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The following commentary comes from an independent investor or market observer as part of TheStreet's guest contributor program, which is separate from the company's news coverage.NEW YORK ( TheStreet) -- At
Tactical Analysis: Theta (time decay) is working in our favor initially with the bull put spread, but the more time that goes by, theta starts turning negative and eating into our bull call spread. Mid-course Guidance: This is a highly bullish trade that oil will spike between now and June due to world events, or at least historically rise on the summer seasonal travel cycle. We like the "thrust to weight" ratio of this trade -- it's nearly 1 to 1. Risking $4,755 to potential make $4,245. But like in combat and trading, nothing goes as planned. Eject Level: At
Top Gun Options, we have strict risk management rules of engagement so we can live to fight another day if things go south on us. We would eject from this trade if USO started heading south as "world peace breaks out" and people decide not to drive this summer (SOLD! On both accounts). We'll keep a close eye on this afterburner trade since it's a double-edged sword -- when it goes right it rocks, when it doesn't, well...it doesn't. As always at TGO, we close the trade if the commit criteria change. Our bullish double vertical on Las Vegas Sands ( LVS) last week returned over 700% in one week. Profitability Target: The trade objective is to allow the spread to achieve max profit but we'd be looking to take profits in the model portfolio on any spike or significant movement. We would not hold that bull call spread to expiry, unless it went through the roof. Exit Tactic: Simply reverse the trades. Firing Line: Oil is here with us to stay no matter how many Chevy Volts the president wants to shove down our throats (production has been halted, BTW...good times) or how many solar companies get sweetheart deals from us -- the U.S. Taxpayer -- that eventually implode leaving us on the hook and deeper in debt. And with the anti-drilling mentality and killing of projects like the Keystone Pipeline by this administration, black gold is here to stay and will continue to be volatile as international and domestic issues dominate the headlines.

subset: commoncrawl


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Greek4102. pistis -- faith, faithfulness
... world, but betransformed by the renewing of your mind, so ... the term is ever used in
the following way: Ro ... These statements sober the heart and inspire the soul! ...
//strongsnumbers.com/greek2/4102.htm - 18k
Letter iii. --Interior Oppression.
We have a Testimony to the Use of Easter Hymns in Church in the ...
Letter viii. --violent Temptations.
Old Truth for a New Epoch
The Following Letter is Added as a Specimen, Out of a Very Large ...
Shall we Go?
Letter xx. --The Fruit of Trials.
Found by Jesus, and Finding Jesus
Righteousness is not Placed in Jewish Rites but in the Conversion ...
Letter i. --Rules to be Observed in Illness.
Topical Bible VersesActs 22:16
And now why tarry you? arise, and be baptized, and wash away your sins, calling on the name of the Lord.
John 14:15
Acts 2:38
1 John 2:27
LinksBible Concordance • Bible Dictionary • Bible Encyclopedia • Topical Bible • Bible Thesuarus


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This dress got a number of compliments when I posted it on instagram. Just to let you know, this isn't actually a dress but a top and a skirt. Thanks to the inspiration that I got online, I tried hand-painting the skirt and so far, I am happy with the result. Not bad for a first-timer! It is actually easy and you can also do this at home! You just need to allot time, effort, and exercise your creativity muscles!
Let me share with you how I hand-painted this skirt.
1. I used the skirt that my mom gave me. This skirt had been resting in my mom's closet for a long time. It is time to give it a new look!
2. Textile paints and brushes. I just used two (2) colors = white and green
3. Pastel Dye Sticks
1. I first drafted the leaves and the flowers using white and green pastel dye sticks. For beginners, I would suggest to draft your design on a piece of paper before drawing it on your fabric.
2. After I finished drawing the design to my skirt, I waited for an hour to let the dye dry on the cloth.
3. To make the design permanent, I ironed the skirt. I placed a bond paper in between the iron and the cloth.
4. After ironing, you would notice that the design became subtle. This will be your template for painting.
1. Before painting, I placed a (clean) garbage bag inside the skirt to protect the posterior part just in case the cloth would absorb too much paint.
2. I painted the designs that require white paint first.
3. I painted from top to bottom.
4. Since I am using a black fabric as my canvass, I mixed white and green paint. In so doing, the green paint would be highlighted if it will be painted on a black fabric.
After painting, I air dried it and ironed it again to make the design permanent. (Make sure to place a grease paper in between the iron and the cloth as you iron it.)
🙂 🙂 🙂 🙂 🙂
I paired it with a black tank top and it looks good together!


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Henry J. Austin Health Middle Intro
Name of Responsibility: Heroes is a real-time technique recreation, but the gameplay mechanics is similar to that of Conflict of Clans. And while the sport will not get 10/10 from some reviewers, CoD fans would possibly discover this a welcome change from the standard run-and-gun mechanics.
Above is an instance of a weekly activities timetable that could possibly be put into place in a house that has up to 30 or forty residents. Homes greater than this would need to have not less than 2 organised activities each morning and afternoon. We await your response as soon as attainable. Always contact me on this e mail or through my cellphone number for extra information.
Gastroenteritis signs similar to norovirus have surfaced in the UO group. The severity can range from a gentle abdomen upset for a day or two with delicate diarrhea, to extreme diarrhea and vomiting for a number of days or longer. Discover ways to prevent the spread of germs, and to take care of yourself if you are sick. Plan to be protected on public transit by taking note of bus schedules and mapping your path to and out of your vacation spot ahead of time.
Nowadays, all houses, whether or not residential or nursing, are required to offer actions for his or her residents on a daily basis, which are stimulating, participating and person centred, guaranteeing their minds and our bodies are saved lively, healthy and alert. They are saying to take a standardized extract of 500mg to 1,000 mg daily. It is the gamma linolenic acid (GLA) in it that helps with the above. They are saying to not take it if you're taking antipsychotic medications, medicines that increase bleeding or you probably have a history of seizures.
In the winter, you'll be able to maintain a paper ball snowball combat (or a cotton ball snowball fight). Ten minutes of throwing things at each other actually gets your arms going. The group has been given its chance to participate within the pink #DCsis2sis selfie problem for Breast Cancer Consciousness Month. PCHC has an OB/GYN on staff that see's pregnant girls and delivers at Maryland General Hospital. We don't deliver at the clinic. Regardless of the supply of your coworker's bother, you're in a very good position as a colleague to express concern and to encourage them to hunt help.


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Modeling Modesty in an Immodest World
When you think of a modest maiden, what comes to mind? How would you describe her? For the rest of this article, we're going to talk about a fictional modest maiden, Anna. Anna is feminine, beautiful and radiant. She's sweet, kind, gentle, discreet, and a young lady seeking God with her whole heart. I would guess that most of you have a good visual image of her- yet I haven't even described the most basic of her physical characteristics!
I didn't mention to you what clothing Anna was wearing. But can you picture this young woman in a mini skirt and halter top? I can't! Her heart and character will flow through into every area of her life- including how she dresses.
We, like Anna, must start with our hearts, and let that flow through every aspect of our lives. This is not an excuse to dress immodestly! However, there are some young ladies out there who do everything "right" as far as dress codes go. Sadly, though, their hearts aren't in tune with the Father's. Some may lack radiance- you can't coax even the slightest smile from their lips, or a friendly greeting. Others lack discreetness, and tend towards loudness, boisterousness, and a flirtatious attitude. Where do you stand? Evaluate your heart, dear sister, and see what changes need to be made in your attitude, in order to be truly modest. Let us journey through some of Anna's characteristics together.
We first note that our model is feminine. What is true femininity? It's a working of the heart that comes through in your dress, as well as the things you say and do. One dictionary notes that femininity is "having qualities traditionally ascribed to women, as sensitivity or gentleness." We should strive for our very being to be feminine. Anna chooses modest, feminine clothing. Many ladies have taken modesty to the "frumpy, unkempt" extreme. Our outward appearance isn't everything, but it is an important testimony. Choose colors and styles that are modest, feminine, and work well for you. Anna enjoys allowing men to be masculine, by not doing everything herself- even if she is capable. There's something very lovely about a feminine lady that those around you will appreciate- because it's how God intended for things to be.
Anna is very beautiful and radiant. Her physical features may not be what the world would classify as "stunningly beautiful", but no one around her notices. Her ever-in-place smile lights up her face so brilliantly, it's hard to see anything else. Where is your smile? Do you wear a genuine one, or is it tucked away? She's joyful and this radiates to everyone around her. While feminine and discreet, Anna is very vibrant. She's friendly to her neighbors and others she meets, and the first to welcome a stranger. Are you friendly and approachable? Do you make an effort to approach others who may be uncomfortable?
Our heroine is sweet and kind. She delights in spending time with children and babies. Her family and friends all know they can come to her with anything they're struggling with or bothered by, because she's compassionate. She isn't judgmental, but loving. How do people feel about you? Are you adored by the children around you? If this isn't something you've tried much, do! You will be greatly blessed.
Anna is also gentle. It shows through in her tone of voice as she speaks and in her movement while she's cradling a newborn. What about you? Is your tone calloused and harsh? Do you do things in jerky patterns, or with grace and gentleness? I'm not talking about every movement you make needing to be "perfectly graceful" (some of us are just really good at tripping!), but the "aroma" you're spreading around you. Are you too hurried to be gentle to the child bothering you for the one hundredth time?
We've mentioned that Anna's discreet. Synonyms of "discreet" include: modest, conservative and thoughtful, while antonyms would include flirtatious, thoughtless and rash. Flirting, and anything opposite discreet is very popular these days. In fact, many discreet women are even referred to as doormats! Don't be bothered by the world's opinion of you. John tells us that the world will hate us for following Christ. Ladies, we need to be ever so careful in this quality, which is mainly an attitude. Once more, however, if your heart is right it will show through in dress. It doesn't matter how conservatively you're dressed; if you aren't being discreet in your actions, it does no good.
Anna is actively seeking God with her whole heart. Are you? No matter where we are in life, no matter how young or old, this is all-important. We should spend our entire lives living for Christ, searching after Him. Do you seek to spend time with God? How about serving Him, through serving others in menial ways? Now, as singles, is one of our largest opportunities to seek after and serve Christ- are you taking advantage of that, or are you wasting your teen years?
All of this leads to the way Anna chooses to dress. She dresses modestly, because it reflects her King, and heart. She earns more respect and is treated like a lady when she dresses like one. How about you? Are there areas in your heart attitude that need to be changed, so you can model Christ more brilliantly? Does your clothing reflect your attitude? May God bless you, my sisters, on your journey closer to the Father's heart!


