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For some readers this lesson may be old news but for many, this will possibly be the first time they have received a formal rundown of credit cards and how they work. Unfortunately, it seems like most information people get about credit cards are from personal experience or what they hear from their friends and family, and sometimes that information gets skewed. This lesson will attempt to give you a basic overview of how credit cards work and why they are very powerful tools that should not be feared or avoided.
What is a Credit Card?
A credit card is the physical representation of a certain amount of money a bank or credit union is willing to lend you via a "revolving credit" to make purchases each month or billing cycle. There is an interest rate associated with whatever balance you carry over at the end of each billing cycle. What this means is that if you pay your entire balance in full each month then you pay zero interest on all your purchases. If you do not pay the balance in full then the remaining amount carries over to the next statement and interest is then applied to the amount until everything is paid off in full. Late payments accrue fees as well. Many people confuse "minimum payment" with what they need to pay in order to not get penalized via high interest. This is incorrect. The only way you avoid paying anything extra is paying the "balance in full." So if you see $500 on your statement, you need to pay $500 or you will begin accruing high interest. The only thing the "minimum payment" amount does is avoids you having to pay any late fees. Banks love having people only pay the minimum because that equals high profit off interest.There should be no reason why you do not pay your balance off in full every month. If you can't, then you are spending too much money! Credit cards should not be used as loans to be paid over time. Also to clear up one very prevalent myth of carrying a balance and accruing interest: CARRYING A BALANCE DOES NOT "BUILD" YOUR CREDIT SCORE ANY FASTER THAN PAYING OFF YOUR BALANCES IN FULL. I have heard countless people preach about carrying a balance and think it is really helping them. I don't care if your mother, spouse, or bank tells you this, it is simply not true and is a horrible misconception that has caused a lot of people to needlessly pay high interest rates on balances they should have just paid off in full.
This "line of credit" or "credit limit" a card has is determined when you first apply for a credit card and can change throughout your relationship with that particular card. There are a few factors that a bank considers when granting a credit limit and interest rate. The two biggest factors are your credit score and income. Your credit score acts as an indicator of how much of a risk you are (i.e. the odds you will pay your credit card bill) by looking at your past behavior with loans, bills, and other credit cards. Late payments, delinquent accounts, and other negative examples from your credit history will appear on your credit report and give you a lower credit score. Paying all your bills on time, having a variety of accounts in good standing, and not having any delinquent accounts will be positive indicators and give you a generally higher credit score showing you are less of a risk for banks to issue you a credit card. There are some factors you do not have too much control over, most notably, your average age of credit and number of accounts. The younger you are the more likely these two factors will be limiting your overall credit score. Unfortunately a lack of credit history generally is seen as a riskier choice for many banks. So the more of a perceived risk you are the less chance you will be issued certain credit cards or get a high credit limit and low interest rate. You can mitigate these factors by not opening too many new accounts at once or you can open your first credit card sooner in life rather than waiting. There is a lot more to credit scores that I will extrapolate on further in future lessons but for now that is a very quick overview of how your score plays into getting a credit card.
What is also useful to know about credit cards is the difference between the credit card issuer and the credit network that card is a part of. The four main credit networks are American Express, Discover, MasterCard, and Visa. Thanks to effective marketing campaigns most of these names should be incredibly familiar to you. However with the exception of a couple, most networks do not issue their own cards and instead use other banks and credit unions to issue them. Why is this important? Well because not all cards are created equal, it is very important to identify those differences early on. You could have three different credit cards all branded with "MasterCard" but issued by three different banks. This translates into very different rewards from each card even though they are all MasterCards. One card could give its users miles, while one gives points, and the third might give straight cash. One of those cards could have an average of 2% back in rewards while the others could have 1% or less even though they are all MasterCards. The reason this is the case is because the issuing bank or credit union generally determines what the rewards are.
It is easy to see why many people see credit cards as dangerous traps no one should use. However, credit cards are not inherently evil. If you pay your full balance off each month, it is exactly like paying for everything that month in cash because you pay zero interest. By using a card, however, the benefit for you is that you are getting different rewards (cash, miles, or points) for every transaction you make. So when you pay your balances off in full you are actually sort of "making" money. For example, say two people spend $1,000 in one month for all their purchases. The first person uses cash only. Maybe they accrued a few ATM fees withdrawing the cash to use or maybe they used a debit card. Either way for that month they spent $1,000 or so and it is gone. The second person used credit cards that got them an average of 3% cashback for all their purchases and then paid their balances off in full. That second person who spent $1,000 and got $30 back, did not accrue any ATM fees, and continued to build their credit which will help them down the road when they apply for an auto loan or a mortgage. Now multiply this scenario by 12, 24, or 36 months and you can start to see how the second person will be much more financially healthy compared to the first person who just used cash for everything. Another benefit with using credit cards is fraud protection. We hear a lot in the news about how easy it is for someone to steal your credit card information but what you do not hear all the time is how virtually every card now comes with fraud protection. What this means is that if your card information is stolen and is used to make unauthorized purchases, you contact your bank and are not liable for those purchases. But what if you only use cash or a debit card and your wallet got stolen? Well in this case you will have a much harder time recovering from that. Cash is almost never recoverable and unauthorized debit purchases and ATM withdrawals are incredibly difficult to identify and prevent before it is too late. Once funds from those sources are stolen there is a good chance they will never be recovered and you will be stuck dealing with it. Credit cards give you the peace of mind that even if someone tries to use your credit card, you will have major financial institutions helping you and you will not have a cent of your own personal money affected. Other credit card benefits include extended warranties, price matching, and various travel insurances for your purchases of which using cash or debit definitely do not provide.
How do credit card companies make money off credit cards?
One of the easiest ways companies and banks make money off credit cards is due to the interest many people accrue when they do not pay their balances off in full. These also include late payment fees and cash advance fees. However, what about all the visitors at Credit Card Nirvana who never accrue interest and fees because they pay their credit card bills off in full and on time? Well, for these people and everyone who uses a credit card, companies and banks get money for every transaction made with a credit card, paid by the merchant. Ever wonder why certain stores beg you to open one of their branded cards instead of using one of your own?
Or why do certain small businesses and restaurants only take cash? Well the reason is that every time you swipe your credit card to buy something, that merchant pays a small percentage of that purchase to the credit card network. So even though you pay your bill off in full and never pay a cent in interest, the companies involved are still making money off of you. Your rewards when using your card is the company giving you a small piece of what they get off your transaction. That is why generally the higher rewards cards carry an annual fee to help offset that for the companies. Depending on your spending habits these annual fees can have a small or a large impact on your total rewards. I will discuss more about this in future posts and reviews.
What is a charge card and how is it different from a credit card?
Many times I will hear people use "charge" and "credit" interchangeably when talking about the cards they have. However there is one very important difference between the two. A charge card has to have its balance paid in full every month and does not have a revolving credit line like a credit card does. Charge cards also generally do not have a monthly spending limit. With a credit card you choose to pay the minimum balance, the full balance, or somewhere in between without be penalized (aside from accruing interest which in my opinion is a punishment in itself!). Most cards out there are credit cards, however, there are a few examples of charge cards. Some American Express cards are the most notable charge cards such as the American Express Platinum Card. I, however, view ALL credit cards as charge cards. If I cannot pay the monthly balance off in full every time, I won't spend the money. The interest rate alone is not worth it and destroys whatever I have previously gained in credit card rewards.
Credit cards are amazing if used correctly. Half the battle is understanding how they work and knowing how someone can dig themselves quickly in debt if they do not pay their balance off in full. Knowing that not all cards are the same and give out the same rewards is equally important. I hope this was a useful overview of some of the basics about credit cards. I will continue to post lessons about different aspects of credit cards to help everyone on their journey. Remember when it comes to credit cards, knowledge is power.


