text:
P2P Payments: Why Banks Need to Dive In Now
Banks and financial services providers increasingly are jockeying for position in the peer-to-peer payments space, and for good reason. Most experts agree that the continuing acceleration of mobile adoption will mean a surge in growth for the P2P market.
In February financial services giant Fiserv (Brookfield, Wis.) combined P2P payments programs Zashpay and Popmoney into one service (still called Popmoney); combined, the two programs have partnered with more than 1,400 financial institutions to offer P2P payments to customers. And since then, three of the country's top banks have joined forces to offer their own P2P service -- Wells Fargo, Bank of America and JPMorgan Chase customers will soon be able to make P2P payments through the first bank-owned P2P payments service, clearXchange.
P2P payments are widely seen as a natural feature for mobile banking apps, which will allow users to make P2P payments in real time anywhere they go. The service is a value-added convenience for customers, and most banks already have the security and risk management mechanisms in place to make the payments secure. With this in mind, experts say, banks would be crazy not to start offering their own peer-to-peer payments services as soon as possible to grab a slice of the P2P pie.
"The proliferation of smartphones will mean strong prospects for P2P," predicts Jim Bailey, managing director of payment services in North America for Accenture, who is based in Atlanta. "Right now P2P is a relatively small part of the payments pie. But we expect that in the next three to five years it will increase, and there is a lot of new competition out there."
Strike While the Iron Is Hot
There are various strategies that banks can pursue to offer P2P services, according to Bailey, but expected growth in the P2P market and the increasing number of competitors in the space mean that banks no longer can sit on the sidelines. "No one [strategy] is right or wrong," Bailey remarks. "The only bad strategy is to let it go by."
Bailey says he expects P2P will go viral in the next few years among younger, mobile-friendly consumers, and he notes that, "It's wise [for banks] to position your brand as being viewed as an early adopter of P2P" to attract those customers. Banks with well-developed technology platforms and highly integrated mobile and online services might want to develop their own P2P services, while other financial institutions can look to partner with third-party providers, Bailey adds.
[Western Union Bolsters P2P Payments Operations.]
Tukwila, Washington-based Boeing Employees Credit Union (BECU, $10.6 billion in assets) adopted P2P early on. The credit union started using Popmoney back in March 2010 and is now finalizing the integration of the P2P service into its mobile services, reports Howie Wu, the institution's VP of virtual banking. "As mobile adoption increases, mobile P2P services will be expected by customers -- it will become standard," he says. "Mobile really is the optimal rail for it, rather than online."
Wu advises banks that are looking to introduce a P2P service to offer it first via their mobile apps before offering it online. And marketing, Wu asserts, is key to the success of the service; it's too early for banks to expect the service to grow organically on its own. When BECU rolled out Popmoney, Wu says, it introduced the services with various email campaigns to customers explaining how the services worked, and it also included notifications in customer statements. Now the credit union handles $20 million in P2P transactions and enrolls 3,000 new customers in the service each month, according to Wu.
A Big Opportunity
Perhaps surprisingly, like many other Popmoney clients, BECU is seeing customers use the P2P service for large transactions, in the hundreds of dollars, according to Neill Platt, SVP and general manager of payments for CashEdge, the division of Fiserv that manages Popmoney. "We're seeing people using P2P payments for more formal transactions, such as rent payments -- paying their landlords or paying their roommates," Platt says. "These [transactions] are normally done with checks. We think there will be less use of checks in the future and more P2P transfers." The average Popmoney transaction size is $389, according to CashEdge.
While it currently can take up to one day to process a P2P transfer, Platt expects that within a year P2P services will be able to offer real-time instant transfers. The ability to make those instant transactions from a mobile device, he predicts, will jump-start customer adoption of P2P. Platt adds that the risk management measures required around a P2P service are the same as those that banks already have established for online bill pay services, so it should be relatively easy for banks to integrate P2P into their security infrastructures.
According to Platt, Fiserv partnered with banks to offer Popmoney because banks are well-positioned to capture the growth in P2P transfers in the coming years. With their wide customer base and ability to handle large volumes of transactions, banks have a distinct advantage over non-bank competitors in P2P, such as PayPal (which partners with banks as well), Square and Isis (see related article, page 6), he says.
Some of the biggest U.S. banks seem to share that notion, as Wells Fargo ($1.33 trillion in assets); Charlotte, N.C.-based Bank of America ($2.18 trillion in assets); and New York-based JPMorgan Chase ($2.32 trillion in assets) jointly introduced earlier this year the first bank-owned P2P service, clearXchange, in an attempt to nab some of the P2P market for themselves.
"We shouldn't tell our customers to go to a software vendor [to make P2P payments] -- we want to meet that financial need," says Mike Kennedy, head of enterprise payment systems and innovation at San Francisco-based Wells Fargo and chairman of clearXchange's board. Customers of any one of the three banks can use the service to send and receive P2P payments with each other using the recipient's email address or phone number. Kennedy says clearXchange also is negotiating with other banks to join the service, but he declines to comment specifically on any of those negotiations.
Kennedy notes that there is a great deal of financial interaction among the customers of the three banks involved in clearXchange, adding that combined, the banks already control 50 percent of the online banking market. That gives clearXchange a clear advantage over other, non-bank P2P services that could threaten to disintermediate banks in the payments space, he contends. "Banks already have great brands," Kennedy says. "In order to prevent disintermediation, you just need to provide a great customer experience."
Jonathan Camhi has been an associate editor with Bank Systems & Technology since 2012. He previously worked as a freelance journalist in New York City covering politics, health and immigration, and has a master's degree from the City University of New York's Graduate School ... View Full Bio


text:
This puzzle is based on the Comics strips by René
Ríos, Chilean cartoonist, creator of the famous
character Condorito. Based on such wonderful
graphic source I was able to create teaching
materials to help advanced students in the
practice of the Spanish.
I have used this comics in my booklets "Practicing
Spanish based on Comics - Condorito 2" published
in Amazon. A lots of useful structures of the
language are included in this material, and I hope
it will help those people really interested in
improving their Spanish language skills in the
every-day communication.
Use the "Printable HTML" button to get a clean page,
in either HTML or PDF,
that you can use your browser's print button to print.
This page won't have buttons or ads, just your puzzle.
The PDF format allows the web site to know how large a
printer page is, and the fonts are scaled to fill the page.
The PDF takes awhile to generate. Don't panic!

subset: commoncrawl


text:
Join the Nation's Conversation
To find out more about Facebook commenting please read the Conversation Guidelines and FAQs
Katherine Webb, Ndamukong Suh to star in ABC reality series 'Celebrity Diving'
College football's most famous real-life girlfriend will hop on the springboard and compete in a new reality series called Celebrity Diving.
OOPS: Welker's wife sorry for rant about Ray Lewis
According to TMZ, Katherine Webb, who rose to fame when she was featured during ESPN's telecast of Alabama's national championship victory, will be part of a cast that includes NFL star Ndamukong Suh, basketball Hall of Famer Kareem Abdul-Jabbar, former Cosby Show actor Keshia Knight-Pulliam and Baywatch babe Nicole Eggert.
The show premieres March 19 and will feature all of your favorite diving stars, like Greg Louganis and, uh, Greg Louganis. He'll be one of the judges, along with 2012 gold medalist David Boudia.
Webb's inclusion was "kinda shocking," said TMZ:
As we previously reported, Webb's BF was upset that she was getting more attention than his team -- so Katherine issued a self-imposed media ban on herself. She also told TMZ she wanted to move to Alabama so she could focus on her relationship with A.J..
But when the show came a callin', Katherine decided she spent enough time in celebrity exile.The show is called Celebrity Diving, both because Diving With The Stars would be too derivative and because calling the cast members "stars" would be stretching it, even by reality TV standards.
Keep in mind, the BCS national championship game was two weeks ago. Three-quarters of the stuff in your fridge is older than your knowledge of Katherine Webb's existence. I mean, she was interviewed by Matt Lauer on Today 12 days ago! K-Webb must have the patience of Job to have managed that long without a camera in her face. What a trooper!
For the superficial male, this news presents a fascinating moral dilemma: Is seeing Katherine Webb in a bathing suit worth sitting through a televised diving reality show? And does Ndamukong Suh -- who is following the time-honored American tradition of shedding a bad-boy reputation one inward tuck at a time -- make you more or less likely to watch?
We'd ask Brent Musburger, but he's probably too busy figuring out how to program his DVR.
PHOTOS: Katherin Webb


text:
We're really sorry but we've sold out of this product and are unable to obtain more stock. In most cases this is usually because the manufacturer has discontinued the product. We don't want you to miss out though so here's some of our best selling products which are similar to what you are looking for. Take a look and you could just find the perfect item. Just a small point to note - they might not have the exact features as the product you initially wanted so please be sure to check the features before you buy.
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text:
Testing details:
2008 135i Steptronic (original trans, for now)
JB4 single turbo firmware & supporting flash
FFTEC 5862 top mount single turbo
BigTom intercooler, BMS OCC, BMS stat, etc
Walbro 255 inline fuel pump mod
Factory exhaust system (did not bother to open cutout)
~E30 mix for for 17psi runs. For 20psi+ runs enabled meth kit for fueling using a single CM10 nozzle.
1) Was not going after any power records so left the tuning very conservative all around. At the same boost levels there is easily another 15hp in this setup with more advance. And no reason this turbo can't be cranked up to 28psi when the trans is ready.
2) It made a lot more power than I was expecting. It's basically on pace with the 6466 at these lower boost levels only with much better spool.
3) If the trans would shift this car would be seriously quick. I'll get to work on that ASAP.
Video of one of the 23psi runs:


text:
All Topics
New York
PPO Kingston NY
A preferred provider organization (PPO) is a specific type of health insurance dictated by a flexible network of medical providers for a participant. Employees and individuals looking into PPO as a form of managed care need to understand this form of insurance from the perspectives of doctors, insurers and consumers. Healthcare in the United States is becoming more and more costly and health insurance is very necessary for every United States citizen.
Local Companies
Widening the Medical Network with a PPO
Use of Specialists in a PPO
Benefits of PPO to Providers and Insurance Companies
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Ulster Savings
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(845) 338-8062
242 Broadway
Port Ewen, NY
Dr. Peter Kaplan
(845) 255-1440
62 Rocky Hill Road
New Paltz, NY
John Slicker, LMT dba Core Energetics Therapy
(845) 255-4780
4 Moonstone Road
New Paltz, NY
Elaine Ramos, LCSW
(845) 255-8014
42 North Chestnut Street
New Paltz, NY
Bermac Home Aides, Inc.
(845) 255-4200
2 Grove Street
New Paltz, NY
Accent Financial Group
(845) 255-1341
243 Main Street, Suite 130
New Paltz, NY
Ulster Savings Bank - Ulster Insurance Services, Inc.
(845) 255-5470
226 Main Street
New Paltz, NY
Janne Dooley, LCSW
(347) 834-5081
PO Box 621
New Paltz, NY
Widening the Medical Network with a PPO
The essence of the trend toward PPOs instead of health management organizations (HMO) is a concern over the flexibility of health care. Workers who switched jobs, moved across country and dealt with alternating economic statuses were unable to maintain steady coverage from the same insurer. PPO insurers have countered the inflexibility of a traditional HMO by negotiating discounted billing rates with hospitals, clinics and health care providers in all 50 states. The result of these negotiations has been a wide network of providers available to a PPO holder who is traveling or moving frequently for work.
PPO networks can take a variety of shapes depending on the unique health care environment of a particular region. Insured professionals in the Northeast and Southwest can use the flexible resources of a PPO insurer to take advantage of neighborhood clinics instead of massive emergency rooms for preventive care. Individuals in rural areas can access health care through a small doctor's office that is part of a preferred provider organization.
The majority of services provided through a PPO come from the largest health care providers in the United States. Massive health care organizations work with insurers to develop extensive fee schedules to ensure that individuals within a prescribed network are receiving the right benefits. An insurer with a nationwide reach provides access through a PPO to thousands of hospitals for busy professionals on the move.
Use of Specialists in a PPO
An insurance applicant using a traditional HMO needs to declare a primary care physician before they receive care. Insurance companies offering an older style of health care want to know the primary care physician as a way to create an accurate premium. One of the major benefits for PPO participants is the lack of a primary care physician requirement on application materials. The flexibility of PPOs means that a professional can see any physician within the established network of providers without consulting a primary physician.
The reason why a primary care physician is an obstacle in other forms of health care is the necessity for referrals in order to get covered services. Insured professionals in this scenario need to get notification from their doctor that specialized services from therapists, podiatrists and others are necessary for current medical issues. A PPO participant can bypass this cumbersome process by finding a hospital or clinic with a specialist covered by the insurance policy. Health insurance companies pre-negotiate the specialists who are available to consumers based on pre-existing conditions and the complicated calculus of discounts created at the beginning of the PPO arrangement.
Benefits of PPO to Providers and Insurance Companies
Consumers need to know why a PPO is beneficial to their insurance companies and health care providers to make an informed decision. The doctors and hospitals that form a preferred provider organization get the benefit of increased use of their services. An insurance holder participating in a PPO feels comfortable heading into the doctor's office for preventative care as well as emergency care. The discounts available on prescriptions, checkups and surgeries may decrease a hospital's revenue with one patient but increases revenue through optional services for a thousand patients.
The benefits of the PPO are not exclusive to the health care provider. Insurance companies created the PPO concept several decades ago to cut down on the costs to patients while maintaining a significant percentage of health care revenue. Insurance companies meet with the board of directors and clinic directors to run through discounts offered on services ranging from a simple checkup to a multi-stage surgery. While the clinics involved get a large chunk of the revenue to take care of overhead costs, insurance companies receive a percentage of each covered procedure to continue providing services to insurance holders. The benefit of increased traffic works for insurance companies as well as health care providers with the looming baby boomer generation creating a bonanza for preferred provider organizations.
Read more about PPO
Related Articles
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text:
97306, Salem in Oregon Salem Payday Loan Online Bad Credit
Card holders can make payments online as well as at physical stores by using their card, payday loan online bad credit in Oregon.
post or otherwise distribute on or through the Website or Platform any information that is confidential to a third party without their permission;
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text:
The Otto Richter Memorial Lecture is presented by the International Herb Association at its annual conference in honour of the late Otto Richter, founder of Richters Herbs. Otto Richter was a founding director of the International Herb Growers and Marketers Association, now known as the IHA.
Otto Richter was born in 1918 in Austria where he operated a nursery before emigrating to Canada in 1953. In 1969 he and his family began growing and selling herbs in Locust Hill, Ontario, and put out the first mail order herb plant and seed catalogue in 1970. The business quickly grew into the leading supplier of herb plants and seeds in Canada, and after a move to its present location in Goodwood, Ontario, continued to grow, adding many varieties new to the herb world. In addition to running Richters, he served over twenty years with the Metropolitan Toronto Parks Department until his retirement in 1984. He was active in community beautification projects and organized public displays at garden shows and at the 1980 International Floralies Exhibition in Montreal. Otto Richter served as president of Richters Herbs until his death in 1991.
The Richter family is very grateful to the International Herb Association for establishing the Otto Richter Memorial Fund in honour of our beloved father and husband. Such gestures of thoughtfulness and kindness prove once again that the herb industry is populated with wonderful and caring people.
1993 Arthur O. Tucker, "Is This Plant a Hoax?"
1995 Varro E. Tyler, "Herbs and Health Care in the Twenty-first Century"
1997 Mark Blumenthal, "Herbs: Out of the Cauldron and into the Clinic"
1998 James E. Simon, "Development of New Herbs, Natural Products and Predictions for the Future"


text:
The ED 80SF was initially listed as an entry level APO, but now with so many astronomers giving us such glowing reviews, it appears that we will need to reclassify this product! The ED80Sf refractor features high-grade glass and quality components. Coupled with a medium f/7.5 focal ratio, the ED "S" series provides a sharp, color-free image of high contrast. At only 22.4", this is our ultimate grab-n-go APO travel scope.
The ED80Sf comes complete with a 9x50 finder-scope - Finder bracket - 2" eyepiece adapter - 1 ¼ Flip mirror - Tube Rings - Dovetail plate - Aluminum Telescope Case.
Copyright ©2000-2017 Starizona
Adventures In Astronomy & Nature, All rights reserved
5757 N. Oracle Rd., Suite 103 · Tucson, Arizona 85704 · Call Us: (520) 292-5010
Map & Directions -
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text:
October 29, 2004
ORIGINATING OFFICE: Region 5
SUBJECT: Request for Comments - Renewal Without Change of Standard Forms 269, 269A, 272, 272A, 424A, 424B, 424C, and 424D; Office of Management and Budget
PROGRAM(S): All Programs
1. Purpose. To transmit a request for public comment on a proposed extension without change of eight Standard Forms (SF) 269, 269A, 272, 272A, 424A, 424B, 424C, and 424D by the Office of Management and Budget.
2. References. Federal Register, Vol. 69, No. 209, October 29, 2004, pp. 63186-63187; OMB Circulars A-102 (.pdf) and A-110; 2 CFR 215; Standard Forms 269 (.pdf), 269A (.pdf), 272 (.pdf), 272A (.pdf), 424A (.pdf), 424B (.pdf), 424C (.pdf), and 424D (.pdf).
3. Links. This Alert is in the Regional Resources website archive at: http://www.doleta.gov/regions/regionalresources
Link to the Federal Register attachment (.pdf)
4. Background. The following Office of Management and Budget forms are proposed for extension without change:
Form Name OMB Number
269 Financial Status Report (Long Form) 0348-0039
269A Financial Status Report (Short Form) 0348-0038
272 Federal Cash Transactions Report 0348-0003
272A Federal Cash Transactions Report (Continuation) 0348-0003
424A Budget Information (Non-Construction) 0348-0044
424B Assurances - Non-Construction Programs 0348-0040
424C Budget Information - Construction Programs 0348-0041
424D Assurances - Construction Programs 0348-0042
5. Action. Program administrators are requested to share this Information Alert with appropriate staff and other agencies, and are invited to comment on or before December 28, 2004 to:
Elizabeth Phillips
Office of Federal Financial Management
Office of Management and Budget
Attn: SF-269, 269A, 272, 272A, 424A, 424B, 424C, and 424D
Room 6025
New Executive Office Building
725 17th St. NW
Washington, D.C. 20503
tel. 202.395.3952
6. Contact. Comments or questions about the OMB Standard Forms may be directed to Elizabeth Phillips on 202.395.3952. Comments or questions about the format of this Alert may be directed to Tom Coyne on 312.596.5435.
7. Expiration Date. December 28, 2004
8. Attachment. Federal Register, Vol. 69, No. 209, October 29, 2004, pp. 63186-63187


text:
Certified retailer
This shop fulfils the
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text:
View ALL Upper Salford Homes for Sale in Upper Salford Township, Montgomery County, PA! This includes foreclosures, short sales, and new construction homes. I can show you any home you find here or elsewhere. When you find what you want to see, just click "Schedule Showing" and I will schedule it. You may also call, text or email me to set it up!
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text:
We were surprised to begin with that BMW catered to the U.S. market in such a fashion but it was nice that we finally got something everyone else did not. The M3 will continue to have a manual option however as according to Biermann, "The M3 needs to have a stick shift. It will always have a stick shift."
We have a feeling it will only be a matter of time before the manual is gone in the M3 as well. It all comes down to economies of scale and the trend we saw in the M5 will no doubt carry over to the M3 at some point. Expect to see this reasoning applied in the future to more models, "We just can't justify it anymore. It's a no-cost option, but it's been very difficult to do. Theoretically the stick is cheaper, but it's very low volumes and we have to strengthen everything in the gearbox and find space for the shifter and another pedal, so it doesn't work out cheaper."
Funny how a dual clutch transmission that costs thousands more than the manual simply becomes the cheaper option due to volume. Whether people want to admit it or not, the manual transmission is slowly dying.


