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Balance Support with answers to Frequently Asked Questions on NeuroCom Balance Solutions!
We are compiling your FAQs, more FAQs will be added soon!
Clinical Support
Where can I located information about attending clinical training on NeuroCom Balance Systems?
Natus offers a live NeuroCom Clinical Integrations Seminar (CIS) in the USA, Europe and China, check the website for a course agenda, dates and locations. Click here for more!
If you cannot attend one of these live seminars, please email our education manager email@example.com to find out more information about how you can access CIS online on demand learning.
Where can I locate clinical user manuals?
The following helpful resources are saved on every NeuroCom Balance System desktop:
- NeuroCom Instructions For Use
- NeuroCom Getting Started Guide
- NeuroCom Clinical Operations Guide
- NeuroCom Clinical Interpretations Guide
Can't find it? Email email@example.com to ask for a copy – have your system serial number ready.
Who do I contact for clinical related questions?
After you have reviewed the Clinical Operations & Interpretation Guide, if you need further clarification, please email us at firstname.lastname@example.com.
Warranty Service
What is the term of the manufacturer's warranty on NeuroCom Balance Systems?
Natus Medical Incorporated warrants to the initial purchaser that each new Warranted Product, as defined below, purchased hereunder will be free from defects in workmanship and materials for Twelve (12) months from the date of its initial shipment to Purchaser. The Warranted Product is defined as: NeuroCom Balance Manager® Systems including VSR, VSR SPORT, Basic Balance Master, Balance Master, PRO Balance Master, SMART Balance Master, Equitest, SMART EquiTest, Equitest CRS and SMART EquiTest CRS, inVision, D.A.T a and cables.
Click here to view the product warranty statement.
I am a researcher and I am looking for published literature on the validity and reliability of NeuroCom Balance Systems, where can I find this?
NeuroCom Balance Systems are the most widely researched balance platforms in the world! You can search our Bibliography click here or do a more general Google or PubMed search.
I would like to start doing research again do you have any ideas on research topics?
Natus Medical often receives requests for research on balance, as a medical device manufacturer we look to the clinical market to satisfy those needs. Click here for a list of ideas for research studies for publication.
I have specific questions about how NeuroCom balance systems work, who should I contact?
Email us at email@example.com
Static Balance Systems
My VSR, VSR SPORT, or Basic Balance Master just arrived and the system is plug and play, where can I get my orientation other than the Instructions For Use?
Every Static Balance System includes access to our Education On Demand (EOD) website, please provide the following information to your local Natus District Sales Manager or email firstname.lastname@example.com for access to NeuroCom E-Institute today:
- Facility Name/Address
- Your Name
- Your Email
- Your System Serial Number
How do I reach Technical Support?
For technical questions, please email firstname.lastname@example.com or call 1-800-303-0306.
Dynamic Balance Systems
I really enjoyed our initial system in-service where can I find this information?
Great question, there are two helpful tools:
- Getting Started Guide located on your NeuroCom computer desktop in the Product Documentation folder.
- Register for the upcoming free online Balance eSeminar "Getting Started with NeuroCom Balance Systems – Overview In-Service" September 22nd at 8am PST (11am EST) – click here to register!
We did not purchase ADD-ON option inVision (NCM-INV-D) or the Long Force Plate (NCM-LFP) and we have extra money in the budget, can we still purchase these add-ons?
Yes, please email your local Natus District Sales Manager or firstname.lastname@example.com and we will sent you a quote today!
We are moving locations where can I locate information on how to re-install our larger Dynamic NeuroCom Balance Systems?
The Dynamic NeuroCom Balance System Service Manual include detailed instructions on how to assemble a system. Also here is a webinar prepared by our service team click here!
How do I reach Technical Support?
For technical questions, please email email@example.com or call 1-800-303-0306.


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Lace Shaping
Sew lace seamless across your garment with these couture tips and tricks.
Use couture techniques while attaching lace seamlessly to a base garment. Learn how to shape lace over seams, darts and around edges. Build your dictionary of laces from Alencon to Venise. Work with beads, pearls and sequins.
A PFI SIP N SEW EVENT. You bring your kit. We'll bring the snacks!Syllabus File

subset: commoncrawl


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Most milk in Hyderabad is unsafe to drink
milk in Hyderabad is unsafe to drink, is milk in hyderabad safe to drink, is packaged milk safe to drink for children, milk consumed by children in hyderabad is unsafe, is milk packets safe to drink for children
Hyderabad people beware as the milk you give to your child everyday before school and at night is unsafe for drinking.
A new report submitted by the GHMC commissioner to the state human rights commission following a complaint says eight brands of packaged milk were either found to be unsafe or sub-standard, after they were examined by the state-run Institute of preventive medicine.
Some of these brands belong to multi-national as well as well-known dairy companies.
The new report comes months after police busted a huge milk adulteration racket in the city in which some miscreants were caught mixing hydrogen peroxide with water and inferior quality milk powder and sell them as packaged milk.
Surprisingly in 2011, a milk survey undertaken by Food Safety and Standards Authority of India (FSSAI) found AP to be in the 'mostly safe' zone compared to other states in the country.
But when contacted on Monday, FSSAI officials called for strong action against the guilty firms.
"If there are brands which have been categorized under unsafe, then it is a cause of concern," Pradip Chakraborty, director FSSAI told TOI from New Delhi. "These companies will attract sections 50 to 63 under Food Safety Act. Apart from being slapped with penalty, the managements of these companies are liable to face criminal charges," he added.
Health experts said adulterated milk adversely affects human health in numerous ways with scientists saying that adulterated milk mostly contains salmonella, e-coli and other chemicals.
"It is a clear sign that polluted water is being used in the processing of these packaged milk," said Veena Kshatrugna, leading nutritionist from the city.
"The immediate affects of consuming the adulterated milk can be frequent gastroenteritis, high fever and typhoid," she said.
Adulterated milk consumed for a prolonged period could weaken the immunity of the body, said Suhatha Stephan, another practicing nutritionist from the city.
Officials sitting on report, alleges city RTI activist
"The initial signs may be intestinal disturbances, but those consuming it regularly may fall prey to various other ailments too over a period of time," Stephan said.
The complainant, Achyuta Rao, activist and petitioner in the case said he was hopeful that strong action would be taken. "I first filed this case in January 2013 in the human rights commission after I had got some milk samples tested which proved adulteration," he said.
The Human Rights Commission has however decided to post this matter to January 23, 2014, a good four months after the report was tabled without considering the seriousness of the issue.
"It is shocking that officials are still sitting on the report and not doing anything. The commission should have given directions and closed the case. One should understand that milk is majorly consumed by children and it is having devastating effects on their body," Rao said.
But so far no action has been taken by the authorities on these milk manufacturers even after being in possession of laboratory evidence.
"This case is in the purview of the GHMC commissioner and we will act once he instructs us on it," said a senior of health department, GHMC dodged questions on why they were taking so long to act.


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We are extremely excited to announce that Core Photography was selected as the 2016 winner in the category of Photographer in the Kitchener Waterloo Region.
This is such a great honour and I am very thankful to all of my clients who have trusted in myself and in my photographers to capture and create their Wedding and family portraits.
Thank you


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Ok, so you get a bunch of monks together in RL and what the FUCK do they talk about?
How they pulled XXX and how they split XXX and how they FDed successfully on the mob XXX.
Equip? no
HP? no
DPS? no
how many times FD failed and they pullled the mob to a corner and took the death smiling? yes
/salute TF Monks
(no disrepect, but try playing a class that has been on the SOE shitlist for as long as a monk and feel the burn)
- Mal


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Home › Forums › Leadership and Management › How Do You Define Culture in Your Organization?
This topic contains 6 replies, has 6 voices, and was last updated by Ken Boxer 6 years, 8 months ago.
January 30, 2012 at 8:30 pm #151285
Ken BoxerParticipant
During a recent conversation about managing organizational change at our Annual Organizational Development Roundtable this question was raised. I am wondering what is your answer to this question?
January 31, 2012 at 4:19 am #151297
Ken BoxerParticipant
To get the ball rolling, here are the top ten ways I would define the culture at my organization:
- Values Based
- Focused on the Customer – understanding the needs of the customer and delivering results based on what we hear
- Virtual – We have a team of people around the nation and access to people around the world
- Focus on Delivering Value – everyone is interested in doing things that make a difference
- Honest – with our clients, partners and ourselves
- Values Making Things Happen – many talk about making things happen but we value action
- Loyal
- Practice What We Preach – we use the tools we recommend
- Based on Partnership – we try for the win for our partners, contractors, SPI and ultimately what is a win for the client
- Nimble – because of our size and structure we are able to adjust to changes in the marketplace and respond to client needs
January 31, 2012 at 4:48 pm #151295
Dorothy Ramienski AmatucciParticipant
I define culture as the mores and norms associated with a given office or organization. This can be anything from a dress code to what's acceptable as a cube decoration to telework options.
January 31, 2012 at 5:04 pm #151293
Joseph PorcelliParticipant
We define culture using this framework:
- Our Attitudes:
- Our Values:
- Our Goals:
- Our Everyday Practices:
- Our Yearly Traditions:
- Our Weekly Rituals:
- Our Everyday Norms:
February 1, 2012 at 5:48 pm #151291
Visionary and mission-driven
February 2, 2012 at 12:48 pm #151289
Terrence HillParticipant
My own organization does not have a defined culture, but is an amalgamation of separate cultures. I have to say that I envy Zappos, which has a solid culture built on 10 Zappos Family Core Values. They publish a "Culture Book" each year, which is full of quotes from employees about how they live these core values. Truly inspiring!
Check it out at the Zappos Family Core Values website, including a video of Tony Hsieh, the Founder and CEO.
Culture: establish "committable core values"…
Every employee is asked to live & breathe the core values and inspire the culture in others.
1. Deliver WOW Through Service
2. Embrace and Drive Change
3. Create Fun and a Little Weirdness
4. Be Adventurous, Creative, and Open-Minded
5. Pursue Growth and Learning
6. Build Open and Honest Relationships With Communication
7. Build a Positive Team and Family Spirit
8. Do More with Less
9. Be Passionate and Determined
10. Be Humble
February 2, 2012 at 1:58 pm #151287
Candace RiddleParticipant
Great question. I'm dong a research project on this topic as we speak. More so I want to discover how the culture of the individuals within an organization affects the ability to build capabilities overall.
You must be logged in to reply to this topic.


