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Notes & Coffee: August 14 - 20
Notes & Coffee is here to keep you informed of all the trending student affairs and higher ed news stories most critical to our field as they develop. In the age of information overload, we're here to bring you vetted examinations of the stories that matter to our field. We invite you to brew a favorite morning beverage, kick back, relax, and catch yourself up for the week ahead with Notes & Coffee.
What U.Va. students saw in Charlottesville – The college town of Charlottesville, Va. became the scene of deadly chaos after a rally to protest the removal of a statue of Robert E. Lee was held there over the weekend. In recent years, college towns and campuses have attracted divisive figures like Richard Spencer, the white nationalist leader who organized the rally, as youthful activism in the community all but guarantees protest and media coverage. The New York Times reached out to University of Virginia students to reflect on the event.
After Charlottesville violence, colleges brace for more clashes – Berkeley is ready to spend as much as $500,000 to protect a single lecture, Mr. Mogulof said, and will do so regardless of the speaker's ideology. The new protocol was unveiled on Sunday, a day after a woman was killed and dozens of people were injured in Charlottesville, Va., after a series of white supremacist gatherings at the University of Virginia and in the city. The timing was a coincidence, but across the country, college administrators and law enforcement officials are bracing for a wild fall of protests as their campuses become battlegrounds for society's violent fringes.
Legal grounds to turn away white supremacist speakers – When Auburn University said it would block Richard Spencer from speaking on campus in April, the white nationalist sued -- and won. A federal judge in Alabama rejected Auburn's argument that the speech would be unsafe, and it took place. This precedent has not deterred the University of Florida or Texas A&M University, both of which this week have canceled plans for events where Spencer was slated to speak on their campuses, citing the violence at white supremacist events last weekend in Charlottesville, Va.
Finances a troublesome subject at many HBCUs – When college leaders across the nation begin rolling out their welcome mats for the coming school year, few are likely to be more anxious about the days ahead than those operating historically Black colleges and universities (HBCUs). The institutions – 49 are private nonprofit institutions and 51 are public institutions – are facing increasingly tough times, with few exceptions, as warning flags abound and time appears to be running out on solving the myriad challenges that these schools face.
More diversity means more demands – Campuses that have prided themselves on increased diversity in admissions are now wrestling with students who want more control over the institutions they attend, including a say in hiring (even of visiting professors), housing (a theme house at the University of California, Santa Cruz, must be painted in Pan-African colors) and curriculum (among nearly 50 demands presented to the University of Chicago: the creation of courses on the Islamic golden age, sequences on Caribbean and Southeast Asian civilizations, and a required diversity/inclusion course).
More Notes
Ole Miss edges out of its confederate shadow, gingerly
Malala Yousafzai, shot by the Taliban, is going to Oxford
More law schools begin accepting GRE test results
It's no coding camp: Vocational training aims to diversify tech


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PNC's General Secretary, Oscar Clarke, shot – 30th Jan 2013
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text: A Notting Hill local was just caught with a mobile phone in her hand while her car was stationery, fined (it's due to go up from £100 to £150) and had to do an evening's remedial driving training. So for those of you, including me, who thought it was alright to use a mobile in a car when you have stopped, it is not. You are only allowed to use the phone in the car if you have it in a hands-free holder. A good rule for everyone though … in the past 10 years more than 205 people have been killed in Britain in accidents involving drivers using hand-held mobile phones at the wheel, and the number is increasing every year. think.direct


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As a church school we process our own admissions. If you are interested in placing your child in our school then please feel free to call the school to establish if we have any vacancies.
If we do have a place then we would require you to complete the ESCC Application Form as soon as possible, these can be collected from the school or downloaded from ESCC website. The completed form should be then returned to the school and we can then send it on to School Admissions at County Hall in Lewes. The Supplementary Information Form also needs to be completed and returned to the school, this can be located at the bottom of this page. If we do not have space for your child we will still require you to complete the ESCC Application Form and send it to School Admissions at County Hall, Lewes. Once we have received your completed the Supplementary Information Form then your child's name will be placed on our waiting list.
Priority on the waiting list is given according to the criteria in our Admissions Policy which is available to download also from our website. If you are applying for a foundation place we would also require a Clergy Reference Form signed by your church leader.
Please note that 30 pupils in a class is statutory for all children in the Infants (Reception, Years 1 and 2). The Governors would not therefore be able to offer a place in the school, even on appeal, if the subsequent class numbers would be higher than 30. We also aim to have 32 children in each class in the Juniors and the governors would not wish to exceed this number except under exceptional circumstances.
Prospective Parents Tours of the School
We are now able to take booking for tours of our school, each of the four appointments will include a meeting with the Acting Head Teacher & the Admissions Officer followed by a look around school. Please contact the school on 01323 471781 option 0 to book your place.
The tours dates for admission 2017/2018 are as follows:
Tuesday 31st October 2017 ~ 10.45 am
Thursday 2nd November 2017 ~ 10.45 am
Monday 6th November 2017 ~ 2.15 pm
Thursday 16th November 2017 ~ 2.15 pm
Wednesday 22nd November 2017 ~ 6.00 pm
We do request that you do not bring any children to the above tours.
We also offer tours of the school only every Tuesday at 10.00 am. Please contact the school on 01323 471781 option 0 to book your place.
For school admissions for Reception 2017/2018 below is the time line for applications.
12th September 2017 ~ Online facility available via ESCC
15th January 2018 ~ Closing date for primary schools applications
16th April 2018 ~ Allocation letters sent to parents
May 2018 ~ Closing date for appeals
June/July 2018 ~ Appeals heard.
Starting school and compulsory school age
Children must start school at the beginning of the term which follows their fifth birthday. However, your child is allowed to start school full time at the beginning of the school year which follows their fourth birthday.
You may want your child to start at school part time which is allowed but you will have to arrange this with the headteacher once your place has been allocated.
When must my child attend school?
If your child turns five between:
- 1 September 2018 and 31 December 2018 they are allowed to start school at the start of term one (full or part time) and must be attending full time at the start of term three.
- 1 January 2019 and 31 March 2019 they are allowed to start school at the start of term one or term three (full or part time) and must be attending full time at the start of term five.
- 1 April 2019 and 31 August 2019 they are allowed to start school, at the start of term one, term three or term five either full or part time.
Appeals Procedure for Reception Admissions September 2018
Appeals closing date: Monday 19th May 2018
An Independent Panel will hear Appeals. The Governing Board coordinates with the local authority, East Sussex County Council Timetable to administer appeals
Parents who wish to lodge an appeal should contact the school office 01323 471781 in the first instance.
Deadline for receipt of appeals for children starting Year Reception Appeals closing date: 19th May 2018
Appeals received by the above deadline will be heard by Friday 21st July 2018
Appeals submitted after the above deadline will still be heard. However if your appeal is submitted late, your case may not be heard until after all the appeals received on time have been dealt with.
Clergy Reference Form 2018 2019.pdf
SUPPLEMENTARY INFORMATION FOR ADMISSION TO THE HAVEN SCHOOL 2018 2019.pdf
Admission Arrangements 2019 2020 Final.pdf


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LASHES OUT AT SAD, BKU FOR TRYING TO PREVENT BENEFICIARY FARMERS FROM COMING OUT IN GOVT'S SUPPORTChandigarh (Face2News)
The Punjab government is all set to present over 30 farmers tomorrow morning before the National Green Tribunal (NGT) in response to the latter's directive to produce 21 farmers incentivized to check stubble burning.
The NGT had on Wednesday directed the state government to bring before it the 21 farmers it had said had been helped through incentives and infrastructural facilities to prevent them from burning paddy residue in a bid to check air pollution.
Not only will the government produce over 30 such farmers, the Department of Agriculture will also update the court on the actions taken so far to manage paddy straw in Village Kallar-Majri, Nabha (Patiala), an official spokesperson disclosed here today. The detailed list of activities, which include installation of machines to farmers in the village, will be provided to the court, the spokesperson said, adding that the equipment was already operational across 67 acres of land.
The Department is also taking steps in six other villages of Patiala district to facilitate residue management and the same will also be apprised to the court, said the spokesperson. The government, as per an earlier directive of the Tribunal, is also exploring ways and means to provide incentive as compensation to the farmers to stop them from burning stubble. The spokesperson pointed out that the state government had requested the central government for grant-in-aid for providing incentive to the farmers, with the Chief Minister have written to the Prime Minister seeking Rs 100 per quintal to be incorporated in the MSP for paddy. The state has proposed that such compensation be given only to those farmers who efficiently manage the paddy straw without burning it.
The spokesperson lashed out at the Shiromani Akali Dal (SAD), the Bharatiya Kisan Union (BKU) as well as other political and farmer outfits for trying to pressurize the beneficiary farmers from coming out in support of the government on the issue. The Akalis failed to check the environmentally disastrous practice of stubble burning in the past two years despite the NGT directives, said the spokesperson, adding that they were now trying to scuttle the Captain Amarinder Singh government's efforts to manage the paddy residue in an environment-friendly manner.
Notwithstanding the financial crisis in which the erstwhile SAD-BJP government had left the state, the Congress government was going all out to resolve the issue in the interest of all concerned, said the spokesperson, rejecting the motivated statement of former Akali minister Bikram Singh Majithia that the government was victimizing the farmers instead of helping them.
It was in the interest of the government to incentivize and help the farmers to check stubble burning as the environmental safety of the state depended on it, said the spokesperson. Asserting that there was no question of penalizing the farming community, the spokesperson pointed out that the Chief Minister had made his government's stand on this issue amply clear.


