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Taxpayers might keep more of their own tax refund money in their pockets this year because banks no longer make the costly loans often advertised by tax preparation companies as rapid refunds. But consumers watch out: other quickie loan products might be even worse.
Continue Reading Below
In the past, refund anticipation loans (RALs) enticed millions of consumers to get very high-interest loans for up to the estimated amount of their refunds. Through RALs, they got money in one or two days rather than waiting at least one to three weeks for their Internal Revenue Service refund. (See "11 options for filing tax returns for free.")
But federal regulators cracked down on refund anticipation loans after investigations found that many tax preparers, who were acting as agents for banks offering the products, were not complying with federal lending regulations and state laws. Federally regulated banks were forced out of the RAL business, and in 2012, only one still made the loans. This year, none do.
Cash-strapped consumers, though, still want refunds fast, experts say -- especially this year.
"People plan on that tax money," says Morgan Flynn, director of sales and marketing for the Association of Registered Tax Return Preparers, founded by the president of M&M Income Tax Service, a South Carolina tax preparer that offered refund anticipation loans last year. Since the IRS delayed the start of tax season by over a week in 2013, due to last-minute tax code changes by Congress, consumers desperate to get money for rent or medical bills will be in even more of a bind, he says. Also, consumers claiming certain education tax credits will have to wait about two weeks longer (around mid-February) to file. And, unlike last year when the IRS predicted that many taxpayers would receive their refunds within 10 days, the agency this year states that most taxpayers will get their money within 21 days.
So, tax preparers will be on the lookout for ways to speed up the refund process for their clients, and to make up the income they're losing from not being able to offer bank refund anticipation loans, says Tom Feltner, director of financial services for the Consumer Federation of America.
But consumers should think twice before biting on offers for any of the products that are replacing refund anticipation loans, Feltner says: "Consumers need to realize they are paying a fee to get their own money."
Here is a roundup of 2013's RAL-like substitutes.
Tax preparers still offer quick cash
This year, tax preparers are still partnering with financial institutions to offer three main products: refund anticipation checks (RACs), which have been around for years, as well as personal loans not tied to a tax refund and non-bank refund anticipation loans. Here's how they work:
- RACS and similar products -- Consumer advocates say a refund anticipation check is basically a costly short-term loan of the tax preparation fee. Some consumers use them to defer paying their tax preparation fees, which average $143 for a nonitemized 1040A federal and state tax return, or $246 for an itemized return, according to a survey by the National Society of Accountants. Most tax preparers require consumers to pay for that service when the return is filed. But with a refund anticipation check, the preparer agrees to wait and take that fee out of the refund, essentially floating a loan for the cost of that fee to the taxpayer. To do so, a temporary bank account is opened for the consumer. After the tax refund is deposited into that bank account -- usually 10 to 21 days later -- the tax preparation fee and other fees are taken out, and the taxpayer gets the remainder by check -- or, in variations on the RAC, by direct deposit or prepaid card. The lender usually charges a fee of $30 to $35, and the preparer might charge an additional fee of $25 or more, according to Chi Chi Wu, staff attorney for the National Consumer Law Center. The three biggest tax preparation chains all are offering refund anticipation checks this year. H&R Block offers a RAC for a fee of $34.95 for direct deposit, or that amount plus an additional $20 for a paper check. Liberty Tax Service has electronic refund deposits or electronic refund checks -- check-like products -- for a $29.95 bank fee plus a $9 "transmittal fee." And Jackson Hewitt advertises on its website that taxpayers can "get up to $9,999 fast" through an Assisted Refund, which functions like a refund anticipation check and costs as much as $49.95. After fees are subtracted, the consumer can get the remainder of the refund via direct deposit, check or on a Jackson Hewitt smart card Prepaid Visa Card, which carries a monthly fee of $5.95 and a $2.50 fee for ATM cash withdrawals.
- Personal lines of credit -- Several big preparers are offering personal loans that they are careful to say are not tied to a tax refund. "It's based off of a person's credit, not the size of their tax refund or their status with the IRS," says Flynn, noting that the amounts are much lower than the $3,000 or more many consumers were able to get with RACs. For example, in some states Jackson Hewitt is offering the new "SmartLine" personal line of credit of $200 to $1,000, which the consumer repays in monthly installments. It has a $6.95 monthly maintenance fee, an interest rate of 35%, a late fee up to $35 and an "access fee" of 3% or $10, whichever is greater, to transfer funds. Until Jan. 24, H&R Block offered a line of credit called an "Emerald Advance," with funds put on the H&R Block Emerald Prepaid MasterCard. It had an annual fee of $45, a $5 late payment fee and an APR of 36%. Flynn says M&M Income Tax Service considered offering similar loans, but decided against it because it's too much of a gamble for the lender and likely won't last as a RAL replacement: "They know a good percentage of these are going to default," he says, noting that's why the loan amounts are lower.
- Nonbank RALs -- Lenders other than banks can still make refund anticipation loans, and these loans, especially if they come from payday lenders, could be "riskier and more expensive" for taxpayers than the traditional refund anticipation loans, Wu says. However, consumer groups say these lenders likely will not have the capital to make these loans on a widespread scale the way banks could. For example, in order to make 100,000 loans of $1,500 each, a lender would need $150 million. This year, Liberty Tax Service is partnering with a nonbank lender that will make refund anticipation loans for a $39 fee plus finance charges based on the loan amount, which can be up to $3,000.
A RAL by any other name
In a related twist, AIT Financial Group, a company whose "goal is to provide you with options to replace the refund anticipation loans that are no longer available," is now offering to "buy" part of taxpayers' refunds for a hefty fee.
Here is how the product, called "Simple Cash Option," works, according to Nathan Adams, senior vice president for AIT Financial. The taxpayer goes to a tax preparer, who completes their tax return. The consumer then goes online and, with the transaction recorded by a webcam, "offers to make a sale" to AIT of a portion of their refund. The company either accepts or rejects the offer, but Adams won't say how they decide or what percent they accept. The customer has two days to back out without incurring fees. Within 48 hours of the return being accepted by the IRS, the company issues the taxpayer a check.
The company won't reveal its fees, saying they change from day to day based on factors such as how much money they have "on the street" at the moment. However, on its website, the company gives several hypothetical examples: a taxpayer who wants $600 might sell $700 of their refund, which amounts to a fee of $100. Or, a taxpayer who wants $1,200 might sell as much as $1,600 of their refund, so the fee would be $400. The cost is "lower than a loan they'd get from a payday loan company," says Adams, who states that the product is "not a loan."
Consumer groups say taxpayers should be very wary of these types of products. "This is RAL lending in the form of a 'tax refund assignment' or purchase of a tax refund," Wu says. "This is a disguised loan and a nonbank RAL."
Watch out for 'shady' tax preparers
In 2012, the U.S. Department of Justice and other officials sued certain tax preparers for a variety of unsavory practices, including offering refund anticipation loans to get consumers in the door as a bait-and-switch scheme. The department sued a chain called Instant Tax Service, alleging they advertised refund anticipation loans, then turned down more than 90% of applicants.
"A really dirty tax preparer will say, 'Yes, we have a RAL,' to get you in there," Flynn says. "You file your tax return and then they will call you and say, 'Sorry, you're not approved for the RAL. Thank you for filing with us.'"
In a case that's still ongoing, the Department of Justice in 2012 tried to shut down the national chain Instant Tax Service and five of its franchisees, for allegedly inflating the size of customers' tax refunds through fraud, such as making up dependents, then skimming huge, sometimes undisclosed, fees off the refund.
Also in 2012, Illinois Attorney General Lisa Madigan sued national tax preparation chain Mo' Money Taxes for similar activities. The company allegedly advertised "instant cash" to low-income consumers, then siphoned as much as $700 from each refund before handing over the rest to the taxpayer. In December, the department also sued a Mo' Money licensee in Tennessee for fraud, including getting taxpayers' refunds for thousands of dollars when they should have owed money.
Hairstylists licensed, but not tax preparers
The IRS in 2011 began requiring tax preparers to register and, except for CPAs, attorneys and enrolled agents, pass a competency test. But a federal judge in January temporarily derailed the program, saying the IRS does not have the authority to regulate tax preparers. The IRS plans to appeal. "You need a license to cut hair in most states," Wu says. "But in this court decision, the court was saying you don't need one to prepare someone's taxes for hire."
In order to avoid questionable preparers and onerous fees, consumer advocates recommend that low- and middle-income taxpayers consider getting free tax preparation help through a volunteer program such as Volunteer Income Tax Assistance. Through the program, consumers who have bank accounts can e-file their taxes and request direct deposit for their refunds, and in most cases get them in 21 days or fewer. Consumers who don't have accounts can e-file and have their refund put on a prepaid card, including a prepaid or payroll card they already have, Wu says.
The Consumer Federation of America's Feltner says consumers should steer clear of risky loans and look at their tax refund as a way to add to savings or pay down debt. He says: "Try to use it to build your finances, not to get further in debt."
See related: 4 last-ditch, high-cost loans to avoid