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BLOOMBERG HEADLINE: Consumer Bureau to 'Nudge' Americans Toward Rational DecisionsPosted by on June 03, 2011
June 3, 2011
"While the academics may suggest giving consumers a 'nudge,' by the time Washington gets finished, this nudge has become a shove, if not a punch in face."
Read the full story below.
By Carter Dougherty
The Harvard University law professor in charge of setting up the bureau, Elizabeth Warren, used tenets of behavioral economics to propose creating the agency. Michael Barr, a former assistant Treasury secretary, said he was guided by some of its ideas as he helped write provisions of the Dodd-Frank Act's overhaul of financial regulation. And last month, the bureau hired a Harvard economist steeped in the field, Sendhil Mullainathan, to serve as its head of research.
"The CFPB is almost certainly at the forefront of using behavioral economics for regulation and is the only agency I know of that has a significant player in this field on staff," David S. Evans, a banking industry consultant and lecturer at the University of Chicago Law School, said in an interview.
The consumer bureau will write and enforce rules for a broad array of credit products, including mortgages, credit cards and payday loans. Lenders are likely to have to alter their products, marketing and business models to comply.
As a result, business groups are beginning to study up on behavioral economics. The Financial Services Roundtable recently invited Mark Calabria, director of financial regulation studies at the Cato Institute, a Washington-based policy research group, to brief lobbyists about how behavioral economics influences the consumer bureau. The roundtable includes major retail financial services players including JPMorgan Chase & Co., Bank of America Corp. and U.S Bancorp.
Rational Decisions
Behavioral economics emerged in the last two decades in reaction to the prevailing assumption that consumers are fundamentally rational, making decisions that maximize their economic interests. Behavioral economics, influenced by psychology, asserts that consumers are often irrational or unable to make the optimal decisions.
Daniel Kahneman, a professor of psychology at Princeton University, won the Nobel Memorial prize in economics in 2002 for his work in the field.
Some behaviorists say patterns of irrational decision- making can be observed empirically, and policies designed to help consumers make more economically rational choices.
Credit Cards
One example of a recent policy based on ideas from behavioral economics was the Credit CARD Act of 2009. Behavioral research suggested that consumers tend to overestimate the savings from credit cards with no annual fees, and underestimate the costs of carrying a balance. In response, Barr said, federal officials revamped credit card statements to require issuers to tell consumers how much it would cost them in fees and interest to carry their balance for a certain length of time.
"That lets the consumer more rapidly adjust behavior to what they want," Barr said.
One behaviorist is already in a prominent position in the Obama administration: Cass Sunstein, head of the White House Office of Information and Regulatory Affairs. Sunstein, a legal scholar, published a book with University of Chicago economist Richard Thaler in 2008 called "Nudge: Improving Decisions About Health, Wealth and Happiness."
Critics contend that whatever the value of behavioral insights in economics, it may be unwise to apply its lessons to law, policy and regulation.
'Nudge' versus 'Shove'
"While the academics may suggest giving consumers a 'nudge,' by the time Washington gets finished, this nudge has become a shove, if not a punch in face," Calabria, a former staffer for U.S. Senator Richard Shelby of Alabama, the top Republican on the Senate Banking Committee, told the lobbying group on May 11.
Evans argued in testimony before a House Oversight and Government Reform subcommittee last week that Thaler and Sunstein represent "soft paternalism" among academics.
Warren's writings, he said, show a preference for "hard paternalist interventions."
"I don't think Elizabeth has preconceived theories, contrary to the way she is often portrayed," Lawless said in an interview. "She has always liked the data."
Raj Date, the CFPB's associate director of research, markets and regulations, said that the long-running debate on paternalism is one reason why legislators limited the new agency's powers.
"That debate will rage on long after we are all dead," Date said in an interview. "Congress set out guidelines and constraints as to what the bureau can and cannot do."
For example, the House rejected a proposal by Barr, a professor of law at the University of Michigan, that would have required financial institutions to offer "plain vanilla" products, such as the 30-year fixed-rate mortgage.
Date, a former executive with Capital One Financial Corp. and Deutsche Bank AG, pointed out that credit card companies routinely run tests before rolling out new products or advertising campaigns. "That kind of test-and-learn discipline can be imported into policy-making," Date said.
Barr said that other Dodd-Frank provisions also reflect the influence of behavioral economics, particularly Title X, which created the CFPB. "The basic structure of the bureau is designed around having the agency do consumer testing and empirical analysis," Barr said in an interview.
'Genius' Award
Barr, together with Mullainathan and Eldar Shafir, a professor of psychology and public affairs at Princeton University, wrote a 2008 paper called "Behaviorally Informed Financial Services Regulation" that helped guide his work in the Treasury Department. Mullainathan received a so-called genius fellowship from the John D. and Catherine T. MacArthur Foundation in 2002, and has conducted research on aspects of consumer finance including mortgages, marketing and insurance.
Barr and others wrote provisions in the law directing the bureau to create a new mortgage disclosure form, combining two separate ones that had been developed by the Federal Reserve and the Department of Housing and Urban Development.
Warren has made this requirement her signature issue in setting up the bureau, which recently released model disclosure forms. It has also hired Kleimann Communication Group, a Washington-based research firm, to test the forms with consumers.
'Poorly Informed'
Warren herself relied heavily on behavioral economics for her 2008 paper, "Making Credit Safer," in which she and Oren Bar-Gill, the primary author, made the first detailed case for the creation of what became the consumer bureau. "Indirect, behavioral evidence reinforces a vision of poorly informed consumers," the two wrote.
Date said that the research division Mullainathan will head at CFPB could employ experts from a range of fields including psychology, marketing, sociology, law, and especially economics.
In addition to consumer decision-making, it will have to develop expertise in credit, finance, marketing, and capital markets.
"If you understand those five things, you get it," Date said. "If you don't understand all of them, you don't."
The opinions expressed below are those of their respective authors and do not necessarily represent those of this office.
Post a Comment


