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Case Study
On 21 June 2002, the Forced Migration Online (FMO) Digital Library was launched by the Refugee Studies Centre, Queen Elizabeth House, University of Oxford. The FMO Digital Library has made available an initial tranche of c. 3000 documents of unpublished (grey) literature on forced migration and refugee issues, items ranging from one to 700 pages in length, giving a total page count of around 70,000 pages. The documents cover the last 40 years, and most of the material derives from the unique collection of some 15,000 items of grey literature available at the RSC library in paper form. The digital collection covers most regions of the world, and most topics that make up the diverse subject area of refugee studies. Also available in the digital library is a smaller collection from the Feinstein International Famine Centre at Tufts University, which deals mostly with famine and nutritional issues. After carrying out a feasibility study and a number of pilots, Olive Software's ActivePaper Archive was chosen to deliver the digital library, and has already proved an excellent tool for our purposes.
The Document Collection
The materials in the collection derive from a wide variety of sources, and are in different formats and conditions. Grey literature is a crucial source of information in subjects like refugee studies which are relatively new, interdisciplinary by their very nature, and concerned with practice in humanitarian assistance as well as with academic study and reflection. Twenty years ago, when the RSC was established in Oxford, there were very few books and journals that dealt with this subject area, and much valuable data was only accessible in unpublished sources: reports from intergovernmental agencies such as UNHCR, or from NGOs, and in conference papers and a range of other personal communications written by individuals. The RSC therefore began to collect this literature, catalogue it, and make it available to a wide range of scholars, students and practitioners—most of whom travelled to Oxford from all over the world. An online catalogue was produced in 1995. Realising the value of the collection, in 1996 the Andrew W Mellon Foundation and the European Union granted substantial sums of money for digitization to make it more widely available. The Digital Library project began in 1997.
Production of the Digital Library
Copyright clearance
The greatest problem is such a modern collection is of course that every item is in copyright. One of the first tasks to be embarked upon therefore was the investigation of the copyright issues, and the establishment of a workflow process to clear copyright and produce a full audit trail of the copyright clearance activities for future queries. This involved a mixture of legal consultation, technical development and sheer hard work. Mostly, individuals and organisations were very willing to allow us to use their materials, but given the sensitivity of the subject area, there were some items that we were unable to make available. The two biggest problems with the copyright process were the time everything took, and the difficulty in actually locating the copyright holders. Individuals in particular were hard to track down, as people working in this field are often highly mobile: humanitarian assistance requires aid workers to go wherever the current crises may be. For some, there may have been a period of more than 10 years from when they donated a document to our collection to the point where we were seeking permission to scan, and they might have moved three or four times. Some authors never responded at all, and so we have proceeded cautiously with making their materials available. In UK law, having made every effort to secure the rights, we are able to put the documents on line with suitable disclaimers about ownership. In order to ease the workflow process, and to enable us to record all the transactions in detail, we produced our own copyright clearance database in MS Access. This has been working smoothly for more than three years and a number of other projects are now also using this.
As the copyright process took much longer than we had ever envisaged, this therefore held up the scanning process considerably. This also meant that we incurred higher costs: we did not actually pay for any permissions given that the materials are unpublished, but the costs in staff time, printing, postage etc were considerable. Now that we have good systems, trained staff and smooth-running workflow process, ongoing work on copyright will (hopefully) be easier. A fuller account of the copyright process can be found in RLG's Diginews at http://webdoc.gwdg.de/edoc/aw/rlgdn/preserv/diginews/diginews4-5.html#feature1.
The digitization process
The RSC collection is highly diverse, and consists of pamphlets, newsletters, theses, reports, faxes, letters, and other kinds of unpublished documents. Our first task in deciding how to scan this and make it available was to survey the materials and see what issues and problems might arise. A feasibility study was therefore carried out by the UK Higher Education Digitisation Service (HEDS) to assay the formats, typestyles, bindings, colour/greyscale content and condition of the collection. Some 800 documents (selected randomly but at regular intervals from the collection to provide a representative sample) were inspected and a range of features recorded. From these documents, a subset was chosen for sample scanning. The subset represented the full range of conditions (excellent, good, fair, poor), and a range of features - text only, greyscale content, colour content, difficult type styles. Sample pages were scanned at 300, 400, and 600dpi, and at a 1, 8, and 24 bits. These samples were examined carefully and compared with the originals so that benchmarks could be established. From this process we derived our standard scanning parameters: the majority of our documents turned out to be black & white typescript in good condition, and are scanned at 300dpi bitonal. If there is greyscale or colour content, this is scanned at 8 bits. Note that we are not aiming for fidelity to the original, but at accessibility of the content. We decided that for the content we have and the audience we are serving, little is added by presenting the colour content (which is very limited) in full colour, and much is lost in terms of performance, given the file sizes that 24 bit scanning creates. Documents in poorer condition are scanned at 400dpi. We have never found it necessary to scan at a higher resolution: the resolutions chosen give acceptable readability of even the smallest significant features, produce excellent OCR output, and also give good quality printed output.
All scanning is outsourced to HEDS, who also carry out the QA process. Document preparation takes a significant time, given that detailed inventories of every page sent need to be produced. After scanning, the documents are reintegrated into the paper collection. Documents are disbound for scanning, then stapled together for return to the library. There is not felt to be significant artefactual value in the documents to justify the extra cost of non-destructive scanning. Images are captured as single TIFFs with Group 4 compression and provided to us on CD ROMs.
Choosing the delivery system
In 1997, when the development of the digital library began, there was no obvious candidate as a delivery system for the digital library: our hope was that one would come along as we went through the processes described above. When the feasibility study was complete, we decided to carry out a pilot project on some 200 documents. This was designed to help us establish our workflow processes in the selection, scanning and delivery of the documents, and also to test some candidate delivery systems. One huge advantage that the project started with was an online catalogue to the complete grey literature collection, produced over twenty years in the Cardbox cataloguing system. This has been available on the web since 1995 (see below for further details of this). Our main requirements for a delivery system were:
- It should be able to handle bibliographic records
- It should be able to perform full-text searching
- It should be browser-based with no plug-ins (if possible)
- It should be fast over unreliable links, given that we are delivering to the developing world
- It should use uncorrected OCR for indexing, and deliver the page image for reading and printing
- It should adhere to international standards
These requirements were a tall order back in 1997!
Five systems were tested in the initial pilot, two of which are still available for searching. Only one of these answered all the above requirements. These were:
1. OpenText (with the Bodleian Library)
The RSC library catalogue is delivered on the web using the OpenText retrieval system. Using techniques developed for the Internet Library of Early Journals (ILEJ) project, Richard Gartner of the Bodleian Library took our 200 pilot documents and attached them to records downloaded from the catalogue, with full text searching capability added. This is still available at http://rsc.qeh.ox.ac.uk/rsccat. OpenText offered good bibliographic support as well as full text searching, and it also allowed us to deliver page images. However, OpenText has not been supported by the company that produced it for some years now, and we felt that that was a major factor in our rejection of this as a route for our development. The system has now been adopted by the University of Michigan and is distributed by them as the DLXS system, but this development happened after our choice of Olive's ActivePaper Archive as our delivery system.
2. DBTextworks (with the Institute for Development Studies, Sussex)
The Institute for Development Studies uses the DBTextworks library software for delivering its ELDIS gateway to online information on development and environment. This has excellent bibliographic capabilities, and also allows fields with full text or images. They also took our 200 pilot documents and made them available at http://nt1.ids.ac.uk/eldis/rsp/rspsea.htm. The images are no longer available on this system as we have since moved them to another server, but the records can be searched. Bibliographic handling on this system was to our standards, but it performed less well with the text searching and image handling.
3. Muscat (with De Montfort University)
Muscat is a powerful text search system for full-text databases. It works on relatively poor OCR, and gives relevance rankings for searches, as well as opportunities to improve searches: the search engine automatically suggests words related to the enquiry and generates a more focused search. The system displayed excellent images, but they proved slow to download. It was also weak in bibliographic support.
4. Reachcast (with Tel Aviv University)
Reachcast was the precursor to ActivePaper Archive and was produced by IOTA software. It was developed for searching newspaper text, and gave excellent results for our text searching requirements, with the added value that hits were highlighted on the page—the first system we had seen that could offer this. However, the bibliographic support was poor, and it required users to download a proprietary browser, which proved very slow, especially over slow dial-up connections.
5. Olive Software's ActivePaper Archive
The pilots carried out above were completed by the end of 1999, and none seemed quite suitable for our purposes. Then at the end of 2000, we became aware of APA, which seemed to offer most of the features specified above: it has good bibliographic support, and also supports Dublin Core; it is XML-based so adheres to international standards; it has excellent OCR capability on even relatively compromised originals; it uses standard browser facilities and so doesn't require plug-ins (though for better printing, there is the possibility to download an Acrobat file), and it highlights the hits on the page. It is also fast, scalable, and performs as well with huge document collections as it does with small ones. We therefore chose this to deliver the system.
Developing the delivery system
ActivePaper Archive was developed primarily for the digitization of historic newspaper collections, and the FMO team worked closely with Olive and OCLC on the British Library Newspaper Pilot (see www.uk.olivesoftware.com). We therefore understood the potential of APA, but we were asking for something rather different. We wanted a system that would present our grey literature in a simple interface, with our catalogue records, and would also allow powerful and flexible searching. Based upon our pilots, we produced a detailed functional specification for Olive to work to in the production of the system. This was the first time that APA was to be used for collections other than newspapers, and so the Olive technical team worked closely with the FMO team in Oxford, and also with the technical partners at the Centre for Computing in the Humanities (CCH) at King's College London. OCLC had some technical input into the process, too. The development phase took around 9 months, with a preliminary release after three months to allow for testing and then two more releases before the final launch of the system in June 2002.
We are delighted with the system that we have produced—all the hard work has been worthwhile. Our users are also very pleased, and feedback is positive and constructive. We want to add content rapidly to the digital library, and also extend the range of materials we will have available: we are working with Olive at the moment on the addition of full back runs of key journals in the field of forced migration to the database. Forced Migration Online will eventually be a portal for the study of forced migration, with many more components: the full portal will be launched in November 2002 and will provide instant access to a wide variety of online resources concerning the situation of forced migrants world-wide. Designed for use by practitioners, researchers, policy makers, students or anyone interested in the field, FMO aims to give comprehensive information in an impartial environment and to promote increased awareness of human displacement issues to an international community of users. In order to achieve this, we work with a number of international partners, including the Feinstein International Famine Center and the Fletcher School of Law and Diplomacy at Tufts University; the Program on Migration and Public Health, Columbia University, New York; The Czech Helsinki Committee, Prague; and the American University, Cairo. With the help of Olive and OCLC, we will create federated digital collections from collections held by these partners and others, and make them available free for world-wide use.