text:
List & Earn Rs.250* extra. Available in Bangalore, Mumbai, Chennai, Hyderabad.
Clarks Traffic City Hard Plastic Printed Back Cover/Case For Asus Zenfone Max
Cash on Delivery eligible.
Currently unavailable.
We don't know when or if this item will be back in stock.
We don't know when or if this item will be back in stock.
- Grip Protection: The Clarks Grip case is sturdy and stylish, with a matte finish for excellent handgrip. It keeps a smartphone safe from dirt and dents, while adding minimal bulk.
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Product description
The Clarks Mobile phone cover is a style statement in your pocket. It fits the phone snugly and has appropriate cut outs for the buttons and the speakers. The case is made out of hard plastic, and the print finish is high quality, waterproof and splash proof, making the product durable and trendy at the same time.
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BitNami JRubyStack provides a fast, easy way to develop and deploy Ruby on Rails applications on a Java runtime using JRuby. It includes JRuby, Rails, Java, Tomcat, the GlassFish gem, MySQL, and Subversion. It supports Windows, Linux, and Mac OS X, so you can share the same Rails environment on multiple platforms.
YesPaste! is a pastebin application written with Ruby On Rails. It allows you to add a comment to the paste, and allows user comments. Comments can be formatted with BBCode syntax (with [code][/code] possibilities). CodeRay is used for code highlighting. It also permit paste editing.
Estimer is a Redmine plugin that allows you to estimate your software projects. It can calculate two types of software estimations: function point estimations (IFPUG) and use case estimations. Function point estimations are software estimations based on function points. A function point is a unit of measurement to express the amount of business functionality that the information system provides to users. Use case estimations are software estimations based on use cases and actors.
Karma is a Web service provider for tracking "karma" points of users who are distributed across several separate Web applications. It is useful for when sites want to allow community contributions to content, but certain higher types of content should only be able to be submitted by people who have demonstrated the ability to contribute value at lower levels. The vision is to create a generic karma service where a central server instance provides its services to several related Web applications. Those applications are the clients of the karma server instance. They can quickly and securely submit and retrieve karma for their users.
A class that merges XML documents from strings or DOM objects.
A Canvas Library for GPU accelerated 3D/2D HTML animations.


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Rollerblade Marathons Pikeville KY
Langley, KY
Prestonsburg, KY
Owensboro, KY
Bowling Green, KY
Radcliff, KY
24-hr Operations, Cardio Equipment, Circuit Training, Elliptical Trainers, Free Weights, Parking, Personal Training, Spinning, Stair Climber, Stationary Bikes, Treadmill, Weight Machines
Martin, KY
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Louisville, KY
Tips for a Successful Marathon
By Alex Fedak
The pro men skate in lock-step in the 2009 Chicagoland Inline Marathon
Any race is exciting. I've been in scores of them and my pulse still pounds at the starting line.
But don't let the excitement get the best of you. A marathon is not a sprint. You'll be skating for at least an hour. So don't start so fast that you run out of gas before the finish line.
Skate smart. Stay relaxed. Save as much energy as possible. And learn to recognize — or better yet, create — key moments when maximum effort makes things happen.
Get ready.
Always arrive at the venue early. That way you won't have the added stress of last-minute rushing.
Warm up.
Have a consistent warm-up routine. Performing it will loosen up the body and relax the mind.
Pick your battles.
Keep in mind that a marathon (even a half marathon) is a long race. Position is important. But fighting for second place in the third mile or constantly changing position is a waste of energy.
Instead, ease into a good spot and hang tight. Save your energy for when it counts.
Read the race.
Scope out the race. Figure out who's who. That way you'll know where to position yourself and how to recognize which breakaways and surges are a threat.
Pay attention to what's going on at the front of the paceline. If you see increased arm swing and leg movement, speed up. Don't wait until a gap forms in front of you. If you do, you'll waste valuable energy catching up.
Also, be aware of what is happening behind you, especially when it involves top skaters in your division. Recognize and react quickly to attacks from behind. An attack by one skater may not be a threat (depending on the skater). But a multiple-skater attack increases the chances of a successful breakaway and could leave you in the dust.
Use the peloton to your advantage.
Remember that a group is faster than a solo skater, if all other factors are ...
Click here to read the rest of this article from Inline Planet


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- Experienced House Painting Contractors in Richmond, IL
- Exterior House Painting Richmond, IL Will Love
- Free Estimates on All Richmond House Painting Services
House Painting in Richmond, IL
In Richmond, house painting services are one of the most sought after home improvement professionals on the market with good reason. Professional, expertly performed exterior house painting in Richmond, IL is one of the most highly visible improvements which your home can receive while providing this incredible new look through one of the most efficient and affordable methods available! That said, finding a dependable, trustworthy team of house painting contractors in Richmond, IL is an absolute must for homeowners that are looking to see their property in a gorgeous new light. That's where the experienced, highly trained team of Help You Services house painters in Richmond, IL come in!
Avg Costs for House Painting
Min Cost
Max Cost
Avg Cost
$2,867.67 - $3,917.70
Find the Best Quality House Painting Services - Richmond, IL
Our expert staff of exterior house painting Richmond, IL contractors have dedicated years to the field of residential and commercial painting and today pride themselves on delivering the highest quality Richmond house painting results at one of the best values that can be found anywhere. Each and every one of the Richmond house painting contractors you connect with through Help You Services is rigorously trained in safe, efficient, and always top quality house painting which Richmond, IL homeowners are sure to love for years to come. If you're ready to love the look and feel of your home again then don't delay, call (888) 441-9939 to speak with our friendly and knowledgeable team of house painting contractors in Richmond, IL today! You'll be provided with a completely free at-home consultation and estimate with your neighborhood Richmond house painting authorities without any obligation to hire! Call (888) 441-9939 to reserve your free estimate today!
Richmond House Painting FAQ
How much will a complete house painting in Richmond, IL cost?
Interior and exterior house painting in Richmond, IL are some of the most highly customized forms of home improvement a homeowner can have performed. Everything from the size of the house to the dimensions which are being addressed, the paints which are decided upon, and the pre-existing condition of the property can impact the final cost of the project as a whole. As a result it's very difficult to provide an accurate estimate for house painting in Richmond, IL without first having the specific conditions of the project assessed by a trained professional. That's why all projects performed by Help You Services house painting contractors in Richmond, IL begin with a completely free at-home assessment. Call (888) 441-9939 today to schedule yours!
Will exterior house painting in Richmond, IL take a long time?
Unfortunately, this is another "it depends" question. The size of the project being performed as well as the condition the home is in and the environmental conditions which our team is confronted with while completing the work will ultimately determine how long it takes to finish your house painting in Richmond, IL. That said, we strive to provide the most efficient and convenient house painting Richmond, IL has to offer and will discuss all timing issues with you as they arise to make your experience as positive as possible!
House Painting Companies
D&J Colours
7414 Coventry Dr S
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ABR Home And Commerical Services
37 Elm Ave
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503 Monterrey Ter
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Bill's Decorating
207 S Draper Rd
McHenry, IL 60050
Flash Painting & Construction Inc
9006 Carol Ln
Spring Grove, IL 60081
Abr Home Services
38 Elm Ave
Fox Lake, IL 60020


