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Payment Gateways Explained
To verify payment information and transfer requests, and certify credit cards in real time, an online processor called a Payment Gateway is required. Payment Gateways reference customers' credit card accounts as well as your merchant account. Auhorize.Net, CyberSource, and VeriSign are three companies that offer Gateways to small business.
Payment gateways are important because they approve transactions, protect them using encryption, and prepare orders prior to processing. The gateway is responsible for ensuring that the customer has sufficient funds or credit to pay for the transaction, and, if approved, submitting the results to the credit card processor so the merchant can be paid.
When a transaction takes place, the Payment Gateway executes a variety of functions between the bank, customer and merchant. These include:
- An order is submitted via your website or credit card details are received from an "IVR" service.
- Using SSL (Secure Socket Layer) encryption, the order information is encrypted and sent from the customer's browser to the merchant's server, often encrypted again, and sent to another server hosted by the Payment Gateway.
- This information is then sent to the merchant's "acquiring bank" and forwarded to the customer's issuing bank for confirmation. Depending upon the result, the card issuing bank will send either an approved or denied message back to the business' website.
- The acquiring bank forwards transaction information to the bank that originally issued the customer's credit card to obtain authorization.
- The card issuing bank returns a response to the payment gateway or receiving bank via a response code. The card is either approved or denied and a response code is provided to explain the reason for denial if this should occur.
- The payment gateway sends the response to the web site or other interface, where an 'Approved' or 'Denied' response is given to the customer. Typically, this only takes a few seconds.
- Usually, acquiring banks will wait until the conclusion of the day to deposit a total amount of confirmed funds into a merchant's account, whether it be an account with the acquiring bank, or a completely independent account.
While most gateways do not provide shopping carts, advanced gateways will offer more complex packages containing such tools.
There are three main factors you should consider when investing money in a gateway:
- Features
- Cost
- Reliability
Security is probably the most important factor when considering a gateway, as so much personal information is transferred from customers to banks and servers when executing a transaction. There are unscrupulous people who would love to get their hands on your customers' credit card numbers, or your company's bank account information, so you literally cannot afford to underestimate the security features offered by Payment Gateways.
Bear in mind, however, that all major gateway providers put security at the top of their priority list. They understand that they cannot have customers (or themselves!) dealing with unsecure transactions, and are always up to date on the latest ways to keep data secure.
There are several security initiatives, including the Visa Cardholder Information Security Program (CISP), MasterCard Site Data Protection (SDP), and Discover Information Security and Compliance (DISC). All major gateways comply with these, and also many of the lesser known ones. Make sure that whatever gateway your business uses is up to date with these security measures.
Many gateways have more capabilities than merely processing credit cards through websites. Gateways are intended to make your business run smoothly and help increase revenue. The following are some of the more frequently included features:
Virtual Terminal
A virtual terminal allows your business to enter a customer's information manually. This may not seem important, but it allows you to help customers save time and energy by letting you sell products over the phone, as well as on your website.
If a customer calls your business with questions regarding your merchandise, there is no reason why they should have to hang up the phone, get back on their computer, and place their order via your website. With the use of a virtual terminal, you can process the order immediately and much more professionally. In addition, merchants can cancel transactions and distribute rebates and returns via a virtual terminal.
Fraud Prevention
Perhaps, the most effective way to prevent chargebacks is by utilizing fraud prevention tools. Often, merchants don't realize, or take advantage of, the capabilities offered by a Gateway's fraud prevention utilities. Getting to know such tools will help your business avoid chargebacks and allow you to concentrate on sales and promotion rather than risk and deceit.
Most gateways support basic fraud prevention tools such as Address Verification (AVS) and CVV2 verification. CVV2 refers to the three or four digit security code which appears on the back of credit cards, while AVS confirms that the address the customer provides is the same address the card-issuing bank has in its records.
Recurring Billing
Recurring Billing is a nifty feature that automates billing for your business. You only need to tell the gateway how frequently to bill customers and direct it towards their billing information. This is useful for businesses that deal with subscriptions or memberships and have a relatively constant amount to bill each period.
eCheck Processing
Because you want your business to be as open as possible to all payment methods, allow your customers to pay with an electronic check or eCheck. Electronic checks are becoming more popular because customers do not need to have a debit or credit card attached to an account to make the payment—they simply provide your business with their bank account information and can pay instantly. It's a much better option than asking for a check to be sent through the mail.
Another consideration when choosing a gateway is the level of integration with your website that the gateway offers. How visible do you wish the gateway to be to your customers? If your business is just getting started, this may not be your greatest concern. However, more experienced merchants will want to fully integrate gateways with their sites, allowing for a more fluid buying experience for their customers.
Different payment gateways charge different fees for the services they provide. The following fees are common and can be easily compared:
- Setup fees: Many gateways do not charge setup fees while others will charge you hundreds of dollars to set up an account. Typically, your business will not be refunded for this cost.
- Monthly fees: Your business will need to make a monthly payment to your gateway provider—expect to pay this just as you would for any merchant account service.
- Transaction fees: Every transaction that is processed by a gateway will attract a fee, and often even if the transaction is declined.
- Miscellaneous fees: There are sometimes other features that gateways will charge set-up fees, monthly fees, and transaction fees for. These will often be independent of the charges just covered.
The most important features of shopping on the Web are convenience and speed. Your business needs to be able to process transactions quickly and without problems. It's too easy for a shopper to click away and buy your competitors' products. You need to have complete confidence in your payment gateway, as it will be handling a great deal of the mechanics behind your sale. Make sure your gateway is reliable!
There are many payment gateways to choose from. Some of the more popular gateways include:
- Authorize.net
- Verisign Payflow Pro
- Verisign Payflow Link
- LinkPoint API
- LinkPoint Connect
- Plug 'n Pay
- The Truth About Online Payments
The ins and outs of accepting payments over the Internet
- Returns and Chargebacks Exposed!
Ways to minimize returns and chargebacks when selling over the Internet
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ASHBURN, GA (WALB) - We're broadcasting from Elrod Park in downtown Ashburn. It was built in 2010 to honor a great American hero and has turned into much more.
The park is named after Major Henry T. Elrod, a Turner County native who was awarded the Congressional Medal of Honor, the U.S. military's highest award for valor.
The Marine Corps aviator died leading his men in World War II.
"My fire chief, right after I became mayor came up and asked me. He said, 'Mayor, why is there not a plaque or a memorial for Henry T. Elrod?' And I said 'I don't know.' I didn't even know who the man was. We had a very famous hero from Turner County," said Mayor Jim Hedges.
HENRY TALMAGE ELROD was born on 27 September 1905, in Rebecca, Ga. He entered service in Ashburn. He won the Medal of Honor in the Battle for Wake Island, in 1941. Elrod shot down two of a flight of 22 hostile planes, and helped sink a large Japanese vessel.
It was the first major warship to be destroyed by small caliber bombs delivered from a fighter-type aircraft.
Read more from the Home of Heroes website... http://www.homeofheroes.com/moh/citations_1940_wwii/elrod.html
Families can add their own memorial benches in Elrod Park.
There's also a wall of honor put up by the American Legion Post 98, where veterans or their families can add a plaque to recognize their own hero.
Copyright 2014 WALB. All rights reserved.

subset: commoncrawl


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Looping and towering waterslides are not only for the adrenalin junkies. They are made to provide ultimate adventure experience for..
Saving money is always better for your future. Post retirement, money is essential for health treatments and safety. If you..
Life is a roller-coaster ride. It takes lots of character and guts to stay grounded and level-headed during all kinds..
1.Don't force yourself to sleep. Instead of spending 20 minutes doing that, grab and read a book or write a..
Retirement is a critical phase in our lives; for some, it is a great escape from all the long years..
A period of economic downfall which leads to a drop in the stock market, the rise of unemployment, inflation in..
Life is a roller coaster ride. What rises does come down and vice versa? Often, when we do not see..
Asset protection planning helps you secure yourself against any potential lawsuit that strips you of all your property, bank balance,..


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CorePlus Federal Credit Union of Norwich, Connecticut has been a member-owned institution for more than 78 years, currently from 9 locations. It is designated as a community credit union. By number of members, it is the 9th largest in Connecticut. It also is the ninth largest in the state by assets.
Checking services include share certificates with low minimum balance requirements and overdraft lines of credit. Debit cards and ATMs with no surcharges are available.
For members needing to establish credit, the credit union offers short term small amount loans.
Besides boat, RV, and car loans and other kinds of lending, CorePlus FCU can do real estate loans. Employees can help you with check cashing, international remittances, low-cost wire transfers and money orders. CorePlus FCU members may also benefit from income tax preparation assistance and tax refund anticipation loans.
Services to businesses and professionals include mortgage processing. People having other financial, savings, and investment needs will be pleased to find health savings accounts, individual development accounts, certificates of deposits and insurance/investment products that are offered.
Available electronic access includes Internet banking, automated telephone access and wireless phone apps. Remotely, you can file membership applications, take out a loan, look at your balance, order share drafts, setup a new share account, pay your loan, view transactions, transfer money, pay bills, download your account history and get e-Statements.
Free credit report for Canada residents.
Monitor your credit and protect against identity theft! Who checked your credit report recently, and what did they see?
Lawrence Memorial Hospital Employee Federal Credit Union , New London (12 miles.)
New London Municipal Employees Credit Union , New London (12 miles.)
Scient Federal Credit Union , Groton (12 miles.)
Charter Oak Federal Credit Union , Groton (12 miles.)
Groton Municipal Employees Federal Credit Union , Groton (12 miles.)
Special offer to credit union members. See your instant credit report.
Also see our daily credit union news page.
Online newspapers and TV stations serving Norwich and Connecticut: Norwich Bulletin, The Hartford Courant, or view a national listing of newspapers.
Thinking of buying a car? See Connecticut car dealers listed alphabetically by city.


