and drawn on a member's checking account at HUECU, we will make every attempt to negotiate the check. Once the validity of the check has been verified (member signature, available funds, lack of stop payment), the nonmember must show two forms of valid photo identification. One form must be from the same type described in Section A 1-a previously. In addition, the nonmember will be compared to the OFAC Control Lists using OFAC Tracker software. Manager or Supervisor must approve all nonmember check cashing. The Manager or Supervisor in charge has full authority to refuse transaction if check validity cannot be determined, nonmember cannot be properly identified or appears on OFAC Control List. In addition, the transaction may be refused if disbursal of the amount of cash requested would diminish our ability to provide cash to our members at that location.
HUECU does not provide any other services to nonmembers.
Effect of Future Regulations
Financial industry regulators, operating under the USA Patriot Act, will continue to issue guidelines regarding customer identification and identification procedures. Any new requirements issued by an authority or agency that regulates HUECU will be incorporated into this policy and our procedures within the time frame specified.
Website Security
Your Security
At Harvard University Employees Credit Union, we are committed to protecting your privacy. We have created this privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses our information gathering and dissemination practices for our web site:
- Visitors to the HUECU web site will remain anonymous. We do not collect personal identifying information about our visitors to our site.
- We use your IP address to help diagnose problems with our server, and to administer our web site. Our servers collect standard identifying information about visitors to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site usage.
- If you have provided identification (such as name and address)via e-mail or information request forms the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties unless required by law or court order.
- This site contains links to web sites. HUECU is not responsible for the practices or the content of such web sites.
- We caution members to avoid transmitting confidential information over the internet unless the transmission is done within a secured area. Neither on-line applications or e-mail messages are secure communication channels. To safeguard your privacy, any message containing confidential information should be printed and then faxed when completed outside the secure area.
- HUECU reserves the right to change or amend its Privacy and Confidentiality policy at any time by posting a new privacy policy.
- Information sent through e-mail is not secure. Please do not send confidential information (account number, social security number, etc.) through e-mail.
If you have questions about the practices of this site, or your dealings with this web site, you can contact:
Marketing Department
Harvard University Employees Credit Union
104 Mt. Auburn Street, Floor 4
Cambridge , MA 02138-3846
External Link Notice
For your convenience, we may provide hyperlinks or text links to other web sites. When you visit these sites, you do so at your own risk and you are no longer at HUECU's web site. We make no warranty concerning the level of security, privacy, or content of such sites, including accuracy, completeness, reliability or timeliness. You should review the privacy policy of any website you link to before you provide personal information.
Electronic Funds Transfers
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:
- Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, share savings, or money market account(s).
- Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or share savings account(s).
- Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.
- Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.
Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Call 24 Telephone Transfers – types of transfers – You may access your account by telephone 24 hours a day at (617) 496-2002 using your personal identification number (PIN), a touch tone phone, and your account numbers, to:
- transfer funds from checking or share savings to checking or share savings
- transfer funds from line of credit to checking or share savings
- make payments from checking or share savings to loan accounts with us
- get information about:
- the account balance of checking or share savings accounts
- the last ten deposits to checking or share savings accounts
- the last ten withdrawals from checking or share savings accounts
Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.
Your Option to Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your ATM card or Debit MasterCard® and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM card or Debit MasterCard and/or code to 50.00 per day or some other amount acceptable to us.
ATM Transfers – types of transfers and dollar limitations – You may access your account(s) by ATM using your ATM card and personal identification number or Debit MasterCard and personal identification number, to:
- make deposits to checking or share savings account(s) only at ATMs participating in the NYCE Shared Deposit Program
- get cash withdrawals from checking or share savings account(s) with an ATM card
- you may withdraw no more than 1,000.00 (or another amount determined by us) per day in combination with point-of-sale
- get cash withdrawals from checking or share savings account(s) with a debit card
- you may withdraw no more than 1,000.00 per day
- transfer funds from checking or share savings to checking or share savings account(s)
Some of these services may not be available at all terminals.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
Types of ATM Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.
Point-of-Sale Transactions – dollar limitations – Using your card:
- you may not exceed 1,000.00 (or another amount determined by us) in transactions per day in combination with ATM withdrawals
Types of Debit MasterCard Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.
Point-of-Sale Transactions – dollar limitations – Using your card:
- you may not exceed 3,000.00 in transactions per day
Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.
Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit MasterCard in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
MasterCard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 80 basis points (.8% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .8%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Computer Transfers – types of transfers – You may access your account(s) by computer at www.huecu.org using your user identification and your password, to:
- transfer funds from checking or share savings to checking or share savings
- transfer funds from line of credit to checking or share savings
- make payments from checking or share savings to loan accounts with us
- make payments from checking to third parties
- get information about:
- the account balance of checking or share savings accounts
- deposits to checking or share savings accounts
- withdrawals from checking or share savings accounts
Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers.
Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:
- During any month, you may not make more than six withdrawals or transfers from share savings account(s) to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction, or similar order to a third party.
- During any month, you may not make more than six withdrawals or transfers from a money market account to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Termination –
- You may terminate the electronic fund transfer agreement by written notice to us.
- We may terminate the electronic fund transfer agreement by written notice to you.
Minimum account balance –
- We do not require you to maintain a minimum balance in any account as a condition of using an access device (card or code) to accomplish a transfer.
- We do not charge for direct deposits to any type of account.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
- Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is or less.
- Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (617) 495-4460 to find out whether or not the deposit has been made.
- Periodic statements.
You will get a monthly account statement from us for your checking accounts.
You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
- Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at the telephone number or address listed in this brochure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.
- Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
- Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
- Any documentation provided to you which indicates that an electronic fund transfer was made to another person shall be admissible as evidence of the transfer and shall constitute prima facie proof that the transfer was made.
- The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided in the agreement, effectively eliminate your ability to stop payment of the transfer.
Unless otherwise provided in this agreement, you (the consumer) may not stop payment of electronic fund transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If you have an overdraft line of credit and the transfer would go over the credit limit.