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On Sunday we had a library program in which we invited patrons to create a dish featured in a mystery novel and bring it to share. The program was a delicious success! For those of you that didn't make it, here's a sampling for the recipes & mysteries featured:
Uncle Tom's Butterscotch Brownies
From Aunt Dimity's Good Deed by Nancy Atherton
Makes 16 Brownies
- 1/2 cup melted butter
- 2 cup dark brown sugar
- 1 1/2 cup flour
- 2 teaspoon baking powder
- 1 teaspoon vanilla
- 2 eggs
Preheat oven to 375 F. Butter 9″ square cake pan. Mix all ingredients well. Spread in cake pan and bake for 35-40 minutes or until dry on top and almost firm to the touch. let cool 10-15 minutes. Cut into 2″ squares.
Meatballs in Tomato-Garlic Sauce
from The Perils of Paella by Nancy Fairbanks
Serves 8-10
- 1 large onion, finely chopped
- 2 large green pepper, finely chopped
- 4 tbs. olive oil
- 2 lbs ground beef (Courtney used ground turkey)
- 1/2 lbs ground pork
- 2/3 cup fine dry bread crumbs
- 1 1/2 tsp. salt
- 1/4 tsp ground nutmeg
- 1/3 cup parsley leaves, minced
- 6 large garlic cloves, minced
- 1 can whole tomatoes with juice (33 1/2 oz)
- 1 tsp. oregano, dried and crumbled
In a 9″ cast-iron skillet, cook onion and green pepper over moderate to low heat, stirring occasionally, in 2 tbs olive oil until vegetables are softened. Cool mixture.
In a large bowl combine the onion mixture with ground meats, bread crumbs, salt, nutmeg and parsley. Form level tbs. of mixture into balls. In skillet heat 1 tbs. olive oil over moderate to high heat until hot (not smoking ) and brown meatballs in batches, shaking skillet frequently so they keep their shape, and adding 3 tbs more oil as necessary.
Transfer browned meatballs with slotted spoons to a bowl.
In a 6 qt. pot, cook garlic cloves in 2 tbs olive oil over moderate to low heat, stirring about 15 seconds. Add can of tomatoes and oregano and simmer, breaking up tomatoes.
Add meatballs and simmer, covered, occasionally stirring gently, 25 minutes or until meatball are tender and sauce is slightly thickened.
Serve meatballs with toothpicks, or use slotted spoon to move meatballs to heated serving dish.
Boil sauce gently, stirring until thickened.
Season sauce with salt and pepper and spoon over meatballs.
Penny-Prick Potato Casserole
from Sticks & Scones by Diane Mott Davidson
- 6 medium potatoes (or 12 small-2 lb, 9 oz), peeled
- (Recommended: Yukon Gold)
- 1 small garlic bulb
- 1 tablespoon olive oil
- 2 tablespoons unsalted butter
- ½ cup milk, approximately
- ½ cup whipping cream
- 1 cup freshly shredded Fontina cheese
- ⅓ cup freshly shredded Parmesan cheese
- ½ teaspoon salt (or to taste)
- ¼ teaspoon white pepper (or to taste)
Preheat the oven to 350 degrees. Butter a 9- x 13-inch pan.
Bring a large quantity of salted water to a boil. Place the potatoes in the boiling water and cook until done, about 40 minutes.
While the potatoes are cooking, cut a piece of foil into an 8-inch square. Quickly rinse the garlic bulb under cold running water and pat it dry. Place the bulb in the middle of the foil square and carefully pour the olive oil over it. Bring up the corners of the foil and twist to make a closed packet. Put the foil packet with the garlic inside into the oven and bake about 30 to 40 minutes, or until the cloves are soft but not brown. Carefully open the package, remove the garlic bulb with tongs so it can cool, and reserve the olive oil.
When the garlic cloves are cool, remove them from their skins. Using a small food processor, process the garlic until it is a paste.
Drain the potatoes and place them in the large bowl of an electric mixer. Add the garlic, reserved olive oil, butter, milk, cream, cheeses, salt, and pepper. Beat until creamy and well combined. If the mixture seems dry, add a little milk. Scrape the potato mixture into the prepared pan. (If you are not going to bake the casserole immediately, allow it to cool, then cover it with plastic wrap and refrigerate for up to 8 hours.)
Bake for 15 to 20 minutes (10 or 15 minutes longer if the casserole has been refrigerated). The casserole should be hot through and slightly browned. Test for doneness by scooping out a small spoonful from the middle of the casserole and tasting it.
Queen of Scots Shortbread
from Sticks & Scones by Diane Mott Davidson
makes 16 scones
- 2 sticks unsalted butter, softened
- ½ cup confectioners' sugar
- ¾ teaspoon vanilla extract
- 1 ½ cups all-purpose flour
- ½ cup rice flour or all-purpose flour
- ¼ teaspoon baking powder
- ¼ teaspoon salt
Preheat the oven to 350°F.
In the large bowl of an electric mixer, beat the butter until it is very creamy. Add the confectioners' sugar and beat well, about 5 minutes. Beat in the vanilla. Sift the flours with the baking powder and salt, then add them to the butter mixture, beating only until well combined.
With floured fingers, gently pat the dough into two ungreased 8-inch round cake pans. Using the floured tines of a fork, score the shortbreads into eighths. Press the tines around the edges of each shortbread to resemble fluting, and prick the shortbread with a decorative design, if desired.
Bake for 20 to 25 minutes, or until the edge of the shortbread is just beginning to brown. Allow to cool 10 minutes on a rack. While the shortbread is still warm, gently cut through the marked-off wedges. Using a pointed metal spatula or pie server, carefully lever out the shortbread wedges and allow them to cool completely on a rack.
The Whole Enchilada Pie
from Double Shot by Diane Mott Davidson
8 servings
- 1 lb ground beef
- 1 medium onion, chopped
- 2 cloves garlic, pressed
- 1/3 c. bottled picante sauce
- 16 oz can refried beans
- 10 oz can enchilada sauce-red or green
- 1 c. sliced,pitted ripe olives
- 1 t. salt
- 6 c. crushed corn chips
- 3 c. grated cheddar cheese
- Garnish: chopped fresh tomatoes, sliced lettuce, chopped green onions, avocado slices, sour cream
Preheat oven to 375º.Grease a 9×13 glass baking dish, In a large skillet, brown meat and onion and garlic. Add next 5 ingredients, reduce heat. Stir and cook until heated through. Remove from heat. Place 1 c of chips in bottom of dish. Put half the meat mixture over chips. Top with another cup of chips and half the cheese. Put in the rest of the meat mixture, rest of chips and rest of cheese. Bake 30-40 minutes. Garnish before serving.
Double Shot Chocolate Cake
from Double Shot by Diane Mott Davidson
- 10 ounces unsalted butter
- 10 ounces bittersweet chocolate, broken into small pieces (recommended brand: Godiva dark)
- 3/4 cup plus 3 tablespoons extra-fine granulated sugar
- 2 tablespoons Dutch-style cocoa (recommended brand: Hershey's Premium European-Style)
- 8 large eggs
- 1 teaspoon vanilla extract
Preheat the oven to 350°.
Butter a 10-by-1 1/2-inch heavy-duty round cake pan. Line the bottom with parchment cut to fit. Butter the parchment. Set aside.
Fill a 16-by-11-inch roasting pan with 1 inch of hot water, place the roasting pan on a baking sheet, and put it into the oven.
In the top of a double boiler, melt the butter with the chocolate. When the ingredients are melted, remove the pan from the heat to cool slightly. Sift the sugar with the cocoa twice, then whisk it into the melted chocolate mixture.
In a large mixing bowl, beat the eggs until they are foamy. Add the vanilla and the chocolate mixture. Blend with a spatula until very well mixed.
Carefully pour the batter into the prepared cake pan. Gently place the cake pan in the water-filled roasting pan.
Bake about 40 to 50 minutes, or until the cake begins to shrink slightly from the sides and a toothpick inserted in the center comes out clean. Place on a rack to cool for 15 minutes, then invert carefully and peel off the paper. Allow to cool completely.
Serve with sweetened whipped cream or best quality vanilla ice cream
Theodosia's Tea Scones
from Scones and Bones by Laura Childs
Makes 8 scones
- 1 tsp baking powder
- 1 tsp granulated sugar
- 1 cup all-purpose flour
- 1/4 tsp salt
- 1 tbsp orange juice
- 1/2 cup milk
- 1/2 cup raisins
Mix dry ingredients together in bowl, add orange juice and milk. Mix into a dough, then add raisins. Place 9 scoops onto a greased baking sheet, bake in preheated 425 degree oven for 15 – 20 minutes. Serve hot with plenty of butter and jam.
Thanks to all of our participants for their delicious contributions and fantastic reading suggestions!


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- December 9, 1944 - March 2015
- Plymouth, Illinois
of Nancy's Passing
Share This Obituary
Make a Memorial Donation
Tributes.com partners with over 100 national charities. It's easy and secure.Donate
Nancy was born on December 9, 1944 and passed away in March 2015.
Nancy was a resident of Plymouth, Illinois at the time of passing.
Nancy was married to Glenn.
Funeral services will be held at 11:00 a.m. Tuesday March 31, 2015 at the Hamilton Funeral Home in Augusta by Rev. Tom Spain. Burial will be in Rosemont cemetery in Plymouth. Visitation will be held from 10:00 a.m. until the time of services Tuesday.
Memorials may be made to the Rosemont Cemetery Association or St. Jude's Children's Hospital. The Hamilton Funeral Home in Augusta, IL is handling arrangements.


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Adam Scott: GQ Guy!
Adam Scott rocks a red Burberry coat in this shot from a spread for the April 2011 issue of GQ.
The 37-year-old actor's NBC series Parks and Recreation was recently renewed for a third season along with other hit sitcoms like The Office and Community.
Parks and Recreation, which also stars Amy Poehler and Rob Lowe, will return with new episodes on Thursday, April 14 on NBC!
Bigger pic inside…


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by Mike Masnick
Fri, Aug 15th 2008 3:51am
Filed Under:
copyright, copyright infringement, penalties, uk
When the "Gowers Report" on copyright first came out in the UK, we pointed out that it had a lot of bad ideas included. The one good point was that copyright length shouldn't be extended any more. So, now that the UK is planning to ignore that one good suggestion, it's moving forward with plans to implement the bad suggestions in the report -- such as increasing the fines for online copyright infringement by 10x. To be fair, this is focused just on "commercial-scale" copying where someone is profiting from the infringement. But, given how the recording industry works, how long until they look for ways to expand that definition or increase the fines for "personal copying" to keep them "more aligned" with the fines for commercial copying?
If you liked this post, you may also be interested in...
- Appeals Court Says Of Course Georgia's Laws (Including Annotations) Are Not Protected By Copyright And Free To Share
- UK Refreshes Stupid Porn Filter Law, Making It Fresher But No Less Stupid
- Streaming Exclusives Will Drive Users Back To Piracy And The Industry Is Largely Oblivious
- As Predicted, Australian Government Looks To Creep Site Censorship Into Search Censorship
- Art, AI & Infringement: A Copyright Conundrum
Reader Comments
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Anonymous Coward, 15 Aug 2008 @ 4:23amGiven that the entire claim from the recording industry is based around "copyright infringement is bad because we lose profit", they must assume that people would otherwise be buying the CDs... So by NOT buying them, people ARE "profiting" by copyright infringement, via saving money on not buying the CDs.
Willing to bet someone will try that argument, sooner or later.
RabC, 15 Aug 2008 @ 6:38am
Re: profitingYes quite correct .. the correct term should be profiteering not profiting
Anonymous Coward, 15 Aug 2008 @ 4:45am
SOUNDS LIKESome politicians have gotten a whiff of some sweet, sweet cash.
Anonymous Coward, 15 Aug 2008 @ 4:48am
Well at leastThe politicians in the UK have thier priorities right. There is no larger problem facing mankind then increasing copywright revenue generation for RIAA members. I mean the RIAA must employ 50 or 100 people in the UK alone and at least half of those arent even lawyers.
Killer_Tofu (profile), 15 Aug 2008 @ 5:33am
Re: Well at leastRe #3
I mean the RIAA must employ 50 or 100 people in the UK alone and at least half of those arent even lawyers.
Yah, they are lobbyists.
The i-Team, 15 Aug 2008 @ 5:41am
Typical British GovernmentThis is just typical of the British government. Ignoring report recommendations and what the public want in favour of who'll donate the most money...
Ima Fish, 15 Aug 2008 @ 5:46amI don't understand this at all. If someone breaks into my house and steals $100 from my wallet. Under the law I can't make him pay me $1,000 for the money he stole. I can only get back exactly what he stole.
Yet if someone downloads a song from the internet, suddenly the music industry can recoup damages beyond what they suffered?
Exactly which situation is worse? Exactly what situation do we want to stop?
Of course someone will chime in saying that downloading is widespread and the music industry is losing millions of dollars. So what. Why should the person who was caught have to pay damages for all the people who are not caught.
Let's assume that 10 different people, independently and completely unaware of each other, rob 10 different branches of the same bank. Should the one guy who got caught be forced to pay for all 10 robberies?! I don't see how that's fair or should be allowed under the law. But yet, that's exactly what the current music industry wants.
PaulT (profile), 15 Aug 2008 @ 7:31am
Re:They can't possibly prove how much (if anything) they've lost from non-commercial copying. They're suffering major backlash from suing people who they *think* might have lost them money in this way. So, they're looking to increase penalties against the actual pirates they can prove a real case against.
I understand your points, but this is a hell of a lot better than trying to copy the American situation. They'll still lose millions, but hopefully not doing so while dragging down ordinary, often innocent, families.
Ed, 15 Aug 2008 @ 6:50amI am in favor of making a simple distinction. Did the person profit from distributing (not receiving) the material?
If the answer is yes, then the company/person in question is entitled to the full "profit" they would have made, from the equivalent number of sales, plus all expenses incurred.
On the other hand, if the distributor made no profit, then a different law/section should apply.
Receiving a copy of a copyrighted work illegally benefits you the cost of "one copy". Regardless of the number of copies reproduced later during free redistribution. That does not make it morally or legally right, but it is real. No emotional plea changes that. A fixed charge of a couple of hundred dollars per redistribution offense is not unreasonable (the burned hand teaches best) but no more.
If that distinction is made "Within the Law", then I have no problem with it.
Anonymous Coward, 15 Aug 2008 @ 7:13am
It won't be longBut, given how the recording industry works, how long until they look for ways to expand that definition or increase the fines for "personal copying" to keep them "more aligned" with the fines for commercial copying?
I'm sure it will take no more than a few hours, if that.
Anonymous Coward, 15 Aug 2008 @ 8:39amwhats next, death penalty for downloading a song? RIAA needs to be WIPED OUT. They are killing the world with their BS!
Liam, 15 Aug 2008 @ 8:46am
riaayou guys understand what the last A in RIAA stands for right, America?
Completely different organisation over here.


