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Start Banking Conveniently From Your Smartphone by Simply Downloading Our Mobile Banking App Below.
As part of the online application process, we will ask you to provide personal information, such as your Social Security number, date of birth and current and former mailing addresses. In addition, you will need a copy of a valid form of ID: US Driver's License, State ID, Military ID, or Passport. In addition to providing a copy of your valid ID, you will be asked to complete, sign and return your signature card to Heartland Bank.
Mail the above mentioned documents to the address below, or drop them off at your local office:
Heartland Bank
Client Services
850 N. Hamilton Rd
Gahanna, OH 43230
Heartland Bank will be closed in observance of the following holidays listed below:
Mobile Banking logins and passwords will adopt the stronger security requirements currently in place for Online Banking offering the added convenience of maintaining only one set of credentials for both systems.
When using the Heartland Bank Mobile App, you can now enjoy the safety, security and convenience of depositing checks directly into your savings account.
Mobile Deposit Auto Capture provides real-time, on-screen feedback while positioning your device to capture a suitable image of your mobile deposit.
You will no longer have a separate login and password for Mobile Banking. Simply use your Online Banking login /password to access your account information using Heartland Bank's Mobile Banking apps or Mobile website.
Log in to Online Banking, under the main menu, click Preferences > Change Login Id. On the Change Login Id screen, enter your New Username, enter your New Username again then click Save. On the Confirm Change Login Id screen, you are required to use a One Time PIN (OTP) code to complete the change. Select how you want to receive the OTP code and click Send OTP. Once the OTP code is received, enter the code then click Confirm to complete the change.
Logins are alphanumeric with a minimum length of 6 characters and maximum length of 30 characters and NO special characters.
Log in to Online Banking, under the main menu click Preferences > Change Password. On the Change Password screen, enter your current Password, enter a New Password then enter the New Password again to confirm then click Submit. On the Confirm Password screen, click Confirm to complete the change.
The Change Password option was removed from the Mobile Banking menu. Please log in to Online Banking to change your Online Banking/Mobile Banking password.
Yes, Heartland Bank's Mobile Banking app can use the Touch ID security if you have Touch ID enabled on your mobile phone.
Make sure the Remember Username option is enabled on the login screen of Heartland Bank's mobile app.
Micro Deposits are automated processes used to verify external account transfer capabilities. These external accounts are verified by an initial transfer of two small "micro" deposit amounts over two or three days. This process allows the customer to verify and add external accounts safely without having to contact the Financial Institution directly.
External Accounts are checking or savings accounts that are owned by you at another financial institution. Retail customers can manually add their checking or savings accounts held at other Financial Institutions to Online Banking by supplying the exact ABA routing number, account number and account type. Micro Deposits are sent to the external account for verification. This service is not intended for one person to pay another. Those transactions should use the existing PopMoney feature.
Micro Deposits are automated processes used to veryify external account transfer capabilities. These external accounts are verified by an initial transfer of two small "micro" deposit amounts over two or three days. This process allows the customer to verify and add external accounts safely without having to contact the Financial Institution directly.
In Online Banking under the Transfer > Recipients menu, click the Add a Recipient button.
Click the button next to An account at another bank or credit union then click Next.
Accept the Terms & Condistions disclaimer by clicking Agree.
Read the An Account at Another Bank message box explaining the micro deposit process then click Continue.
Enter the information for each required* field and check the box next to the option(s) you want, then click Create.
Access your external account and write down the two micro deposit amounts. Return to your Heartland Bank Online Banking and click the Transfer > Recipients tab to view the Manage Recipients page. Click the "verify" link next to the external account you wish to verify. Enter the two micro deposit amounts in the "Amounts" fields and click the "Verify" button. If the correct amounts are entered, the external account will change to a verified status. If the amounts are incorrect, Online Banking will display a message and require you to repeat the verification steps. Note: You are allowed a maximum of 3 verification attempts.