- If the automated teller machine where you are making the transfer does not have enough cash.
- If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
- If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
- If the funds are subject to legal process or other encumbrance restricting such transfer.
- There may be other exceptions stated in our agreement with you.
In order that your privacy may be protected, we will not disclose any information about you or your account to any person, organization, or agency except:
- for certain routine disclosures necessary for the completion of a transfer; or
- for verification of the existence and condition of your account for a credit bureau or merchant; or
- to persons authorized by law in the course of their official duties; or
- to our employees, auditors, service providers, attorneys or collection agents in the course of their duties; or
- pursuant to a court order or lawful subpoena; or
- to a consumer reporting agency as defined in Chapter 93 of Massachusetts General Laws; or
- as explained in the separate Privacy Disclosure.
If an unauthorized disclosure has been made, we must inform you of the particulars of the disclosure within three days after we have discovered that an unauthorized disclosure has occurred.
(a) Consumer Liability.
• Generally. Tell us AT ONCE if you think your card and/or code has been lost, stolen, used without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephone us at 617-495-4460 or write to EFT Department, Harvard University Employees Credit Union, 16 Dunster St., Cambridge, MA 02138. You can lose no more than if you fail to give us notice of your lost or stolen card and/or code and your card and/or code is used without your permission.
• Additional Limits on Liability for Debit MasterCard™, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your Debit MasterCard™, when used for point-of-sale transactions, if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to Personal Identification Number (PIN-based) transactions or transactions not processed by MasterCard.
(b) Contact in event of unauthorized transfer. If you think your card and/or PIN has been lost, stolen or that someone has transferred or may transfer money from your account without your permission, for example, by using the information from your check or draft, call or write us at the telephone number or address listed in this brochure.
Chapter 167B of the Massachusetts General Laws was enacted to provide a means for financial institutions, businesses, and consumers to conduct their business relations more conveniently. Transferring funds electronically will supplement the use of checks, credit, and cash and will not replace these present methods of doing business. As a consumer, you should be aware of your rights if you choose to utilize this system.
- Prohibition of compulsory use. No person may:
-require you to use a preauthorized electronic fund transfer as a condition of the extension of credit unless the credit is being extended in connection with an overdraft checking plan, or is being extended to maintain a specified balance in your account, or require you either to accept a transfer service or to establish an account which is accessed electronically as conditions of employment or receipt of governmental benefit, or
-require you to pay electronically for the purchase of goods or services.
If your account is to be credited by a preauthorized transfer you may choose the financial institution to which the transfer may be made, if the institution is technically capable of receiving such preauthorized transfer.
- Waiver of rights. No writing or agreement signed by you can waive the rights conferred to you by Chapter 167B of the Massachusetts General Laws unless you decide to waive these rights in settlement of a dispute or action.
- Refunds. If it is the policy of a store or retail business to give cash refunds in return for an item purchased by cash, then this policy must also cover refunds for items purchased by electronic fund transfer unless it is clearly disclosed at the time the transaction is consummated that no cash or credit refunds are given for payments made by electronic fund transfers.
- Suspension of obligations. If a person agrees to accept payment by means of an electronic fund transfer and the system malfunctions preventing such a transfer, then the consumer's obligation is suspended until the transfer can be completed, unless that person, in writing, demands payment by other means.
- Prohibited means of identification. Your Social Security number cannot be used as the primary identification number although it can be used as secondary aid to identify you.
- Criminal liability. Procuring or using a card, code or other means of electronic access to an account with the intent to defraud is a basis for criminal liability.
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number (if any).
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, out of state account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
Business Days: Monday through Friday
Business Hours: 8:30 A.M. – 4:30 P.M.
Excluding Federal and Posted Holidays
Phone: (617) 495-4460
E-Delivery Agreement
This consent for electronic delivery applies to all required disclosures regarding all accounts you have with Harvard University Employees Credit Union (HUECU), and is effective until withdrawn by you. Agreeing to accept disclosures electronically means that once HUECU presents them to you, and if necessary, you click to accept them, they will apply to you and your accounts.
If you are opening an account on-line, you must accept electronic delivery of all disclosures. Printed versions of this information are not available for on-line applications, but are available if you choose to open an account by mail or in person at an HUECU location.
Electronic acceptance of disclosures means that HUECU will not mail them to you unless requested by you at a later date. To request a hard copy of a disclosure or to have all future disclosures provided to you in hard copy, you must write to Harvard University Employees Credit Union, PO Box 382609, Cambridge MA 02238 or use a method that may be made available to you on this web site. In general, disclosures that are posted to huecu.org will be available to members for six months after they are posted. Here is a list of some of the disclosures you may get electronically:
- Account opening Documents
- Statements
- Preauthorized electronic funds transfers
- Change-in-terms information for your account
- Annual notices including our Privacy Policy
- Any other disclosures that we are required to provide
- Notices related to any dispute you might raise under the Electronic Funds Transfer or Truth in Lending Acts
If HUECU determines that an e-mail message to you regarding any disclosure is undeliverable, we may, at our discretion, choose to mail that disclosure to you using United States mail.
You may withdraw consent for electronic delivery of disclosures, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal. To withdraw consent, or to provide updated information on how the HUECU may contact you electronically, you must write to Harvard University Employees Credit Union, PO Box 382609, Cambridge MA 02238 or use a method that may be made available to you on this website. If you withdraw consent for electronic delivery, HUECU will provide required disclosures to you using United States mail.


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Stunning 4 BDR split level home with charming centerpiece wood burning stove immaculately kept with many upgrades - Newer kitchen, windows, appliances and paint. Front and rear decks, patio and large fenced yard are perfect for entertaining. Lower level in-law suite with private entrance - handicapped accessible. Short walk to school, minutes to parkway entrance, Ocean City, Longport, Margate Beaches and AC nightlife! Sold Fully Furnished.