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Puzzle Levels
Download a FREE Solution for your puzzles!
Click Image to Enlarge
Write your own review! Request the FREE solution for this item!
Zankeisen G.V.
Product Information
|Remove the Handle
|Level 9 - Gruelling
|Jean Claude Constantin
|Jean Claude Constantin, European Wood Puzzles
Product Description
A finely crafted variation of the Chinese Rings puzzle. The Zankeisen G.V. is based on the Binary Grey Code. The objective is to remove the metal handle from the rest of the puzzle.
Made in turned wood and stainless steel wire by Jean-Claude Constantin. Jean-Claude Constantin lives in Germany, where he designs and manufactures many different wood and metal puzzles, as well as magic tricks and other intellectual toys and games.
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5.8 million matches played.
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Tom is Eurogamer's news editor. He writes lots of news, some of the puns and all the stealth Destiny articles.
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Gross! Houston Astros vendor fired after bringing snow cone tray into toilet stall
When history looks back on the Reid Ryan era as president of the Houston Astros, no doubt it will fondly recall the first public action Nolan Ryan's son took as head honcho:
Ryan had a snow cone vendor fired — he was an employee of Aramark — for bringing the product into a toilet stall at Minute Maid Park during an Astros game earlier this week.
The vendor was caught with his pants down around his ankles — literally — by a good Samaritan who also happened to be using the bathroom at the time. The whistleblower switched on his cell phone to record the shocking moment, and alerted another ballpark employee (who was walking into the men's room) to the vendor's behavior. The fan also demanded to see a supervisor, adding, in an unintentionally hilarious moment:
"That's realtalk."
The amateur investigative reporter — clearly the star of the 59 second clip, even though we only hear his voice — shared the video with NBC Channel 2 in Houston, who released it to the public and investigated further. In the clip, the door on the stall is closed, but looking under you clearly can see a person sitting on the toilet with a tray of snow cones (perhaps three of them had been unsold) on the ground next to him.
It might have been better to return the cones to the pantry first, or even throw them away, if the urge was so urgent. Place them on a sink? The baby changing table? Just not on the ground. But hey, when you gotta go, you gotta go.
And Ryan agreed, so he relieved the person of his snow cones forever:
"This being your first game. Your first day on the job. What was going through your head when you heard what happened?" Local 2's Bill Spencer asked Ryan.
"Well, right away, I just thought, 'We gotta let this guy go. There is no doubt about it.' That was my decision," Ryan told Spencer.
Ryan said that snow cone vendor was fired immediately.
When asked what the ball park could do to make sure something like this doesn't happen again, Ryan responded: "I don't think there is anything you can do to make sure human beings don't make mistakes. What you can do is make sure all employees are trained and that our policies are followed."
And that's how it goes from top to bottom. My question: When does the whistleblower get a network news gig?
Baseball is in full swing! Interact with @AnswerDave, @MikeOz, @Townie813and@bigleaguestew on Twitter, along with the BLS Facebook page!


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Watch These Babies Laughing at Sneezes — Daily Distraction
[onescreen item="5112155″]
Yeah, we guess sneezing can be kinda funny, but we never realized it was THIS amusing.
Maybe it's just a baby thing, and we'll never understand. Or maybe we all did, once, long ago, but have grown jaded with time. If only these babies could explain themselves. Then, while they're at it, maybe they could tell us what's so funny about ripping paper.
The Daily Distraction is your Internet break from reality. Whether you're eating lunch at your desk or avoiding high school exes on Facebook, you might just laugh, say "aaahhh" or not believe what you just watched.


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This compilation of outrageously raucous countrified punk, shows that Dash Rip Rock have serious chops yet are intent on not taking life too seriously. Their parodies and piss-takes of rock classics are in a league all their own, and their originals are just as ass-kicking.
This compilation of their great tunes includes an updating of one of their most beloved tunes "Let's Go Smoke Some Pot" and some tracks from their long out-of-print 7-inches! We put out this celebration of their history 2 years before their 2007 interpretation of Dante's Inferno, the AT full-length Hee Haw Hell. Bottoms up!
"The time has come for the rest of the country to climb aboard and revel in (Dash Rip Rock's) barrage of crunchy guitars, toe-tappin' beats, and amusing lyrics."
- Billboard Magazine
"Best Bet for Stardom"
–USA Today
"Undeniably the South's greatest rock band"
- Spin


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BimmerBoost contacted Dinan and asked first regarding their bolt on stage upgrades. Dinan will offer a tune, intake, and exhaust putting the power somewhere in the 650 horsepower range. A dyno was asked for to corroborate the horsepower claims but Steve Dinan said as the products are not available yet no dyno or pricing information will be released.
Dinan: We are doing software, intake and exhaust which will make around 660hp. Then we are rebuilding the engine and putting larger turbochargers on it and it should produce around 750hp. We are also doing a coil over kit integrating the electronic shocks, along with tubular adjustable sway bars.
BimmerBoost: Do you have any dyno numbers to corroborate the intake, tune, and exhaust horsepower claims? Any pricing info as well?
Dinan: All the power numbers are targets for development. There are no completed products (production versions) to measure, so we do not have any dyno graphs. There isnt pricing available as of yet, since we don't have the completed products.
What is very interesting is that with the upgraded turbochargers Dinan is planning upgraded internals. Due to the higher compression of the S63TU (10.0:1 for the S63TU versus 9.3:1 for the S63) and the higher boost pressure at 22 psi versus versus 17.4 psi in the standard S63 V8 Dinan believes stronger pistons and rods will definitely be necessary. Additionally, a drop in the compression ratio. They also hinted at a displacement increase but it is unclear if it will come from bore, or stroke, or both. The motor features a stock bore and stroke of 89x88.3mm.
BimmerBoost: Why rebuild the motor for only 750 horsepower which the stock internals can handle?
Dinan: Different connecting rods and pistons for sure. They arent strong enough to handle that power and the compression is too high for a lot of boost. Possibly a displacement change as well.
Expect 750 plus horsepower. There is no timetable for this and Dinan obviously has a lot of work ahead of them. Still, very exciting times ahead for the new twin turbo V8 motors. It will be interesting to see if any of this development carries over to the N63 V8 as well which would make it a tuning bargain especially if built motor N63's matched the S63's which are based on the same basic design.


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This new site feature allows users to choose from our hundreds of engaging learning games and exercises to create assignments for students. See below for details and simple instructions on how to use this exciting new feature.
How to Assign Games or Exercises
- You've selected a game or exercise to assign.
- From here, you have two options: Add the game or exercise to a new assignment, or add to an existing assignment.
- If you're creating a new assignment, give it a name. Adding a description or due date is optional. Click "Next".
- Select the child(ren) you want to send this assignment to, then click "Done". You will see a confirmation message once it has been successfully assigned.
How Children Can Access Their Assignments
- Your students can log in through your Pro membership log-in, or at learn.education.com by entering the Classroom Mode code.
- Once your child selects their profile, they will land on our main menu where they will see available assignments and due dates (if applicable).
- To complete the assignments, students click on the games or exercises listed on the assignment page, play, learn, and have fun!
- The main menu also allows students to see their progress in each individual game and exercise in the assignment.
Track Assignment ProgressAs your child completes each assignment, you'll be able to track their performance in the Assignments tab of our Progress Tracker. You'll also be able to make edits to assignments from here, like removing games or exercises, or changing the due date.
A Descriptive Writing Experience - Teaching Channel