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Earlier this year we were housesitting my sister's place. We are pretty lucky to be able to do this, as it is a pretty awesome place. When you stay there, it is just like being on holiday, so that is why we have nicknamed it 'The Resort.'
It has absolutely magic views across to the City, Mt Coot-tha and beyond to the Glasshouse Mountains on a clear day. Needless to say, when I go around to stay there, my camera always goes with me. My tripod also gets set up and doesn't move for the duration of our stay.
When we were there last, we got to witness some pretty spectacular sunsets. Word on the street was that is was due to ash and dust particles up very high in the atmosphere from a volcano that had erupted in South America a week or so earlier. I really didn't care what was causing it, it was beautiful.
In fact, on the first day that we arrived, we set ourselves up on the top deck with our beer and wine, and we just watched the sunset. That's right, we just watched it. Had our drinks. Had our peanuts and just watched the sky glow for what seemed like an eternity.
Thankfully for me, the conditions were similar, if not better the next afternoon. I couldn't pass it up two days in a row. So I grabbed my camera and tripod and went to it. Due to the distance to the city, I generally shoot with my 70-200 lens @ 200mm. Sometimes I'll even throw my 2x extender on as well for a bit more reach. The shot you see below is a big panorama, made up of roughly 18 frames.
The other image that I have always wanted to capture is a big star trail over the city.
I have tried this previously, but never had either the skills or the conditions to be able to carry it off.
This time, I think I achieved my goal, but not without a false start.
Two nights before my success, I had set everything up, taken my test shots, made sure that my settings were correct, taken my dark frames. Everything. I wanted my camera to be running for a minimum of six hours, so I knew that I would need fresh batteries. So after going through all my set-up, I pulled the old batteries out and replaced them with two fully charged batteries. I made sure I was extra careful not to bump focus or anything like that. I then grabbed my intervalometer and hit the 'start' button and walked away. I came back the next morning after waking up, eager to get the images on to the computer. I took my camera off the tripod and headed downstairs. It was at this point that I thought, "Did I turn the camera off just then?" My question was answered rather quickly when I removed the card from my camera and hooked it up to the computer, to only see about 15 shots on the card! After putting the new batteries in, I had forgotten to turn the camera back on!!! AAARRRRGGGGHHHHH!!!!! So no star trail!!!
Two nights later, I had clear skies again, so did everything I had done previously, except that this time I remembered to turn my camera back on!
What I ended up with was 374 x 1 minute exposures, so basically 6 1/4 hours of star trails over Brisbane City. The post processing of the image took about the same time, as I had to manually remove each plane trail individually to get nothing but the stars. But it was worth it!
A couple of nights later, I wanted to do another trail, and this time leave the plane trails in. So I set everything up again and let the camera go about its business for the next six or so hours.
Well, after putting that sequence together, I decided that I didn't like the look of the image. But what I did like was the frame that you see below.
It looks like Brisbane City took a direct hit from a meteor, with a bright green fireball appearing to be headed straight towards the CBD. I wonder where it actually landed?
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subset: commoncrawl


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The PureH2O PH21110 is the compatible replacement water filter for the Water Sentinel WF298. The PH21110 is a water filter replacement cartridge for refrigerators manufactured by GE, Sears/Kenmore, and Hotpoint. The PH21110 is designed to meet and/or exceed OEM specifications. This filter also utilizes advanced carbon block technology to reduce contaminants in drinking water.
Filter specifications:


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It looks like Samsung is in a hurry of releasing new smartphones in the market. Earlier it has launched two new models, Samsung A5 and A7 and now it has released a new Galaxy C5 pro in India. As the launch of new Samsung S8 is getting delayed, the South Korean company is looking to fill the gap with other smartphones. But it been a while since Samsung has released affordable smartphones and it continued its new era tech with high end specifications and features.
Samsung C5 pro has already released in China and got a good response from the customers. The new Samsung Galaxy C5 pro comes with a 5.2-inch display screen. C5 pro is powered by Snapdragon 625 octa-core processor which runs on a super-fast 4GB RAM. The sad news is, C5 comes with the old android version 6.0 Marshmallow.
The internal memory of Samsung C5 pro is 64GB and the good news is it can again be extended up to 256GB with an external memory card. It supports dual-SIM with 4G support. The battery capacity of Galaxy C5 pro may be disappointing as it comes with only 2600mAh battery and is the major flaw in the absolute classic smartphone.
Click here to buy Samsung Galaxy C7 Pro for low price
Also check : Samsung Galaxy A5 and A7 (2017) price, specifications and special features
But except with the battery everything is just perfect in the new Galaxy C5 pro as it has fantastic camera features. It has 16megapixels camera both at front and also at rear. You can experience a great picture quality with Samsung C5 pro camera. It is also integrated with a fingerprint scanner just under the home button. The Samsung Galaxy C5 pro is available in three color variants just like Galaxy C7 pro. The new C5 pro of Samsung will be available at a price range around Rs 24,000.


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Charlestown Ambulance-Rescue Service Charlestown Ambulance-Rescue Service
Here's a sample of our volunteer opportunities:VIEW AS
Mission Statement
Charlestown Ambulance is a volunteer, non-profit, community based public health service that efficiently provides and manages the integrated pre-hospital care system for the Town of Charlestown, Rhode Island. Our emphasis is excellence in patient care, volunteer/employee development and cultural diversity.
Charlestown Ambulance-Rescue Service provides basic and advanced life support ambulance transportation, medical incident command, community education, technical rescue services and special event coverage.
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A Scam Email with the Subject "NEEDS PARTNER" was received in one of Scamdex's honeypot email accounts on Fri, 14 Jan 2011 03:09:19 -0800 and has been classified as a Generic Scam. The sender was "email@example.com" <email@example.com>, although it may have been spoofed.
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Welcome to The ATAC E-Learning Continuing Tactical Education (CTE) Membership ONLY Area
How to navigate through the ATAC University Course Menu:
- Click on your required e-course from the menu below and start.
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ATAC E-Learning Land Navigation Course Menu below:
Land Navigation
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Sure thing, the most important factor that is elaborate while ordering drugs online is to make a good choice. Sometimes men who drink excessively like amphetamines find it difficult to get an hard-on and turn to erectile disfunction medicaments. So it's momentous to learn about the problem. Once men need medications to resolve sexual health problem. Below are a couple of tips about "Cialis". Now many patients search online for the exact keyword "Cialis" on the Web. A medical review about "Cialis" show that men's most common sexual problem is erectile malfunction. Mental soundness problems can dampen your interest in sex and can cause erectile dysfunction. Depression affects all phases of being including sexual soundness. Such problem is best drastic with vocational help, commonly through counseling with a certified health care producer. Your doc can can offer some treatments that is best for you and your associate. Not to mention that ordering any generics outside a having a good reputation pharmacy can be illegal.