You have 7 calendar days to complete the verification process.
The micro deposits will appear in your external account in 2-3 business days after the external account is set up in Online Banking.
One-Time Pin (OTP) is a layer of security to protect your account and mitigate any potential financial loss by fraud. A OTP pin is a system generated code that is required to complete certain types of processes or transactions. Every time you submit an external transfer request, you will be required to get and enter the OTP code. The first time you log into your Online Banking account, you are required to enroll in OTP to establish your desired options for receiving the OTP. The OTP can be sent as an automated call, text messages or email.
No, but you must enter your cell phone number during the OTP enrollment process to receive the OTP in a text message.
There is no fee for retail customers to transfer funds to/from an external account. Authorized Business customers will be charged a $5.00 per transfer fee when transferring funds to/from an external account.
Retail customers transaction limits for external transfers are $750/transaction, $750/day, $1,500/week and $2,000/month. Authorized business customers transaction limits for B2B transfers are $2,500/transaction, $2,500/day, $5,000/week and $10,000/month.
External transfer limits are reset on the first day of every month.
External transfers are generally completed on the 2nd business day following the submission date. (i.e. If you request the external transfer on Monday, your transaction should be completed by Wednesday.)
You can use your new chip card anywhere Visa is accepted. You simply insert the card into card terminals that are chip-enabled or swipe your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments and telephone payments.
No. Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.
Chip cards contain an embedded microchip, which provides enhanced security by making it extremely difficult to counterfeit or copy when making transactions at a chip-enabled terminal. Your chip card will also have the usual magnetic stripe on the back so that you can continue to swipe your debit card or credit card while merchants are transitioning to new chip card terminals. Chip technology is also more broadly accepted internationally.
If you have recurring payments set up on your Heartland Bank Visa, it's your responsibility to ensure that merchants are informed and that you have a new card number, expiration date and the 3 digit security code.
Please don't hesitate to call us at 1-800-697-0049.
Just like any time you get a new card, activate the card by calling the number found on the sticker.
That's OK. You will still be able to use your chip card as you do today where chip-enabled terminals are not yet installed.
Yes. Chip cards are commonly referred to as EMV (Europay, MasterCard and Visa) cards, smart cards and chip and pin cards.
Heartland Bank does not require you to use a pin with your debit card purchase; however, the merchant could make it a requirement. If you do not know your pin, please call us at 800-697-0049 and we will assist you with obtaining your pin.
No. You have a Chip & Signature card, so you should not need a PIN to make purchases with your credit card. The term 'PIN' or 'Signature' simply refers to how you will authorize the transaction - by entering a PIN or by providing your signature. When using your Heartland Bank VISA chip credit card, you'll be prompted for a signature to complete the transactions.
Yes. The chip generates a unique, one-time code each time you 'dip' your Heartland Bank Visa card at a chip-enabled terminal - this typically takes about 10 seconds. Chip card technology is already used in other countries around the world. It's been reported that chip cards and chip enabled terminals are expected to reduce debit card and credit card fraud by as much as 40%.
Our Statement Backer is available for download for your convenience.
In Online Banking under the Transfer > Recipients menu, click the Add a Recipient button.
Click the button next to An account at Another Bank or Credit Union then click Next.
Accept the Terms & Conditions disclaimer by clicking Agree.
Read the An Account at Another Bank message box explaining the micro deposit process then click Continue.
Enter the information for each required * field and check the box next to the option(s) you want, then click Create.
A higher credit score may qualify you for a better interest rate and more options. We will determine if your credit scores and history shows that you have the ability to repay and are willing to repay in a timely manner. Perfect credit is not necessary.
Click here to apply for a credit card online.
You can pay your Heartland Bank credit card online or by mailing the payment to the following address:
P.O. Box 2711
Omaha, NE 68103-2711
Of course! Heartland Bank, founded in 1911, provides full service commercial, small business, and consumer banking services; alternative investment services; insurance services; and other financial products and services. Heartland Bank is a member of the Federal Reserve, a member of the FDIC and an Equal Housing Lender.