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The NOAA GEO-IDE UAF ERDDAP
Easier access to all of NOAA's data
log in
Brought to you by NOAA NMFS SWFSC ERD
|Dataset Title:
|IPCC Datasets, ipcc ar4 CM2.1U-D4 1860-2000-AllForc H2 atmos, ipcc ar4 CM2.1U-
D4 1860-2000-AllForc H2 atmos monthly, ipcc ar4 20C3M-1 monthly 18610101-
20001231, tauv
|NOAA GFDL (Dataset ID: noaa_gfdl_16e3_a96f_0a5d)
|Summary | License | FGDC | ISO 19115 | Metadata | Background | Data Access Form
Click on the map to specify a new center point.
Attributes { time { String _CoordinateAxisType "Time"; Float64 actual_range -3.4383312e+9, 9.740304e+8; String axis "T"; String calendar "noleap"; String ioos_category "Time"; String long_name "Time"; String standard_name "time"; String time_origin "01-JAN-1970 00:00:00"; String units "seconds since 1970-01-01T00:00:00Z"; } latitude { String _CoordinateAxisType "Lat"; Float64 actual_range -89.494384765625, 89.494384765625; String axis "Y"; String ioos_category "Location"; String long_name "Latitude"; String standard_name "latitude"; String units "degrees_north"; } longitude { String _CoordinateAxisType "Lon"; Float64 actual_range 1.25, 358.75; String axis "X"; String ioos_category "Location"; String long_name "Longitude"; String standard_name "longitude"; String units "degrees_east"; } tauv { String cell_methods "time: mean"; Float64 colorBarMaximum 0.5; Float64 colorBarMinimum -0.5; String history "At 12:27:32 on 01/03/2005: CMOR altered the data in the following ways: multiplied by -1.00000E+00 to yield output units;"; String ioos_category "Wind"; String long_name "Meridional Surface Wind Stress"; String original_name "tau_y"; String standard_name "surface_downward_northward_stress"; String units "Pa"; } NC_GLOBAL { String cdm_data_type "Grid"; Float32 cmor_version 0.94; String comment "GFDL experiment name = CM2.1U-D4_1860-2000-AllForc_H2. PCMDI experiment name = 20C3M (run2). Initial conditions for this experiment were taken from 1 January of year 41 of the 1860 control model experiment named CM2.1U_Control-1860_D4. Several forcing agents varied during the 140 year duration of the CM2.1U-D4_1860-2000-AllForc_H2 experiment in a manner based upon observations and reconstructions for the late 19th and 20th centuries. The time varying forcing agents were atmospheric CO2, CH4, N2O, halons, tropospheric and stratospheric O3, anthropogenic tropospheric sulfates, black and organic carbon, volcanic aerosols, solar irradiance, and the distribution of land cover types. The direct effect of tropospheric aerosols is calculated by the model, but not the indirect effects."; String contact "firstname.lastname@example.com"; String Conventions "CF-1.6, COARDS, ACDD-1.3"; String creator_email "email@example.com"; String creator_name "NOAA GFDL"; String creator_type "institution"; String creator_url "https://www.gfdl.noaa.gov/"; Float64 Easternmost_Easting 358.75; String experiment_id "climate of the 20th Century experiment (20C3M)"; Float64 geospatial_lat_max 89.494384765625; Float64 geospatial_lat_min -89.494384765625; String geospatial_lat_units "degrees_north"; Float64 geospatial_lon_max 358.75; Float64 geospatial_lon_min 1.25; Float64 geospatial_lon_resolution 2.5; String geospatial_lon_units "degrees_east"; String gfdl_experiment_name "CM2.1U-D4_1860-2000-AllForc_H2"; String history "input/atmos.186101-200012.tau_y.nc At 12:27:32 on 01/03/2005, CMOR rewrote data to comply with CF standards and IPCC Fourth Assessment and US CCSP Projects requirements 2018-03-25T05:45:14Z http://data1.gfdl.noaa.gov:8380/thredds/dodsC/tauv_monthly_20C3M-1_R2_18610101-20001231 2018-03-25T05:45:14Z http://upwell.pfeg.noaa.gov/griddap/noaa_gfdl_16e3_a96f_0a5d.das"; String id "tauv_monthly_20C3M-1_R2_18610101-20001231"; String infoUrl "http://data1.gfdl.noaa.gov:8380/thredds/dodsC/tauv_monthly_20C3M-1_R2_18610101-20001231.html"; String institution "NOAA GFDL"; String keywords "1860-2000-allforc, 18610101-20001231, 20c3m, 20c3m-1, 20th, allforc, ar4, assessment, atmosphere, atmospheric, ccsp, century, change, climate, cm2.1, cm2.1u, cm2.1u-d4, data, datasets, diagnosis, downward, dynamics, earth, Earth Science > Atmosphere > Atmospheric Winds > Wind Stress, experiment, fluid, fourth, geophysical, gfdl, intercomparison, intergovernmental, ipcc, laboratory, latitude, longitude, meridional, model, month, monthly, noaa, northward, output, panel, pcmdi, program, report, run2, science, stress, surface, surface_downward_northward_stress, tauv, time, US, wind, winds"; String keywords_vocabulary "GCMD Science Keywords"; String license "The data may be used and redistributed for free but is not intended for legal use, since it may contain inaccuracies. Neither the data Contributor, ERD, NOAA, nor the United States Government, nor any of their employees or contractors, makes any warranty, express or implied, including warranties of merchantability and fitness for a particular purpose, or assumes any legal liability for the accuracy, completeness, or usefulness, of this information."; Float64 Northernmost_Northing 89.494384765625; String project_id "IPCC Fourth Assessment and US CCSP Projects"; Int32 realization 2; String references "The GFDL Data Portal (http://nomads.gfdl.noaa.gov/) provides access to NOAA/GFDL's publicly available model input and output data sets. From this web site one can view and download data sets and documentation, including those related to the GFDL CM2.1 model experiments run for the IPCC's 4th Assessment Report and the US CCSP."; String source "GFDL_CM2.1 (2004): atmosphere: AM2.1 (am2p13fv, M45L24); ocean: OM3.1 (mom4p1p7_om3p5, tripolar360x200L50); sea ice: SIS; land: LM2; infrastructure: FMS preK release"; String sourceUrl "http://data1.gfdl.noaa.gov:8380/thredds/dodsC/tauv_monthly_20C3M-1_R2_18610101-20001231"; Float64 Southernmost_Northing -89.494384765625; String standard_name_vocabulary "CF Standard Name Table v29"; String summary "Geophysical Fluid Dynamics Laboratory (GFDL) CM2.1, 20C3M (run2) climate of the 20th Century experiment (20C3M) output for Intergovernmental Panel on Climate Change (IPCC) Fourth Assessment Report (AR4) and US Climate Change Science Program (CCSP). GFDL experiment name = CM2.1U-D4_1860-2000-AllForc_H2. Program for Climate Model Diagnosis and Intercomparison (PCMDI) experiment name = 20C3M (run2). Initial conditions for this experiment were taken from 1 January of year 41 of the 1860 control model experiment named CM2.1U_Control-1860_D4. Several forcing agents varied during the 140 year duration of the CM2.1U-D4_1860-2000-AllForc_H2 experiment in a manner based upon observations and reconstructions for the late 19th and 20th centuries. The time varying forcing agents were atmospheric CO2, CH4, N2O, halons, tropospheric and stratospheric O3, anthropogenic tropospheric sulfates, black and organic carbon, volcanic aerosols, solar irradiance, and the distribution of land cover types. The direct effect of tropospheric aerosols is calculated by the model, but not the indirect effects."; String table_id "Table A1 (20 September 2004)"; String time_coverage_end "2000-11-12T12:00:00Z"; String time_coverage_start "1861-01-16T12:00:00Z"; String title "IPCC Datasets, ipcc ar4 CM2.1U-D4 1860-2000-AllForc H2 atmos, ipcc ar4 CM2.1U-D4 1860-2000-AllForc H2 atmos monthly, ipcc ar4 20C3M-1 monthly 18610101-20001231, tauv"; Float64 Westernmost_Easting 1.25; } }
The URL specifies what you want: the dataset, a description of the graph or the subset of the data, and the file type for the response.
griddap request URLs must be in the form
For example,
Thus, the query is often a data variable name (e.g., analysed_sst), followed by [(start):stride:(stop)] (or a shorter variation of that) for each of the variable's dimensions (for example, [time][latitude][longitude]).
For details, see the griddap Documentation.


text:
Browse Our Previsualization Courses
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Mark Twain was correct in his quote, "The Mississippi River will always have its own way: no engineering skill can persuade it to do otherwise..." The mighty Mississippi has attracted settlers for thousands of years and helped to make Northeast Missouri what it is today: a diversified area rich in cultural history. As you explore Northeast Missouri be sure to stop in cities such as St. Louis, St. Charles, Hannibal, Moberly, Kirksville and Hermann.
Contact Us | Blog | Privacy Statement | ADA Compliance | Help Us Help You | Facebook Disclaimer
Listings of businesses and events appearing on this site are supplied by the entities themselves. All information is subject to change without notice. Listings are posted for information only. The Missouri Division of Tourism (MDT) assumes no responsibility or liability for the accuracy or the content of individual listings or for the validity of any Web links included therein. A listing appearing on VisitMO does not imply endorsement or recommendation by MDT, the Missouri Department of Economic Development, the State of Missouri or any department/division thereof.


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Videopian is a PHP class that allows you to get any kind of information (such as title, description, author, duration, or flash player URL) about a video hosted on a video sharing service, just by its URL. The currently supported services are Blip, Dailymotion, Flickr (API key required), Google Video, Metacafe, MySpace, Veoh (API key required), Vimeo, and YouTube.
Movgrab is a command-line movie downloader for sites like YouTube. It has no dependencies; everything that's needed should be there in the tar.gz package. Movgrab can connect through an HTTP proxy, can output the download to stdout for piping into another program, and can fork into the background to free up the console. When forked into the background, its progress can still be seen in a ps list.
Media Embed is a PHP class that can embed video and images from remote sites. It takes the URL of a page in a remote site that may have images or video and sends HTTP requests to that site to retrieve details about that media like the title, description, size, and thumbnail images. The class can also generate HTML to embed the given remote site images or videos in the current site page. Currently, the class supports retrieving information and embedding media from sites like YouTube, Vimeo, Facebook, DailyMotion, MySpace, MetaCafe, Revver, FiveMin, Clickthrough, DotSub, Revision 3, VideoJug, Blip, Viddler, Screener, SlideShare, Qik, Flickr, FunnyOrDie, TwitPic, and YFrog.
Expense report software.
Removes ID3v2 tags from MP3 files.