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Saudi SOE (Statement of Earnings) not showing any details after setup
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Cracking collaboration
Some great collaboration this morning in Year 6 working on understanding the literary devices in The Highwayman.
Some great collaboration this morning in Year 6 working on understanding the literary devices in The Highwayman.
Year 6 started to look at the famous poem, 'The Highwayman' by Alfred Noyes. They thought of some excellent questions inspired by reading the first two pages.
Year 6 have been crafting poems about the teachers in our school! We look forward to reading some of them!
Year 5 and 6 worked with Paul to write this great poem. That's no place to put a pet!
Following our visit from Mr Shafiq last week, year 6 recapped the Muslim pilgrimage of Hajj and then reflected on way this happens.
Year 6 worked hard this morning writing biographies. They used the plans they had written on their iPads. Look out for some of these on Pobble.
Year 6 have been busy working on how to write good biographies. Over the last week we have honed our writing skills and we look forward to reading the final pieces!
Year 6 had a great day out at Westinghouse Springfield last week learning about electricity. The children made circuits and thought about electrical safety. The class then had a tour of the site where fuel is manufactured for nuclear power stations, which was very interesting.
Year 6 wrote poems containing personification. Can you spot the personification?
Year 6 have been finishing their letters today and made some great edits and improvements using their purple pen. They also took inspiration from some of the published pieces on pobble.com.


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Good evening to all! I just wanted to check in before retiring for the evening. I am exhausted and ready for bed. I think I am drained because of the gray and darkness and dirty snow and cold temperatures. You can definately see that this is also affecting the kids as well. They are being extra poopy lately. I think our family needs some warm temperatures and sunshine and green grass. I can't wait to plant some flowers and get out the patio table and have breakfast on the back deck.
But for now, I will sit here after dinner updating my blog(s). Looking out the window at the darkness, the grayness, the whiteness and my porch with a (half-lit) sring of Christmas lights still up.
I was actually house shopping for a bit this evening. With Cassy at my side, I scrolled through a small British town, looking at posted pictures of the available listings. Fell in love with two. Now I just need to pick the winning numbers and I am so there! I looked at one picture of one of the back yards and asked Cassy if she could imagine having our family reunions there. Her response: "Oh yeah!"
Maybe I should check out listings in Italy..... Mediterranean side?
Like I said, all I need is to pick the winning numbers.
Well, Cheerio dearies!


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Denison Vane Pump - Chinaprice: check with company for price
Denison Vane Pump T7/T67/T6, T7A ISO| Industrial Hydraulic Pumps
Denison Vane Pump T6*M | Mobile Hydraulic Pumps
Denison Vane Pump T6H | Denison Hybrid pump
Denison Vane pump T6*R, T7A ISO, T6G - T67G - T6ZC
Denison Vane pump double T6CCZ
Denison Vane pump TB Denison Vane pumps for industrial applications.
Denison Hydraulic Component we can offer:
Denison Vane Pump, Denison Piston Pump.
Company Contact:
- Posted By: A&S Hydraulic Co., Ltd
- Phone: +862865376763
- Address: No. 469, Xinsheng Road, Gaoxin District, Chengdu, Sichuan, China
- Email:
- Website: http://www.as-hydraulic.com
Published date: June 23, 2016 -
- Business Description: A&S is the Global Supplier of Hydraulic System Components.
With long term working experience in hydraulic system industry, A&S Hydraulic's complete line of hydraulic products serve almost all industries in manufacturing and technologies, such as industry of marine machinery, mining machinery, construction machinery, engineering machinery, oil and gas machinery, port machinery, etc. Our hydraulic pumps, valves, motors, cylinders and other hydraulic components, as well as our hydraulic drive systems, serve to drive and control a wide range of equipment and machinery.
Our complete hydraulic products line is as following:
Hydraulic Pump- Bent Axis Pumps, Swash plate Pumps, Gear Pumps, Vane Pumps, Radial Pumps, etc.
Hydraulic valve- Control valve, cartridge valve, modular valve, servo valve, etc.
Hydraulic Motor- Gear and vane motors, Gerotor motors, Axial plunger motors, Radial piston motors, etc.
Other hydraulics-Hydraulic cylinder, hydraulic jack,etc.
These brands we can supply:
Bosch Rexroth, Parker, Eaton Vickers, Atos, Hawe,Kawasaki, Yuken, Sauer Danfoss,Denison, Nachi, Daikin,Shimadzu, Miller,etc.
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Go here to vote: http://theoriginalscrapbox.com/craftbox_giveaway/showContestant.php?id=267
Go here to link to my blog and comment: http://theoriginalboxerbrats.blogspot.com/
Comment and Cross post from Facebook: Laura Burleson, Redding, CA
Yep, I am giving away at least $25 in prizes. For each 100 votes reached, I will add to the candy! Comment on my blog = 1 entry. Link my blog & contest to your blog or
social page = 1 entry! The more you vote, promote, the more entries you receive in the giveaway.
All items will be brand new in the package, etc. You will not be disappointed!
I appreciate your support last time, and I want to properly appreciate you all for voting and promoting by giving you prizes, too!
The more you blog, Facebook, MySpace or Twitter my entry and the contest, the more entries you get. Please let me know what you are doing to promote this!
I appreciate you all VERY much! Thanks for your support.
Thank you for your patience


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Yes, sad but true. Loovus will be closing its doors, indefinitely, October 1st. RL is getting very busy, so I have to say goodbye. But before I go, we're having a huge sale! 100L, or less, on all Spring2015 collections/event exclusives. And over 50% of fatpacks, and VIP membership. Yes, I will still be creating gifts until the end of the year! All items will be moved to Marketplace eventually, so you can still shop LD. Love you all so much. Tyvm for being a part of my dream.
These are just some of the collections for sale at our main store


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John Vincent Hurt was born on January 22 1940, in Chesterfield, Derbyshire, England. The son of an Anglican minister, Hurt had a sheltered, conservative upbringing. Despite living just across the street from a cinema, his parents did not allow Hurt to go to the movies. However, they did take him to see theatrical productions, and Hurt acted in school plays.
Though Hurt loved performing, his parents were worried about the risky nature of the acting profession. Instead, they pushed their son to study painting, with the goal of becoming an art teacher. Hurt first went to Grimsby Art School, then attended Central Saint Martin's College. However, Hurt still wanted to pursue acting. After receiving a scholarship, he enrolled at the Royal Academy of Dramatic Art and graduated in 1962.
In 2000, Hurt talked to 'The Guardian' newspaper about his early desire to act, saying, "I was effused with a feeling of complete and total enjoyment and I felt that that's where I should be . . .I don't know what psychological terms I could use, but I felt absolutely in the right place. I felt in the center of myself and I felt that I could express myself in that way."
In 1962, John Hurt made his film debut in 'The Wild and the Willing' and his first professional appearance on the London stage in 'Infanticide in the House of Fred Ginger'. In the following years, Hurt received acclaim for his stage work. Wider film success came in 1966 with his portrayal of the deceitful Richard Rich in 'A Man For All Seasons'.
On the small screen, Hurt wowed audiences with his portrayal of British gay icon Quentin Crisp in the adaptation of Crisp's memoir 'The Naked Civil Servant' in 1975. He went on to gain international fame with 'Midnight Express' (1978). In the movie, he played Max, a heroin addict imprisoned in Turkey. Hurt's performance earned an Academy Award nomination for best supporting actor.
In the sci-fi thriller 'Alien' (1979), Hurt took on the memorable role of Kane, the first victim to have an alien burst out of his chest. Hurt would appear in a more humorous version of that scene in the Mel Brooks comedy spoof 'Spaceballs' (1987).
In 1980, Hurt teamed up with director David Lynch to take on the title role in 'The Elephant Man'. His portrayal of John Merrick in that film earned Hurt a second Academy Award nomination, this time for best actor.
Hurt's prolific film career included appearances in 1984 (1984), a film adaptation of George Orwell's novel, 'The Field' (1990), 'Rob Roy' (1995), 'Love and Death on Long Island' (1997), 'Contact' (1997) and Beyond the Gates' (2005), among many others.
Hurt played the small but important role of Mr. Ollivander, a wand merchant, in several 'Harry Potter' films. His other recent movies include 'V for Vendetta' (2006), 'Indiana Jones and the Kingdom of the Crystal Skull' (2008) and 'Tinker Tailor Soldier Spy' (2011).
In 2012, the British Academy of Film and Television Arts gave Hurt a lifetime achievement award for his contributions to British film. Though best known for his movie appearances, Hurt also maintained a critically acclaimed stage career and made frequent television appearances.
In 2013, Hurt appeared in the cult favorite 'Doctor Who' series as Doctor War. He appeared opposite Dwayne Johnson in the action epic 'Hercules' the following year. Hurt also had a role in the dramatic action series 'The Last Panthers' (2015). In 2016, he played a priest in the biopic 'Jackie' about First Lady Jackie Kennedy (Natalie Portman).
Hurt has been married four times. He had two sons, Alexander John Vincent Hurt and Nicholas Dalton Hurt, from his third marriage.
In June 2015, Hurt announced that he had been diagnosed with pancreatic cancer. After his diagnosis, he told 'Radio Times': "I can't say I worry about mortality, but it's impossible to get to my age and not have a little contemplation of it. We're all just passing time."
Hurt past away on January 27 2017 at the age of 77, of pancreatic cancer.
Source: Biography