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This page lists the album chart runs of George Michael. A list of songs by George Michael can be found here. The albums are listed with the most widely successful first.
Formed half of Wham!. The song Careless Whisper was released as a Wham! song in North America and a George Michael song everywhere else, so it has been credited to George Michael.
In addition to the above listed albums George Michael also contributed to the following entries:


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Offboarding Guide
An effective and consistent offboarding procedure for exiting employees is essential to protect the interests of both the employee and the University.
Benefits of Offboarding
Managers/Supervisors: Offboarding will
- protect the physical and intellectual property of the University
- ensure compliance with security and access issues with exiting employees
- assist with the transfer of the position to subsequent employees through completion of the Knowledge Transfer Template
Employees: Offboarding will provide
- information to employees upon their departure
- an opportunity to wrap up their projects
- knowledge of retirement, benefits, final payment procedures, etc.
- a sense of closure to the employee
Offboarding Procedure
- Manager or supervisor accesses the offboarding tools upon notification that an employee is leaving
- Manager/supervisor and employee complete and sign the
- Manager/supervisor ensures the completed offboading checklist is scanned to the personnel file through the Document Imaging System or, if scanning is not feasible, retained in the department


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Sir, we're detecting high levels of "Just as Planned"!
raw (mf) (if)
script (pastebin) (mf)
Thursday, June 28, 2012
Magical Girl Kazumi Magica ch 18
Labels: magical girl kazumi magica
5 comments:
- AnonymousJune 28, 2012 at 6:37 AM
- AnonymousJune 28, 2012 at 12:24 PM
Thanks for the quick upload man! I admire you a lot! Okay, now is getting too climatic and then I have two words: HOLLY CRAP!ReplyDelete
- AnonymousJune 28, 2012 at 2:05 PM
The story looks like Frankenstein written by Philip K. Dick.ReplyDelete
(SPOILER!) I think that character's name means "two girls" too, because everybody in her group is somewhat dual.Replies
- AnonymousJune 29, 2012 at 10:33 AM
I thought her name "Nico" was a reference to the video site nicovideo.jp duo to her special use of technology with magic(though her magic specialty is to create clones and other duplicates).Delete
Thanks so much for the update! Kazumi is getting CRAZY!!ReplyDelete
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Property Location
With a stay at Homewood Suites by Hilton Richmond - Airport in Sandston (Richmond Airport - Sandston), you'll be minutes from Virginia Aviation Museum. This hotel is within the vicinity of Dorey Park and St. John's Episcopal Church.
Make yourself at home in one of the 125 guestrooms, featuring kitchens with refrigerators and stovetops. 37-inch LCD televisions with cable programming provide entertainment, while complimentary wireless Internet access keeps you connected. Conveniences include desks and complimentary weekday newspapers, as well as phones with free local calls.
Rec, Spa, Premium Amenities
Enjoy a range of recreational amenities, including an indoor pool, a spa tub, and a fitness center. Additional features include complimentary wireless Internet access, concierge services, and gift shops/newsstands. Getting to nearby attractions is a breeze with the complimentary area shuttle.
Enjoy a satisfying meal at a restaurant serving guests of Homewood Suites by Hilton Richmond - Airport. Mingle with other guests at a complimentary reception, held on select days. While enjoying a refreshing dip in the hotel pool, you can order your favorite drink at the poolside bar.
Business, Other Amenities
Featured amenities include a business center, limo/town car service, and express check-in. Planning an event in Sandston? This hotel features 2625 square feet (236 square meters) of event facilities. A roundtrip airport shuttle is complimentary (available 24 hours).
Are you affiliated with Homewood Suites Richmond Airport? Apply to the Hotel WiFi Connect program to take control of your account, improve your hotel's confidence score and ranking.
© 2013-2016 Hotel WiFi Test Inc.


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Below are the available bulk discount rates for each individual item when you purchase a certain amount
Got a snail pest problem?
Well here your natural solution!!
Assassin snails will eat your pest snails!!!
Price Per: One snail (Juvi sized)
Discount for 6 snails ($2ea)
All snails are shipped in a breather bag with a type of moss and package in a foam lined box.


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There is a lot of knowledge in the Web CIPHER community. Here is your place to share it with others. If your organisation has a new report, an important event coming up, or an exciting career opportunity, we encourage you to use this space to share it with the community.
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Get a working Slack client for Ubuntu, complete with notifications and an independent icon. ScudCloud is the unofficial Slack client Ubuntu users have been looking for.
I'm not going to feign objectivity here: I think Slack is wonderful. It not only makes group communication easier Slack Makes Group Communication Faster and Easier Slack Makes Group Communication Faster and Easier Group emails can really kill productivity. It's time to put mail clients to rest and use collaboration services like newly launched Slack. Read More : it's a productivity godsend. It's everything Google Wave was supposed to be 4 Ways Google Failed to Change the World 4 Ways Google Failed to Change the World "We celebrate our failures," Google's Eric Schmidt once said. Google's had some amazing successes that have changed the world, but some of their attempts to do so have failed. With their famous "don't be evil"... Read More , except it actually works. MakeUseOf's staff is scattered across the globe; Slack acts as our newsroom, where we plan the stories you end up reading here.
But there's one problem: unless you're using a Mac, there's no desktop client, meaning you're stuck using Slack in your browser. Linux and Windows users are told to create an application icon using Chrome:
It seems like a Windows client is on the way, with nothing in the pipeline for Linux users. Meanwhile, the Mac Slack client integrates well with the system, offering native notifications and more. ScudCloud is an unofficial app that offers the same thing to Ubuntu users – here's how it looks.
A Slack Client For Ubuntu
Fire up ScudCloud and you'll see… Slack.
(Note: some of our channels are less productive than others).
Yes, this is basically just the web client in a window, but that's exactly what the Mac version offers as well. What makes this different is the system integration, starting with a notification count on the app's icon.
The app also offers Ubuntu users native notifications, meaning you won't miss the messages you've set up alerts for.
Be sure to fine-tune Slack's settings, so you only see the notifications you care about, or this could get overwhelming.
One of Ubuntu's overlooked features is dock menus, which you can see by right-clicking any icon in the dock. From here Scudcloud offers a quick way to directly open any channel you're subscribed to:
That's more or less the basic tour. It's simple, sure, but if you're a Slack team member who uses Ubuntu it offers the integration you've been looking for.
Install ScudCloud
Ready to install? ScudCloud is offered as part of a PPA, meaning you can install it with the following three commands:
sudo apt-add-repository -y ppa:rael-gc/scudcloud
sudo apt-get update
sudo apt-get install scudcloud
Here's what those commands do, in order:
- Adds the ScudCloud PPA to your system (what is an Ubuntu PPA? What Is An Ubuntu PPA & Why Would I Want To Use One? [Technology Explained] What Is An Ubuntu PPA & Why Would I Want To Use One? [Technology Explained] Read More ).
- Updates your package list.
- Installs ScudCloud.
Note that this is an Ubuntu-specific app, and the PPA will only work on Ubuntu-derived systems such as Linux Mint.
Replace Any Icon In Ubuntu – Including ScudCloud
I've only got one real complaint about ScudCloud: the icon. While it does fit in among Ubuntu's default iconset, nothing about it says "Slack" to me. For this reason, I looked into how to change the icon for any Ubuntu app – here's what I found out.
First, open the Terminal. Then, type this command to open your applications folder, in your file browser, as a super user:
sudo nautilus /usr/share/applications/
In the window that opens, find Scudcloud. Right-click it, then click "Properties". You'll see a window outlining the app.
Click the icon button at top-left, then browse your system to find a replacement icon. I used this unofficial Slack icon by designer Diesel Laws.
That's it! Your icon should be replaced – you may need to restart ScudCloud to notice the difference. These same steps will work for any application, of course.
How Do You IM On Ubuntu?
Slack is far from the only IM option on Ubuntu. Empathy can send messages to basically any network Empathy: Use One Application to IM Chat on All Networks [Linux] Empathy: Use One Application to IM Chat on All Networks [Linux] There are still plenty of people who use instant messaging networks to talk with each other, as it's very quick to exchange messages or ask a simple question. In fact, there are plenty of corporations... Read More , and Pidgin is another solid multi-platform IM app Combine All Your IM Accounts In One Application With Pidgin [Windows & Linux] Combine All Your IM Accounts In One Application With Pidgin [Windows & Linux] Pidgin is a free instant-messaging client that combines all your IM accounts in one simple application. Instead of running several different IM clients that display ads and eat up memory, just use Pidgin. All your... Read More . You could in theory use either as a Slack client in Ubuntu, thanks to IRC and XMPP integration. For most people, though, ScudCloud offers a way better Slack experience than these options – everything will work the way it does on other platforms.
I think Slack should point their Ubuntu users toward this unofficial app. It works.
Having said that, I'd love to hear more about how you use Ubuntu apps to keep in touch – with co-workers, or anyone else. What tools do you love for the job? Have you tried Slack? Let us know in the comments below – I'll be around to chat with you.
Oh, and Windows users: I know you're about to ask for a client. Look into SlackUI, which is similar to ScudCloud but for Windows. Enjoy!
Leave a Reply
Slack team released their own desktop client for slack in beta for Linux (Ubuntu and Fedora) users: https://slack.com/downloads
Some Ubuntu 12.04 users might forget to see ScudCloud's Github page to add the necessary PPA's: http://askubuntu.com/questions/610466/ubuntu-12-04-install-newer-libqtwebkit4-instead-2-2-1-for-scudcloud
ScudCloud has some memory issues, unfortunately :(
Christophe, you can disable Flash plugin to try a lightweight version: https://github.com/raelgc/scudcloud/issues/59
Thank you so much!
Notifications was the main problem in chrome-app.
Now it works great :)
You'll have to ask Rael! Respond to his comment above I'd say.
Richard, usually I take a screenshot and copy it to the clipboard. Then if you paste it in the input field, the Upload File will be displayed.
Hi Rael,
It seems to work now, I had clipit installed (which I was unsuccessfully trying out) which seems to be the cause.
Hi, thanks for this.
Any chance this could have an option to run at startup and close to the system tray?
Close to Tray just added. Please, update :)
Thanks, that was fast work!
Bug time:
When I take a screenshot and paste it into the chat, "Create Snippet" pops up.
One last tip: you can add spell checker to ScudCloud. Just add your language hunspell dictionary.
Open a terminal (Ctrl+Alt+T) and run, for english:
sudo apt-get install hunspell-en-us
Command 1 and 2 must be, each, 1 line long (as I can see the command 1 was wrapped).
Justin, ScudCloud author speaking here.
I've asked Slack team if I could use their icon or name, even making clear it's a unnoficial client. The answer was "No".
About your tip to replace the icon: the problem with that is the .desktop file or the .png will be replace at every new update.
Solution: you can use dpkg-divert command: it'll tell to apt that you moved a file from a package to other place. So, when this file get updated, dpkg will update your moved file and keep the new one.
Something like this:
1. Create the dpkg-divert entry. Open a terminal (Ctrl+Alt+T) and run:
dpkg-divert --add --rename --divert /opt/scudcloud/resources/scudcloud.png.real /opt/scudcloud/resources/scudcloud.png
2. Move your Slack image now to replace scudcloud.png:
sudo mv ~/slack.png /opt/scudcloud/resources/scudcloud.png
And here I thought you were going to write about Slackware.
Anything you write about makes feel better.
Didnt a beta for Windows come out a few weeks ago?