text:
Viewing your web statistics
If you have purchased a 30Mb (or larger) web hosting account
full visitor statistics are generated
automatically every day for your site.
To view your visitor stats at any time enter the following address in your
web browser:
An explanation of each of the terms used on the web statistics pages is
given below. The statistics are generated by the excellent Webalizer package.
information please go to
Any request made to the server which is logged, is considered
a "hit". Thus a hit is a request for any file – html pages,
images, sound files, scripts etc...
Hits also include requests made to the server, which did not result in any
files being returned (for example if the browser has already downloaded a file).
Some requests made to the server, require that the server
then send a file back to the requesting client, such as an html page or graphic
image. The files total is the total number of files sent back to the client
in the specified period.
The "Pages" total includes all HTML pages
and also any scripts that generate an HTML page (e.g. PHP or ASP pages).
This is the total number of unique client IP addresses
which made requests to the server in the specified period.
This is the really important figure. "Visits" is
the total number of unique visitors (i.e. client IP addresses) to your site.
Note that a visitor is not considered unique if they return more than once
in any
Detailed Reporting
By clicking on the links for each month you will be able
to obtain more detail about the traffic coming to your site:
Each month's page is divided into sections.
Hits by Response Code
This gives the identifier and quantity of all response
codes returned by the server during the month selected. This section is quite
useful for determining broken links (for example code 404 - Not Found) and
general site integrity.
Daily Statistics
This section gives a day by day breakdown of traffic coming
to your web site in both graphical and numerical form.
Hourly Statistics
This section gives the hourly traffic averages for the
month to date.
Shows the top 30 pages requested from your site in order
of popularity.
Entry Pages
This shows the top 10 pages that were requested as the
first page by a new visitor (i.e. the page where a user has "entered" your
site"). Normally your home page "/" will be the most popular entry page.
Exit Pages
This shows the top 10 pages that were requested as the
last page viewed by the visitor before they left your site.
Total Sites
Shows the top 30 client IP addresses which requested pages
from your site.
Total Sites by KBytes
This section shows the top 10 client IP addresses ordered
by the amount of data downloaded from your site.
Total Referrers
Shows the top 30 sites which referred traffic to your
site (e.g. search engines, other sites).
Total Search Strings
This section gives the top 30 search phrases used to find
your site on search engines.
Total User Agents
Gives the top 15 browser types used in order of popularity.
Usage by Country
Displays the traffic requesting data from your site by

subset: commoncrawl


text:
This letter is to praise Burbank's Colony Theatre production of "The Morini Strad." Willy Holtzman's play about Erica Morini, a Viennese violin diva who made her debut at the age of 12, focuses on Morini's final days as she painfully deals with the disposition of her beloved Stradivarius violin given to her by her father.
Mariette Hartley plays the aging world-class musician who is difficult and demanding yet elicits the audience's sympathy. The violin music, played by 14-year-old Geneva Lewis of the Colburn School of Performing Arts, is itself worth the ticket price. We are lucky to have such wonderful music and theater so nearby. It plays through Dec.16.
Daniel Cabrera


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Good news for those who are on both Windows Phone 7.8 and the latest version of Microsoft's mobile platform. Joe Belfiore, who heads up the Windows Phone team and is the idol we all secretly praise in a dark, dim-lit room has revealed more information on both system-level Skype integration, as well as the pesky "Other" storage issue that many consumers are experiencing.
The tweets, which were published before Belfiore's tweet about the Windows Phone 7.8 Live Tile issue, went unchecked but we've been rightfully notified by more observant souls. So what's Microsoft looking at when it comes to further integration with its communications service, and will we finally see a fix for the shocking levels of internal storage stolen by the operating system?
First up is the tweet surrounding the mysterious "Other" storage, which is causing consumers concern. Internal storage on smartphones is limited (even though we're comfortably heading into the world of microSD support) and when an operating system takes up a large chunk of the available storage without providing enough detail on exactly what the space is being allocated for, it can be rather frustrating.
We've attempted looked into the issue as numerous reports have been sent in from readers, but we're still waiting on Microsoft to confirm the problem and announce a fix is on the way. Luckily, Belfiore has come to the rescue.
@shounencritiic on "Other" storage: some improvements coming in future updates, it will get better. Try turn-off skydrive auto-photo upload.— joebelfiore (@joebelfiore) March 2, 2013
We'll stick our heads out and bet that the above tweet is exactly what everyone wanted to read. What's more is there's a temporary suggestion until an update hits devices. Belfiore states that by turning off Skydrive auto-photo upload could help solve the problem (or make storage more manageable), potentially freeing up some space for media and apps from the Windows Phone Store. We'll also have to test this out.
While consumers will have to wait for future updates to see the problem addressed, it's at least comforting to know the team is already working on it. Microsoft's Joe Belfiore also went on to tweet out the following:
"Skype integration in people hub is on way... Requires a Skype update, and no I can't say when that's coming."
Skype is a heated topic within the Windows Phone community. Some consumers argue that the service should be heavily integrated into the operating system, while others would prefer Microsoft to focus on refreshing the current client to function as expected. There's one agreement though - Microsoft has room for improvement when it comes to Skype and Windows Phone.
In Belfiore's tweet, he confirms that Skype integration into the People Hub is on the way, which will require a Skype update. Unfortunately details as to when consumers can expect to see the next release were absent, so -- much like the "Other" storage issue -- there's waiting involved. At the very least, information is slowly beginning to trickle out and we can prepare ourselves for some minor improvements in the future.


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So this is it, my last post on Blogspot. At least for this time. I have had a couple of blogs here on Blogspot, the first one when I started my gardencentre/nursery five years ago and I have always had smaller problems here, but no problems like I´ve had these last weeks. So Now I will be moving to a new blog with almost the same name (instead of writing Cranelake I by accident wrote Crane lake :-) :-) ). I´ll put in a link in the end of this post to my new blog home.
It´s been a rather nice, cool sunny day here but the winds have been strong all the time. Our walk before the sun went down was both warm and cold. When we walked in the shadows I wished I was closer to home and when we walked in the sun I wished the day would never end :-)
I´m having a fire in the stove and a pot of tea by my side. The wind is howling outside and I feel that it will be nice sitting inside close to the stove listening to the wind and reading blogs on the computer. I feel a bit sad leaving this place but glad that I did find a new place with hopefully less problems loading my photographs. To be honest, my blog wouldn´t be much without them :-)
So now I say adieu from The cottage by the Cranelake and I wish You all welcome to The cottage by the Crane Lake instead :-)
I´ll start posting there on Thursday
Have a great day now!


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Waving American flags and blowing plastic horns, crowds took over downtown Los Angeles' streets Thursday, demanding new immigration laws and higher wages for workers as part of the labor movement's annual May Day celebration.
Shouting "Obama, listen!" in Spanish, marchers walked down Broadway on Thursday afternoon, part of a series of peaceful protests that took place throughout downtown Los Angeles. As crowds snaked down Broadway, a longtime Latino shopping corridor that's seen a surge of new, hip restaurant openings, marchers called for more immigration reform.
For many, the fight is emotional.
"These are my brothers and sisters," said Carmen Barney, 65, gesturing towards the street as marchers streamed past. Barney left Honduras more than three decades ago, she said, journeying to the U.S., where she lived for years as an undocumented citizen near MacArthur Park.
Wearing a red and white colored, American flag-themed shirt, Barney recounted how she eventually gained citizenship. She also married, after meeting her future husband, an army vet, on a subway line in Los Angeles.
"It's sad and scary (to be undocumented)," said Barney, who said she was disappointed in President Barack Obama's record on immigration. Undocumented workers living in the United States, she said, should receive citizenship.
Across town, teens wore plum-colored shirts that read: "I am undocumented," a proud admission of their status at a march in Chinatown. Another group beat on a drum, loudly chanting: "Not one more deportation, not one more day of dehumanization," while a woman in full Atzec garb danced through the crowd.
More than 20 groups, including the Coalition for Humane Immigrant Rights L.A., and Koreatown Immigrant Workers Alliance (KIWA), had representatives at the Chinatown gathering.
Thursday's marches were described as "low-key," by Los Angeles Police Department spokesman Richard French. As of Thursday afternoon, there were no incidents or arrests, French said, adding that turnout was believed to be lighter compared to past years.
That contrasted with the 2007 May Day Melee at MacArthur Park, when protesters and police clashed violently. After some members of the crowd throw bottles and other objects at police, officers used batons and rubber bullets on members of the crowd, causing multiple injuries, and were later found to have acted excessively. The city paid some $13 million in damages and multiple officers faced disciplinary action.
Since then, however, the annual May Day marches have been mostly peaceful.
With May Day's history steeped in workers' rights issues, groups also seized Thursday's event to rally for higher wages, a topic facing both local politicians and national leaders.
Maria Elena Durazo, head of the Los Angeles County Federation of Labor, is part of a group of labor leaders pushing Los Angeles hotels to pay $15 an hour to their workers, who typically earn far less than their counterparts at union hotels. Opposed by some business groups, the proposal is being studied by the Los Angeles City Council and has the support of Mayor Eric Garcetti.
May Day is "about working conditions for everyone," Durazo said.
Congress is also mulling a bill that would hike the federal minimum wage to $10.10 an hour, a move that Jorge Gutierrez, 38, said could help workers like himself.
An East L.A. resident, and member of a local group that fights for laborer rights, Gutierrez earns about $10 an hour doing construction work, he said.
An undocumented resident, Gutierrez came to America from Mexico.
As marchers shouted around him, Gutierrez raised his voice, straining to be heard, and speaking in Spanish through an interpreter.
"I came to remember the sacrifices made by workers," he said.