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Veteran LPGA player and Sioux Falls native Kris Tschetter will speak and autograph her new book at the Great Plains Golf Expo on Saturday and Sunday at the Sioux Falls Convention Center.
The author of Mr. Hogan, the Man I Knew, will have a question and answer session from noon to 12:30 Saturday and from 1 p.m. to 1:30 p.m. Sunday followed both days by a two-hour book signing. In 22 LPGA seasons, Tschetter has earned almost $3 million.
A wide range of products will be available to see and test at the expo which will be open from 9 a.m. to 6 p.m. Saturday and from 11 a.m. to 4 p.m. Sunday. Admission is $6 for adults and free to ages 12 and under. Admission is $4 for seniors on Sunday.

subset: commoncrawl


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Skegness is leading a campaign to get councils in Lincolnshire that are 'starved of funds' for vital services to join forces for a fairer deal.
A motion has been put forward by Skegness Town Council strongly objecting to the present 'unfair' funding formula.
If we were funded at the average core spending power of the Metropolitan areas that would bring an additional £87m per yearCoun Steve Kirk, Skegness Town Council motion
Coun Steve Kirk, who put forward the motion, said: "Services are already stretched to breaking point.
"We understand councils are struggling for cash, but when it's a choice between getting an elderly relative out of bed and cutting the grass or switching on the street lights, it's targeting vulnerable people. It shouldn't be happening."
The motion states: "We believe that it is an outrage that, based on the current number of homes in the county, if Lincolnshire was funded at the average core spending power of the Shire areas we would receive an additional £57m per year.
"If we were funded at the average core spending power of the Metropolitan areas that would bring an additional £87m per year and the London areas, a staggering £141m per year.
"Think what we could do with that amount of cash."
Proposals included:
n Writing to Lincolnshire County Council expressing support for their Fairer Funding campaign.
n Writing to Lincolnshire Association of Local Councils (LALC) asking that all parish councils consider moving a similar motion
n Writing to all district councils asking them to consider moving a similar motion
n Writing to MP Matt Warman expressing deep concerns about the continued use of an unfair funding formula in Lincolnshire.
The motion was passed with an amendment that the response from the MP should go back on the council agenda to be debated.
The Standard sent a copy of the motion to Mr Warman, who said: "I welcome the motion by Skegness Town Council, to further build on the existing work carried out by myself and other Lincolnshire Members of Parliament.
"Lincolnshire needs fairer funding and this proposal joins the Government's own bid to make local government funding fairer for everyone."


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Analytics of petrochemical markets
Our Clients
(ICIS) -- European producers of dioctyl
phthalate (DOP) are turning down sales to avoid negative margins, market sources
said on Thursday. Prices in northwest Europe are at EUR1,280–1,340/tonne FD
(free delivered), although some producers are reportedly declining bids below
EUR1,350/tonne (USD1,753/tonne) FD. "We are not selling any product below
EUR1,350/tonne as there is no margin at these levels," said a northwest European
Other local suppliers are currently selling material at EUR1,300/tonne FD
NWE (northwest Europe) and above, and are reluctant to negotiate lower prices.
"If demand does not recover, production will be reduced accordingly," said one
producer. However, cheaper material is being sold by eastern European producers,
with offers in the high EUR1,200s/tonne FD NWE.
Several DOP producers in Europe supply 2-ethylhexanol (2-EH) and phthalic
anhydride (PA), while they purchase orthoxylene (OX) from third parties. One
producer said: "Each producer has a different production cost base, as they have
access to raw material at different price levels."
Depressed conditions in DOP, which accounts for two-thirds of the
low-phthalate market in Europe, are caused by a number of factors.
Firstly, the long-term negative sentiment caused by European
environmental restrictions has led to a gradual shift of demand to
Reach-friendly high-phthalate compounds such as di-isononyl phthalate (DINP) and
di-propyl heptyl phthalate (DPHP). Reach – the registration, evaluation and
regulation of chemicals – is the EU chemical regulation programme.
Secondly, the downtrend has been exacerbated by depressed conditions in
the downstream polyvinyl chloride (PVC) and construction sectors, in which
activity remains far below pre-crisis levels.
Thirdly, fears of a double-dip recession have led producers of
plasticisers to bring the annual destocking cycle forward, leading to an
improvement in product availability and lower prices in alternative products
such as DINP and DPHP.
Consumption is at a record low, with very few spot deals heard in the
market and some producers struggling to find customers or secure contracts for
January. Week-on-week decreases brought Europe's DOP spot values down to a
20-month record low two weeks ago. However, recent cuts in operating rates to
50–60% at some manufacturing sites have successfully stabilised prices.


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My appendix gave up on Easter Sunday, 1993. I had been out in Providence the night before. Had a beer. Got home and spent the evening puking my guts up and having terrible diarrhea. I remember thinking that my tolerance had really waned. I was sick enough that I wasn't thinking clearly already.
At around 5 in the morning, my room mate at the time, a guy named Tom who I barely remember, came into the bathroom and suggested that I go to the hospital. Which, lucky for me, was right next door.
They admitted me and then proceeded to run every possible test that they could run. They couldn't give me pain medication because they don't want to numb something that might give a clue as to what is going on. Every so often a doctor or a nurse would come in and press on my belly just to see how loud I would yell.
Finally at around 10 they shot me up with something once they'd determined that my appendix was trying to exit my body. I had been up for almost 30 hours by that point. I remember that the drug took effect so quickly that all pain almost instantly vanished. But I was so tired that it also dropped me right off to sleep. I know from there I was prepped for an operation but I have no memory of it. I know they then anesthetized me further in order to begin cutting me open but I have no memory of that either. I don't remember the cliche 'Count back from 100' moment. I never saw the doctor who saved me.
I woke up. I was in such pain that I thought there must have been some mistake, that they'd left my appendix in by accident. I actually asked a nurse if they could check to make sure. She assured me that, no, they had taken the appendix out, what I was feeling was the aftermath of the operation itself. I'd somehow thought of it like a big shot, that once they took it out, all the pain would be gone! I neglected to consider the fact that I'd have a gaping wound to deal with too. When I think of how stupidly I faced this stuff I wonder I made it this far.
This was pre-cell-phone so I don't know how I did it but I got word to Maria what had happened, where I was. She was still married at the time and we'd not been in contact for some time. She came and visited me and walked me up and down the hall in my little hospital robe hooked up to an IV and she brought me a Marlboro Medium to smoke. In the hospital. Imagine that.
Somewhere in here my Dad gave me 'The Magic Mountain' by Thomas Mann. I always thought there was some specific reasoning behind this, that he'd pored over the book and found the moral to be something that might be useful for me as I faced this recovery period.
Many years later I found out that this was not the case at all.
I started to read it. I moved home for a time. I took a leave of absence from my gig with Looking Glass Theater, as lugging equipment and doing two shows a day in elementary schools was out of the question. I tried to go back to work and almost passed out during a show. I kept reading.
I didn't finish the book, as great as it was. Maria moved out of her husband's house, we started dating, I resumed my acting job and began playing shows out with my band, the book was connected to my appendix and that was no longer a focal point.
By the following summer Maria and I had broken up and I was bent on moving to New York City.
I started reading the book again once I got down there, squatting in a dorm room at Columbia's Teacher's College. My friend had moved in with her boyfriend and left her dorm room empty. I was grieving the time I'd spent in Providence and working in the Columbia bookstore. I almost broke my ankle running for a subway. I was so new to the city that I didn't understand that another one would be along in 5 minutes so I ran pell-mell down a flight of stairs, tripping on the last one and coming up horribly lame.
When I look back on my life I feel as if I've been hanging on by the slightest thread.
This was 1994.
1996 Marriage. 1997 Child. 2000 Divorce. New love. 2001 9/11. 2001-2003 Cross country. 2003 Move to LA. Career free-fall.
Throughout that time I started to read 'The Magic Mountain' many many times. I never got past say page 250.
Last summer I determined that I would finish it. My father was very sick and I wanted to know the ending to this book that meant so much to him that he gave it to me as I convalesced.
Then in one of our nightly 5PM conversations, I brought it up, asked him why he'd given it to me.
Turns out he'd never even read it!
We laughed about that.
Monday, June 15, 2009
Book 45: The Magic Mountain by Thomas Mann
Posted by Brendan O'Malley at 9:40 AM
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I saw V for Vendetta which was rather an endurance test, played games and watched a marathon of the first season of West Wing with my parents, who I'm starting to believe put me on this earth just so they could have someone to slaughter at dominoes. I got even, however, as this weekend they agreed to let me teach them yoga, to hilarious results. Between my mother's snarky complaints and my father's tying himself into a pretzel and collapsing in a fit of laughter, it was like hanging out with George and Gracie.
We had a full house for Easter, and argued about global warming and political strategies in the middle east and my uncle and I almost came to blows when I tried to tell him that what we call "democracy" other people consider "fascism" and "cultural imperialism." We love to argue, so the day was complete. We also played Loaded Question with everyone from my 11-year old cousin Neil to the 93-year old mother of my aunt's boyfriend. [This is a game where everyone answers the same question and one person has to guess who said what]. My favorite answer was Neil's, to the question: "If you could have one pet besides a dog or a cat, what would it be? A. A giant chicken that could never die. This leads me to believe that he is on the cusp of being really cool, a turn of events that seems to happen to kids in my family at 11. Good show.
I also did what St. Francis would do and bought all new underwear and a locked suitcase to keep it in, instead of calling the mouse exterminator. For those of you just tuning in, the mice in my house have set up camp in my laundry bag and have been subsisting on a diet of the crotches of my underwear. While some may find this flattering, it causes me pure terror. But at least it forced me to buy a whole new collection of lingerie.
Finally, I got the chance to do my annual first hike of the season up Breakneck Ridge. And I dragged Greg along with me. But not without a fight:
GREG: Just one question: Um . . . so . . . why do they call it "Breakneck?" Because I was thinking of something with a name like "Minnewaska" or something, which could be Iroquois for "Breakneck" or could just as easily be Iroquois for "nice pleasant hike with little likelihood of breaking one's neck" I don't know; I don't speak Iroquois.
ME: Now, Greg, did the nice cowboys in Brokeback Mountain fracture ANYTHING? Don't be a wuss. I am shocked that you've never hiked Breakneck - we must right this situation. You'll love it.
GREG: To the best of my knowledge, the nice cowboys in Brokeback Mountain didn't break anything except cinematic boundaries. I wouldn't know, not having seen the film, and nor do I intend to. It's not that I have anything against homosexuals -- Elton John is gay, and though I snicker every time I hear him sing "Don't Let the Sun Go Down on Me," I admire the man's contribution to the musical scene -- but I have serious moral objections to the cowboy lifestyle. Men riding horses and playing harmonica by campfire and wearing big hats and rustling cattle? It's just not right. It's not natural.
Oh, and also because I hate Annie Proulx. If you see her, please tell her I want to be compensated for the time I spent reading "The Shipping News." 335 pages, maybe 1.5 minutes per page, that's 8.3 hours of my life I'd like back. Maybe she can do 8.3 hours worth of my errands sometime this summer? I'm flexible.
ME: Wow, Greg, I had no idea you were vaquerophobic. Geez, you think you know a person. Cowboys have feelings, too you know. And think about how they've contributed to society -- strip steak, those great boots, not to mention whips and spurs and other bondage gear. Did you know Socrates was a cowboy? Yeah, I bet you would if you put down that veggie burger and picked up a book once in awhile. Yeah, that's right, I said it. What you need is a good agricultural arts education.