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In 2006 14,386 Republicans voted in the U.S. Senate race in which 2505 votes went for Christine O'Donnell. 301 votes were cast in the 35th Rep District, 367 votes were cast in the 36th Rep District. 469 votes were cast in the 37th Rep District.1137 votes (of which O'Donnell got 130 votes) were cast in these three Rep Districts. These 3 districts accounted for 7% of the total votes cast in the statewide primary.
In 2004's 21,670 votes were cast statewide in the GOP primary for Governor with 590 cast in the 35th, 729 cast in the 36th and 813 cast in the 37 th . These districts accounted for 2132 votes cast or 9% of votes cast statewide.
In 2008 in the GOP primary for Governor the 35th accounted for 1094 votes, the 36th accounted for 1564 and the 37th accounted for 1746. 4404 votes were cast in these 3 rep districts or 15 % of the 28,972 total votes cast statewide in that race.
In 2004 and 2006 none of these districts had a local primary,but in 2010 there is hotly contested race for the 19th State Senate seat which has at least four election districts in each of these Rep Districts which comprise 14 of the 16 election districts in the 19th Senate District.
In 2008 when the relative impact statewide of these three districts was significantly higher, there were local primaries . Sussex County Council District 2 and 3 each had a GOP primary . 20 election districts within the boundaries of these two county council districts are in one of these 3 state rep districts which have at least 4 EDs which are in the 19th State Senate District. The portions of these County Council Districts that were in these rep districts provided 976 in the 35th, 155 in the 36th 691 in the 37th in the 2nd County Council District and 58 in the 35th 1417 in the 36th and 1069 in the 37th in the 3rd County Council District . 4366 voters cast ballots in one of these three rep districts in one of these two county council races.
Since that is only 38 fewer voters than voted in the Governor's race it is entirely possible that hundreds of voters may have been brought to the polls by their interest to vote in the local race and then voted in the statewide race. If this is not the case what could explain twice as many voters participating in 2008 than 2004, both presidential years involving the same opponents, Bill Lee & Mike Protack? While the statewide GOP votes cast went up only 33% from 21,670 to 28,972, the turnout numbers in these districts more than doubled from 2132 to 4404.
The fact is that of the 3 examples the only one in which the percent of statewide total exceeds 10% is the one where local primaries are involved.
I can not predict the amount of the impact,but I think the 19th State Senate primary will drive up the relative impact these three rep districts have on the statewide GOP primaries for US Senate and US Rep .
Numbers quoted are the from the Delaware State Election Commissioner's website:
Saturday, September 11, 2010
State Senate Primary may increase impact of the 19th State senate District in GOP statewide primary
Posted by John Tobin at 8:29 PM
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Orlino Miguel Bareng
Posted On August 20th, 2011 - Honolulu Star-Advertiser
84, died in Wenatchee,WA. He worked at Pearl Harbor Naval Shipyard. He was born in Kahuku. He is survived by son Gerry A. (David Aselton), daughter, Angela (Matt) Prater, brother, Jaime (Carmelita) of Salinas, CA; sisters, Juanita Duldulao and Pacita Cabbab both of Kahuku; grandchildren, Lauren & Jacob Prater.
Visitation 11 a.m. Monday at St. Roch Parish in Kahuku; Service 12noon; Burial 2 p.m. at Hawaiian Memorial Park Cemetery
Posted in Family Placed Obituaries


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PROSCO Inc. is proud to represent the Italmatic line of strip builders.
PROSCO Inc. is the exclusive distributor and service provider of the Italmatic strip builders in USA, Canada, Mexico, and South America.
These quality machines are made in Italy, and represent many years of Italmatic's expertise in building machinery for the rubber industries.
The MRC 90 machine efficiently extrudes and wraps rubber onto rollers, with a quality extruder traveling on a platform, and bed with a driving head stock and movable tailstock.
• 770 Lbs. (350 Kg) / Hr. Average Output
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STANDARD MRC 90 Roller Capacity:
• 1.2" (30mm) Min. Diameter 39.7" (1000mm) Max. Diameter
• 4" (100mm) Min. Length 20' (6000mm) Max. Length


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After all we've been through and the way the world is turning, we tend to lose hope. Wars, corruption, ideologies that keep on showing us that we may be on the wrong side of the battle.
When we see what is happening all around us, there is danger to lose all hope, to stop trying to do good, to cease the fight to defend ourselves and our rights, not to fight for what is good or right, nor to keep the faith in humanity.
You may think that it is easy to talk at a distance, not knowing what others may suffer. However, that idea is far from reality; the impotence we have and the need to help you is a kind of suffering we bear: to see you fight for what is right and suffer. At least these writtings may bring you comfort and strenghth to keep on going knowing that someone at the other side of the world cares.
Tha is why dreamers don't hope, they imagine another reality. Hopes let us change the world right here and now.


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Pre-Match Press Conference - Al Ahli
Al Ahli's Spanish coach Joaquin Caparros sounded desperate for a victory when he spoke to the media ahead of their QNB Stars League Round 5 match against Qatar SC.
"This is a crucial game from our point of view. We've had too many disappointments so far this season and we need to win this match. We'll throw our everything into it, so we can have something to cheer as we move up the standings gradually," said Caparros.
"We've a good group of players. I'm happy with our local and professional players. During training and matches, I can see their determination. I've also seen their competitive spirit. Our results aren't a fair reflection on them, though.
"Injuries to some key players are mainly affecting our performances. I hope this match result will favour us. It could be a huge morale-booster for us," he said.
Caparros lavished praise on their first-choice goalkeeper Mohammed Mubarak, who also addressed the Press Conference.
"He works hard during training and we're lucky to have him from Al Arabi this season," said the Spaniard.
The coach ruled out rumours that he was under pressure from the team management.
"I'm not under any sort of pressure. I've had lots of experience in Spain. The team management knows that you've to be patient to get good results," he signed off.


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The Feel Good Tour
Share Thread
Subject: The Feel Good Tour
From: billhudson
Date: 15 Nov 08 - 01:56 PM
I have been asked by Mudcat Cafe to post something as to what we are doing with The Feel Good Tour. In the past I might have posted a thing or two as to what we are doing down in the Gulf Coast. But here it goes and hope all this makes some sense.
This project was started by the simple urge to go very soon after Katrina happened now almost 3 years ago. With the help of http://www.dragonfly.com/ and a car, some instruments, some camping stuff, we went down that way not knew anyone but knew where the destruction was….South. We now have made 12 trips and now we have 4 area schools we have adopted. How all this happened was in a word, serendipity. We found the food lines and pulled out our instruments and cheered up the troops, I guess you could say. At the time we were living out of our car and were for the lost in that mess. But at times you could say we had the wrong directions but the right path. If you want to read more just go here, http://feelgoodtour.blogspot.com/ it tells the story right from the start.
What we have been trying to do to outreach to folks in the music community and letting everyone know that is a need for musical instruments in the schools we have visited. We take one school at a time and this is a very grassroots group. If you have an instrument that has been sitting in the closets for a while and not being used then feel free to contact me. So far we have collected about 200 instruments.
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Organizacja weselaAutorem artykułu jest Tomasz Galicki
Organizacja tego najważniejszego dnia w życiu nie jest przedsięwzięciem łatwym i często trwa co najmniej kilka miesięcy, jeśli nie rok. Przed osobami, które podejmą się stworzeniu odpowiednich warunków dla tej uroczystości jest niemałe wyzwanie,
Artykuł pochodzi z serwisu www.Artelis.pl
Thomas is the author of this article Galicki
The organization of this most important day in my life is not an easy undertaking, and it often takes at least several months if not years. From people who take the creation of adequate conditions for this event is a challenge,Yet you need to order a wedding hall, choose invitations, accessories, contact a good photographer, arranged the menu and of course especially to help the bride choose the right dress. Very often came to the bride and groom decide to organize everything on your own, sometimes they come with the help of witnesses, friends and parents, of course, but also became a popular hiring a catering company, which will make sure everything is buttoned the last button, of course, guided by the our guidelines. Both one and the second form is good, both have also their advantages and disadvantages, but today will be about what is necessary, so the wedding hall, photos, menus and music.Wedding date is often determined well in advance, because the relatively earlier needed to deal with finding a wedding hall. We can not decide on the palatial room, wedding hall or manor house with the possibility of accommodation, which in Poland more and more. Of course, we can ensure that, in this most important day to decorate it more "in your taste, but the owners of halls very often propose solutions that are ideally suited to the climate of the place. The size of the room is also dependent on the number of guests, if you want to arrange the adoption of only the chamber may be sufficient to hire the restaurant where the wedding will be held at two hundred people, you have to think of a much larger area.At a time when we start looking for a wedding hall, it is also podpytać friends, perhaps those who recently were married or not recommend a photographer. Often spread by word of mouth the best information about the people who make unique moments will be immortalized forever. Often when there is no "season", so in the winter months, they lower the prices of their services as much as 40%, so you may want to take this issue into account.Equally important is the choice of menus, although the annual advance is unnecessary.But it is useful to take into account the fact that among the wedding guests may arise are those who are vegetarians - it is good to remember the dishes well for them.Weddings are often houses offer set menus of traditional Polish cuisine, or international, so we can also consider their offer. As for alcohol, the Ecology is to reign on the tables, not only to vodka, but that they were on a red and white wine, beer, or a bit "exclusive" drinks, so the whiskey, and brandy. Let us also remember the number of soft drinks.In the case of the music selection really have to choose the color. We may be tempted to employ a rock band, a professional DJ or wedding band with a real event, which will surely at some point be ready to serve, "White Bear".Organization of weddings is not a matter easily and often forget about things that seem insignificant. So I hope that these few practical suggestions will help you avoid unnecessary nerve and possible mishaps.