text:
Photographs from the Page 1
West Virginia State Archives
Page 1
|Pic 1
Dorothy Brook with possums pulling toy wagon. Upshur County - Fred Brooks Collection (1645 14)
|Pic 2
Young women preparing to dive (2201 11)
|Pic 3
The Great Depression
|Pic 4
Civil War soldier Archibald Jerome Stemple
|Pic 5
Swinging bridge
|Pic 6
One-room school
|Pic 7
Doing the wash
|Pic 8
|Pic 9
Viewing the body
Ninty-niners, women aviators, Parkersburg, April 15, 1945. Front (l to r): Pat Whinnery, Francis Wilson, Marie Beckett, Jo Ann Jordan, unidentified, Ruth Austin, Jo Gaiter, Betty Smith. Back row: Three unidentified, Ann Haislip, unidentified, June Landis, unidentified, Beulah Stark, unidentified. Hubert Stark Collection (3161 10)
West Virginia Archives and History


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New original relay UD2-3NU 1A 3V / 8 pin SMD Low Signal Relays DC3V 1A 8Pin - PCB DPDT 3V NON-LATCH l0PCS/LOT
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text:
Chesterj needed a new logo design and created a contest on 99designs.
A winner was selected from 35 designs submitted by 13 freelance designers.
Autorails ltd require a sharp Logo we can use on our headed paper and signage
We supply motorised curtain rails and blinds to upmarket retailers. Our target market includes architects, interior designers, home automation installers and large residential home owners. It will be difficult to incorporate product in to logo so I am open to innovative design ideas. Clear sharp font to be used, open minded on colours.
- Item 1...Sharp colours, eye catching design, technology related if poss, contemporary look, tag line "Automated curtain and blind solutions"
- Item 1...Fussy, out-dated designs, too much colour, twee images of curtains or blinds
Find out how a design contest works or learn more about our logo design services.


text:
Long time no see, dear readers!
As you might have guessed, I've been a little occupied since I got back from Japan. I'm writing my dissertation and the dear Kid Yum is in a busy daycare schedule. Then of course there is the DH… and our house… and kitty… Blog writing has become a luxury that I haven't been able to afford.
I have been cooking, though, and I have been making many, many bento lunches for Kid Yum these days, and being me, I can't resist photographing them.
So.. when I can, I'd like to share the week's bentos with you. And if, like today, I come up with a fun recipe, I'll share that too.
I have a new passion these days as well that I'd like to share. Along with making (mostly) vegetarian bentos, I've been trying to teach Kid Yum some Japanese. She attended a Japanese pre-school for six months while we were in Mutsu City, and she picked up some phrases and vocabulary, as well as a love for Japanese food and taiko (drums). When I was a kid in first grade, I desperately wanted to learn Japanese (or Chinese)… but I didn't have anyone to teach me. So, given Kid Yum's great start, I thought it would be nice to give her a chance to keep speaking Japanese.
Twice a week she goes to a neat Japanese language school we found. I know, it seems a little crazy for a 3 year old, but it is a really fun school with lots of songs and games. The atmosphere is also very welcoming, and the other moms are really friendly. It has a great sense of community, and I'm hoping that Kira will get a lot out of it long term. The other three days a week, she goes to her old, much-loved preschool. Her Japanese language school is designed to be a once or twice-a-week program, so she couldn't go every day even if she wanted to. I'm happy to have her back at her old school anyway. She is really comfortable there and has even adjusted to nap-time with the help of the head teacher.
So, my new passion is playing in Japanese with Kid Yum. We play with hiragana (Japanese letter) blocks, try writing hiragana on a dry erase board, listen to japanese kids songs in the car, and get Japanese kids books from the library. We also listen to fun Japanese kids songs and watch youtube videos. I have found a new favorite blog as well, the clever Hiragana Mama blog with lots of ideas on how to share Japanese with kids.
Kid Yum seems to like it, and I've learned some new Japanese too. Kids Japanese and vocabulary is a little different than adult conversation, so it is a fun challenge twisting my tongue around the kids book lingo. It may be a funny fit, but I'd like to share the occasional Japanese song gem or fun book that we're reading with you, along with the week's bento and recipes, when time allows. I hope you enjoy getting this peek into Japanese culture and kids education!
I was lucky enough to have dear, kind-hearted fellow bloggers help me with Adopt a Gluten-free Blogger pretty much the whole time I was in Japan. I would like to take back the reins and so I will be posting a sign-up sheet on December 1st. Sign ups AND Posts will be due on December 15th and I'll try to get a round up ASAP so you can enjoy the recipes for the holidays.
For the Japanese media of the week…
Here's a recent favorite song that we heard a lot in Mutsu at kid's karaoke etc.
Here's a rough translation that I found with a quick search.
And on to the Bentos! Hope you enjoy!
Weekly Bento:
Bento 1 Japanese Vegetarian Bento (w/ pescatarian variation)
Contents: Yakisoba-Inspired Fried Rice (back)
1/4 recipe of Maki's tamagoyaki Recipe, raw yellow cauliflower from the farmer's market [uneaten], and grapefruit pieces (front)
note: I actually made a 1/2 recipe of Maki's tamagoyaki and Kid Yum ate 1/4 for breakfast and 1/4 for lunch. She just loves eggs.
Bento 2 Mexican American Vegetarian Bento
Contents: Avocado cubes with lemon juice (do NOT make these the night before, best morning of bento), Apple cubes, gluten-free sweet potato bread (back)
Refried beans (scroll down, used black beans instead of pinto), and quesadillas with homemade gluten-free corn tortillas (front)
*Note: dough mixed night before, saved in refrigerator covered with damp towel and then cooked in cast iron pan the morning of bento. If you can I'd recommend mixing the dough the morning you make the bento OR frying the tortilla the night before and then making the quesadilla freshly in the morning.
And though these pictures aren't as pretty… just for kicks, I thought I'd show how I take my grown-up bento (or tiffin, in this case) and do a pre-school friendly version.
Here's my tiffin:
Indian Quinoa Masala, Carrot Sticks, 1 boiled egg and some fried tofu cubes.
And Kid Yum's bento, made the same night:
Sugar snap peas, grapes (back two containers)
toasted jam sandwich (not Gluten-free, but easily done with a gluten-free bread), sunflower seeds, carrot sticks, CAR-SHAPED boiled egg seasoned with soy sauce, 1 heirloom tomato, and a small serving of Indian quinoa masala
Hope you enjoyed the post! I'm glad to be back. It just didn't feel right, not sharing our Thanksgiving with you… So here's a last yum for you of our Thanksgiving menu. Maybe it will give you some ideas for other winter celebration dinners…
Our Thanksgiving Menu:
GF French Bread, GF Spinach Pie, Baked Acorn Squash Stuffed with Portobella Mushroom filling
Baked Sweet Potato Cranberry Mash with Streusel and Meringue Topping, Mashed Potatoes with vegetarian gravy, and homemade Cranberry Sauce
Dessert included: Homemade GF Apple Pie, GF Pumpkin Pie, GF Pecan Pie, and mini gingerbread cheesecakes
Gluten-free Vegetarian Yakisoba inspired Fried Rice Chahan Recipe
1 tsp. gluten-free tamari or coconut aminos for soy-free
1 tsp. mirin
1/2 tsp agave nectar, maple syrup or sugar
1 small knob of ginger (1/2 in) grated finely with micro-plane
Fried Rice:
Special almost-yakisoba sauce* omit for soy-free:
ao nori for topping
Combine sauce ingredients in small bowl and reserve.
Heat grapeseed oil in a wok or cast iron pan on high. Add your onion and let soften. Then add the diced carrot and then the slivered cabbage and sautee until carrot is al dente. Add sauce to veggies and stir fry for one minute, and then remove from pan.
If necessary, rinse pan with water, clean and dry. Whisk egg ingredients in small bowl, without the sesame oil.
Add a few drops of sesame oil to your newly clean, dry pan. Heat on medium and when warm, add your egg in a flat sheet like a crepe to the pan. After 10 or 20 seconds, add your brown rice, crumbled in your hand so that it falls in individual grains on the rice. Use spatula or large spoon to fold egg into rice. Cook for a minute or two and then fold in the reserved veggies. *Optional pescatarian version- fold in katsuobushi flakes.*
Turn off heat and combine ketchup and worcestershire sauce in a small, microwavable dish and microwave on 30 seconds or until thickened but not burned. Smoke is bad. Thick and crusty is bad, too, so avoid that. Not that I've had any experience with overcooking my almost-yakisoba sauce, mind you.
To serve (or to dress for a bento), put in your intended dish or bento box. sprinkle with ao nori, salt if needed (taste to determine) and sprinkle with black sesame seeds.
Trying to get Kid Yum to like brown rice is a challenge, but she did like this. She found it hard to eat with a fork and a little messy for bento, though. Fine for adult or coordinated kid's bento. I made it the morning of the bento day, using brown rice made the night before.