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Origin and Etymology of ar
First Known Use: 15th century
in the meaning defined aboveSee Words from the same year
Definition of AR
Other Economics Terms
Definition of -ar
- molecular
- spectacular
- oracular
Origin and Etymology of -ar
Definition of A&R
- From his '90s gig as host of MTV's alt-rock show "120 Minutes" to stints in A&R for Columbia Records and deejaying on WRXP …
- —Chris Erikson, New York Post, 6 Feb. 2012
- Allen was an A&R man for this record company, Minit Records, in those days and he was still recording people like Ernie K-Doe and Irma Thomas.
- —Aaron Neville, quoted in Billboard, 6 Nov. 2010
- In the old days, artists worked in as many venues as they could to get noticed, usually by a manager with connections to an A and R rep who would get them the attention of a record label.
- —Robin Harvey, Kingston Whig-Standard (Ontario), 22 Aug. 2009
- the A&R department of a record label
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Origin and Etymology of a&r
First Known Use: 1948
in the meaning defined aboveSee Words from the same year
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- Worldwide Rank #165,297,952
- Follower/Following Ratio 0.17
- Daily New Followers 0
Keresztesi Istvan Twitter Stats
@010b2bff7b9e4f0 - Tracking Keresztesi Istvan Twitter profile since July 30, 2015
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Keresztesi Istvan, also known as @010b2bff7b9e4f0 has a reasonably significant presence on Twitter and is ranked by us in the 30% percentile for account strength. Active on Twitter since July 2015, Keresztesi Istvan made it to having a respectable 25 Twitter followers and to being ranked 165,297,952 for number of followers among all Twitter users.
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@010b2bff7b9e4f0 has posted 0 tweets in the last 5 days, which translates to an average of 0 tweets per day.
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@010b2bff7b9e4f0 has 25 followers on Twitter.
This account is #165,297,952 in the worldwide rank of the most popular Twitter users.
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@010b2bff7b9e4f0 is following 147 Twitter accounts.
Last month this account stopped following 4 users.
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5 Ways Portugal Leads The World In Drug Reform (And Soccer)
Portugal made history last week when they won their first European Cup championship. This is not the nation's first international milestone.
Last Sunday, Portugal won their first ever European Cup football championship. Led by the world's best, Ronaldo, the team overcame a few stumbles in the group stages to defeat France in a hard-fought final. So, with Portugal (and weed) on our minds, let's take a look at the nation's victories 16 years after total drug decriminalization.
1. A 10 day supply
Portugal allows folks to possess up to a ten day supply of all drugs. This means that you can legally carry 25 grams of cannabis at all times. To some, this may sound like a small amount. But to most of the world, this is a sought after privilege.
2. Portugal embraced the problem
Portugal treats drug users as addicts, instead of criminals like many other nations. Dr. Joao Goulao, Portugal's drug czar, feels that the system favors recovery rather than suppression. In a recent interview about the legal process in Portugal he said,
If police catch someone doing cocaine, for example, the person is issued a summons to appear before the 'Commission for the Dissuasion of Drug Addiction'. You are evaluated by a social worker, a psychiatrist and an attorney. They look at the history of your consumption. Are you an occasional or recreational user, or are you an addict? Then you are offered treatment. It's not compulsory. But you are registered in a system and tracked if you are caught again using drugs. You may, in some cases, be issued a fine.
3. Defeating disease
Since Portugal decriminalized drugs, including heroin, HIV rates have dropped tremendously. People who are caught using drugs intravenously are not treated as criminals but as addicts. They are given medical care and rehabilitation services that are proving successful.
4. Treatment
Officials estimated that in the late 90's, nearly 100,000 Portuguese were heroin users. Now, it is estimated that there are no more than 50,000 heroin users in the country. Officials say that the majority of these users are enrolled in treatment.
5. Law enforcement
Law enforcement officials are now able to go after the drug traffickers rather than street level users. As a result, violent crime rates are down, and prisons are less crowded.
Portugal is setting a stable example for nations looking to decriminalize drugs. Despite recent economic struggles (an issue that leads to drug use) in the European Union, Portuguese addiction and overdose rates have remained low. Canada is considering similar decriminalization and has been consulting with Portugal in preparations.
As the nation flies high on their recent Euro Cup victory, I am sure they are (responsibly) partying their asses off. Fortunately, for those celebrating with marijuana, there is little chance of any repercussions.
What do you think about Portugal's drug decriminalization experiment? Let us know on social media or in the comments below.


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Speaking Up About Uncomfortable Condition, Bowels, especially those that don't function properly, are not a popular topic of conversation. Most of the 1.4 million Americans and 15,000 Canadians with inflammatory bowel disease Crohn's disease or ulcerative colitis suffer in silence.
But scientists are making exciting progress in understanding the causes of these conditions and in developing more effective therapies. And affected individuals have begun to speak up to let others know that they are not alone.
Abby Searfoss, 21, who just graduated from the University of Connecticut, shared her story not in a support group, but online. She was a high school senior in Ridgefield, Conn., when she became ill. After she researched her symptoms on the Internet, she realized that, like her father, she had developed Crohn's disease.
Her father had been very ill, losing 40 pounds, spending weeks in the hospital and undergoing surgery. Soon after Ms. Searfoss's own diagnosis, her two younger sisters learned that they, too, had the condition.
In Crohn's disease, the immune system attacks cells in the digestive tract, most often the end of the small intestine and first part of the colon, or large intestine. Sufferers may experience bouts of abdominal pain, cramps and diarrhea, often accompanied by poor appetite, fatigue and anxiety.
Read: Speaking Up About Uncomfortable Condition


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The life of the Baton Rouge shooter will be under the microscope in the days and weeks ahead. Former FBI special agent Jim Bernazzani talks to us about what might be involved in that investigation.
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But I stole it anyway. :P
Hers is a "Christmas Version". Don't know if I can stick with that or not, but I'll try...
7 Weird Things
2. I don't like "It's a Wonderful Life". I don't know, just something too "dark" about it. My mother thinks I'm weird because of this.
3. I have also never seen the "Nightmare Before Christmas". Don't faint.
4. I could watch "White Christmas" twice a day for the entire month of December and never get tired of it. Sometimes I do. And sometimes, I even watch it in **gasp** May and July. And August and April and...
5. The best Christmas gift I ever got was a Super Nintendo. SNES. Remember those? I still have it!
6. I sometimes forget to open my presents on Christmas morning. I get so in to watching the kids and placing batteries and cleaning up wrapping paper...till one of the kids says "MOM!"
7. All I want for Christmas this year is my own car that runs. (sing to the tune of "all I want for Christmas is my two front teeth"). I know it sounds petty, but having to ask someones' permission to use the car is so, I don't know, IRRITATING. I know I should be grateful. I keep telling myself that.
Am I weird? I think so. I could keep going if you need more proof...
Tag! yer it!


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Artists Open Studios 2017 Launch: Friday 24th March, 5.30pm
Join us for the opening of the Starting Point Exhibition: celebrate the artists & their works and meet the Trust & Event Organisers. The exhibition is the perfect place to start your Artists Open Studios experience. One work from each participating studio creates a dynamic taster of what is in store for you as you travel the event.