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Hair Care
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Salon of the Month
We're committed to our network, and thank those who have been a part of the Intelligent Nutrients story. These are the establishments that are changing the world, offering the latest in sustainable products and practices to achieve a greater good.
11089 Resort Road, Suite 203, Ellicott City MD 21042
410.750.7270 • inspiresalonmd.com
Tell us about your salon?
"Inspire is special because it's Howard County's first organic, eco-friendly, cruelty-free salon. Our family-like environment makes for the ideal work place. You can feel our love and passion as soon as you walk through the door–but we don't stop at using organic products. All the lighting in the salon is LED and energy-efficient, our countertops are eco-friendly concrete, the stylist station mats are made of recycled material, and all furniture in the salon is up-cycled or hand-made. We do everything we can to support the environment and give back to Mother Earth."
What inspired you to work in this business?
"I started working in the beauty industry when I was 13 years old. 18 years later, I still feel as if this is my calling. Clients, stylists, and nature are my greatest inspirations. Making clients feel good, helping my stylists achieve their goals and dreams, and my goal to impact how this industry does business keeps me inspired daily."
Why did you choose IN?
"I chose IN because of the mission and passion for organic living. It feels good to support such an amazing company. I also knew right away that anything Horst had his hands in was going to be good."
– Kathleen L.
Highlights From The Team
What is your favorite memory of working in a salon?
"My favorite Inspire memory was my first North American Hairstyling Awards photo shoot. Everyone from the salon came to the shop to help me in some way. I wasn't expecting everyone's help – it was such a nice surprise! It made me realize that I am exactly where I'm supposed to be and that I'm working with the best team possible. I didn't make it into NAHA that time, but the experience made it so worth doing!" – Jenni Y.
What is your favorite hairstyle to create?
"My favorite style to create is any type of braid. Whether it's a Dutch French braid, a fishtail, or a waterfall braid, it's so fun and looks great on every hair type. I use a tiny bit of straight hair serum to smooth any fly-aways and create a little bit of hold. When the braid is finished, I will spray perfect hold or replenishing spray." – Laura O.
What is your most hilarious/ embarrassing hair moment?
"My most hilarious/embarrassing moment in the salon was when I went to open the cabinet in the break room to get a coffee mug and our salon coordinator (who also happens to be my youngest sister) had printed and hung up a picture of me from the 9th grade. It made me crack up. The hair-sprayed poofy fringe was in full effect. It's still hanging up." – Jenni Y.
What is your favorite INTELLIGENT NUTRIENTS® product and why?
"My favorite IN product has got to be the PurePlenty™ Scalp and Strand Serum. I have never come across a product so effective and versatile. Applied to hair wet or dry, pure plenty serum is a powerful scalp stimulator and thickener, a reparative strand treatment, and super softening to coarse locks. I use it on my clients that have thinning hair, and also on my clients that have damaged, scraggly, thirsty ends." – Christine E.
"My favorite IN product is definitely the Volumizing Foam. I love the shine and hold it gives without feeling heavy, and the re-styling ability due to the memory gums is definitely a plus for second day hair. It's so versatile that I can use it on almost every client that sits in my chair." – Laura M.
"My favorite IN product is the Styling Pomade. I love the memory it provides in the hair. I think it's great in short hair, long hair, curly hair, wet sets, curl sets with a blow dryer, and with upstyles and braiding. It leaves no residue the next day and it smells awesome!" – Jenni Y.
11089 Resort Road, Suite 203, Ellicott City MD 21042
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20 Games Like Gravity Badgers()
Click, turn and match four blocks! Enjoy smart and speedy puzzle action!
Clickr is the next generation puzzle game developed by Ntreev Soft, the studio behind Pangya & Trickster. The game competed in the 2010 Independent Games Festival and was selected as 'Top 10 Break Out Indie Games of 2010' by DIYGamer.
Ichi is an easy to play but challenging one button puzzle game. Don't be deceived by the game simplistic look, it's a braintwister for sure! Collect golden rings by rotating objects, using teleporters, breaking blocks and more. If that isn't enough, the game includes a level editor that allows you to create your own levels and share them with anyone around the globe!
80 / 10024.0
Dead Hungry Diner
Dead Hungry Diner is all about big combos, spells, monsters fighting monsters and finding your flow within the monstrous mayhem!Help Gabe and Gabby, patrons of "The Dead Hungry Diner", as they feed the creatures of the night buckets and buckets of juicy Brain Berry goop!(Well... that's the easy part!
70 / 10003.5
Solar Flux
Travel across the universe and save dying suns from extinction in this unique and challenging puzzle strategy game. You are the last hope to bring salvation to a perishing universe as you collect and deliver fragments of plasma using your omni-directional ship. Solar flares, asteroids, supernovas and force fields are just some of the challenges you will face as you pilot your ship through the intense heat of the imploding stars.
Key Features:80+ progressively challenging missions
18 themed sectors with a variety of obstacles to overcome
4 unique galaxies with distinctive visuals and an acclaimed ambient soundtrack
Intuitive 3-star rating system with varying level objectives
Distinctive gameplay that revolves around zero-gravity navigation
Choose between mouse or controller-activated gameplay
Support for achievements, statistics and leaderboardsFull Controller Support
70 / 10013.5
Deceptively simple. Infinitely complex. LYNE is a minimalist puzzle game that will knot your brain as it calms your soul.
Connect the shapes. Fill the board. Lose yourself in the interflowing paths of LYNE.
- Hundreds of pre-built puzzles
- An infinite number of procedurally-generated puzzles, released daily
- Slick, intuitive interface
- Soothing dynamic audio
- Unlockable colour palettes
71 / 10073.55
Hamilton's Great Adventure
Take part in an amazing adventure, guiding the explorer Ernest Hamilton and his friendly bird Sasha as they co-operate to solve crafty puzzles and challenges!
50 / 10002.5
Tribloos 2
Trey's village is under threat once more. Before there was only one storm to worry about, now there have been many and Matilda the dragon is being tired out trying to blow them all away! Can You Help Trey Save His Island? As always, Brainy has an idea, a wild fantastic idea that will definitely work...this time...he promises! But it's going to take real team work, skill and strategic planning to make it succeed. Are you up to the task?
This time the Tribloos will be travelling far away from their island home and deep into the unknown as they discover that the storms are not naturally occurring!
70 / 10003.5
Ku: Shroud of the Morrigan
Forged from an ancient tale of Celtic mythology. An action-adventure set in a future Ireland devastated by technomagical war and economic collapse, humanity clings on by using the remnants of technology that survive. When their ancient spring of life begins to fail, an unwanted orphan child must leave the safety of his villages' mountaintop refuge. With only an ancient sword and a mysterious metal glove, he ventures into lands unexplored and twisted by strange ancient powers.
30 / 10001.5
Particulars is a game with a unique combination of arcade-action and puzzle gameplay, set in the mysterious world of subatomic particles. Taking control of a single quark, you must negotiate the fundamental forces of the universe. Other particles will push and pull at you - you'll always be on the brink of losing control and being dragged towards annihilation.
60 / 10003.0
Bad Rats: the Rats' Revenge
Bad Rats is a physics puzzle game where rats finally get their bloody revenge on their new prisoners: The cats. Come up with creative solutions for each puzzle using physics, functional objects, and your specially trained Rats. Try different ways of solving each puzzle to finish faster or earn higher scores.
Rooms: The Main Building
Use object inside rooms and move the rooms to escape. 100 challenging sliding puzzles with a twist! The solution is only a doorstep away!
60 / 10003.0
They Breathe
In the first game by The Working Parts, a lone frog descends into the depths of a flooded forest, not yet knowing the full extent of its tragedy. To survive in a brutal, oxygen-obsessed ecosystem, you must help it see the patterns and hidden truths that make up the rules of the forest - horrible as they may be.
They Breathe is a critically acclaimed indie gem risen from the depths of Xbox Live Indie Games. In thirty short minutes, the game leaves it up to you to figure out every part of its increasingly bizarre universe, in order to survive the onslaught of unexpected creatures and ultimately comprehend their true nature. No matter how your descent to the bottom of the forest takes shape, it is guaranteed to give you the chills without a single word of dialog.
Keep your eyes open, for there is darkness beneath the surface. And you're not at the bottom yet.
80 / 10024.0
MacGuffin's Curse
Help Lucas MacGuffin (magician turned thief turned werewolf) sneak and smash his way through this fiendishly addictive comedy-puzzle-adventure for PC and Mac. Winner of the Freeplay Award for Best Game Writing! With hilarious dialogue, charming hand-drawn art and huge replay value, it's perfect for seasoned adventurers and casual gamers alike.
When fugitive magician Lucas MacGuffin bungles a museum robbery, he finds himself magically bound to an ancient amulet and up against a city in full high-tech security lockdown. Suddenly dealing with the worst body hair problems he's ever had. As a human, Lucas is agile and cunning. Wolf Lucas would rather smash anything in his way. Only by transforming between the two forms and cleverly utilising both sets of skills will he stand any chance of lifting his curse.
And with the city's most powerful billionaire after his blood, a jaded Private Investigator on his (now-literal) tail and the rent long overdue, he'll need every ounce of ingenuity he manage.
Along the way he'll need to befriend a hilarious cast of characters, convince the city its most beloved citizen is a terrifying criminal mastermind, and hardest of all, teach his daughter it isn't funny to fill the fridge with dog food.
70 / 10003.5
Draw a Stickman: EPIC
Draw a stickman, then guide him through a fantastic world of adventure! Using an assortment of pencils, draw elements, tools, and weapons to solve puzzles and overcome obstacles.
51 / 10042.55
Finding Teddy
We are currently working on Finding Teddy 2 !!
Stay tuned, we are currently sending confidential preview versions to journalists
Special Offer : Buy Finding Teddy and get Free OST !
In Brief
The revival of Point'n-Click.
Graphics completely handmade, realized pixel by pixel.
An adventure divided into three chapters including dozens of riddles with multiple side quests.
No dialogues. Riddles and Music are the main point of the game.
PC/MAC/Linux Versions Bonus
Game in HD. We reworked all the backgrounds.
Newgame+ : Two ways to restart the game. With the colored Girl and with a Tarant Mask. You can see the fireflies with the mask.
Added a bonus scene after the endings. Find how to get it.
Added an alternative endings in a newgame+. Be attentive during your newgame+, you can find a hint that tell you how to get it.
A little girl was sleeping peacefully with her Teddy bear, when suddenly, a monster popped out from her cupboard then stole her favorite plush.
When closing the door, the little girl awoke then got inside the cupboard. and was projected into a magical world, full of monsters and oddities.
She must now explore this strange land and help its inhabitants in order to rescue her Teddy.
Still one question remains : will she be able to go back to the real world ?
The little girl : She's the main character, she's looking for her Teddy bear.
Mister Fly : Very useful fly to access some items where the little girl can't go. Very courteous.
Mister Cat : Has a bad temper, nevertheless useful to access small places and narrow galleries. Just need to scratch its back.
80 / 10044.0
About Love, Hate and the other ones
About Love, Hate and the other ones" is a mindbending puzzle game in which you take control of the two main characters Love and Hate. Guide them through 60 levels to take them back home to their beloved hill. You will encounter different Other Ones with unique behaviours, depending on whether Love or Hate interacts with them.
80 / 10024.0
Pixel Puzzles: Japan
Pixel Puzzles: Japan combines traditional jigsaw puzzle style gameplay with light video-game interactivity. As you build puzzles your monk will gain higher consciousness states. The higher the level of your monks concentration the bigger the puzzle you can attempt. All hand drawn in a beautiful Japanese aesthetic, Pixel Puzzles: Japan is perfect for puzzlers and gamers alike.