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Organic Free Range Geese
Traditional favourite for the Christmas table
Weight range 4-6kg approx, £14.00 per kg, oven ready
Local pick up or nationwide delivery, contact Ben or Alice to order.
Our geese are reared in a small flock on clover rich pastures supplemented by home-grown wheat to produce a flavoursome bird with succulent and moist meat. The goose fat makes the perfect roast potatoes.
The geese are bred, hatched and reared on the farm.. The goslings need to be kept warm and dry for the first few weeks but as soon as they get their true feathers they are ready to go outside. Geese are grazers so they thrive on our free range system that ensures they always have access to pasture and water which, as waterfowl, they need plenty of to keep them in fine fettle.
Cooking your goose
We deliver your goose oven ready with the giblets and spare fat enclosed in the breast cavity. Keep refridgerated before cooking or freeze if you intend to keep it for longer.
How many will a goose feed? As a guide a smaller goose 4 to 5 kg will be sufficient for 4 to 6 people, a larger goose should be enough for 6 to 8 people, possibly more.
To prepare for cooking first remove giblets and bag of fat. Prick the skin under the wing, sides of the breast and by the parsons nose to allow the fat to drain while cooking. Season with salt and pepper. Either place on a rack in roasting tin or prepare a second tin to collect fat when draining. Cook in a pre heated oven at 200°C for approx 15minutes/kg. Drain the fat from the roasting tin at regular intervals. When cooked allow to stand for 20 minutes before serving.
The goose is a fatty bird but don't throw it away. Goose fat can be used to cook delicious roast potatoes and any surplus can be stored in the fridge for a couple of months or freezer for longer to give you lovely roast potatoes through the year.
Organic Christmas Geese: the perfect bird for a traditional Christmas dinner. Limited number available so order now to avoid disappointment.
Organic Goslings: Produced from our breeding flock of geese. Goslings will be available from April through to July, order early for the 2019 season. Contact us for more details. Click here for details
© 2013 Ben Moseley, celtic sun design by Picchio at www.tattootribes.com used with permission


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Business Analyst R&D - 12 months - Southampton
Montash have been engaged by a Global FMCG organisation, who require a Business Analyst R&D for a 12-month contract based in Southampton.
We are seeking IT Business Analyst expertise (with experience of Computer Systems Validation in a regulated a Pharmaceutical / Medical Device / Life Science environment) to lead this business process alignment and system extension activities, and to support the business demand for new systems.
About the role:
- Design and implementation of business processes based on good practice (GxP) - with special focus on Data Lifecycle Management
- Development of supporting Standard Operating Procedures
- Provide Business Analyst support to Next Generation Products R&D
- To understand Next Generation Products R&D business requirements & processes and to identify business technology and/or process opportunities
- Ensures systems are maintained and enhanced but within the boundaries of the agreed Regional IT Account Plan and IT Strategy
- Assists the business with updating of existing / developing new supporting procedures
Essential Skills
- Experience of working in a highly regulated Pharmaceutical / Medical Device / Life Science industry
- Strong understanding of Regulatory industry GxP
- Experience applying the principles of risk-based Computer Systems Validation (GAMP5).
- Project Management experience
- Good understanding of ITIL
If you are available for a new contract position, please get in touch with me on 0207 014 0239 or email me on email@example.com


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Shaw, Mark R (2006) Habitat considerations for parasitis wasps (Hymenoptera). Journal of Insect Conservation (10). pp. 117-127. ISSN 1366-638XFull text not available from this repository.
Parasitic wasps operate at a high trophic level and, because of their biology, tend to be highly specialised, sometimes having very narrow host ranges with at least local monophagy a frequent outcome. These features, in addition to our poor state of autecological knowledge, render them particularly vulnerable in conservation terms and suggest that their habitat needs should be analysed differently from those of most other insects. The basic life history of parasitic wasps and some of the ways in which they interact with host populations and in communities are outlined. Then, against a background of very limited autecological data, and therefore somewhat speculatively, habitat parameters that seem likely to be of importance to parasitoids are discussed, largely by reference to the host relations and ecology of ichneumonoid parasitoids of Lepidoptera in N. W. Europe. Some considerations of environmental change are included.
|Item Type:
|Q Science > QL Zoology
|Understanding the natural world
|Natural Sciences
|Depositing User:
|Users 9 not found.
|Date Deposited:
|09 May 2011 10:13
|Last Modified:
|09 May 2011 10:13
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text:
Individual solutions. Sophisticated processing.
Careful control.
More than fifteen years, we produce, sell and service a special woodworking tools and tooling systems for wood, plastic and metal.
In addition to standard tools we develop and manufacture special tools, in particular, according to the specific customer needs. Except for those products we provide to these customers a complex of related services such as sharpening, repair, modification and overhaul.
We are convinced that the way to precision products need to fulfill several conditions: selection of the highest quality materials; inter alia, it is necessary to use cutting-edge manufacturing, control and testing equipment and to take full advantage of knowledge, experiences and the potential of our employees.
The Caters of own factory, a professional approach and ideas from paper into the production are exactly what our customers appreciate at the most. But we know that there is something more important: the development of a special tool is a process that requires close cooperation and great confidence.
Thank you for this confidence.
We provide sharpening, repair, overhaul and re-coating of our own tools or from the other manufacturers.
A complete overhaul is a set of technological operations on extremely precise machinery and, as a result, we guarantee that all of these refurbished instruments will have the right performance corresponding to the new tool. It is possible to solve the regular collection and subsequent distribution of the tools to the service.
Service offer
• Grinding of profile knives into the universal and safety heads
• Grinding of profile knives with a clamping system POWERLOCK
• Tool setting and adjustment of tool sets
• Balancing of tools and rotating machine parts
• Cooperation on CNC machines
• 3D measurement on 3D coordinate measuring machine
• Turning and milling of titanium alloys
Vydona Maintenance
• Sharpening of woodworking and metalworking tools (plug milling cutters, saw blades, end mills, monolithic HW and HS end milling tools staffed by polycrystalline inserts)
• Sharpening of the planer knives
• Sharpening and lapping of HW profiled inserts
• Coating
Address of the establishment and contacts:
VYDONA s. r. o. / VYDONA Inc.
Pravčice 244
768 24 Hulín
Czech Republic
(+420) 573 301 361
Economic Department:
(+420) 573 301 360
Production Department:
(+420) 573 301 362
Business Department:
(+420) 573 301 364
Technical Department:
(+420) 573 301 366
E-mail: email@example.com
Billing informations:
VYDONA s.r.o. / VYDONA Inc.
Novosady 1501
769 01 Holešov
Czech Republic
The Bank: KB Kroměříž, Account Number 8314010267
The company is registered at the Regional Commercial Court in Brno, Section C, File 28634


