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That's the headline in The New York Times. I'm not kidding.
Game five of the big reunification match for the World Chess Championship was supposed to be today. This was the match that was going to restore harmony to the chess world, after the big split in 1993 when Gary Kasparov refused to defend his title under the auspices of FIDE. (That's pronounced FEE-day, incidentally, and stands for Federation Internationale des Echecs.) FIDE officially stripped him of the title for his trouble, leading to a boxing-like situation where there were multiple world champions.
When the appointed time came Topalov was on the stage ready to play, but Kramnik was not. An hour after the start time Kramnik was forfeited. Officially, the score now stands at 3-2 in Kramnik's favor.
So why didn't Kramnik show up?
It all started when Topalov filed an appeal protesting that Kramnik was making a ludicrous number of trips to his private bathroom during the game. There was ample video evidence of the playing area to document this fact. Why Topalov finds this significant is unclear. The only thing I can think of is that Topalov is suggesting that Kramnik has concealed some sort of computer chess playing device in his private bathroom. The bathrooms are the only part of the playing area not under video surveillance, you see.
So Topalov's representatives filed a complaint and the appeals committee considered the matter. They ultimately decided that Kramnik's behavior was odd, but by itself not evidence of anything. The Kramnik team, for its part, claimed that Kramnik's frequent trips to the bathroom are explained by his fondness for pacing during the game. And since the players' backstage area is rather small, he uses the bathroom to increase his pacing space. Anyway, the appeals committee did decide to lock the private bathrooms given to each player, thereby forcing them to use the same, different, bathroom.
Kramnik went nuts. He felt this was an affront to his dignity and a violation of his contract. He appears to be wrong on that last count, since the contract only guarantees him the use of a bathroom during the game, and not a private bathroom used only by him.
Whether this dispute can be resolved to both players' satisfaction is now unclear. If it is not resolved, the match could end right here. That would be a tragedy. The public image of chess can not afford another blow of this sort. Chess grandmasters already have the reputation for being childish prima donnas with very little in the way of social skills. This would only confirm that reputation.
I notice that The Chess Ninja has taken a decidedly anti-Topalov stance on this. Certainly Topalov's protest sounds silly and frivolous. On the other hand, there are clear procedures for filing complaints of this sort, and it sounds like Topalov followed them. The appeals committee likewise seems to have acted within its purview in handling the complaint. And the bottom line is that Topalov showed up for the game and Kramnik did not. Sounds like there's plenty of blame to go around.
In the entire history of the World Chess Championship there has only been one other instance where a player was forfeited in a game. That was in the 1972 match between Boris Spassky and Bobby Fischer. Fischer lost the first game in bizarre fashion, making an elementary blunder in a dead drawn position. He then failed to show up for game two, demanding that the games be moved to a private room with no spectators or video cameras. This left him two points in the hole.
Spassky, in a gesture of magnanimity that would be unthinkable today, agreed to move the match to the private room. Big mistake. Fischer won five of the next eight games, drawing the other three. From there he mostly coasted to victory with draws.
But for petty complaints and embarrassing childishness, the prize must surely go to the 1978 match between Anatoly Karpov and Victor Korchnoi. This was the match that saw the great yogurt controversy. Karpov was in the habit of receiving a cup of yogurt during the game. Grandmaster games go on for several hours, and a touch of refreshment could help relieve the monotony. Korchnoi protested that Karpov could be receiving coded messages via the color of the yogurt. Perhaps purple yogurt meant move the knight, or orange yogurt meant offer a draw. That sort of thing. The appeals committee ruled that Karpov could continue to receive his yogurt, but it had to be the same color every time, and that changes in color had to be announced three days ahead of time.
Korchnoi also protested that Karpov had paid a hypnotist to sit in the front row of the audience to stare at Korchnoi. Karpov, not to be outdone, complained that the long, colorful gowns worn by Korchnoi's spiritual advisors were very distracting. He demanded that they not be allowed in the playing hall wearing such clothing. Despite all this, the match did manage to provide some interesting chess.
Hopefully the match can be saved. We've had four interesting games so far, and i'd like to see some more. If the match falls apart it would be the worst black eye for chess since Kasparov lost that match to the computer. But that's a different post.


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Nemea Appart'hotel offers 130 guestrooms. Rooms open to balconies. Televisions come with satellite channels. Accommodations at this 3.0-star property have kitchenettes with refrigerators, microwaves, cookware/dishes/utensils, and dishwashers. Bathrooms include bathtubs.
Business-friendly amenities include direct-dial phones. Sofa beds, coffee/tea makers, and air conditioning are also included. Irons/ironing boards, hair dryers, and extra towels/bedding can be requested.
Room Amenities

subset: commoncrawl


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Video gaming is a hobby enjoyed by many. People from all walks of life enjoy playing them on their consoles, laptops and even their phones. Want to learn more? Read on!
Check the rating of a video game before you play it. Video games are no longer just for children, so not every game is safe for all ages. Each games offers a rating, such as EC for early childhood to AO, which means adults only. Make sure a game is age-appropriate if it is a gift.
If you are unsure if you can play a game on your computer, look to see if the game is supported by your version of Windows. After you download it, it will say whether you have the necessary requirements for that specific game. If you aren't keen on the idea of downloading something, remember that you can just delete it after you get the information that you need.
If your kids play on video games consoles hooked up to be online, make sure the family-safe settings are enabled for their protection. This lets you filter what your child experiences to be sure it's appropriate for their age. It is also possible to restrict the amount of online chatting they do.
Be sure to take a break every fifteen minutes when you are playing video games. If you do not take breaks, your body will remain stuck in the same position. You need to keep your muscles active to avoid cramps and blood clots. It will keep you healthy and strong.
Brighten the screen. Even though the ambiance might be great when your game takes place in dark caves or abandoned buildings, it really won't help your performance much. With a muted screen you will find it hard to identify objects and colors as you play your games. Increasing the brightness may change the feel of the game but it can be worth it because it improves your skill. Doing this will help you see the screen better so that you can perform better in the game.
Make sure that you implement parental control settings for your children's safety. Check if the game is online compatible. If the game can be played online, you may wish to limit your children's connectivity. Check their friend requests and limit how long they play so they can stay safe.
Figure out what age you want your kids to be before they can play M-rated games. In addition to the ratings system, most consoles allow users to set up parental locks. It is best to monitor your child's gaming.
Consider taking a look at your local library for video games. Some public libraries have video games you can borrow or try. There are usually various titles for various systems. You can call them ahead of time to see what they have.
In order to understand and guide your child's use of video games, you must be involved. Try playing the game for yourself. You can even play with your child. Make sure to inquire about the games and let them know you are interested. That's the best way to experience it.
Stay hydrated when you are gaming for a long time. It's easy to get so caught up in the game that you're playing, that you forget to stay hydrated. Dehydration can be a major health risk, so be sure you stay properly hydrated while you play your video games.
If your child becomes so frustrated during a gaming session that he begins to lash out, tell him that it's time to do something else for awhile. Don't just snatch your child away from the game. Instead, announce that break time will come in five minutes and then prepare an alternate activity. Tell the child to take a walk, ride a bike or read a book instead.
Make sure you have the right equipment for a game. Do not make the mistake of thinking that your standard controller is all that is needed to play certain games. Look over the box and peruse the online descriptions to know exactly the type of controllers you will need to play the game. By doing this, you will find out what is needed and will have a chance to get it.
Going online is a fun way to get to know other video gamers. You have to socialize, even if it's just online. You can share tips and chat with folks who share a common interest by using online forums and chat rooms.
If you play video games a lot, you probably like games of a specific type or genre. But, do not be close-minded. Try out different styles of games every now and again. Sometimes you find a specific title which really impresses you.
Rather than buying a new game, try playing games on your laptop or desktop computer. There are a variety of older games that are available online for free without buying newer ones. This gives you a thrill without having to buy a new game each time.
Many popular games now offer downloadable content (DLC). These are extras that you must pay for in order to expand the game. If you really love a game, you should have it, but don't throw caution to the winds in terms of price. Some times buying DLC games can be two to three times more expensive than a single game.
There's no shame in running through a game on beginner mode first. You can always move up in difficulty level later. One advantage to playing through the beginner mode first is you will have an easier time on the more difficult levels.
If you are playing a difficult game, take a break when you start getting frustrated. Play at another time, when you are performing better. Video games should be fun, not frustrating.
Video games are a worldwide phenomenon that keeps growing with every passing year. Playing video games is increasingly popular, so there is no reason why you should not try them. With options customized to whatever your interests are, you can take the tips here and engage in a fun time playing video games.


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Please call us at: 210 723-2544 or use our contact form.
Final Touch CCS
11603 N Weidner Rd 11603
San Antonio, TX 78233
Monday - Friday 7:30 am - 6:00 pm
Discover our latest special offers and discounts, updated regularly.
Looking for a competent and reliable cleaning company? Final Touch CCS is at your service! For over twenty years, we have been providing our satisfied customers in the San Antonio area with first-rate service. Our professionally trained staff and environmentally friendly cleaning techniques have made us a local favorite.
Final Touch CCS offers a range of residential and commercial cleaning services, including one-time or regular cleaning appointments, carpet cleaning, upholstery cleaning and more. The quality of our service speaks for itself. Find out what our customers think about us and the work we do.