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With almost a third of our citizens considered to be obese and half considered overweight, America is heavier than its ever been. Such a disturbing trend will create some serious problems of course. But where some may see problems, enterprising individuals might see opportunity. America's rapidly expanding waistline translates into a increasing population in the target market for the weight loss products, which encompasses everything from gym memberships, to work out DVD's, to fad diets and reality television shows.
The commercial diet plan Weight Watchers is a fixture in this world of weight loss world. Weight Watchers, along with its smaller competitors Nutrisystem and Jenny Craig, generate the majority of the $3.3 billion commercial weight loss plan category that has been built by the wallets of women.
Naturally, they're trying to change that. Following in the footsteps of Nutrisystem and Jenny Craig's celebrity backed campaigns for male weight loss plans, Weight Watchers is putting $10 million of marketing muscle behind its campaign for men. The ads are promoting Weight Watchers' male-specific website, launched quietly in 2007, rather than its meeting-based service. According to Chief Marketing Officer Cheryl Callan, since launching the website, "we've seen a lot more male success stories come though and that inspired us to think we have an opportunity here."
They're plenty of fat men walking around so Ms. Callan assertion of opportunity in the male weight loss market seems logical. The opportunities are just not for Weight Watchers.
Weight Watchers was able to grow into a $1.46 billion company through a strong demographic focus on women. While it may be logical to say, "if it works for women then it will work for men," customers prove everyday that logic doesn't matter in a cluttered marketplace. Weight Watchers brand doesn't have the authenticity with guys that male targeted brands like P90X or Crossfit do (although different products).
In order to take advantage of opportunities in a different market, Weight Watchers needs a different product and a different brand. By extending their core brand they didn't do either. Compare the male targeted site with the traditional female site. If the website is any indication, it appears to be the same product. Meanwhile, adding "for men" to the name isn't a new brand.
In business, the fast and easy money might look good in the short term, but like a fad diet, the brand eventually pays in the end.
Monday, April 25, 2011
Weight Watchers Discovers A New Demo?
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The last round of the WMBS XC took place at Nant yr Arian on Sunday 12th July 2015 in damp conditions on an extremely challenging course (with some really steep climbs that even had top riders pushing up).
Katie rode impressively to 1st in the U16 Girls which with Megan not entering R4 also gave Katie 1st in the overall series. In the U14 Boys Luke and Tim were only 1 point apart in the series so a close race was anticipated. Tim had an excellent start and led on lap 1 with Luke closing in on him when an ongoing mechanical issue slowed Tim down and Luke took 2nd and Tim 3rd on the day and this gave Luke 2nd and Tim 3rd in the overall series.
The weather was warmer for us older slower guys after dinner with Mike finishing 3rd in the Super Vets on a very cut up course.
Well done everyone.


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Hoping to Prevent "The Last Ship" from Sinking
The sexiest thing about the production of the floundering new musical The Last Ship has always been its composer and lyricist, Sting – who has been nominated for the Grammy Awards 38 times, and has won for 11 of them. He has been inducted into the Hollywood Walk of Fame, has also won 25 American Music Awards, and has also acted in films ranging from Quadrophenia in 1979 to The Adventures of Baron Munchausen in 1988, and 20 Feet from Stardom in 2013. However, since it began previews on September 29, 2014, The Last Ship has not been performing well at the box office. It has never earned more than $575,155 in one week, and it has never made more than 51.62% of its weekly gross potential.
A Last-Ditch Effort to Save the Last Ship
Starting December 9, 2014, however, Sting decided to make a last-ditch effort to save his beloved musical tale of the last ship built by an English seafaring town. He entered the cast in the role of Jackie White, a foreman of the shipyard. Though he is not the main role, he is on stage about 40% of the time, and he sings tunes such as one that has been particularly beloved with fans "Island of Souls." The show takes place in his hometown and is semi-autobiographical. It is unclear whether the role of Jackie White is the autobiographical part, but it is most likely that Sting's personal experience overlaps more with the protagonist Gideon Fletcher played by Michael Esper, but that at this age it was more appropriate for Sting to take on the role of White.
An Extension to Six Weeks
Though it was first announced that Sting would be in the show for four weeks only, from December 9, 2014 to January 10, 2015, it has recently been announced that Sting will stay on an additional two weeks until January 24, 2015. Perhaps he was just getting into his groove, and wanted to stick around for a bit longer, or perhaps the replacement they found had a scheduling conflict. Sting stepped in to replace Jimmy Nail as Jackie White; Nail is a British actor for whom this is his Broadway debut. It is most likely that Nail will come back in following Sting's departure, allowing Nail to still be paid as an understudy, but Sting performing the role with an endnote that is somewhat flexible.
Jennifer Chen
Latest posts by Jennifer Chen (see all)
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- Stephen Payne Replaces Lead in "Straight White Men" - July 5, 2018
- Young Jean Lee's "Straight White Men" Begins Previews - June 28, 2018
- Broadway-Bound "Cher Show" Launches in Chicago - June 21, 2018
- Tom Stoppard's "Travesties" Concludes Run - June 14, 2018


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Aptech gives job placement assistance to students & recruitment help to providers looking to hire trained IT professionals. On the very initially day, when I stepped in this institute initial factor I noticed the picture on wall saying High-quality generally scores. Its a really good institute Possibly the ideal one amongst all due to the fact the faculties are pretty friendly and helping A single can find out many new and exciting points here ! I have finished my six months education from GTB Pc education and my general expertise was fabulous.
The Computer Education Center and Details Technologies Center with each other have a total of 395 private computer systems set aside for educational use, and has extended its hours so that students can use them for their individual study in addition to laptop or computer instruction and other coursework. It is not achievable for the institute to give admission to massive number of students due to lack of seats.
To establish, run and sustain educational and analysis institutions like Universities, Colleges, Medical College, Polytechnic Institute, Schools, Academy investigation center for the promotion of all branches of computer science, sciences, trade and commerce, small business, literature, fine arts, religion, health and other branches of finding out and for the diffusion of useful expertise.
The syllabus covered by us is one hundred% whereas other institute which give significantly less charges cover only 70% of the syllabus. I joined Arth Institute to acquire understanding in software program improvement & establish myself in the IT market. A esta tarea, clave para desarrollar y cambiar la educación, me he dedicado profesionalmente, como investigadora, educadora y comunicadora, durante más de 20 años, a través de la docencia, los periódicos y ahora, también, los medios digitales: comunidades virtuales, blogs y, más recientemente, Twitter.
Aichi Institute of Technologies has responded to these demands by opening a Personal computer Education Center for these majors specializing in data processing technologies. Today, Executives and other secretarial staff need some essential computer system expertise to do the job in paper-less electronic atmosphere. Distinctive placement partner's and placement good results of Arth Institute backed up our statement as the Most effective Computer system Organization.
A pc network consists of unique forms of hardware operating by way of numerous network protocols. One particular of the very best institute in the punjab, All the courses provided by GTB Institute is up to the mark and concept based. Laptop or computer Applications and Workplace Systems : Discover pc literacy and computer software applications made use of in business in a self-paced, hands-on environment.