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text: LAHORE:20 august:Opposition to the current management, especially against provisional Vice Chancellor Dr Zafar Mueen Nasir, was visible among the ranks of the Punjab University teachers' community as the elections of the Academic Council was held at the varsity. PU teachers divided over VC's appointment The elections to elect the Academic Council, which is tasked with advising the syndicate on every academic matter and establishing standards for instruction, research, publications and examinations among other things, were organised on Thursday. The teachers' group opposing the current administration secured 4 out of the total 5 seats in the elections. Dr Shahid Kamal of the Teachers' Front secured a seat of the Planning and Finance Committee, while the second seat was won by Dr Hassan Mobeen Alam. Similarly, for the Advanced Studies and Research Board, Dr Fakharul Haq Noori, Dr Amir Ijaz and Dr Javed Iqbal Qazi of the Teachers' Front were successful. The administration barred Dr Sajid Rashid and Dr Mahboob Hussain of the Teachers' Front from contesting the elections. The Teachers' Front blamed the vice chancellor of manipulating and sabotaging the peaceful process of the election by declaring two of its candidates ineligible. They called the move sheer violence of the university calendar. When contacted, Punjab University spokesperson said that the impression that the varsity management was backing or opposing certain groups of candidates was false. He added that the whole election process was held according to the rules and regulations of the university calendar. The election is part of a string of events highlighting the administrative divide between the administration and the teachers' community in the absence of a permanent vice chancellor. Bachelor's level medical programmes Meanwhile on Friday, the Academic Council in its first meeting approved bachelor's level medical programmes MBBS and BDS along with curriculum as taught at the King Edward Medical University for the academic session 2017. The meeting was chaired by Punjab University Vice Chancellor Prof Dr Zafar Mueen Nasir, in which PU Registrar Dr Muhammad Khalid Khan, heads of academic departments and professors participated. Punjab University restricts media coverage after clash The medical programmes (HEC Level-6, 7 and 8 and PMDC level-1, 2, 3 and 4) would be offered under the Punjab University's Faculty of Health Sciences, formerly known as Faculty of Medicine and Dentistry. Addressing the meeting, Dr Zafar said that PU administration was aiming to establish a state-of-the-art medical college and hospital and it would provide the best health services to the people. He said that the varsity administration was making efforts to revise curriculum of all academic programmes on modern lines. The meeting also approved establishment of a Nursing College. The meeting approved several agenda items regarding recommendations of board of studies of all faculties regarding revision of curriculum and other related matters. Published in The Express Tribune,