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Bohemian Agent Blog
Street Art in Sant Sadurni and the discovery of Vilarnau
Tiny Adventures in Spain: Today's tiny adventure would be the street art in Sant Sadurni along with the discovery of a grittier more jovial community originally started by migrant workers from the south of Spain.
There is something about bright publicly painted brick walls or steel gates that just makes my heartbeat begin to race. Here in Spain, even the tiniest of villages seem to have an abundance of joyous street art lining the streets. As you might imagine, my teeny tiny wine village was no exception to this rule! So, today it was just me, the street art and my trusty phone camera that made three!
And behold, I saw a bridge and crossed over to another side of the wine village. This extension of town would later become a wonderful walking cava escape for me in a community where someone that I knew would manage to turn up at ever corner. Now, this old gal (pointing at myself) is as social as it gets, but big mama (me again) likes her alone time too. This stop on the "other side of the tracks" would be just what the doctor ordered in times when a date with solitude was my best friend for an hour or two.
This discovery was a section of town called Vilarnau. I've been told this extension of the wine village was created to house the field workers for the biggest wineries in town. Most of these field workers came for grape harvesting and then headed back home to the south of Spain at the end of the work season.
Well, this made tons of sense to me! You see, the other side of the village where I lived, had a bit of a stuffy air compared to this grittier (more festive side) of the community. Everybody knows that the friendliest of Spaniards come from the south of Spain where parties and festivals are a commonplace and life is lived like a fiesta you never leave! Ha-ha! Most of these seasonal workers from the south eventually migrated their way up north to this small community outside of Barcelona to continue working year round. Hence, making it a livelier, grittier, more unpredictable stop when I felt like having a tiny adventure at home.
Hi, I am a Bohemian Agent, a Female Traveler full of wanderlust and adventure! My name is Jeanne Connolly, and this is the beginning of my travel story. I hope you join me for the ride. Bohemian Agent is a travel blog dedicated to inspired story-telling, life after 40, international living and travel experiences as a solo female explorer.
Sending love and adventure your way until the next post. I post every Monday and Wednesday. Be sure to subscribe to the blog for all our updates.
Jeanne, The Bohemian Agent
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Now that the weather has hopefully taken a slight turn for the better, sports clubs all over the country will be making up for lost time by training and playing matches before their seasons begin to draw to a close. Oughterard Rugby club are certainly no different, with all sections from the U7 minis up to the senior first XV gearing up for a busy couple of months.
Thanks to the local secondary and national schools' astro pitches, only two Saturday morning training sessions have had to be cancelled due to the weather this season.
The astro surface is great, but there is no substitute for good old dirty mud, which the mini players seem to love diving around in. End of season, provincial mini blitzes are just around the corner in the Spring, so all the mini squads are sharpening their skills for these fantastic days away.
Two local national schools had a nice surprise when three of the high-flying Connacht squad paid them a visit recently. Star players Darragh Leader, Rory Parata and Nepia Fox were terrific ambassadors for the province, spending time answering all sorts of questions fired at them from pupils at Moycullen NS and St Annins, Rosscahill. The kids also got the chance to get autographs and photos with their heroes.
ORFC U16s won a hard-fought and tense league semi final away to Creggs recently. In a very tight affair played in wet and windy conditions, ORFC managed to overcome their hosts, scoring a single try to win 5-0. The result means that the lads from Oughterard will play NUIG in the final.
The first XV also got back into winning ways in the Connacht J2 league. After a brace of away defeats in the worst of the weather, the team travelled up to Ballina on a sunny Valentine's Day.
Enjoying playing on a great surface, in dry conditions which suited their fast-paced running style of rugby, ORFC came out 27-24 winners over their hosts, in what was a very entertaining game to watch. The win was badly needed, and puts the team back in the running for a top four finish.
Matt Henderson


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Jenny Rhodus joined Broadstone in May 2017 as Regional Vice President, Investor Relations, and is based in our Midwest office. Jenny is responsible for developing new relationships with Registered Investment Advisors, Trust Companies, Family Offices and other fiduciary advisors, as well as management of Broadstone's existing Shareholder base.
Prior to Broadstone, Jenny served as Divisional Director with Salient Partners, a $7 Billion RIA based in Houston, TX.
Other highlights:
- BS in Business Administration from Avila University in Kansas City, MO
- 20 years of financial services experience focused on sales, strategic planning and new market development
- Previous experience as Relationship Managers for Ivy Funds & Tortoise Capital Advisors
- Reach Community Foundation CAC board member
Contact Jenny:
[email protected]


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Next Torbay Lottery draw on Sat 18 August at 8PM
The draw is in 1 day 1 hour 19 minutes
11th Torbay (Barton) Sea Scout Group provides a much loved and valued service for the community. It provides Fun and Friendship for 6 - 18 year old young people.
We need your help so we can continue to offer and even expand our service!
Thank you for your support and good luck!
Yours sincerely
Mr Terry Porter
Group President / Leader
Ms C supported Torbay Lottery with 1 ticket
9 days ago
Mrs M supported SNUG with 2 tickets
12 days ago
Mrs D supported Shoalstone Pool with 2 tickets
14 days ago
Mr D supported Shoalstone Pool with 2 tickets
14 days ago
Mrs Q supported Torbay Lottery with 1 ticket
25 days ago
Mrs W supported Hele's Angels with 2 tickets
30 days ago
Feel great knowing 60% of ticket sales will go to good causes - 50% to your chosen cause and 10% to other causes in Torbay.
That's right, unlike many other lotteries Torbay Lottery tickets are only £1 per week.
Each ticket has a 1 in 50 chance to win with a top prize of £25,000!


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I swear these updates are getting more and more stretched out. As a result I have decided to take a different approach.
That's right instead of saying how sorry I am for being slack and about how I was unable to complete chapters due to suffering from a sprained eyelash (the pain is healing more each day, which they tell me is good, I must stay strong though…) or some similarly nonsensical thing, I have decided to go COMPLETELY nonsensical and ignore reality.
That being said here comes chapter 85.7. For those of you who have missed chapters 85.1 through to 85.6, please update your browser then turn around 3.6 times in a clockwise direction and that should have either made it so you can view these mythical subchapters or else made you dizzy enough to not remember what you were looking for in the first place.
All of my usual levels of insanity aside though, Jade and I have been busier than a one legged man in a bum kicking contest over the past few months with our usual secret planning and worky type stuff.
All I can say about that though is, "trust me, it will be worth it".
Whilst we have been constantly working with our noses to the grindstone, both Jade and I have managed to take some time to sit up, step back, say "ouch", sneeze and then disappear for a couple of days to Rob and Coral's house to shoot the breeze and discuss everything and nothing that is important on Planet That Place.
A place where the kids can fall down the stairs quicker and with less tears than they can at home. A place where we can hitch up a trolley to the back of the ride on and take the kids for a ride.
With all of this we should say a heartfelt "well done" to Coral (Rob's extremely long suffering better half) for making such an amazing and continual recovery from her leg operation.
Meanwhile, back on Planet Jandowae, I have managed to actually get some modelling done over the last week or so. Only in a small way mind you but it's been enough to rekindle my interest in non work related model making. I have finally gotten around to finishing the weathering on my third OLO tank wagon. All that is left now is to seal the powders in with a coat of Testor's Dullcote.
For those of you that have been asking, the graffiti was made by using very sharp colouring pencils. I essensially copied the "design" (sorry I just have difficulty bringing myself to say that when talking about graffiti) from one of the OLO wagons on our website. Aside from that, I have done very little with my own models over the past few months due to our continual work on our next few announcements.
The one shining ray of newsworthy news for the news section , etc, etc, etc is that Jade has puffed herself up to look big, nasty and tough enough to scare Kieren into getting our next backdrop ready. The Marnhull backdrop will hopefully be here in time for the first Bundaberg Show on the 22nd and 23rd of March.
This show promises to be an interesting one as it will be the first show to take place north of the greater Brisbane area since ancient roman times. Or am I just getting older and it feels like it?
As always, we hope to see you there to catch up and have a chinwag. Rob and I are greatly looking forward to it.
Just a reminder to all those out there that Wuiske Models is open from 9am to 5pm… okay AND 5pm to 9am Monday to Friday. Oh and the same for Saturday and Sunday and things too. We would like to ask that if you phone us at 2am, make it entertaining or at least because a model has caught fire or something. Though if it's on fire, you most likely should be phoning the fire brigade first.
All that aside, Jade will no doubt be on to me to update my little rants a bit more often. But, as always, We shall see how we go.


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To commemorate the upcoming release of Dragon Quest VIII for the Nintendo 3DS, Square Enix and the Lawson convenience shop chain have teamed up to develop the Dragon Quest Collaboration Store. This restricted time partnership starts on August 22, 2015. It transforms an existing Lawson benefit shopcorner store in Akihabara into slime-central with all sorts of Dragon Quest-themed decorations and products on screen.
For a limited time, clients can take house their purchases in slime-themed plastic bags. While products last, clients can also get a paper hand fan in the shape of Dragon Quests perennially smiling slime. Consumers that purchase the Dragon Mission VIII video game at the store will certainly receive a sticker showcasing the slime dressed as a Lawsons clerk.
Other Dragon Quest-themed marketing goods – such as hand towels, coffee mugs, and WebMoney bank card – will certainly likewise be readily available for purchase.
The new, improved variation ofDragon Quest VIII will be released on the Nintendo 3DS on August 27, 2015. It was initially released for the PlayStation 2 in 2004.
Source: Narinari.com through My Game News Flash
Paul Chapman is the host ofThe Greatest Movie EVER! Podcastand GME! Anime Fun Time.