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Shirley M. Decker, born June 3, 1943, passed away peacefully on March 4, 2017 at the Robert Packer Hospital.
She was predeceased in death by her mother, Ethel M. Wheeler, and father, Joh Wheeler, two brothers, Albert Allen, Jr. and Edward Allen. She was also predeceased by her husband of 42 years, Edward Merrill Decker, Jr., on Jan. 17, 2004; and a granddaughter, Jennifer Crystal Marie Waldo on Oct. 31, 2010.
Shirley is survived by her four children and their spouses, son, Edward and Pracilla Decker of Wasilla, AK, daughter, Jody and Jeff Caforio of Binghamton, NY, daughter, Suky and Thomas Schuster of Towanda, PA, and son, John and Jennifer Decker of Athens, PA. She has 11 grandchildren, Kira, Michael, Heather, Ashley and husband Shaun, Robert and wife Jennifer, Mark, Jr. and wife Whitney, Brandon and wife Maria, Rhys, John Michael, Stephen, and James. She has 16 great-grandchildren and many nieces, nephews, cousins, and finally, her companion of the last 13 years, David E. Glose.
In her earlier years, Shirley loved to crochet and tend her flowers. She was an avid animal lover. She loved her grandchildren and her family was precedent.
Friends and family may call on Saturday, April 1, 2017 from 2pm-3:30pm at the Waverly United Methodist Church, 158 Chemung Street, Waverly, NY. A Memorial Service will follow at the church at 3:30pm with the Rev. Anne Bey Canfield officiating. The family is being assisted by Jay E. Lowery Funeral Home and Cremation Services, Inc., Athens, PA.
Any memorial donations may be directed to the care of the Animal Care Sanctuary in East Smithfield, PA.
Phone: (570) 888-2368
225 South Main St.Athens, PA 18810Fax: (570) 888-5513Email: email@example.com


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'Dancing with the Stars': How Much People Get Paid
Many people love watching the popular dance reality show, "Dancing with the Stars" on ABC since it began in 2005. Some people have wondered how much the celebrities get paid for putting their own careers on hold to participate on the popular dance competition show. Neither the producers of "Dancing with the Stars" nor ABC executives have ever released any information on how much the participants of the hit dance show are compensated. However, this information is compiled from other sources.
Salary of Celebrities on 'Dancing with the Stars'
Sometimes the public finds out about how much celebrities dancers get paid. For instance, when minors go on the show, their contracts have to be approved by a judge. Shawn Johnson and others were minors when they competed. Johnson was 16 at the time, Zendaya Coleman was 16, and Cody Simpson was 17. Bendi Irwin's salary was also made public. Heather Mills' salary had to be disclosed when she went through a divorce from Paul McCarthy after she competed on "Dancing with the Stars."
The initial amount guaranteed for everyone who signs up is a base salary of $125,000, but that contract also included training for a minimum of 20 hours per week, which begins several weeks before to the season even starts.
If celebrities make it to weeks three and four, they get an additional $10,000 each week. For weeks five, there is an additional $15,000. For weeks six and seven, an additional $20,000 for each week is added. For weeks eight and nine, $30,000 for each week is added. If the stars make it to the last two weeks, they earn an additional $50,000 each week. That brings the total to a possible $360,000 for those who make it to the finale whether they win the mirror ball trophy or not.
It is interesting that all three contestants who make it to the finals get the same thing as the winner. The champion does not get any additional prize money for winning the competition. The second and third place finalists walk away with the maximum payout of $360,000 in addition to the honor of being a champion.
Initial Amount for signing up
Weeks 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
All three finalists get same amount
Week 12 - 3 Finalists
$360,000 plus mirror ball trophy
Salary of the Professional Dancers on 'Dancing with the Stars'
The salaries for the professional dancers are much less than for the celebrities. It was once reported that the pros made $1,600 per episode in the early days of "Dancing with the Stars," but now they can earn as much as $5,200, depending on their popularity. The veteran pros can negotiate their salaries because of their popularity. There's a good chance veteran pros like Derek Hough, Cheryl Burke, Karina Smirnoff, Tony Donolani, Mark Ballas, and Maksim Chmerkovskiy make a lot more than the newcomers.
What the professional dancers get for working two seasons a year on the popular reality dance show is a well-kept secret. However, there have been speculations about what they get. The professional dancers on "Dancing with the Stars" give up their lives for the show, working up to 10 weeks of air time, plus about a month of pre-season rehearsals.
Because of the success of the show, making $5,200 per week might be a low figure. The average professional dancer's salary is close to $100,000 for the full season and practice time. The A-list pros might get more. The only thing we know for sure is that the pros dance all the way to the bank. We must also remember that during the pros' off-seasons from "Dancing with the Stars," they have other gigs. Some of them have their own dance studios that keep money coming in.
Salary of Hosts on 'Dancing with the Stars'
Tom Bergeron and Erin Andrews are the currents hosts of "Dancing with the Stars." Bergeron has been the host since the show started in 2005. There have been four women hosts since the dancing competition show began.
According to reports, Bergeron, 61, makes $150,000 for each episode. His current co-host, Erin Andrews, 38, has a net worth of $20 million and an annual salary of $2 million. However, those amounts are not all from hosting "Dancing with the Stars." She earns most of her money for being a sportscaster.
Women Hosts Along With Tom Bergeron
Season 1
Lisa Canning
Seasons 2-9
Samantha Harris
Season 10-17
Brooke Burke-Charvet
Seasons 18-23
Erin Andrews
Salaries of Judges on 'Dancing with the Stars'
The three main judges who have been with "Dancing with the Stars" for all eighteen seasons are Len Goodman, 72, Bruno Tonioli, 60, and Carrie Ann Inaba, 48. The show is the American version of the British television series "Strictly Come Dancing" where Goodman and Tonioli are on both shows.
The regular judges are Len Goodman, who serves as head judge, Carrie Ann Inaba and Bruno Tonioli. Goodman was absent for much of season 19 and all of season 21. Julianne Hough, who was a professional dancing partner for Seasons 4-8, was added as a full-time judge on the panel for Seasons, 19-21, after having been a guest judge in the previous 2 seasons. She did not return for Season 22, but she returned for Season 23.
While no one knows for sure how much the judges make, it has been reported that they used to make $250,000 per episode up to Season 2. Then because of the popularity of the show, they each now gets $1.2 million per season. During the year, there are two seasons of "Dancing with the Stars."
Goodman and Tonioli reportedly get paid much less for judging on "Strictly Come Dancing" than for judging on the American version. When the judges, host, professional dancers and celebrities are not on "Dancing with the Stars," they have other jobs that help them keep dancing all the way to the bank.
Are you a fan of 'Dancing with the Stars'?
I use to love watching Dancing With The Stars. It was too much t.v. ad cut into so many other activities I love to do. Something had to give. I admire all the talent. I loved the way you compiled the information for this hub. Very clever and I am very excited to see more of your work. Have a peaceful and holy night.
This is very interesting information. Thanks for sharing.