On our website, go to Personal menu and select Protect Yourself. Under the Trusteer section, choose Click here for more information.
Download our Switch Kit to get the process started and if you still need help, please contact your local Heartland Bank branch.
You should have a Trusteer Rapport icon in your browser's address bar. It will be a small box that is green or grey. For a webpage that is protected by Rapport, the icon will be green and for an unprotected page, the icon will be grey.
Windows Operating Systems - On Windows Vista, 7 (SP1), 8, 8.1, 10 and Server,
IBM Security Trusteer Endpoint Protection (Rapport) supports:
Mac OS X - From Mountain Lion (10.8) to Sierra (10.12),
IBM Security Trusteer Endpoint Protection (Rapport) supports:
Heartland BancCorp is a registered Ohio bank holding company and the parent of Heartland Bank. Heartland BancCorp is currently quoted on the OTC Markets (OTCQB) under the symbol HLAN.
You can make a payment on a Heartland Bank loan in any branch, by submitting a transfer through Online Banking or by mailing the payment to the following address:
Heartland Bank
Loan Operations
430 North Hamilton Rd.
Whitehall, OH 43213
Your payoff amount is how much you will have to pay to satisfy the terms of your loan and pay off your debt. Your payoff amount is different from your current balance.
For accurate payoff information, contact Heartland Bank's Loan Operations Department at 614-552-0511.
You can submit a loan payoff at any Heartland Bank branch, by submitting a transfer through Online Banking or by mailing the payment to the following address:
For the most accurate rate information, click here.
If the Rapport icon is no longer visible:
Trusteer Rapport is fully compatible with most other security software. However, some third party products require additional action to avoid conflicts. If you need assistance, please go to Trusteer.com/support and type the above question in the "Ask a question" navigation bar.
Normally, when you click a grey Rapport icon in the browser's address bar, you're presented with the option to protect the site you're currently browsing. If you are attempting to protect a site on Google Chrome and you receive an error type message, go to Trusteer.com/support/report-problem.
You must be enrolled in Online Banking to use the Online Bill Pay function. Not sure how to officially enroll? From our homepage, www.Heartland.Bank, click on the Enroll in Online Banking link in the blue Login Box and simply complete the application.
Click on Bill Payments and you'll be directed to the Payment Center. Click Add a Company or Person and follow the prompts.
Online Bill payments are guaranteed to arrive on time in the event that the "due date" you requested is at least five business days prior to the actual due date indicated on your bill and that all pertinent payee information has been entered correctly into the system.
Online Bill payments are guaranteed to arrive on time in the event that the "due date" you requested is at least 5 business days prior to the actual due date indicated on your bill, and that all pertinent payee information has been entered correctly into our Online Bill Pay system. In the event that a payment meeting these requirements does not post on time, you will be reimbursed for late fees/finance charges not to exceed $50.
The "due date" indicated on the system is the date that the bill is scheduled to arrive at its destination. There are two ways payments can be withdrawn from your account depending on who you're paying. In most cases, funds will be deducted from your account on the pay date you specify. For some billers, such as some small businesses and individuals, a paper check may be sent. In these cases, the money will be deducted from your account at the time the biller deposits or cashes the check. This is no different than if you had written a paper check.
We cannot guarantee that 100% of your payments will be sent electronically. Some billers cannot receive payments electronically. Keep in mind that whether the payment is sent electronically or as a paper payment, the service delivers the payment to the biller on the scheduled pay date.
The biller receives the payment on or before the scheduled pay date you specified. Some billers may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late.