† Excluded Feature
130 Devon Road, Somers Point, NJ, 08244 is a Single Family Home for sale at $198,000 with a lot size of 75x121. 130 Devon Road has 4 bedrooms and 1.1 baths. The property's zip code is 08244 which is in Somers Point, NJ
Based on 20.00 % down and a 4.13 % financing rate
Includes Mortage, Insurance, and Tax payments
Each Weichert® Franchised Office Is Independently Owned and Operated
Information deemed reliable but not guaranteed.
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Default based on a 30-year fixed rate of 4.125% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.


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With in-depth interviews, focused features and fashion-forward editorials, our print publication features long-form coverage of the topics valued by readers.
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Ruslan Karablin, founder and designer of iconic streetwear brand SSUR offers a look at his
Doubling as a gallery as well as a store, streetwear essential SSUR has opened the doors to its
Following the success of the SSUR and CLOT's GUTTER STORE Hong Kong, the two brands are at it again
Stemming from a concept and apparel line in the '90s, Russ Karablin of SSUR's Rebel Ape character
On Tuesday, Agenda Las Vegas wrapped up its inaugural showing. An important stop on the fashion
Been Trill and SSUR have teamed up to produce a small collection of snapbacks. The offering
Renowned producer The Alchemist has teamed up with clothing brand SSUR for a limited snapback.
In celebration of their 10 years in the street fashion industry, The Hundreds have put out a brand


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I started my genealogy searching when I retired and my sons gave me an OLD, pieced-together computer so I would have "something to do". Games soon got boring, but I got hooked on the real search. I have found cousins that I thought were lost and found many more I never knew existed.
One of my sons received a book about his paternal grandmother's family and we had such a huge tree, we had to make two separate trees on Tribal Pages. Have traced one of his lines back to his 6th great-grandfather, John HART, signer of the Declaration of Independence. Other ancestors back to France in the 1600's, the Hugenots. And others back to Holland about 1390.
I have now raised 4 sons and 3 grandchildren,the youngest, was 20 in May. He is in the Army & just came home from Afghanistan. Two sons were in the Navy, one in the Air Force. My granddaughter was in the Navy and is now raising my two beautiful great-granddaughters. My husband and I were both Marines.
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James McMahan
RE: MaMa K
Yes, I am Kay Noska's brother, the one born in 1952. I just happened upon mama K on the internet and was thinking I never knew of her husband and spent some time in Plain Dealing after grandpa Bixler died. not too long, maybe 2 years and then we moved to Shreveport. I was talking to one of mama k's grand daughter a year or two ago and she also said she never know of a husband. mama k's daughter was neda and neda husband Travis
Added by
James McMahan
on Jul 29, 2016 12:51 PM
James McMahan
MaMa K
I am James McMahan III
I remember Mama K taking care of my grandpa in Plain Dealing. I was maybe 7 years old.
I see a last name of Bryce ? whatever happened to him?
James McMahan
Added by
James McMahan
on Jul 29, 2016 7:29 AM
Diana Satterfield
RE: Cleo EDMON, Memorial# 17435641
I am sorry to say I am not related so I have no more info to share.
Cleo is listed as living with his mother Bertha Mae Edmon (widow of J.E. Edmon in 1951) in 1954 in Bakersfield. He is listed as being in the army at that time. Later directories lists Cleo as the only Edmon in Bakersfield. He works as a laundry man at Kern General Hospital.
In the 1940 census, Cles Edman is listed in the family of Jainina and Bertha Mae Edman. They are listed as negro.
I don't believe this information is the one you are looking for.
Good luck in your research.
Added by
Diana Satterfield
on Jul 26, 2016 1:57 PM
Stacy Ann Williams
RE: Chloe McConnell-Barnett
Unfortunately, Chris, I do not have any other information. I have family buried there & basically, I completed the cemetery as much as possible from a transcription. Good luck hunting!
Added by
Stacy Ann Williams
on May 19, 2016 11:29 AM
Teresa Orr
Lonzo Quig Orr, Sr
Thank you for the information you shared about L.Q. Sr. I am L.Q. Jr's granddaughter. You stated Sr married Josie in July 1911. L.Q. Jr and Erma Lou were not born until March 1912. Do you know any information surrounding these events. My grandfather never spoke of his family. I am trying to fill in the gaps as I gather family history. Thank you, Teresa Orr
Added by
Teresa Orr
on Mar 12, 2016 8:55 PM
RE: Elizabeth Bird Teets Mem # 24052732
not sure -- I found Lurena (Rena)Bird as a servant in the 1900 census. - You might get her SSDI application and see who is listed as parents, or her birth cert. from the NJ archives.
We are distantly related, as I am also related to the Teets family.
Let me know if you find anything. - thanks
Added by
on Jan 07, 2016 5:16 PM
Molly McLaughlin
Aris Cox
The source of this is "Early Records of Georgia Vol. I and II Wilkes County" by Grace Gillam Davidson - Vol. I and extracted by her from
"Wilkes Co., Georgia Minutes of the Inferior Court 1801-1812" and page 235 of these minutes and page 161 of her book source above.
Page 235 ==Jan 7, 1811. Aris Cox, dec'd. Matthis Huff and Robert Cox appointed Admrs. William Saffold and Robert Dearing, Security.