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Product Manager with Analytics Skills
and swimming record holder, scuba diving instructor, beach volleyball coach
and swimming record holder, scuba diving instructor, beach volleyball coach
Product Manager
For the past 10 years, I helped companies improve their online results! Successfully managing products and brands on the internet, using analytic skills to understand the collected data, I optimize the user journey to improve goal conversions. Learn more
Swimming Record Breaker
Competitive swimmer for years, I attended hundreds of swimming competitions around the world including Olympic trials, NCAA, National championships, etc. While this individual sport is about pushing your own personal limits, surpassing a 'personal best' requires a team effort. I am grateful for friends, coaches, parents and relatives supporting this journey. Learn more
Underwater World
Whenever I can bring a camera underwater, I jump on the occasion to record wonderful things and share it. Checkout my YouTube Channel with a dedicated scuba diving playlist. Learn more
Keep the Ball Flying!
I love volleyball ! Since the 1990's, involved in developing it and playing it, I traveled the world. Winning tournaments, playing pro, coaching athletes, being an instructor for federations, consultant for the Olympic committee... and a beach bum looking for a pepper partner ;-) Learn more
Commuting Experience - Electric Bike in Montreal
Discover my experience of commuting daily to work in Montreal using an electric bike over a 2-year period (2016/05 & 2017/12). Learn more about what motivated me to test an alternative way to commute in a dense urban area. Check out the details and follow the results! I'm sharing the journey... Learn more


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Ratatouille: My version of Remy's recipe: Confit bylaureli
Okay, so this is my version of Thomas Keller's recipe-oops, I mean Remy's recipe. I have to say that I think that this is one of my best-looking and most delicious dinners. So in my recipe, you will notice that it is perhaps not as refined and pure as the original. The piperade is not as smooth as I tend to like the consistency of thinly sliced peppers. I also used a couple more spices. Not too much to drown the taste of the vegetables, but just enough to offer an additional layer of flavour. I Just love garlic and chili, and any chance I have to use these two ingredients together, will be exploited. So I added them into this recipe.
Instead of adding the squash into the layers of vegetables, I used the squash as the "plate" onto which the layered vegetables were placed. Lastly, instead of baking the ratatouille into a single large skillet, I made 4 individual ones, baked in little casserole dishes.
Ratatouille is one of those dishes that I never used to like as a child. It was not really the Ratatouille but really the eggplant!
I just could not stand eggplant or anything that resembled it, touched it or existed at any point of time near it! ( picking out pieces of eggplant in any dish was simply not going to do it for me!). Just exactly when I made the transition from an eggplant-hater to a lover of eggplant, I can clearly recall. It was about 15 years ago when I was offered some eggplant at a small gathering. I hardly knew the host, and my stomach was growling. I was convinced that she heard the growls. So, I had no choice but to smile as if eager to try and dared not to refuse.
What appeared before me was not at all the eggplant I had in mind at all. This was not that ugly looking (when overcooked), bitter-tasting, no value what-so-ever vegetable I had so long disregarded. This eggplant became my turning point! This eggplant was cut into long thin slices, drizzled with olive oil, grilled and then preserved in a mixture of olive oil, balsamic vinegar, garlic, and rosmary. It was served on finger size warm pieces of freshly toasted focaccia. I took my first bite, and then a second and then it was done. I must have eaten this up so quickly, as my host was still in the process of handing me my napkin. The smell simply overcame me and I had to eat it. When I looked up and noticed my host gazing at me, I gave an embarrassed smile, followed by a very sincere and eager smile saying: I want more now!!! And with that, I was anded 5 more of those delights onto my plate with the napkin.
I noticed a slight sweetness on the tongue, combined with but a mere scent of garlic, hint of rosemary all sealed in the olive oil. The soft texture of the eggplant combined with the crusty warm focaccia was a wonderful combination and one which has become a regular in my culinary repertoire .
So, enough said….have fun with this version of an eggplant recipe!
Confit Bylaureli
For the piperade I used:
- 1 red bell pepper, seeded, ribs removed and halved
- 1 yellow bell pepper, seeded, ribs removed and halved
- 1 orange bell pepper, seeded, ribs removed and halved
- 4 tablespoons extra-virgin olive oil
- 2 teaspoons minced garlic1/2 cup of slices of diced onion
- 4 medium sized tomatoes, thinly sliced.
- 3 sprig fresh thyme removed from stalks
- 2 tablespoons of freshly cut sprig flat-leaf parsley
- some salt to taste
For the vegetables I used:
- 1 medium zucchini (4 to 5 ounces) sliced in 1/16-inch-thick rounds
- 1 eggplant (4 to 5 ounces) sliced into 1/16-inch-thick rounds
To seal the layers you will need:
- 1 teaspoon minced garlic
- 3 teaspoons extra-virgin olive oil
- 1 teaspoon of fresh thyme leaves
- Kosher salt and freshly ground black pepper
For the vinaigrette I used:
- 2 tablespoon extra-virgin olive oil
- 1 teaspoon balsamic vinegar
- ½ teaspoon of Mustard
- A mixture of dash of thyme, parsley, rosemary, bay leaves, and basil
- A tiny bit of dried crushed red chilli peppers
- Kosher salt and freshly ground black pepper
- Special equipment: 4 small casserole dishes
To make the piperade, preheat the oven to 350 F. Line a baking sheet with baking paper and put the pepper halves on the baking sheet, cut side down.
Roast until the skins loosen, about 30 minutes. Remove the peppers from the oven and let rest until cool enough to handle. Reduce the oven temperature to 275 F. Peel the peppers and discard the skins.
Cut the peppers into thin slices and put them aside. In medium skillet over low heat, combine oil, garlic and onion and sauté until very soft for about 5 minutes. Add the sliced tomatoes, the thyme, and parsley.
Bring to a simmer over low heat and cook until very soft and little liquid remains, about 10 minutes. Do not brown.
Add the sliced peppers and simmer to soften them and season to taste with salt.
Reserve a tablespoon of the mixture, then spread the remainder over the bottom of each casserole dish.
Create the ratatouille layers by arranging the sliced vegetables (eggplant and zuccini) in a spiral-overlapping manner, starting with the outside circle around the casserole dish and ending in the centre. Then spread this vegetable layer with a thin coating of the piperade, and then cover this with another vegetable layer, and repeat the process until the casserole is filled (I did three layers).
Now prepare the "closing seal" which will be poured over the layers by mixing the garlic, oil, thyme, salt and pepper. Drizzle this over vegetables. Cover each casserole with foil to seal well.
Bake until the vegetables are tender when tested with a paring knife, about 1 hour. Uncover and bake for another 30 minutes. (Lightly cover with foil if it starts to brown.)If there is excess liquid in pan, place it over medium heat on stove until reduced. (At this point it may be cooled, covered and refrigerated for up to 2 days. Serve cold or reheat in 350 F oven until warm.)
To create the final touch: the vinaigrette, whisk together the reserved piperade, oil, vinegar, mustard, all of the herbs and spices, and salt and pepper to taste. When ready to serve, turn the casserole upside down onto a plate and drizzle the vinaigrette around plate and you are ready to go!
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All Films.All Above Board.NOW INCLUDES TV SHOWS & TV LISTINGS
Retired secret agent Joe McGrai (Hulk Hogan) seems to have stumbled onto a treasure map after saving a turtle from a bunch of aggressive youths. The map is on the turtle's back, and appears to reveal the location of some jewels stolen from Britain by J. McCinsey 150 years ago. Joe photographs the map, but finds his life becoming complicated after his jeep explodes and he receives a visit from Walter Denkins (Robert 'Man from UNCLE' Vaughn).


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Behavioral Sciences & Social Medicine > Area Health Education Center
The FSU AHEC Program Office offers a 4-hour QSN Facilitator Training for health professionals who treat people for tobacco dependence such as health academics, health educators, or others with an interest in tobacco and health. The QSN Facilitator Training is offered on the fourth day of our Tobacco Treatment Specialist Training: 3-Day Foundation Course. The QSN session prepares TTS to offer the six-session QSN classes in their communities. Participants must complete the 3-Day Tobacco Treatment Specialist Training in order to participate in the QSN session.


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Carefree Breathable Fresh Pantyliners Economy 58 Pack
In order to buy non-prescription medicines you must be a registered user of our site as we are obliged to record your transaction history. We also ask that you complete our questionnaire so our pharmacy team can check that this product is suitable for you to buy.
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Product details
Carefree Breathable Fresh is a breathable pantyliner with natural cotton extract.
It feels like cotton underwear, so you can forget about the pantyliner and simply feel the freshness.
It has a light laundry fresh scent to help keep you feeling confident all day.
Carefree Breathable Fresh Pantyliners have been dermatologically tested.


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Coronary heart disease takes years to develop and, in the case of women, it takes almost a decade longer to show up than it does in men. By then, you're often concerned with health problems such as cancer, arthritis or osteoporosis. These diseases tend to draw attention away from thinking about heart disease. The fact is, one in two women will eventually die of heart disease or stroke compared to one in 25 who will die from breast cancer.
Here are some other facts about women and heart disease:
Learn more about heart disease in women
Find a screening location near you
Although heart disease is the No. 1 killer of women in the United States, 80 percent of heart disease is preventable. By making these lifestyle changes, you can reduce your risk of heart disease:
Take a cholesterol quiz »
Novant Health offers classes that teach you how to make these lifestyle changes as well as personalized risk assessments designed to help you identify and understand your risk factors. Following your risk assessment, we will work closely with you and your doctor to develop an individualized wellness plan designed specifically around you and your personal needs.
Learn more about women and heart disease »


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Due to a recent change, when an asynchronous message listener is the only live thread in the app-client container, the remaining appclient virtual machine exists as a daemon. This behavior is a regression for past applications that perform asynchronous receives in ACC. This problem affects application clients that set a JMS message listener and exit the main thread.
Do not exit the main thread. Wait for the message listener to notify the main thread before terminating the main thread.


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IMDB Ratings : 8.1 / 10 | 71,066 votes
size::::::::::: 500MB-Blurayrip
Plot Outline:
The story of irreverent supernatural detective John Constantine, who has literally been to Hell and back. When Constantine teams up with skeptical policewoman Angela Dodson to solve the mysterious suicide of her twin sister, their investigation takes them through the world of demons and angels that exists just beneath the landscape of contemporary Los Angeles. Caught in a catastrophic series of otherworldly events, the two become inextricably involved and seek to find their own peace at whatever cost.