All online payments can be canceled before they are processed (at least 5 business days prior to the requested due date). Once the payment has been processed, additional modifications are not possible. Procedures for payment cancellation are as follows: go to Online Bill Payment: under the Pending Payment List in the Payment Center, click the "Cancel" link located to the bottom right of the bill to be canceled. In the event the bill has already started processing or been processed, this area of the page will show "Processing" and changes are no longer allowed.
Yes, all payments made through Online Bill Pay will appear on your checking account statement, displaying the date and amount of the payment.
eBills are electronic versions of your paper bills that you can receive through Online Bill Pay. An eBill comes directly from the biller to your Online Bill Pay service. You can view balances, transactions and other statement information in an eBill. Then, you can pay your bill and print it securely online through Online Bill Pay.
eBills are available from many companies, but not all companies provide their bills electronically. When one of your billers provides you the ability to view your bills online, you will see an eBILLS invitation under the billers name and an eBills link to the bottom right of the biller's section indicating that eBills are available for this bill.
For detailed support relating to your particular browser, please visit Trusteer.com/support and type the above question in their "Ask a question" navigation bar.
Yes. There are no restrictions on cell phone carriers.
Frist, you must be enrolled in Online Banking. If you are, simply log in to Online Banking and select the Mobile Banking. Read and accept the disclaimer, complete the required information, then click "Enroll."
Log in to Online Banking and select Mobile Banking. Then make your choice as to "Disable" or "Un-enroll" from Mobile Banking.
Yes. If your mobile device is set up with SMS text message service, you can still interact with Mobile Banking through text messages.
Yes. Mobile Banking uses the same multi-factor authentication security as your Online Banking account. You will be asked to answer one of your Online Banking security questions every time you log in to Mobile Banking because most cellphone browsers can't store cookies.
Yes. Transfers made via Mobile Banking are immediate.
You can disable or un-enroll your Mobile Banking access from your Online Bank account by logging into Online Banking and selecting Mobile Banking.
"Un-enroll" will delete your Mobile Banking information from the system and you will be required to enroll again if you want to use the Mobile Banking feature. "Disable Mobile Access" simply disables the use of Mobile Banking, but retains your Mobile Banking information on the system. After you disable your mobile access, the button will change to "Enable Mobile Access" in Online Banking.
Please email us at email@example.com or call Client Services at 1-800-697-0049.
Deposits made via our mobile app are protected according to the highest financial industry standards. Security features include password protection, multi-factor authentication, internet firewalls and 128 bit encryption. Making a deposit with your phone is as safe as using Online Banking.
Acceptable cut-off times for Heartland Mobile Deposit are Monday-Thursday at 5:00 pm and Friday at 6:00 pm.
Mobile Banking's SMS text message service requires each account in Online Banking to have a nickname. If you have not named your accounts, you will need to in order to use this service. When creating nicknames in Online Banking, use only alpha and numeric characters. Keep them short as you will be using them to text.
Yes. The system will think the signature is part of the account nickname and return an error. Disable the text message auto signature feature before you send text inquiries to Mobile Banking.
No. Whether you text BAL or bal, you will receive a response with your account balance information.
Confirm that you sent your request to 469228. Be sure to check keywords and any additional information required (nickname, command, etc.).
To dispute suspicious items on your credit card, please call the Customer Service telephone number on the back of your card, 1-844-267-2744. Any other questions can be directed to the Heartland Bank Client Services department at 1-800- 697-0049 during normal business hours.
Enroll your credit card for Online Access by visiting our homepage and clicking the arrow in the Login Box to reveal the drop-down menu. Click Credit Cards and then click Submit. You will then be directed to the Credit Card login page. From there, simply look for the box that says 'Heartland Bank Customers, Enroll Now for Online Access'. Click 'Enroll' and you will be directed to the Account Authorization page and will be asked to enter your 16 digit account number from the front of your credit card. Follow the prompts to set up security information and your username and password.
To view your statement online, simply visit our homepage and click the arrow in the Login Box to reveal the drop down menu. Click Credit Cards and then click Submit. You will then be directed to the Credit Card login page. Follow the prompts to enter your username on the login page and then your password on the next page.