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User conferences have been held annually in Stockholm since 1994 except 1996 when everybody was busy developing the first version of OTP (Open Telecom Platform). The photograph is from the Sixth EUC, October 3, 2000.
Proceedings from the following Erlang/OTP User Conferences are available on-line: 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007 and 2008.
The Erlang/OTP User Conference 2009 was arranged by Erlang Solutions.
See also information about Erlang workshops which are held in connection with the International Conference on Functional Programming (ICFP).


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Even before the new film "Public Enemies" opens in theaters, it's sparked growing tourism at the last site John Dillinger ever visited -- his grave.
Crown Hill Cemetery near Indianapolis is the permanent resting place of the bank robber extraordinaire, played by Johnny Depp in the new film.
Dillinger's grave has always been the most popular spot in the cemetery -- if there is such a thing -- and gawkers over the years have even chipped off pieces of the tombstone. That's happened so much that cemetery president Keith Norwalk told the Daily Journal that Dillinger is now on grave marker number four.
Much of the film was shot in and around Chicago, and historic landmarks like the Biograph Theater, where Dillinger was shot, have also seen more cameras of late. And last week, Depp, Christian Bale, and director Michael Mann were among the glitterati at a red carpet premier of the film at Chicago's AMC River East.
If you're in the mood for a macabre road trip, here's a map of the Crown Hill Cemetery that will take you to Dillinger's grave. You can even take a guided evening stroll through the graveyard on July 25 to visit Dillinger and other notables' final resting places.
The film opens Wednesday everywhere.


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DIVE, based out of Northern New Jersey, is a band that proudly stands out amongst its peers. A band driven by purpose and filled with passion, DIVE, is a force to be reckoned with. Their debut album "THE TRUTH ABOUT US" hits you fast and hard with a fury of tight rhythms and distorted guitars from beginning to end with tracks such as "The Truth About Us"(title track), "All I Know", and "Falling" while showing you the band's diversity along the way with softer tracks such as "Change" and the piano driven ballad "Never Knew"
But having a great record filled with addicting hooks, and enough headbanging beats to get you an appointment with your local chiropractor is not enough for these young rockers. "It's all about having the live show to back it up" states singer/songwriter Jon Sitar. DIVE has it, leaving it all on the stage and you breathless, screaming for more. Sitar, commands the stage as well as the crowd with his uncanny vocal performance while connecting with the audience through stories of love and loss. Evan Canova and Jeff Moczydlowski dual between rhythm and lead while delivering both color and drive simultaneously backed by a rhythm section with more than enough backbone between bass player, Brian Weaver , and skin pounder Andy Zampella.
Having already shared the stage with many of today's National Acts such as 3 Days Grace, Hinder, Filter, Jimmies Chicken Shack, The Ataris, Eve 6, Rev Theory, Silvertide, Fosterchild and Sum 41, and worked with famed producers Kato Khandwala, Dan Korneff, John Bender, and David Bendeth (Paramore, Breaking Benjamin, Red Jumpsuit Apparatus), DIVE, is a band that will be followed by the masses and lead the charge for rock music into the next decade.
We really appreciate your help by checking out this preview. Drop us a line with any bugs or feedback to firstname.lastname@example.com with "Beta" in the subject.
-New York Underbelly


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Trek 2010: Urban specials from Trek and Gary Fisher
New commuting and recreation bikes
We've already shown you a host of Trek's new models, including the revised Top Fuel, the lighter Fuel EX and new carbon fibre Remedy. Also on show at their annual Trek World show in Waterloo, Wisconsin was a range of new urban bikes and products, created in response to a surge in bicycle commuting and recreational cycling in the US.
From cradle to grave with Trek's new Eco line
Trek's designers adopted a 'full life cycle' approach to their new Belleville and Atwood bikes. The steel tubing requires less energy to produce than other common materials, more environmentally friendly powdercoat paint processes are used, and parts are clearly labelled for recycling.
Wherever possible, suppliers are selected based on proximity to the factory to minimise emissions, and even the rubber used in the tyres is a mix of reground materials plus virgin rubber sourced from a certified sustainable plantation.
Trek hope to make the bikes' useful lives as long as possible, with a focus on durability and utility. The top-end Belleville will come fully equipped with mudguards, racks, chainguards and hub dynamo-powered front and rear lights, while the more bare-bones Atwood does without most of the extras.
Styling is decidedly retro across the board and strongly reminiscent of what we've seen in past years at the North American Handmade Bicycle Show for a classic look that's likely to stay fresh for some time.
The Atwood is part of Trek's new Eco line, which features steel frames and recyclable parts
Trek partner with BionX for 'sweat-free commuting'
Newer commuters, those living further away from the office or anyone needing to arrive at work looking – and smelling – a little more presentable can also look to Trek's new Ride+ range, all of which use BionX's motorised pedal-assist system. According to Trek, electric-assisted bikes are now the most popular type of commuter in Holland and they're hoping the trend will catch on in the US, too.
Trek's new Ride+ line features a motorised pedal-assist system from BionX
In its maximum boost setting, the rear-hub-mounted electric motor can churn out double the rider's pedalling effort up to 350W. Power is drawn from a rechargeable battery located on a proprietary rear rack. Users do have to pedal – the motor won't drive the bike on its own – but 32kmh (20mph) maximum assisted speed has never come so easily. And yes, it's quite fun to ride.
The Ride+'s LCD display indicates battery charge, boost level, speed and distance
The system does add about 7kg (15.5lb) in total, however, so you wouldn't want to spend very much time on one with a dead battery. Thankfully, claimed range is 24-64km (16-40 miles) per charge, charge time is about 3.5 hours and the battery can supposedly survive 600 charge cycles before a replacement is needed. A regenerative braking feature kicks in automatically when you hit the rear brake, and the charge mode can be manually selected on long downhills.
When you hit the rear brake, the system automatically switches into regenerative mode
Trek will include the system on its new 7200+ (in men's and WSD versions), FX+ and Valencia+ models, the latter of which will come equipped with disc brakes, mudguards and lights. Prices top out at about US$2499.99 (approx £1,530).
District and Soho carry on for 2010
Trek's popular District and Soho urban bikes will continue on for 2010, and belt drives are available throughout the range for quiet, clean and maintenance-free running. Topping the belt-equipped range is the new District Carbon, built around a modified 5 Series Madone Pro fit and sporting a 100 percent blacked-out colour scheme.
We first showed you this over-the-top commuter back in April at Sea Otter: the District Carbon
New for 2010 are the 2nd and 3rd District models, both swapping the standard District's carbon-fibre-reinforced belt for a more conventional chain-driven singlespeed setup. Both bikes are nearly identical save for drop bars on one and flat bars on the other, and the same split dropouts used on the standard District will allow for a belt upgrade down the road.
The 3rd District is essentially the same as the 2nd District but with a more upright position
Gary Fisher delves further into the commuter game
The Gary Fisher lineup has long contained commuter elements but 2010 will see a big push in that arena. Highlighting the range are the Simple City 8 and 3 models with multi-speed internally geared rear hubs, mudguards and chainguards. The Simple City 8's front rack is perfectly sized for two paper (or reusable!) grocery bags, and there's even a Euro-style tripod kickstand as well.
The Gary Fisher Simple City 8 is styled after Dutch commuters, with comfy upright positioning
The Lane and Triton models are based more on road bikes, with narrow 700c tyres and drop bars for those who need to get to work a little faster. Steel frame tubes provide good long-term durability and both will accept racks and fenders for hauling cargo and weather protection.
The Gary Fisher Triton offers fixed or singlespeed flexibilility straight out of the box
One of the most interesting models is the bargain basement Gritty, which carries a price tag of just US$399.99 (approx £250). Though built around 700c wheels, the steel frame is more akin to a BMX bike with heavily gusseted head tube and seat cluster areas plus rear-facing horizontal dropouts. A BMX-style stem and brake levers are used too, and there's even a three-piece steel crank.
Gary Fisher aim their new Gritty at commuters on a budget who want a tough-looking machine
Coming up next: Bontrager's extensive range of parts, accessories and clothing for 2010.