(William Saffold/Ann Gaundelock were parents of Winnifred Saffold who marries Thomas B. Malone in Morgan Co., Georgia 1812 or so). William Saffold also was witness to will of a William Bostick
This Aris Cox is in bible record of Reuben and Joicy Hampton as father of Reuben, his mother Ruth Cox. Reuben Cox md. Joice Hampton, d/o John Hampton and Joice Malone...(Joicy). Reuben and Joicy lived in Yolabusha Co., Ms. (I know I spelled it wrong)
Added by
Molly McLaughlin
on Nov 28, 2015 10:03 PM
Molly McLaughlin
RE: Your Great-great-great-grandfather
1830 in Gwinett Co., Georgia is a Robert Cox, 20-30 male 1 male under 5, 1 male 5-10; 1 male 10-15; 1 female under 5; 1 fem 5-10; 1 female 20-30
Thomas Cox, 1 male 10-15> 2 males 10-15 ? 2 males 15-20; 1 male 50-60 or 40-50 (this has cross outs making it hard to figure; 1 female under 4; 1 female 5-10; f female 30-40; 1 female 50-60
Malone Cox; 1 male under 5; 2 males 5-10; 1 male 40-50; 1 female 5-10; 1 female 10-15; 1 female 20-30. I think the Malone is hard to read but all on same page...Image is number 130/144
Ancestry.com appears to show above a Malone Cox, a guy named Amasa Lewis. This interests me as this is a man involved in the estate of Mirandy Clinton Malone of Gwinnett Co., Ga. (md.there in 1830). He lived in Gwinnett Co. Ga. up to 1858/9 when he moved to Clarke Co. Arkansas then. He died by Oct. 1860 and a John Hampton Malone was applying for guardianship of the orphans of Mirandy Clinton Malone by 1861/2 then he died.
John Hampton Malone is a descendant of a William Malone of Clarke Co., Georgia-his father was a Thomas B. Malone d. about 1848 or so in Nevada or Dallas Co., Arkansas. Wife, Winnifred Saffold he md. about 1812 or so in Morgan Co., Ga.
I think an Amasa Lewis was involved in the estate of Mirandy Clinton Malone somehow. Mirandy Clinton Malone was a sister of my husband's 4th great-grandmother-Artemissa Malone (both Mirandy Clinton and sister Artemissa born 1810/11 in likely area of Jackson Co., Georgia...but Mirandy md. 1830 in Gwinnett Co., Ga. was deputy sheriff for awhile. DNA of another Clarke Co., Georgia Malone named Peachy Brooks Malone suggests a kinship with our Mirandy Clinton Malone-Peachy Brooks Malone b. 1818 in Clarke Co., Ga. and his genealogy suggest he is r/to William Malone there...who had sister, Joicy Malone Hampton and niece, Joicy Hampton Cox (md. a Reuben Cox, son of Aris and Ruth (Box?) Cox. Joicy Malone Hampton was married to A John Hampton...RS. So-this explains more of my questions. Lucy Malone Chappell would be a niece of Joice Malone Hampton and William B. Malone...(father of Thomas B. Malone-and this William Malone was a Jr. Jr Malone (William Malone Jr.) wife was "a" Sarah Hampton by his father (William Sr.'s will) 1826 Clarke Co., Ga.
Part of Walton Co., Ga. was formed by Jackson Co. Georgia and some of Gwinnett (they really closely border all each other.
Added by
Molly McLaughlin
on Nov 28, 2015 9:35 PM
Molly McLaughlin
Your Great-great-great-grandfather
You left a note that Malone Cox is your 3rd great-grandfather. I am interested in your genealogy,especially since the surname is Malone since I am a big Malone researcher...and in the Murray Co., Georgia area =Murray Co., Georgia in 1808 was still indian territory-do you know where he originally was from. I have a Nancy Ann Caldenoia Cox, whose parents were Joicy Hampton and a Reuben Cox of Jackson Co., Georgia-her mother was a Joyce Malone.
Joyce Malone had a niece named Lucy Ann Malone Chappell-they lived in Whitfield/Murray Co., Ga.
She also had nephews by surname Hamilton who lived same area. I have extensive Malone research in Georgia (and the south, basically).
What can you tell me about this family and Malone Cox?
Added by
Molly McLaughlin
on Nov 28, 2015 9:23 AM
bobby edmon
You may be required to have my e-mail. Its: firstname.lastname@example.com. Thank you.
Added by
bobby edmon
on Oct 15, 2015 9:43 AM
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BUSINESS groups last night gave a qualified welcome to proposals to bolster companies' relationships with the tax authorities that will be confirmed today by Gordon Brown.
Against a backdrop of increasingly fraught relationships between Revenue & Customs and big business, the Chancellor will accept the conclusions of a review by Sir David Varney into how these can be enhanced.
A report by Sir David, the former executive chairman of Revenue & Customs, will set out plans designed to foster greater clarity, certainty, speed and confidence in companies' dealings with the Revenue.
A key plank of the plan will be an


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In a new report, Amnesty International implores the U.N. Security Council to take immediate action to halt the Sudanese military's indiscriminate airstrikes that are driving tens of thousands into...


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Mark Peters : February 1st 2011 - 09:44 CET
Pandigital photo scanner
Pandigital personal photo scanner features one-touch scanning :
Pandigital has expanded its line of innovative photo scanners with a new model - the Pandigital Photo Scanner / Personal Converter - that can scan print photos up to 8 ½ x 11-inches large. Simple to use, the Pandigital Personal Photo Scanner and Converter requires no Personal Computer to convert print photos into digital images. Consumers can simply plug it in, insert their photo through the slim photo scanner, and, with a single touch of a button, scan photos onto the included SD memory card. You can then insert an SD card with JPEG pictures into their computer to upload the photos or insert the card into their photo frame to view the pictures.
Pandigital personal photo scanner
While the Pandigital Personal Photo Scanner / Converter (Pandigital PANSCN06) can accommodate photos up to 8 ½ x 11-inches large, it can also scan in photos as small as wallet-sized or any size in-between. Weighing in at less than a pound at only 13.79 ounces and measuring only 10.59(L) x 1.73(H) x 2.32(D) inches, the Pandigital Photo Scanner / Converter is incredibly portable and can be taken nearly anywhere to quickly and simply preserve images. The new Pandigital Photo Scanner / Converter extends Pandigital's line of photo scanners which also includes the Pandigital PhotoLink One-Touch 5x7 Scanner and the Pandigital Photo & Negative Scanner that can scan print images up to 4x6-inches large as well as negatives.