To pay your credit card bill online, simply visit our homepage and click the arrow in the Login box to reveal the drop down menu. Click Credit Cards and then click Submit. You will then be directed to the Credit Card login page. Follow the prompts to enter your username and then your password. Then complete the following steps:
Yes. UChoose Rewards® allows you to earn rewards for every net retail purchase you make with your Heartland Bank Visa consumer credit card. Brand-name merchandise, concert tickets and travel awards are available as your rewards accumulate. Visit www.uchooserewards.com to view the offerings.
To register for rewards, you must register the card through www.uchooserewards.com. This can be accessed through a link on our online credit card page. The first time you log on to the rewards site, you will need to set up a new log-in for access to this site, but going forward, the link will take you directly to your personal rewards site.
No. The uChoose Rewards program is free.
You can earn points at a rate of 1 point per $1 spent, and the rewards are listed onwww.uchooserewards.com. Through this site, you have the ability to receive statement credit in addition to redeeming points for gift cards, tickets and merchandise. You can also earn additional points through making purchases with featured retailers listed on the uChoose rewards site.
Once you register through the rewards site, points will be listed on the uChoose rewards site. You can gain access through your credit card online banking by clicking on the uChoose Rewards icon in the lower left portion of your account page or directly through www.uchooserewards.com.
Points are valid for three years from the date earned.
Yes, for the uChoose website only, you will need to re-register each time you receive a new card number. This doesn't apply to new cards issued with the same card account number.
You must first enroll in the uChoose rewards program before points will show up.
No. Points are automatically merged for joint accounts, but cannot be merged across multiple cards.
If you have points set to expire, these points will be indicated on the site 90 days before the expiration date.
You will earn 1 point for every dollar spent on your personal credit card.
Yes, points are earned immediately, but will not show up until you have registered through the rewards site.
You can inquire about your point balance through Client Services 800-697-0049, but you must redeem directly through the uChoose rewards website.
You will need to create a login on the uChoose rewards site to redeem points for merchandise or statement credits.
You can redeem points for a 1% statement credit beginning at 2500 points (Example 2500 points will be $25 in statement credit). You can begin redeeming points for catalog credit at 1000 points, or $10 in value.
Once a transaction is settled by the merchant, the points earned from the transaction will be available on the first business day of the following month.
If your card has been lost or stolen, you will be issued a replacement card and your points will be automatically transferred to your new card. Once you receive your new card, you will have to re-register your new card in www.uchooserewards.com.
Please call 844-267-2744.
Working with Visa, Heartland Bank offers consumers multiple layers of security for protection against fraud. Please review your monthly and/or online statement carefully and contact us immediately if you see any suspicious activity. We also offer a free mobile app through Card Valet that allows you to set real-time alerts, control card usage and make your card inactive on demand to help you monitor your card activity.
If we are notified that your card may have been compromised, Heartland Bank may reissue your card to you automatically. It is important to monitor your account activity and report any suspicious activity immediately. If you would like to have your card reissued for peace of mind, you may do so by calling 1-800-697-0049.
An eStatement is an electronic version of your statement with images available online via the Heartland Bank website, www.Heartland.Bank. You can view and print your statement from your computer.
You may no longer want to receive paper statements and realize that you prefer to receive your statements through our Online Banking system. Great reasons to go paperless:
Yes, you must have Online Banking access in order to view your e-Statements.
Select "Accept"
You can log in to view your eStatements at any time! Your eStatements will be available within 24 hours after your statement cycle ends.
No. eStatements are a free service once enrolled in Online Banking.
No. Once enrolled in our Online Banking, you will have immediate access to your eStatements.
Yes. Your eStatement is exactly the same as a paper statement.
Yes. Once you open the eStatement, you will be able to print your statement just like you print any document on your computer.