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Ostrander to speak
at New Life Christian Church
Kent Ostrander, executive director of The Family Foundation of Kentucky, will speak at New Life Christian Fellowship, 1028 Industry Road, in Lawrenceburg on Jan. 29 at 10 a.m.
Ostrander, who received a B.A. from Vanderbilt University, attended Lafayette High School in Lexington and then studied at Vanderbilt University, graduating magna cum laude with a degree in mathematics. He was inducted into the Phi Beta Kappa honorary society as a junior.
I wrote a column a few weeks ago questioning why I do not see American Christians fasting, or why it is not more a part of our culture.
I was blessed to get some rewarding feedback from one of my readers, "Pat," and would like to share some of her experiences that I find inspiring.
These are her words, not mine, and I hope you may find it interesting and perhaps useful in your own spirituality, and perhaps adopt fasting as a part of your own walk with God.
Thanks to the magic of DVR I've been watching the first three seasons of "Mad Men."
Set in the early 1960s, the series is about a New York Madison Avenue advertising firm, centering around one character, Don Draper, who heads the creative department.
He's a fascinating character — aloof, suave and handsome and morally bankrupt. He's married with two kids, but he sleeps with anything in a skirt. It's not uncommon for him to not come home for a few days.
If we as Christians go to church every Sunday, try not to do bad things and perhaps even tithe, aren't we pretty much on the path of salvation?
Minister plans to organize church
A local minister wishes to organize a Free Will Baptist Church in the Lawrenceburg area. If interested, contact Bro. Greg Preece at 502-432-1902 or e-mail email@example.com.
Submit church news to the Anderson News
Want to let everyone know about your next church event, concert or service? Contact The Anderson News to submit photos and information to be published on the Faith page.
In church you often hear the phrase: "Where two or three are gathered together...," and sometimes this phrase takes on new meaning.
I am often asked by those who read my column if I actually "walk the walk" or practice what I write here in the paper.
The answer is I try.
Do I fail miserably at times? You bet I do. The truth is I often feel either like I am a failure at being a Christian or at best a lukewarm Christian.
What the scriptures tell us about lukewarm Christians in Rev 3:16 is: "because you are lukewarm — neither hot nor cold — I am about to spit you out of my mouth."
Open Bible Church hosts evangelist
The Rev. Tom Stamman will be guest speaker at Open Bible Church in Lawrenceburg on Saturday, Jan. 7 at 6 p.m., and Sunday, Jan. 8 at 10 a.m. and 6 p.m.
There will be no 8:30 a.m. worship service, the church announced.
"If you've never had an authentic experience with the prophetic, or a close encounter with the one who is the source of all things, this is your opportunity," the church said in a news release to describe Stamman.
I heard someone pray that they wanted peace and comfort in their life for the New Year.
I understand this type of prayer, as I want the same, much like I am sure most of us do.
However, Christ promised us a very different life if we want to follow him. Matthew 10:34-35, "Think not that I am come to send peace on earth: I came not to send peace, but a sword, for I am come to set a man against his father, and the daughter against her mother, and the daughter in law against her mother in law."
Open Bible church changes service
Open Bible Church will hold a service on New Year's Day at 10:30 a.m.
There will be no 8:30 a.m. worship, the church announced.
Open Bible Church is located at 1830 Old Frankfort Road in Lawrenceburg.
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The Anderson News is your source for local news, sports, events, and information in Lawrenceburg, KY and the surrounding area.


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Before my Korean fever, my mascaras were usually max factor and before that mascara from the body shop. then i saw boys over flowers and there was JanDi and with her is the brand called beauty credit. it was my first korean mascara.
its wand is pretty basic, but the tip is slightly more pointed than the usual wand.
before application.
and after.
this mascara lasted my almost 9 months. yes i break that rule. the rule that you should only use mascaras for 6months. it had a thin formula nearly up to the very end. albeit the formula is thin, it didn't weigh my lashes down, it still kept my curl. if i want a more natural look i would not put my shiseido mascara base. if i want thicker full lashes then i'd apply the shiseido mascara base. i love the fact that it was really really black.
- thin formula that didn't clump my lashes and allowed me 2nd or 3rd coats without drying too quickly
- didn't flake
- didn't smear
- easy to remove
- didn't smell funky / no weird funky chemical smell
- not waterproof
- the price, (it' PhP500++) the price is competitive to max factor's mascaras. so i just think more people would get interested in this lesser known brands if they were either less expensive or have gimiks like freebies. but in fairness to the sales attendant at the podium branch of beauty credit (inside watsons) she did give me sample sizes of a moisturizer ;-)
Would i repurchase. sure
would i recommend: only if it is within your budget


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Jamaica to serve on UNWTO Executive Council
CHENGDU, China — Jamaica has again been elected to the Executive Council of the United Nations World Tourism Organization (UNWTO), to serve a two-year term alongside Argentina and Uruguay.
This, according to the Ministry of Tourism, is a shared arrangement of the four-year membership and will allow the three designated seats for the UNWTO's Commission of the Americas (CAM), of which Jamaica is a member, to be served by more members of the region. The second half of the four-year term will be served by Honduras, Peru and Brazil, beginning in 2019.
Minister of Tourism, Edmund Bartlett expressed pride that Jamaica would be represented on the Council.
"The confidence placed in Jamaica internationally puts us in a unique position to reap a number of benefits which will undoubtedly have a positive impact on the people of Jamaica. As a result of this, we have been able to form a number of key partnerships, strengthen linkages with other sectors and witness an increase in investments," said the minister.
In explaining the decision to share the membership with Honduras, Permanent Secretary in the Ministry of Tourism, Jennifer Griffith, in a release from the ministry today, said: "Jamaica stands in solidarity with our colleagues in the region. We are happy that we are able to negotiate within the Commission of the Americas (CAM) and agree to an amicable solution that will allow more countries within the region to participate in this global decision making body."
The Executive Council is responsible for the management and implementation of strategic decisions carried out by the UNWTO. By collectively serving on the council, it will allow tourism dependent countries to work together to better advance the development of the region.
"This was an objective of our trip to China and we are happy to have received the support from our fellow states in the Americas. We are confident that with this election, we will be at helm of the decision-making process of the tourism sector for member states within the Americas and, by extension, the rest of the world," said Griffith.
Bartlett, who was unable to attend the meeting due to the unexpected temporary closure at the Norman Manley International Airport (NMIA), joined his delegation in China on yesterday evening.
The minister will use the remainder of his trip to participate in the 22nd Session of the UNWTO General Assembly, while also promoting the 'UNWTO, Government of Jamaica and World Bank Group Global Conference on Jobs and Inclusive Growth: Partnerships for Sustainable Tourism', scheduled for November 27-29 at the Montego Bay Convention Centre in St James.
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Dancing with the Stars pro Derek Hough is coming back to ABC this fall, and not just to reprise his role as multi-season winner on the hit reality television show. The dance pro is going to make his primetime acting debut with a role on the hit show Nashville. The superstar dancer is slated to appear in "several" episodes of the drama alongside Hayden Panettiere and Connie Britton, as well as other famous cast members.
So, who is the dance pro going to play? A dancer? The answer is no; he's going to be an actor on the show. According to ABC, 29-year-old Hough will portray a 20-something actor by the name of Noah West. His character fits into the series after being asked to star in a biopic about a famous country singer in the show.
This is not a first for Hough. He's been on television a long time working as a professional dancer on DWTS. However, he's also got a bit of acting history. He took to the stage to star in Footloose: The Musical, and he's been the star in a movie called Make Your Move. However, his coolest movie role was a long time ago, when he was just a child. Hough had the cool job of being a nameless student at Hogwarts School of Witchcraft and Wizardry in the huge movie, Harry Potter and the Sorcerer's Stone.
Now that fans have even more reason to look forward to the September 24 return of Nashville, the wait is going to seem even longer. However, for those looking forward to seeing Hough appear on the drama, you're going to have to wait until October, when his episodes are scheduled to appear. If you just can't wait to see the dancer back on television, you'll just have to turn on the premiere of DWTS on September 15.
(Photo by Kevin Winter/Getty Images)


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Miller loses ruling on trial location
An Alaska state judge ruled Monday that Republican Joe Miller's court case contesting the Senate race results will be held in Juneau.
The next hearing for the case over the race between Miller and Sen. Lisa Murkowski, a Republican who currently leads the field with write-in votes, will be Wednesday.
Story Continued Below
Miller defeated Murkowski in the GOP primary in August, but the senator mounted a spirited write-in campaign to fend off Miller and retain her seat in the general election. After all of the ballots were counted last week, Murkowski held a 10,300-vote lead over Miller — including about 8,159 votes that have been challenged by Miller campaign but counted for the senator anyway.
The fate of those thousands of ballots will now be determined in a courtroom in Juneau. Miller's lawsuit argues that voters must spell Murkowski's name perfectly in order for their votes to count. Election officials have said they will use the lower standard of voter intent.
Miller's campaign, which wanted the trial to be held near his home in Fairbanks, downplayed the minor loss of its preferred location choice. Instead, Miler noted in a press release that he agreed with the state's contention that security was too big of a concern to move the ballots from Juneau to Fairbanks for the trial.
"We all paused when the state attorney general admitted to having security concerns about the ballots. We simply assumed the same security measures used to transport the ballots from Fairbanks (and from throughout the state of Alaska) to Juneau after they were cast would be used to transfer ballots from Juneau to Fairbanks, if that were necessary," said Miller.
Murkowski's campaign was pleased with Judge Doug Blankenship's decision to hold the trial in Juneau. Her campaign has maintained that the trial should remain in the state's capital.
"We agree that Juneau is the correct venue, so we are pleased with the court's action today," wrote Murkowski manager Kevin Sweeney in an e-mail to POLITICO.
State election officials were scheduled to certify the results of the election Monday, but a federal judge ruled last week that they must hold off until Miller's case is heard by the state court.
Murkowski filed a motion last week to intervene and assist the state with its defense. Blankenship did not rule on that issue Monday, and Sweeney said the matter would be considered in court later this week.