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Pandigital's award-winning line of scanners have been acclaimed for their ease-of-use and excellent performance. The photo scanner does not require any expensive or confusing software and employs a new twin-roller feeding system to ensure that the photos are scanned evenly each time. Further optimizing the quality, images are scanned at up to 600 optical dpi for resulting scans that have a crisp and clear 3800x7200 24-bit color depth resolution. In addition to being able to scan images onto the included SD memory card, the scanner accepts other popular memory cards (SD, MS, MS Pro, MMS, XD) and can also be connected directly to either a Mac or Personal Computer via its mini-USB port.
Pandigital personal photo scanner price & availability
The new Pandigital Personal Photo Scanner and Image Converter is available now for a Manufacturer's Suggested Retail Price of $149.99.
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Season 2 of the Overtime podcast is here! Listen to the first episode with Meg Robichaud now.
This is the final screen that shows all the details you can get on a museum. I changed a few things and came up with this.
Press "L" to like this shot and ...
November 26, 2012
This screen shows all the details to a specific museum and is part of the upcoming iPhone app mused.
Please have a look at the attachements for more details...
September 26, 2012
Here's another shot from the upcoming mused redesign.
As you can see this is the profile screen ;) Nothing spectacular but easy on your eyes, nice and clea...
August 27, 2012
Here's another shot from mused app. It shows a slideout menu whith which you can select multiple filters to refine the displayed museums close to your locati...
July 17, 2012
So this is the final version of the redesign. Changed some colors and the font. What do you think?
See attachement for details.
Press "L" to get some cookie...
June 29, 2012
This is another shot of the mused redesign. What do you guys think?
See attachement for details.
Press "L" to get some cookies, ;)
Here's my redesign for Mused App which i'm currently working on with @kevinelliott. It's all about finding and saving museums that are close to you.
February 01, 2012
Show and tell for designers
What are you working on? Dribbble is a community of designers sharing screenshots of their work, process, and projects.
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=============== MARIA SAYS Maria picks up the telephone, says "Tell me something I didn't know Don't talk about Michaelangelo Then you can come to town." Maria opens the apartment door, says "Show me something I haven't seen Don't hand me your turquoise canteen Then you can crawl on the floor." &nb
Description: Step-mother Wake Him Up To Get Her Ass Fucked nuvid, blonde, german, hardcore, small tits Duration: 13:07 10755 views
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An Empire is established and a dynasty starts It was 1015 A.D. and Mahmud of Ghazni was preparing to raid Hindustan once again. The wealth he had acquired from his last foray had dissipated. And besides which he wanted Hindustani cunt. His desire for those dusky sensuous creatures had been growing
(Note: The previous chapter, Chapter 2, Expanding a Limit, contains material which has forced its placement in the sister site AllExtremeSex, which can be accessed via the "Extreme" link on the Literotica Story page.) Chapter 6: Marketing Tawny woke up alone on Kira's bed. She had no idea of th
They stood in shocked silence for many moments before he spoke. "Good evening, my dears. I am greatly pleased to have you home again." His voice was soft and smooth, but the princess noted a bit of menace underneath. At length, he rose to his feet. For a moment he seemed unsteady, but it passed in
Before I get to the hot and heavy parts, let me tell you how it all began and how we all got together. ------------------ Today, I decided to add a simply framed 8"x10" mirror to my daily life. I'm going to put it on my desk, next to my all-in-one computer. No, I'm not vain, think I'm a handsome m
The Paul & Jenny Stories Pt. 07: College Days Copyright 1999 by Paul * * * * * Chapter 1 My fingers hurt. It felt like I'd been writing forever. My shoulder ached from when I'd dislocated it. Who's bright idea had it been for me to go to University? I had been there six weeks and it had seemed


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Here are five recommendations for young readers, all favorite family favorites, all ones that newly-six-year-old Miss Mali and I both agree are not just keepers but worth daily go-overs:
The Day Leo Said I Hate You tells of a loving but fiery little boy named Leo (the best name in the world, though this Leo is conversational). Leo gets angry and -- having overheard his mother use the word "hate" about broccoli -- decides to test out the phrase "I hate you" on her when her thoroughly reasonable but firm parenting choices make him angry. He is instantly horrified over having said something so hurtful, but his mother skillfully uses silliness and honesty to talk him through and past his penitence. It's a sweet, lovely, useful book, with lively illustrations.
The illustrator, Molly Bang, also created our family's beloved When Sophie Gets Angry--Really, Really Angry... -- a gorgeously colorful, empathetic take on a small girl working through an angry outburst on her own by leaving the scene until she cools down and feels reasonable again. When Sophie Gets Angry and The Day Leo Said I Hate You are similar to one of my own Leo's perennial favorite books, The Chocolate-Covered-Cookie Tantrum, in that they legitimatize the full explosive glory of the children's emotions before showing rather than preaching about how the kids found their ways back to calmer places.
We also love love love love My Name is Not Isabella by Jennifer Fosberry, in which a small and also intense, capricious, and clever girl spends a day declaring herself alternately named "Annie" (Oakley), "Sally" (Ride), "Rosa" (Parks), and "Marie" (Curie), and telling of the historically accurate things she will be doing as she channels each notable woman's persona. Fosberry's light, deft take makes each scene a romp rather than a lesson, and she includes biographies at the back for the kids (and parents) who get hooked and want to know more. Note to the author: A starting point for the sequel could be the Rosalind Franklin episode from the My Favourite Scientist website -- brought to you by the wonderful Periodic Videos folks from the University of Nottingham. Note to parents of inspired children: budding scientists can get find the coolest gear at Educational Innovations or American Science & Surplus.
Are you all done with happy pink &/or good fairy crap like Disney Fairies and Pinkalicious? (The latter seems awfully inspired by A Bad Case of Stripes, to my mind.) The tales of pint-sized mad scientist Franny K. Stein might just be the series for your family, especially if you have no intention of raising your children as delicate flowers -- these books show that it's OK for a girl to be socially awkward, occasionally antisocial, and interested in things that are gross plus in science and in geekery. We need more characters like Franny!