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The Aftermath of Divorce
The days following Zach's departure were the hardest in Anna's life. ButterFly cried for her dad to the point that she got sick. He neither called, texted or emailed his wife or daughter. Yet, everything began unraveling. All Zach's plans were in the open.
Zach had been planning to leave his wife a couple of months' earlier. His parents had convinced him that his wife and child were nothing but expenses and were weights on his shoulder. He wasn't progressing in life because of them. Zach had also began an affair a while back with an anonymous girl.
The affair was the least of Anna's worries. What killed her was that she had made vows of eternity with this man, had been through moments of extreme happiness as well as moments of heart wrenching sadness. Anna was broken. In more ways than one. This man was the father of her babies. She loved him deeply. They had shared so much. How could all of this be true? And it was.
And the humiliation did not stop there. Zach had been recording conversations and arguments between Anna and himself over the past couple of months. Anna had no knowledge about this. She came to know of this when she threatened Zach to go to court for sole custody and child support. How much further could he break her spirit? Were discussions between husband and wife just that – between husband and wife? And it did not end there. Zach had played those recordings to his friends and family to try and discredit Anna, as well as remove ButterFly from her care permanently. Who was Anna really married to?
Things got uglier and uglier. Zach's parents demanded wedding gifts to Anna back – claiming that it was family tradition to only LOAN the daughter in law heirlooms like jewellery. At divorce, these gifts were to be returned as the belonged to the husband and not to her. Anna point blank refused and an argument ensued between hers and Zach's parents, that got really ugly.
Anna constantly tried to make things work with Zach, by begging him. She loved him a lot. She would have done anything to not let her family break. If anything, Anna wanted for her baby more than Anna herself had. Anna had her parents together and that's what she wanted ButterFly to have. This wasn't to be though. Zach's arrogance was above it all. And he wanted Anna to bow down to his parents and seek their forgiveness.
Anna was willing to do it all just for her baby. Even though her parents were against it all. They knew what their daughter was up against. This man had left their daughter destitute and sky high bills, plus a mouth to feed. Zach point blank refused to shoulder any of the expenses unless Anna and ButterFly were living in his home. He constantly threated Anna with taking her to court and fighting for their baby – even though he had no leg to stand on.
The fights did not stop. However, Anna reached the breaking point one afternoon after Zach and his parents pulled a major stunt…
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We love to welcome campus visitors, but before you make your plans, please note that amazing changes are underway at the CIA campuses during the summer and our visiting hours and restaurant hours may be affected.
Please note that classes for degree and certificate program students at all of our U.S. campuses will not be in session from July 27–August 20, 2018. Classes will resume on August 21.
The CAPS Office provides confidential personal counseling to CIA students, free of charge. Services include individual counseling or "talk therapy," crisis intervention, support, and educational programs. Our office number is 707-967-2443.
Our office also provides referrals to specialized services off-campus, with coordination of care.
Our office is staffed with a licensed therapist(s) who can assist students with personal, social, emotional, and substance-related concerns. Some examples of concerns students bring to counseling are:
Why seek counseling? Our mission is to help students succeed at CIA. We know the fast pace of student schedules and offer solution-focused interventions—such as cognitive-behavioral therapy—that can be beneficial. Even for students who have had prior counseling, we can help design strategies that reduce stress and help you to manage the new challenges of a college environment and deal with problems that arise.
Confidentiality and trust are very important to the counseling process. Counselors abide by California State laws and professional ethics to ensure that students' personal information is protected. CAPS visits are not part of a student's academic record.
The CAPS Office is in the Rhode's Room, located in the outer entry hall of the building. Counselors generally work by appointment, in order to set aside sufficient time to talk with students and explore concerns. Office hours are Monday through Friday, 8:30 a.m.–5 p.m. Please note that our offices are closed during summer and winter break periods.
Consultations are available for students and parents to plan for a student's support and/ or treatment needs, prior to arriving on campus. Call 707-967-2443 to schedule a telephone consultation.
Greystone Counselor/Therapist:
Kathleen Herrera, LCSW
Licensed Clinical Social Worker
MSW, University of California at Berkeley


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C.W. Post Shows No Mercy To Mercy In 105-43 Win
Dec. 11, 2008
Courtesy of Mercy College
DOBBS FERRY, NY - The Mercy College men's basketball team fell by a score of 105-43 to visiting C.W. Post, ranked No. 9 in the nation, on Wednesday.
Mercy College (0-6, 0-3 ECC) was led by junior David Brown's (Ardsley, NY) 10 points and sophomore Jimmy Gunville (Raynham, MA) added nine points. Sophomore Kortney Parker (Mount Vernon, NY) chipped in eight points and grabbed five rebounds
The Mavericks got off to a quick start, jumping out to an early 10-4 lead on the heels of a pair of three-pointers by Gunville and a layup from senior Justin McMullen (Brooklyn, NY).
After C.W. Post (5-0, 3-0 ECC) scored five straight points to pull within one, Mercy went on an 11-3 run, getting five points from senior Michael Marin (Flushing, NY) and four from Brown to build its largest lead at 21-12 with 11:15 left in the first half.
With Mercy ahead 23-15, the Pioneers took a timeout and then exploded for a 32-6 run to close out the first frame with a 47-29 advantage. They hit six three-pointers during the stretch, getting three from Gilbert Montalvo, a pair from Kenny Burkes and one by Nicholas Carter.
C.W. Post kept the pressure on out of the break and stretched the lead to 29 at 60-31 on a Lyndon Daniel layup.
The Mavericks cut the gap to 60-35 with 14:23 to go on back-to-back layups from Parker and Brown, but the Pioneers were too much to handle as they pulled away and closed it out.
C.W. Post hit 57 percent from the field, including 62 percent in the second half, and connected on 14-of-29 three-point attempts for the game. The Pioneers had seven players score in double-digits, led by Kevin Spann's game-high 21 points. Daniel registered a double-double with 10 points and a game-high 18 rebounds.
The Mavericks shot 48 percent from the field in the first half, but were held to just 5-of-28 in the final 20 minutes. Brown finished 5-for-10 from the floor and also grabbed seven boards.
Mercy College will be back in action on Saturday, December 13, when it hosts Southern New Hampshire in a non-conference game at 2:00 p.m.


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Following a 30-year bull market in bonds, the implications of entering a rising-rate environment has most investors puzzled.
For as long as many investors can remember, fixed-income allocations have always been the "safe" parts of their portfolios. Yet, with interest rates at historic lows due to unprecedented government stimulus over the past few years, investors have been forced to take on more risk in search of yield.
That has led many bonds to be "priced for perfection," as the lower yields often might not compensate for the risk associated with those securities, much less the decline in bond prices that accompanies a rising-rate environment. Therefore, with a Federal Reserve rate hike likely to occur this year, further upside in credit is limited, at best, and we believe it is crucial to protect against the potential downside.
Investors have been given a second chance to diversify their fixed-income allocations. Going into 2014, the consensus expectation was that rates would increase, yet they ended up declining even further. Coming into 2015, the consensus is that rates will remain under control, and given Fed Chairwoman Janet Yellen's comments last month, the earliest possible hike might not come until September.
However, as we saw in the summer of 2013 when Ben Bernanke's statements incited a so-called "taper tantrum," it does not take a large move in rates to cause a significant sell-off in credit markets — in fact, even the fear of an impending hike could be sufficient to spark a move. That is the reason we believe it can pay to hold true long/short credit exposure as we approach a rising-rate environment.
Not only do the short investments in long/short credit funds provide effective buffers, but they can also enhance returns significantly based on the manager's credit-picking skill.
While traditional fixed-income allocations might offer the same ability to take long positions in the bonds of undervalued companies, the ability to short the bonds of weaker companies, or to buy protection on them in the form of credit default swaps, can act as a powerful hedge and return-enhancer when the credit market cracks. This can be a compelling bond alternative for investors who want credit exposure that is not dependent on market direction.
We have always believed in the value of having exposure to this less directional approach to investing in both bonds and stocks, and recently increased our exposure to long/short credit given the fixed-income opportunities available in today's environment. The distinct ability of these managers to fundamentally analyze companies to determine the winners and losers in different economic cycles, and then apply that analysis toward building a balanced book of both long and short investments, can create a defensive portfolio for various market environments.
Not only do the short investments in long/short credit funds provide effective buffers, but they can also enhance returns significantly based on the manager's credit-picking skill.
Long/short credit strategies are particularly compelling when managers look beyond the fundamentals of the companies to consider the market dynamics as well. For instance, if capital were to continue to flow into fixed income, then it is important that managers do not "fight the market" — they must be willing and have the flexibility to dynamically adjust their positioning, which can help them monetize the current market while maintaining safeguards to protect the portfolio should the tide turn. This type of active management and trading can be critical in times of higher market volatility.
It is widely anticipated that the increased volatility and dispersion will persist this year, and given current credit valuations and the upcoming Fed tightening, fixed-income investors need to take steps to cushion themselves. Therefore, we believe it can be very valuable to hold exposure to credit strategies that can invest both long and short. Not only do those strategies have the potential to protect capital in down markets, but they also have the ability to profit from them in a conservative, flexible and defensive manner.
Dorothy C. Weaver has served as principal, chairman and CEO of Collins Capital since co-founding the firm in 1995. She formerly was chairman of the Federal Reserve Bank of Atlanta, Miami branch.


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What is a URL?
Uniform Resource Locator - The address of a site on the Internet (a.k.a. The World Wide Web). It is in the form: protocol://hostname.domain.name/directory or file_names/file_name.file extension For example http://www.statcounter.com is a URL.
Answers to the majority of questions we receive can be found here in the knowledge base.
- What is a URL?
- Les Visiteurs Uniques - explications


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IPU develops, designs and constructs manufacturing process- and production equipment with high level of technology based on the latest- process and material engineering knowledge – and tailored to customers' needs. IPU has extensive experience in converting research and development in manufacturing processes into efficient industrial manufacturing equipment for the processing of metals, plastics and concrete as well as in handling and assembly of components and products.
Tip a friend about the page "Eng. design and automation".
Fill out the form and send an e-mail with a link for this page, and a comment for your friend.
In their report, the EU-project "SuperSmart Supermarket" documents the usability of IPU's software Pack Calculation Pro and describes it as one of the most valuable tools for planning commercial refrigeration systems.