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Co-Op Week
My trainer and her fiancé are on a well-deserved vacation to visit family, so we're kind of a well-organized co-op barn this week. Everyone's taken some shifts on either AM, PM or night check. It always works well for us, but of course, things aren't exactly the way they should be:
|I wasn't sure where Connor's halter was, so we made one off the communal rack work...sort of. Ha!
The Aiken contingent returned, and Connor had to spend one more night in the indoor. She tried hard to think of someone else that could do it, but in the end, he's the most "go with the flow" guy we have the in barn. I take that as a compliment, and I really didn't mind. He has a blast in there, I swear he prefers chaos to order:
A very well-intentioned friend who owns arguably the most accident-prone horse in the barn was super worried about the fact that Connor had a water bucket on the ground that he could get his foot caught in, and offered her soft sided tubs. I thanked her, but really, between jump standards, poles, and bag chairs, the bucket is the least of my worries! He's smart, and I don't want to push my Welsh Cob luck too far, but he's not prone to doing things like that. In fact, he's only had one single scrape the whole time I've owned him, despite doing things like upending jump standards constantly. And everything did turn out just fine.
|This is my house now.


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The Drum Museum was opened in 1988. It was established by the Miyamoto Unosuke Shoten store, which specializes in manufacturing and selling taiko drums, mikoshi mobile shrines, and ritual tools, to preserve and show to the public the drums and their reference materials collected from all over the world. The museum houses 900 drums from not only Japan but also from Asia, Africa, Europe, America, and others regions. This is a rare museum to exhibit drums from all over the world in one place and is a very precious museum from historical, cultural, and ethnological points of view. There are 200 drums displayed in the permanent exhibition, and being able to play most of those drums is an attraction that only this museum can offer. At the museum shop on the first floor, the museum-recommended souvenirs, such as tight-side drum straps or letter pads, can be purchased. It is a two-minute walk from the Exit No. 3 of the Tawaracho Station on the Tokyo Metro Ginza Line.
Location Information
- Address
2-1-1, Nishiasakusa, Taito-ku, Tokyo, 111-0035
- Nearest Station
Tawaramachi Station
・ Tokyo Metro Ginza Line
Exit 3
2 minutes on foot
- Phone Number
- 03-3842-5622
Our staff may only be able to communicate in Japanese.
- Hours
Wednesday 10:00am - 5:00pm
Thursday 10:00am - 5:00pm
Friday 10:00am - 5:00pm
Saturday 10:00am - 5:00pm
Sunday 10:00am - 5:00pm
- Closed
- Monday,Tuesday
If the national holiday falls on a Monday, then we are open.


text: Hillel Helps Moscow Seniors Cope with Heat and Pollution by Hillel News |Aug 23, 2010|Comments The Kremlin is shrouded in pollution in August. When Moscow resident Elena Fleishman, 22, heard that Hillel was organizing students to help senior citizens cope with Moscow's deadly heat and air pollution this summer, she volunteered immediately. "During this ecological catastrophe many seniors could no longer come to the Jewish community's 'Chesed' centers for help because they were afraid to step outside," she explains. "I got a list of 150 people and my task was to call the seniors and make sure they were okay and to see if they needed anything so that our volunteers could help them." "Helping others is always a pleasure and it makes me happy," adds Fleishman. Fleishman was one of dozens of young people who responded to Hillel's call for volunteers for a program sponsored by the American Jewish Joint Distribution Committee (JDC). As foreign diplomats and others fled Moscow, Hillel staff and students jumped into the JDC initiative. Moscow JDC Director Alik Nadan commended Moscow Hillel's Olga Golovanova for her professionalism and dedication in coordinating the work of the volunteer service. For two weeks Golovanova recruited students for JDC volunteer opportunities through social networking sites, e-mails and phone calls. She set up a call center in Moscow Hillel where students reached out to seniors. Other students spread out across the city, delivering groceries to seniors, cleaning their homes, or simply providing moral support in a time of need. Maria Kapchinskaya responded to Hillel's invitation. "When I got a newsletter from Hillel I contacted the call center right away and offered my help: I thought that if I feel so bad in this kind of pollution, how must the elderly feel? I couldn't stand by." Kapchinskaya helped an 82-year-old woman clean her apartment. "She recently lost her husband and still hasn't quite recovered and now she has to deal with this kind of weather," says Kapchinskaya, who plans to continue helping the woman clean her apartment each month. Cleaning was also on the agenda for Sonya Duhovnaya, 19. "I was sent to an elderly woman to clean windows in her apartment," she recalls. "She lives on the 18th floor and was worried that I might fall out of the window so I had to be very careful." Why did she risk her life to volunteer? "I like people of different generations and enjoy listening to the seniors' stories," Duhovnaya explains. Back to Top Tags: {{Title}} [x] Add or, Select from existing Opening existing... Close existing Most popular tags Click to select: Show all2440Tags Show only most popular Opening all... {{Title}} ({{ItemsCount}})


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7-Day Meal Approach For Experienced Soccer Players
Several of us flip to food stuff to cover their thoughts. Food stuff is often a fast reply for typical feelings. Foods, in particular people laden with carbs and rapidly foodstuff, briefly cause you to feel greater, but just after consuming the extra calories the issues that lead to the psychological taking in continue to be.
You will start off by telling the software method what it really is that you choose to wish to eat. Of course you should have to select from your solutions that they provide you. The application will output an eleven meal options for men and women according to the choices which you built. Never be concerned there are actually superior foodstuff to choose from.
In this article is what you are able to anticipate with the Diet Solution Method. You can discover ways to regulate your metabolic rate so it is going to continuously burn off unwanted fat. It can demonstrate the amount to consume in the ideal kinds of meals without the need of calorie counting. You are going to study the most effective types of carbs to try to eat that can help you burn fats. This diet program application employs only serious scrumptious food items to aid you drop some weight. An a-z on primary criteria in nutrisystem coupon code. Additionally, you will learn how to personalize your food options to suit your metabolic process.
Pros: Extra fat Reduction 4 Idiots is really a quite uncomplicated plan for darn close to anyone. The 'cheap' nature indicates which you do not need to invest insane for just a excess weight reduction method. Next, the eating plan plan retains your metabolic process from working versus you and lets to easily craft a posh food strategy. 3rd, this system is highly well-known and would presume then, to be a prosperous application.
The amount of weight did you place on for the duration of your being pregnant? This is simply not ordinarily a question a different mother needs to become requested. The fact of your issue is the speed for getting rid of excess weight after being pregnant can be instantly impacted by your pre-pregnancy bodyweight. You need to have an easy time dropping fat just after pregnancy as long as you stayed within the ordinary ranged of bodyweight attain as outlined by your physician. If you have been a little overweight ahead of your pregnancy you might possibly uncover it a bit extra tricky to lose those people being pregnant pounds. You should have an exceptionally complicated time losing the load you gained throughout pregnancy. Talk to your physician concerning the finest way for you personally to acquire back for your pre-pregnancy excess weight if weight acquire has usually been a challenge for yourself.
Oils should be incorporated in every days menu however , you ought to make sure that these are typically polyunsaturated or monounsaturated oils. Oils that happen to be very good for your athlete are: canola oil, safflower oil, olive oil, soybean oil and sunflower oil. Nuts, seeds, some fish and avocados are also higher in healthier oils. Most athletes eat plenty of oils in whatever they take in every day so it ought to be uncomplicated to acquire but a suggestion is concerning 3-6 teaspoons each day.
Why eleven days? There is just one attribute of your Calorie Shifting diet regime that is certainly characteristically exclusive to such a diet regime: In an effort to thrust back any adverse effects because of immediate excess weight decline, you might be expected to get a mandatory three-day break through the diet plan after in each two weeks. Meaning that you choose to would diet for eleven days after which consider a three-day break in advance of you resume the diet plan once again for another eleven times.