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A Carlisle woman was taken to Emerson Hospital after her car lost control in Concord.
Concord police said the driver suffered non-life-threatening injuries after her Subaru Forester hit a stone wall 8:40 a.m. March 12 on College Road.
The driver turned around to avoid a tree in the road and accidentally hit the accelerator instead of the brake, sending the car into a stone wall, police said.
Follow Henry Schwan on Twitter @henrycojo.


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Our mission is to foster an appreciation for the personal dignity of women, to encourage women to know and love God, and to inspire them to use their feminine gifts for the transformation of family and society.
The CWC is an event for healing, for spiritual direction, for receiving tools for everyday living and resources for education.
CWC is presented by Pilgrim Center of Hope's Ministry of Conferences.
All women are welcome. You don't have to be perfect to begin anew in Christ!
We especially thank the following for their support toward the costs of CWC.


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April is Prevention of Cruelty to Animals Month, and to honor it, we are collecting donations to support the Lehigh County Humane Society (LCHS) this April.
Our friends at LCHS work tirelessly to end cruelty and provide a haven for homeless and abandoned animals. They shelter these animals, find loving homes for them, and educate the community on responsible pet ownership and promote spay/neuter initiatives. Pleasant Valley Animal Hospital proudly works with LCHS year-round to provide discounted veterinary care for these animals.
To donate, please drop off any of the following items at our hospital during our regular business hours through April 30, 2016:
- Kitty Litter (non-clumping)
- Purina Pet Food (preferably food with no red dye)
- Pet Crates
- Towels and blankets
- Pet beds, especially Kuranda dog beds
- Cleaning supplies
- Office supplies
- Scratching posts/products
- Laundry detergent
You can also make a monetary donation on their website here.
If you have any questions, please feel free to call us at (610) 346-7854. We thank you in advance for your generosity!


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What is Lint Camp?Each person who goes through Lehman Caves unintentionally leaves behind a little bit of lint and debris - particles float off our clothes, a hair or two might fall off our head, dirt from our shoes gets left behind, sometimes things fall out of our pockets. With over 30,000 visitors to Lehman Caves each year, this tiny bit per person ends up having a sizeable impact to the cave. Over time, a layer of lint and dust often covers many of the cave formations and walls. The lint can have many adverse effects on the cave, including dissolving formations, providing unnatural odors and an artificial food source for cave life, and marring the aesthetics of the cave (Horrocks and Ohms 2006).
To help protect the cave, Lehman Caves holds lint and restoration camps in the winter, when the cave is driest and there are fewer tours. Volunteers come for two or three days to help clean the cave and remove debris.
Volunteers will work in various parts of the cave and will be assigned a variety of tasks, from dusting to digging to removing algae near lights. Lint Camp volunteers have also helped remove tons of debris left over from previous trail-building efforts. These restoration efforts are especially popular as volunteers uncover sections of the original cave floor.
Why Come to Lint Camp?Why come to the cave to get down and dirty? Many are happy to know they are making a difference. Some enjoy the quiet of the cave, the lack of cell phone service, and the company of other volunteers. You could get to know the cave better, climbing into spaces only seen from the cave tour. You could also help park staff monitor White-nose syndrome in bats during winter cave visits, gain more caving experience, or even help make the next archeological discovery! In 2015, the park had an archeologist attend Lint Camp to help volunteers identify objects found next to the trail. Nails, coins, and a pool hall token were found, as well as additional historic signatures.
One of the biggest perks of joining Lint Camp is being allowed to see some of the off-trail areas, including the largest room of the cave: the renowned Talus Room. The Talus Room is roughly the size of a football field and closed during the 1980s due to rock fall. Volunteering with Lint Camp is one of the very few opportunities visitors have to visit this amazing place.
ResultsIn 2015, teams worked in different parts of the cave, some picking lint off formations, others removing hairballs and trash from staircases and along the edges of trail. Teams uncovered rimstone dams and flowstone that have been buried by old debris for decades and removed over 3,000 pounds of debris and sand originally brought in for old trails.
Volunteers of all ages participated and were able to meet the centennial goal to connect with and create the next generation of park visitors, supporters, and advocates. Superintendent Steve Mietz, who participated in the lint camp, said, "Lint camp is making life-long stewards of the cave and park. I was especially impressed with the dedication and persistence of the kids and parents who spent hours carefully cleaning the formations, asking questions, and at the end of the camp, inquiring when they could return to 'their spot' to finish their work."
Many thanks to all who have participated in past lint and restoration camps! We were all awarded a National Speleological Society (NSS) Conservation Award in the summer of 2016 for the great work that has been done during these camps.


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Job Description
Our national client is urgently seeking an ArcSight Technical Consultant.
As an ArcSight Technical Consultant you will:
- Provide technical direction to solve complex issues and ensure on-time delivery of solutions that meet customer expectations
- Provide technical consulting and advice to customer on-site efforts
- Assist in design enterprise-scale projects for the clients/ArcSight's solutions and products
- Develop reusable innovative solutions that demonstrate a deep technical knowledge of the products, processes, and the customer environment
- Deliver world-class consulting to some of the largest companies in the world
The successful candidate must, have experience in:
- ArcSight ESM
- ArcSight Express
- ArcSight Logger
- ArcSight ArcMC
- FlexConnectors
- Use Case Development
- 8+ years working with ArcSight products, Enterprise Architecture and Global Customers to expert or Architect level
- Performance tuning and heavy customization of ArcSight deployment
- Wide background knowledge in information security and compliance, a wide range of other technologies
Apply now for immediate consideration or for a full job description of this role, contact Dan Carn on 02 6245 1724
Due to security clearance requirements for this role, candidates must be Australian Citizens who currently hold an Australian Government security clearance
Please note: only candidates that meet the above criteria will be contacted. Thank you for your interest in the position.


text:
Artist's description:
Street Parties, fun and bunting. It's 2012, and the country is celebrating the Diamond Jubilee of HM Queen Elizabeth II.
Materials used:
Featured by our Editors:
Bunting (Red) (2015)
Acrylic painting by Sean Rutter
- Acrylic painting on Canvas
- One of a kind artwork
- Size: 7.87 x 7.87 x 0.55 in (unframed) / 7.87 x 7.87 in (actual image size)
- Ready to hang
- Signed on the front
- Style: Expressive and gestural
- Subject: Abstract and non-figurative
This artwork is sold by Sean Rutter from United Kingdom


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Beautiful & Exotic Orchids
Saturday, September 29, 2018 – Sunday, September 30, 2018
Saturday: 12-5pm
Sunday: 10am-4pm
Orchids are a widely varied group of plants sporting exotic shapes, flashy colors, and tempting perfume-like scents. In this exhibit, members of the CNY Orchid Society present selections from their collections of rare and unusual orchids.
Event Location
Beaver Lake Nature Center
8477 East Mud Lake Road
Baldwinsville, NY 13027
Admission Info
Free with nature center admission
Event Contact
Send Email »