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This Swiss film, Tonight or Never, bears no relationship to the 1931 Melvyn Douglas/Gloria Swanson film of the same name. Instead, ballet, pantomime, tableaux, slow motion and other exaggerated techniques are effectively used to recount events during a European festival in which servants and masters briefly changes places. The soundtrack tellingly uses popular music of all...more
All Heute Nacht Oder Nie cast + crew photos
Movies.com, the ultimate source for everything movies, is your destination for new movie trailers, reviews, photos, times, tickets + more! Stay in the know with the latest movie news and cast interviews at Movies.com.
Copyright © 2018 FANDANGO MOVIES.


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Fatal Frame (PlayStation 3)
Published by
Developed by
Also For
Critic Score
100 point score based on reviews from various critics.
User Score
5 point score based on user ratings.
DescriptionMiku Hinasaki is a young girl with a strange sixth sense. Her brother, Mafuyu, and his mentor, Junsei Takamine, went to investigate a mansion that once was inhabited by a powerful landowner who had absolute control over the area. Unfortunately, they never returned from their investigation. Miku enters the mansion, armed with only an antique camera given to her by her deceased mother, to try to find her brother.
While inside the mansion, Miku will encounter ghosts and other spiritual apparitions. In order to overcome these spirits and survive, she must use the magical camera to capture the ghosts on film, thereby trapping them forever. Ghosts range from invisible fragments hidden in scenery, to memories of the past that appear only for a moment before vanishing, to full body apparitions that will attempt to attack and kill Miku.
In order to defeat an aggressive ghost the Camera Obscura's shot must first be "charged" by keeping the ghost centered while it is visible. If Miku snaps a shot while the ghost is attacking or is vulnerable then she will drain even more energy from it, resulting in more spirit points being earned. Points can then be spent to improve her camera's attributes or give it special abilities, like slowing a ghost or pushing it away. The Camera Obscura can also reveal clues and dispel illusions, which Miku will need to utilize to solve puzzles within the mansion.
There are no PlayStation 3 user screenshots for this game.
There are 26 other screenshots from other versions of this game or official promotional screenshots.
Promo Images
Alternate Titles
- "零~zero~" -- Japanese spelling
- "Rei Zero" -- Japanese title
- "Project Zero" -- PAL title
Part of the Following Groups
- Gameplay feature: Photography
- Games made into books
- Project Zero / Fatal Frame series
- Protagonist: Female
- Theme: Haunted house
- Video games turned into board / card games
User Reviews
There are no reviews for the PlayStation 3 release of this game. You can use the links below to write your own review or read reviews for the other platforms of this game.
Critic Reviews
There are no critic reviews for this game.
There are currently no topics for this game.
InspirationThe tagline of the North American release of Fatal Frame is "Based on a True Story." In an interview, the producer of Zero, Makoto Shibata, explains the story that inspired the game:
In an area outside Tokyo, there lies a mansion in which it's said seven people were murdered in a grisly manner. On the same property, there lie three detached residences that surround the mansion, all of which are rumored to have ties to the mansion's troubled past. It's said there is an underground network of tunnels that lay beneath the premises, but nobody knows who made these tunnels or what purpose they served.
Many inexplicable phenomenon have been reported occurring on the property. Bloody hand prints have been found splattered all over the walls. Spirits have been spotted on the premises… even in broad daylight. A narrow stairway leads to an attic where a spirit-sealed talisman is rumored to be locked away. Men have sought this talisman, only to be found later with their bodies broken and rope marks around their wrists. There's a crumbling old statue of a woman in a kimono, but its head is missing. If you take a photo of a certain window, a young girl can be seen in the developed picture.
These incidents have provoked fear in the people of Tokyo, and many believe that those who live near this area will become cursed. The deaths of those seven people are unexplained to this day."
Considering how this tagline does not appear on any other region's release, and how the only mention of the story appears online after Fatal Frame's release, this story was likely fabricated by TECMO's marketing division.
LawsuitThe developer of Fatal Frame, Tecmo, was quickly sued by the movie company behind Ghostbusters, claiming that the idea of capturing ghosts in a camera infringed upon the concept of Ghostbusters. The case was later dropped.
NovelThere's a novelization of the game. It's told from the viewpoint of Mafuyu Hinasaki and it's storyline is a little bit different. Unfortunately, its only in Japanese. It is called Zero: The Novel, ISBN 4840220654, available on The Japanese Amazon website.
Version differencesThe European and American versions of the game differ from the Japanese version. The main character, Miku's appearance and outfit have been changed to represent more Western people rather than Japanese.
Information also contributed by Daedolon, Donatello, j.jones and Lain Crowley
Related Web Sites
- Beyond The Camera's Lens (This is a Fatal Frame fansite devoted to uncovering the facts and fiction within/around Tecmo's Fatal Frame Game series.)
- Fatal Frame (The official English homepage of the game.)
- Wikipedia: Fatal Frame (Information about Fatal Frame at Wikipedia)
There are no game credits on file for this release of the game. Everything in MobyGames is contributable by users.