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The New Toyota That's Perfect for You is Waiting for You in Frederick, MD
At DARCARS Toyota of Frederick we have a wide selection of new Toyota vehicles available for you to choose from. We have a variety of new cars, trucks and SUVs available and we would be happy to help you find the one that's right for you.
Toyota vehicles are reliable and practical but still stylish and fun to drive. When you choose a Toyota, you can expect an enjoyable ride that will last for many years to come.
We have an extensive inventory of new Toyota models at our Frederick dealership. Whatever you might be looking for in your new car, we can help you find the Toyota that's perfect for you. If you're looking for something compact and agile, you might like the Corolla or one of our Toyota Prius models. For something a little larger and more luxurious-feeling, take a look at the Avalon. If you want something sporty, the RAV4 could be a good fit for you. Or if you want a tough and powerful vehicle, then you might prefer the Tacoma. Our staff will gladly answer your questions to help you find the Toyota that's right for you.
No matter which vehicle you choose, you can expect a competitive price when you shop at our dealership. We only offer fair and affordable prices on all our vehicles, so you can get behind the wheel of a great new car without breaking the bank.
To see the new Toyota models we currently have available, feel free to look through the inventory listed above. If you'd like to learn more about any of those vehicles, feel free to stop by our Frederick, MD dealership serving Gaithersburg, Germantown, Leesburg, VA and Hagerstown. We would be happy to arrange a test drive for you in any vehicle you might be interested in so you can decide if it's the right fit for you.
*Prices exclude tax, tags, and $300 processing charge (not required by law). The photo shown may be an example only. All inventory listed is subject to prior sale. Please consult dealership personnel for details.
*New vehicle discounts include all current manufacturer rebates and factory incentives. Some may require you to finance through the manufacturer lending institution, not all customers will qualify. Rebates may include but are not limited to Military Incentive; 'College Grad Rebates, Consumer Cash, Manufacturer Bonus Cash, Lease Loyalty or Lease Conquest Cash and/or Regional Bonus Cash Incentives, please contact dealer for updated incentives.
The information contained on this web page should be validated with the appropriate sales representative and/ or lending institution with which the lien will be owned and maintained and does not in any manner override the corresponding associated U.S. Government and/ or State laws.
While every effort has been made to ensure display of accurate data, DARCARS is not responsible for misprints or typographical errors in equipment or pricing. Invoice price may not reflect final price to dealer.


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Find a Local Passport Office
Looking for US passport office information? You've come to the right place. There are two types of passport offices in the United States: Passport Acceptance Facilities and Regional Passport Agencies. Passport Acceptance Facilities are local passport offices that can provide passport applications, review passport applications, and verify your identity and US citizenship as a preliminary step to getting your passport. When you are applying for a first time passport, a passport for a child, or a replacement for a lost or damaged passport, the Passport Acceptance Facility will seal your application into an official envelope in a process called "executing the application."
Use our interactive map to discover which of the 8,000+ Passport Acceptance Facilities is most convenient for you.
"Me" will be used as the reference point to search from.
Enter your postal code or a city to modify your current location:
Expedited Passport Service at Passport Acceptance Facilities
The local passport office can send in your application for expedited passport service by mail, which will take 2-3 weeks to complete. If you need faster service, such as to get your passport expedited in 24 hours, ask the Passport Acceptance Agent to give you your sealed envelope so you can send it to a registered passport expeditor company.
Passport Offices Near You
Burke County Clerk Of Superior Court
Distance: 1.61 Miles (Approx.)The Passport Acceptance Facility in the Burke county clerk of superior court in Waynesboro, Georgia offers a variety of passport services on a first come, first served basis. The most important service is the execution of applications for New Passports, Minor Passports, and Replacement of Lost, Stolen or Damaged Passports. In this process, a Passport Acceptance Agent reviews the application, checks the identity of the applicant, and then seals the application into an envelope that cannot be opened except by Passport Agency personnel. This location also hands out passport application forms and accepts applications that need to be mailed in for standard speed processing. Contact and location details are below.
Address: 111 E 6th Street Waynesboro, GA, United States
Zip: 30830
Phone: (706) 554-2279
Category: GA
Expedited Passport Services available to process your passport in 24 hours


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The Texas Instruments MSP430 family of ultralow-power microcontrollers consists of several devices that feature different sets of peripherals targeted for various applications. The architecture, combined with extensive low-power modes, is optimized to achieve extended battery life in portable measurement applications. The device features a powerful 16-bit RISC CPU, 16-bit registers, and constant generators that contribute to maximum code efficiency. The digitally controlled oscillator (DCO) allows the device to wake up from low-power modes to active mode in 3.5 µs (typical).
The MSP430F534x are microcontroller configurations with four 16-bit timers, a high-performance 12-bit analog-to-digital converter (ADC), two universal serial communication interfaces (USCIs), a hardware multiplier, DMA, a real-time clock module with alarm capabilities, and 38 I/O pins.
Typical applications include analog and digital sensor systems, data loggers, and various general-purpose applications.


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|Education Bill
Mr. Willis: Will the hon. Gentleman confirm that the people whom 3Es, for example, bring in to run the mathematics department of a school in the Isle of Wight, because teachers have been put off, having met the MP—
Chris Grayling: That was before the election.
Mr. Willis: That was after the election. Does the amendment mean that the terms and conditions of those employed by 3Es who are sent to a particular department would be disapplied? Would they not have to conform to professional qualifications and be registered members of the GTC?
Mr. Turner: I had not envisaged that when I considered the amendment; I shall have to think about that proposition.
Mr. Willis: I apologise for my flippant comment; I am sure everyone loves the hon. Gentleman. If teachers are registered members of the GTC, the teacher being brought in would be no different from a
Column Number: 493teacher employed through a supply agency who was sent to a school for a particular purpose.
Mr. Turner: I do not think that the hon. Gentleman is wrong. It could indeed be a supply agency that provides the teachers, and there is nothing wrong in such an agency maintaining teams of teachers—a group of physicists, mathematicians or media-studies enthusiasts who operate well together, for example. That would provide flexibility in any attempt to improve failing schools. For that reason alone this is a worthwhile proposition, and I should be interested in the views of the Minister and his hon. Friends.
Mr. Timms: Nothing in the Bill prevents employment on a contract for services, so the amendment would not add anything to the measure. Orders made under clause 118 will form part of the contract of employment for teachers, and will override any locally agreed terms, as such orders do now, except in a limited number of cases in which pay and conditions have been or could be disapplied. It might be worth spelling those out. We are talking about ex-GM schools that opted out—a very small number chose to do so—education action zone schools that opt out, schools with earned autonomy under this Bill, and any school that uses the Bill's innovation clauses to disapply aspects of national pay and conditions.
11.15 am
On amendment No. 529, where this part of the Bill applies to a teacher, it will not be possible for a local agreement to override a pay and conditions order, as that would undermine the national system.
Mr. Turner: I will try to paraphrase, and the Minister will tell me if I am wrong. There is nothing wrong with employing a teacher on a services contract. That is permissible, but subsection (3)(b) provides that such a person is a schoolteacher and therefore subject to the maximum pay scales—I had thought that they did not exist, but the Minister assured us that they do—and all other terms and conditions as prescribed by the clause. It would not be possible, for example, to recruit a team of super mathematicians from 3Es and pay them a bit more to do two jobs at once. That is not exactly what such teachers do, but they would be maintaining the mathematics provision in the home school as well as undertaking such teaching for the school in need. They would not do that without receiving reasonable recognition, and schools with such a weakness would not be able to benefit, certainly not quickly, from the earned autonomy or other opt-outs that the Minister described.
Mr. Timms: The hon. Gentleman lost me slightly in that intervention. I do not think that there is an obstacle to the arrangement such as he envisaged, and it is possible for such a contract to be entered into. The orders that are envisaged in the Bill apply to contracts with LEAs and governing bodies of schools, but not elsewhere. The freedom to which he alluded is available.
Amendments Nos. 526 and 527 are highly prescriptive. Amendment No. 526 would mean that a qualified teacher could carry out only the specified
Column Number: 494work if they were to be paid as a qualified teacher. Amendment No. 527 would mean that a teacher would be paid as a qualified teacher only for the proportion of his or her time that was spent carrying out specified work that only a qualified teacher can do. That may not have been the intention, but it would be the effect. The difficulty is not only with the choice of words in the amendments, but with the intent behind them. They would create an unhelpful incentive for teachers to avoid taking on other tasks even when, from everyone's point of view, it would make sense to do so.
Mr. Brady: I accept the Minister's difficulty with the drafting of the amendments, but I repeat my invitation to explore the definitions of work that should be limited to teachers and work that could be carried out by others.
Mr. Timms: That is a fair point, and we will do that when we come to clause 129. We provided more information to the Committee with the policy statement on teacher qualifications that was distributed on Tuesday, and we may want to debate some of the issues in it.
Mr. Willis: Does the Minister accept the need for greater clarification on what I call sub-contracting? Under the 1993 arrangements, further education colleges were incorporated, which allowed institutions to set different pay and conditions. A difficult situation arose in many colleges, and the supply of contract teachers through agencies escalated. When the Minister offers guidance, would he reflect on the fact that teachers do not simply come into a maths department to teach maths? They are part of a broader spectrum of activities offered by the school, and I hope that that was what the Minister implied. A teacher cannot divorce a maths lesson from personal and social education or the exercise of duties throughout the school. I trust the Minister will not be sucked into that awful practice of considering teachers as just contracted employees.
Mr. Timms: The hon. Gentleman makes a fair point about the characteristics of schools and working in them. Any such arrangement would be made only if the head teacher decided that it would help to improve standards. The head would want to take into account all the issues that the hon. Gentleman raised. Currently, agency staff are not eligible for national pay and conditions. Someone employed in the normal way is eligible for national pay and conditions, which is what the orders relate to.
Mr. Willis: That is an important issue. The comments of the hon. Member for Isle of Wight about the article in The Sun raise serious concern. During the last three years, the number of teaching staff working through agencies has increased, because they can get plenty of work and do not have to undertake the host of other responsibilities that accompany the teaching role. All the political parties, and particularly the Government, must think before encouraging contract work in schools, because it would undermine the fabric of state sector education.
Mr. Timms: We do not want to encourage contract work, but we do not want to put up unnecessary barriers to it.
Column Number: 495
Mr. Willis: We need a balance.
Mr. Timms: The hon. Gentleman is right. I would like as many vacancies as possible to be filled by regular teachers. However, in recent months we have not seen the disruption in schools that was a feature of recruitment and retention problems under Conservative Governments, when children were sent home and schools were seriously disrupted. That has not happened partly because the supply arrangements in many schools have worked quite well. That is the balance that I hope we will strike successfully.
Mr. Turner: None of us wants teaching services to be provided in the way described by the hon. Member for Harrogate and Knaresborough. However, there are only two ways of reducing a shortage: the first is to make terms and conditions less onerous, and the second is to make those terms better. The Minister told
Column Number: 496us that even under contract, the terms cannot be made better than the national arrangements, except in certain—[Interruption.]—He said that a teacher under contract is subject to the national pay and conditions arrangements except in the opt outs that the hon. Member for Harrogate and Knaresborough described.
Mr. Timms: I am conscious that we have only a few seconds remaining. If the teacher is on contract and employed by someone else, the provisions do not have to apply. If the teacher is employed by the school in the ordinary way, they do.
It being twenty-five minutes past Eleven o'clock, The Chairman, adjourned the Committee without Question put, pursuant to the Standing Order.
Adjourned till this day at half-past Two o'clock.
The following Members attended the Committee:
|©Parliamentary copyright 2002
|Prepared 17 January 2002