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Alexa, are you listening?
She is.
She's listening so closely, in fact, that you can't talk about her.
I was over at a good buddy's house, and he has an Amazon Echo. I had the gall to ask: "How do you like Alex—"
"Shhh!" he interrupted me, darting his finger to his mouth.
"You can't say her name. The other day, she mistakenly ordered me some chocolate because we were talking about her."
"We just call her 'the robot,'" his wife added. "I'm uncomfortable with robots getting more advanced than her. In fact, I don't like assigning her a gender. It."
There's a lot to unpackage here. First and foremost, at least in my friend's house, Alexa is a presence. She's a family member—the family member that nobody wants to talk about.
Let me phrase this another way. Alexa has impacted the language that my friends use at home. They can't talk about her. She's a new toy, and they can't talk about her in the house. This is a linguistic user experience problem.
The problem stems from the trigger word: Alexa.
It's a problem on two levels. First, it prevents people from being able to talk about Alexa. Second, it's extremely unnatural from a linguistic perspective.
The Alexa Elephant in the Room Problem
Users want to talk about their toys. Amazon wants users to talk about their toy. Amazon has given her a name, an identity. But this same identity is actually serving as a pain point to users. Very few people like tiptoeing a subject in their own home, let alone a presence. Nobody wants to avoid a subject/person in their home, ESPECIALLY if it's something they're excited to talk about.
In essence, then, Amazon is presently shooting themselves in the foot.
Is this problem presently hurting Amazon sales? Sure doesn't sound like it. But as customers become more aware of the power of Alexa (as well as other speech interfaces), the more sophisticated their expectations will become. The less, in other words, they will tolerate having to avoid talking about something in their own home.
This segues nicely into the second problem.
The Name Problem
On the surface, using the name "Alexa" as a trigger word makes sense. After all, when I want someone's attention, I use their name.
Consequently, designers on the Amazon UX team are doubling down on this idea, encouraging all developers that integrate Alexa into their apps to use "Alexa" as a trigger word and create a consistent user experience across platforms. As quoted from a recent Wired article:
"That's why Amazon is developing guidelines for third party developers. It already requires everyone to use the wake word 'Alexa.' It also encourages simple, explicit language in their commands."
Developing a seamless user experience is, of course, a great idea. However, it comes at the cost of our natural linguistic experience. Beyond a few specific purposes, we simply don't use people's names very often. Think about it. How often do you really use the names of people around you?
Here's a daily scenario. You're sitting on the couch, watching a movie.
"Chuck, can you hand me the remote? Chuck, I can't find anything to watch. Chuck, what do you suggest we watch? Chuck, can you grab me something while you're in the kitchen? Chuck, is there any ice cream left?"
In reality, the above conversation plays out more like this:
"Remote? Nothing on. Me, too? Ice cream?"
We use context, expectations, routine, and even intonation when engaging with people. Names? Not so much.
So, the problem is that speech interfaces like Alexa are actually encouraging us to change our fundamental conversational habits. This trend comes in a long line of platforms that are trying to change the way we use language—just think about the ridiculous queries that you type into google.
This battle, I predict, will not be won by machines.
Why? We are language experts. We love talking. Some people think that language is what separates humans from other animals. So, why we will certainly make certain concessions to make a new app work, we will unlikely change the way we speak to accommodate it—at least not for long.
In other words, after becoming professionals at not using people's names when we talk to them, we will not likely decide that we like using names to talk to machines. It's unnatural. It's clunky. It's a bad user experience.
Moreover, this fact directly contradicts the goals of Amazon's user experience team. From the same Wired article:
"'Our core goal is to make Alexa's interactions with a customer seamless and easy,' says Brian Kralyevich, vice president of Amazon's user experience design for digital products. 'A customer shouldn't have to learn a new language or style of speaking in order to interact with her. They should be able to speak naturally, as they would to a human, and she should be able to answer.'"
If this is the case, and Amazon does not want people to have to adopt a new style of speaking, they've got to drop the name-calling as a trigger word.
A Possible Solution
A suggestion: Drop the trigger word 'Alexa.' From a marketing perspective, it's brilliant. Everyone knows who—sorry—what Alexa is. However, from a functional language perspective, using a name as a trigger word is a terrible idea, creating both the Alexa Elephant in the Room problem and the Name Problem.
So, what should Amazon do instead?
People should choose their own trigger words. This solution is not dissimilar from creating an avatar when you start a video game, and it makes intuitive sense.
First, if people are already treating Alexa like a person in the home, it gives them some affection for that person. They choose how to activate it.
Second, this strategy would tap into people's limitless linguistic creativity. For example, people could make trigger words like safe words. Pumpernickle. Wobblegones. This would at least solve the first problem.
Others might opt for discourse markers, like 'dude' or 'yo.' These might not solve both problems, but they'd be more natural.
Most importantly, I think this approach would essentially crowdsource the problem, and people would naturally arrive at a solution that worked best for them, and maybe even works best for other people. After all, that's how language works. It's creative. It's adaptive. It's fun.
It seems pretty clear that we are about to be surrounded by speech interfaces. Let's start this conversation about how to integrate them into our basic linguistic habits, not how to adapt our habits to them.


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WESTMINSTER CATHEDRAL AND ITS ARCHITECT.* THE fact that so large
and so admirable a book on a modern architect has appeared in this country is a matter for congratu- lation to the author, the publishers, and the architecturid pro- fession. Undoubtedly it was needed. Westminster Cathedral has taken its place as one of our national monuments, and the genius of its creator deserves greater recognition among the general public. For how many people with considerable know- ledge of lesser masters of other arts have ever heard the name of John Francis Bentley—or, for that matter, the name of the archi- tect of any other prominent building in London ? The pro- fession suffers from its anonymity, and its members to most people are merely instruments. In this book, however, we learn the importance of an architect to a great building like the Cathedral, and from the biographical part of it we discover how the toil and strain after artistic achievement can be as relent- less and passionate as those endured by a musician or painter. We are glad that the art of architecture can for its own sake, • Westminster Cathedral and Us Architect. By Winefride de l'Hopital. London: Hutchinson. Ltd dz. net.)
and even to-day, exact such a toll. For Bentley worked himself to death on his masterpiece and only lived to see it roughly completed.
The book is divided into two halves, the first volume dealing with the Cathedral entirely, and the second being a mixed biography of the architect and descriptions of his minor works. One can justifiably criticize this arrangement, for it leads to a certain amount of repetition—e.g.. Bentley's pleasure and remarks at receiving the R.I.B.A. gold medal appear in both volumes, and at the end of each one has to suffer the regnet at his comparatively early death. It would have been better perhaps if the architect had been made the principal subject, and the Cathedral, allotted to the second volume, brought in as the culmination of his work. The interest attaching to his development from rather sentimental Gothic to classical Byzan- tine work would have been more apparent. The first volume, which opens with the laying of the foundation-stone, contains everything of interest from the religious, architectural, and financial points of view. The chapter on the constructional problems the building offered is of great technical value, and is well illustrated by working drawings and photographs. That on the choice of the architect has also a special interest from the unusual way the difficulty was solved. For Bentley was unani- mously selected by his brother Roman Catholic architects for the work. It is amusing to think what would happen if, for instance, the Government asked the whole profession to act similarly in an important public work. Would the result be so wholly un- worldly? The three chapters describing the building in detail are very fully done, but in places remind one a little of a guide- book—such phrases as "Retracing his steps to the south transept and thence across the nave, the visitor will next proceed to the chapel of. . . "(p. 176). But this lapse in style is only a blemish on an otherwise excellent monograph, Which is wisely completed by a description with plans and photographs of the auxiliary buildings in Ambroaeden Avenue. These are interesting because the designing of a modern Archbishop's palace is a unique opportunity for an architect. Bentley, we think, seized It delightfully.
The second volume comprises within a space equal to the first notes both on the life and character of the architect and on his works other than the Cathedral. These were principally Roman Catholic churches and conventual buildings. Among them the church at Watford is by far the finest. They are all in the best style of the Gothic revival, bolder than Pugin's work and more imaginative than Gilbert Scott's, but—to put it delicately—we shall probably appreciate them more in a hundred years than we do at the moment. For without the Cathedral Bentley's achievement would have been merely Ordinarily good. It was the courage with which he divorced himself from his previous
4 style to the adoption of another hitherto untried, and the brilliance with which he suddenly brought that adoption to the complete fulfilment of modem requirements, which immortalize him. This book shows na that ; so it fulfils its purpose.