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What Does Handmade Mean?
How important is the size of your rug?Super important. Area rugs are designers' dream decor accessory for severalreasons - they add comfort, texture, color pattern, and most importantly, they defineyour space. Even if you have the best color in your rug or the best pattern inyour rug it all falls by the wayside if you don't have the right size of rug. Area rugs define your space. In a living room, the rug defines the main seatingarea and gives that furniture arrangement a sense of place andpermanenc. A rug that's too small will look like it's floating and you losethat sense of place. I've got some guidelines here to help you make theright decision. The first is to size the rug according to the room. This means youwould deduct 3 feet from the overall length and width of the room leaving anideal 1 and 1/2 feet of floor space all around the rug. However this might meanyou'll need a custom size rug! Alternatively, you can determine the rugsize by measuring the area beneath your main seating area. So here we have atypical layout for a living room and something that I see often is a smallrug, maybe a 5 by 7, sitting in front of the sofa like so. None of the furnituresits on top of the rug in this case. The distance between the rug and the wall isalso quite large. All of this makes the rug feel like it's floating in thecenter of the room. Similar to this image. The rug just isn't connected to theseating or the room. If we use a larger rug, perhaps an 8 by 10, you'll noticethat most of the furniture touches the area rug. This is an important guideline!When the furniture, even just the front legs of the furniture, sits on the arearug there's a visual connection from the furniture to the rug and vice versa. Plusthe size of the rug is now larger so it sits more comfortably in the roomoverall so this is a much better layout because the main seating area is nowdefined by the rug. Here's a great example of having a rug that defines theroom because the seating area is connected to the rug. If you have an evenlarger living room where your seating is away from the walls then I wouldrecommend having all the furniture sit comfortably on the rug. This is much morepleasing to the eye because it further connects the rug to the furniture andthe rug to the room as well. You can see in this image thearea rug contains all of the furniture in this living room. This is especiallyimportant when you have an open-concept space where you might have a dining roomnearby. By placing your furniture completely on an area rug you create avisual boundary and define your living room seating arrangement. So here's yourtake away: In a living room, the rug defines the main seating area and givesthat furniture arrangement a sense of place and permanence. Either all or atleast the front legs of the furniture should be sitting on the area rug. Thiswill clearly define your seating area and it's the foundation for a greatliving room. Thanks for watching this little design tip. I'll have lots moredesign tips just like this one coming soon so don't forget to subscribe!I've got new videos every week. And leave a comment! I love hearing from you alland if you like this video please hit the like button! See you soon!.
Guide to Oriental Rugs
Braided Towel Rug
The Experts
- John Kurtz, former host of the PBS show Art Underfoot, is the designer for New Moon, a rug company he owns in Wilmington, Del.
- Karl Lohnes, interior designer in Toronto and co-host of HGTV's This Small Space
- Patrick J. Baglino, Jr., a Washington-based interior designer who was recently voted one of America's top young designers by House Beautiful.


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Guide to Geologic Hazards in Alaska
- Rock avalanche
- The very rapid downslope flowage of rock fragments, during which the fragments may become further broken or pulverized. Rock avalanches typically result from large rockfalls and rockslides, and their patterns of displacement have led to the term rock-fragment flow (Varnes, 1958). Characteristic features include chaotic distribution of large blocks, flow morphology and internal structure, relative thinness in comparison to large areal extent, high porosity, angularity of fragments, and lobate form. Cf: debris flow. (Neuendorf, K.K.E. and others, 2005)
- DGGS online catalog of government agency publications relating to: Rock avalanche


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(CNN) -- The arctic weather just keeps pounding people on the move.
Here are some tips to ease the trip home, but above all else, patience -- and caution -- will be key.
Rebook your flight for free. Airlines rolled out their customary winter weather waivers this week, so most passengers traveling to, from or through affected areas can make one itinerary change without paying a change fee. Delta, American, US Airways, United, Southwest/AirTran and JetBlue have all posted weather policies on their websites.
Act quickly. Rebook your itinerary as soon as possible. Other passengers are snapping up open seats as you mull over a new itinerary. Be sure that your airline has your e-mail address and phone number, advises Rick Seaney, CEO of airfare tracker FareCompare.com. If you didn't provide this information when you purchased the ticket, go online and add it.
Follow your airline and airport on social media. Many airlines and airports post the speediest updates to their Twitter feeds, so start following them now. Sign up for airline alerts to get flight updates e-mailed to your smartphone.
If you're stranded, multitask. Get online, get on the phone and get in the ticketing line (if you're already at the airport). With thousands of flights delayed or canceled, competition will be fierce for seats when operations start humming again. Get airline apps for your phone and try to contact your airline on Twitter, Seaney suggests.
Elite fliers should use their loyalty program hot lines and head to frequent flier lounges for better access to airline reps. "This might be the time to spring for a lounge day-pass just to gain access to these folks," Seaney wrote in an e-mail.
Use the Next Flight app and type in your city pair to get the next flights for the major airlines, suggests Benet J. Wilson, Aviation Queen travel blogger. Then, call the airline on your cell phone and give them your preferred options.
Charge your devices. Hopefully, you're not among those travelers stranded at the airport, where jockeying for electrical outlets is inevitable. Charge up before you head out, and keep a car charger and a power pack or a few battery chargers for your portable electronic devices handy.
Check your flight, no matter where you're going. Think you don't have to worry about bad weather because you're flying from sunny California to sunny Florida? Not so fast.
"Because airlines operate networks, a storm affects not only flights in its immediate location but even those in far-removed locations not affected by the storm," said Cynthia Barnhart, an MIT engineering professor who teaches airline schedule planning.
Check your aircraft's journey on your airline website or with an app like Flight view.
Don't be a jerk. "The airline representatives did not make it snow," Seaney reminds travelers. "We've heard many anecdotal stories over the years from airline representatives who tell us it's a lot easier to find a good flight for a pleasant passenger than for one who is screaming at you."
Use common sense: Don't drive into a storm. It's treacherous out there. Monitor your local and regional forecasts, and don't drive if you don't have to.
AAA advises motorists to check tire pressure and make sure car batteries, cooling systems and antifreeze levels are in order. Keep gas tanks close to full, the automobile association advises, so that you'll be able to run the engine for heat in case you get stranded.
AAA suggests keeping the following items in your car: a shovel and a bag of sand, a snowbrush and ice scraper, jumper cables, a spare tire, windshield wiper fluid, a cell phone and car charger and blankets, gloves, hats and food, water and essential medication.


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Qualia Multi-Purpose Theme – PageSpeed Score 83:70
Theme Created: 2013-11-23 Full Theme Description DEMO
Qualia is a highly customizable multi-purpose WordPress theme with powerful exclusive animation and portfolio modules. This theme allows to have up to 10 color themes combined together with unlimited color variations and to customize every theme detail.
See on mobile
See Responsive Design Test Online
W3C Validator
Validator performs the markup validation of HTML and XHTML documents and allows to evaluate the technical quality of web page code. It is important for browser compatibility and site usability.
Result of Home Page validation: 34 errors
Performance evaluation via PageSpeed Insights on Desktop and Mobile Device
Analysis was done for the Home Page of theme demo.
PageSpeed Insights fetches a site with a webkit renderer that emulates both mobile and desktop devices and takes into account characteristics of mobile networks.
The results returned by the PageSpeed Insights API includes the following information: PageSpeed score, summary statistics for the page and PageSpeed results for rules based on general principles of web page performance.
1. PageSpeed score
The PageSpeed Score (0-100) indicates how much faster a page could be. A high score indicates little room for improvement, while a low score indicates more room for improvement. From the point of theme evaluating this characteristic shows how in the theme had taken into account the data processing, minification and optimal loading.
Desktop PageSpeed Score
Mobile PageSpeed Score
2. Page Statistic - Breakdown of page resources size
Number and total size of all requests
|Total size of all requests (considering the compression of HTML, text, CSS and JS resources)
|Number of requests
As we can see from graph and summary table:
- The amount of downloaded data for desktop and mobile devices is virtually identical (the difference is not over 10%).
- The page is too heavy - especially for mobile devices: mobile users may just close the site before the end of its loading.
- The number of requests for desktop and mobile devices is virtually identical.
3. PageSpeed results
PageSpeed analyzes web pages using rules based on main principles of web page performance and generates result for each rule. Following table shows results of the evaluation and recommendations for rules, which performance depends on the quality of the theme source code.
| Avoid landing page redirects
Theme has no redirects.
| Reduce server response time
Server responded quickly. There are dozens of potential factors which may slow down the response of server: slow application logic, slow database queries, slow routing, frameworks, libraries, resource CPU starvation, or memory starvation.
| Minify CSS
Compacting CSS code can save many bytes of data and speed up download and parse times.
| Minify HTML
Compacting HTML code, including any inline JavaScript and CSS contained in it, can save many bytes of data and speed up download and parse times.
| Minify JavaScript
Compacting JavaScript code can save many bytes of data and speed up downloading, parsing, and execution time.
| Eliminate render-blocking JavaScript and CSS in above-the-fold content
Theme has 1 blocking script resources and 8 blocking CSS resources. This causes a delay in rendering Theme.
| Optimize images
Properly formatting and compressing images can save many bytes of data.
| Prioritize visible content
You have the above-the-fold content properly prioritized.