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I had molding and casing on my stair banister and Windows repaired. Awesome service, professional and timely. Thank you!
These guys were great! They worked really hard from loading up the truck until the last bed was assembled. I highly recommend them!
Duran and his team were great. My mover canceled on me for a Texas to California move, 4 days before on New Years Eve. Scrambling, I made a post on Thumbtack (a service I had never used before). Needless to say, there was a lot of anxiety going into this move. Of all the inquiries Duran was the best on price and was the one to oversee ever aspect of my move. He worked with me in a small window on both delivery and drop-off in the metro areas of Austin and Los Angeles. He and his team were extremely professional and were able to assemble and disassemble my furniture without any problems. I would highly recommend using Duran and All Star for any moving service.
I originally scheduled an appointment with Vee for a home gym assembly and last minute requested him to arrive an hour early. Without a doubt, he arrived on the dot at the time requested. A+ for punctuality and responsiveness. He was very professional during the entire time and was very quick, yet thorough, on the job. I will definitely use Vee again for future assembly needs.
Richard did a great job installing my hardware for my kitchen cabinets. Will definitely try to use him again.
I have utilized All Done Assembly for a number of jobs within my home (i.e. Furniture assembly; picture hanging; curtain rod install; etc). Super pleased with all. Owner is professional. When you can't get it all done.... call All Done Assembly!
Daniel and his brother did an excellent job installing our kitchen cabinets, countertop and trim. He custom built a trim around an exposed duct for the hood and made it tie into the existing crown moulding. It took creative thinking and initiative to do that. He even added a hinge to allow access to the duct - just shows the thoughtfulness. He went the extra mile (literally) to pick up a cabinet to replace one that we ordered the wrong size and even helped me return the large cabinet that was the wrong size; and that was on top of picking up all of the other cabinets the day before. He also finished off the baseboard in the kitchen to complete it, even though it wasn't something we had talked about prior to starting the job. He was very accommodating, pleasant to work with, and gave good prices. He was also good about responding to texts and calls. He said he comes from a family of carpenters and the workmanship shows. Would definitely consider hiring him for future jobs.
He was great! He was really helpful, and very professional. Will definitely call him again for furniture help:)
Vzl did a fantastic job installing our Ikea kitchen. They were very professional and accommodating to all of my requests, and they were able to finish the project in half the time they had originally quoted. I absolutely love our kitchen and I would recommend Vzl to anyone in the Houston area looking for assembly and installation services.
Philip did a fantastic job with a huge variety of plumbing, assembly and electric tasks..very much professional..
Arrived on time, very professional, did a great job assembling the bed.
Efficient and respectful furniture assembly team - the team of two assembled my steel bed in under 30 minutes. They called prior to arrival and were very prompt. Would hire them again!
Minh came and assembled a whole house of furniture for me a couple weeks ago whenever I first moved to the Houston area. He worked quick and efficiently. He brung helpers with him to make the job a little faster and easier as well which worked out for me! Overall a good experience and he has my recommendation for anyone out there looking for an assembly man
Chris and his team were very prompt, polite, and prepared. They arrived on time with all the necessary tools and knocked the job out in a flash in 100 °F Houston weather. Talk about service! My children were so excited jump on their newly assembled trampoline. I will definitely keep Beast Assembly in mind for future jobs.
Even though it was a last minute request, Mr. Little came over and made short work of the tv stand assembly for my daughter.


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Buy the Right Tires for Your Porsche
Finding the right tire for your Porsche can be a challenge without the correct resources. At Porsche of Nashville, we provide the tools you need to find out which set to purchase. Our knowledgeable staff can make a recommendation, or you can search here on our website to find out which sets work for your model. When you've chosen the best tires for your model and driving needs, you can purchase them at competitive pricing. Plus, you may be able to find a way to reduce the cost of a replacement set with a parts special discount. Feel free to contact us with any questions you may have about tire selection.


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Photoshop Creative Photo Manipulation - The Polar Bears
make with Adobe Photoshop CC 2014
two bears. in the vast cold room. they typically have done. but cold man who does not have a spouse. full life in the freezing cold of the polar region exceeded. say never felt it. and. until now it remains so. My mate who on earth? whether she also felt cold like me? if he was good to me. I'm optimistic he'll be fine with the trip found me. I hope so.
Stock Images
Bear link
Lanscape link
Watch Video :
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would like to request a tutorial on photoshop?
send examples of design that you want to learn to e-mail me: email@example.com


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The campaign
The More Than a Cold campaign aims to raise awareness of bronchiolitis and educate parents. It is organised and funded by the biopharmaceutical company AbbVie and supported by Bliss, the British Lung Foundation, NCT, Tamba, Tiny Tickers, Tiny Lives and WellChild.
About AbbVie
AbbVie is a global, research-based biopharmaceutical company formed in 2013 following separation from Abbott Laboratories. The company's mission is to use its expertise, dedicated people and unique approach to innovation to develop and market advanced therapies that address some of the world's most complex and serious diseases. Together with its wholly-owned subsidiary, Pharmacyclics, AbbVie employs more than 28,000 people worldwide and markets medicines in more than 170 countries. For further information on the company and its people, portfolio and commitments, please visit www.abbvie.co.uk.
Bronchiolitis Awareness Campaign press office
If you are a journalist and would like further information, press materials, questions, images or have an interview request please use the form below.


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Subscribe: Apple Podcasts | Android | Stitcher | TuneIn | RSS
Imagine that you get called out and forced into retirement in your dream job… for what you ask?… for doing your job! Sounds insane yes, but it's happening in Hackensack, New Jersey. In this weeks stunning report on BLUE LIVES RADIO THE VOICE OF AMERICAN LAW ENFORCEMENT, Show Host Lt. Randy Sutton interviews NJ Attorney Charles Sciarra, the fiery former Prosecutor who is taking on the City on behalf of officers being coerced into early retirement simply because they were involved in a shooting. Every cop in America needs to be concerned because this could happen to YOU.
Also in this episode in his "View From The Blue" Lt. Sutton takes on ego driven celebrities like Kathy Griffin, Alec Baldwin and Ann Coulter. Does anyone believe these loud mouths and the rhetoric they spew?
For Further Insight:
Website: www.sciarralaw.com


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Cute Kitchen Decor
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mentally keen; clever; shrewd
As noun
the cutes, Informal
self-consciously cute mannerisms or appeal; affected coyness:The young actress has a bad case of the cutes
As Idioms
meet cute, Informal
(of a romantic couple) to meet for the first time in a charming or amusing way: In this type of movie the boy and girl always meet cute
Also, meet-cute
a situation or occasion when potential romantic partners meet for the first time in a charming or amusing way: a classic Hollywood meet cute; his meet-cute with Jane in the bookstore
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culinary department; cuisine:This restaurant has a fine Italian kitchen
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As adjective
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employed in or assigned to a kitchen:kitchen help
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As noun
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Thanks to the cameras in smartphones, human beings may be taking more photographs than at any time in history. Certainly, the Internet is providing an easier way than ever to share pictures around the world.
Many of these pictures are the ever-popular "selfie," short for self-portrait. The idea of using a digital camera or phone to take a picture of oneself has become so pervasive that "selfie" was the 2013 Oxford Dictionaries Word of the Year. Most selfies are innocent enough. The picture taker wants to show themselves at various locations to inform and impress their social media followers.
In other cases, people take sexually suggestive or explicit pictures. If the subject of a sexual photograph is a minor, the person who took the picture will probably face criminal charges if caught.
So too will a person accused of possessing the image. Federal authorities routinely charge people with obtaining or possessing images of child pornography from the Internet.
The defendant may be an adult, or a minor like the picture's subject. Far from the image of the typical child pornography defendant, a teenager who takes a picture of a boyfriend or girlfriend may find themselves in serious legal trouble. Say that teen shares the photo with a friend, who in turn forwards the picture to a few others. Both teens could face child porn charges.
From this example, it is easy to see how someone might unwittingly end up arrested on highly grave charges. A conviction could have lifetime consequences, so it is important to have a criminal defense attorney to protect your rights.


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Co-op Classes
At Morrow, the school is always buzzing with three co-operative classrooms running in the morning and three classrooms in the afternoon. Each class has up to 12 students with both a dedicated teacher and a parent serving as the class aide. In addition, optional enrichment classes are run during the lunch break in between.
A typical day at MMPS
Greeting, free play,
creative work
Conversation, story
time or music
Music, conversation
or story time
Active play
(outside or inside)
2-1/2 year-old classes
(Child must turn 2 by March 15th)
9:00-11:30 AM, Tuesday and Friday, 2 classes
This is the first school experience for many children. This class focuses on socialization, learning to trust other adults, experiencing routine and expanding their world outside family and their home. As the year progresses, children also build excitement for graduating on to the 3s.
3-year-old classes
(Child must turn 3 by October 1st)
9:00-11:30 AM, Monday, Wednesday and Thursday
(2 classes)
12:30-3:00 PM, Monday through Thursday
In the 3s classroom, children begin to explore outside the school setting and visit the local community through walking trips to the dentist, pizzeria and even apple picking. Curriculum follows the seasons, as well as sections on colors, shapes and recognizing names. They also have yoga twice a month in the classroom. As the year progresses, most children transition out of parallel play and develop stronger social skills.
4-year-old classes
(Child must turn 4 by October 1st)
9:00-11:30 AM, Monday through Thursday
12:30-3:00 PM, Monday through Thursday (2 classes)
The 4s classroom combines a greater exploration of the world around us along with more traditional skills to prepare for Kindergarten. Field trips include a local farm, the planetarium, the Trailside Museum, as well as walking trips into Maplewood Village. In the classroom, children will practice letters and language including the Handwriting Without Tears program. They will do counting, the calendar, as well as learn their address and phone number.
Enrichment classes
The 3s and 4s can participate in a variety of after or before school programs to complement our curriculum.
Soar with Fours!
This class offers a combination of math, science and dramatic arts/literacy building. Each session will be taught by our Morrow Preschool 4-year-old teachers with a different area of focus each week. There will be science experiments, hands on math activities and dramatic play. We will explore these areas in more depth than in a regular school day.
Lunch Together is a once a week program provided for those who would like their children to share lunchtime with their peers in a safe, friendly surrounding. Children bring their own lunches and drinks to school and eat in the lunch room where they socialize with friends and listen to a story while they eat. Each session includes a period of supervised physical recreation in the outdoor playground or, in inclement weather, in the inside play space.
Exploring Through Art
A 30-minute weekly art class preceded by lunch brought from home.
This program focuses on "process art," which engages children in experimentation and develops a sense of wonder and play. Children are encouraged to value their own ideas, discover their capabilities and the joy of creating. Students will be introduced to a variety of art materials and processes, as well as develop a visual language.
Teaching artist Amiee Mower Lally is a current Morrow parent. She has been teaching art to children as well as adults for the past 15 years. She has taught and curated exhibitions for the Guggenheim Museum and the Queens Museum of Art.