Babymouse is also quite awesome -- as a character and as a series. My girls are completely hooked on Babymouse's slightly neurotic but always exciting daydreaming and waking life adventures, whether our hero is a Rock Star, a Dragonslayer, or a Cupcake Tycoon. In fact, my eldest left a precious Babymouse behind when we two flew back from Cambodia -- and that loss rather than our trip was almost all she could talk about for several days. Babymouse is the goods.
Tell Me a Dragon is possibly the most beautifully illustrated children's book we own, and features various children's imaginings (so we're told) of their dragons' appearance and personalities -- and shows the dragons in forms you may have not considered, all hail dragon diversity! If, like Mali, your child champions The Lord of the Rings' fiery Balrog demon and enjoys listening to older kids' fantasy books like Tamora Pierce's Wild Magic -- or just likes dragons (or should like dragons, damn it), this book is an excellent choice.
For those looking for even last minute-ier gifts, I'll be publishing reviews of both Mali's and Leo's favorite iPad apps next Monday and Tuesday.
Disclosure: I was sent review copies of The Day Leo Said I Hate You and My Name Is Isabella, but was not otherwise compensated in any way. This review is entirely my own opining, and features not one scrap of promotional copy. Jennifer Holm, who writes Babymouse, sent us a copy of Cupcake Tycoon (Babymouse #13) but did so well after and in fact because we were established fans.


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I need some advice re a debt collector for debt in Australia.
We are now in NZ.
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February 23 2017 1 day ago
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But for all the hype surrounding new and exciting uses for LEDs, few facilities use other solid state technologies to meet their outdoor needs. Could the other SSLs benefit you?
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As hardy asteroid miner John Rochard, use a state-of-the-art gravity lifter to solve physics-based puzzles, battle nefarious space pirates, and uncover the mystery of your latest find.
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A comprehensive collection of children's books about Valentine's Day, including favorite characters! Perfect to read with your kids for the holiday. Valentine's Day... A holiday both adults and kids celebrate but in different ways. While parents head to dinner and bring flowers, kids pass out candy grams, Valentine notes and dress in red during school. And what better way to highlight the day of love than with children's books about Valentine's Day? 15 children's books about Valentine's Day Disclosure: This article contains affiliate links. Thank you for your support! I love … [Read more...]
52 Children's Books for Three Year Olds
Looking for children's books for three year olds? This comprehensive list includes a list of 52 books to read with your child, perfect for the whole year! My three-year-old twins are in that neat stage of reading where they're able to comprehend story lines. We've moved from simple baby books to those with more complex words and clear stories to remember. As I did last year, I compiled 52 books to share with you. Except this time, I stuck with a theme: books a three-year-old would love to read. It's surprisingly tricky to find books that fit this age. You want them hard enough to … [Read more...]
Top Children's Books to Get Ready for First Grade
A selection of top children's books about first grade. Read these picture books with your child as you get ready for the new school year! At my six-year-old's school, the kindergarten lot is separate from first grade and up. And this makes sense: For many of them, kindergarten is the first time they're in school. The first time they play with other children in a learning environment. After having gone through TK and kindergarten, my son now has another big change: the first grade. He'll be in a different part of campus away from the younger children. He'll spend recess and PE in the big … [Read more...]
7 Children's Books about Sending Mail and Letter Writing
7 children's books about sending mail and letter writing to inspire your child to write and send letters! Read stories and facts about the mail process. "I love it!" my six-year-old's teacher emailed me. Just that morning, she received a handmade card from him. The card came complete with the school's address scrawled on the front. Because he didn't just hand it to her... he mailed it to her. The idea of sending mail began, as usual, with my son's questions: "Where does our mail come from?" "How does the mailman know our mail goes to us?" "How does the mail get from the person … [Read more...]
13 Children's Books about Colors
Is your child learning about colors? Check out these 13 children's books about colors. From Dr. Seuss to Pete the Cat, your child will enjoy these books. He'll think this is cheesy, I thought. I had just borrowed Press Here by Herve Tullet and began reading it with my then-toddler. The book is all about interaction, from shaking the red, yellow and blue dots off the page to blowing them away. But I was surprised—my son not only pressed here and there, he shook and blew those dots away. Books are like that, which is why I love sharing my favorites with you. In this article, I list all … [Read more...]
8 Children's Books about Writing Letters
Is your child interested in writing books and stories? Encourage storytelling with these 8 children's books about writing. My six-year-old has been writing books for a while now. Stories like "The Sumner Kid Goes to North America Today" and "The Witches." He writes on construction paper, yellow-lined notepads, cardboard, you name it. And he'll bind them with the help of hole punchers, ribbon and string. He may have inherited this knack from me. When I was his age, I also wrote books I still have today. I even made my own worksheets where you had to solve riddles and sort things by … [Read more...]
Top 52 Children's Books to Read with Your Kids
Is your child looking for children's books to read? No surprise there. A kindergartener's interest in reading a book outside of school is 100%, according to The Read Aloud Handbook by Jim Trelease. By fourth grade, interest drops to 54%. Almost half, guys. What changes in fourth grade? Parents stopped reading to their kids. At some point, we assume kids don't 'need' us to read to them. When they can read every word in a book, we assume the next logical step is to leave reading to them. Almost like it's potty training—once they master it, they no longer need our help. But that's not … [Read more...]
10 Children's Books about Being Kind
Every parent wants to raise kind children. Start the discussion of what it means to treat others with these 10 children's books about being kind. Ask any parent which values they want to teach children, and 'kindness' will make that list. We need kindness more than ever in this world. We need kids to extend genuine kindness that isn't rewarded with stickers or a high-five. Kindness that's done when no one is looking. More importantly, we need kids to stick up for others. To not look the other way when they see someone needs their help. And to feel empathy for those around them. I … [Read more...]
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iFanboy.com - The Place To Discuss Comics, By Fans for Fans. iFanboy.com reviews the best comic books released each week.