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Outage Center
About Us
Contact Us
Report a Gas Emergency
: 1-800-634-3524
Report a Power Outage
: 1-800-464-7726
Always Call 811 Before You Dig
Start or Stop Service
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Add New Electric Line
Add Temporary Line
Relocate Electric Line
Upgrade Electric Line
Remove Electric Line
Add New Gas Line
Upgrade Gas Line
Relocate Gas Line
Remove Gas Line
Trade Ally Program
Frequently Asked Questions
Terms and Conditions
Request a Quote Online
Price Protection Services
Fixed Price Option
Capped Price Option
Making an Informed Decision
Service Agreement
Frequently Asked Questions
Enroll in PPS Online
NIPSCO Choice
Choice Suppliers
Choice Residential Plans
Choice FAQs
Glossary of Terms
Choice Calculator
Call 811 Before You Dig
Streetlight Outage
Dusk To Dawn Streetlights
Trees & Power Lines
Tree Pruning & Removal
Tree Planting Tips
Award Winning Program
Authorized Contractors
About Our Meters
Automated Meter Reading
AMR FAQs
How To Read Your Meter
Clear Access To Meter
Gas Meter Inspection
Green Power
Green Power FAQs
Renewable Energy Credits
Share Your Green
Renewable Energy
Net Metering
Feed-in Tariff
IN-Charge Electric Vehicle Program
Electric Vehicle Basics
Builders & Developers
Builder Request
Builder Checklist
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Developer Request
Developer Checklist
Builder/Developer Updates
Service Pledge
Commercial & Industrial
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Helpful Equivalents
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Contact Us
NIPSCO Alerts
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Energy Load FAQs
What is a kilowatt (kW)?
One kilowatt equals 1,000 watts.
What is a kilowatt hour (kWh)?
The energy consumed by the use of one kilowatt of electricity for one hour.
What is electric demand?
Electric demand refers to the maximum amount of electrical energy that is being consumed at a given time, measured in kilowatts.
What is power factor?
Power factor is the ratio of working power to total power. Low power factor is caused by inductive loads (such as transformers, electric motors, and high-intensity lighting), which are a major portion of the power consumed by industrial complexes. Unlike resistive loads that create heat by consuming kilowatts, inductive loads require the current to create a magnetic field, and the magnetic field produces the desire work.
The total power required by an inductive device is composed of:
Working power, measured in kilowatts
Non-working power caused by the magnetizing current required to operate the device, measured by kilovars
The nonworking power required by inductive loads increases the amount of total power in your distribution system, resulting in a lower power factor.
How does a facility improve its power factor?
There are a number of ways to improve power factor, including
Minimizing operation of idling or lightly loaded motors
Avoiding operation of equipment above its rated voltage
Replacing standard motors as they burn out with energy-efficient motors
Installing capacitors
What is an interval data recorder (IDR) meter?
An IDR is a meter that is capable of measuring and recording energy usage at specific time intervals, providing owners and managers insight into their facilities' electricity usage so they can better manage overall costs.
Why did NIPSCO file the electric rate case?
Since NIPSCO's last base rate increase 21 years ago, the cost to produce and deliver electricity has gone up, while customers' base rates have remained unchanged. The rate increase will allow us to maintain our facilities and equipment and increase generating capacity to ensure we can continue to provide safe, reliable energy to meet the increasing demand.
What is load factor?
Load factor is the ratio of the average energy use in kilowatts during a designated period to peak energy use in kilowatts occurring during that same period. If all electric loads are turned on fully and never turned off, this would be a load factor of 1.0. Load factor can be calculated using the following formula:
Load Factor = monthly kWh / monthly peak KW demand X (days of the month) X 24 hours
Demand rate structures are designed to reward customers for operating with a high load factor.
What is the importance of load factor?
NIPSCO must balance its generation and transmission capacity to ensure it can meet a customer's peak demand for electricity at all times. Since load factor is an expression of how much energy was actually used compared to peak demand, a demand rate customer can reduce the average cost per kilowatt hour by improving their load factor by reducing their peak demand. Controlling load factor is one way demand rate customers can control electric costs.
How does a facility improve it load factor?
Lowering a facility's peak demand is a key step to improving load factor and will reduce the amount paid per kWh for electricity for customers on a demand rate structure. Look at how and when you use electricity to find possible ways to control your load factor. Install higher efficiency lighting or air conditioning. Scheduling or staggering large electric loads so they don't start up at the same time may also help.
Customer Feedback
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So what are your best places for some romantic shots?
here is my list:
Thatcher Park
Christman Sanctuary
Frenchs Hollow
I have just returned from my first trip to Campobello Island and have to say that it is a fantastic spot for photo taking. I was able to shoot four light houses and several coastal shots from the Island. There are drivable trails all over the Island along with a lot of walking trails. A must do if...
Cascade Range is a mountain range in Essex County in the state of New York (NY). Cascade Range climbs to 2,792 feet (851.00 meters) above sea level. Cascade Range is located at latitude - longitude coordinates (also called lat - long coordinates or GPS coordinates) of N 44.230326 and W -73.86181.
is the twenty-seventh highest peak of the High Peaks Region in the Adirondack Park in New York, USA. The peak was named for the prominent steep cliff that rises to its summit. Because it is relatively close to trailheads and because it offers a close view of the nearby Great Range, Big Slide is a...
at 5,344 ft (1,629 m), is the highest mountain in the Adirondack Mountain Range and the highest point in New York State. It is a popular destination for hikers due to its stature and great views, and the peak can get very crowded in the summer months. The mountain is located in the heart of the...
Excellent location with spectacular views... Thatcher Park has tons of photo opportunities as well as picnic, dayhiking, swimming pool activities.
*From the NYS site:*
John Boyd Thacher State Park, is situated along the Helderberg...
This is a great railroad trestle, spillway, and scenic swimming and fishing area. Lots of photo ops here.
The following map is for a resturant, not the photo spot. If you look above it on the map, you see a missing bridge across the water on French's Mill Road... there is a foot bridge there...
The Bed and Breakfast Registry has an excellent site that lists driving paths to see the fall foliage. They also have a page that lists the latest information on the status of the foliage so you can watch for the peak.
Here are a few lists of fire towers in NY. The towers themselves are a historical structure that provides a photo opportunity, as well as the views if you are able to go up in the towers. Note that some of the towers are no longer safe to climb, so make sure you check things out ahead of time and...
"This 600 acre preserve includes the area between Riverview Road and the Mohawk River in the Town of Clifton Park. A segment of the original 1825 Erie Canal and Towpath; a segment and a number of structures of the 1842 Enlarged Erie Canal; and the current N Y State Barge Canal are accessible within...
This is a big list of Round Barns in New York, organized by county, with directions to each.
This is a great list of the covered bridges in NY State, by county, with directions on how to get to them.
A great location for Macro, flower and rock garden portraits, statues, fountains.
The gardens are on the Yaddo estate in Saratoga Springs NY.
They are open from 8am until dusk every day, admission is free.
Directions are as follows.
From the City of Saratoga Springs:
Proceed east from...
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Let $d_r$ be a divergent series of positive terms and let $s_r = \sum_{i=1}^{r}d_r$. We are interested in the sequence of numbers $S_{d_r} = s_1, s_2, \ldots$. For example if $d_r = 1/r$ the $s_r = H_r$ and $S_{1/r}$ is the sequence of the harmonic numbers. Similarly when when $d_r=1$ for all $r$, we have $s_r = r$ and $S_1$ is the sequence of natural numbers. The sequence of natural numbers contains primes and in terms of our notation, we can state this fact as when $d_r=1$ for all $r$ the sequence $S_1$ contains primes. With this background, we can us consider primes in the sequence of natural numbers as primes of the simplest order $d_r = 1$. In general we define primes of the order $d_r$ as follows.
Definition: If there exists a $d_r$ such that the following conditions are satisfied:
i) there is at least one $i$ such that $s_i$ is not divisible by any of the numbers $s_1, s_2, \ldots s_{i-1}$.
ii) there is at least one triplet $(j,k,l)$ such that $s_j = s_ks_l$
then $s_i$ is a prime of the order $d_r$ and it is present in the sequence $S_{d_r}$.


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I read your review on nina ricci's liberty fizz - i used to wear it years ago and im just wondering if you know where i can buy it in the UK? I havent seen it about!
Basenotes is an online guide to perfume and fragrance, featuring news, a database of fragrances, perfume glossary, fragrance forums, user reviews and more.


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Couple falls victim to abduction scam: Here's how to protect yourself
The couple were duped into believing one another had been kidnapped
The couple were duped into believing one another had been kidnapped
The couple were duped into believing one another had been kidnapped
A New Hampshire couple fell victim to a sophisticated abduction scam this week that had them fearing for each other's safety.
The couple, who asked not to be identified, each thought the other had been kidnapped. Believing that the life of their loved one was in danger, they lost thousands of dollars to the scammer.
"It was so well orchestrated on their end," the man said. "The technology and the ability they had to inflict terror upon us."
The two said they each got a phone call Wednesday afternoon saying that the other one had been in a car crash and had been kidnapped.
"Absolute fear and terror," the woman said. "They were very specific that there was a verbal altercation at the accident site. That they had pulled this individual out of the car at gunpoint. They were holding him hostage in a basement. That I was responsible for his life or death."
Hudson police said the woman was told to wire money to save him, first from a Walgreens and then from a grocery store in Merrimack. Her boyfriend made two trips to Wal-Mart in Hudson to send money to save her.
They were convinced it was real because at times, they could hear each other's voices, and the scammers seemed to know exactly where they were.
"You couldn't hang up the phone," the woman said. "You couldn't put down the phone. It was as if someone was in the back seat with you. They knew which exit I took."
"They kept on saying over and over again, 'If you call the police, she's dead. If you call the police she's dead,'" the man said. "They're so well versed on what they do that they know every word there is to manipulate you."
Through a series of events, police became involved, and the man and woman learned that the other was safe. They lost about $4,000 and said they wanted to share their story to warn others.
"They knew it to a T -- what buttons to push and what to say to you," the man said. "And any of us in this room, if they tell you they have your girlfriend, your neighbor, your friend, whoever, and that they're going to torture them and kill them, you're going to do whatever they say."
Police said there are ways to recognize a scam:
- Calls are usually made from an outside area code, but the scammers will often spoof caller ID to appear to come from a local or known number.
- The scam might involve multiple phone calls.
- Scammers go to great lengths to keep the victim on the phone.
- Callers try to prevent the victim from calling or locating the "kidnapped" victim.
- Ransom money is only accepted via wire or online transfer.
They offered tips for anyone who gets such a call:
- Stay calm. Try to slow the situation down.
- Avoid sharing information about yourself or your family during the call.
- Request to speak to the victim directly. Ask, "How do I know my loved one is OK?"
- Request that the kidnapped victim call back from his or her cellphone.
- Listen carefully to the voice of the kidnapped victim if they speak, and ask questions only they would know.
- If the callers don't let you speak to the victim, ask them to describe the victim, what they are wearing, jewelry or other small personal details only someone with them could know, or describe the vehicle they drive, if applicable.
- While staying on the line with alleged kidnappers, try to call the alleged kidnapping victim from another phone.
- Attempt to text or contact the victim via social media.
- Attempt to physically locate the victim.
- To buy time, repeat the caller's request and tell them you are writing down the demand, or tell the caller you need time to get things moving.
- Don't directly challenge or argue with the caller. Keep your voice low and steady.
- Contact local law enforcement through 911 or the FBI.