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Pablo Rudich Tour Guide
recommendation by dropboy
Pablo Rudich has been a tour guide around Vienna for the last 20 or so years. And to say that he is enthusiastic would be an understatement. Generally its probably best to get lost around a new city and see what it's all about but having Pablo beside you as you walk through the different districts is like having an encyclopaedia walking with you. You see Vienna as you would never believe. Enjoy him and plunder he's mind and knowledge of Vienna. A real eye opener !!


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Color Combos
|Posted by Sandra McCrea on August 22, 2014 at 12:10 AM
|comments (0)
Anyone know colors mean a lot and the more you work with them.. the more you hate them or maybe that's just me. I stress and worry about colors all the time!
The truth is this
- You get stuck in the same colors
- You're using the same color combos all the time
- Half the time you have no clue on what you are going to pick!
So made this one bracelet this week and I love it! Yet it was the same old SAFE colors that I love. Which even though it was a new pattern and it was great just didn't have that like yes this is awesome and I can't wait to see it when it's done!
Then was told to do another pattern yet to change the colors. To be honest I didn't really care for this pattern and, if I would of finished it by now I would show you! Yet this one I found really hard to change the colors on for some reason. The main reason and I can tell you this it was hard to change these colors
I wanted a few things
- New feeling of the pattern
- Change every color
- Summery
- Bright Colors
So how did I do this well it really was only 4 colors the hard thing is that if half way though I want to change the colors and they don't work I can't change them. So stressing about 4 color seems a little bit more realistic. The original colors are white, dark green, yellow, and gray. Odd color scheme I know! So the colors I thought would work would be white, lime green, yellow, and orange. and I was like really Sandra you can do so much better than this you aren't even changing the colors that much! Changing colors can also mean changing location too. So I didn't really have a clue as to which colors I would use. I moved a few of the colors around and this is what I got: Lime green, yellow, hot pink, then white.
Honestly thats a change! I mean I can tell it's the same pattern but you can tell that the other one looks a lot better!
Well thank you for reading Just The Knots! I really do appreciate it, I love all of you and best wishes with the next thing you create!


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Apple (AAPL) has enjoyed a pretty remarkable run over the last decade. Ever since Apple introduced the iPod in 2001, the company has seen shares jump over 5,000 percent. The company now exists in some truly rarefied air, with questions abound as to whether or not the company's massive gains can be held over time. One firm, though, appears to think that Apple's gains are just beginning.
Brian White of Topeka Capital Markets has set a price target for Apple of $1,001 a share, an additional 61.8 percent higher than the firm's already sky-high share price. "Apple fever is spreading like a wildfire around the world." said White, adding "We see no end in sight to this trend" White's price target may garner plenty of skepticism from other analysts, but it has at least put Topeka Captial Markets on the map in the short term.
Rambus (RMBS) Partners with Fern Howard
Technology licensing firm Rambus has signed a deal with Fern Howard, a market-leader in the manufacture of energy-efficient lighting technology. This deal will allow Fern to sell products that utilize Rambus lighting patents involving Rambus' MicroLens optics technology.
"We are excited to see Rambus lighting solutions expand into the European and Middle Eastern markets with the help of Fern Howard," said president of the Lighting and Display Technology business at Rambus Jeff Parker. "Using key Rambus technologies, Fern Howard fixtures will achieve a level of styling, application efficiency, and precise control of light unmatched in the bulkhead and utility lighting industry."
VIVUS (VVUS) Awaits Results
April looks to be a make-or-break month for biopharmaceutical company VIVUS. The company is awaiting the approval decisions for two different drugs, one an obesity treatment and the other for erectile dysfunction, that could mean major profits for the Mountain View, CA-based company. Qnexa, the pending obesity drug, has been watched with the closest scrutiny. If it receives FDA approval, it would become the first drug of its kind to garner FDA approval in more than ten years.
DISCLOSURE: The views and opinions expressed in this article are those of the authors, and do not represent the views of equities.com. Readers should not consider statements made by the author as formal recommendations and should consult their financial advisor before making any investment decisions. To read our full disclosure, please go to: http://www.equities.com/disclaimer


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ELIZABETH – A 23-year-old New Brunswick man was indicted last week for the murder of a 24-year-old Linden resident, according to an NJ.com report.
Eugene Cady, an alleged member of the Rollin 30's Crips street gang, is accused of fatally shooting Kason Wilson on Union Street in Linden on Aug. 21, 2011, according to the report.
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As a Florida elder law specialist, Miller aims to help prepare her clients for all aspects of senior life.
Gainesville, FL (PRWEB) July 11, 2012
Miller Brasington, P.L., a firm staffed with experienced Gainesville Estate planning attorneys, has launched a new website with the assistance of professional website design company AuthenticWEB (formerly EvolveALOUD).
Miller Brasington operates largely in North Central Florida--including Gainesville, Ocala, Jacksonville, Tallahassee, and Lake City--but its team of attorneys can be contacted from anywhere in the United States.
Shannon Miller is a board certified specialist in the area of elder law, which encompasses estate planning, probate, and wills. As a Florida elder law specialist, Miller aims to help prepare her clients for all aspects of senior life. Furthermore, Miller is one of the few lawyers doing probate and trust litigation in her area. She and her fellow attorneys get to know each family and individual personally, and they come up with a custom plan based on the clients' specific needs. An initial consultation with Miller Brasington is free, and because it is a small firm, each client can rest assured that he or she will always be working with a partner.
Authentic Web is a web design company that combines Search Engine Optimization (SEO), online video, and social media for service professionals. They are internet experts with a business focus who center their web design strategies on trying to attract the sort of clients each individual business would best be able to and most like to serve.