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Digital Camera Reviews
Member List
Product Gallery
Interchangeable Lens Digital Camera Reviews
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Samsung GX-20
Post a Review
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100% of reviewers
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14.6 Megapixel CMOS sensor with integrated Shake Reduction
Double dust-removal system
ISO from 100 to 3,200, up to 6,400 expanded
11-point TTL phase-matching autofocus
3.0 fps, unlimited JPEG or 9 RAW frames
2.7 inch, 230,000 pixel LCD screen with Live View
SD / SDHC memory card
Weather and dust resistant body
(From company literature)
A 14.6 mega-pixel dSLR, the GX-20 extends the range of Samsung's acclaimed GX-Series and boasts an impressive feature set that will garner the attention of any professional or photographer or enthusiast.
The GX-20 improves on many of the advanced qualities of its sibling dSLR, the 10.2 mega-pixel GX-10; however a host of new features and firsts truly set this camera apart from any other GX-Series model previously introduced by Samsung. The GX-20 is highlighted by its proprietary, high-performance CMOS sensor. The Samsung CMOS sensor is equipped with 14 mega-pixel resolution, can capture 14-bit Raw images and maintains outstanding noise performance, even at a high ISO setting of 6400. The GX-20 also incorporates improved sensor-based shake-reduction as well as a double dust-removal system, which is designed to prevent miniscule specs of dust from ruining a perfect image.
"This is an exciting time for Samsung," said Stewart Henderson Vice President Marketing, Samsung Opto-Electronics America. "The dSLR market is one of the fastest growing segments of the imaging industry, one which Samsung has served quite well over the past few years with our previous GX-Series dSLRs. With the introduction of the higher-end, professional-grade GX-20, Samsung can now address the needs of the more advanced photographer with a dSLR bearing an impressive list of state-of-the-art photographic technologies."
Designed for the advanced amateur and professional photographer, the GX-20 is the fourth model in Samsung's rapidly growing dSLR range. The premier model of the GX family, Samsung's new GX-20 takes performance to a whole new level with an array of new and improved features, all which will allow users to capture images of uncompromising quality in any environment or setting. Photographers of all skill levels will appreciate the GX-20's large 2.7 inch Live View LCD screen, which allows users to check composition and focus directly on the LCD in real time.
The GX-20's improved sensor-based shake reduction system, dubbed Optical Image Stabilization, helps photographers overcome the detrimental effects of hand shake and helps minimize blur in situations where the camera is unstable or in low-light conditions. Because it resides in the camera body, as opposed to the lens, the OPS feature works with a wide range of lenses, including Samsung's Schneider D-XENON family and the full range of Pentax, KAF2, KAF and KA mount lenses.
Samsung's full range of optics include two zooms, the 18-55mm and 50-200mm Schneider D-XENONs, as well as five new Schneider D-XENON lenses (introduced in 2007). The new Schneider D-XENON lenses are available for use with the entire GX-Series of dSLRs and consist of a 10-17mm, f3.5-4.5 fish-eye zoom, a 12-24mm, f4 ultra-wide zoom, a 16-45mm, f4 wide zoom, a 35mm, f2 fixed focus and a 100mm, f2.8 macro lens.
Additionally, the GX-20 features a Pentaprism viewfinder that yields a 95 percent wide field of view and provides photographers with a bright and accurate view of their subject, allowing them to properly frame and fine-tune out-of-focus areas. Furthermore, with a maximum shutter speed of 1/4000 second, shooters can rest assured that they'll never miss the perfect shot, especially when it comes to fast-moving events.
The GX-20's revolutionary new double dust-removal system is designed to prevent dust from threatening the quality of images captured with the GX-20. Samsung has incorporated an advanced dust-removal system that can be set to automatically vibrate the CMOS sensor when the GX-20 is powered on or engaged independently by the shooter and has also manufactured the GX-20's proprietary sensor with a special dust resistant coating, further eliminating the possibility of unwanted specs or blemishes ruining an otherwise perfect picture. As if that weren't enough, the GX-20 boasts a specially designed body that was made to stand up to the elements. Every button, gap and other potentially vulnerable area on the camera's body has been fortified with special seals and silicone to protect against damage from water, sand and a host of other elements.
Another attractive feature for advanced photographers is the GX-20's superb Raw image format support. The exclusive one-touch Raw shooting button enables users to quickly capture 14-bit Raw images, which can then be quickly be viewed on the LCD screen. If the shooter desires, the Raw image can also be converted to JPEG format directly on the camera. The GX-20's intuitive and easy to use interface makes even the most advanced tasks easy to accomplish for just about anyone. The GX-20's continuous shooting mode is capable of capturing up to three pictures per second (pps). Depending on available memory, shooters can capture an unlimited number of JPEG images in continuous shooting mode and up to nine images in Raw format.
For accurate autofocusing in any shooting condition, shooters can take advantage of the GX-20's 11-point TTL, wide-area Auto Focus system. For added versatility and to compliment their shooting style, users have a choice of AF-single or AF-continuous. The GX-20 also features a TTL open-aperture 16-segment metering system for accurate exposures, as well as center-weighted and spot metering.
Samsung GX-20: US$1399.95 MSRP, available March 2008.
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Samsung GX-20 review by pentaxguy
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seals, in-body stabilization, front/back focus correction for up to 20 lenses, Pentax mount, sharp jpegs, great bundled software
some colors in out-of-camera jpegs are too much off (but correctible with bundled software), weight
Bought with the 18-55 kit.
A "better" twin of Pentax K20D. Why better?
1) Out of camera jpegs are sharper - as sharp as RAW and you can jack up the sharpening to +4 and still get no sharpening artifacts. Some colors (in particular those that fall somewhere between pink and orange but are neither) seem to be quite off, but you can correct it with software (if you don't want to shoot RAW:-)).
2) Great bundled software - Samsung Raw Converter - allows you to fine tune white balance separately for dark parts only after choosing the right one for the entire picture - helps a lot with landscapes when proper WB for sunlit areas often creates a bizarre cast in tree shadows. Another feature - "Fine Color Controller" - allows fine tuning of particular colors without affecting the others. Also works with jpegs, helping alleviate the problem described in cons and pt 1).
3) The menu layout is clear and logical, very easy to navigate - just choose the proper bookmark and scroll down the table. The camera remembers in which line you were in which bookmark, so you re-enter the menu where you left.
4) The Samsung brand is even more underappreciated than Pentax, so the body with the 18-55 lens costs significantly less (even without a promotional price cut) than the K20D body alone.
The rest of the characteristics is the same as for K20D: weather seals, full compatibility with probably all Pentax lenses and third party (Sigma, Tamron) with Pentax mount, focus confirmation with manual lenses (it would probably work with literally any piece of glass, e.g. a part of broken window), built-in image stabilization (2 stops efective) works even with lenses that don't transmit information about focal length to the body - you type in the focal length in the menu, easy to learn and use layout of the buttons on the body, the most important functions are easily and quickly accesible, including ISO (despite the lack of dedicated button - just read the manual), in-body front/back focus correction - settings can be saved for up to 20 lenses, image quality on par with Canon 40D or 50D... I could go on and on...
I can't say much about focusing speed with long telephoto lenses (I'm alluding to the criticism of K20D autofocus speed with a 200mm prime at Imaging Resource, the"sister site" of slrgear), as I don't have any (yet). What I can say from my experience is that with the kit lens (they're never too quick to focus, are they?) set to 55mm and f/8 I managed to get tack sharp pictures of butterflies around 3 feet away from me. So the body seems to be OK, just pair it with a proper lens.
The only drawback for me is the weight - don't expect to put the strap on your neck and carry the camera on your chest on long treks.
Some people may want to know (and complain about) the fact that (as reported by dxomark.com - a "befriended" site of slrgear?) at ISO 1600 and above noise reduction kicks in automatically and cannot be switched off (the same is true for K20D). It may lead to some loss of detail. Just to keep things in perspective, Nikon D90 compresses all RAW pics, which guarantees loss of detail - and no one cries about it just because it's Nikon. To me it doesn't matter - I don't use ISO 1600 - I might just as well use a compact which at ISO 100 has similar noise to dslr at 1600.
The bottom line is the GX-20 is in my opinion the best body for the Pentax system right now, before full test results for K-7 are available. And after we know more about the K-7 (GX-30?) given the expected price, the GX-20 will remain at least the best offer in terms of price/quality ratio.
It really is one of those very rare instances when you get much, much more than what you paid for. Highly recommended for those who know the quality of pictures depends mostly on the photographer and not the Canon or Nikon logo painted on the equipment.
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The 335i is likely a manual as the automatic single turbo cars still do not seem to be making the same power as the manual vehicles. So, at this point, it will really take a manual 335i with meth on race gas with the ST kit to keep pace with a mild supercharged DCT M3 on 91 pump as seen in the vid. The M3 pulls, but the 335i does a nice job considering the M3 seems to get a jump on it and has the disadvantage seen during shifts due to the dual clutch M3 transmission.
The main thing this video shows is Shiv@Vishnu needs to beat stock internal M3's before running his mouth about what this turbo kit can do against more stout BMW's including more powerful M3's. Which right now, as the video shows, is not much of anything.