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Pet debt: How animals cost you
Steps pet owners can take to avoid excessive pet care debt
If only all our beloved pets were as lucky as former hotel magnate Leona Helmsley's Maltese, Trouble. Bequeathed millions after Helmsley's death in 2007, Trouble passed away in December 2010 after living in the lap of luxury. Vet bills? No problem. Round-the-clock care? Covered.
It's the rest of us bourgeois pet owners who routinely fall into debt as we struggle to pay for the care and feeding of our beloved furry, feathered or other nonhuman friends. And this upkeep can sometimes push us over the edge financially.
Upkeep versus over-keep
The real cost of a pet just begins at acquisition. In fact, Americans spend vast sums keeping their animals happy and healthy. The American Pet Products Association estimates that U.S. citizens will drop more than $50 billion on them in 2011, a figure which includes food, supplies, over-the-counter medicine, veterinary care, grooming and boarding.
"I think one of the most important things people forget is how to be a knowledgeable consumer," says Chicago based veterinarian Bruce Silverman. "After working in a huge number of [pet] hospitals, I've seen fees for services, medications and products vary all over the board."
Lynn Edwards, owner of Dirty Dogs Pet Services in Highland, N.Y., has observied the spending habits of pet owners for more than 14 years and notes that some owners go to selfless extremes. "People will give up something like taking their families to a movie or getting their own hair done so that they can get their dog groomed," says Edwards. "People will actually cook for their dogs or buy them a special diet to keep them healthy when they can't afford it."
Prepare for daunting veterinary bills
Of all the expenses that go into caring for an animal, it's the unexpected medical procedures that can derail a budget the fastest. Romping with Fido? A pet's torn knee ligament costs an average of $1,578, says a June 2011 analysis of claims filed with Veterinary Pet Insurance Co., which insures 485,000 pets in the United States and compiled a list of the 10 most-expensive pet injuries.
To get the best care, many pet owners sacrifice their financial stability. For example, Betsy Lampe of Highland City, Fla., says she willingly went into debt to pay for her dog Cheech's renal disease treatment, even while struggling with her own medical bills from her kidney cancer. "My efforts kept him alive for almost two years after diagnosis," says Lampe. "He lived to be 14." Her costs included Cheech's regular erythropoietin shots, which were $70 each, expensive lab work to assess his anemia and kidney function, and a constant stream of vet visits for examinations.
No one wants to be cheap when it comes to possibly saving a pet's life, and when faced with that choice without an emergency fund there, most pet owners are going to turn to credit cards to plug the hole.
|-- Kelley Long
CPA, personal finance coach
And as Tobi Kosanke, owner of Crazy K Farm in Hempstead, Texas, knows, it's not only mammals that can inspire overcharging. "I spent nearly $4,000 on the chicken love of my life," says Kosanke of her bird Lucy, who was ill and needed several exploratory surgeries to determine what was wrong. She had a specialist flown in, and his bill alone was $2,600. "Would I do it again?" asks Kosanke. "For Lucy, yes. I do not regret spending the money. I only wish she had survived. I am still paying down that credit card debt."
Still, big vet bills can be avoided. Silverman asserts that while top dollar can buy great pet health care, comparative shopping makes sense. "Pet care needs to be a team effort between pet owners and their veterinarian. In this way, people may avoid excessive debt," he says.
Pet insurance to the rescue
Kosanke learned from her experience. Today she has pet insurance policies on most of her animals, which runs just $12 per month in premiums per bird. "I have since had two chickens with similar problems to what killed Lucy, and one passed away under anesthesia, but the insurance covered 90 percent of her $800 bill."
Greg McFarlane, author of "Control Your Cash: Making Money Make Sense," is an advocate of these pet wellness plans. "The small monthly investment can save you from getting into big debt if you don't have the savings to cover something as common as a teeth cleaning," says McFarlane, who credits the insurance for saving him nearly $5,000 in pet care bills over the past three years.
According to Dr. Jules Benson, vice president of veterinary services at the pet insurance company Petplan, the average premium for a dog is around $30 per month and $17 for a cat. As with all insurance policies, you're hedging your bets. If your animal doesn't need expensive care, you're out the money. But if it does, the benefits can be monumental. "We have clients who have been reimbursed over $40,000 for their pets' health problems," says Benson. "It's simply not realistic to think these families would have been able to stay out of considerable debt -- or even afford the treatments at all -- without pet health insurance."
No insurance? You have alternatives
So what happens if you don't have pet insurance, but you're faced with a large bill that you can't cover with cash? Most veterinarians have partnered with companies that offer no-interest payment plan options.
per claim
|1. Intervertebral disc disease
|2. Stomach torsion / bloat
|3. Ruptured bile duct
|4. Laryngeal paralysis
|5. Intestinal: foreign object
|6. Tumor of the throat
|7. Broken leg / plate
|8. Torn knee ligament / cartilage
|9. Stomach: foreign object
|10. Ear canal surgery - ablation
|Source: VPI Pet Insurance, June 2011 analysis of 14,000 claims submitted by its 485,000 pet insurance policyholders in the U.S.
|Number of claims
|Cost per claim
|1. Intervertebral disc disease
|2. Stomach torsion / bloat
|3. Ruptured bile duct
|4. Laryngeal paralysis
|5. Intestinal: foreign object
|6. Tumor of the throat
|7. Broken leg / plate
|8. Torn knee ligament / cartilage
|9. Stomach: foreign object
|10. Ear canal surgery - ablation
|Source: VPI Pet Insurance, June 2011 analysis of 14,000 claims submitted by its 485,000 pet insurance policyholders in the U.S.
CareCredit, for instance, offers people a way to pay for vet bills over six to 24 months, finance-charge free. Mind, though, that to qualify you must have good credit and that GE Money Bank (the company offering these credit lines) will assess an annual interest rate of 26.9 percent to the balance if you don't pay in full within the agreed-upon time.
Of course, you can charge the expenses with your credit card, too, and many do. "No one wants to be cheap when it comes to possibly saving a pet's life, and when faced with that choice without an emergency fund there, most pet owners are going to turn to credit cards to plug the hole," says Kelley Long, a Chicago CPA and personal financial coach. If you do charge the bill, delete the balance within a few months to minimize interest from increasing the amount you owe.
Prepare for unexpected pet expenses
Above all else, develop a comprehensive cash flow plan with your pet in mind. Food, regular "wellness visits" to the vet, grooming and even pet-sitting services are easy to predict and need to be budgeted for -- just like one would budget for their own groceries, annual visits to the doctor and dentist, says Long.
Open a separate savings account for your companion's out-of-the-ordinary needs, too. "As far as budgeting for the unexpected illness, accident or even necessary dental cleanings, I advise at least a $500 pet savings fund to help with those times," says Long.
In the end, building the wide spectrum of animal care costs into your budget will go a long way toward avoiding crushing pet debt.
See related: 13 tips for reducing vet bills, Good dog, bad bill: Compare vet care financing options
- 5 steps to make sure your cards' credit limits are vacation-ready – Heading out of town? Make sure your credit limits are high enough to cover any surprises and costs while traveling ...
- Should you use a credit card as your emergency fund? – Credit cards come with myriad benefits, such as rewards and consumer protections, and can be a financial lifeline on rare occasions ...
- Credit card limit decreased? Why it happens, and what to do about it – A credit limit decrease can happen because your spending habits changed, or if your good credit is mixed up with someone else's bad credit ...


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Tower Droids
You can play Tower Droids free online shooting games at fogames. It has tags: Shooting,Defense,Helicopter,. It has 3160 total plays and has been rated 87.6% (24 like and 4 dislike), find the fun and happy day. If you want to play more shooting games, we find some of the game: Tower Droids 2, Turret Tower Attack, Bubble Tanks Tower Defense and Crystallium Wars Tower Defense. To play other games, go to the shooting games page, the defense games page, or just check out the new games or best games page.


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Try to plan your events and destinations with gaps catering for unexpected delays
Past News ReleasesRSS
Kent (PRWEB UK) 21 January 2013
It may sound a bit like construction when the term "build" is used beside the word Itinerary. However, it is very much like building or constructing a building. So let's start with the "foundation"
1. Foundation to building an itinerary: - Find all the areas of interest. Think about restaurants wishing to eat at. There may be theatres or special events that may be happening in the area that you may wish to attend. Do a lot of research for the area. The internet is a vast ocean of information that is current and up to date. Ask friends or family who may have visited that particular area before, as experience and word of mouth is one of the best ways to know the truth about a place.
2. Plan the time it would take to get from one place to another. Know the dates and times of events or festivals. If this section is not planned well enough, there will be crossing over of time for visiting areas and events and the frustration would be immense. Again, there are maps available online and the estimated time is there for travelling from one place to another.
3. Try to plan your events and destinations with gaps catering for unexpected delays. There may be change in weather, road works etc. so give enough time between each visit to avoid disappointment and stress, and after all it is a holiday. Schedule stops for food and to take in the environment and get acquainted with the locals.
4. After this point, you will know how many pieces of luggage needed for the trip and what type of luggage also. When and where to book accommodation and where you need to include car hire, if necessary.
5. This can now be brought all together by using one of the available phone app. These apps do all the work of organising everything and it just makes it so much easy in the end. There are apps like Trippit and a few others. Have a look at some of our links about these:-
Luggage Superstore's established site is in West Kingsdown, Kent. Their aim is providing competitive prices of the highest quality luggage and top calibre Customer Service for online luggage shopping.Luggage Superstore recommends Samsonite Luggage.
Trina Chee-a-kwai
Luggage Superstore
Email Information


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In the past couple years, engagement ring selfies have become a fixture on Facebook and Instagram. Usually accompanied by an "I said yes!" caption, it's basically the modern engagement announcement.
And, even if you can't get behind the idea of having plastic surgery in pursuit of the perfect engagement ring selfie — yep, that's a thing —there are some easier ways to put your best hand forward without getting needles involved, like getting a manicure, or using props. Click through for some of our favorite ring selfies from the past year.


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A Whisper of Silence to Beloved Japan
By Denis Plamondon
The March 11th 2011 disaster, following a massive earthquake and tsunami, destroyed away many lives and disrupted the existence of millions more. This devastation has triggered sorrow in our hearts and found its way to the core of our souls. We are astonished by the inconceivable images reported in the media, feel powerless and weighed down by profound sadness. It is with great concern that we offer our sympathy to all victims of this terrible tragedy. For those who perished, may you rest in peace. We keep silence in our hearts, you will be remembered.
This brief article focuses on Matsushima (松島), a town located 30 minutes from Sendai, famous for its natural beauty. The 9.0 earthquake's epicenter was located nearby. We still don't know the state of this marvel of nature, but we hope this icon of Japan will be revitalized and attain a new serenity. Visitors to Matsushima often take a boat tour to travel through an archipelago of 260 tiny islets just of the coast. One of the islets bears an image, carved by mother nature, with a striking resemblance to the map of Japan. We cannot help but wonder if recent events have altered this signature and transformed the social fabric of the Japanese people, but we can be sure that now more than ever, nature has reached a new level of deference.
Now it is time to help. The Japanese need immediate attention, especially in northern part of the country. Please refer to the links down below to see what you can do.
How to Help:
Relief efforts:
Hope International Development Agency-Japan: A reliable organization involved in many relief efforts around the globe. They have personnel on the ground in Northern Japan to bring immediate relief to the victims.
Doctors Without Borders: Present on the ground moments after the catastrophe, their intervention is crucial to saving lives and treating injuries; always an excellent idea to donate to this organization.
Japanese Red Cross Society: You can be sure that the Red Cross will do exactly what they are all about, supplying well-needed medicine.
The Shelter Box: Clear destination for your help.
Five ways you can help Japan: A few more options to choose from.
You can also turn towards artists' special funds:
Lady Gaga Japan Earthquake Relief Wristband: The bracelet costs only $5, but it will make a difference.
Local concerts, fashion shows, special events have been organized all over the world. Keep your eyes and heart wide open.
Check locally your telephone company for donations. For example in Canada, Rogers, Fido and other wireless customers can text ASIA to 30333 to donate $5 to earthquake relief efforts. 100% of all donations will go to the Canadian Red Cross Japan Earthquake/Asia-Pacific Tsunami fund.
Pets and Animals Rescue:
Japan Earthquake Animal Rescue and Support (JEARS):
World Vets – Japan Animal Disaster Relief:


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We would like to thank all that attended our Porsche Experience Centre visit with Porsche Cardiff on Wednesday 5th August 2015.
Porsche Centre Cardiff held an event on Wednesday 5 th August hosting guests from GM2 Limited at the Porsche Experience Centre at the iconic Silverstone Circuit in Northamptonshire. All guests had the opportunity to drive various models, especially the GTS range including the Boxster, Cayman and 911.
The history of the Porsche GTS models began in 1964 at the Targa Florio in Sicily; the story has reached its high point today in the form of the 911 Targa GTS.
Guests spent 90 minutes driving the latest Porsche Cayenne on the Porsche Experience Tracks and Off-Road Course with one-to-one tuition from a Porsche Driving Consultant. Our guest also spent some time in the Porsche Human Performance facility where they were able to get to grips with various equipment using technology from Technogym.
As a whole it was a great action packed day and Porsche Centre Cardiff would like to thank everyone that attended.


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AC Milan striker Alexandre Pato was delighted winning a first title.
Pato helped the Rossoneri to the Scudetto this season and he intends to keep winning silverware in the red and black shirt.
He told Don Balon: "I can not deny that I was particularly happy about winning the last championship, because it was something I expected since I wore the shirt of the Rossoneri for the first time.
"Now I want to continue to win because the League is nothing but the beginning of a string of triumphs.
"Now we want the Italian Super Cup, Serie A and the Champions League - I want to win everything.
"I'd also like to play one day in the Club World Cup and I will do everything to play in all the important games."
Click here for the No1 coverage of all the gossip and transfer news around AC Milan.


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text: Module Name: src Committed By: martin Date: Sun Aug 12 13:02:59 UTC 2012 Modified Files: src/lib/libp2k [netbsd-6]: p2k.c Log Message: Pull up following revision(s) (requested by manu in ticket #483): lib/libp2k/p2k.c: revision 1.56 libpuffs and libp2k both use the cookie to different structure, which now leads to struct p2k_node corruption now that libpuffs used pn_nlookup field in struct puffs_node to avoid race conditions. Attempt to fix that by adding a struct puffs_node at the beginning of struct p2k_node. This seems to fix kern/46734 To generate a diff of this commit: cvs rdiff -u -r1.55 -r22.214.171.124 src/lib/libp2k/p2k.c Please note that diffs are not public domain; they are subject to the copyright notices on the relevant files.


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Create a new document 800×800 pixels with a white background. Select the rectangle tool and draw a black rectangle at the the top of your canvas, then add these layer styles.
Your rectangle should now look like this.
Still with the rectangle tool create a 2nd rectangle underneath the one you just created, but this time make it a little bit bigger and add these layer styles.
You should have something like this.
Now duplicate your blue rectangle and place it at the bottom of your canvas, this will be our footer later.
Now with the color #88763d select the type tool and type out your navigation, also with the color white type your site slogan and title.
You will notice i have alligned my text and title on the right, you will see why in the next few steps. Select the rounded rectangle tool and draw out a rectangle as seen below.
Here are the layer styles to get it looking like mine, first thou set the opacity to 60%.
Now you have it looking like mine add the rest of your navigation, ive also used some icons from the custom shapes menu.
Now find a picture, this can be a picture of anything that reflects your site, but for this example im going to use some grass. Once you have your image, resize and allign it like so (see image below).
On my site i want to have a members section, so i have created an example form of how i want it too look. (which can all be done using CSS).
Now im going to split my site into 3 sections, this is how i want it too look.
Now i shall enter my example content, which is mainly text.
Once you have your example content etc… im going to add some buttons for other stuff. Select the rectangle tool and draw a small long button, the same size as the buttons shown above (not a member & register now buttons).Once you have your rectangles drawn add these layer styles.
Once you have added your buttons you should have something like this.
Now all thats left is to add some details on your footer.
Heres is the full size view. PSD is available below also.


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When: Thu., Sept. 19, 8 p.m. and Sun., Sept. 22, 6:30 p.m. 2013
Mariah Maloney Dance recently performed in the prestigious Jacob's Pillow Dance Festival. Maloney, a former member of the Trisha Brown Dance Company, presents an exciting premiere for the 2013 Fringe. Partially inspired by a sparkler dance that her father performed for her while living in an Alaskan cabin with no electricity, LIGHT features MMD's professional dancers clad in LED costumes – it will literally light up your life! Don't miss Maloney's charming engagement with formalism in post-modern dance.
Price: General Admission $12.00


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CANANDAIGUA, N.Y. – For the sixth consecutive season, Harper (Ill.) captured the men's team title at the 2016 NJCAA Division III Cross Country Championships Saturday at the Bruce Bridgman Cross Country Course.
- Harper totaled 65 points followed by 101 from runner-up Suffolk County (NY)
- Four Haper runners placed in the top 15
- Freshman Ryan Ziolkowski was Harper's top finisher, placing third overal with time of 29:26.1
- Harper's sixth consecutive DIII men's cross country championship is one off the record of seven-striaght set by SUNY Delhi (N.Y.) from 2004-10.
- Eric Wilkewitz of Schoolcraft (MI) claimed the individual title with a time of 29:11.4
Photos courtesy of Finger Lakes Athletics.


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As of June 2015, Lustine Toyota sells new Toyota vehicles and pre-owned vehicles of various makes and models, including Toyota, Chevrolet and BMW. The dealers offers 2015 models including Camry, Corolla, RAV4, Tundra, Matrix, Sienna and Prius.
The tire center sells and services brands such as Michelin, Goodyear, Dunlop and Bridgestone. Technicians assist in selecting Toyota-recommended brands or customer-preferred brands. The parts department sells items needed for muffler replacements, fluid changes, alignments, tune-ups and repairs.
Lustine Toyota's website features photographs and pricing information that represent the inventory of new and used vehicles customers can expect to see at the dealership.


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Tag Archives: ldap
[SOLVED]CRITICAL! LDAP primary MDB database is 90% full in Zimbra
You may get this type errors as email in the zimbra admin email account. This was related with the zimbra 8.x changes in ldap db configuration. You may probably see this issue during a zimbra migration or restore task First
Read more ›


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If you've just started out wearing thongs you'll soon come to realise you can't always get it right on PE days. To avoid unwanted attention and not stand out in the changing rooms its best to wear the least obvious pair of knickers for P.E. and when it's time to remove your school trousers or skirt all eyes won't be on you.
But as you head through high school fashion changes very quickly and you'll soon pick up what your friends are wearing with gossip and current fashion trends in the high street. So a transition from wearing your regular knickers to thongs will be unnoticed.
But before you do, feel out the changing room for a few weeks so you get a complete picture of what people are wearing so you know your thong won't stand out. But it certainly won't be a good idea to show up wearing a hot pink g-string or a lime green thong when you want to keep to yourself when undressing. Keep it simple with a white or black thong or choose neutral colours.
Big knickers for starting out in high school
For every girl who starts big school it's highly likely she'll be wearing her big knickers on her first P.E. day without a care in the world. Girls start high school in the UK six to seven weeks later after leaving primary school. So, the transition is very short from skipping and jumping in the playground to acting mature around your peers in high school.
Thongs for later in school
Later, things do start taking a turn as pre-teen girls mature and fashion changes as they turn to teenagers from year 8 and up. At this stage girls on average 12 to 13 years old become drawn to current fashions and full victim to peer pressure. This is when they will become exposed to there friends underwear choices and the only things that girls at this time of life want to wear is thongs and g-string.
How did you behave on your first P.E. day - thongs or knickers - or did you hide in the toilet cubicle or keep your bum firmly on the bench. Share your comments below.


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Clear 70 F
What's Happening in Palm Desert?
No matter the season, there's always plenty to see and do in the Palm Desert area. From special events like Fashion Week El Paseo and the Palm Desert Food & Wine Festival, sporting events such as the BNP Paribas Open tennis tournament, and exciting theatrical and musical performances at the McCallum Theatre, there's something for everyone. Search our complete event listings below or browse our list of Palm Desert Signature Events and other major events in the desert.
Chef's Table presents Owner: Sammy G
- Date: 01/04/2018 2:00 PM - 3:30 PM
- Location: Palm Desert Community Center
43900 San Pablo Ave
Palm Desert , California 92260
Come out and join the Palm Desert Library and Desert Recreation District as they present chefs from around the Coachella Valley with their Chef's Table series. This week Chef's Table features Sammy G., owner of Sammy's Place in Cathedral City. Sammy will presents his signature bruschetta, with tastings at the end of this free event. No reservations are required for this event and seating is first come, first served. For more information please call 760-346-6552 ext#4212.Return to full list >>