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Concert Info
Date: April 01, 2017
Time: 7:30 PM EDT
City: Brooklyn, New York
Venue: BAM Howard Gilman Opera House
Presenter: BAM
Kronos joins a stellar lineup of musical luminaries who are coming together for one night only to pay tribute to Bob Hurwitz. For the past three decades, he has served as the visionary architect of Nonesuch Records, affectionately referred to as "the label without labels." At the center of this extraordinary celebration is a program of world premiere piano works dedicated to Bob by Nonesuch artists—John Adams, Laurie Anderson, Timo Andres, Louis Andriessen, Donnacha Dennehy, Philip Glass, Adam Guettel, Brad Mehldau, Pat Metheny, Randy Newman, and Steve Reich—performed by the composers themselves and others. The evening also includes performances by k.d. lang, Mandy Patinkin, Chris Thile, Dawn Upshaw, Stephin Merritt, Devendra Banhart, and others who have worked closely with Bob during his tenure.


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San Marcos, California—October 28, 2014—The University of St. Augustine for Health Sciences (USA) has named Dr. Errin Heyman dean of educational effectiveness.
"Dr. Heyman has extensive experience in online education and has worked with institutions that have several health science programs," said Dr. Wanda Nitsch, USA's president and chief academic officer. "She comes with a strong background in regional accreditation, outcomes assessment and faculty development. We're excited to have her join our team and start working to advance faculty development and assessment practices."
Dr. Heyman will work closely with academic and administrative leadership to advance institutional effectiveness systems and to coordinate faculty development opportunities with the goals of enhancing student engagement and educational practices of faculty.
Dr. Heyman has more than 15 years of leadership and academic experience in postsecondary education having served as a dean, director and faculty member for a number of institutions. She most recently was dean of the School of Education at Jones International University in Centennial, Colorado, where she was responsible for curriculum, instruction, assessment of student learning, scholarship, strategic analysis and planning, and service.
Prior to her role at Jones International University, she served as the founding director of the Center for Excellence in Learning, Teaching and Assessment (CELTA) at West Coast University in Irvine, California. At CELTA she established and sustained a culture of assessment that facilitated achievement of student learning outcomes and encouraged innovation and scholarly discourse. She has also held positions at eCollege in Denver and served as an English instructor at Westwood College, the University of Colorado and Metropolitan State College.
Dr. Heyman earned her Doctor of Education in Educational Leadership from the University of Phoenix in 2010. She earned her master's and bachelor's from the University of Colorado, Denver.
USA is a member of Laureate International Universities, a network of more than 75 institutions in 29 countries and one of the most significant global higher education providers for health sciences.
About Us
The University of St. Augustine for Health Sciences (USA) is a graduate institution that emphasizes health science education through innovative quality classroom and distance education, and is a member of the Laureate International Universities network. Founded in 1979, USA has locations in San Marcos, California; St. Augustine, Florida; and Austin, Texas. The university is regionally accredited by the WASC Senior College and University Commission (WSCUC) and nationally accredited by the Distance Education Accrediting Commission (DEAC). USA's physical therapy programs are accredited by the Commission on Accreditation in Physical Therapy Education (CAPTE), and its occupational therapy programs are accredited by the Accreditation Council for Occupational Therapy Education (ACOTE). Degree offerings include the Doctor of Physical Therapy (DPT), the Master of Occupational Therapy (MOT), the Dual Degree Option (MOT/DPT), the Master of Orthopaedic Assistant (MOA), the Flexible Doctor of Physical Therapy (DPT) and the Flexible Master of Occupational Therapy (MOT). USA also offers the Transitional Doctor of Occupational Therapy, the Transitional Doctor of Physical Therapy, the Doctor of Education (EdD), the Doctor of Health Science (DHSc), the Clinical Orthopaedic Residency, the Orthopaedic Manual Physical Therapy Fellowship program, and continuing education seminars and certifications for currently licensed therapists. For more information, visit www.usa.edu.


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Elementary schoolhigh school
Be the first NOLA.com user to add photos or videos of Madisonville Elementary School
Madisonville Elementary School can be found at Highway 1077 317. The following is offered: Elementary Schools. The entry is present with us since Sep 7, 2010 and was last updated on Nov 12, 2013. In Madisonville there are 2 other Elementary Schools. An overview can be found here.


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It is with pleasure that we welcome you to our school website.
Notre Dame is an inclusive school, providing a high standard of Catholic Education. We are justly proud of our pupils' conduct, courtesy and academic, musical and cultural standards.
All our school community, including the staff and governors, believe that it is essential for our children to work in an atmosphere of high expectation and appropriate challenge, striving to live the aims of the school; believe, succeed and achieve in all areas of school life.
The curriculum is broad and balanced with many creative aspects and themed topics to help motivate pupils' learning. Additional expertise helps extend pupils' musical and artistic abilities.The content of this website provides you with information about our school. This ranges from our vision, ethos and curriculum to some of our policies and daily practise, but is only a snapshot of the whole community. Please feel free to contact the school if you would like further information.


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City of Clearwater, FLHome Menu
News & Info
LIVE Meetings
Live Meetings Link
Special Interest
- Preliminary Budget for FY 2017-2018 in PDF
- Meeting Schedule: City Council and Community Redevelopment Agency
- Clearwater Beach Voted #1 "Best Place to Watch a Sunset" in USA Today
- FY 2016/17 Annual Report
- Provide Your Input On Important City Topics From Home
- Current Watering Schedule
- Citizens Guide
Clearwater Connect
You can contact the city of Clearwater by selecting a category that best matches your concern. A ticket will be opened which will allow you to track your request online and view any steps taken to resolve the issue.
All City News
Halloween Celebration and Fun Set for Downtown Clearwater
Celebrate Halloween in Clearwater with the 3rd annual Downtown Funk Block Party and Bar Crawl set for 6 p.m. to midnight Friday, Oct. 27 on the 400 block of Cleveland Street.
The family-friendly block party will celebrate the season with a costume contest, pumpkin carving, trick-or-treating, live games and photo booth. A DJ will spin tunes and awesome vendors will sell a variety of items.
Starting at 8 p.m. is the bar crawl for adults. Purchase a $10 wristband for five beers.
At 10 p.m., the Rocky Horror Picture Show will be shown at the Capitol Theatre, 405 Cleveland St., with a shadow cast presented by the Cheap Little Punks.
The event is sponsored by the Downtown Clearwater Merchants Association and the Clearwater Downtown Development Board.
For more information, contact Anne Fogarty-France, downtown manager for the city of Clearwater's Community Redevelopment Agency, at (727) 562-4044 or email@example.com.