Popmoney allows you to Pay Other People (POP) anywhere, anytime, through the Bill Payments feature in Online Banking.
You can send money using only the recipient's email address, mobile number or bank account. First, you will be prompted to enter basic information:
Once you confirm the payment transaction, an email notification will be sent to the recipient with instructions on how to accept the payment.
Yes, once you are enrolled in Bill Pay, you will see a Popmoney tab for access to the service.
Yes, Popmoney displays the individual daily and monthly limit information for you.
$5.00 is the minimum payment.
As a security feature for payments of $100.01 or larger sent to an email address, the recipient is asked to verify ownership of their phone number when receiving and depositing the payment.
There are no fees to send or receive money.
The recipient has 10 calendar days to collect the payment. Email reminders are sent on the 3rd and 7th days.
If the payment is still unclaimed by the recipient at the end of the 10th day, you, as the sender, will receive a refund within 2 business days for the payment.
All Popmoney payments will be processed as next day payments when they are sent to an email address, mobile number or to a receiver who has automatic deposit enabled, provided that the payments are scheduled prior to 7pm PST (Pacific Standard Time).
Payments will debit your account on the scheduled Send Date, and the credit will appear in the recipient's account in 1-2 business days after accepting the payment.
If a payment is returned due to insufficient funds, a second attempt to debit the account will occur. If the payment is returned a second time, Popmoney and Online Bill Pay will be frozen, and you will receive instructions to call Popmoney at 855.237.7247.
From our homepage, www.Heartland.Bank, click on the Enroll in Online Banking link in the blue Login Box and simply complete the application
Just follow these easy steps:
Call Client Services at 1-800-697-0049 during business hours to re-set your Login ID.
Click on the 'Forgot Password' link in the Login Box on the home page of www.Heartland.Bank. A temporary password will be sent immediately to the email address on file.
Transfers between checking and savings accounts must be made before 8:00 p.m. EST to be included on that business day's transactions. Transfers made from a checking or savings account to a Heartland Bank loan account must be submitted before 4:00 p.m. EST to be included in that business day's transactions.
You should always review your account activity and recent transactions to be certain that they are yours. Verify that a single, unfamiliar charge is not an error by contacting the merchant. Report any suspicious transactions to us immediately at 1-800-697-0049 or by visiting your local branch. You can view your account statements online anytime at Heartland.Bank or via the Heartland Bank Mobile Banking app. You will not be held liable for fraudulent charges on your account if they are reported in a timely fashion.
Although card account data may be compromised in any incident, it does not mean that data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring the activity on your account and continuing to work to protect you from fraud. As always, please review your monthly and/or online statement carefully and notify us immediately if you see any suspicious activity.
If we are notified that your card may have been compromised, Heartland Bank may reissue your card to you automatically. It is important to monitor your account activity and report any suspicious activity immediately. If you would like to have your card reissued for peace of mind, you may do so by calling 1-800-697-0049.
If your card is identified as one that may have been compromised due to a data breach, a replacement card may be reissued to you. At your request, a new card can also be reissued as an extra precaution by calling Client Services at 1-800-697-0049. There is no charge to have your card reissued.
If you receive a new card due to a data breach, you should choose a new PIN on the reissued card as an added layer of protection.
Working with Visa, Heartland Bank offers consumers multiple layers of security protection against fraud. Please review your monthly and/or online statement carefully and contact us immediately if you see any suspicious activity.
During account opening, you can fund your account a few ways. If you have an existing Heartland Bank account, you can transfer funds from that account. You can also transfer funds from outside financial institutions by using a credit card or by providing a routing and account number.
You can make additional deposits by setting up direct deposit into your new account. If you are a mobile banking customer, you may make a deposit using our mobile check deposit feature. You can also deposit funds into any Heartland Bank ATM that accepts deposits.
You will need the same information you would need for an individual account for both applicants. You will both be required to provide your electronic consent to disclosures and your electronic signature.