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A New Dawn For Social Media?4th January, 2016 by Madeleine Bruce
Should businesses be backing exclusivity when it comes to social networking?
It's hard to believe it now, but when Facebook first started in 2004 its entire usership was limited to a single demographic: American university students. To prove that they belonged to this group, potential new users needed a ".edu" email suffix in order to set up an account. Fast forward to today, and the social media giant has over 1 billion daily active users—a huge, almost unbelievable proportion of the planet for a company that's just over a decade in age.
Facebook of course would have never grown so big if it had retained the restrictive entry requirement it started out with. When it opened up to international university high school networks in 2005, then for general usership in 2006, it was banking on the idea that mass adoption would eventually make Facebook a hugely powerful social force to be reckoned with—and what a strategy that turned out to be!
However, this is not the only strategy to gain prominence in the digital and hyper-networked times we live in. Though it's been said that in the modern "eyeball" economy you're only as powerful as how many people's attention you can hold, that's not necessarily the entire picture. Many new social media and networking startups are realising that mass adoption on the scale of Facebook might not be possible. The social networking marketplace is far more crowded than it was in 2004, and potential users don't have the time, patience or mental bandwidth to start a new network. So what's a company to do if it wants to make an impact but can't go global? The answer is go exclusive.
There's been a marked trend in the tech networking space recently of social networks with restricted or invitation-only userships. This may seem counter-intuitive, as why would anyone go to the effort of joining a network that's exclusive when there are so many other open networks available? The answer is status. If these new tech companies can create an illusion of scarcity or exclusivity, they can follow a model of being important rather than big, and thereby attract a higher echelon of users. There are numerous examples of this happening all over the social scene; here are just a few of them:
THIS: Similar in style to Facebook, THIS is a social network with a single, important caveat: users can only share one thing a day. Why limit its users? The idea is to create an exclusivity around content so that people's feeds are not clogged with everything from cat videos to comics to complaints (unless those things are really important). Inspired by the internet-speak tendency to denote something's significance by just posting the word "this" and a link, the network hopes to streamline people's feeds and deliver more quality content.
Raya: Raya is a dating app for creative professionals that works on referral and approval. In order to join you have to fill out a form that includes your occupation and social presence, and whether you can use any existing members on the app as a "reference". It's notable that most users have a significant social following on other networks like Instagram to begin with. The idea here is to create an elite usership to attract daters.
Ello: Launched in 2014 to much fanfare, Ello is an invite-only and ad-free version of Facebook. Created in direct response to a lot of the aspects about Facebook that people hate, it offers two feeds: friends and noise, allowing users to filter who they really want to hear from, and who they want to tune into, when they choose to. Though the company had some early missteps (tons of web traffic when the media picked up on its launch nearly crashed the site), it's still very much in operation and providing an alternative for users who can't cope with the overstuffed feeds of Facebook and Twitter.


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702 E 10th Street Newport KY
Sold for $51,600
LOCATION!! LOCATION!! LOCATION!! Great Investment opportunity for this 1 possible 2 bedroom, in busy and growing area of Newport. Call Today for details and a private showing
Directions to 702 E 10th Street Newport KY 41076: turn left onto memorial pkwy. .4 miles house on left
Sold on 01-08-2018
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Ken Perry Realty
Todd Holden
Todd Holden
Office: 859-442-6800
Phone: 859-760-5322
Phone: 859-760-5322
The data relating to the real estate for sale on this web site comes in part from the Broker Reciprocity program of the Northern Kentucky Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Comey & Shepherd Realtors are marked with the Broker Reciprocity logo or Broker Reciprocity house icon. The properties displayed may not be all the properties available through Broker Reciprocity.


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Author has written 2 stories for Romance, and General.
I'm a girl.
I go to college.
About ShinePoint High's Broken Boundaries . . . so it's been taken off. I'm sure no one's in tears over its absence, but I just wanted to tell all of the people who reviewed: Thank you, thank you, a million amount of thank yous! I no longer felt the story needed to be posted here, but it was because of your helpful constructive criticism that I (hope I) improved somewhat since writing it. You guys should have trophies, really. Thank you again!
Ah I'm trying to write something new, but I need inspiration, help, and maybe a slurpee STAT.