December 14th, 2008
Episode 203 of 797 episodes
December 14, 2008 - Ron is freaked out by David Lapham, Josh channels Joey Lawrence, and Conor can't remember the name of The Dominators! All this plus a special announcement. The Pipettes
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- Blackhawks' Jordin Tootoo relishes sober life after years of alcohol abuseChicago TribuneUnited Center , Nashville , Canada , Nunavut , Rankin Inlet
- NNEWS: Nunavut fish quota increase helps correct historic wrongs: NTInunatsiaqonline.caIqaluit , Fishers , Baffin Island , North America , Asia
- WEven Toews working on game as NHL gets youngerwinnipegsun.comDenmark , Kelowna , Montreal , Nunavut , Rankin Inlet
- Blackhawks' Hartman injury not serious, could return Fridaydailyherald.com
- New-look Blackhawks ready for season opener vs. BluesChicago Tribune
- NNEWS: CamBay mayor critical of Nunavut MP Tootoo's unannounced visitnunatsiaqonline.ca
- NNEWS: Should Tootoo stay or go? Two Nunavut men give opposing answersnunatsiaqonline.ca
- 'I'm not resigning,' Nunavut MP Hunter Tootoo says after admitting to 'inappropriate relationship'CBC
- NNEWS: Nunavut MP admits to "consensual relationship" with staffernunatsiaqonline.ca
- NEDITORIAL: Tootoo's bewildered constituents deserve morenunatsiaqonline.ca
- NNEWS: Nunavut constituents want answers on MP Tootoo's conduct, political futurenunatsiaqonline.caPond Inlet , Ottawa , Iqaluit , Nunavut
- Hunter Tootoo Not Returning To Caucus After Addiction Treatmenthuffingtonpost.ca
- NNEWS: In Nunavut MP's absence, staff still work to serve ridingnunatsiaqonline.ca
- NNEWS: Photo: New Inuit fisheries minister gets marching ordersnunatsiaqonline.ca
- Jordin Tootoo alleges 'classless, personal' slurs from Alexandre BurrowsSporting News
- NNEWS: As election campaign heats up in Nunavut, Liberals anoint Hunter Tootoonunatsiaqonline.caClyde River , Canada , Ottawa , Iqaluit , Nunavut
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Shining knight Murray spurs maiden title bidAndy Murray saw off giant-killer Sam Querrey today as he ramped up his bid for a first Australian Open title after the shock departure of six-time champion Novak Djokovic. On a cool day in Melbourne, the men's number one and women's top seed Angelique Kerber ... Business Standard, 1 month ago
Murray eases into Australian Open pre-quarters - Business Standard, 1 month ago
AusOpen: Andy Murray enjoys better luck than Djokovic to reach fourth round - DNA, 1 month ago
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US complete 5-0 Davis Cup sweep of Switzerland
Sam Querrey and Steve Johnson won their singles matches Sunday to complete the United States second straight Davis Cup sweep of Switzerland. Querrey defeated Adrien Bossel 6-3, 7-5. Then Johnson, who clinched the Americans victory Saturday in doubles with ...Himalayan times, 2 weeks ago Isner, Sock to lead US against Switzerland in Davis Cup Himalayan times, 4 weeks ago
Tennis-ATP Tour singles standings
Jan 30 (Gracenote) - Standings from the ATP Tour singles Points 1 (1) Andy Murray(Britain) 11540 2 (2) Novak Djokovic(Serbia) 9825 3 (4) Stanislas Wawrinka(Switzerland) 5695 4 (3) Milos Raonic(Canada) 4930 5 (5) Kei Nishikori(Japan) 4830 6 (9) Rafa ...DNA, 3 weeks ago Flashback: How dominant Murray, Kerber owned the year Rediff.com, 2 months ago
Federer, Murray breeze through; Nishikori wins
Andy Murray and Roger Federer put on a masterclass on Friday as they swept into the last 16 of the Australian Open, hoping to take advantage of Novak Djokovics shock exit. Murray swamped Sam Querrey 6-4, 6-2, 6-4 and Federer humbled Tomas Berdych 6-2, 6-4, ...Deccan Herald, 1 month ago Aus Open PIX: Murray, Kerber race into round four; Coco, Wawrinka fight back Rediff.com, 1 month ago Murray, Wawrinka advance to 4th round at Australian Open Himalayan times, 1 month ago Andy Murray, Angelina Kerber named top seeds at Australian Open catchnews.com, 1 month ago
Djokovic has not worked hard enough, says Becker
IMAGE: Novak Djokovic of Serbia works out on Ashe Stadium court with coach Boris Becker (right). Photograph: Robert Deutsch-USA TODAY Sports/Reuters. Novak Djokovic lost his momentum in the second half of last season and was toppled as the world number one by Andy Murray because his work-rate dropped, the Serbian's former coach Boris Becker said on Wednesday. Speaking a day after the two terminated their cooperation by mutual consent, German Becker said Djokovic's need to spend more time ...Rediff.com, 2 months ago
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Sabienglae Restaurant in Lamai
Thai Restaurant in Lamai Beach0
Sabienglae Restaurant in Lamai Beach is an outstanding local Thai restaurant. It serves first-class cuisine in an easy-going setting right by the beach, with remarkably low prices given the quality. Although there are at least two other restaurants around Koh Samui which have the same name (at The Wharf Samui in Bophut and on the outskirts of Chaweng), they are not part of a brand and the Lamai restaurant is the original and best of the bunch.