text: Have you ever wondered if modifying in-app offer descriptions or ad placements in your app would boost conversions? Or whether modifying the difficulty in a particular game level might boost user engagement and retention? You can test these hypotheses, and many more, with A/B Testing for Apps. Learn how to run experiments in your Windows […]Read More


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Our Elders are elected according to the requirements of the office listed in 1 Timothy and Titus. The Bible teaches us that their purpose is to shepherd the entire church and one another as a loving shepherd would tend to his flock. The Elders meet with the ministers to cast the vision for the church and to shepherd and pray for the body of Christ at GrandView Christian Church (GVCC).
Tom Moody
I was born in Boulder, Colorado in 1956 and lived most of my life in the Denver area. In 1976, I began working at Auraria Higher Education Center (home of Metro State Community College and UCD) in their grounds maintenance department. During this time, I met my beautiful wife, Cindy and we were married on December 30, 1999, in Security, Colorado. Cindy and I have 3 boys and 4 grandchildren. In 2008, I retired from Auraria Higher Education Center, with 30 years of service and Cindy and I moved to Penrose, Colorado. In 2013, we joined GrandView Christian Church. I am currently working part-time, as the grounds keeper, for the Four Mile Ranch and Golf Course.
I have been an Elder with GrandView for the past 2 years and my ministries include; working as a sponsor with our youth groups, leading a weekly Life group and participating in a weekly Triad/Bible study. I am a good listener and continually pray for our church families and their life situations and the growth and outreach of our church.
Dave Marshall
I was born and raised in Canon City. After graduation from High School, I attended Pikes Peak Community College, where I received a degree in Fire Science. During this time I met Allison and was hired by the Canon CIty FIre District in 1979. Allison and I were married in 1980 and we have three wonderful children and 5 precious grand-children. I am currently a Battalion Chief with the Canon City Fire District. I also teach EMT, part-time, for Pueblo Community College and in the summer months, I do custom farming for various people.
I have been an elder with GrandView, for the past 7 years. Some of my ministries include, praying for and overseeing the health and well being of our congregation, supporting our minister and helping in areas that I can, such as; mowing the church lawns and working in the church sound booth on Sunday mornings.
Les Nichols
I was born in Haskel County, Kansas in 1945. I met my wife, Sondra and we were married September 26, 1965 at the Pleasant Prarie Church of God in Satanta, Kansas. We have two sons. In 1979, we moved to Garden City, Kansas, where I worked for Bell Telephone for 21 years, retiring in 2001. After retirement from Bell, I took up farming, part time and then started driving trucks from 2001 - 2010. In 2011, we moved to Canon City and joined GrandView Christian Church.
I have been an Elder with GrandView for the past 4 years and my wife and I lead a Life group and a small Bible study, once a week. As a retiree, I try to be available to help wherever and whenever needed, such as; visiting the home-bound members or those who are sick or in the hospital. I also pray for and help oversee the church congregation.


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We had fierce winds, torrential rain and absolutely no complaints. Hannah and Michael just became the most easy going and relaxed couple I know. Hannah had told me earlier that day that she had been looking forward to their engagement session for a while. On our drive down to French Beach, the rain wasn't letting up, yet they never once asked me to reschedule. They knew just as well as I did that we were in for some miserable weather and believe it or not, rotten weather makes me smile. It brings a whole new life to the photographs.
If this is how incredibly happy you two are on a rainy Vancouver Island day, I cannot imagine the amount of joy that will be present on your wedding day. Looking forward to spending it with you! Much love -KBxoxo
Be sure to follow my Facebook page or Instagram @kristenborelli for the latest with KB


text:
Question about 1999 Mercury Cougar
When you turn the heat on and leave it on the snowflake turns red. What does this mean? I just bought this cougar? If you know what the other lights mean I would appreciate to know what they mean too ? THanks
Posted by ericacouchrh on
but my one light looks like a motor or sumthing??? its the lowest one on the left side of the dash and its ALWAYS lit up
I have a '99 Mercury Cougar & I've been read somewhere that the snowflakes have to do with the outside temp. & traction. I think it's warning you that it may be slippery or icy. I've noticed that when it's +3 to about -2 or -3, the yellow snowflake shows up. Any anything colder than -3 shows the red snowflake. The other lights: the wrench comes up in yellow. That one has always turned on after a certain amount of km's & it's advising you that your car needs a check-up (that's when I know I should look into getting an oil change). You can turn this light off by holding down the two buttons above & below the 'clock' button. Hold them down together for at least 5 seconds & that wrench light should go off. Otherwise, there is a light for checking your breaks (upside down exclamation mark), low windshield fluid. I can't think of any other ones but I hope this helps.
Posted on Nov 19, 2008
Hi. I also have a 1999 Mercury Cougar. The snow flake light is for the temp outside. When it's 40 degrees outside the light will be yellow. When the temp drops to 32 degrees the light turns to red. The yellow is to caution about possible ice. The red means freezing temps.
Posted on Dec 05, 2008
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
Hi there,
Save hours of searching online or wasting money on unnecessary repairs by talking to a 6YA Expert who can help you resolve this issue over the phone in a minute or two.
Best thing about this new service is that you are never placed on hold and get to talk to real repairmen in the US.
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Good luck!
Posted on Jan 02, 2017
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AVIM Family
- Products
- Connectors & Adapters
- Standard Connectors
- AVIM Family
AVIM Family fiber optic connectors
After 25 years, the Diamond AVIM connector is joining forces with new AVIM products to become the AVIM Family. Designed and developed for applications that require high optical performance, coupled with vibration and shock enhanced resistance.
The new AVIM Family is comprised of the products shown in below photo.
In addition, all of the AVIM mating adapters and accessories, such as hybrid mating adapters, Interface Modules (IMOD) or multipurpose adapter systems (MAS) are now part of the AVIM Family.


text:
Under Contract. Best and most competitively priced home in Country Club Shores at $328/PSF! This home has been expertly renovated and is perfectly situated on deep canal water within the South Longboat Key community of Country Club Shores. The bright, open floor plan captures the natural light throughout the home and maximizes water views. The updated kitchen showcases newer stainless steel appliances, a large center island, custom wood cabinetry and granite counter tops. Adjacent to the kitchen, the formal dining room overlooks the water and comes complete with a wet bar, built-in buffet and wine refrigeration. The master suite offers water views, a private terrace, a walk-in closet and a luxurious master bath with a Jacuzzi tub and frameless shower. The ensuite second bedroom has water views, an updated bath and is located on the opposite side of the house from the master. The third bedroom is currently being used as an office and opens up to the pool. The hardest part of entertaining will be deciding whether to take a dip in the solar heated pool with privacy wall, gather in the large waterfront game room for card play, stroll across the street for a beach day using the deeded beach access, or to take out the boat for a day of fishing and water sports. These are the hard decisions one must make when living the Longboat Life!
Property DetailsContact Addy-Wittig
- Listing Price: $899,000
- Address: 541 Putting Green Lane
- City: Longboat Key
- State: FL
- Zip: 34228
- Square Feet: 2741
- Bedrooms: 3
- Bathrooms: 2
- Virtual Tour