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"French historical reenactment" might not automatically sound like an exciting day out, but fighters dressed as gladiators pummeling each other into submission for real? Let's just say this could be the most visceral history lesson you'll ever get to watch. On Dec. 15, French troupe Histore'Event brings "Spartacus and the Roman Legion" to the Equestrian Center in Burbank.
"The first part of the show deals with the real story," says Olivier Brocard, who plays Spartacus. "So we have the revolt of Spartacus, the way he grows his revolution and began to fight against the Roman legion, and then the legion finished to kill him and to erase the revolution.
The second part of the show is our specialty: gladiator fights. It's real fighting, like you can see in the UFC or MMA — that's why we're training every day. There is interaction with the public because we don't know who will win. The public will decide, like 2,000 years ago, if we have to die or live."
The dying is fake, but that's the only thing about the fighting that is — depending which performers are the better men on any given day, the outcome could be completely different. And there are two shows — Dec. 15 and 16 — so after taking a beating, these guys have to get right back up and prepare for another round.
In case you were wondering, this isn't your typical MMA fight — they do use weapons, "but it's blunted. It's steel, but it can't cut," says Brocard. And their fighting styles are historically researched, part of a process they dub "archaeological experimentation."
Just don't go in expecting anything like the "Spartacus: Blood and Sand" TV series. Says Brocard: "It's a good TV show, very good to see, but historically it's very, very bad. It has nothing right about history." And sorry, Stanley Kubrick fans — he gets low marks for authenticity in his classic movie, too: "This is Hollywood's vision of what gladiators was, but it's not real."
Among the movie and cultural cliches the troupe hopes to demolish is the idea that gladiators always fought to the death. In fact, many lived into their 60s and became referees, whose job it was to ensure the men didn't kill each other right away, but rather put on a good show. And since many were slaves treated as property, killing a rich man's gladiator was akin to stealing from him, and punished accordingly.
"In this period, gladiators are considered like football players," says gladiator reenactor Aurelien Nouge, whose background is in Thai boxing and MMA. "He could win a lot of money, and all the stuff like in a modern sport."
And like today's UFC bouts, the contests were one-on-one (though Nouge adds that getting hit with a shield hurts way more than with a fist); scenes of a lone warrior against a horde are yet another movie invention.
So what about when Russell Crowe had to fight a tiger in "Gladiator"? "They got something wrong and something right," says Nouge. "Gladiators don't fight against animals, but in this period, some people — the hunters — fight against animals. But it's another thing, not gladiators. It was in the morning; in the afternoon was the execution of the criminals, and then after, the apogee is the gladiator fight."
With all the talk of real combat, one's mind may wander to the safety of the horses being used, but have no fear — they're just in the first half of the show, safely guided by riders who do not fight while atop them. "This show is as good for adults as for children," says director Mickael Durand. "It's important to focus on that, because some people are thinking it's too violent, but no. There is a lot of commitment in the fight, but no blood, nothing like that."
If these shows continue to succeed as they have with European crowds, the idea is to set up an entire fighting league with a historical theme.
For fight fans, this seems like the perfect excuse to bring along your family under the guise of an educational trip. Now if they could only figure out a way to add fighting to other subjects we got bored of in school, like calculus.
L. THOMPSON writes about film and pop culture for Marquee.
What: "Spartacus and the Roman Legion"
Where: Equestrian Center, Griffith Park, 480 Riverside Drive, Burbank
When: Dec. 15 and 16, 3 p.m.
Tickets and info: (818) 840-9066; spartacus-and-the-roman-legion.brownpapertickets.com


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Xerox® ColorQube® 8570/8870
ColorQube 8570
Xerox Security Mini Bulletin XRX15AO_V1.1 (PDF 210.5K)
This software release fixes many minor security issues on ColorQube 8570/8870 including Poodle, OpenSSL MitM and Heartbleed.
Xerox Security Bulletin XRX12-003 v1.1 (PDF 185.5K)
NOTE: We are re-issuing this bulletin due to a spelling error of the name of one of the researchers. No technical content in the bulletin has changed.
Vulnerabilities exist that, if exploited, could allow remote attackers to insert arbitrary code into the device. This could occur with a specifically crafted Postscript or firmware job submitted to the device. If successful, an attacker could make unauthorized changes to the system configuration; however, customer and user passwords are not exposed.
As part of Xerox's on-going efforts to protect customers, the ability to accept these specially crafted jobs can be disabled for the affected products listed in the bulletin. Links for the software needed are contained inside the bulletin.


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inc GST
Flat Pack Delivery
99% of flat pack orders will be delivered within 48hrs. However if you are tight on time it is always worth checking with us as certain products do have to be shipped interstate and can cause delays
Delivery and Install
If you need it faster, just ask! We are 'Yes' people and if you need something quicker we'll work overtime to get it done.
Our delivery and install team operates on lead time between 2 to 10 days. On really big orders or custom work time frames can get pushed out. So its always worth checking with one of our friendly staff members. Also if you need a specific date, just let us know and we'll get it sorted.
Need a chair but can't make it to a showroom to try one out?
Not to worry! We have a flexible return policy on all our office chairs. This includes the shipping costs both ways. If you're not happy with the purchase, simply return it within 10 days of receiving the items. No questions asked, no cost to you! 100% full refund.
Please note, this is for 1 chair at a time.
Desking, Storage and Everything Else
At Danny's Desks and Chairs, our policy is simple. If you are not 100% satisfied with your purchase, we will refund you in full, including shipping both ways on all single desk purchases.
Though the following criteria must be met
A full refunded cannot be provided if:
1) Product has been assembled.
2) Original packaging has been discarded.
3) Item is returned damaged.
If one of the above occurs, a restocking fee of 30% plus the return postage will be charged and deducted off the refund total.
*management reserves the right to refuse refunds.
This Product is guaranteed for a period that can be found in the product overview
What does your warranty cover
At Danny's we take pride in our warranties. Our aim is to have you in a chair or at a desk working soundly for the entire life of the product. So if there are any issues with any of our products that effects its ability to do its job we'll fix it. For full details please see our FAQ page.
We Fix it ourselves
Occasionally something goes wrong and you may need to claim on your warranty. Not to worry we have our own dedicated team and that specialises in getting you back up an running in no time. .


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If for some reason your notebook fails to boot and you need to access data on the hard drive (I assume there is nothing wrong with the hard drive itself), you can use an external USB enclosure. This method is very simple and could be very useful when you need an emergency access to your data on the hard drive.
First of all you'll have to buy an external USB enclosure for notebook hard drives. These enclosures are inexpensive and usually you can buy them in any local computer store. You also can find a wide variety of external enclosures on the Internet. Make sure to buy a correct one, enclosures for ATA and SATA hard drives are different (the connector inside the case will be different). Usually the enclosure includes the case and the USB cables.
Now remove the hard drive from the laptop. For this example I'm using an ATA hard drive.
Open up the enclosure case and connect the hard drive to the connector inside. After that insert the hard drive into the case.
After everything is assembled, you are ready to connect this device to any working computer (notebook or PC). The enclosure cable usually has two USB connectors on one end, make sure both of them are connected to the computer. You don't need any external power supply for the enclosure because the hard drive gets power through USB ports. If the computer you are connecting the enclosure to runs Windows 2000 or higher, you will not need any device drivers. As soon as you connect the enclosure to the computer, the external hard drive should be detected and recognized automatically. After that the external hard drive will appear in My Computer and you can access it as any other hard drive in the computer.
If you are getting "Access denied" message when you are trying to access your files on the hard drive, you'll have to take ownership of a file or folder.
My previous post explains how to connect a notebook hard drive to a desktop PC via IDE hard drive adapter.