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August 22, 2015
Back to the Basics: A CNP Payments and Fraud Primer, Part 2
By Karisse Hendrick, Editor-at-Large, CardNotPresent.com
As kids, many of us dream of becoming a fireman, a ballet dancer, a ball player or a pop star. A card-not-present payments and fraud professional? Not so much. For most, ending up in your current career was a happy accident. There are no college courses that prepare you to set up or manage CNP payment processing, nor are there are any standardized courses on fraud management. Because there's no clear career path, everyone comes to their job with a varying degree of understanding regarding the plumbing of the industry.
At CardNotPresent.com, we often are asked for a basic explanation of the overall payments process by individuals throughout the ecosystem and at many levels of experience. A review of basic information can help merchants understand the partners they need and help providers better understand the role they play in the ecosystem. Last time we looked at the payment, authorization and settlement process. Today, we examine the basics of merchant processing fees—what they are, how they are structured and when you can negotiate them. If this is a review for you, pass it along to someone you think it will help. If you don't need it as a resource, someone in your organization does.
Understanding Merchant Processing Fees
While each partner in the CNP payments process has a separate fee structure, the most complex statement a merchant receives every month is likely from its payment processor. Understanding these fees, and which fees are negotiable, is vital from a cost perspective.
When online and mobile merchants partner with a payments provider to accept cards, it is important to remember there are two types of fees: those that go to your processor and those that flow through to issuers. Interchange is the fee paid to the bank that issues the card used in a transaction that is processed through your merchant ID. All other fees on your statement most likely go to your processor.
Understanding and Optimizing Interchange
Interchange is typically a percentage of the value of a transaction plus a flat fee that is paid directly to the issuing bank by your merchant processor. There more than 700 different interchange categories defined by Visa, MasterCard and Discover card. Revenue from interchange helps issuers pay for the cost of lending the funds to cardholders, rewards programs, and other operating costs, such as fraud and credit review programs.
The interchange percentage rate varies based on credit card type, the type of merchant and the way the transaction was processed. Some of the factors that affect rates include type of card (e.g., the interchange rate usually is higher for a credit card with a rewards program than a standard credit card with no rewards program), Address Verification Service status and type of merchant.
These fees differ by card brand and are not negotiable, though there are process improvements that can "optimize" interchange. Processing AVS, settling a transaction within three days of the authorization and ensuring that your business is properly explained utilizing the correct Merchant Category Code are some of the ways to ensure that you are paying the best possible interchange rates for each transaction. Additionally, programs like 3DSecure for CNP transactions can also lower the interchange paid by up to 15 basis points (.15%). Ultimately, optimizing processes to decrease interchange can also lead to improving the way you do business, which has impacts beyond a cost savings benefit.
One fairly recent change to interchange rules as been the Durbin Amendment, part of the Dodd-Frank financial reform in 2010. This amendment limits the interchange rate for regulated debit cards to a maximum of $.22 cents + .05% per transaction. This change was expected to save merchants over $8 billion in its first year. However, unless your payment provider is charging you on an "interchange plus" or "interchange pass-through"—rather than "bundled"—basis, it can be difficult to tell if you are getting any savings. Interchange plus is more transparent: The processor is only passing on the interchange paid for the transaction to the merchant, with no additional fees. It is fairly easy to tell if this is the pricing structure your processor is using by looking at the interchange section of a recent merchant statement. If you see rows of interchange codes and various types of interchange fees, most likely you are set up on this system.
Bundled pricing generally is set up in a bucketed or tiered structure that places all interchange fees into a number of buckets or tiers. The most common approach processors use is a three-bucket approach, applying terms like qualified (best pricing), mid-qualified (middle rates) and non-qualified (the highest interchange rates) to all 700+ interchange categories, and sometimes charging the merchant the average rate of each of the interchange rates that make up each bucket. Others will charge the merchant the highest interchange rate in each bucket. This interchange pricing structure most often is found in small to mid-level merchant accounts. Most processors offer both interchange-plus and bucketed pricing, though they may have minimums for the amount of dollars processed through a merchant account before upgrading from tiered pricing to the more transparent billing process. It is important to understand which pricing structure you have, especially when comparing potential processing partners. While one processor may have smaller percentages for other fees, if they pass on interchange in a tiered structure, it may be cheaper to pay a higher rate overall, but have pass-through interchange rates.
Understanding Processing Fees
All other non-interchange fees most likely go to your merchant processor to cover costs associated with processing and depositing your transaction volume. The main fee paid to your processor is known as a "merchant discount rate." Because "discount" usually is associated with a cost-savings, this term can be deceiving. In this case, it is the fee you pay your processor. Unlike interchange, which varies by the network associated with the card used in the transactions, processing fees apply equally to all Visa, MasterCard and Discover transactions (American Express charges their fees as a combination of interchange and processing fees, as they are both the issuer and merchant processor. This article assumes that most Visa and MasterCard processors also process and charge for Discover).
Your processing fee can be charged in several ways. In some cases, it is a straight percentage of your transaction volume. Or, like interchange, it could be a hybrid between a percentage and a per-transaction fee (e.g., 2% + $.10 per transaction). In some cases, the discount pricing is separate from interchange, while in others it is "bundled" for an inclusive percentage plus flat rate, making it difficult to know which fee is going to which party.
There are several factors to consider when determining the best pricing structure for your business. One is your company's average ticket price. For example, if the average transaction amount for a business is $10, it may be more advantageous to be charged a straight percentage, over less basis points, but with a per transaction fee. If your average transaction is significant, a smaller percentage + a per-transaction amount may be better.
Miscellaneous Fees for Payment Processing
You may also face additional charges like authorization or settlement charges. Authorization fees are charged for each transaction that is sent through the authorization process, while settlement charges are typically per batch, though sometimes they can also be per transaction. Knowing your business is always key when setting up a merchant processing contract. For example, if your business is digital delivery, you may have a card-testing fraud issue. As an example, if you pay $.10 per authorization, you could be paying for each attempt made on your website without being paid for those transactions, due to fraud. Alternately, if you have a high rate of authorized transactions being settled, it may make sense to have an authorization rate, if that translates to a smaller discount rate. Settlement charges are not charged to all merchants, but may be beneficial, depending on its impact to the overall processing rates.
International payment processing brings additional fees such as foreign exchange and currency conversion fees. Working with your processor to understand these and to know if it is better to process payments locally or cross-border in each market is in your best interest. The answer typically depends on each country and the volume processed, so consulting with your payment processor or other experts in the industry is the key to minimizing international processing costs.
Chargeback fees, including notification and re-presentment fees, are also common, though they vary significantly. As with all charges, knowing your business is key in accepting these line items in a contract. In most cases, it is unrealistic to request $0 chargeback fees, as there are costs to the processor to process the chargeback. Should your chargeback rates exceed the limits set by the card networks, you may be charged an excessive chargeback monitoring fee. This fee is passed on by the processor from the card networks and cannot be negotiated or changed. It also may impact your overall risk profile, increasing the rate you pay your processor for future transactions. Some processors may also require a reserve deposit or x day hold on transactions being deposited into your bank account to lessen the risk to them as well, especially when a business is just starting out or had a sudden spike in chargebacks.
While this list is not an exhaustive, it should account for the majority of the line items you are paying your processor for. As evidenced by this list, fee structures vary by each processor, and also by merchant. Processors are assessing your risk level to their business, as well as your average ticket size, total volume and other factors to determine the rate they will charge you for processing your transactions.
It's Negotiable (Maybe)
It is important to understand the different types of fees you are being charged and if the rates you are paying are competitive. Aside from interchange, these rates are not standardized or regulated and are open to negotiation with your processing partner. But, it's important to look at your business holistically. While one charge may seem high, it may make up for a less expensive rate somewhere else. Some experts recommend going through the RFP (Request For Proposal) process every three years or less to determine if your rates are competitive. This process is especially important if there have been significant changes to the transaction volume.
While understanding the terms and where the fees go, it can be difficult for a merchant to know the most competitive rates specific to their business model. Most enterprise level companies employ dedicated resources or teams of experts to continually monitor payments fees and to negotiate better rates. But, for merchants that do not have these dedicated experts, there are companies that advocate and negotiate for them to ensure they receive the fairest pricing from their current or prospective processor. Howard Goldstein, Regional Director at Merchant Advocate, is one such expert.
"The payment processing industry is confusing and the waters are muddy. Merchants needs someone on THEIR side and we're the ones who work and advocate on their behalf," explains Goldstein. "We know what the market will bear, what's reasonable and not reasonable for a merchant to pay in fees, dependent on the business model and other factors in the industry."
Companies like Merchant Advocate engage with processors to negotiate lower rates for merchants. In the cases where they can't agree with the current processor, Merchant Advocate works with preferred processing partners to set up a new account. Goldstein sees this as an opportunity to "regulate an unregulated business and to redistribute funds to help businesses be more successful", and as businesses put money back into their business to grow, this can, in turn increases the processing volume.
When exploring a new processing relationship, it is also important to note that price should not be the only factor when determine the best partner for payment processing. Customer service, technical compatibility and other services provided by a processor, such as alternative payment processing and currency conversion in other countries are just a few of the other factors that should be considered when making the best decision. The old adage of "you get what you pay for" is just as true for credit card processing as it is for other aspects of business. It is also important to note that processors and issuers should not be seen as "the bad guys." Most are fair and ethical in their pricing. However, if your volume has increased or if you have a new business model, most also will not contact you when you qualify for a better rate. Merchants must be diligent in revisiting their contracts when needed.
The message? Even a basic understanding of the complexities of processing fees is helpful. It enables you to explain the line item to cross-functional teams and leadership, to facilitate communication with your processer and to know who is charging what, helping formulate an optimization strategy. If you are unsure of what constitutes fair rates in your market, however, contacting an advocate may be very beneficial, ultimately making you a hero in your company.
Read Part 3 of this CNP Series Report


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Did you know that Instagram now supports video?
For a few months now I've had it in my head to test out a micro film series on Instagram.
As I prepare to test out my concept and launch the series, you can follow along with the journey on my Facebook page where I'm documenting the process.
In this article, I'll take you behind the scenes with my thought process.
My original question was: How can I take a subject that is not super sexy (transit) and create emotionally engaging content in 15 seconds that people will want to watch? And not only watch, but want to talk about?
I've found a way to transform seeming dry or obscure content to something interesting and engaging with 3 minute pieces, and 5 minute pieces and even an hour long documentary about beards.
But can I do this with 15 seconds?
THE IDEA: Create short personal profiles
When I'm not working on my business or riding my bike, I'm working on my documentary project called MIND THE GAP. It started as a feature film project and has grown into a webseries and now Instagram project called DIALOGUES [IN TRANSIT].
The Instagram series, originally just photos, is meant to spark interest in transportation infrastructure and in how we move through our cities, how we can move better and more safely and how we can make better, safer choices.
This may seem like a tall order for 15 seconds.
It is, which is why I've been brainstorming ideas and plan experimenting with several approaches to the new microfilm series.
One of my initial ideas including a series of humorous sketches illustrating bad road behavior called "Would you…"
Another idea called "The Numbers" would compare statistics to show the true disparity in investments.
My initial ideas were rather complex. They would take time in researching statistics and finding creative ways to convey these ideas.
So recently I came up with another idea: Profiling people who use our streets.
Besides being much easier to execute, it fits in more naturally with the project title, DIALOGUES [IN TRANSIT].
The idea behind this series is to humanize the people who are on our streets. Unfortunately this idea has been born out of seeing so much bad behavior on the streets of San Francisco from all users of the roads.
Pedestrians who walk into intersections after being at a dead stop looking at their phones, not being aware that a car or bike has stopped, looked, waited and starting moving based on the fact that you were not moving.
Bikes who zoom through pedestrian crossings on a red light.
Cars who zoom in front of bikes and make a sudden stop to let out a passenger, or who park in the bike lane for any reason.
Bad behavior is on the rise.
And my hypothesis: so much of bad road behavior comes from a lack of empathy towards other people on the road.
So let's build some empathy.
My initial micro film series will be giving voice and a face to people who use the roads.
I plan to film five people for each type of road user. I've developed a set of And I'm going to experiment with how I present people based on what access I have.
To start opening up the conversation about how we behave on the roads.
To get the conversation started, we need views. The Mind the Gap Instagram account currently has 61 subscribers. I'll need to increase that number through mentions on Facebook and in my newsletter.
I also have started talking to organizations who have publicized my web series content in the past to let them know this is coming. Those people I've talked to have said yes, they'd share!
I'm reaching out to new organizations like Walk San Francisco to partner with them for subjects as well as outreach.
And this time around, I'll be reaching out to larger media outlets.
If you want to follow the process and get ideas for how you can launch a microfilm series on Instagram, or have experience you want to share, like my Facebook page.
Click here if you want to check out the MIND THE GAP Instagram page itself.
And if you liked this article, please click the HEART below and send a little love?
Have a question or comment, leave one below or head over to FB. Thanks for following!