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PressureJet introduces Hot water high pressure power washers. These Hot water high pressure power washers
are capable to generate hot water up to 140º C. Normally diesel fired mini boiler is the hot water generator and pressure coils heat the high pressure water up to maximum 140º C temperature. There are electric heaters to make the water hot up to 90º C.For more information please visit at "pressurejet" website.
Hot water high pressure power washers are very useful for food, pharma, dairy and many other industries.
Electric hot water pressure washer cleaning systems are very useful to remove oil, grease or any sticky material easily. Dual effects of pressure and hot water make the job very simpler.
hot water pressure washer
Are you surrounded with dirt and tough stains that you cannot get rid of? Do you need a good pressure washer system that cleans evenly and effectively? Fortunately, we know how to deal with that nuisance. Welcome to PressureJet, where we stock power pressure washers for cleaning contractors, commercial and industrial applications.
Make your area safer and cleaner by protecting the equipment, surfaces, your customers and employees. Our durable rugged and dependable hot pressure power washers are designed for long life and ease of serviceability. We supply a complete line of electric, diesel, gasoline, natural gas and liquid propane industrial hot water pressure washers for construction, agriculture, farms, maintenance areas, factory plants and heavy duty jobs that require hot water and high pressure. Our machines range from 70 bar to 350 bar for pressure and 7 lpm to 30 lpm for water volume (flow rate). Chose from portable, cart mounted, skid, and master frame designs. Electric powered models are available in 120V, 208V, 230V and 460 volts.
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who should use hot water pressure washer?
Companies, those have a need for removing unsightly grease and grime. Some of the major users include restaurants, construction companies, health clubs, pork producers, dairy factories, commercial kitchens & bakeries, pressure washing contractors and all other commercial and industrial companies that require fast and easy cleaning solution.
· Electric motor with diesel/kerosene burner
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technical features
· Pump equipped with the ceramic covered pistons with brass head
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· Double coil with phosphate coating, tested at 600 bar
· Suction of additives at low pressure
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Member Since: 19 September 2009
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GoXtreme Barracuda 4K Snap Verdict
The GoXtreme Barracuda 4K may be an entry level action camera, but for just over £100/$100 you're getting some pretty hefty features.
High resolution, decent framerates, large touch screen and fully integrated app.
The specifications and features are all there, but there is a cost. Build quilty is decidedly average, and nothing is protecting the lens which means that it's a no-go for extreme sports enthusiasts.
However, with excellent image quality and plenty of resolution and framerate option, it still has appeal.
If you're in the market for a well-priced family or vlogging action camera, then the GoXtreme Barracuda 4K is well worth a look.
- Decent image quality
- Touchscreen
- Waterproof without housing
- No lens protection
- Suffers in lower light
- Average build quality
The action camera market has taken a sudden change of direction. Rather than manufacturers racing for increased framerates and resolutions, they're now looking towards ease of use.
The GoXtreme Barracuda 4K is a perfect example, it's a decent size and features a large touchscreen.
Designwise the camera looks basic, there's none of the flare that we've seen with many other cameras recently. The overall build and design can at best be described as average.
But then this is an entry-level action camera, and where it lacks in design and fineness of finish, it more than makes up for in features and video quality.
Feature-wise it hits 4K resolution, has 1080p at 60fps and slow-motion options, for ease of use it has that touchscreen and there's no faffing around with a waterproof case.
The GoXtreme Barracuda 4K is from the outset a mixed bag – lacking in design finesse but overflowing with features and specifications.
At the price you can start to see the reasons for some of the decisions from GoXtreme – it's a camera with potential but with some odd design decisions.
When you compare the feature list with other action cameras of the moment it has to be said it's pretty mid-range.
4K at 25fps, 1080p at 60fps and 720p at 120fps, it also offers 10m waterproofing without a case, WiFi, 170 FOV lens f/2.5 with a 3mm focal length, slow motion, time-lapse, 20 million pixel stills (Interpolated) or 16 million pixels native.
These are all pretty standard specs, size wise the camera measures 65 x 46 x 28.5mm and weighs in at 99g without the cage. In all directions that's quite a bit more than the GoPro Hero.
Interestingly GoXtreme has published the chipset used by the camera which is the Sunplus 6350 but not the image sensor.
The physical design of the camera is simple. The front holds the lens, power button and logo, top, the shutter and OK button, back, the 2-inch LCD.
On the side is a lockable door under which is the 1050mAh lithium battery, HDMI and USB 2.0 ports.
On the base is a 1/4-inch thread to attach a tripod of selfie stick.
Although the camera doesn't require a waterproof case, there is a sperate cage that can be put on the camera so that it can be attached to a standard GoPro Mount.
Unlike the GoPro cage, the Barracuda 4K cage does not affect the camera's waterproofing.
Finally and as with all entry level cameras, it comes with a good selection of mounts in the box including; Shield, Bike Mount, Orientation arms, Tripod Adapter, Mount Buckles and Helmet Mounts.


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"This is the best practice in the world!!! I am one of Aidan's patients and Aidan is the BEST vet in the whole world! And the nurses are just so lovely (the nurse I had today was so nice!) and helpful!!! Also Rebecca, Sarah & Zoe always go out of their way to help us and they try to squeeze me in no matter what!!! I would recommend you to anybun!!!"
- Eamonn McGroggan
"Hello from Archie – a very happy customer of yours!"
- Robyn Drummond
"I would like to thank you so much for all your advice and help over some difficult weeks when I really thought I'd 'lost' the Lyra we used to know and love. I can't say how important it was to have that guidance, reassurance and support from you. Again, very many thanks."
- Kate
"Since moving house six months ago, my eldest dog Noah had started sitting down and not wanting to move when out for a walk. I filled in a behaviour questionnaire and then had a consultation with Carla. She went through the questionnaire in detail and gave me a personalised action plan. It became apparent that Noah seemed to be scared of traffic noise. Carla advised me to take Noah out in the car to a quiet area away from traffic and to walk him there. This worked really well and Noah started to gain confidence and walk a bit further every day. We also started working on walking him nearer to cars. He is still not 100% confident with traffic yet, but with Carla's guidance we are seeing a steady improvement. He no longer sits down and loves exploring the golf course and local parks. Carla has been so supportive and has given us great advice. The best news of all is that Noah is happy and enjoying his walks again."
- Rachel
"After adopting 7 month old PLUTO I soon realised he came with his own unique bad habits, traits and behavioural issues, and could easily get very excitable. Although I'd say PLUTO was predominantly a very well behaved dog, I decided to seek professional help via the 'Behaviour consultation' with Carla at Ashleigh Vets in Chorlton and I'm so pleased I did.
After completing an initial questionnaire Pluto and I attended a consultation with Carla at the practice. She has been wonderful in helping me with Pluto. Carla quickly answered my sometimes lengthy and difficult questions, including support via email over the last 2-3 months. I cannot reccommend this service enough given the support I have received and the long-term change for the better I've seen in my dog. Thank you. Nigel and Pluto. Stretford."
- Nigel


text: Georgina's is the perfect Bridal Shower venue. We have multiple locations in our facility that can accommodate intimate showers as well as large. At Georgina's we make it simple to plan and host a special occasion by offering multiple menus, delicious food, excellent service, beautiful areas for photo ops, a centralized Eastern CT location and ample parking. We are top rated for weddings and wedding gatherings alike, and can help you decorate your shower in the theme that fits the wedding. When you choose to host your Bridal Shower at Georgina's your guests are sure to be impressed and you will satisfied with your joyful memories from the day. To avoid regrets please call Georgina's Banquets for a private tour and reservation information. Thank you for reading our blog we look forward to being your Bridal Shower Venue of choice.


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Cruz, Ronald Allan L. "Here Be Dragons: Using Dragons as Models for Phylogenetic Analysis." The American Biology Teacher 79, no. 7 (2017): 544–51. doi:10.1525/abt.2017.79.7.544.
The students are building character matrices (with Mesquite 3.04) and cladograms based on the characterics of the D&D 3.5 dragons. Then, they generate a phylogenetic tree based on their analysis (with PHYLIP 3.6). The character choices/states are based on breath weapon, number of limbs, wing shape, alar phalanges,... but not on color, alignment and religion.
Fictional dragons in teaching activities present some weakness :
- difficulty to determine which characters are important ;
- some characters are vague ;
- fun ;
- lack of established/accepted "best" estimate: practice problem solving and critical thinking ;
- no pre-existing phylogenetic: no cheating.
Ronal Allan L. Cruz, the ressourceful professor who designed the activity, comments « this activity reinforces the usefulness of fictional organisms in understanding the biology of real ones. »


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Anjela Guarrielo is our September Murphy Fit-Star! I have been working with Anjela for a year and she is truly Super Fit...in her 40s! I don't like to focus on age, but what I want to prove is that age is not a factor when you decide you want to be in the best shape of your life...which is something Anjela has achieved! She is a role model to her three children, and to all that know her...finding time to workout and get healthy with a demanding schedule. Thanks Anjela for showing how fabulous FIT can be... at any age!
To read Anjela's own words, click here.