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Credit union protection act wiki
Author: admin | 01.11.2015
In what may turn out to be the largest data breach of its kind, Target initially reported that hackers had stolen credit card and debit card information connected to as many as 40 million customers who shopped at Target stores.
Subsequently, Neiman Marcus revealed it too had been the victim of a security breach, and there are some reporting that the POS system hacking could extend to additional retailers. The full magnitude of the damage will not likely be known for some time, when customers receive and examine their monthly statements and call their banks, security experts have said.
So, the question is – What is the best way to communicate around a data breach of this nature?
The one thing that should be part of any crisis plan is the reality that you might have to be in communication with hundreds of thousands of customers instantly.
This is an opportunity lost at a time when trust between customers and their financial institution is still fragile from the past financial crisis. The day after the initial reports surfaced, Target emailed millions of customers it thought were affected, and for whom it had email addresses.
The company also created a dedicated page on its website for the data breach, including resources about identity theft and credit reports. Finally, Target also sent postal letters and posted a series of short YouTube videos to explain details around the security breach, what the company was doing about the situation, and a discount offer to customers.
As mentioned, the timing, format, message and channel of communications from banks in response to the Target data breach have definitely been varied. Chase and PNC Bank were also very quick to respond using email to inform customers that a data breach had occurred even though little or no detailed information was available at this time.
Due to the sketchy information available during the first few days after the data breach was discovered and the need to proactively communicate to as many customers as possible, organizations like USAA, FirstMerit and Peoples United leveraged social media to help expand the scope of communication. Chase made a rather dramatic move right before the holidays, limiting both purchase and ATM transactions at a time when customers were most likely to need access to funds for the holiday. JPMorgan Chase was also the first major bank to announce a plan to ultimately replace millions of its 23 million debit cards.
Citibank also recently announced plans to reissue all customer debit cards involved in the data breach at Target. Citi's move highlighted the potential for continuing damage to consumers, banks and Target as data stolen in the breach may keep leaking into the black market. The major consumer banks have been taking slightly different approaches in their responses to the Target breach. Additional communication beyond what Target did is important for customers since banks are generally responsible for charges made on stolen credit cards, but debit card users do not have the same protections and can be responsible for up to $500 in losses depending on when they report the fraud. One of the clearest and most direct communications came from Discover Card, who replaced cards, provided very direct guidance as to what their customer can do to further protect themselves and provided a link for more information. Of all of the communication reviewed, Discover appeared to be the only communication that could be easily viewed and responded to via a mobile device. There are a number of resources available to assist with communications to customers in the event of fraud or a data breach.
Prepare in advance – Consider a data breach likely and plan accordingly, designating a breach response team and developing a comprehensive and detailed plan. Keep communication lines open – In addition to direct communication to customers through direct mail and email, social channels can provide an excellent means to update customers on an ongoing basis. Be open, honest and transparent – In a data breach situation, the details are important. In the case of the Target breach and any retail industry breach that may be uncovered in the future, the communication should not be a one and done thing.
Beyond the public relations and trust-building opportunity discussed above, a dat breach of this nature also provides the opportunity to discuss and promote ID protection and credit monitoring services. Jim Marous is co-publisher of The Financial Brand and publisher of the Digital Banking Report, a subscription-based publication that provides deep insights into the digitization of banking, with over 150 reports in the digital archive available to subscribers. Most of the professionals in the communications business agree on the key components of a good emergency communications plan. Millennials Are Not a One Size Fits All Group Gaining Millennials' trust is essential for long-term survival. Download Merkle's Q2 2016 Digital Marketing Report Take a detailed look at Q2 digital trends and channel performance. According to Westerville police Lieutenant Paul Scowden, the six in question ran a skimming operation, where card numbers were stolen from the records of local retailers.
The operation allegedly involved the help of employees from the skimmed retailers, who copied customer-card numbers with electronic scanning equipment.
The six suspects – who range in age from 19 to 30 – have been identified as Kwabena Bonsu, Jacques Daboni, Prince Dahome, Ayeshia Johnson, Jaimee Mukama and Seth Nyamekye.
The bust involved joint efforts spanning Franklin and Delaware Country with help from the Powell and Columbus police departments.
Further evidence is under investigation to decide whether the group will be tried by state or federal prosecutors. Chip-and-PIN credit cards, which have been in use in Europe and Canada for years, are expected to cut down on fraud and identity theft when the U.S. But come October 2015, the liability shift deadline will hit, and you will stop swiping credit cards. EMV cards have been the standard across Canada, Europe, and other parts of the world for years, and the technology is slowly making its way to the United States, the last major market still using swipe-and-sign credit cards. Unlike traditional swipe-and-sign credit cards, EMV cards are embedded withВ microprocessor chips that assign a unique code to each purchase.
These specific EMV cards, commonly known as chip-and-PIN cards, transmit this data in a dynamic way that's only viable for a single purchase, thus harder to counterfeit because the unique chip data and PIN are both required to complete a transaction at a compatible terminal.
In fact, over the last year, only 0.03% of card transactions originated from chip-enabled payment terminals, according to EMVCo, which oversees the EMV payment technology. However, if you shop at a handful of domestic retailers who have chip-enabled terminals (or if you're traveling overseas), there are ways to get your own chip-and-PIN credit card today. Just be aware that, depending on the institution, there may be a fee for requesting a replacement before you need one.
Chip cards have integrated circuits — embedded microchips — that are difficult for thieves to counterfeit. Magnetic-stripe cards hold data that can easily be skimmed by crooks then used to manufacture counterfeit cards for fraudulent use. DUMP Electronic copy of raw data stored on magnetic stripe of card including number, owner name and address, expiration date and CVV1, obtained by skimming or with point-of-sale malware, used to clone credit cards; price $20 to $125. Chip-and-PIN or Chip-and-signature EMV (EuroPay, MasterCard, Visa) fraud: PIN-bypass forgeries with second chip (man-in-the-middle) implanted on cards, tells card reader the PIN is correct even though random PIN entered. Card skimming: Customer card information and PIN captured at ATM, used to make counterfeit cards, fraudulent cash withdrawals. Card trapping: Customer inserts card into ATM, card physically taken, compromising PIN, used to make fraudulent cash withdrawals.
Editor's note: This is part one of a two-part series on the move by local banks and merchants to chip-enabled cards.
Black Friday came and went last week, launching the holiday spending season that propels many retailers into profitability and also whets the criminal appetite of credit-card fraudsters.
In recent months, North Bay banks and merchants embarked on a massive effort to bring fraud-resistant microchip credit cards to local customers. JPMorgan Chase is the second-largest credit-card issuer in the United States, with outstanding credit balances in the fourth quarter of 2014 at nearly $120 billion, according to bank quarterly reports compiled by Forbes.
Based on outstanding credit at the end of 2014, San Francisco-based Wells Fargo ranked eighth in the United States. About four years ago, Visa and MasterCard announced that in October 2015, "if a consumer comes into any merchant location and has a chip-enabled card," Baumli said, "and the merchant can only read it from the magnetic stripe," then the merchant is liable for losses from any fraud that occurs in the transaction. Terminals that read chip-enabled cards as well as magnetic-stripe cards cost about the same, Baumli said, urging merchants to refresh their technology.
Near-field communications, which are encrypted, are considered as safe as chip-enabled credit cards. Chip cards also have vulnerabilities, though they require more effort by crooks to exploit. The "man-in-the-middle" attack allowed a stolen chip card to initiate a transaction then an extra chip soldered on top of the original chip told the remote server that an entered PIN, even if random, was authentic. Computer scientists Houda Ferradi, Remi Geraud, David Naccache and Assia Tria, based in Paris, helped police with microscopic, protocol and X-ray forensic analysis of "what the authors believe to be the most sophisticated smart-card fraud encountered to date," the researchers wrote.
The scheme has apparently been thwarted with a new mode called Combined Data Authentication along with upgrades to network software.
A similar idea for such a hack, but without necessary miniaturization, was devised by Cambridge University researchers, including Steven Murdoch, who published their findings in January 2010 after alerting the banking industry in Dec. Michael Leonard, vice president, fraud examiner and anti-money-laundering manager for Exchange Bank based in Santa Rosa, searches for stolen credit cards using the bank-identification number.
Hackers — some of whom call themselves "carders" — sell card data or "dumps," Leonard said, including the card number, expiration date and three-digit code on the back.
Some thieves use a "mule" who accepts initial shipment for a fee then re-ships the stolen merchandise to another recipient. A mule might accept transferred funds from a stolen card at a Western Union store, charging 25 percent for such a service. Money-service businesses, such as those that offer check-cashing services and stored-value cards, may send money to destinations in other countries. Merchants that don't upgrade face charge-backs if fraud occurs due to their inability to read chip-enabled cards. Part 2 of this series next week will look further at the change to more fraud-resistant cards. Following the huge data breach at Target, which was first reported on 18 December, and has affected as many as 40 million credit and debit card holders, I can't seem to be able to open a browser without stumbling into a news headline asking why the U.S.
Of course, the overall picture was much more complicated than these two charts suggest, but, clearly, the shift to EMV reduced fraud in Europe. As you can see, cardholders have suffered no fraud-related losses at all, which have been split between the issuers and the merchants. What you need to realize is that the issuance of chip cards is the far smaller part of the puzzle that needs to be solved, which is why Visa has focused its initiatives on the acquirers and their merchants.
As you well know, interchange rates are set by Visa and MasterCard, not by the card issuers, and I haven't seen them rise all that much lately, if at all. In any case, it is a huge stretch to suggest that the issuers have been able to recoup all, or even a sizable chunk, of their fraud losses. But even if you were right and the card issuers were suffering lower losses than the data suggest, that would only strengthen my point: why would they be in any hurry to invest billions in implementing a new technology? TransUnion is a leading global provider of business intelligence services supported by more than 4000 employees, in more than 30 countries worldwide. Some banks are identifying compromised debit or credit cards and issuing fresh cards immediately while other banks are taking a watch-and-wait stance, taking action on a case-by-case basis if fraud is detected. Later, Target issued additional information that another 70 million customers may have had personal information compromised, including names, phone numbers and email addresses.
In working with a leading communications tracking firm, Competiscan, I was able to see a variety of communication strategies involving multiple channels and a variety of resolutions to the Target data breach.
While some communicated with customer as early as December 20th (the day after the initial discovery), some organizations have not yet reached out to all customers to explain what has occurred, what precautions can be taken and how the bank is working on their behalf. Thirty-one per cent said they had been notified by Target and 28 per cent said they had been notified by their bank or credit card company. Target has said that it plans to offer a year of free credit monitoring and identity theft protection to anyone who shopped in Target stores in the United States. It also provided the first set of steps a customer could take to protect themselves and where they could go for additional information. Chase assured customers that they would monitor their accounts while PNC referenced their Security Assurance Pledge and linked to a continuously updated FAQ page. The bank said it did not replace the debit cards sooner because it wanted to minimize disruptions during the holiday shopping season, according to a person briefed on the company's decision who spoke on the condition of anonymity. The other three consumer banks among the nation's five largest — Bank of America, Wells Fargo and U.S.
Seeing that recent research indicates that close to 50% of all emails are viewed on a mobile device, it would be wise for more institutions to take this into account as they develop email communications. Many consumers monitor their transactions daily on their smart phones, even getting text alerts for transactions in almost real time. Understand the details and scope of breach and identify all impacted customers while determining appropriate message.
It should be ongoing as new information is uncovered and should assume the customer is looking for guidance and security on an ongoing basis.
All of them also agree that good communications is not just a good protection against financial loss, but also provides the potential for goodwill and loyalty going forward if done well. Brands that build engaging, personal banking relationships will win a larger share of spending power.
Leverage these insights to establish benchmarks and improve your digital advertising program. Secret Service, Westerville police have announced the apprehension of six suspects in an alleged credit card fraud scheme spanning central Ohio.
Upon obtaining the digits, the group had them magnetically transferred onto the fraudulent prepaid cards. Hacks at four major retailers — Home Depot, Michaels Stores, Neiman Marcus, and Target — compromised the payment-card data of more than 130 million customers. 23, there had been 761 data breaches in 2014, resulting in more than 83 million exposed records, according to the Identity Theft Resource Center, which tracks confirmed data breaches. For months, you've heard about the "innovative" and "advanced" security upgrades credit cards are getting. To authorize the purchase, the consumer must enter their valid personal identification number (PIN), which is designed to replace their signature at checkout. For example, since the widespread implementation of chip-and-PIN cards in 2004, payment fraud has declined drastically in the United Kingdom.