The restaurant is found between the main ring road around Koh Samui (Route 4169) and the beach just south of the renowned Hin Ta and Hin Yai rocks. Entering under the illuminated sign by the road, you pass the fish tanks where the live seafood is stored before finding the restaurant proper. It is quite a rough-and-ready building, with a palm thatch roof supported by bare concrete pillars and wooden tables and chairs set out on a bare concrete floor. At the far end is a wooden deck with steps leading down to the beach.Read More
- Ang Thong Adventure Tour
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- Chanita Thai Cooking Class
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- Sea Kayaking at Ang Thong Marine Park
Despite these simple surroundings and service which can be a little blunt at times, Sabienglae Restaurant is one of the top-rated establishments in Lamai. The food is astonishingly good; swiftly yet perfectly prepared and chock full of flavour. We tried the chicken massaman curry (150 baht) and two of the huge king prawns with tamarind sauce (120 baht each). Arriving at the table within minutes, the curry is creamy and meaty. The prawns are a little bit fiddly to eat since they are served still in their shells, but the sauce really brings out the flavour of the crustaceans and adds an extra tangy dimension.
Best enjoyed with a group since the dishes are really designed to be shared, Sabienglae Restaurant has a nice convivial atmosphere and a cool sea breeze. It is very popular with local Thais, making it the perfect place in Lamai if you really want to get a true taste of Thailand.
Sabienglae Restaurant
- Opening Hours: 10:00 – 22:00
- Location: 438/82 Route 4169, Lamai
- Tel: +66 (0)77 233 082
- Website: https://www.facebook.com/sabienglae.samui
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Shelving Bracket, Left Flnge, Steel, PK12
REEVE| Zoro #: G1654527| Mfr #: 723-L-10
Zoro #: G1654527Mfr. Part #: 723-L-10
$44.69 /pk
Orders over $50.00 ship free. DetailsStandard ground shipping
Technical Specifications
|Zoro #: G1654527 Mfr #: 723-L-10
|Finish: Zinc
|For Use With: 1" Slot at 2" on Center 11 ga. Standard
|Material: Steel
|Color: Silver
|Gauge: 11
|Item: Shelving Bracket, Left Flange
|Height: 4"
|Depth: 10"
|Width: 3/4"
|Country of Origin (subject to change): United States
Product Description
Shelving Bracket, Left Flange, Material Steel, Gauge 11, Silver, Width 3/4 In., Depth 10 In., Height 4 In., Finish Zinc, For Use With 1 In. Slot at 2 In. on Center 11 ga. Standard, Package Quantity 12


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Hotfrog Philippines provides information regarding Fabriquem Integrated Resources in Makati Metro Manila. Fabriquem Integrated Resources is located at 235, Salcedo Street Room 809, /805, Cattleya Building, Makati Metro Manila 1229 and provides Home Improvement services. Contact them on (02) 893 7654 or by visiting them on their website http://www.fabriquem.com.
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Getting a high-quality Mercedes-Benz model for less is made entirely possible at Mercedes-Benz of Princeton, thanks to our Mercedes-Benz Certified Pre-Owned program. All vehicles that qualify for this distinct program has undergone a thorough inspection, come with the peace of mind of 24-hour roadside assistance, and are backed by an extensive warranty. Shop the selection of Mercedes-Benz Certified Pre-Owned vehicles at Mercedes-Benz of Princeton today!
Alex was such a pleasure to work with. He was always quick to respond, answered all questions and made the entire process seamless. I would definitely recommend him and Mercedes-Benz of Princeton to everyone!!
Nice & quiet except the TV's
Ask for Arno, he was an outstanding salesman who was extremely friendly throughout the process.
I bought a mercedes SUV a few weeks ago from Mercedes Princeton and it was an excellent experience all around. Kevin Keener was our sales rep. He was very attentive and professional. He knows alot about mercedes vehicles and gave me alot of tips and tricks about the vehicle which has really helped me acclimate to all the technology. I highly recommend going to Kevin at MB in Princeton!!
My sales Rep here was Kevin Keener this by far was the best experience I have ever had when purchasing a vehicle. He was extremely professional and courteous. I was nerves because this was my first luxury car so I was asking a lot of questions he answered all my questions and was very patient with me. The test drive was wonderful and explained in high detail. I love my car im very happy I got it I cant stop looking at it. I am thankful I went to him and this location. I would recommend him 100%.
Welcome to Mercedes-Benz of Princeton, where you'll enjoy a more personal kind of auto buying experience near Pennington, Monmouth Junction, Cranbury and Yardley Pennsylvania. Whether you come to us to browse our selection of brand-new Mercedes-Benz models or our extensive selection of Certified Pre-Owned Mercedes-Benz vehicles, or simply need maintenance at our service center, the staff at our dealership is ready to help. We've been committed to pairing drivers in the area with quality vehicles that meet their precise driving specifications and completing world-class automotive service for more than three decades in our family owned and operated location.
First and foremost, Mercedes-Benz of Princeton's sales representatives will work closely with you to determine exactly what you want from your Mercedes-Benz purchase and will guide you through your options. Our finance department will then secure a loan or lease you're comfortable with at a competitive rate.
Our relationships with our customers don't end there, as Mercedes-Benz owners can schedule service directly with us to have their routine maintenance request and repair requirements handled with care by well-trained technicians. Better yet, we always use genuine Mercedes-Benz parts on all replacements and repairs to ensure that your vehicle continues to run as it was originally intended.
Visit Mercedes-Benz of Princeton today at 2910 US-1 in Lawrenceville, NJ, or get in touch if we can answer any questions beforehand. We can't wait to work with you!
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2910 US Rt 1 (Brunswick Pike) • Lawrenceville, NJ 08648Get Directions
Sales: Closed
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Phone: (609) 450-1601
Phone: (609) 450-1634


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Through a length of the single insertion compartments of approx. 120 cm, this carrying bag is suitable for the walimex pro Background Systems 315 and 400. You can use this bag also for tripods with a maximal carrying length of approx. 120 cm. The bag can be unfolded in order to insert the tripods and tubes and then closed again with Velcro fasteners. There is an additional pocket for small parts outside.
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I will make webpages of any kind for you
About This Gig
Order Details
3 days delivery 2 Revisions
Best Web
Two days delivery.Standard webpages of any type.Just for 5 dollars.
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Are you fluent in English language?Yes of course .
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