text:
Pick of the Week — Some Mormons Search the Web and Find Doubt (Laurie Goodstein, NYT)– Probably not very interesting to some, but nothing else has generated more conversation in my circles.
Trayvon Martin and the Aftermath
After Zimmerman verdict, Obama needs to speak about racism (Janet Langhart Cohen, WaPo)
The Truth About Trayvon (Ekow Yankah, NYT)
How Stand Your Ground Relates to George Zimmerman (Ta-Nehisi Coates, The Atlantic)
Trayvon Martin and the Irony of American Justice (Ta-Nehisi Coates, The Atlantic)
The verdict on American racism (Keeanga-Yamahtta Taylor, Socialist Worker)
Thank You for Using the Internet! We Regret to Inform You that Your Free Trial has Expired. (Charlie Warzel, Buzzfeed)
How Intellectual Property Reinforces Inequality (Joseph Stiglitz, NYT)
Being Legal Doesn't End Poverty (Jennifer Medina, NYT)
The Lessons of Belle Glade (Cindy Hahamovitch, NYT)
Serendipity and Samples Can Save Barnes and Noble (Virginia Postrel, Bloomberg View)
We have to step in and save Detroit (Steven Rattner, NYT)
Health Care
Special Deal (Haley Sweetland Edwards, Washington Monthly)
Teacher Training Programs Need a Reboot (Jane Dimyan-Ehrenfeld, WaPo)
Dzhokar Tsarnaev's Face and the Power of Images (Paul Waldman, The American Prospect)
I oppose tax breaks for marriage–why should I subsidize other people's weird lifestyle choices? (Laurie Penny, The New Stateman)– With tongue planted firmly in cheek, I think…
Fired for Being Beautiful (Michael Kimmel, NYT)
Let's enact a new Voting Rights Act (Norman Ornstein, WaPo)
Welcome to the Future of Voting Rights (Abby Rapoport, The American Prospect)
When Prisoners Protest (Wilbert Rideau, NYT)
Why I stood up for Texas women (Wendy R. Davis, WaPo)
Why Men Need Women (Adam Grant, NYT)
The Glory of God is (Not-Too-Much) Intelligence (Kaimi Wenger, Times & Seasons)
Spencer W. Kimball, Sam Walton and Christian Leadership (J Stuart, Juvenile Instructor)
For a New Approach to Iran (William Luers, Thomas R. Pickering and Jim Walsh, NYRB)
The slowing of two economic giants (Pranab Bardhan, NYT)