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A very interesting landscape is gradually emerging in the Nigerian terrain. There is this culture of writing, debate and contribution of ideas which is slowly growing. Several otherwise quiet and unperturbed voices are beginning to render their very valued contributions. The young ones who hitherto felt such issues as politics is only for the old and retired are seeing things in new light. Many now rather see the need to collectively as a people work for the good. No wonder our elders wisely say there is always cause for thanksgiving, in all things there is some positive trait. Here, the point in focus is the removal of the fuel subsidy and the robust discussion it has engendered. Nay, the fervent desire for positive change in governance which it has aroused across the nation. Indeed the struggle is already being won. For good causes start with the mind, just like a football match is won outside the pitch in the real sense. And I think our people's mind is coming together and working right now. The only fervent hope is that it lasts.
Within this whole excitement for change and 'occupation of all possible places' as many have called for however, it is important that some carefulness be maintained lest the whole savour of change being sought turns sour. I do think there is the need for focus, order and thoroughness even if the bubbling zest for change might want to suggest otherwise. I know that icy pacifism or some inactive belief in God will not do us much good. It never does any good anyway and much less in the reality that we now face in the country. Karl Marx had said so much about that, and he is right in a good number of ways in spite of his several flaws. Sure we must be pro-active. But the truth remains that this is a democracy. The much fiefdom or violence being carried on might not create much appreciable change. If anything at all, it would bring so many people untold sorrows and pain. Enough to cite is the mosque that was burnt in Benin during the week and the reported loss of life. If that were all, that would be fine, since nothing good comes without a sacrifice. But that probably will not be all. For almost certainly at the end of it all, if we do not get focused in this whole zest for change, the shame of all time will emerge: the military. Many facts point to it that that simple word 'military' is not unconnected with the backwardness we are laboring under today. While several nations were advancing and developing, military rule indeed repressed the Nigeria and was contented in keeping her repressed than seeking any lofty development of the economy. 'That is for politicians' it must have said to itself. Though we know even the politicians did not quite on the long run justify that wrong belief of the military!
Many who have reflected on the way things are going claim it may not be independent of the desire and designs of some cabal which has allegedly sworn to make the nation ungovernable for the present administration. If we follow their promptings without focus and planning, then we lose the sense of the whole call for change. And at the end of the day we would wish we went a more tactical way. It is quite easy, fueled by our anger and frustration with what Jonathan is doing, to rise up in protests and engage in what some refer to as occupation. Whether it would last without the risks I have mentioned above is another thing. The other option that may not be easy for us to quickly accept, but which I think is the less traveled but surer road, is to begin to work from the point of view of law and order. The real evil of the country is indiscipline and corruption, not even Jonathan, not even the subsidy imbroglio. Thus if we are to make a headway that would last, we should begin to direct the same passion, zest and maybe even anger at the institutions that make and enforce our laws. It is from there that the government is run. And to the extent to which bad laws are passed or good laws do not work due to indiscipline and corruption, to that extent shall we continue to protest and 'occupy Nigeria' futilely. It will not end. We may succeed in getting fuel subsidy replaced, (which for now I would concur is ill-timed since adequate preparation for its removal is not in place, and so this is not actually the germane point here), but the cabals would continue to eat up the country in several other ways. What might effectively end our woes in this richly blessed country however is for us to go back to our source and with this same passion and protests, make the engine room of our democracy work: laws and discipline. It is only a law which is alive and active that would go after politicians that have stolen the nations' billions (which by the way would fix the almighty electricity problem of Nigeria in a matter of years), recover those billions and prosecute those political robbers who today not only walk about heads high but are chairmen at several occasions! Some even have the audacity to say they want to contest for national positions! It is only a working law that would make sure the institutions in the government are up and doing and every one is on his toes, accountable to the last kobo. It is only a working and potent law which would set up our several statutes & constitution, fortify our institutions and eventually seep down to affect positively the life of the ordinary Nigerian. But as we noted earlier, this is a much more difficult path to follow, even though it will at the end of the day give us a robust and healthy change. We got quite a choice to make here.
At the end of it all, what is being canvassed for here is for us not to rest on our oars with the present protests and think we are making a headway. Apart from the risk of the military and the sorrows of violence, we shall not quite reap the best of fruits that are there to harvest in the country's vine. Much more that needs to be done is a radical look at the workings of our laws and governance, making it become a non-tolerant stance against corruption, indiscipline and mediocrity. One would want to look forward, for instance, to the day our Constitution and basic laws would be better adapted to the need of Nigeria at this critical time and make it mandatory for each one, and particularly in public office, to not only declare his assets but be able to prove how he amassed such asset. One would look forward to a constitution that has such a bite so much so that if such aforementioned person is not able to clearly prove the source of his assets, with proper details of taxes and payables, jail should be his home. This is just an instance. Without passion for such as a pragmatic constitution like this, our protest shall be toothless.
Hence, rather than let this passion for change and these protests end in the streets, the greater passion should be taken to the National Assembly, to the House of Representatives, to the processes for choosing our leaders, to our elections, to the budgets of the several tiers of government(not just the Presidency or national budget), to the management of the national resources. In one word, the protest must metamorphosize into a thirst for a non-negotiable transparency in governance particularly. If such passion and desire for true change that we have witnessed in the protests of the few days is geared towards these aforementioned, Nigeria will be on her feet in a matter of years. And that change will filter down quickly from the ruling class than one can imagine.
In conclusion I would add: let the passion blow on and lead the mind of Nigerians to stand up and fight, first and foremost, the battle of the mind in our fatherland. Victory starts with the mind. It is there that great battles are initially won or lost. After all it is because we are poor in mind and have let some clueless leaders herd us into following them sheepishly that we are where we are today, following their ways of corruption, scrambling for crumbs while they cart away the whole grand cakes. No more of crumbs, let us reason and reason well. If there is any revolution to be begun at all, it is the revolution of laws and discipline, the revolution of governance and accountability. The whole subsidy issue, for me, is merely a call to open our eyes and see beyond. Enough of crumbs in a land flowing with milk and honey. It is about time Nigeria stood up on her feet and take her position in the committee of nations. It is about time her leaders proved they are worthy to be called by that name, leaders. Enough of unplanned, hasty, fire brigade-acts like the provision of a 1, 600 buses for a 160 million people.


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|1,800 sq ft
|Property type
|Minimum Stay
|3 nights
Magnificent villa 4 bedrooms /3 bathrooms – large swimming pool –Private and exclusive gated community. Enjoy a perfect family vacation. There is plenty of space in the large screened deck, ideally for everybody relaxing in the sun beds while all enjoy the pool. There is also a covered lanai designed to accommodate the entire family. The villa is fully air conditioned and it has been luxurious furnished .The master bedroom has a king bed, 20" plasma TV & DVD an also doors leading out onto the pool area, an en-suite bathroom with a separate shower. The second bedroom has a queen bed, 20" plasma TV & DVD and a separate bathroom. The third bedroom has two twin beds, TV & DVD; the fourth bedroom is the Mickey's room specially decorated for the kids with TV and DVD. There is a central 3rd bathroom for these rooms. The beautifully living/dining area has a 7 seats leather sofa, a 42" plasma TV, DVD and an PlayStation console with video games. High Speed Wi-Fi Internet is available in all areas
Kitchen: The kitchen is fully equipped with dishwasher, microwave and fridge/freezer with ice-maker. All cooking utensils and crockery, cutlery and glassware are provided. In the utility area we have a washing machine, separate dryer.
Our July's vacations were so good. The house is spacious, comfortable and very clean.
We liked very much, the pool is fantastic and very clean. We had fun
Definitively I will book the house again,
Thanks ! Recommended for other families...
Enjoyed our stay. Only issue was there was no lid on the trash can and a raccoon got into the trash.
The villa is luxurious, it has everything you will need for your holiday, the pool is south facing and benefits from the sun all day long. This is our second time at this villa and would definitely use it again, thank you
The house was equipped with everything we need. Nice comfortable beds, only thing missing was a larger shower head in the master room in the back. Will stay again on my next visit!
Thank you, we really enjoyed our stay in your home. The kids enjoyed the pool and the pool table. The couch was super comfy and accommodated all of us to watch a movie. The kitchen was well stocked with plates and cups, and pans. For future guests. I would recommend bringing your own pillows, and starter kit of cleaning supplies.
There is plenty of room for two families to share. Thank you, we would stay again.
We loved staying in this property. The house was very clean and well maintained. Proximity to Disney parks made it convenient for our family. Really appreciate the great communication from the owner. Will definitely return for next vacation!!
Superbe villa, dans un endroit calme propre et de haut standing.
Situation proche de tout.
Equipement répondant bien à la description.
Literie de bonne qualité. Un endroit où je ne manquerai pas de revenir lors d'un prochain séjour à Orlando.
Cumbrian Lakes is a gated community with children's playground, sparkling lakes with wildlife and walks and jogging trails. Less than 15 minutes from main Disney theme parks, Sea World and Universal ; only 4 minutes from the 192 in which you will find a variety of shopping and all type of restaurants . The villa is also very close of other famous attractions such as Medieval Times and Arabian Nights. There is also a 24 hours Super Walmart at 5 minutes driving. Golf courses are only minutes away. Orlando Int. Airport at 20 minutes.
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Monthly *
|Event Price
My Standard Rate
3 night minimum stay
for 3 nights
|Property Damage Protection
|Cleaning Fee
* Approximate monthly price. Actual pricing will depend on the days of the month you stay.