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19 cheapest ways to get travel money
Foreign exchange and travel cash tips and tricks
Get Our Free Money Tips Email!
For all the latest deals, guides and loopholes - join the 12m who get it. Don't miss out
Spend the wrong way abroad, and you could be wasting ��s every time you shop. Recent volatility due to Brexit talks means it's more important than ever to bag top rates. Specialist cards help you do that by allowing you to get near-perfect rates every time you spend overseas.
But it's not just having the right card. There are a host of other tools, tips and tricks that we've designed to help you get the most bang for your buck. Here are our top tips...
19 travel money savings, including...
Should I buy holiday money now?
Without a crystal ball, no one knows if the pound will be stronger or weaker in the future. Anyone who tells you otherwise is merely speculating.
Yet, if you're concerned about currency volatility before you head away, you could choose to buy half now and half later. Do this and you'll be less affected by currency swings. Another option to protect yourself from fluctuations is to order cash online from a specialist travel bureau that lets you cancel later down the line for free. For more on this, see point 5 below.
Martin recorded the video below in 2017, and while the info about Article 50 is no longer relevant, the rest still applies today.
For more on the cards Martin talks about in the video, see credit cards, prepaid cards and travel cash.
Warning: your holiday can cost �100 more if you spend the wrong way
Ultimately, when abroad you want to pay for only what you buy, yet by doing it the wrong way many also pay for paying, too. Here's how much spending �1,000 actually cost, in pounds, when we made comparisons on 9 July 2018 using our Travel Money Comparison tool (we assumed five �100 cash withdrawals, and 20 transactions on the cards).
- On a specialist credit card repaid in full:��889.93 (see point 2)
- Cash, via UK's cheapest bureau (pick up in London):��892.78 (see point 3)
- Cash from M&S (non-cardholder):��915.83
- Using a debit card from hell:��946.25 (see point 7)
- Change at airport (Gatwick South Terminal, ICE Travel Money, not pre-ordered): �1,046.46
As you can see, the differences can be massive, yet the winners are simple. Apply for a specialist overseas credit card, then use it every time you go.
The top-pick credit cards abroadNone of the following cards adds a sterling exchange fee, so all give near-perfect rates. However, Mastercard's rates tend to be slightly better than Visa's.
- Long-term winner: The Halifax Clarity* offers no fees on overseas spending, though ATM withdrawals incur interest even if you pay off the card in full � so it's best to prioritise spending where possible. Plus, if you apply by 31 Aug 2018, you'll get �20 cashback if you make a transaction in a foreign currency by 30th Sep 2018. Repay IN FULL to minimise the 18.9% rep APR.
- Good for cash withdrawals: Barclaycard Platinum travel card as it has no cash withdrawal fee, and charges no interest on overseas withdrawals if you pay IN FULL every month. It's 19.9% rep APR on spending if you don't pay in full.
- Top easy-to-get: Aqua Reward Mastercard* primarily only use this to spend as its 34.9% rep APR is charged on cash withdrawals even if you clear in full. Though the boon is it's designed for those with poor credit and gives 0.5% cashback on spending.
You can find more information about these cards, and other top options in the Cheap Travel Cards guide.To find which you are most likely to be accepted for, use our Overseas Credit Card Eligibility Calculator which shows your odds for each of the top cards.
To make this work, ensure you always repay IN FULL, preferably by direct debit, or the interest cost dwarfs any gain you get from the better rate.
You also get Section 75 protection
On top of giving you the top rates when spending abroad, specialist overseas credit cards also give you Section 75 protection.Pay for something costing �100 to �30,000 on a credit card and the card firm's jointly liable with the retailer if things go wrong. This is useful abroad, as taking things back is tough. It's also good protection when buying from overseas websites. For more, read our Section 75 guide.
Credit cards are good if...
- You want the best spending rates
- You want Section 75 protection
- You've a decent credit score
Credit cards are bad if...
- Your credit score's poor
- You won't repay in full every month
Need cash? Compare top currency rates
Our TravelMoneyMax.com travel money comparison tool compares rates at about 30 online bureaux and orders them by how much currency you'll actually get after all fees and charges.
Though beware, pay a UK bureau by credit (not debit) card and it counts as a cash withdrawal, so there's a fee and interest even if you fully repay � best to always use a debit card or cash to buy.
Getting cash is good if...
- You want to lock in a rate
- You want to stick to a budget
- You have a secure place to keep it
Getting cash is bad if...
- You want the absolute best rates
- You need to pay by credit card
- You want Section 75 protection
- It's stolen
Buy cash trick to protect against currency swings
While they may not offer the very best rates on the market, a few bureaux's terms and conditions can be manipulated to give you protection against currency swings, as you order at today's rate for collection before your holiday. Then...
- If the rate gets worse, you're up as you got it at today's rate.
- If the rate gets better, you cancel it and buy at the new rate.
This was a corking trick when we first launched it just before the Brexit vote, as you could buy up to 60 days ahead and cancel at no cost. Now most bureaux have altered these terms. Of the big bureaux left (and you'd want big brands as they're holding your cash with little protection) there's...
- Travelex*: Order for collection up to two weeks ahead and cancel for free before last 24hrs (�10 fee if cancelling within 24hrs). If you've ordered less than �300, click and collect fees will apply, which won't be refunded. Good in case of imminent fluctuations.
- Moneycorp*: Order for collection up to 14 days in advance. The rate you get is the rate on the day you order but you don't pay until you collect. If you want to cancel, simply don't go and pick up the cash.
- Sainsbury's*: Order for collection up to eight days ahead, but it's �10 to cancel. Can be worth it for larger buys (above �500ish) � see the �10 as 'insurance'.
This is by no means a must-do, but it is an option if you're worried about currency moves. Use TravelMoneyMax to see which of these bureaux (they're all in there) gives the best rate.
Or sell your currency back at the same rate � usually �5ish but can be free
A couple of firms currently allow you to pay a �4-�5 fee, called a 'buy-back guarantee', that gives you the option to sell your currency back to them for a full refund of what you paid in pounds � and one will even let you do it for free, as long as you ask for it.
- Moneycorp* � Free if ordering �500+, otherwise �3.99 fee. You can sell back up to �1,000-worth of currency for a full refund at the rate you bought it, as long as you do it within 31 days of collection in store. To get the buy-back guarantee, ask in store when you purchase your currency.
- Travelex* � �3.99 fee online (�4.99 in-store). To sell the money back for a full refund, you've 45 days from date of collection in-store or from the date of ordering if it's delivered. You need to pay when ordering your money.
If you want to lock in a rate or stick to a set budget, try a specialist overseas prepaid card
Here, you load with cash before you travel, then use it like a debit card. If you lose it, your cash is protected. You get the rate on the day you load/buy, not when you spend, so currency fluctuations may mean you get a worse deal (or better one).
However, there are a few places that don't accept them � car hire firms and pay-at-pump petrol stations are the major ones, but there are a few others to watch out for.
Our top picks are Revolut and WeSwap as they have decent exchange rates and low or no fees. FairFX is also good if you're loading �600+, as it gives an extra �20 of currency.
For more info and other top picks, see Cheap Prepaid Travel Cards.
Prepaid cards are good if...
- You want to lock in a rate
- You want to stick to a budget
- You lose it/it's stolen
Prepaid cards are bad if...
- You want the absolute best rates
- You need to hire a car
- You want Section 75 protection as there's none
The CHEAPEST debit card abroad
We prefer cheap credit cards, as it's a big schlep to change your entire bank just so you can get one that's cheaper to use abroad. Plus, if you're fed up with your own bank and want to switch, there are better incentives � you can get �125 just for switching or up to 5% interest (see Top Bank Accounts).
Yet if free overseas spending is what you want, new app-based�Starling Bank's*�current account charges no non-sterling transaction or cash withdrawal fees when you use its debit card worldwide.
If app-based banking isn't for you and you'll travel only in Europe, the Metro Bank current account charges no foreign exchange loading or cash withdrawal fees on its debit card. In the rest of the world, it charges a 2.5% load fee and �1.50 for ATM withdrawals. You can open the account online or in one of Metro Bank's branches located around London and southeast England.
Check our main Travel Cards guide for more information about these accounts.
Specialist debit cards are good if...
- You're happy to open a bank account to get one
- You want to make cash withdrawals as there's no charge
Specialist debit cards are bad if...
- You switched from a better account to get one
- Or if you want to switch but pick a travel debit card instead of one of the more profitable debit cards available
- You want Section 75 protection as there's none
Debit cards can be the worst way to spend abroad
Eight debit cards (everyday bank cards) are our cards FROM HELL. Not only do they add a load and an ATM fee, they also charge up to �1.50 EVERY time you spend on them.
So, say you spend �5 on the card. After loading and spending fees, it can cost �6.65, which soon adds up over a holiday.
Bank of Scotland | Halifax | IF | Lloyds | Santander | TSB
NatWest/RBS & Clydesdale/Yorkshire (hell for small spends)
ANY other card, including credit cards (if repaid IN FULL), is cheaper to spend on than these. See full Debit Cards From Hell info or check your card's fees abroad.
Get Martin's Free Money Tips Email
For all the latest deals, guides and loopholes � join the 10m who get it. Don't miss out.
If they ask 'Do you want to pay in pounds or euros?' � say EUROS
When paying on a card abroad (or withdrawing from an ATM), you're often asked if you want the transaction to be in pounds or the local currency.
As a general rule, never pay in pounds � that means the overseas store/bank is doing the conversion, and rates are awful. For a full explanation of how this 'dynamic' currency conversion works, see Martin's 'Using plastic overseas? Always pay in euros?' blog.
Find out what your existing cards are charging
A couple of years ago, banks and credit card providers didn't have to show a statement breakdown of what they were charging you when you used your card abroad. This all changed a few years ago, causing some confusion, with some people thinking they were only now starting to pay, though it's actually always been the case on all but a few cards.
So find out how much the cards you already have charge for use abroad � as you may not have the time to switch before your holiday � and make sure you use the cheapest (the best cards are listed in point 2). To help, we've built a How good is your current plastic? checker.
Don't change your cash at the airport (or at least order ahead if you're last-minute)
It's the easy option, but it's such a waste. Airport and ferry port rates are usually dismal, as they know they're the last port of call and you're a captive customer.
Far better that you use TravelMoneyMax before you go or, if you've left it too late, at least order in advance online to pick up at the airport to get better rates.
Is it better to change my cash once I get to my destination?
In general you don't get a better rate changing your pounds to euros, dollars, lira or dong once you're in that country than you do here. Yet that doesn't mean there aren't a few local bureaux overseas that may give tip-top rates.
The problem is there's no way of knowing until you're there, and as rates vary every day, once you're there, comparing to what was available back home is tough.
Therefore we suggest for safety you sort it before you go (if you can � some currencies, like the Lao kip, aren't available outside the country). The big advantage of that is you can use the TravelMoneyMax travel cash comparison to find the best rate from around 30 bureaux.
And getting a top rate here should usually beat relying on an unknown rate from a one-off local bureau once you're there.
Don't buy travel cash or load a prepaid card with a credit card
If you're buying currency at a bureau de change, or online through TravelMoneyMax, there's a hidden charge you could fall foul of if using a credit card.
Buying currency is counted as a cash withdrawal, so you could face a myriad fees, including cash withdrawal fees, interest, or even a fee for using a credit card charged by the money changer.
Some card providers, including Santander, Tesco Bank and Virgin Money, also treat loading a prepaid card using a credit card as a cash withdrawal.
So if you're buying currency or loading a prepaid card, ALWAYS use a debit card, which isn't allowed to charge this fee, or withdraw cash and pay with that instead.
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Can I go cashless and just use an ATM at the airport?
It goes without saying that for safety, many like to have a wad of euros, dollars or lire in their overseas wallet before they jet off � in which case our TravelMoneyMax tool will do the job.
However, it may be cheaper to travel cashless and simply withdraw money from an ATM at your destination airport with a top travel credit card. Do this and you'll benefit from near-perfect exchange rates (which'll beat the rates offered on exchanging cash in advance). When we checked on Tuesday 10 July, �200 cash cost �178.97 from a top bureau de change, compared with �176.31 using the Mastercard exchange rate typically offered on most overseas travel cards.
However, bear in mind that it may be difficult to avoid ATM fees in certain countries. From our experiences at MSE Towers, we've seen ATM fees in Vietnam, Thailand, India, the US and elsewhere � though going cashless may still work out cheaper than taking cash even after factoring in the odd ATM fee.
Remember that if using a credit card overseas, almost all card providers will charge interest from the moment you make a cash withdrawal. To minimise this, pay off the balance IN FULL while abroad. Also see the point below in regards to the potential credit score impact of withdrawing cash on a credit card.
It's also worth being aware that not all airports will have an ATM at arrivals. Others will have them but may charge fees or worse, not be in working order. If you do plan on travelling cashless, it may be worth researching the airport online before you go
Withdrawing cash on a credit card could hurt your credit score
Withdrawing cash on some of the top specialist overseas credit cards is a MoneySaving thing to do. But, it can have unintended consequences.
If you withdraw cash on a credit card, it's recorded on your credit report. This isn't necessarily bad, in itself, but if you applied for a loan or other credit card soon after, the new lender might see it as a sign that you've no cash in your current account and you're so desperate for cash, you're willing to pay high interest to get it.
In isolation, the negative effect of withdrawing cash is minor and shouldn't be the root cause of a rejection. But if it's combined with other negatives on your credit report, it doesn't look good.
To be safe, if you've an important credit application, like a mortgage, to make � it's probably worth avoiding withdrawing cash on your credit card for the few months before the application.
You can read our short guide for more information about withdrawing cash on a credit card and its effect on your credit report.
What's in your overseas wallet?
Are you part of the 'overseas wallet or purse' club? Martin's pioneered this, and it's a clever way to make sure you're prepared on holiday. His rationale is that there are some things you only need when abroad:
- Specialist overseas plastic. These tend to be pretty poor for UK use, so leave it in your overseas wallet until you go away.
- Free EHIC for emergency medical issues in Europe. See our guide on how to get or renew your free EHIC card.
- Driving licence & international driving permit. Check out when and why you need to take these, plus see our full Driving Licence Renewal guide.
- ESTA number for US travel. Check out our ESTA guide.
- Leftover currency. Left over from previous trips, good if you can't get to a cash machine right away.
Check out what else is in Martin's overseas travel wallet.
It's not just about the travel money
You need to be savvy with more than just travel cash. Fail to be clever about your money elsewhere and you could wipe out all the gains you've made from paying the right way.
So, whether you're chilling in Chile or roaming in Rome, there are loads of hidden tricks to save cash and ensure you're Havana great holiday.
We've a guide to help you find the cheapest flights, get free maps on your phone, find the best plane seats and more. Read the 50+ Overseas Travel Tips to make yours a happy holiday.
Hiring a car abroad? You'll probably need a credit card
Many car hire firms won't accept a debit or prepaid card when you come to pick up your car, and will instead need a credit card. As you'll usually be paying (or leaving the deposit) in the foreign currency, and this can be a substantial amount of money, a specialist overseas card is particularly good for this.
Plus don't forget travel insurance
Travel insurance is as important to your trip as getting currency, yet many go abroad without it.
A decent travel insurance policy will pay medical bills for you if you have an accident or fall ill � most countries charge for medical care, and some charge a lot. It will also cover you for cancellation, lost or stolen baggage, and for legal expenses should you get into trouble overseas.
It's a travel essential � and with prices starting from �9 for an annual policy for an individual in Europe �don't leave home without it. Check out the top policies in the Cheap Travel Insurance guide.