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One Mysteryabout 'strip was the identity of the person who accompanied him. notes " He is never mentioned in detail again in either 's notebooks or diary. This was unusualas usually described his companions, even if not always complimentary (for example"). Although the Nicholas', in their book Charles Darwin in Australia , where ableto confirm did pay the correct amount forthree horses and two adults to cross the river by ferry. They too can not figure out his identity.
An aspectsof 'sfield notes, is his mentioning granite often, but I found the granite countryis generally open woodland with little outcrop. I assume he may have beenlooking at the granite as a source of potential building stone. When in Charles stayed inthe barracks of the New South Wales Corp, but why?
When I wasdown by the , clearly granite country again, Ithought to myself this could be good alluvial gold country. Later that night Iwas reading a couple of pages on the making to the original , prepared by the BathurstHistorical Society and it mentioned that one of Cox's men had discoveredgold nearby in atributary of the in1820s. They had apparently informed the government (still heavily influenced bythe New South Wales Corp.) but it had not been made public. Then it struck methat , asa geologist, may well have been looking for a likely source of the gold. Thismight explain his seeking out granitic occurrences. Maybe his mysterytravelling companion was a government agent. Further if you change Eu to Au, in a rock he collected and described as white ritic ore, you get Auritic ore which is a good term for a goldbearing mineralized rock, perhaps a Quartz vein.
Gold was discovery officially by William Hargrauves, near , not so far away,in 1850 and the rest is history.


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Tap Beers
New Glarus Spotted Cow - A Cream Ale (New Glarus, WI) Our lightest on tap (4.8% ABV)
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Harp Lager - A European Pale Lager (Dublin, Ireland) Clean, crisp and balanced (5% ABV)
Bass Ale - English Pale Ale (Burton-on -Trent Staffordshire, England) Caramel and malt with a nice balanced flavor (5% ABV)
Bell's Two Hearted - An American IPA (Kalamazoo, MI) Floral aroma with enormous hops and taste (7% ABV)
Central Waters Illumination - Imperial double IPA (Amherst, WI) Citrus hops (9% ABV)
Smithwick's Irish Amber - Irish Red Ale (Dublin, Ireland) Mild and drinkable amber for those who want dark without bitter (4.5% ABV)
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Central Waters Bourbon Barrel Stout - Hints of Bourbon and vanilla with roasted overtones (Amherst. WI) (9.5%ABV)
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Growlers & Beer Samplers Available
American Ales
Central Waters (Amherst WI)
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T-Dubs Imported Ales
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Stella Artois (Leuven, Belgium) European Pale Lager with grassy honey aroma, very crisp (5%ABV)
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- JotForm SupportKevin_GAnswered on June 03, 2016 at 01:03 PM
I have checked the form embedded on your Facebook page and I can see it is currently displaying like this:
I'm not sure how would you like the button to display, I have downloaded the .png image and I can see it is displaying the same.
Also, the button's shadow seems to be white, this is why it is being displayed like that, you would need to change it to display the color that you want:
Please provide us a bit more about how you would like the button to look, we will be glad to help you.
- DannyTAnswered on June 04, 2016 at 06:25 AM
I want that it look like this. What must i do to get such a send button?
- DannyTAnswered on June 04, 2016 at 06:43 AM
i have change the png (without) shadow, but it's still present. please check: https://www.facebook.com/gildenkoelsch/app/699587613458213/
- JotForm SupportMike_GAnswered on June 04, 2016 at 08:43 AM
When I checked your form through your Facebook page I see that you were able to remove the white background of the image.
You may be able to somehow get the same style of the button in the image you posted if you add the following CSS codes to your form.
button#input_2 img {
border-radius: 12px !important;
border-left: 1px solid black;
border-bottom: 1px solid black;
border-style: none none inset inset;
However, since the image width and height is a little longer than the button in it, it still has a small portion in between.
If you can make the width and height of the image the same as the width and height of the button in it, then, it would look much more similar to what you're trying to achieve. Then end of the blue portion is the height and width of the image.
Right now, if the CSS code above is added to your form, your form will look like this in your Facebook page.
I hope this helps. Let us know if you need any further assistance. Thank you.


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Monday, December 8, 2008
Jolly Old St. Nicholas Freebie
I hope everyone had a wonderful weekend!
The Santa Social this past weekend was so much fun. Kaden was so in to Santa and Logan, still as always, wanted nothing to do with him. (Sigh) Tom, one of the dads, snapped a photo of the boys running from Santa and Mrs. Claus which would be so cute on a Christmas card. Hopefully, I can get that from him. If not, I did get a couple of photos I think might work for Christmas cards. If not, I think I will just use the train photos from the end of last month.
I have been such a bad blogger this past week. I received an award last week from Annie of Annie's Design and I am just now getting around to thanking her for it. I really don't have any excuse except for life has gotten in the way of designing this week, and I am so sorry I did not mention this earlier. I truly appreciate her giving me this award.
Annie is also a team member at Creative Scraps and has some wonderful tutorials on her blog. Be sure to stop by and check out some of her kits and tuts. You can also find her kits at the Creative Scrap Store.
This morning I have the first in a series of small kits that were to be a part of a bigger collab that was cancelled earlier this month. I was so sad to hear of this collab being cancelled because I loved the basis of the collab, Christmas Carols. Ever since I signed up for this collab, which was before Thanksgiving, I have been signing Christmas carols to the boys. I just love Christmas carols, especially the old original versions.
Instead of just tossing the parts of the collab that I designed, I decided I would offer them as freebies to you in hopes that someone can use them for their holiday memories. I will also have small kits from the carols Twas the Night before Christmas and Away in the Manger later this month for you.
I hope you enjoy them and have a wonderful week!
Happy Scapping!
Sorry these links have expired.
13 comments:
- Chel said...
bright and beautiful. thanks.
- December 8, 2008 at 4:12 AM
- Jeff said...
Thanks for the kit. The colors are bright and cheerful just like Christmas. I love the print on the papers. I am looking foward to unwrapping all the files to see what is inside and playing with them.
- December 8, 2008 at 4:27 AM
- makeyesup said...
Thanks, beautiful kit, love the colors and the elements.
- December 8, 2008 at 9:17 AM
- Ellie said...
Beautiful kit, thanks so much! Hugs, Ellie W
- December 8, 2008 at 4:18 PM
Very nice kit! I love the colors!
- December 8, 2008 at 7:27 PM
- Carole N. said...
What a delightful kit and the colors are so pretty. I love all your elements as well as your papers.
Thank you so much.
Merry Christmas.
- December 8, 2008 at 8:28 PM
- TerriM said...
What a lovely and bright kit. The colors are great, different yet still Christmasy. Thanks for sharing. Hugs -- xoxo! (terri - hawaii)
- December 9, 2008 at 5:39 AM
Thank you ! Such sweet Kit !
Merry Christmas !
- December 9, 2008 at 8:38 AM
- Michele said...
These are so great!! Thank you for sharing them!
- December 10, 2008 at 12:50 AM
- Sherrie said...
Thanks so much for sharing your talent.
- December 12, 2008 at 2:32 PM
That's my kinda colours! Thank you!
- December 12, 2008 at 5:06 PM
- Kathy said...
I'm glad you didn't toss this and happy you decided to share with us. Thanks so much. I love the skates and the little girl.
- December 12, 2008 at 8:37 PM
- Pattycakes said...
Love the St. Nick kit...Thank you! :)
- December 13, 2008 at 6:44 AM


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A few more homework reminders are starting to trickle in. Strategic Leadership (STRAMGT 207) seems to have the longest to do list. The following need to be completed by the 19th of August:
A. 360-Degree Feedback Assessment
B. Myers-Briggs Type Indicator (MBTI)
C. Thomas-Kilmann Conflict Mode Instrument (TKI)
I've also been checking out the resources available through gsbapps (Stanford's remote access service, run through Citrix).
This gives full access to a number of research services, Dow Jones (Factiva), Capital IQ, Thomson One, etc and a lot of electronic books available through the Jackson library.
What I liked most was being able to look through the case library, all of the cases created at the GSB and read them in PDF format remotely.
Yesterday, I found out that I was assigned to a Studio in Munger. My application number (a number between 0 and 3000 and tells you your priority in the lottery) is > than 2500. This is probably the reason I didn't get assigned to my any of my top 3 choices. I wasn't too happy with a Munger Studio since its pretty much the most expensive housing option at the GSB (something like $1,450 a month). I guess I should have thought about that before listing "Any Munger" as one of my housing choices.
I plan to join the waitlist again for a better alternative. Fingers crossed.
Picture: The T-Shirt from the admit weekend.