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SOURCE: PowerStream Inc.
August 08, 2016 15:00 ET
Hotter Than Usual Summer Temperatures Could See Increase in Electricity Bills
VAUGHAN, ON--(Marketwired - August 08, 2016) - PowerStream is offering a number of conservation tips to help customers better manage their electricity costs during a summer experiencing hotter than usual temperatures.
Energy usage climbs substantially during periods of hot weather, especially for those customers who use air conditioning, dehumidifiers or have a pool. Also, appliances such as refrigerators and freezers work harder to maintain temperature under these conditions.
Electricity bills usually increase as a result of warmer weather, which is why PowerStream is offering these tips to help customers mitigate the impact:
In addition to conserving electricity, PowerStream also points out that reducing water consumption can help lower household costs. The utility recommends customers consider the following:
PowerStream is a community-owned energy company providing power and related services to more than 380,000 customers residing or owning a business in communities located immediately north of Toronto and in Central Ontario. It is jointly owned by the Cities of Barrie, Markham and Vaughan.
eStream - Blog.PowerStream.caFacebook - PowerStreamPageTwitter - @PowerStreamNewsInstagram - @PowerStreamGramYouTube - PowerStreamTVLinkedIn - PowerStreamIncGoogle+ - +PowerStream
Image Available: http://www.marketwire.com/library/MwGo/2016/8/8/11G109648/Images/SummerDays_30-2013-2016-YYZ-d460754a42db86aa83bac59bd92f8f9f.JPG
Eric FagenVice President, Corporate CommunicationsMedia Line (24/7): 905-532-4400 Email: firstname.lastname@example.com: www.PowerStream.ca
Eric FagenVice President, Corporate CommunicationsMedia Line (24/7): 905-532-4400 Email: firstname.lastname@example.com: www.PowerStream.ca
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According to Environment Canada, during the months of May, June and July, the year 2016 has produced the greatest number of days with temperatures reaching and/or exceeding 30 °C within the last three years.
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One of the most worthwhile things you can do in Belfast is take a Black Taxi Tour. These tours involve a local cab driver taking you into the areas most affected by the Troubles giving a first-hand account of the conflict. Tours generally include the murals in the Protestant Shankill Road and Catholic Falls Road, fortified police stations and the sites of various terrorist bombs. There are several companies offering these tours including the highly recommended Belfast Black Taxi Tours:
Black Taxi Tours
Our address
- Telephone 028 9064 2264
- Website www.belfasttours.com
- Tours cost £25 for one or two passenger tour; £10 per person for larger group
- Open Mon–Fri 8.30am–8pm, Sat–Sun 9am–7pm


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User friendly program
21/01/2015 | By admin |
Pacific Day Surgery has changed from a Unix based system to a Windows based system (SimDay®). The staff members who were less familiar with computers were concerned with learning a new program but by the end of the first day of training these staff members were confident and competent with SimDay® as this is a very user friendly program.
When training new staff we find that people pick the program up in a matter of days. There is no need to get a representative to come in and train new staff but if needed we would be able to organize this.
Whenever any problems occur or help is needed SimDay® assistance is always readily available, even when our facility is opened at 7am when normal business hours are from 9am. If assistance is unavailable our phone calls are always returned promptly.
SimDay® is beneficial to our facility as we are able to locate and track the stages of a patient without consulting with another member or staff. It is easy to determine if a patient is yet to arrive, admitted, discharged, billed and coded without going to different screens. SimDay® is also used by our accounts department and nursing staff not just the reception.
Our facility would recommend Simday® to other businesses as we are very happy with the program and service provider from ACSS.


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For $399, Lafont's look is "fresh and fabulous."
In the age of multi-tasking, Paris-based eyewear maker Lafont has come up with glasses that mimic the look of mascara and false eyelashes. A Huffington Post writer calls them "the perfect solution for those days when you don't have the time or the energy to put on eye makeup or falsies, but still want to look fresh and fabulous." The glasses, called PLAIRE, retail for $399.
Read more and see images at Huffington Post


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Saumen Sarkar
PHOTO : President Trump's historical maiden speech at United Nations New York on Tuesday. Sep 19,2017
"Wherever true socialism and communism has been adopted it has brought true devastation and failure," : US President Donald Trump at United Nations at New York on Tuesday.
Trump asked every country to be "prepared to do more to address this very real crisis."
Donald Trump's hard hitting speech on Tuesday, Sep 19,2017 targeting communists, socialists for all destructions "socialism has been faithfully implemented" in Venezuela.
"Wherever true socialism and communism has been adopted it has brought true devastation and failure," Prez Trump cited an example like oil rich Venezuela which is now suffering from acute poverty.
President Trump, in his first speech before the United Nations, launched a rhetorical broadside Tuesday at "rogue regimes" including North Korea, Iran and Syria – while pointedly warning Kim Jong Un that the United States will "totally destroy" his country if he does not turn back from the nuclear weapons path.
President Donald Trump addressed more than 150 international delegations at the UN General Assembly for the first time on Tuesday, laying out the tenets of what he calls principled realism.
He began the clearly-themed speech by explaining America first in a way members have not yet heard.
"As President of the United States, I will always put America first just like you, the leaders of your countries, should put your countries first," President Trump explained.
U.S. is far and away the largest provider of financial contributions to the UN. In 2015, the U.S. provided 22% of the UN budget and 28% of the peacekeeping budget. Meanwhile, China pays just 8% and Russia pays around 3%. The disparity gives the U.S. great leverage over the UN, which past presidents have been hesitant to use.
"This is our hope: we want harmony and friendship, not conflict and strife," he said. "We are guided by our outcomes not our ideology."
US president turned his attention to Venezuelan President Nicolás Maduro, whom he called a "socialist dictator." He called for the full restoration of democracy in Venezuela.
"Maduro has inflicted pain and suffering of the good people of this country," Mr. Trump said, adding that the situation in Venezuela is unacceptable.
"We and all others have a goal," he said. "That goal is to help them regain their freedom and restore their democracy."
He thanked the UN for condemning the regime and providing support to Venezuela. The Trump Administration has unilaterally leveled two rounds of sanctions related to the crisis, one against Maduro himself and another again the regime.
"The problem in Venezuela is not that socialism has been poorly implemented. It's that socialism has been faithfully implemented," he said, a remark that received a tepid response from members of the leftwing globalist delegation. "Wherever true socialism and communism has been adopted it has brought true devastation and failure."
Anti-Industry, anti-economic-growth politics by Indian communists created millions of unemployed youths in West Bengal during 30 years rule. Tripura's 24 years Communist rule produced over 8 lakhs umemployment.
"No poverty-No communism" is the key theory as Communists need poor masses for Politics" - Communism thrives on mass poverty so its natural that evils of communism will always bring devastation & economic failure.
- Modi's 'Acche Din' hypes resulted 'Bure Din' in 4 yrs
- JUMLA ??? FAKE promise of 7 Lakhs Jobs creation within first 30 months
- Time for more Work, less Lectures : An analysis why out of BJP ruled 21 states, only one is in top five best-governed States
- Modi Govt's New Law not enough to stop Mob Violence
- Dear CM, where is fund for AIIMS in Tripura ? Stop FAKE promises, Modi's 13 AIIMS within 48 months turned JUMLA


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- About
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As probably the biggest single financial commitment that someone will make in their lifetime Bigmore Associates understand the personal and financial significance of this. We provide a comprehensive mortgage service whether you are a first time buyer, remortgaging your home or purchasing an investment property.
Buying and selling homes can be a stressful process. So as well as organising the loan, we'll liase with the estate agents and solicitors involved, to ensure that the whole transaction proceeds as smoothly as possible.
At Bigmores, we pride ourselves on our expertise across the board when it comes to different mortgage products, and the various personal and financial situations of those looking to apply for them. Nonetheless, we'd like to highlight some areas of specialism where we feel we offer clients added value.
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