text:
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The great lie of the web is that we all "agree to the terms and conditions" when buying or downloading things. Most people don't bother to look at the T&Cs, much less read them in detail.
As such it is often the case that customers are not aware of certain terms that can come along and bite them on the ass.
A case in point is Ladbrokes Poker, which sent me the following email yesterday:
My initial reaction was outrage. That was swiftly followed by utter outrage.
I checked out the Ladbrokes terms and conditions. Here's the offending clause:
15.3 . If you do not use your account to carry out any betting activity for a period of 12 consecutive months, such account shall be deemed to be inactive ("Inactive Account").
15.4. Any Inactive Account will be charged an administration fee (the "Inactive Account Fee") in an amount of £2 (or currency equivalent) or 5% of the balance of the account on the date the account becomes an Inactive Account (whichever amount is greater). Subject to clause 15.5, the Inactive Account Fee shall be deducted from the Inactive Account at the end of the day the account becomes an Inactive Account and on the first day of every following calendar month.
15.5. The Inactive Account Fee will be deducted until the earlier of: (1) the account balance being reduced to zero; or (2) the account being reactivated by you using the account to carry out betting activity. In each situation the Inactive Account Fee shall cease to be deducted.
15.6. We reserve the right to close any Inactive Account whose balance has been reduced to zero for a consecutive period of 6 months.
As a persuasion tactic this sucks and is borderline unethical considering that it relates to gambling.
I can see no good reason for charging customers an 'administration' fee for dormancy. Terminating dormant customer accounts might be a smart idea, as far as data cleansing is concerned, though that assumes that they cannot be reactivated. But this isn't termination, and it feels pretty close to blackmail.
The thing is, I can't actually remember using Ladbrokes to play poker, as it was so long ago. I dug up my details and logged on, to a) see if had any money in the account, and b) close it down, on the basis of this ridiculous email. My account balance is £0.00 (and based on the above terms I shouldn't have been notified of a charge, precisely because my account is at £0.00). I have written to Ladbrokes to ask it to terminate my account. Way to lose a customer...
The back story is that I joined on 24 March 2008. Ladbrokes allows you to search through your account history, but only as far back as 1 January 2010, for bewildering reasons. I haven't used the account in that period, and I'd wager that I didn't use it in 2009 (I've asked the question). Which begs the question as to why I'm suddenly being pushed for a £2.00 inactivity fee in March 2011. I'm wondering whether the fee was introduced in November 2010, when I received an email notifying me of changes to the T&Cs. Hmmm.
Ladbrokes isn't alone in employing this low-rent fee as a wacky customer retrieval / removal tactic, but it's certainly the first time I have had the misfortune of being on the receiving end of one. It's not about the money, you understand. It's about the shakedown. Credit cards and banks
So I guess by responding I've helped it to improve the health of its customer database, though for a measly £2.00 Ladbrokes has left an indelible stain on its brand. I won't be back.
I think we need a new metric for the opposite of customer retention; something along the lines of 'ex-customer lifetime avoidance'.
Three incidental points:
- The site's security certificate is not trusted.
- Using a 'noreply@' email address suggests that you are doing customer services all wrong.
- Before you say "Ah, but clearly this tactic works based on your response" please note that I only responded to this in order to write about it. Ladbrokes would otherwise be whistling for its fee…
What do you think? Is it just me that thinks this sort of thing is totally counterproductive, borderline unethical and downright offensive?
Comments (46)
I got this email too. And the same from Betfair a couple of month ago. I couldn't remember my Betfair login, they make it a pain to get a reminder, so I just cancelled my account, whatever it might have been.
I couldn't quite beleive my eyes when I read this. An "administration fee" for doing NOTHING!
This is on a par with Ryanair's recent cookies scandal.
Why to so many companies think they can use the web to blatantly rip us off and expect to get away with it?!
I had exactly the same thing from Betfair poker today. Instantly cleared out the account and won't ever use them again.
Way to go, idiots.
That is awful, they can consider me and im sure many others as customers lost! Thanks for making this public!
Got the same e-mail, will terminite my account. Ladbrokes are going for negative PR with this move.
@Ladbrokes. You are driving customers away. Not only directly, but probably some of these accounts are dormant because people changed email account and they have an active account at their new address. How are they going to feel?
You know what a competent online vendor could do? Send special-offer coupons to re-engage the dormant customers.
"I'd wager that I didn't use it in 2009" - oh, the irony.
/scurries off to find out if he has a Ladbrokes account & empty it if necessary.
Wow this is scandalous!
"or 5% of the balance of the account"
if indeed you had a fair bit of money in there and didn't successfully receive the email (i.e. "junk" mail), we could be talking some serious wad!
They don't actually 'charge' you anything though, do they? Nothing comes out of your pocket. If you leave funds in a dormant account, they will eventually (after 12 months) start to slowly deplete them until the account balance reaches zero, then they will close the account.
They're a bookies, not a bank. You can't expect to use them to store funds indefinitely. That surely DOES cost them money, administratively, as well as entering them into potential legal areas where they would need to fulfil money laundering laws, more stringent ID checks, etc that banks are required to; I can see why they would want to avoid it.
And while one may argue it's a way to inflate profits by reclaiming money, they're not exactly being sneaky about it. They contacted you 28 days in advance to let you know; you could have drawn the balance of the account out there and then and lost nothing. Then they would deplete the balance by 5% / £2 over a number of months, leaving you ample time to log in and claim back the lion's share of your balance.
In your case, you would have had 7 months from this email (28 days before your account was marked inactive, followed by the 6 months granted by clause 15.6) where literally nothing would have changed, then they would have automatically closed your account.
I think you're being a bit heavy handed about this particular case, TBH.
Glad (kind of) that I'm not alone. It's a bonkers strategy. Maybe somebody will come along and explain it. Seems to be no more than a way of driving up profits by chipping away at quiet accounts with money in them. Since I know that my account has been at a £0.00 balance for almost 16 months I'm wondering why Ladbrokes didn't just terminate it.
@Rob - couldn't resist that one ; )
@Pete - that's absolutely it. Incentives always beat penalties and threats. Ladbrokes is offering a "welcome bonus" of up to £675 for new poker players. Shows you where its priorities are.
@CheShA - Good points. I just don't think this is a good way of going about reactivating me as a customer. Based on your points, some questions...
1. My account has been inactive and at a zero balance for *at least* 16 months, so why not terminate it?
2. Why did Ladbrokes send me the email if I'm at a zero balance and isn't going to charge me anything?
3. I appreciate that it isn't a bank but it's not offering credit and is sitting on unused / dormant funds - not exactly sure how that is a cost to the business?
Not trying to be heavy-handed for the sake of it. I just think this is a myopic tactic that leaves a bad taste...
Got the same email. Same scenario. Except I logged in to find I had £2.90 (woo hoo!). So I went mad and put it all on India to score a 4 in the next over. But they hit a sticky patch and I blew the lot :(
So Ladbrokes now have an additional £2.90 in the short term. And one less customer in the long term as I also decided to close the account. Hmmmn.
With a little less emotion, this would be a valid article about poor customer service and brand engagement.
As it is, it comes across as ranty and bad tempered, and the use of a prominent blog to publicly criticise and lambast a company for exercising the right under its Terms and Conditions that you did accept.
I think this post de-values what is generally speaking a very good blog with directly relevant, insightful and useful information.
Just my 2 cents (or £2.00).
O.K, here's the last word. I work for Betfair (name above is not real!) and was involved in the recent inactive account charge being implemented.
Firstly, we did it because everyone else does. No, that won't placate you but a couple of the posts above have mentioned that online gambling companies aren't banks and that's quite right. There are overheads involved in keeping that collective amount of money safe on your behalf. It certainly doesn't cost nothing to administrate. Additionally, customer funds have to be (by law and for regulatory compliance) ringfenced which means if the company goes bust you still get your money. Unlike, say an Icelandic bank. Anyway, some accounts had literally thousands hidden away from the tax man, ex spouses and so on. Bear in mind, with reference to Betfair, 'inactive' means 13 months or more of doing nothing. Not just not betting, not even logging in, so why should a public company have to shelter those millions indefinitely for no return?
Equally, we had to tell hundreds of thousands of people they had money in their account. Have you considered the flipside of that? Many of those accounts were registered around the grand national or a major football competition and had unclaimed winnings...those people were pretty pleased to get their email and nice, unexpected windfall.
Also, and I can only speak for Betfair here, whilst the fee does filter in the main to the bottom line, it's only when the fee was first introduced that it amounts to a large amount of money (in PLC terms at least)...going forward the sums will be much more in line with what it actually costs to administrate dormant accounts.
But of most importance is that the charge is meant much more to win customers back - Betfair only take the charge if you stay inactive. And you can become active simply by logging in....you don't need to place a bet or spend a penny. In fact you log in, withdraw half the balance and leave the rest for another 13 months when you're account would become inactive again. And even if you do incur the fee, you can claim up to six months of it back as soon as you log back in.
So, whilst I understand a lot of what's been written above my comment, I hope this sheds an alternative light on the situation.
@Ed - I set this blog up in 2006 and we do a strong line in ranty, bad-tempered posts, among our more insightful, balanced articles. I encourage writers to emote, and to write with passion. Occasionally I / they will overdo it.
@Jim - Great to hear from you and to understand your position. You make some very interesting points (taxman / divorce lawyers etc). I ultimately think that there are better ways of reactivation a customer without damaging perception of the brand. Of course if you're telling people that they have funds then that's going to put smiles on faces, so yes, there's a flipside to consider. Thanks.
I work at Ladbrokes.
Jim is bang on the money - not much more to add. I was not involved in the decision to implement charges for inactive accounts so cannot comment on why we went ahead (can only assume the same reasons as Betfair)
The only this I would change and will be on to those responsible to change is the negative balance. That, I feel, is OTT.
I cannot see this as a way of reactivating a customer though. As you say the are better ways with positive messages which do not damage brand perception.
Recieved the same email today re account.Kind of understand the Betfair guy's point but not for accounts in the black and will be closing my +ve balance account (and hopefully getting my money back) today. They've kind of shot themselves in the foot.
Ladbrokes won't miss me. There is only £4 in my account.
Unfortunately this is below the minimum £5 which can be withdrawn.
I have written to ladbrokes to tell them that I wish to withdraw MY money and close the account.
Rubbish customer relations. Changes to t&C NOT agreed to by customer at sign up.
Got the same email today - logged into my account to see I had 1 pound lying dormant. Seeing as the minimum withdrawal is a fiver I thought bugger that, and stuck it on a long shot in the 2:50 at Catterick.
Gee gee comes in a winner and I take my £13 and close the account!
Bye bye Ladbrokes, you've lost another customer...
@Peter - Good to hear from you too. All of Jim's points make sense, I guess it's just about how customers like me perceive this kind of messaging.
So was this clause added at some stage, maybe in November 2010? I wouldn't have spotted it when signing up, I just wonder if it was added after March 2008?
Yep, got the same email through. Somebody has dropped a serious bollock on this one as I'll certainly never use them again.
I managed to withdraw my paltry sum (by depositing more first to take it over the minimum...)
I want to close the account but don't like the idea that "the account can be reactivated at any time".
Do I have the right under Data protection to demand that my details are deleted from their system altogether?
great explainations.
i googled this to see if hoax.
simple - ive logged in and closed my account.
not a company i want to do business with.
sorry don't believe the reasoning!
I just found the same e-mail in my junk mail, my initial thought was that it was a hoax, it was so unbelievable! But then I logged in, and found the same message there - I've withdrawn the whole penny that I didn't know was there (I'm buggered if they're having it!), and requested the account be closed immediately. Astonishingly poor PR!
My first reaction on receiving the same email from Ladbrokes was that it must be some kind of phishing scam, because surely no legitimate business would act this way. Having Googled for details on this I found this blog post...and apprently it's real?! Chris' post sums up exactly how i feel about this, and how i imagine many others will too.
This is very bad PR, whether it's the industry norm or not, Ladbrokes may now find this poor practice will be strongly, if not entirely, associated with them. #ladbokesfail and all that.