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SOURCE: Redknee Solutions, Inc.
February 23, 2012 07:00 ET
TORONTO--(Marketwire - Feb 23, 2012) - Redknee Solutions, Inc. (TSX: RKN), a leading provider of business-critical billing and charging software and solutions for communications service providers, has been invited to present at the ROTH Capital Partners 24th Annual Conference. The conference will be held at Ritz Carlton in Laguna Niguel, Calif. on March 12-14, 2012.
Redknee Solutions' CEO Lucas Skoczkowski is scheduled to present on Wednesday, March 14 at 12:30 p.m. Pacific time with one-on-one meetings held throughout the day. Management will discuss the company's financial and operational performance, as well as its 2012 outlook.
For more information about the conference or to schedule a one-on-one meeting with Redknee Solutions management, please contact your ROTH Capital Partners representative.
About ROTH Capital Partners
ROTH Capital Partners, LLC is a relationship-driven investment bank focused on identifying opportunities for institutional investors in U.S.-listed equity securities of companies based in the U.S. and China. Headquartered in Newport Beach, CA, with offices throughout the U.S., Hong Kong and a Shanghai Representative Office, the employee-owned firm provides analytical research, trading, capital raising, and business combination advisory services. ROTH seeks to implement innovative financing strategies to efficiently meet the liquidity and valuation requirements of both its corporate and institutional investor clients. For more information, go to www.roth.com.
About Redknee
Redknee is a leading global provider of innovative communication software products, solutions and services. Redknee's award-winning solutions enable operators to monetize the value of each subscriber transaction while personalizing the subscriber experience to meet mainstream, niche and individual market segment requirements. Redknee's revenue generating solutions provide advanced converged billing, rating, charging and policy for voice, messaging and new generation data services to over 90 network operators in over 50 countries. Established in 1999, Redknee Solutions Inc. (TSX: RKN) is the parent of the wholly-owned operating subsidiary Redknee Inc. and its various subsidiaries. References to Redknee refer to the combined operations of those entities. For more information, visit www.redknee.com.
For additional information please contact:Redknee Solutions:David Charron, Chief Financial Officer
+1 905 625 2943Investor Relations:Matt Glover or Michael Koehler
Liolios Group, Inc.
+1 949 574 3860
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Michelle Maxwell has just wrecked her promising career at the Secret Service. Against her instincts, she let a presidential candidate out of her sight for the briefest moment and the man whose safety was her responsibility vanished into thin air. Sean King knows how the younger agent feels. Eight years earlier, the hard-charging Secret Service agent allowed his attention to be diverted for a split second. And the candidate he was protecting was gunned down before his eyes. Now Michelle and Sean are about to see their destinies converge.
Drawn into a maze of lies, secrets, and deadly coincidences, the two discredited agents uncover a shocking truth: that the separate acts of violence that shattered their lives were really a long time in the making – and are a long way from over….
They were on the campaign trail at a nondescript hotel meet-and-greet in a place so far out you almost had to use a satellite phone to reach the boonies. Standing behind his protectee, King scanned the crowd while his ear mike buzzed sporadically with unremarkable information. It was muggy in the large room filled with excited people waving "Elect Clyde Ritter" pennants. There were more than a few infants being thrust toward the smiling candidate. King hated this because the babies could so easily shield a gun until it was too late. Yet the little ones just kept coming and Clyde kissed them all, and ulcers seemed to form in King's belly as he observed this potentially dangerous spectacle.
The crowd drew closer, right up to the velvet rope stanchions that had been placed as a line in the sand. In response, King moved closer to Ritter. The palm of his outstretched hand rested lightly on the candidate's sweaty, coatless back, so that he could pull him down in an instant if something happened. He couldn't very well stand in front of the man, for the candidate belonged to the people. Ritter's routine never varied: shake hands, wave, smile, nail a sound bite in time for the six o'clock news, then pucker up and kiss a fat baby. And all the time King silently watched the crowd, keeping his hand on Ritter's soaked shirt and looking for threats.
Someone called out from the rear of the space. Ritter answered the jibe back with his own bit of humor, and the crowd laughed good-naturedly, or at least most did. There were people here who hated Ritter and all he stood for. Faces didn't lie, not for those trained to read them, and King could read a face as well as he could shoot a gun. That's what he spent all his working life doing: reading the hearts and souls of men and women through their eyes, their physical tics.
He keyed on two men in particular, ten feet away, on the right. They looked like potential trouble, although each wore a short-sleeved shirt and tight pants with no place to conceal a weapon, which dropped them several pegs on the danger meter. Assassins tended to favor bulky clothing and small handguns. Still, he mumbled a few words into his mic, telling others of his concern. Then his gaze flitted to the clock on the back of the wall. It was 10:32 in the morning. A few more minutes and they'd be on to the next town, where the handshakes, sound bites, baby kisses and face reading would continue.
King's gaze had turned in the direction of the new sound, and then the new sight, something totally unexpected. Standing facing the crowd and behind the hard-politicking Ritter, he was the only one in the room who could see it. His attention stayed there for one beat, two beats, three beats, far too long. Yet who could blame him for not being able to pull his gaze away from that? Everyone, as it turned out, including himself.
King heard the bang, like the sound of a dropped book. He could feel the moisture on his hand where it had touched Ritter's back. And now the moisture wasn't just sweat. His hand stung where the slug had come out the body and taken a chunk off his middle finger before hitting the wall behind him. As Ritter dropped, King felt like a comet flying hell-bent and still taking a billion light-years to get where it's actually going.
Shrieks from the crowd poured out and then seemed to dissolve into one long, soulless moan. Faces stretched into images one only saw in carnival fun houses. Then the blur hit him like the force of an exploding grenade as feet moved and bodies gyrated and the screams came at him from all directions. People pushed, pulled and ducked to get out of the way. He remembered thinking: there's no greater chaos than when swift, violent death knocks on the door of an unsuspecting crowd.
And now presidential candidate Clyde Ritter was lying by his feet on the hardwood floor shot right through the heart. King's gaze left the newly deceased and turned toward the shooter, a tall, handsome man in a tweed jacket and wearing glasses. The killer's Smith & Wesson .44 was still pointing at the spot where Ritter had been standing, as though waiting for the target to get back up so he could be shot all over again. The mass of panicked people held back the guards who were fighting to get through, so that King and the killer were the only ones at the party.
King pointed his pistol at the chest of the assassin. He gave no warning, called out not one constitutional right accorded the assassin under American jurisprudence. His duty now clear, he fired once, and then again, though the first time was enough. It dropped the man right where he stood. The assassin never said a word, as though he'd expected to die for what he'd done, and accepted the terms stoically like a good martyr should. And all martyrs left behind people like King, the ones who were blamed for letting it happen in the first place. Three men had actually died that day, and King had been one of them.
Sean Ignatius King, born August 1, 1960, died September 26, 1996, in a place he'd never even heard of until the final day of his life. And yet he had it far worse than the others who had fallen. They went tidily into their coffins and were forever mourned by those who loved them—or at least loved what they stood for. The soon-to-be-ex–Secret Service agent King had no such luck. After his death his unlikely burden was to keep right on living.
The motorcade streamed into the tree-shaded parking lot, where it disgorged numerous people who looked hot, tired and genuinely unhappy. The miniature army marched toward the ugly white brick building. The structure had been many things in its time and currently housed a decrepit funeral home that was thriving solely because there was no other such facility within thirty miles and the dead, of course, had to go somewhere. Appropriately somber gentlemen in black suits stood next to hearses of the same color. A few bereaved trickled out the door, sobbing quietly into handkerchiefs. An old man in a tattered suit that was too large for him and wearing a battered, oily Stetson sat on a bench outside the front entrance, whittling. It was just that sort of a place, rural to the hilt, stock car racing and bluegrass ballads forever.
The old fellow looked up curiously as the procession passed by with a tall, distinguished-looking man ceremoniously in the middle. The elderly gent just shook his head and grinned at this spectacle, showing the few tobacco-stained teeth he had left. Then he took a nip of refreshment from a flask pulled from his pocket and returned to his artful wood carving.
The woman, in her early thirties and dressed in a black pantsuit, was in step behind the tall man. In the past her heavy pistol in the belt holster had scraped uncomfortably against her side, causing a scab. As a solution she'd sewn an extra layer of cloth into her blouses at that spot and learned to live with any lingering irritation. She'd overheard some of her men joke that all female agents should wear double shoulder holsters because it gave them a buxom look without expensive breast enhancement. Yes, testosterone was alive and well in her world.
Secret Service agent Michelle Maxwell was on the extreme fast track. She was not yet at the White House detail, guarding the president of the United States, but she was close. Barely nine years in the Service, and she was already a protection detail leader. Most agents spent a decade in the field doing investigative work before even graduating to protection detail as shift agents, yet Michelle Maxwell was used to getting to places before other folks.
This was her big preview before almost certain reassignment to the White House, and she was worried. This was an unscheduled stop, and that meant no advance team and limited backup. Yet because it was a last-minute change in plan, the plus side was no one could know they were going to be there.
They reached the entrance, and Michelle put a firm hand on the tall man's arm and told him to wait while they scoped things out.
The place was quiet, smelled of death and despair in quiet pockets of misery centered on coffins in each of the viewing rooms. She posted agents at various key points along the man's path: "giving feet" as it was called in Service parlance. Properly done, the simple act of having a professional with a gun and communication capability standing in a doorway could work wonders.
She spoke into her walkie-talkie, and the tall man, John Bruno, was brought in. She led him down the hallway as gazes from the viewing rooms wandered to them. A politician and his entourage on the campaign trail were like a herd of elephants: they could travel nowhere lightly. They stomped the earth until it hurt with the weight of the guards, chiefs of staff, spokespersons, speechwriters, publicity folks, gofers and others. It was a spectacle that if it didn't make you laugh would at least cause you considerable worry about the future of the country.
John Bruno was running for the office of president of the United States, and he had absolutely no chance of winning. Looking far younger than his fifty-six years, he was an independent candidate who'd used the support of a small but strident percentage of the electorate fed up with just about everything mainstream to qualify for each state's national ballot. Thus, he'd been given Secret Service protection, though not at the staffing level of a bona fide contender. It was Michelle Maxwell's job to keep him alive until the election. She was counting the days.
Bruno was a former iron-balls prosecutor, and he'd made a great number of enemies, only some of whom were currently behind bars. His political planks were fairly simple. He'd tell you he wanted government off the backs of the people and free enterprise to rule. As for the poor and weak, those not up to the task of unfettered competition, well, in all other species the weak died and the strong prevailed, and why should it be any different for us? Largely because of that position, the man had no chance of winning. Although America loved its tough guys, they weren't ready to vote for leaders who exhibited no compassion for the downtrodden and miserable, for on any given day they might constitute a majority.
The trouble started when Bruno entered the room trailed by his chief of staff, two aides, Michelle and three of her men. The widow sitting in front of her husband's coffin looked up sharply. Michelle couldn't see her expression through the veil the woman was wearing but assumed her look was one of surprise at seeing this herd of interlopers invading hallowed ground. The old woman got up and retreated to a corner, visibly shaking.
The candidate whirled on Michelle. "He was a dear friend of mine," Bruno snapped, "and I am not going to parade in with an army. Get out," he added tersely.
"I'll stay," she fired back. "Just me."
He shook his head. They'd had many such standoffs. He knew that his candidacy was a hopeless long shot, and that just made him try even harder. The pace had been brutal, the protection logistics a nightmare.
"No, this is private!" he growled. Bruno looked over at the quivering woman in the corner. "My God, you're scaring her to death. This is repugnant."
Michelle went back one more time to the well. He refused yet again, leading them all out of the room, berating them as he did. What the hell could happen to him in a funeral home? Was the eighty-year-old widow going to jump him? Was the dead man going to come back to life? Michelle sensed that her protectee was really upset because she was costing him valuable campaign time. Yet it wasn't her idea to come here. However, Bruno was in no mood to hear that.
No chance to win, and the man acted like he was king of the hill. Of course, on election day the voters, including Michelle, would kick his butt right out the door.
As a compromise Michelle asked for two minutes to sweep the room. This was granted, and her men moved quickly to do so while she silently fumed, telling herself that she had to save her ammo for the really important battles.
Her men came out 120 seconds later and reported everything okay. Only one door in and out. No windows. Old lady and dead guy the only occupants. It was cool. Not perfect, but okay. Michelle nodded at her candidate. Bruno could have his private face time, and then they could get out of here.
Inside the viewing room, Bruno closed the door behind him and walked over to the open coffin. There was another coffin against the far wall; it was also open, but empty. The deceased's coffin was resting on a raised platform with a white skirting that was surrounded waist-high with an assortment of beautiful flowers. Bruno paid his respects to the body lying there, murmuring, "So long, Bill," as he turned to the widow, who'd returned to her chair. He knelt in front of her, gently held one of her hands.
"I'm so sorry, Mildred, so very sorry. He was a good man."
The bereaved looked up at him from behind the veil, smiled and then looked down again. Bruno's expression changed and he looked around, though the only other occupant of the room was in no condition to eavesdrop. "Now, you mentioned something else you wanted to talk about. In private."
"Yes," the widow said in a very low voice.
"I'm afraid I don't have much time, Mildred. What is it?"
In answer she placed a hand on his cheek, and then her fingers touched his neck. Bruno grimaced as he felt the sharp prick against his skin, and then he slipped to the floor unconscious.