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By Sam Tighe
The 2014-15 Premier League season may be in its infancy, but there's still plenty to digest early on from a tactical perspective.
Top-tier managers never stop looking for ways to find the edge, and the summer transfer window gives them the chance to refresh their XI with a new shape, philosophy or approach.
Here, we chart five early tactical shifts—not all of them positive. However, getting the latest Guts sports bonus codes is always positive.
Jose Mourinho's Chelsea were the stingiest team in the Premier League last season, with their 27 goals conceded a clear 10 less than the next best defence (Manchester City, 37).
This year round, however, the Portuguese boss has gone all-out attack in his approach—perhaps a reflex to his side's habit of dropping points against "lesser" teams last season—and in the process, has only kept one clean sheet from five games.
The second half against Swansea City saw the Blues switch from 4-2-3-1 to 4-3-3, signalling a potential change in thought-process, but it's been very un-Mourinho-like so far.
Steve Bruce played a 3-5-2 formation for almost the entirety of the 2013-14 season, and in doing so led them to safety with a good "goals against" record and lost to Arsenal in the FA Cup final.
Ahmed Elmohamady, Curtis Davies and Tom Huddlestone were perfect for the formation, and retaining both Shane Long and Nikica Jelavic ensured they scored enough goals to worry defences.
The addition of Michael Dawson this summer only seemed to reinforce the idea that Hull are a three-at-the-back team, but a questionable start to the season—including a dreadful performance at Villa Park—has seen Bruce switch back to a four.
Luckily for the neutrals, it looks like the Tigers may be looking favourably at the...
Check out the løatest Guts sports bonus code and boost your acca's!
England is diamond-crazy right now, with many taking inspiration from Liverpool's incredible run last season in the Premier League under Brendan Rodgers.
The 4-4-2 setup he created not only got the best from Luis Suarez and Daniel Sturridge as linkup forwards, but also unleashed Raheem Sterling as a No. 10, Jordan Henderson as a box-to-box beast and Steven Gerrard as a regista-esque playmaker from deep.
The copying has started in record fashion; Louis van Gaal's Manchester United have done it, West Ham United have done it and even Roy Hodgson's had a tinker. The effectiveness of it, provided you have the right type of players, is spelled out irrepressibly in front of our very eyes.
Paul Lambert is at his best as a tactician when he's reacting and changing formations to suit each fixture. It's one of his strongest assets, and it makes Aston Villa very, very difficult to gameplan for.
The club fell into a bit of a rut last season and there's no doubt his "settling" on a 4-3-3 formation played a huge part. Injuries dictated the stability, but Villa lost some of their edge in the process.
This season, though, he's back with a bang. A replenished, more experienced squad has given him all the tools he needs to chop and change, moving fluidly between the 4-3-3, the 4-2-3-1 and the 4-4-2 diamond when necessary.
This has played a large part in their very strong start to the campaign.
Arsene Wenger has, for some reason, switched from a standard 4-2-3-1 to a more asinine, clunky 4-3-3 (4-1-4-1). While that suits Jack Wilshere and Alexis Sanchez down to the ground, it hit Mesut Ozil hard and also lessens the already-limited effectiveness of Mikel Arteta.
If Ozil isn't playing as a No. 10 there's no point playing him, and in a league where physicality and energy can reign supreme, the fact that the German is stuck out on the wing makes him look silly. He's simply not an athlete; he can't track and he can't help his full-back.
In placing Ozil on the flank, you weaken your attacking output and create a target for the opposing team to attack. It really is fruitless on all counts. Ozil had arguably his best game of the season when operating in his natural position against Villa; but will Wenger adjust the team around him?
You can find Sam on twitter at @stighefootball.
Check out this weekend's Premier League odds.
Categories: Premier League , soccer


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Edward Snowden, whistleblower or leaker of state secrets–you decide, is the internet's new sex symbol.
The some of the internet is gushing over the hero/traitor, 'I know I should get past the "Edward Snowden looks totally hot" thing and focus on the issues. Maybe I'll get round to that next week.' Another said Snowden could "blow my whistle."
so, edward snowden is kinda hot, no?
— alexandra finkel (@alexandra_rose) June 10, 2013
I know this is far beyond the point and making light of the situation but Edward Snowden can blow my whistle #beendrinking
— Chloe Tse (@coldv) June 10, 2013
A facebook page has popped up in support of Snowden, in addition to a tumblr. The hero/traitor is currently on the run. He checked out of his Hong Kong Hotel yesterday.