So some experts and banking institutions say there's no sense in using the new chip cards at this point, as they provide the best protection when used at chip-enabled terminals, which are currently hard to find in the U.S. If your old card expires, is damaged, or lost, you may request a new card ahead of schedule.
However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The chip varies the way it transmits data each time it is used, encrypting secure data as it communicates with a card reader.
A chip-card reader does not have to connect to the credit card company to authorize the charge during a transaction.
In December 2013, hackers who were not caught skimmed magnetic-card data from about 40 million Target customers — the largest credit-card theft and fraud in history.
The cost to retailers and banks to switch to chip cards and new terminals is about $8 billion. Remember December 2013 when hackers skimmed credit-card data from some 40 million Target shoppers? 10 federal indictment of Gery Shalon, an Israeli who allegedly ran a sophisticated ring that in the past three years hacked into JPMorgan Chase, Fidelity Investments, ETrade Financial, Scotttrade, TD Ameritrade and News Corp. Wells Fargo consulted with its merchant customers and helped them acquire terminals that handle chip cards.
In May 2011, French banking group GIE Cartes Bancaires discovered an ingenious form of fraud involving about 40 chip-and-PIN cards stolen in France and used to make purchases in Belgium. Depending on the freshness of the theft, the price can range from a few dollars up to $100.
A bank handling accounts for such businesses has to exercise additional due-diligence to look for money laundering or fraud, Leonard said. He sets up Exchange Bank's computer system to check a customer's pattern of typical card use against actual use, such as geography.
It turns out that, rather than embark on a years-long roll-out of the more secure EMV card technology, U.S. The American Bankers Association's?a2011 Deposit Account Fraud Survey Report told us that in 2010 debit card fraud losses totaled $955 million. King from the Federal Reserve Bank of Atlanta looked closely into these reports and here is what he found. With technology-based intelligence products, including innovative credit decisioning and fraud prevention tools, advanced target marketing products, risk and profitability models and portfolio management, TransUnion enables businesses to manage financial risk and capitalize on market opportunities. Either way, many banks are using a proactive, multichannel approach for keeping customers informed which can build much sought after loyalty and trust.
Unfortunately, in a scenario with so much publicity, the impact of the breach may be felt for months .
For instance, Target's initial notification post garnered over 3,500 comments and 1,600 shares in the first few days from customers concerned about their card security. Bank — have said they are carefully watching cards for signs of fraud, but they have not broadly reissued debit or credit cards.
For most of us, this upgrade is just a fantasy, as our wallets still store tattered magnetic-strip cards with our signatures (sometimes) scratched on the back.
From 2004 to 2010, transaction fraud at retailers plummeted by 69% in the UK, according to data by the UK Payments Administration. If you have your valid card, you may still contact your credit card company to request one. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. Shalon and his colleagues allegedly used stolen data on nearly 100 million customers to carry out credit card fraud, stock pumping, online gambling, money laundering and criminal payment processing.
Bank of America came in third, with about $102 billion, followed by Capital One, American Express, Discover, Synchrony and Wells Fargo. Since the deadline, Baumli has not heard of cases where fraud occurred and the merchant was not able to read a chip card, but it's still early.
17, Savings Bank of Mendocino County warned its customers that an automated call device was used to tell prospective fraud victims in the 707 area code that their bank-issued MasterCard had been blocked, soliciting the customer's PIN and Social Security number to re-activate the card.
Murdoch went on to work as a research fellow in information security at University College London.
He uses a separate Wi-Fi network to connect to the Internet and doesn't link the laptop to Exchange Bank's internal network. If a customer rarely travels to Europe, for example, and a charge comes from that region, it's a signal of potential fraudulent use. At first, my reaction was "Don't you read UniBul's blog?", for we've covered the subject quite extensively over the years. From a?aNilson Report study?awe learned that the cumulative bank card losses (credit and debit) in 2010 amounted to?a$3.56 billion.
According to PaymentsSource's bank card profitability studies, financial institutions' credit card-related fraud losses were the largest among payment cards and grew each year between 2006 and 2008, rising from $1 billion to $1.11 billion.
And they knew perfectly well what would happen if they switched to EMV — they knew because the Europeans had already done it.
Chip acceptance will require service providers to be able to carry and process additional data that is included in chip transactions, including the cryptographic message that makes each transaction unique. Fuel-selling merchants will have an additional two years, until October 1, 2017 before a liability shift takes effect for transactions generated from automated fuel dispensers. And yes, Visa and MasterCard should have been quicker to force EMV adoption on their member banks, as that would, in the long run, have benefited them more than anyone else. Regarding cardholders, their interest rates have been very high, yes, but that is because underwriting risk has skyrocketed in the wake of the financial crisis. Communications from banks and credit unions should include a reference to these tools for the next several months.
Facing rampant credit-card fraud, banks in France started using chip-enabled cards in 1984.
You don't have the exposure." When merchandise is shipped after purchase with a stolen dump, the crook is at risk at the address where stolen goods are delivered. But then, on reflection, I realized that the world doesn't revolve around UniBul quite yet and thought I should revisit the topic. Not to mention that, as European merchants don't always know how to accept mag-stripe cards on their EMV terminals, many Americans find themselves unable to use their cards in Europe, which leads to additional hundreds of millions of dollars in lost annual revenues for U.S. A?aPaymentsSource report has calculated that card issuers alone have lost $1.16 billion to fraud in 2010.
After an aberration in 2009, when credit card fraud losses fell by 14 percent, they grew again in 2010, by 22 percent. Yet, Visa finally decided to force the issue in 2011, when it announced its plans to "accelerate chip migration and adoption of mobile payments".
Visa will provide additional guidance as part of its bi-annual Business Enhancements Release for acquirer processors to certify that their systems can support EMV contact and contactless chip transactions. You should remember that until a couple of years ago, charge-off rates were at record-highs. But some retailers, such as Wal-Mart, are installing the new chip-enabled payment terminals. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. EMV-enabled debit cards, which offer both debit and credit payment options, will roll out later, expected fully by end of 2017. The Nilson Report data showed a similar trend in both the number and dollar value of credit card transactions during this time period. With the liability shift, if a contact chip card is presented to a merchant that has not adopted, at minimum, contact chip terminals, liability for counterfeit fraud may shift to the merchant's acquirer.
No, it would not, although it is just possible that it would have made it more difficult for the hackers to make use of the cardholders' account information, although that is debatable.
Yet, evidently the sum of these losses and foregone revenues pales in comparison to the $3 billion needed for the wholesale switch to EMV (according to an estimate by the Mercator Advisory Group, a consultancy). The liability shift encourages chip adoption since any chip-on-chip transaction (chip card read by a chip terminal) provides the dynamic authentication data that helps to better protect all parties. The good news is that we are making progress and the EMV technology is slowly arriving in America.
CFPB Takes Action Against Wells Fargo for Illegal Student Loan Servicing Practices
Wells Fargo to Pay $3.6 Million Penalty to the Bureau
Washington, D.C. – The Consumer Financial Protection Bureau (CFPB) today took action against Wells Fargo Bank for illegal private student loan servicing practices that increased costs and unfairly penalized certain student loan borrowers. The Bureau identified breakdowns throughout Wells Fargo's servicing process including failing to provide important payment information to consumers, charging consumers illegal fees, and failing to update inaccurate credit report information. The CFPB's order requires Wells Fargo to improve its consumer billing and student loan payment processing practices. The company must also provide $410,000 in relief to borrowers and pay a $3.6 million civil penalty to the CFPB.
"Wells Fargo hit borrowers with illegal fees and deprived others of critical information needed to effectively manage their student loan accounts," said CFPB Director Richard Cordray. "Consumers should be able to rely on their servicer to process and credit payments correctly and to provide accurate and timely information and we will continue our work to improve the student loan servicing market."
Wells Fargo is a national bank headquartered in Sioux Falls, S.D. Education Financial Services is a division of Wells Fargo that is responsible for the bank's student lending operations. Education Financial Services both originates and services private student loans, and currently serves approximately 1.3 million consumers in all 50 states.
Student loans make up the nation's second largest consumer debt market. Today there are more than 40 million federal and private student loan borrowers and collectively these consumers owe roughly $1.3 trillion. Last year, the CFPB found that more than 8 million borrowers are in default on more than $110 billion in student loans, a problem that may be driven by breakdowns in student loan servicing. Private student loans comprise approximately $100 billion of all outstanding student loans. While private student loans are a small portion of the overall market, the Bureau found that they are generally used by borrowers with high levels of debt who also have federal loans.
According to the CFPB's order, Wells Fargo failed to provide the level of student loan servicing that borrowers are entitled to under the law. Because of the breakdowns throughout Wells Fargo's servicing process, thousands of student loan borrowers encountered problems with their loans or received misinformation about their payment options. The CFPB found that the company violated the Dodd-Frank Wall Street Reform and Consumer Protection Act's prohibitions against unfair and deceptive acts and practices, as well as the Fair Credit Reporting Act. Specifically, the CFPB found that the company:
- Impaired consumers' ability to minimize costs and fees: Wells Fargo processed payments in a way that maximized fees for many consumers. Specifically, if a borrower made a payment that was not enough to cover the total amount due for all loans in an account, the bank divided that payment across the loans in a way that maximized late fees rather than satisfying payments for some of the loans. The bank failed to adequately disclose to consumers how it allocated payments across multiple loans, and that consumers have the ability to provide instructions for how to allocate payments to the loans in their account. As a result, consumers were unable to effectively manage their student loan accounts and minimize costs and fees.
Under the Dodd-Frank Act, the CFPB has the authority to take action against institutions engaging in unfair or deceptive practices. Among the terms of the consent order filed today, Wells Fargo must:
- Pay $410,000 in consumer refunds: Wells Fargo must provide at least $410,000 to compensate consumers for illegal late fees. This includes refunding illegal fees due to the bank's failure to disclose its payment allocation practices across multiple loans within a borrower's account as well as the bank's failure to inform consumers that they could instruct the bank to allocate payments in a different way. This also includes refunding illegal fees charged because of the bank's failure to combine partial payments made in the same billing cycle, and fees improperly charged when borrowers made a payment on the last day of the grace period.
This order comes as the Bureau takes steps to ensure that all student loan borrowers have access to adequate student loan servicing. Last year, the Bureau released a report outlining widespread servicing failures reported by both federal and private student loan borrowers and published a framework for student loan servicing reforms. As part of this work, the Bureau has continually raised concerns around, as well as taken enforcement and supervisory actions against, illegal student loan servicing practices related to the handling of partial payments. Building on this, earlier this year, the Bureau called for market-wide reforms and announced that it was prioritizing taking action against companies that engage in illegal servicing practices. Today's action is an important part of this ongoing work.
Students and their families can find help on how to tackle their student debt on the CFPB's website.
The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.
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Click here to print the obituary below
George Vastag Jr.
George Vastag, Jr.
FREMONT: George Vastag, Jr., 51, of Fremont, passed away on Tuesday, October 15, 2013 at the Toledo Hospital.
He was born on April 18, 1962 in Fremont to George and Angela (Escobedo) Vastag, Sr. George was a 1981 graduate of Fremont Ross High School. He served in the
during peacetime. George owned the Nonstop Music Store in downtown Fremont, he also worked for the City of Fremont Street Department and Crown Battery. He put together three charity events with tribute bands to raise money for local charities. Twenty years ago he put together a Mosh Fest at the fairgrounds and the American Legion. He was a die- hard KISS fan and loved Rock & Roll Music. Computers were a passion of his. George enjoyed drag racing NHRA in Norwalk. He was a great man.
Surviving are his fiancée, Henri Diane Martin of Fremont; children, Steven (Myrella) Vastag and Heather (Ryan Mosser) Vastag both of Fremont; four grandchildren, Cheyenne Mosser, Sonny Mosser, George Vastag and Olivia Vastag; his parents of Fremont; siblings, Arnie Escobedo of Fremont, Roger Vastag of Green Springs, Marvin Vastag of Clyde and Rhonda Vastag of Bettsville.
Visitation will be on Monday, October 21, 2013 from 2-4 & 6-8 p.m. at the Herman-Kinn-Karlovetz Funeral Homes & Cremation Services, Fremont. Services will be held on Tuesday at the funeral at 11 a.m. with military rites provided by the VFW and American Legion.
Memorial contributions may be made to the family.
The family would like to thank Dr. Anas Balaa, Dr. John Yuhas, Dr. Jennifer Brown and their staff, and a special thank you to Amber Pump and to the ICU nurses at Memorial Hospital for their care of George during this difficult time.
To send online condolences or to view George's In Memory Video Tribute, please visit
Funeral Home
Herman-Karlovetz Funeral Home & Cremation Services
900 North Street
Fremont, OH 43420
Published in the News-Messenger on Oct. 18, 2013