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Recent posts: vere hill
New Peakafeller Music Video – "My Electro" Ft Vere "Shiloh" Hill
5 June 2014 admin
Peakafeller hit track " My Electro" ft. Vere "Shiloh" Hill from the album "Happy By Now" available on Itunes will slash into your screens just in time for summer. Have you ever wondered what a party with a chicken, a rooster and a beaver would be like? Look no further, Peakafeller has got the answer! Check out his new music video coming Friday June 13th and find out what happens when the rooster "Drop's the Bass"


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Only hours after Judge Lucy Koh granted Apple a preliminary injunction blocking the sale of the Galaxy Tab 10.1 tablet in the United States, Samsung made it clear it plans to appeal the ruling. The electronics maker filed a notice to appeal in the patent infringement case on Wednesday, according to Foss Patents.
Samsung to appeal Galaxy Tab 10.1 injunction
Apple and Samsung have been fighting in court over patent infringement claims for over a year and have been seeking injunctions to block each other's mobile devices from being sold to consumers. Yesterday's ruling marks the first time Apple has won an injunction in the United States to block the sale of what it sees as an iPad copycat.
In her ruling, Judge Koh stated, "Although Samsung has a right to compete, it does not have a right to compete unfairly, by flooding the market with infringing products."
Apple still needs to post a US$2.6 million bond before the injunction order goes into effect, and the iPhone and iPad maker hasn't said when — or if — it plans to do so.


text: INDIANLAKE-The Junior Girl Scout Troop from Indian Lake is hosting a Pasta Dinner Saturday, April 2 from 5 - 8 p.m. at the American Legion Building in Indian Lake. Cost is $8 for adults and $5 for children. Take-outs will be available. Money raised will pay for a bus trip to the Bronx Zoo on May 14.


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College Penguin ORIGINAL PENGUIN Retro Indie Tee
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Collegiate inspired Original Penguin Retro T-shirt. A hint of Varsity sports influence with a cool collage print creating a neat Seventies Vintage graphic T-shirt. College Penguin Mens T-shirt by Original Penguin.
College Penguin Mens Retro crew neck, short sleeve T-shirt with Varsity inspired collage print to front. Soft cotton T-shirt with white and mustard yellow logo print. Collegiate style for the Summer season. College Penguin Mens T-shirt.
ORIGINAL PENGUIN MENS RETRO INDIE SEVENTIES VARSITY COLLAGE T-SHIRT. Brand: Original Penguin by Munsingwear
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Rhododendron Plant Search
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More Information: Rhododendron 'Saint Merryn'
Predominant Flower Color: Purple
Flower/Truss Description: Flower broadly funnel-shaped, 1" across, strong violet. Truss has 2 to 4 flowers.
Fragrant: No
Bloom Time:
Early Midseason
Foliage Description / Plant Habit: Leaves lanceolate, apiculate and obtuse apex, about ½" long, glossy, dark green. Dense, mounding habit.
Height: 2 feet in 10 years.
Cold Hardiness Temp: -5°F (
Parentage (Seed Parent x Pollen Parent):
Saint Tudy x impeditum
Elepidote (E) or Lepidote (L): L
Hybridized or Selected by: Harrison
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Using a non chemical method to calm your waves and curls will keep your hair healthy. L'Anza Healing Smooth Smoother Straightening Balm blocks humidity and stops frizz whilst helping to maintain a healthy internal moisture level.
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Applying to Four Corners MSW Program
The Four Corners MSW Program is designed to increase the availability of social work resources and services in the area where the borders of Colorado, Arizona, New Mexico and Utah meet. Our office and classrooms are located in Durango, Colorado, so you can earn your MSW degree from the University of Denver in, or near, your home community. The Four Corners MSW tuition rate is lower than that paid by students on the Denver campus, and we offer a weekend schedule of Friday afternoon and Saturday classes to accommodate the needs of working adults.
Application deadlines
Application deadlines for the 2019 Advanced Standing Four Corners MSW program are listed below.
- Early Deadline: December 15, 2018 – if you complete your application by December 15, we will waive the $65 application fee. You will receive your admission decision by February 1, 2019.
- Regular Deadline: January 15, 2019 – if you complete your application by January 15, you will receive your admission decision by March 1, 2019.
January 16, 2019 through June 30, 2019 – if you complete your application after January 15, your application will be considered if space is available.
We will not accept applications for the 2019 Advanced Standing Four Corners MSW program after June 30, 2019.
Entry dates
- Two-Year Program—The next cohort of two-year students will begin the Four Corners MSW Program in the fall of 2020.
Advanced Standing Program—The next cohort of advanced standing students will begin the program in the summer of 2019. The Advanced Standing Program is available only to applicants with a bachelor's degree in social work from a college or university whose social work program is accredited by the Council on Social Work Education (CSWE) at the time the degree is conferred.
NOTE: To ensure that students who have earned a BSW degree from a CSWE-accredited program do not repeat what has been mastered in their baccalaureate social work education, they are not accepted into the two-year MSW program. Exceptions to this policy are rare and may be considered through an appeal to the Associate Dean for Academic Affairs. Please contact the GSSW Office of Admission for additional information.
- University of Denver/Fort Lewis College Cooperative Undergraduate/Graduate MSW Program—This program is open to Fort Lewis College undergraduates majoring in Anthropology, Psychology or Sociology-General Option.
For additional information about the Four Corners MSW Degree Program, please contact Clinical Associate Professor Wanda Ellingson, program director (970-247-9773) or (970-259-4122).
Listen to a KDUR radio interview with the Four Corners program director and assistant director who discuss the program's community partnerships, curriculum, international opportunities and Native course content.
How to apply
The application for the 2019 Four Corners Advanced Standing MSW program is now available; apply now. To apply, you must submit an application online.
View our application instructions.
A completed MSW application includes:
- the Master of Social Work Application (submitted online)
- the Career Goals Statement; For detailed instructions, view the printable instructions (PDF).
- an Experience Summary (submitted online)
- an official transcript from each college or university previously attended (Official paper transcripts must be mailed to the GSSW Office of Admission.)
- two written recommendations
- You'll need reference names and valid email addresses during the online application process.
- Recommenders will be emailed the appropriate form and detailed instructions on how to submit their recommendation electronically.
- a résumé (submitted online)
- a $65 application fee (submitted online or mailed separately)
Please note that GRE scores are not required as part of our MSW admission process.
International students who wish to apply to the MSW program also must submit additional items listed on our international student page.
For additional information about the MSW application process, please contact the GSSW Office of Admission and Financial Aid or (303-871-2841).


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Have you seen the latest issue of Leanne Beasley's Vignette magazine? Among the pages you will find the Cinderberry Stitches studio and a girl I kind of know looking back at you. Let me tell you it was amazing to have both Leanne and Melinda come to visit my home studio - you know you are among great friends when you only stop talking to take a breath and eat.
Hey...that's me!
Among many things I showed the girls were my original strike off fabrics from Woodland - yes, those colors that never did make it to the final collection you see in stores today. Can you believe there were 50 options before I had to get tough and cut it down to the final 32. Trust me - it's a difficult decision to make when the time arrives, choosing what stays and goes....like choosing the best kids to keep. Maybe I need to devote a post to 'those cotton souls that didn't get a selvage' someday.
(image taken by Leanne....yes, it's a tease - some of the fabrics that didn't make it.)
For those who have visited my hometown Geelong, I took the girls to my favorite local store Lily Pond - it's an enchanting emporium of all things French. I'll be honest, we could have stayed there all day with French music playing in the background and the most amazing products & accessories to discover - love that place.
So that's the background of Vignette's visit to Cinderberryville, it was fun, went too fast and was full of inspiration. Among the pages of Issue 7 you will also find a gorgeous quilt Leanne made & Melinda quilted using a fat quater pack of Woodland, it's called 'Sweet Dreams' & perfect to snuggle under - so grab a copy of the magazine and a pack of Woodland and start stitching away.
........and if you have yet to grab your own bundle of fabric then keep reading.
To celebrate the studio feature & visit in Vignette I have one bundle of 32 fat quarters from my Woodland line straight from the Cinderberry studio (yes, that's the complete collection folks) AND a copy of Leanne's Vignette - Issue 7 to giveaway.
If you are the lucky winner you can put your feet up and read Vignette while hugging your new fabric or just hug them both. You only have one week to enter the competition by leaving a comment on this blog post & I will choose one winner at random on the 29th June 2012.
So what are you waiting for? go pop your name in the draw!
Natalie x
Find Cinderberry Stitches on facebook & see what keeps me busy.