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LPNs in the NICU??
this Neonatal part of the site contains so much information, I really don't know where to start!! In reading as much of it as I have, though, I am wondering if anybody has ever heard of a hospital staffing LPNs in their NICUs? I haven't signed up to go to RN school yet, and I really want to know more about the Neonatal part of nursing before I decide if more schooling is my next step. Any suggestions besides calling every hospital in the area? (which would only leave me with a few options-I live in Tiny Town, USA) Thanks much!!:roll
This nurse had a stressful day and is very tired. Going to sleep on this.:zzzzz
About luvbug
Joined: May '03; Posts: 182; Likes: 23
clinic nurse; from US
Specialty: 8 year(s) of experienceMay 17, '03We haven't even gotten to 3000 posts yet! Try looking in Off-Topic. It's absolutely impossible to read everything!
Are you working as an LPN now? I don't know about working in a Level III NICU (my unit does not hire LPN's for LIII), but perhaps you could get a job in a Level II NICU, or in the well-baby nursery? My hospital, and others that I am aware of, *does* hire LPN's for both of those nurseries. Obviously, though, your options may be limited in the town that you currently live in. I live in a pretty large metro area in the South, and we have at least 10-15 well baby nurseries, 10-15 Level II nurseries, and at least 4-5 Level III nurseries, so this means a lot of job opportunities within a sixty-mile radius. Don't forget that "neonatal" includes ALL newborns, not just those needing intensive care! Just about every hospital delivers babies, and all those babies need nurses. If you aren't able to get a position working in the NICU, perhaps you might consider the "healthy" nursery? Surely some of the hospitals in your area have those, and you could always call and explore your options.
Welcome to the boards! Let us know if you have any questions, okay?Last edit by NICU_Nurse on Aug 18, '03May 17, '03I have never heard of a position for LPNs in an NICU. We haven't had any healthy baby nurseries for years because they room in with their moms. I would imagine if you are willing to relocate after grad there must be some places with such positions.May 17, '03I presume that an LPN is what we in NZ call an Enrolled Nurse - a graduate of a shorter programme of training (18 months I think it was). We used to employ several ENs in our Level II nurseries, but they have now all done their degrees and are now RNs. I think it depends on the policy of the particular hospital whether they are employed in NICUs or not.May 17, '03I worked in a large general hospital a year ago, and we did have LPNs that worked in our NICU. It was a level 3 NICU, but they took only the feeder-growers and did almost every discharge because of that. It was bad when our census fell they were always the ones to get cancelled. They were VERY smart nurses and had been doing it for a long time, so they kind of grew with the unit. Every other NICU I have ever been in does not have LPNs.May 19, '03Thank you all so much for the replies!! I was pretty sure that I would have to go back to school, but I think I just needed some confirmation on that.May 20, '03We had LPN's when I first started there 17 years ago, but they reassigned them to the peds floors about 12 years ago. They were the best nurses I worked with! We can't even have an LPN float to us anymore because they can only feed kids, no assessment, no meds (even if med certified).May 20, '03NO LPN's in any of the NICUs or Special Care Nurseries in any of the hospitals that I KNOW OF. It's hard to get a job in OB or Newborn nursing as an LPN in my area, period.May 20, '03We had LPN's in the old days, but about 12 years ago the hospital decided only RN's in all ICU's. About a year before that the hospital offered full payment for any LPN to get the RN...and some did do that...but only one still works in our unit.
They were some great nurses too, I learned so much from them. It was hard because our NICU has it's own step-down area through to home going and many worked there.May 21, '03I am an LPN from Eastern Idaho and one of our Hospitals in Pocatello called Bannick Regional Medical Center does or at least in 2001 had staffed LPN's in the NICU, I was there for awhile as I have 12 years experience in NBN and Peds, but what you can actually do in the NICU is very limited and you are limited to the feeders that are getting ready to grad and go home. But as they say anything is possiable.May 21, '03In CA, LVNs can't legally be counted in the NICU staffing ratios, so hospitals don't put them there.
I haven't been able to find out if they can work in intermediate nurseries or not.
They CAN work in well-baby nurseries (actually, we have one of the few in the area and we are always packed - a lot of the moms in this area want the option of sending the baby to the nursery...) and Mother-Baby.Jun 9, '03In a Georgia NICU Level 3 30 bed NICU I worked in there were 2 LPNs who had been working there for nearly 20 years. They were not transferred to Peds or Mother-Baby Unit but were only allowed to care for feeders & growers. Our policy was that if they left, they would only be rehired if they had their RN. Any new nurses hired into the NICU were to be RNs or RN students in their second year of nursing school.
There are only RNs in the the NICU here in my new town in Alabama which is a Level 3, 25 bed unit.
Both of these hospitals hire LPNs to work in their Mother-Baby Units and Post-partum and Well Baby Nursery. (One hospital has a mother-baby unit where post-partum and well baby nursery are essentially combined and the other is the old-fashioned separated way.)
So, luvbug, this very non-scientific poll here at allnurses neonatal nursing board seems to confirm your suspicions that an RN degree is probably needed if you want to work in a busy NICU. In smaller towns I'd expect you'd have a much better chance of working with babies either in a nursery or in L&D, but I'd bet they'd be healthy babies and any really sick or preemie ones would be shipped away to a larger hospital which is equipped to deal with such illnesses and preemie needs.
Good luck and please visit us here often!!!
Jun 9, '03We don't have LVN's in our level II as core staff. I was told it was related to CCS certification. When we are very busy, we sometimes have an LVN come in to help out, but they can't do assessments.
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From Bermuda to the Beach
Pacman Part II
It was difficult to make the decision to continue my rant on Adam "Pacman" Jones, but after several hours and pushing the deadline as far as I could, I've decided to run Pacman through the wringer one last time. Maybe.
Let me catch you up on Pacman. The commissioner of the NFL, Roger Goodell, has reinstated Pacman. He is free to make millions more dollars doing what the good Lord has gifted him with, a talent for playing a game called football. Let's forget that Pacman likes to fight, spit on women, ingest illegal drugs, and hang out with people that are likely to scare the hell out of a normal person walking down a dark alley.
The NFL has taken away Pacman's bodyguard, and they are no longer going to monitor his off-field behavior. Essentially, they are no longer going to babysit this bully. They've slapped his hand, and slapped his hand, and slapped his hand. They've fined him hundreds of thousands of dollars for his behavior, but taking a pea out of the pea patch, well, it hardly makes a difference.
The line in Vegas is that Pacman won't make it to the end of the season without spitting on some unfortunate woman. My bet is that he can't do it either, but I don't think he should have another chance.
They've reinstated him just in time for Thanksgiving, but he cannot play until the game after Thanksgiving. Boy, does Pacman have a lot to be thankful for. Can you imagine Pacman sitting at your table for Thanksgiving dinner? "Look, Pacman just spit in Aunt Millie's mashed potatoes, he puched Uncle Buck in the ear, and offered Sister Sally $80,000 to slide down the banister in her robe, at gun point no less."
Let's switch gears for a moment; all this criminal talk is starting to wear on me. It has long been my opinion that professional athletes are, and always will be, role models for young people, contrary to what Charles Barkley once said. "I think the media demands that athletes be role models because there's some jealousy involved. It's as if they say, this is a young black kid playing a game for a living and making all this money, so we're going to make it tough on him. And what they're really doing is telling kids to look up to someone they can't become, because not many people can be like we are. Kids can't be like Michael Jordan." Well, I disagree. Kids can be just like you, Chuck.
During one of Barkley's less memorable moments after a poor performance, upset by a heckler's remarks, Barkley turned to spit on the man, but, as he later described, did not "get enough foam," missed and mistakenly spat on a young girl. Barkley must have been Pacman's mentor. I have to ask again, "What is with all this spitting?"
Now, let me tell you about an athlete that I would love to have sitting down to Thanksgiving dinner with me. I could hear him at the table now: "Gee, there's only one olive left, Aunt Millie, please, be my guest. Uncle Buck, how about a nice game of gin rummy after the pumpkin pie? Sister Sally, that dress looks so beautiful on you."
You see, this is J.P. Hayes, a professional golfer with integrity, and a deep respect for the game which the Lord gifted him with. While competing in the PGA Tour Qualifying Tournament, one that allows him to play more tournaments in 2009 if he finishes well, he, not an official, noticed he was using a ball that was not listed for competitive play by the United States Golf Association. After a shot to the green went astray, J.P.'s caddie had inadvertently grabbed a different Titleist ball from his bag and Hayes hit the ball onto the green. When he went to mark the ball, he noticed it was a ball not allowed in tournament play.
Hayes went to a tournament official and owned up to the mistake, and carded a two-stroke penalty, and essentially sent himself to the unemployment line in 2009. He didn't punch his caddie in the nose, he didn't spit on the tournament official, he simply played by the rules. Hayes didn't have to say a word, no one would have noticed, or cared for that matter. That is what we call integrity, and taking responsibility for one's own actions.
For J.P. Hayes, it wasn't about the money, not about seeing his name on the leader board, and not about himself. That's the difference between demanding respect and commanding respect. J.P., you have my respect, now go out there and challenge that guy Tiger, but first, pass me that turkey wing if you wouldn't mind, as long as Aunt Millie is done, of course.
In closing, I hope everyone had a happy Thanksgiving regardless of who was at the table, and I wish you continued joy in the coming holiday season. Enjoy your family, friends, and food.