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Speakers Alton IL
When searching for the perfect speakers, the selection may be overwhelming. Read more to learn about various speakers, ranging from surround sound to wireless speakers.
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In-Wall Speakers Alton IL
Looking for In-Wall Speakers in Alton, IL? We have compiled a list of businesses and services around Alton that should help you with your search. We hope this page helps you find In-Wall Speakers in Alton.
Floor Speakers Alton IL
Looking for Floor Speakers in Alton, IL? We have compiled a list of businesses and services around Alton that should help you with your search. We hope this page helps you find Floor Speakers in Alton.
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Looking for Bookshelf Speakers in Alton, IL? We have compiled a list of businesses and services around Alton that should help you with your search. We hope this page helps you find Bookshelf Speakers in Alton.
Aperion Audio SLIMstage30 Soundbar Alton IL
Aperion SLIMstage30 Soundbar a single bar of sound for those rooms that aren't conducive to a full 5.1 setup. Fans of audio equipments should seize this oppotunity to know more about this soundbar.
New Leon Speaker Systems Alton IL
The Horizon 212 system starts with the Horizon 212-LCR UT LCR, which is only 1.5 inches deep. For the rear channels, there are a pair of AX-61 in-ceiling speakers. Bass is provided by one A10-UT.
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Acoustic Energy AE1 MkIII SE Review Alton IL
The 38mm (1.5-inch) ring-radiator tweeter has a claimed upper-end frequency response of 40kHz. The 110mm (4.33-inch) woofer is AE's spun aluminum cone with a die-cast magnesium chassis and twin neodymium magnets. The eight layer finish is done by hand, and is available in black or white, or with a cherry veneer. Or you can get it in whatever high-gloss color you want for a bit more.
Aperion Audio SLIMstage30 Soundbar Alton IL
Aperion SLIMstage30 Soundbar a single bar of sound for those rooms that aren't conducive to a full 5.1 setup. Fans of audio equipments should seize this oppotunity to know more about this soundbar.
Audioengine P4 and A5 Reviewed Alton IL
The A5's I received for this review were finished in bamboo (you can get them in white, seen below, and black). This isn't just a veneer or crafty paint trick; this is actual bamboo, and let me tell you, it's gorgeous. You can get the P4s in bamboo as well, and I recommend it. Fit and finish of these, as well as the P4s, were excellent.
B&W 800 Series Diamond Alton IL
With the latest upgrade in their popular 800 Series speakers, B&W has put their famous diamond dome tweeters in every speaker in the line. B&W claims the new 800 Series Diamond, with the diamond tweeters and a host of other changes, offers significantly better performance.
BG Radia BGX-4850 Review Alton IL
The BGX-4850 is designed as an in-wall subwoofer system, although an in-room option is in the works. The system consists of four SM-1250 subwoofer modules and an outboard amplifier, the BGA-2104, to power the modules. Each sub module has 12 4-inch drivers arranged in pairs that result in totally vibration-free performance, which is critical for in-wall installations.
BG Radia Z-92 Tower Loudspeaker Alton IL
The Z-92s' sound was fast, crisp, and clear, without any extra edginess or overly hyped treble. The level of nuance and delicacy was impressive and the unassuming speakers somehow presented the "spaces" between the instruments with rare clarity. Obviously the Z-92 was something special.
Bookshelf Speakers Alton IL
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Burmester 032 Integrated Amplifier and B25 Tower Speakers Review Alton IL
While most top-tier audio manufacturers compete in one or two product categories, Burmester offers complete systems: CD players, digital-to-analog converters, surround processors, preamplifiers, power amplifiers, powerline conditioners, speakers and equipment racks. So I imagine most Burmester 032 and B25 owners will probably add a Burmester CD player, such as the 061 ($13,995) and maybe even a 931 FM tuner ($9,995).
CEDIA 2009 Alton IL
The speaker is a modified version of the company's PowerPoint 1.2 on-wall speaker with a couple of key differences, the biggest being constructed for outdoor environments. The speaker is designed with a combination of coaxial/coplanar drivers and a wedge-shaped enclosure that emits audio in a 90-degree radiation pattern, which Thiel says is wider then most in-walls.
Cinepro Mighty Speakers Alton IL
The core of the system—and the biggest reason I traveled across the country to see it—is the Mighty mini-speaker. I encountered the Mighty at a trade show a couple of months before and couldn't believe what I heard: an ordinary-looking bookshelf design that exhibited all of the precision and power handling of a top-notch, $10,000-per-pair tower speaker.
Definitive Technologies Mythos XTR-50 Alton IL
The key to the XTR's thinness is Def Tech's XTDD driver technology, which compresses all the necessary elements of a normal speaker driver into a thinner space. Each XTR-50 has a 1-inch aluminum dome tweeter (the same as found in the Mythos ST ), two 3.5-inch XTDD anodized Aluminum dome mid/bass drivers and four 3.5-inch woofers.
Dolby Pro Logic IIz vs. Audyssey DSX vs. DTS Alton IL
For most people, they can pinpoint a sound within a few degrees of accuracy. This diminishes significantly as the sound moves behind you (between 15 and 20 degrees of accuracy). Chalk this up to the hunter part of hunter/gatherer. From a pure logistic standpoint, this is beneficial as well. It's a lot easier to convince your spouse to run a few more wires up the front wall behind the TV than running long cables somewhere behind the sofa (if you even can).
Fatman iTube Red-i and Peachtree Audio Nova Reviews Alton IL
When Digital Met Analog Ditch the transistors and go tubing with old-fashioned, oh-so-analog vacuum tube audio gear from Peachtree Audio and Fatman. read more to find information about this gadgets.
Floor Speakers Alton IL
Looking for Floor Speakers in Alton, IL? We have compiled a list of businesses and services around Alton that should help you with your search. We hope this page helps you find Floor Speakers in Alton.
Hansen Audio Prince V2 Alton IL
The most striking thing about Hansen Audio's Prince V2 is its superlative sound, but that's kinda like saying a Dodge Viper SRT10 is a really fast car. It's quick alright, just lacking the reflexes and finely honed sophistication of a Ferrari 599 GTB Fiorano. After all, when you're listening to a piano recording, the speakers have to do more than reproduce the sound of the piano—you want to hear the musician playing the piano.
Infinity C336 Review Alton IL
The two speakers had a nice high-gloss black sheen to them that added to their overall powerful-looking image. They're also available in a cherry veneer. For my test I used a Denon 7.1 AVR4310 receiver and a Pioneer BDP-320 Blu-ray player. The C336 speakers were situated about four feet away from each other and were around five feet away from my seating arrangement.
In-Wall Speakers Alton IL
Looking for In-Wall Speakers in Alton, IL? We have compiled a list of businesses and services around Alton that should help you with your search. We hope this page helps you find In-Wall Speakers in Alton.
Joey Roth Ceramic Speakers Alton IL
The Joey Roth designed Ceramic Speakers are a stunning mixture of audio and design. The 8-inch long speakers are a great addition to any trendy audiophile's tabletop 2-channel system. Read the following article to get more info regarding the Joey Roth ceramic speakers.
KEF XQ40 Review Alton IL
Moving away from the center, there wasn't the usual drop-off found with many other speakers. So if you have a wide room or a lot of seats, the XQ40s would be a good choice to ensure those seated at the edges of your theater still get decent sound.
Klipsch Palladium P-39F Tower Speaker Alton IL
The boldly curved speaker's "boat tail" shape is distinctive as all get out and the rounded cabinet's interior quells resonance that would muddy the sound. Those curved sides are made from seven ply, constrained layer, composite laminate wood panels, and the front baffle is reinforced with steel. It's a large speaker, 56 inches tall and 24.75 deep, but it doesn't seem as imposing as some statement designs.
Klipsch WF-34 Speaker Review Alton IL
For my review, I used the WF-34 floor standing speakers (obviously!) matched with the WC-24 center channel speaker, a pair of Klipsch WB-14 surround speakers and a Klipsch XW-300d sub-woofer. A Yamaha receiver and Pioneer Blu-ray player supplied power and content.
Krell Modulari Duo Speaker Review Alton IL
The Modulari Duo Reference is a two-piece system. The top speaker, available separately as the Modulari Primo ($20,000/pair), is a two-way design featuring a 7-inch aluminum woofer and 1-inch ring radiator tweeter, with a rather lethal-looking point in its center. The lower cabinet houses three 8-inch aluminum woofers in its vault-like enclosure.
Linn's Komponent Speakers Alton IL
To power the Komponent system, Linn offers the equally stylish, comparably compact Unidisk SC DVD player/surround processor and the Chakra C 5100 five-channel amplifier. Both measure a mere 3.2 inches high.
Loiminchay Audio Chagall Loudspeaker Review Alton IL
The Chagall's drive units are all edge of the art designs, ergo the ultra-lightweight, yet super-hard 1-inch diamond tweeter's response reaches 40 kilohertz to produce unrivaled texture and nuance in the upper frequencies. The high-performance 6.8-inch ceramic midrange and 8.6-inch woofer are sourced from Germany, each built to Loiminchay's specifications.
Loudspeakers & Amplification for a Theater Alton IL
For the theater's loudspeakers and amplification, Tannoy installed an advanced prototype of its Definition Install system, for which Eccles provided his insight about the requirements that custom installers face). "This was the first time we used the system [in a residential application], but now it's the main push at the high end of our home theater business," says Darrin Kavanagh of Tannoy , North America. Graham Hendry, who heads up product development and is based in Tannoy's main factory in Scotland, also worked on the project.
Magnepan MG3.6/R Review Alton IL
The speaker projects a more full-bodied, three-dimensional soundstage than any box can—correction, the MG 3.6/R's sound was bigger and deeper than I've ever heard from a speaker retailing for less than $50,000. With the MG 3.6/R instruments and voices emerge closer to their real life scale and size. Clearly, Magnepan engineers changed the way speakers compress and rarefy air.
MartinLogan Purity Review Alton IL
If you're unfamiliar with electrostatic speakers, it's perhaps best to begin with a discussion of what makes them so different. Simply put, whereas traditional speakers rely on cones of various sizes pushed and pulled by magnets to compress and rarify air, electrostatics consist of an ultra-thin film sandwiched between two differentially charged screens, which force the film forwards or backwards depending on their charge.
Monitor Audio W380-LCR In-Wall and C380-FX In-ceiling Speakers with RSW12 Subwoofer Alton IL
The W380-LCR is a three-way rectangular speaker with an eight-inch woofer and a dual-concentric midrange/tweeter module that can be pivoted up to 18-degrees to direct the sound toward the listening area. The C380-FX is an eight-inch two-way round speaker with dual tweeters that can be configured for bipole or dipole (direct or diffuse) sound radiation patterns depending on speaker placement or listening preference, such as movies or multichannel music.
New Leon Speaker Systems Alton IL
The Horizon 212 system starts with the Horizon 212-LCR UT LCR, which is only 1.5 inches deep. For the rear channels, there are a pair of AX-61 in-ceiling speakers. Bass is provided by one A10-UT.
New RBH Signature Series Speakers Alton IL
The speaker's acoustic suspension design includes a dimpled front-firing flared port that RBH says works in conjunction with the three woofers to allow a frequency response down to 22 hertz. The speaker cabinet is constructed of 0.75-inch MDF and internally braced to eliminate standing waves and cabinet resonance. You can choose from 30 different custom woodgrain veneers; the 8300-SE/R is shown here in the Macassar Ebony veneer.
Newport Audio Systems Alton IL
Newport is a spin-off of California Audio Technologies, also known as CAT. Much of the technology in CAT's ultra-high-end speakers trickles down into Newport's line. CAT uses sophisticated computer numeric control (CNC) machines to carve the 5mm-thick aluminum faceplates on Newport's Gold Series in-wall speakers.
Paradigm RVC-12SQ In-Wall Subwoofer Alton IL
The RVC-12SQ works by firing two powerful 14" x 4" mineral-filled co-polymer polypropylene woofers at each other, in phase, to cancel much of the vibration at the wall itself. The unit's high-pressure die-cast chassis also provides exceptional bracing. Optimal power for the RVC-12SQ is provided by Paradigm's X-300 and X-850 Subwoofer Amplifiers, and for best performance Paradigm suggests using its PBK-1 Perfect Bass Kit room correction system.
Paradigm Studio SUB 12 Subwoofer Review Alton IL
Paradigm's Perfect Bass Kit works pretty much exactly the way the Anthem Room Correction does. The Kit comes with a microphone, mic stand, and software for Windows XP or Vista. The biggest difference is that the connection between PC and subwoofer is made via USB, not RS-232, as with the ARC-1 system and the Anthem D2v.
Peachtree Audio Decco and Era Design 4 Satellite Speakers Alton IL
The Decco's preamplifier outputs could be used with either a more powerful amplifier or a subwoofer, but I doubt those two options will be necessary. The Decco's "Bass EQ" button supplies a six-decibel boost at 50 HZ to pump up the bass to work wonders with small desktop speakers. It did the trick with the little Era Design 4 Satellite speakers I used with the Decco.
Polk Atrium Sat30 and Sub10 Review Alton IL
The Sat30 is about the size of a small light fixture, which is not by accident. One of the installation options is to hang the speakers from the patio roof as if they are light fixtures. Inside is a 3.5-inch "Dynamic Balance Composite Cone" midrange. In front of that is a 0.75-inch "Dynamic Balance Polyurethane Tweeter," a layout reminiscent of car speakers.
Sonus faber Liuto Review Alton IL
The midrange driver is unique. It features a woven, thermo-molded polypropylene cone, which is something I've never seen or heard before. Sure, plain vanilla molded polypropylene cones have rightly gone out of favor, mostly because they had a rather noticeable hollow, "plastic" coloration. Yet Tezzon's woven, thermo-treated polypropylene cone sounds smooth, detailed and lifelike.
Soundcast OutCast Wireless Outdoor Speaker Alton IL
Outdoor speakers tend to be more industrial and utilitarian in the design department, and the OutCast follows suit. It looks like a giant humidifier, thanks to its tall, round cabinet that's constructed of beige, water-resistant plastic.
Soundmatters FoxL Alton IL
Introduced as "portable loudspeakers", the foxL is soundmatters' multi-tasking mini dynamo: it can play music, connect via Bluetooth as a speakerphone with built in mic (foxLmb), and can even function as an external microphone for a computer. They do all of this with finesse unseen in the portable speaker field to date.
Specimen Little Horn Speaker Alton IL
For more than a decade, Chicago luthier Ian Schneller has been experimenting with horn-shaped drivers paired with amps to better project the sound of hard-to-amplify instruments, much to the delight of artists like violinist Andrew Bird.
Tower Speakers Alton IL
As with the iPod, there are no visible fasteners. The panels in the Synchrony speakers snap into aluminum extrusions, and screws securing the drivers and the jack panel are covered with rubber grommets. It's a handsome package that bespeaks both thoughtful design and elegant engineering.
Triad DesignerSeries Invisible Speakers Alton IL
Only requiring a little more than an inch to be mounted, the DesignerSeries eschews traditional woofers and tweeters for an electro mechanical transducers that turn the front surface into the sound radiator. In other words, the plaster you put over this speaker itself becomes part of the speaker.
Velodyne MicroVee Subwoofer Alton IL
The MicroVee packs a 6.5-inch long-excursion woofer and two 6.5-inch passive radiators into its ribbed aluminum chassis. There's also a powerful digital amplifier inside, which Velodyne rates at 1,000 watts RMS and 2,000 watts dynamic power. However, these numbers probably don't mean much; the MicroVee includes protection circuitry that prevents damage to the woofer, so I suspect that little 6.5-incher will never face the full brunt of the amp's power.
VisionArt Galleries Alton IL
Homeowners, interior decorators and art aficionados are turning to VisionArt Galleries as a fine-art solution to concealing everything from projections screens and recessed video projectors to home theater components and flat-screen televisions. VisionArt is found in residential installations, hotels, conference rooms and other commercial applications.
Waterfall Audio Victoria Evo Review Alton IL
The first impression of the Victoria Evos is pretty much the exact opposite as you'd expect. These speakers are powerfully strong. When track six, "Pruit Igoe," gets going, your neighbors are going to know about it. It's thunderous. Waterfall makes subwoofers, but if you're looking for a simple 2-channel system, these speakers certainly don't need the help.
Wisdom Audio Sage L75 Review Alton IL
The L75 speaker system is part of Wisdom Audio's Sage Series, which has 20 in-wall, on-wall and floorstanding speakers. They are all hybrid speakers, so they incorporate newly designed, proprietary, thin-film planar magnetic drivers for mid and high frequencies and conventional drivers for bass.