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Sustainability 2012, 4(10), 2377-2398; https://doi.org/10.3390/su4102377
Sustainability Features of Nuclear Fuel Cycle Options
Massachusetts Institute of Technology, 77 Massachusetts Avenue, Cambridge, MA 02139, USA
Author to whom correspondence should be addressed.
Received: 31 May 2012 / Revised: 24 August 2012 / Accepted: 12 September 2012 / Published: 27 September 2012
(This article belongs to the Special Issue Sustainable Nuclear Energy)
AbstractThe nuclear fuel cycle is the series of stages that nuclear fuel materials go through in a cradle to grave framework. The Once Through Cycle (OTC) is the current fuel cycle implemented in the United States; in which an appropriate form of the fuel is irradiated through a nuclear reactor only once before it is disposed of as waste. The discharged fuel contains materials that can be suitable for use as fuel. Thus, different types of fuel recycling technologies may be introduced in order to more fully utilize the energy potential of the fuel, or reduce the environmental impacts and proliferation concerns about the discarded fuel materials. Nuclear fuel cycle systems analysis is applied in this paper to attain a better understanding of the strengths and weaknesses of fuel cycle alternatives. Through the use of the nuclear fuel cycle analysis code CAFCA (Code for Advanced Fuel Cycle Analysis), the impact of a number of recycling technologies and the associated fuel cycle options is explored in the context of the U.S. energy scenario over 100 years. Particular focus is given to the quantification of Uranium utilization, the amount of Transuranic Material (TRU) generated and the economics of the different options compared to the base-line case, the OTC option. It is concluded that LWRs and the OTC are likely to dominate the nuclear energy supply system for the period considered due to limitations on availability of TRU to initiate recycling technologies. While the introduction of U-235 initiated fast reactors can accelerate their penetration of the nuclear energy system, their higher capital cost may lead to continued preference for the LWR-OTC cycle. View Full-Text
Keywords: nuclear fuel cycle; analysis; nuclear reactor technologies►▼ Figures
Figure 1
This is an open access article distributed under the Creative Commons Attribution License (CC BY 3.0).
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Passerini, S.; Kazimi, M. Sustainability Features of Nuclear Fuel Cycle Options. Sustainability 2012, 4, 2377-2398.
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Passerini S, Kazimi M. Sustainability Features of Nuclear Fuel Cycle Options. Sustainability. 2012; 4(10):2377-2398.Chicago/Turabian Style
Passerini, Stefano; Kazimi, Mujid. 2012. "Sustainability Features of Nuclear Fuel Cycle Options." Sustainability 4, no. 10: 2377-2398.
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text:
I am so excited to report that we DID get snow last week!! We got a whopping 6-7 inches of snow which happens to be the most we've had in at least TEN YEARS and I'm calling it a blizzard. :)
I like to see snow, but I want it gone after we've had our fun in it. The snow was pretty much gone by the next night, but I snapped well over 600 pictures before it was all said and done.
It snowed a little(a dusting on the ground) last year so Evan had seen it before. You can read about that here.
This was Isabella and Darla's first time seeing snow.
We had an absolute blast! This is Evan and I riding on our "redneck sled" AKA an old car hood.
Evan's first snowball.
He loved the snow and we stayed out in it as much as possible.
I love how pretty snow makes everything! I'm sure I'll post some more pictures during the week.
Oh, OK...well, one more picture of Isabella taking it all in-


text:
[11/09/2018] Thanks to all who attended our Vestival at the Delphi grounds raising over £3k for StreetVet, Cats Protection, Our Special Friends, Ardmore Strays and the Firefighter Charity.
[14/03/2017] Lovely to see all the dogs at St Peter's Church on the market hill this Saturday. And their owners!
[08/09/2016] Thank you to all those that attended the Pop-Up Team Room for the Cinnamon trust on Saturday.
[27/04/2016] We would like to wish our very own Veterinary Surgeon Richard the
best of luck as he cycles from his home to London then all the way to
Paris this week! He is raising money for the charity Hove...
[13/11/2015] A young male cat called 'Joey' was hit by a car on the 24th
of October; as a result of the impact he suffered one broken hind leg and very nasty
wound on his other hind leg. Despite his injuries,...
[13/09/2015] Did you know that Vets are required to attend 35 hours of CPD (Continued
Professional Development) per year and Nurses are required to attend 15
hours per year, this is to ensure that they main...
[25/06/2015] Jesse the cat was in to be neutered today. The following pictures show the stages of the day while she was in with us.
[05/06/2015] We would like to say a massive congratulations to Coco Welham who has
lost an amazing 12kg over the last 7 months!
Homepage •
Contact •
©2018 Ardmore Veterinary Group Ltd Registered in England, company number 5937255
01787 372588 firstname.lastname@example.com


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Sept. 24, 2012
FURMAN, S.C – The fall season for the Florida State women's tennis team started off on a good note as six ladies competed at the Furman Fall Classic this past weekend.
"I was very pleased with the effort the ladies put forth this weekend," head coach Jennifer Hyde said. "We stressed last week that we needed to go into this tournament and compete at a very high level and I thought that we delivered."
Sophomore Daneika Borthwick made a strong debut as a Seminole as she went on to defeat No. 18 Brynn Boren of Tennessee in three sets, 6-2, 3-6, 6-3 in the first round of Flight One singles. Borthwick would fall to Gina Suarez- Malaguti of North Carolina in the second round, 6-1, 6-5 before winning the third place match against Lauren Kline of Furman, 6-3, 6-0.
"I was proud of Daneika," Hyde said. "She defeated a Top 20 opponent in her first-ever college match."
In flight four, sophomore Mia Vriens recorded three victories in order to secure the championship for the draw. She began the tournament by defeating Kelly Sullivan from Furman 6-1, 2-6, 6-0. In round two, she knocked off Natalia Maynetto of Alabama, 6-2, 7-6 (6) before winning the final match against Yui Lynn Mio of Clemson, 6-1, 6-3.
"It was good for Mia to win her flight this weekend," Hyde said. "She went undefeated this weekend by playing some solid tennis."
Sophomore Leyla Erkan battled to the final match of the fifth flight of singles, but fell to Romy Koelzer of Clemson, 7-5, 6-4 to take second place. In the first round, Erkan defeated Joanna Henderson of Tennessee 7-5, 6-0 before adding another win against Alex Moreno of Furman 6-3, 6-3.
Seniors Amy Sargeant and Francesca Segarelli finished fifth and sixth, respectively in their draws.
"Amy and Fran played some great tennis this weekend," Hyde said. "They competed unbelievably well."
In doubles place, Vriens and Borthwick teamed up to take third place in the second flight, while Sargeant and Segarelli finished in fourth.
"I feel like we found out some specific things that we need to work on individually," Hyde said. "This also gave us a look what we have to be excited about for the rest of the fall season and into the spring. We had a very successful weekend and we're just going to build off of that as we head into the Rivera/All-American event."
Three ladies will head to Los Angeles this weekend to compete in the Rivera/All-American Championships. Borthwick and Segarelli will play in the pre-qualifying rounds of singles, while Sargeant will match up with Seagrelli to play in doubles. All pre-qualifying will being Sept. 27 and will be held at UCLA.
Flight One – Danieka Borthwick
Borthwick def. Boren (UT)- 6-2, 3-6, 6-3
Malaguti (UNC) def. Borthwick- 6-1, 6-5
Borthwick def. Kline (Furman) – 6-3, 6-0 (Third Place)
Flight Two- No. 81 Francesca Segarelli
Williams (UT) def. No. 81 Segarelli – 6-4, 6-4
No. 81 Segarelli def. Anderson (USC) – 6-1, 6-2
No. 28 Szekely (UT) def. No. 81 Segarelli – 6-4, 3-6, 7-5 (Sixth Place)
Flight Three – Amy Sargeant
Murray (Furman) def. Sargeant – 1-6, 6-3, 6-3
Sargeant def. Zabor (UA) – 4-6, 6-2, 6-2
Sargeant def. Dewar (CU) – 6-4, 7-5 (Fifth Place)
Flight Four – Mia Vriens
Vriens def. Sullivan (Furman)- 6-1, 2-6, 6-0
Vriens def. Maynetto (UA) – 6-2, 7-6 (6) (First place)
Vriens def. Miao (CU) 6-1, 6-3
Flight Five – Leyla Erkan
Erkan def. Henderson (UT) – 7-5, 6-0
Erkan def. Moreno (Furman) – 6-3, 6-3
Kolezar (CU) def. Erkan 6-4, 6-2 (Second Place)
Flight One –No. 56 Segarelli/ Sargeant
No. 56 Segarelli/Sargeant def. Kline/Moreno (Furman) – 9-8 (1)
Kay/Dai (UNC) def. No. 56 Sargeant/Segarelli – 8-6
Macfarlane/Jansen def. No. 56 Sargeant/ Segarelli – 8-4 (Fourth Place)
Flight Two – Vriens/Borthwich
Vriens/Borthwick def. Tavares/Fotopoulous (UT) – 8-2
Koroleva/Dewa(CU) def. Vriens/Borthwick – 8-1
Borthwick/Vriens def. Anderson/Siles (USC) – 8-2 (Third Place)


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TRUCKBUSTERS - ExportING USED VAN parts AND TRUCK PARTS WORLDWIDE
We are regularly shipping used van parts and truck parts all over the world. Smaller parts can be sent via airfreight but for larger items shipping can be arranged either door to door or to any UK dock for onward shipment.
We always have a good stock of engines and gearboxes for trucks and vans suitable for refurbishment.
Onsite loading facilities are available for bulk purchases.
We are experienced at loading shipping containers and have all the necessary equipment & expertise to efficiently carry this out.
As we are a fully licenced Authorised Treatment Facility we can depollute and dismantle vehicles purchased from us on site, loading a lorry in accordance with new UK and EU regulations and loading them directly into your shipping container, or into a suitable Tautliner Trailer.