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April 29, 2006
CAMBRIDGE, Mass. - The Engineers finished third in the eight team field on Saturday at the 2006 New England Women's and Men's Athletic Conference (NEWMAC) Outdoor Track and Field Championship. The women's squad from Wheaton added an eighth consecutive crown to its resume with 211.50 total points to outlast Springfield College (155.50). MIT (141) was led by freshman Emily Hwang and junior Chi-Fong Wang.
Hwang built on her recent success in the pole vault with a mark of 11-01.00 to take first place. Wang was also impressive as she closed out the meet on a good note with the top throw of 129-00 in the javelin.
The competition was highlighted by three multi-event winners. Freshman Chizoba Ezeigwe and junior Jennifer Harlow combined to win four events for Wheaton. Ezeigwe outran her opponents in the 100 (12.30) and 200 meter dash (25.79). Harlow set first place marks in the 100 hurdles (15.23) and the high jump (5-02.00), helping to secure Wheaton's championship win.
Also with two top performances was Smith College senior Katie Walters-Krohn, who repeated in both the shot put (40-00.25) and the discus (120-03). Although Springfield came up short of champion Wheaton, Pride freshman Silvienne Krosendijk provided one of the day's highlights with a record-setting first place mark of 18-11.25 in the long jump.
MIT is back in action next weekend at the New England Division III Championship in Springfield, Massachusetts.
NEWMAC All-Conference First Team
Emily Hwang - Pole Vault
Chi-Fong Wang - Javelin
NEWMAC All-Conference Second Team
Rachel Niehuus - 800, 4x400 Relay
Betsy Eames - 10,000
Leanne Veldhuis - 400 Hurdles, 4x400 Relay
Alisha Schor - 3,000 Steeplechase
Andrea Bradshaw - 4x400 Relay
Ericka Erickson - 4x400 Relay
Christine Fanchiang - Pole Vault
Aline Thomas - Shot Put, Hammer Throw


text: Il Saturday 23 February 2008 09:14:44 Adam Nielsen ha scritto: > Hi everyone, > > I'm currently setting up a new server that will (among other things) > record TV shows for me. In the past I've used cron to schedule > recording jobs, and I've used dvbrecord to do the actual recording. > > This set up has served me well for many years, but unfortunately > dvbrecord doesn't seem to exist any more, and it never supported > programs with AC3 audio anyway (which is pretty much all the HDTV > channels here in Australia.) > > If you were setting up a headless machine to record TV shows, what > programs would you use to do this? Ideally I'd like the shows dumped > into a local directory, so that I can watch them over NFS with mplayer, > but I'm open to alternatives. > > I really want to avoid running a whole "media centre" program like > MythTV, VDR, etc. as I'd like this to be lean and clean and I don't mind > using the command line for playback. > > Any suggestions? I'd be happy to document the final system, > installation, configuration, etc. on the LinuxTV wiki, as I couldn't > find any info about this sort of thing on there at the moment. > > Many thanks, > Adam. > there used to be dvbd somewhere sometimes, although I can't say how it works because I never used it


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Before you start, make sure the surface is clean. Wipe off excess oil and grease spills from the concrete surface. Scrape and sweep away dirt and loose contaminants from the surface.
Apply a thick layer of a concrete paint stripper to the surface by using a paint brush or bristle broom. Distribute evenly.
Most coatings take between 1-6 hours to lift. Check periodically during the waiting period to ensure that the coating is completely covered with the paint stripper. If the coated surface becomes visible again, re-apply a light coat of paint stripper. It should remain wet and active until the coating wrinkles.
Use a scraper or pressure washer to remove all coating and residue. Rinse thoroughly with water to remove all chemical residue before re-coating. Prevent all rinse solution from entering storm drains.
Use a cleaner and etcher product to clean your concrete surface. Use a plastic watering can to evenly distribute the product.
Spread the cleaner & etcher using a stiff bristled, non-metal brush or broom. Allow the product to remain on the surface for 10-20 minutes then scrub vigorously using the broom.
Ensure the cleaner and etcher does not dry on the surface. Lightly mist the surface with water, if needed, to keep it wet.
Thoroughly rinse the concrete surface with clean water using either a garden hose with a high-pressure nozzle or a pressure washer. Prevent all rinse solution from entering the storm drains.
The surface is ready for priming when it feels like medium-light grit sandpaper and no residue or loose concrete remains. Excess residue may interfere with the adhesion of the coating. Check for dust or powder on the surface by wiping your hands over the surface. If residue is visible on your fingers, repeat the rinsing step.
Once the surface is cleaned and etched, apply the bonding primer to enhance adhesion. Apply using a high-quality pump sprayer, 1/4 - 3/8" nap roller, nylon-polyester brush or pad applicator.
The bonding primer will dry to the touch in approximately 2 hours. Use the bonding primer when air and surface temperatures are between 50-90 degrees F. Wait at least 4 hours but before 30 days to apply the topcoat.
The surface is now ready for the topcoat.


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PM 21-06-10-a
End the SNAP sanction if the client becomes exempt. If the client complies during the sanction period, they must serve the entire period of the sanction as appropriate, (see PM 21-06-10-a ).
After the end of the sanction period, the person may qualify for SNAP benefits if:
(FCRC) Complete the following items on the current Form 552 to return a person to active status:


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Environmental Politics & Governance
A graduate degree offered through the Institute for a Sustainable Environment prepares the next generation of environmental and energy policy analysts and experts who understand the complex socioeconomic and political processes that inform environmental outcomes — including the allocation of federal funding of environmentally-related research and the development of science-based environmental policy while taking into account the actions and interests of private sector firms and non-governmental organizations in the environmental arena.
Environmental quality is a function of complex and interacting biological, chemical, physical, and technical systems.
The way we understand the functioning of these systems and attempt to manage them to improve environmental outcomes are through social, political, and economic institutions and processes that include policy-making, funding, and voluntary action.
Clarkson's new interdisciplinary M.S. Degree in Environmental Politics and Governance (MSEPG) provides a unique graduate experience in environmental management. Politics refers to the study of the functioning of government at all levels, and the use of strategies and maneuvers to further an interest in a political, social, or economic outcome. Governance refers to the development of policy within the public and private sectors, including for-profit and not-for-profit organizations, and other interested parties.
The goal is to prepare individuals who understand and can successfully negotiate the complex process of policy making in order to promote science-based environmental policy regulations, including energy policies and decisions.
Environmental Politics and Governance (EPG) is administered by Clarkson's Institute for a Sustainable Environment, whose mission is to develop, foster, and enhance innovative, cross-disciplinary research and educational activities at the forefront of environmental investigation. Interdisciplinary groups of faculty affiliates associated with the center will advise students.
The ISE degree programs provide a flexible framework for students to develop course combinations and pursue research projects that fit their individual interests and needs.
For more information contact us
Martin Heintzelman
Institute for a Sustainable Environment Graduate Committee Chair
8 Clarkson Ave.
377 Bertrand H. Snell Hall
Box 5790
Potsdam, NY 13699
Phone: 315-268-6427
Fax: 315-268-3810
E-mail: firstname.lastname@example.com
Graduate Fellowship Opportunities
International Students:
See the International Students and Scholars (ISSO) website for more information on being an international student at Clarkson!


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May 4, 2008
NEW LONDON, Conn. - One week after securing an unexpected team title at the NEWMAC Championship, the men's track and field unit maintained its seed with a second-place finish at the New England Division III Championship. MIT secured just enough points to keep Coast Guard at bay while Williams pulled away for the team crown.
The Engineers began the two-day competition with a tremendous effort in the 10000-meter run. Joseph Roy-Mayhew closed fourth overall in a hotly contested finish behind a time of 31:35.61. Chris Wong finished sixth in the race in 31:54.31 and Brian Jacokes grabbed seventh in 32:10.97, while all three competitors set personal records.
MIT also turned in a great effort in the long jump during Friday's action. Sophomore Stephen Morton carried over his leading performance from trials en route to a new personal best and first-place finish with a jump of 23'8". Senior Anthony Teixeira jumped 21'9" in finishing third.
Saturday began well for MIT as James Oleinik authored the second individual win of the weekend with a toss of 49'8.5" in the shot put. Meanwhile, Vlad Sobes threw 186'7" to finish fourth overall in the javelin.
The first events on the track yielded success for the Cardinal and Gray as MIT received great efforts from Paul Welle, who finished fourth in the steeplechase (9:29.39) and Jake Ruzevick, who finished seventh in the 1500m with a seventh-place time of 4:00.62.
In the sprint hurdles, Teixeira placed fourth with a clip of 15.44, although Tex had set a personal best during prelims after blazing to 15.10. Teammate Omari Stephens finished sixth in the event with a time of 15.77.
After the hurdles, Stephens went back to work in the pole vault where he finished second (15'1"). Greg Tao knocked Stephens from the top spot after winning the vault for the second straight week with a clear of 15'5" while Patrick Barragan capped a strong event for the Engineers with a fifth-place finish.
MIT closed out the scoring in the triple jump and 5000m. Rookie Mattias Flander paced the Engineers in the triple jump after finishing fourth with a leap of 45'3.75" while Roy-Mayhew capped a great weekend by finishing sixth in the 5k with a final split of 15:12.95.


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This publication is designed to provide the quality practitioner, engineer, and other technical personnel with a comprehensive description of the methodology associated with bringing critical product and process characteristics into a state of control and capability. The methodology is divided into four basic sections, and the procedures to be employed are presented on a series of flowcharts.
While the flowcharts are generally self-explanatory, a significant amount of understanding as related to industrial statistics and experimental design on the part of the reader is assumed. This manual, in fact, serves as a capstone document for the Experimental Design and Industrial Statistics series offered by The ROI Alliance.
|Steven M. Ouellette's new book, Business Performance Excellence, is now available!
Read the Press Release