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Despite McCrory's statements, universities should not become, and never were meant to be, job factories. That's not their mission. We have a community college system for that. And, those who attend universities can major in fields like engineering, nursing, teaching and a multitude of other fields that lead directly to jobs. But tying the education system too closely to the needs of the job market smacks of social engineering — this many widgets will take engineering, this many will become teachers — and will not produce grads with the entrepreneurial creativity and ingenuity that truly drive the American economy.
And I'm not sure exactly how you measure how many of those "butts can get jobs." It took me 10 years to settle into a career, and I'm sure that's not so different from a lot of liberal arts majors.
In 1982 I walked across the stage at Varsity Gymnasium at Appalachian State University and was handed a diploma certifying that I had completed the requirements to earn a Bachelor of Arts in English literature. A few hours later my parents drove out of town, my roommates all went their different ways to their own friends and parties, and I found myself alone in my apartment. With a bit of melancholy and angst, I wondered just what in the hell I was going to do with one of those liberal arts degrees — and a minor in philosophy, thank you Gov. McCrory.
Today, I have no idea where that piece of paper called a diploma resides. It may have become fire starter on one of the cold nights during the next few years as I wandered from job to job and town to town, barely making ends meet. At one point, I ended up back in Boone, enrolling for a second degree and working for friends who had started a construction company.
I never finished that second degree, but I did become a competent carpenter. In those days there were a lot of tool-belt-wearing framing carpenters who had master's degrees and PhD dissertations that were gathering dust in closets. We often found ourselves discussing subjects like German philosopher Friedrich Nietzsche's theory of Superman or John Milton's poetry as we hammered and sawed our way toward a cold beer at the end of the day and a paycheck at the end of the week.
It would be several years before I found a career in the newspaper business, but never once did it occur to me that my liberal arts degree was a mistake. In fact, during those years between graduation and finally settling into a career at age 28, my liberal arts degree led me to take the Graduate Records Exam, consider law school, apply for and get accepted to a graduate school I then chose not to attend, take the test to become an officer in the U.S. Coast Guard, get accepted for and turn down a teaching position in China, and take numerous trips to parts of this country and the world that some people never get to see. I was still curious, just like when deciding that a liberal arts education was what would make my university time relevant and motivate me to study hard.
Today's job market demands critical thinking and adaptability. Most grads will hold six or seven career type jobs before they retire. It's true many industries can't find skilled workers to fill jobs, but many other companies suffer because they can't find the intelligent, creative people needed to compete in today's workplace. That's where liberal arts grads come into play.
It's sad that too many conservatives today have forgotten their roots. McCrory's reference during the Bennett interview to the "educational elite" brings to mind the anti-intellectual side of the GOP, the side that one writer said led to the party's infatuation with the likes of Sarah Palin. Some may recall that it was Palin who "famously could not name which newspapers she read," as if that was an admirable trait. Labels like those used by McCrory explain nothing but provide convenient talking points. I'll take the likes of George Will or the late William F. Buckley over that side of the GOP any day.
McCrory blundered. He later said he had never criticized a liberal arts education, and I for one hope he was just pandering to Bennett and his Tea Party audience rather than speaking from the heart.


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What parents, teachers and child care providers need to know.
Watch or listen to our classroom video, author interviews and more.
Real questions from parents and educators, answered by experts.
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From print awareness to comprehension
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The reasons why some kids struggle with reading
Pinpoint the problem a struggling reader is having and learn how to help
When your child needs additional teaching, tutoring or special education services
Questions about assessment, comprehension, dyslexia and more
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Meet your favorite authors and illustrators in our video interviews
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Dozens of carefully selected booklists, for kids 0-8 years old
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