@Jim makes some good points but i've had to pro-actively seek out some sort of reason for this - perhaps some explanation in the original email would have been a good idea? Even then, surely targeting those with suspect accounts would have been a good place to start instead of those of us with zero balances (thereby implying that we will actually owe them money unless we start using our accounts again). Certainly being transparent about 'the fee' up front is an absolute must for anybody not involved in a Nigerian scam ring.
For these reasons I can't help but think this is simply part of a demented customer reactivation policy.
I work in bookmaking industry and I too was very shocked by this. All bookmakers do NOT pursue this policy. Dormant accounts require minimal administration other than the work which should be carried out to try to reactivate them. How this cost is worked out is beyond me; perhaps it's derived from how much this new revenue stream has to make in order to be worth the PR pain but I realise that I'm being ultra-cynical here. In fact, funds sitting in these dormant accounts, even ringfenced, will very likely be earning interest for the bookmaker.
Leaving this all aside, I think the key is how it is communicated. If you tell people why this is policy is being enforced and the real facts behind it, as Jim and Peter have attempted to do here, then you have a much better chance of avoiding this type of blog reaction. Never leave the customer speculating, especially with a communication which has a financial implication. To me this is just isn't good marketing – send a controversial email, put the tin hats on, run for cover and wait until the ensuing barrage stops.
Well done Chris for highlighting this I am very glad I read your blog today. I never received the email from Betfair as my email address they had was several years old. I too had a tiny balance 0.60 and they can stick it where the sun doesn't shine. This I think is the real reason for the change in T&Cs, just imagine all those macro amounts they are sat on flooding into their coffers. I am sure that a wise bean counter spotted the fact that they are sat on millions if not more of macro funds that could be theirs all theirs by spooking customers who only bet once a year. Another customer bites the dust, have fun with my 0.60 Betfair!
PS - Have shared for discussion on Linkedin Digital Marketing group, will be interesting to see the reaction there as well as here given the groups 75K+ membership.
@CheShA, @Jim Westwood, @Peter (Ladbrokes),
You all make very good points about the logic of Ladbrokes' policy, but I don't think that's at the heart of this issue.
The fact that there is a well-reasoned purpose to the policy only makes the email communication more of a travesty.
The real issue is that the reasonable-ness of the policy is not communicated in a way that is professional, friendly, charming, helpful, or enticing in anyway. Instead it reads like junk mail: manipulative, pernicious, poorly structured, and using colloquial grammar ("we hope we will see some activity"..? I think there's even a threatening tone to it. Is this from a bloke down the pub?).
Employ some talented copywriters and watch the issue dissolve before your eyes.
just to butt back in here...in the case of the accounts with large sums in, the majority would have received a telephone call as, although they were 'dormant' (>13 months lapsed) accounts, they would most likely have been key accounts previously. I was just highlighting the burden of holding such amounts in customer accounts free of charge.
In response to a common thread here that 'there are better ways of reactivating customers', I couldn't agree more, but, again speaking for Betfair, those efforts have been exhausted. The CRM process talks to customers as they are a)relegating from one value band to the next, then b) lapsing and finally they are offered a generous winback based on their highest ever value band - which is effectively a free, no risk bet. If even the offer of free (absolutely no catch) money doesn't work to win them back then it's time to consider the value of having the account at all as it dilutes lifetime value metrics, churn rates et al.
I think it takes a brave company to be prepared to alienate parts of its base but ultimately it makes sense to continually cleanse the database and the fee is a part of that wider process. Some users will be pleased to learn of unexpected funds, some will be put out but reactivate and others will close their accounts altogether. The last group actually helps the overall CRM process, although I do, as previously stated, appreciate that you can't please all of the people all of the time!
I only have a couple of quid in there and received this email; what's the bit about the possibility of having a negative balance? If I am zero'd then fine, but are they going to charge 2 pounds every month after that?
I got this too. I will never do business with them again and will close my account asap. There is MINIMAL cost in maintaining dormant accounts and considering all these betting companies try to entice new customers with healthy sign-up bonuses it seems crazy to me to alienate existing customers over such a trivial issue.
What an almighty f**k up.
I personally do not blame the bookmakers for doing this, as previously mentioned these businesses are not banks.
And to all the people that angrily decided to close their accounts I have to say that this is one of the reasons why such policies were implemented. If you have £2 in your account and haven't used it for more than 13 months then trust me the bookmaker will not miss you.
This is the response from Ladbrokes I got.
It may be Paltry to them, but it is mine!
Dear Mr D*********,
Thank you for contacting Ladbrokes Poker.
This is a policy for inactive accounts that have remaining funds. Having
checked your account I can see you have (one pence) in your poker
account. Although a paltry amount, this would automatically include you
in the automated search for inactive accounts with remaining funds. Rest
assured once the one pence has been removed there would be no further
charges. There would not be a negative charge, however we are bound to
advise you of funds remaining in your account regardless of the amount.
If you would like me to remove the remaining funds for you before any
charges are made, we do have a system whereby we can submit this to
If we can be of any further assistance, please contact us again and we
will be more than happy to help you.
Kind regards,
Poker Agent
Ladbrokes Multi Player Poker
I received the email today from Ladbrokes informing they had charged me £2 (the warning one had gone into the spam folder). I too thought it was a hoax - but searched and came across this from Chris.
I think the charges are fair: I think the only reason why everyone is a bit shocked about this is that the UK is one of the only countries in the world with free current account banking, so the expectation has been set on that basis; but as @Broke Lad said - it was communicated very poorly - both the emails were written extremely badly and could have been worded better.
There is irony attached to the comment 'a couple of the posts above have mentioned that online gambling companies aren't banks and that's quite right.'....is that on the Ladbrokes site (appreciated not the Betfair site), when I finally got my login details from an extremely nice and helpful person at the Ladbrokes call centre that communicated very well and logged in, there is actually a link at the top to a section called 'banking' - a little confusing given the 'non-bank' status discussed and I am sure for another forum altogether.
My final conclusion is that despite the really poor email communication from Ladbrokes - the call centre operative made up for that, and I am quite happy as I forgot that I signed up for a free £10 bet with Ladbrokes 14 months ago (which is now unfortunately £8) so if anyone has any good tips let me know!
Who cares as a customer if the bookies are not banks? Not me. Account closed and will never use them again, or any other that does this.
I didn't get the email from ladbrokes since I had changed my email address but I did hear second hand via a Paddypower email about the charges. Checked my Ladbrokes account and they had helped themsleves to nearly fifteen quid!! Cheeky feckers! Emptied my account immediately, then got onto customer services (0800 7316191) fuming and ready to go in all guns blazing threatening county court action to get my money back, when I said I wanted to make a complaint about the inactivity fee he just said do you want a refund. Took it and will empty that out once it is in my ladbrokes account and will be leaving my account there dormant with FA in it! Try taking 2% per month from that you greedy cnuts.
I went in to my Ladbrokes account today and found they've taken 5% of my account money! If this was to clean up accounts with small amounts they shouldn't be charging 5% on larger amounts. I rang them back and demanded a refund which I got. I changed my e mail address a while ago and never got a notification they were going to do this,it's criminal!
"They are not banks",quite right,they don't pay me interest on my winnings which they have access to in my account!
For the record I bet on a regular basis at about £60 a time,the reason I haven't used them recently is that their odds are so uncompetitve! I use oddschecker.com to find the best odds,ladbrokes are never good enough! I am also closing my Betfair account,although I bet with them regularly and haven't had a deduction yet,I cannot be involved with a business that employs such tactics.
Vote with your feet people,there are plenty of reputable bookies out there who offer incentives to stay with them!
I JUST logged onto my Ladbrookes account to discover that 50% ( almost 200 pounds ) of my money had been syphoned off by Ladbrookes by this scam.
Calling Ladbrookes and complaining off the inequity of the crime came to no avail.
It wasn't until I realised that my account was opened way before these new "Terms and Conditions" were implemented ( By means of an email that most likely ended up in junk, not by anything I agreed to).
Upon calling back to point out that I had never signed up to these terms and conditions, I was put on hold for a few minutes and the money was credited back into my account.
I realise this won't necessarily help people with more recently opened accounts , but I hope it helps some of you get your money back from these scam artists.
I was also a victim of Betfair inactivity charges. As far as I am concerned this practice is just blatantly stealing customers money simply because they believe you have forgotten about it. I'm sure they are hoping that you will not notice whats happening until its too late and they have pinched all your account contents.
Many companies have jumped on this bandwagon now and much as I hate to say it I believe that the governments should legislate against this practice just as they did against the banks practice of loading PPI charges into loan agreements.
If everybody who fell foul of this wrote to inform them that they and their family members would never give them custom ever again they might reconsider.
If a services industry company loses a customer who still have funds in their accounts they do the right thing and send it back to the customer. They don't just "steal" it. It is rediculous to claim it is an action made to win customers because they all feel cheated, and rightly so.
I stopped using a bank account some time ago and eventually the bank wrote and warned me it would be closed if not used within 30 days. Then after that period they closed it and sent me a cheque for the balance of 23p. Now thats a company I would return to and use again.
Just to do it because others are getting away with it smacks of not giving a toss for your customers to me. You are a business that new all about the overhead of such accounts when you started and set your charges to suit. So dont plead now that you have to do it due to the costs.
People with balances of thousands left inactive are few. It is the thousands of accounts with just small amounts of people who could make good use of a few extra pounds you are hitting.
If you wish to be considered as ethical and honest businesses, "Send them back their money!!!" You already took your considerable cut when they used it in the first place.
I have looked back and certainly didnt get an email warning me this charge was going to be applied. When I complained via email to Betfair the first response was not to mention at all that I could get a refund. It was only by seiving through their terms documents that I uncovered this and quoted the relevant section that I got the refund.
Link exchange is nothing else except it is simply placing the other person's blog link on your page at suitable place and other person will also do same for you.
I just got an email from Ladbrokes threatening to charge me this inactivity fee. At first I thought it must be a fake mail trying to get my account details, seriously! When I found out it was real I was amazed and outraged at the same time. It baffles me why they would do that, and yeah...of course we all read all the small print right?
I withdrew all my funds instantly and closed the account...and expressed my disgust. Nice work Ladbrokes.
Great strategy to bring customers back to using their account isn't it. Clowns.
I just got the first of these mails from Ladbrokes to get past my spam filter. I cannot find the original mail from Ladbrokes informing me - and they have taken several payments over several months without me knowing.
I too have withdrawn my money, and contacted them to close my account. I didn't get my money back though :-(
However... I informed them that I would advise everyone I could to go have a look and check their terms and conditions via adwords in google. I reckon they pay quite a lot to compete with the other bookies for those.
So here goes....
If you get the chance go to Ladbrokes via a paid link to check their t+c's please do... It wont get my money back - but it might make me smile just a little bit. :-)
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how do you close your accounts for ladbrokes and william hill as i do not want to use these bookies ever again ?
Ladbrokes with a 5% rate and Paddy Power with a 10% rate are the biggest crooks in the industry. I know someone with mental health issues that lost a 4 figure sum due to this. This was made worse when Paddy Power refused to answer his emails when attempting to access his account and withdraw his funds.
These companies use your funds whilst on deposit, collectively the total of all funds on deposit is very significant, for their own gain, yet not content with that they wish to charge you! As bad as that is Labrokes and Paddy Power opt to charge a high % to scam their clients further, scandalous.


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