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Gamers, are you tired of trading titles only within your limited arena of friends? Does the game store not have the titles you want at a fair price?
Below are five sites which can help you safely trade games on almost any platform. Whether you want all trades to be handled automatically, a more personal touch, or a rather indirect experience, the sites below are sure to help you with building up your gaming library to the best it can be.
A quick Google search Demystify SEO: 5 Search Engine Optimization Guides That Help You Begin Demystify SEO: 5 Search Engine Optimization Guides That Help You Begin Search engine mastery takes knowledge, experience, and lots of trial and error. You can begin learning the fundamentals and avoid common SEO mistakes easily with the help of many SEO guides available on the Web. Read More for online game trading will likely send you to Goozex, and rightly so. This site is a premiere hotspot for trading your video games (and movies) across all platforms. The system is fairly simple – you pay $0.99 per trade, and with each trade, you earn points. The more points you earn, the more access you have to other games. This is a bit different from other trade sites shown here since payment is involved, but fortunately, this adds an extra level of security.
Since trades are being monitored, and access is given only to certain traders, it's simple and safe. Then again, you may favor a more home-grown approach that is primarily run by the gamer community itself. In that case, this next one may be of interest to you.
Reddit has a thriving gamer community that allows for trading in a couple of areas. Reddit's r/Gaming is the most popular area, but it's focused primarily on gaming discussion. However, you will occasionally see a few trade-related posts, but whenever a hot new game is released, these posts are often overshadowed by pictures and threads about said game. That said, you should definitely try out r/GameSwap which is designed totally for game trades.
Furthermore, the trading system isn't flawless – people do get scammed. Knowing the nature of Reddit Keep Your Karma - What Not to Do on Reddit Keep Your Karma - What Not to Do on Reddit Reddit proves its worth more with each passing day. As a source of entertainment, information, knowledge, memes, and LOLs, it is unrivalled in terms of the sheer scope of content it offers to the casual... Read More , the community does its best to keep things honest, but there will always be malevolent individuals out there. That said, try not to trade with newly-created accounts or any other suspicious-looking entities.
One could say Mooch is a bit more comparable to Goozex, and since everything is run by the site itself as opposed to the community, they would be right. However, it appears that the site is currently in a "second beta." That said, things are changing for Mooch, and anything written here may not be the same months from now.
The trade system is pretty interesting. First, you enter the games you want as well as the games you have. Mooch then assigns a point value to each item based on gamer demand, and after automatically looking through the available games that other users have submitted, will conduct the trade for you. All you have to do is mail the game in and receive your semi-new one. As a final note, creating a basic account on Mooch is free, but for $20 a year, you can receive a Verified Membership which offers upgraded features.
There may be some debate as to whether or not Amazon allows you to "trade with other gamers," but it kind of does – just indirectly. Much like any other gaming store, you can trade in your games to Amazon for store credit, and this credit can be used towards games turned in by other gamers. Since all of it is handled by Amazon, you can rest assured that you're dealing with a fairly trustworthy entity.
The Amazon Trade-in Program – as expected – is not limited solely to games – CDs, DVDs, books, and other electronics even apply. It's a simple process, though: search for the item you want to trade, get a quote, ship it to Amazon (for free), and if the item is up to inspection standards, you'll get an Amazon.com gift card for the amount quoted. That said, your old, neglected blender could be used to fund your purchase of GTA 5.
GameTZ (a.k.a. Game Trading Zone) is a veteran when it comes to the online game trading world, and as a site that's existed since 1997, it's easy to tell that it's had a rather successful run. The site functions as a forum, so you'll have to create an account (as expected) to participate. If you haven't used forums Internet Forums Reimagined: The Future Of Online Discussions Internet Forums Reimagined: The Future Of Online Discussions The latest iteration of online communication may indeed be social media, but it seems that the most popular avenue is still the old-fashioned forum. It remains today as an excellent way to structure a community... Read More in a while, the switch may seem a bit old-fashioned compared to our world filled with social media and Reddit threads.
In fact, I'd go as far to say that the whole site looks a bit old-fashioned, but don't let that sway you. The site is functional, useful, and – based on the many years of its existence – trustworthy.
Sometimes we don't have the extra cash lying around to buy a cool new game – that's why we trade. Hopefully, the aforementioned sites will make the process just a bit easier for you.
What other sites do you use for trading video games? What games are you trying to trade right now?
Image Credit: Ann Lusch
Leave a Reply
Goozex gone, 99Gamers gone. One new similar site is SwapCaps which seems okay so far.
And for the record, all of the other sites suck. Sites like 99gamers and goozex allowed you to trade your items for credits. This worked for me because you could trade crap and get something for it. You trade enough crap and you get enough points to get something of actual value. Gametz is a game for game trading system for the most part. If you Xbox 360 games that you want to use to help get new generation games you're shit out of luck. With no credits to earn you're stuck with game for game trades and no one trades new generation for old. Moreover, not everyone updates their lists. I've been matched up with at least 3 different guys who reject my offers because they got the game they got matched for but never took it off their "want" list. And if someone scams you the only thing that happens is that they get put on a wanted board for bad traders. Nothing is actually done to compensate you for getting screwed. Considering no one trades with noobies to the site until AFTER the noobie ships their game first the noobie then takes a risk with their stuff.
Leaptrade is a little bit better but it still sucks compared to the golden age of 99gamers. Why? Because while both let you build up credits selling your games 99gamers actually let you get the games you wanted if they were available and you had the coins for it. Leaptrade puts you on a queue like goozex unless you can find someone who has the game. Then you can become their friend and set up a friend to friend trade. However, since there is no way to see who has what game and who wants what game until you go to their profile its needlessly cumbersome.
First of all, in case yall didn't notice this article was hopelessly out of date even when it was written. It was posted in 2013. Goozex was dead 2 months later. It was pretty much dead 5 or 6 months before the article was written and had been in a steady decline long before that. 99gamers was left off this list for some crazy reason. It was the best site in the world for game trading post-goozex. I actually thought it worked much better than goozex. I sold 101 games and purchased 54 games on that site. Alot of what I sold would be considered crap. Alot of what I bought would be considered awesome especially in comparison to the crap I got rid of. But its dead. Its not literally dead in that you can actually use the site but its become pretty much impossible to get anything of real value on that site. And I feel bad for those who are willing to trade things of real value because at this point they are just giving away their stuff without the hope of getting anything in return.
You all need Jesus.
99Gamers is a huge scam artist waiting to implode. Anyone going there to look for serious business is looking to have a huge disappointment.
So glad you left off 99gamers. Very sketchy business model and the creators are bailing on it.
Ronin brought me here!
I agree with other on 99gamers.com they have a good system and it is impossible to be scammed so it should deff be in this top 5 as #1
I second Kyle. 99gamers is awesome
99Gamers should be on this.
The forums on GameTZ are not only used to talk. A great deal of buying, selling, and trading goes on in the forums. There is a classified a books forum, a classified forum, console forum. digital forum, movie forum. general ,market place forum, portable forum, electronics forum, and more. Individual users opt to purchase subscription time (it's not required) have their own personal forum which they can utilize however they wish. Members run their own auctions in the forums. Yes, GameTZ has an offer system that matches them with other trades based on their wants and available games but a great deal goes on in the forums besides chit chat. That's the great thing about GameTZ you trade the way YOU want to. Not the way the owners tell you to.
You need to get your facts straight. GameTZ does not function as a forum for trading. It uses an offer system. The forums are just are used to converse with the entire community.
You missed SteamTrades for Steam games.
I don't think it belongs here because it is a list for physical copies


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me and my family recently returned from a 3 week trip to alaska. it is as i always remembered it, magical and wild. my mothers gardens, the art hanging everywhere and the overall freedom felt there makes my heart ache to move back there. our daughter views that place as a magical, outdoor wonderland so much different from her life here in chicago suburbia.
so we plan every fall for our upcoming trip to alaska next summer, with a shimmer of greatness in all our eyes.
never forget where you came from


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The Florida legislature has approved legislation setting out new insurer solvency requirements while also requiring individuals to disclose information about any affiliated company.
Sponsored by Senator David Simmons (R-Altamonte Springs) and Representative Clay Ingram (R-Pensacola), the bill (SB 1308) closely follows a National Association of Insurance Commissioners (NAIC) model act developed after the 2008 financial crisis.
The bill touches on a number of areas with the goal of streamlining the regulatory oversight. It provides regulators with more information to determine an insurer's overall financial status.
Florida Insurance Commissioner Kevin McCarty said the bill would help protect policyholders by ensuring that insurers are properly capitalized.
"Having a more complete picture of the entire enterprise will put us in a much better position to respond effectively to threats to the financial stability of insurance companies," said McCarty.
Central to the bill is a provision that requires holding companies to disclose information about their operations. A holding company must annually provide a risk report to regulators. The report must contain detailed information about the firm's business plan, developments in its risk management programs and any rating agency information.
Insurers also file annual reports with actuarial opinions on reserves and actuarial summaries.
The bill also sets out new reporting requirements related to individuals divesting their financial position in a company or investing in a company.
Among the changes are the revised definition of a controlling person as one having 10 percent of the ownership or interest in an insurer. Previously, an individual needed to have 25 percent ownership or interest of an insurer.
Lawmakers also sought to establish new guidelines for judging whether a life insurer is adequately capitalized and estimating an insurer's reserves.
Critics charge that the current approach to estimating an insurer's reserves is too conservative, fails to take into effect all risks given the complexity of life insurance products and does not reflect insurers' business practice such as their use of derivatives.
Under the bill, state regulators would create a principle-based system that calls on life insurers to calculate not only their overall surplus, but also their surplus per line of business. Those surpluses are based on an insurer's business model, the mortality rates of their policyholders and overall risk profile.
Proponents of the principle-based system say it will lower the prices for life insurance products, increase consumer choice and free up an insurer's capital.
"Principle-based reserving will replace the current 'one-size-fits-all' formula to determine appropriate reserve levels that more closely reflects the risks associated with today's highly complex insurance products," said McCarty.
In 2013, seven states enacted similar principle–based legislation including Arizona, Indiana, Louisiana, Maine, New Hampshire, Rhode Island and Tennessee. Nine other states have signaled their plans to move to a principle-based system including Hawaii, Illinois, Iowa, Mississippi, Nebraska, New Mexico, Ohio, Oklahoma and Virginia.
Four other states in addition to Florida have legislation pending on the issue: Connecticut, Georgia, Missouri and West Virginia.
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