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Shootings on Franklin, Byrneport, Southard, and Sisson occur Friday night into Saturday morning.
Young anglers have no shortage of places to hone their new skill.
Mgsr. Dennis Metzger, Father James Sanford retire.
'They don't have crutches for a bruised ego' says Michael Goulding, who was back at work Friday morning.
Avid gardener half of 1st gay couple wed in Wood County.
More than 560 people made the summertime treat in Whitehouse.
James Moody will serve 66 months in West Virginia facility for defrauding government.
Oregon Department of Public Service announces project has been extended.
Crane lift at Toledo Municipal Court.
View The Blade's interactive crime map.


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Tuesday, March 17, 2009
My relative got a great report from her Doctor, no after care therapy needed from her surgery! YIPPEE!!!!! So, needless to say I just had to make her a card to congratulate her great news!
22 comments:
- Cassie said...
You're such a sweetie! I'm sure your aunt has appreciated all of your thoughtfulness, and I'm sure you have helped to keep her spirits up through the whole thing. You're a gem, Jacque!
- March 17, 2009 at 9:58 PM
- NoraAnne said...
That's great news and what a cute card to help her celebrate :)
- March 17, 2009 at 10:16 PM
- cloudofdreams said...
That is G-R-E-A-T news!! Oh she will love that cute card you made!! You are such a sweet person! :-)
- March 17, 2009 at 10:42 PM
- Allies Creative Designs said...
So cute, I love Mickey. Your aunt is going to love the card.
- March 17, 2009 at 11:04 PM
- Julie Tucker-Wolek said...
That is AWESOME news and an AMAZING card to GO WITH the news! :):):):):):):):):):):):):):)
- March 17, 2009 at 11:32 PM
- Lynn said...
this is adorable!! Very creative & thoughtful!! I am sure it is much appreciated!
- March 18, 2009 at 12:46 AM
- Katiejane said...
Such a great idea and design.
Glad to hear you'll join me in doing your bit for charity too. Seems to make sense as we get to create and do a good deed at the same time.
Good luck, let me know how you get on xx
- March 18, 2009 at 3:24 AM
what a great card to celebrate such great news!
- March 18, 2009 at 5:07 AM
- pruts said...
lovely card.
I'm happy for your friend
- March 18, 2009 at 5:52 AM
- Jocelyn said...
I am new to your Blog and have so enjoyed reading it and seeing all your pretties!!! Love the card you just made!!! Please stop by and say HI! I so adore meeting new people with a passion for paper crafting!!! Have a Wonderful Wednesday!
- March 18, 2009 at 6:31 AM
Gorgeous card! I love the image. And a great news, too.
Hugs, vanja
- March 18, 2009 at 7:27 AM
- Kim Dellow said...
Your card made me smile, and what good news as well. Kim
- March 18, 2009 at 7:45 AM
- Wendy said...
That is really great news! You made a beautiful card for her, I'm sure she will be very happy with it.
- March 18, 2009 at 9:21 AM
- Stef H: (Illinois, US) said...
Aaaahhhhh! The power of prayer!
What great news! And you are a wonderful relative!
Wanna adopt me?????
- March 18, 2009 at 9:51 AM
- Alicia said...
That is AWESOME!!
- March 18, 2009 at 10:17 AM
OMG!! How sweet is this!!! I love your sweet image and the sparkly gold everywhere adds a perfect touch to it!! TFS! :)
- March 18, 2009 at 11:24 AM
- Katamommy said...
That's great news and I love the card you made!
- March 18, 2009 at 12:12 PM
Woohoo! Great news and such a cute card.
- March 18, 2009 at 1:33 PM
- AUsome mom said...
Well, first - great news for your friend! Next - these Mickey cards are too fabulous! I saw your previous post and I have one idea. I've heard that you should never shake the bottle before you apply. Other than that, I would have done the toothpick thing too. At any rate, your cards are too precious.
- March 18, 2009 at 1:51 PM
- Jacqueline's Weblog said...
Great Card, Jacque! I like the disney-image very much.
- March 18, 2009 at 4:27 PM
- Stamp and Smile said...
So SWEET! I love the cute Mickey, gold heart and the lay-out is divine!!!! I'm sure you put a BIG smile on your friends face!! TFS... :)
- March 19, 2009 at 9:06 PM
- Stamping Cafe said...
How cute is this! Love it!! Super great news!
- March 20, 2009 at 12:03 AM


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Since the 1930s the U.S. government has subsidized the growing of tobacco, limiting the supply and propping up the price. That has cost taxpayers and has had the perverse effect of virtually pricing U.S. tobacco out of the world market. Now Congress wants to get rid of the subsidies--by paying tobacco growers not to grow tobacco anymore.
They're about to start arguing on Capitol Hill about just how sweet this tobacco honey pot should be. The House wants to pay growers $9.6 billion, the Senate nearly $13 billion. Here's a basic question for the lawmakers: Why should they get anything at all?


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Nation-wide interoperable survey finds best practices for information-sharing
| 03.12.2007 | 05:27:29 | Views: 3465 | ID:
March 12 '07: A new report released by the First Response Coalition looked at the nation's best practices regarding interoperable communications and information-sharing and found three key points to furthering interoperable programs.
Among those findings: that money is the major hurdle to increasing information-sharing practices; there are abundant examples around the country for creating better information-sharing environments; and that better technical standards will help to push future projects.The states scoring the highest in interoperable communications practices were Colorado, Utah, and Nevada, the report read. Examples why those states ranked so high include Colorado's program to use "a Public Safety trust Fund to pay for the hybrid 700/800 MHz public safety communications network." Utah's interoperable communications establishment, the report continued, "has been in place years, [and] provides interoperability coverage for 85% of the state's population, and handled all communications for the 2002 Salt Lake City Olympics." Finally, "Nevada connected the state's four distinct trunked radio systems into one 'virtual' network that utilizes 700 MHz, 800 MHz, and 150 MHz radio systems," the report said. Other examples of imaginative best practices included Virginia's governance structure, Indiana's communications funding programs and Texas' "IP-based VIDA network."
Copyright ©2007 TheBreakingNews.com. All Rights Reserved. No reproduction in part or full without prior written permission.


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