text: ← March 7th, 2017 March 3rd, 2017 → March 4th, 2017 Posted: March 4th, 2017Author: zittelFiled Under: InstagramLeave a Comment Love how quiet This place gets during the off-season. (Not that I don't love it full of people too!) Leave a Reply Click here to cancel reply. Notify me of follow-up comments by email. Notify me of new posts by email. ← March 7th, 2017 March 3rd, 2017 →


text:
- Home
- About AIT
- Products & Services
- Network Support & Maintenance
- Internet, Voice & Data Services
- Data Storage & Data Security
- Contact Us
AIT/TelePacific Telecom Services
One of the fastest growing private local companies in the nation.
Today's business communications revolve around the three "C"s: Connectivity, Cloud, and Continuity.
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Cloud Solutions: The Cloud is no longer an idea slowly building on the horizon. It's here today and is ready to be a rainmaker that helps your business run better, gain new customers and save money. Still, not all cloud solutions are created equal. Business-ready solutions – the kind you can feel comfortable entrusting with business-critical applications and operations demand guaranteed reliability, security and support. When those requirements are met, the decision to complement or replace on premise equipment and software with scalable, cost effective cloud-based solutions becomes easy and TelePacific meets them.
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TelePacific has your business continuity and security solutions covered.
For additional information call us at 949-748-8137 ask for Bob Abrahams
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* TelePacific Network Operations Centers (NOC) proactively resolves issues to protect your business.


text:
3 Ways to Let Your Man Be A Man
3. Let him clear his mind
Ladies, don't automatically think something is wrong with you when a guy is upset. He's probably just going through a personal problem. When he's done being standoffish, ask him what's up. If he doesn't want to share what's on his mind right away, don't nag him into talking. Guys aren't as emotional as females when it comes to being 100 percent open. The more you push him into talking, the more annoyed he becomes. As long as you express your initial worry, you can relax! He knows you're concerned. He'll come around when the time is right.


text:
New series.
Actress Angell Conwell, who has a recurring role on "The Young and the Restless" as attorney Leslie Michaelson, is set to star in Bounce TV's first original series, "Family Time." The sitcom, which co-stars Omar Gooding ("Hangin' With Mr. Cooper," "Ghost Dad"), surrounds the Stallworths, a working class family who become a middle-class family after winning on a scratch lottery ticket. Conwell plays Lisa Stallworth. "Family Time" premieres on Monday June 18 at 8:00 PM.
Soaps.com congratulates Conwell on her latest gig.
Read the latest on Jeanne Cooper's Not Young, Still Restless: A Memoir.
Join us on Twitter @soapoperafan and Facebook. Come tweet and Facebook with us about "The Young and the Restless," all the other soap operas, "Dallas," "Glee," "Grey's Anatomy," "Scruples," "Vampire Diaries," and "Venice The Series."
- Candace Young


text:
MINEOLA, TX (KLTV) - Just about everyone in the Mineola area has been touched by Mrs. Johnnie Bendy, either as their teacher or through her community service.
"I'm not one of her students, but on the way out here she said, 'I'm going to tell you something and you're going to do it,'" said one woman. "Oh yes, she demands."
Demanding is only one of many adjectives friends and admirers use to describe Mrs. Johnnie Bendy. Dynamic, inspiring and classy are just a few of the other descriptions. For over 80 years Bende's impact has been felt in the Mineola community.
"I've had a good life because I like people and the Lord has just blessed me to understand all people," said Bendy.
Johnnie Bendy was named after her father, who died in the great flu epidemic of 1918 just three weeks before she was born. Bendy's mother, Lee Ella, put an emphasis on education, inspiring her daughter to go to school, working as a domestic for a dollar and a quarter a week through high school and through Texas College.
"This is the time I did without food three days and nights before that time I just had peanut patties, cinnamon roles or something like that," said Bendy. "38 years taught for pre schools through the twelfth."
Bendy has been recognized as a distinguished teacher both locally and nationally. She taught in segregated schools for 20 years and another 18 after integration former student Shirley Roberson says Bendy had a great influence on her life.
"As students, she taught us to reach our goals, to set goals and to reach our goals," explained Roberson.
Not setting goals and striving to reach them just wasn't in Bendy's book.
"I used to tell them you have no excuses," said Bendy. "The only excuses you have is you are dead or some of your close relatives are dead."
Eddie Walton, who admits he was a bit of a troublemaker in class, says one of Mrs. Bendy's favorite sayings was: Never trouble trouble 'til trouble troubles you.
"She'd look at me and say, 'Eddie Ray, you're troubling trouble,'" said Ray.
Bendy still hears regularly from the many students she taught during her 38 years in the classroom.
"The Johnnie Bende trail, that must be fun to see your name," I said to her.
"Oh it is, it is, it really is," exclaimed Bendy.
Johnnie Bendy's honors and service to her community could fill a volume, ranging from volunteer of the year, woman of the year, and neighborhood watch chairman to contributions, both financial and historic, to the Mineola Nature Preserve.
Bendy, who fished in the ponds and walked along the railroad track on what is now the Mineola Nature Preserve, was the primary resource for the preserve's history.
"She's added a lot of history to the preserve as a result of her being involved with the focus group," said Mineola City Manager, Dion O. Miller .
Many of the names such as Bridge Bob, Goggle Eyed Pond, White Perch Hole and Turkey Island, all come from childhood memories. When Johnnie Bendy looks back over her life and the many legacies she leaves to the people of Mineola and East Texas, even she is a bit astounded.
"I don't know how I did that myself but I did," said Bendy.
Yes, she did.
You can get a good look at the Mineola Nature Preserve during Mineola's Third Annual Nature Fest. That's Saturday May 23th from 7am until midnight admission is free.
©2009 KLTV. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


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Stupak challenger expands campaign
Interest in Rep. Bart Stupak's likely GOP challenger has surged since the anti-abortion Michigan Democrat flipped to support the health care bill. Now buoyed by online donations, surgeon Dan Benishek has begun expanding his campaign infrastructure as more money continues to funnel in.
As of Tuesday evening, Benishek had raised more than $125,000 in online donations through his revamped campaign website. Before the March 21 vote, Benishek had only a shoestring campaign anchored by his wife and a dozen or so volunteers with only $10,000 in the bank. The Sunday night of the vote, nearly $20,000 in online donations flooded in, and he says the money hasn't stopped yet.
Story Continued Below
"He handed me a gift," Benishek said of Stupak's switch to yes. "The phone really hasn't stopped ringing." He still hopes to make reach his goal of $219,000 before the first quarter filing ends at midnight — $1,000 for each yes vote on the bill. So far, the money has enabled Benishek to hire WWP Strategies, a Virginia-based political firm with offices in Michigan. Their consultants, who have run several Michigan races and worked in the state Senate, include Katie Packer, who managed Mitt Romney's 2008 presidential campaign in the state. George Blichar will join Benishek's campaign this week as press secretary, coming from the state party. Benishek is still interviewing campaign manager candidates.
While he'd been in contact before with the National Republican Congressional Committee before the vote, Benishek said their interest in his candidacy has ramped up considerably since the vote. On Tuesday, Dennis Lennox, one of his Republican primary opponents, ended his exploratory bid, noting that although he had been encouraged by several party leaders to continue his campaign, he was instead running for the state House and backing Benishek.
Before Stupak's vote the political novice was running on a platform of creating jobs, arguing that the nine-term incumbent hadn't done enough to help the local economy and had hurt the district by supporting President Obama's economic stimulus bill last year. His focus partially shifted to Stupak's health care stance when the staunchly pro-life Stupak, who had banded together other anti-abortion Democrats who said they'd oppose the bill unless there were sufficient protections to ensure no federal money would fund abortions, voted yes. His support came after Obama said he'd reinforce the federal ban with an executive order. Benishek said he definitely plans to campaign on repealing the health care bill.


text: After years of research and countless hours of round-the-clock construction, The Rev. Brendan Powell Smith has finally developed a working time machine. This early model is not without its restrictions, explained Smith, as it can only travel forward in time not backward. Nonetheless, its first test was an unqualified success. "This morning I stepped into the machine and set it for an hour into the future. After a grueling sixty-minute journey, I had arrived in the future," smiled Smith, "exactly on time."


text:
Report NEP-IND-2006-03-18This is the archive for NEP-IND, a report on new working papers in the area of Industrial Organization. Kwang Soo Cheong issued this report. It is usually issued weekly.
Subscribe to this report: email, RSS or Twitter.
Other reports in NEP-IND
The following items were announced in this report:
- David P. Myatt & Justin P. Johnson, 2005. "Multiproduct Cournot Oligopoly," Economics Series Working Papers 145, University of Oxford, Department of Economics.
- Michael R. Darby & Lynne G. Zucker, 2006. "Innovation, Competition and Welfare-Enhancing Monopoly," NBER Working Papers 12094, National Bureau of Economic Research, Inc.


text:
Most Popular Pre-Paid Cellphone Carrier: Republic Wireless
When you're ready to give up contracts but you still want a decent phone on a solid network, you have options. A number of pre-paid carriers and MVNOs are ready to support you. Last week we asked you for the best, then highlighted the five best carriers and put them to a vote. Now we're back to feature the winner.


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