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On-Boarding - from what happens to the first day the new carwash employee shows up at the wash site, to the proper and legal documentation required. David Begin and Henry Lopez continue their podcast series on the topic of hiring great employees for your carwash business. Having a thorough and systematic process results in better employees, reduced employee turnover, and the ability to deliver remarkable customer service for your carwash customers.
David Begin and Henry Lopez are the hosts of this episode of The How of Carwashing show – dedicated to help you operate and grow your carwashing business. (TheHowOfCarwashing.com)


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After a few shopping sprees I've recently done in both London and Milan, it's now time to rein it in, so today I'll show you a product that helped me save some money, although delivering very good quality. Before trying the Nutriganics Softening Cleansing Gel Oil from The Body Shop, I thought that a chic face cleanser could be available only at a quite expensive price.
To be honest, I still think so, especially if you care about organic-sourced ingredients and high quality natural oils.
But what if you're simply looking for a product to wash your face in the morning? So basically you haven't got heavy make up to remove, or waterproof mascara on the lashes. Well in this case, the Nutriganics Softening Cleansing Gel Oil is awesome!
I use a tiny amount of this everyday as part of my AM skincare routine. I apply it on the dry face, wet my hands to emulsify and then, with a wet hot cloth I remove it. I end up with a splash of cold water and I pass to the other steps.
It's cheaper than other products.
It's not animal tested.
It has a very very soft scent of citrus
No negative reactions on my super delicate and intolerant skin.
It's not a make up remover, so you'll need a different product in the evening. I know the producer declares you can use it to clear up the skin from make up, but believe me, you'll find lots of residues and it will not work properly to remove mascara.
Coming to the product more in detail, the packaging offers 100 ml of product. Here are the ingredients, as reported on the producer's website
Caprylic/Capric Triglyceride (Emollient), Simmondsia Chinensis Seed Oil (Hair & Skin Conditioning Agent), Aqua (Solvent/Diluent), Glycerin (Humectant), Sucrose Laurate (Skin-Conditioning Agent), Sucrose Palmitate (Skin-Conditioning Agent), Orbignya Oleifera Seed Oil (Emollient), Benzyl Alcohol (Preservative), Salicylic Acid (Preservative/Hair Conditioner), Limonene (Fragrance Ingredient), Aloe Barbadensis Leaf Juice (Skin Conditioning Agent), Citral (Fragrance Ingredient), Linalool (Fragrance Ingredient), Pelargonium Graveolens Flower Oil (Fragrance Ingredient), Citronellol (Fragrance Ingredient), Arginine (Skin Conditioning Agent), Buddleja Davidii Extract (Skin-Conditioning Agent), Thymus Vulgaris Extract (Natural Additive), Malva Sylvestris Flower Extract (Natural Additive), Foeniculum Vulgare Oil (Fragrance/Essential Oil), Citrus Nobilis Peel Oil (Fragrance Ingredient), Vanilla Planifolia Fruit Extract (Natural Additive), Litsea Cubeba Fruit Oil (Fragrant Essential Oil), Citrus Aurantium Dulcis Peel Oil (Fragrance Component), Sodium Benzoate (Preservative), Thymus Vulgaris Oil (Fragrance/Essential Oil), Potassium Sorbate (Preservative), Rosa Damascena Flower Oil (Fragrance Ingredient)


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Research Projects Attract Funding Boosts
24 Apr 2018
The value of a local research organisation such as the Clifford Craig Foundation has been highlighted in recent months with the research undertakings of two LGH researchers being awarded external funding boosts to broaden their research activity.
LGH Emergency Department nurse Maria Unwin undertook a study into Emergency Department patient access as part of a Clifford Craig Batchelor of Nursing Honours Scholarship in 2015. She has since expanded her research to a collaborative study with three regional hospitals in Queensland where the aim is to develop a draft regional strategy for reducing non- urgent presentations in emergency. The research team has been awarded a $70,000 funding grant from the Emergency Medicine Foundation to undertake the project.
Meanwhile, infectious diseases specialist, Prof Katie Flanagan has been awarded an NHMRC Project Grant of $795,000 to further support her Clifford Craig funded Vaccine Trial research. Clifford Craig CEO, Peter Milne said the NHMRC grant was an endorsement of the groundbreaking research being undertaken by Prof Flanagan at the Launceston General Hospital. "Katie is a highly regarded researcher and the outcomes of this study into the effect of vaccines on the immune systems of elderly Tasmanians will be beneficial for future health implications on a global scale," he said.
"The seed-funding provided by the Foundation for each of these projects has strongly enabled the opportunity to attain the additional funding grants from external sources. It is a wonderful achievement for Maria and Katie, and a great example of the valuable role of our local Foundation."


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Vibrant retail is a central strategic element in the development of the Århusgade Quarter.
In order to ensure a coherent strategy and an expansion adapted to the development of the area, CPH City & Port Development has chosen to handle the job partly in-house. CPH City & Port Development is therefore repurchasing a number of retail spaces located on the ground floors along the main street and the central squares. In this way, we can ensure that development takes place at a high level and to the benefit of the area's development.
It is expected that the development will be carried out in collaboration between CPH City & Port Development and a private developer. Investment opportunities are expected to be offered in mid-2014.


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Wholesale seizure and control of private property? With 2020 in her sights, Sen. Elizabeth Warren woos the hard Left.
Senator Elizabeth Warren of Massachusetts has one-upped socialists Bernie Sanders and Alexandria Ocasio-Cortez: She proposes to nationalize every major business in the United States of America. If successful, it would constitute the largest seizure of private property in human history!
Elizabeth Warren - Bernie Sanders birds of a feather...
Warren's proposal is dishonestly called the "Accountable Capitalism Act." Accountable to whom? That's a reasonable question. The answer is — as it always is — accountable to politicians, who desire to put the assets and productivity of private businesses under political discipline for their own selfish ends. It is remarkable that people who are most keenly attuned to the self-interest of CEOs and shareholders and the ways in which that self-interest influences their decisions apparently believe that members of the House, senators, presidents, regulators, Cabinet secretaries, and agency chiefs somehow are liberated from self-interest when they take office through some kind of miracle of transcendence.
Under Senator Warren's proposal, no business with more than $1 billion in revenue would be permitted to legally operate without permission from the federal government.
Full report here.


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Print Edition - 2015-01-30 | Nation
Govt plans teacher training for English medium classes
-, Kathmandu
Jan 29, 2015-
In an effort to promote English medium teaching in public schools, the government is set to start intensive training for teachers from primary schools across the country.
The National Centre for Education Development (NCED), with support from British Council, decided to provide the training after significant number of students started to quit public schools to join private ones mainly because of English medium classes.
The first phase of the training, under the National Initiative to Improve Teaching in English, will start from Jhapa, Nawalparasi and Surkhet as a pilot project and it will be gradually expanded to other districts.
According to NCED chief Khag Raj Baral, around 450 teachers from the three districts will be trained in the first phase while around 7,000 teachers across the country will be trained by the end of upcoming academic session.
"A majority of good performing public schools teach in English medium. Therefore, through this initiative we hope to retain students in public schools," he said.
Baral said schools across the country need support in strengthening English medium classes and that many schools themselves have started campaign to promote such classes.
A rough estimation of the NCED shows that around 40 percent of schools in the Capital and around 10 percent in the rest of the country have started offering English medium classes. Currently, there are around 90,000 primary level teachers in around 29,000 public schools across the country.
Published: 30-01-2015 09:12
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