If you requested a Visa debit card with your new account, you will receive your new debit card 7-10 business days after your account opening is finalized.
You can request a replacement debit card by calling Client Services at 1-800-697-0049. You can also visit your local Heartland Bank branch to request a replacement debit card or ATM card.
Please call 1-844-202-5076 to report a lost or stolen card.
Visit any Heartland Bank ATM or any ATM listed by MoneyPass.Our MoneyPass ATM Network has thousands of convenient locations coast to coast, giving you more choices for accessing your accounts, and all are surcharge-free! This means that you can use your Heartland Bank debit card at all non-Heartland ATMs that display the MoneyPass logo, and you won't be charged a surcharge fee by that institution.
To dispute suspicious items on your debit card, please call the Disputes telephone number on the back of your card, 1-844-202-5076. Any other questions can be directed to the Heartland Bank Client Services department at 1-800-697-0049 during normal business hours.
If you requested checks when opening your account, you will receive your checks 10-14 days after your account opening is finalized and the check order is placed.
New checks can be re-ordered through Online Banking. Click on the "Other Services" tab, and then choose the "Reorder Checks" tab, both located in the blue bars at the top of the page in Online Banking.
Heartland Bank's Routing number is 044109336.
You may view check images anytime through Online Banking. To view a check that has cleared in the last 90 days, click on the link provided in the history or select "View Checks" in the blue bar.
If you're enrolled in Online Banking, you can simply log in and click "Other Services" in the blue bar, then "Stop Payment" which brings you to an online request stop payment form. You can also request a stop payment by calling one of our local branches and speaking to any Heartland Bank associate.
An individual is eligible for a Health Savings Account and may make/receive monthly contributions if they are covered under a high-deductible health plan, are not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage), are not enrolled in Medicare, and may not be claimed as a dependent on another person's tax return.
An HSA can benefit you, your spouse, and your dependents.
You, your employer, your family members, or any other person may contribute to your HSA, even if you are self-employed or unemployed.
You or your employer may are able to make HSA contributions (regular and catch-up) any time during a taxable year and up to/including your federal income tax return due date (excluding extensions) for filing tax returns for that year. That means most years' contributions must be made on or before April 15 of the following calendar year.
Yes. CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.
Yes, the Card Details screen displays the Card Status.
No, CardValet currently supports debit and credit cards.
The app automatically logs you off in 10 minutes.
Names are displayed as your last name then first name (e.g. SMITH JOHN.)
Heartland Bank does not use tokens, so when you request a reset, you will receive an email with a temporary password.
We are currently not able to display these fields.
In the event that you do not have an email or SSN on your cardholder record, you will be requested to perform a PIN-based transaction. The amount entered is compared to your historical transaction data. The PIN-based transaction may be performed at an ATM or by making a purchase.
Yes, you can register multiple cards within a single CardValet app. Additional cards can be added within the "Manage Portfolio - Add Card" screen. Only the standard Heartland Bank card design will appear.
There is no limit.
Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about CardValet unless you share the information.
You must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. On the login page, the logo of the last logged-in financial institution appears.
You should enter the first 20 characters of the street address.
CardValet passwords must be at least eight (8) characters in length and must contain at least: one (1) upper case character, one (1) lower case character, one (1) number and one (1) special character.
Yes. If the card number is new, then you must "add" the new card number to your profile. In addition, you may delete the old card by accessing Settings > Manage Portfolio.
You need to enter the same level of detail entered for the original card. This information generally includes the card number, address, ZIP code, expiration date, and CVV/CVC code. Secondary authentication includes: security token sent in an email, last 4 digits of your social security number, or a PIN'd transaction amount performed in the past 72 hours. Multiple individuals can register the same card as long as you know the card details. Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.
The primary device is used to track the GPS for "My Location" alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card. Controls (including the "On/Off" setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing "Settings - Primary Device."
The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.
CardValet alerts are sent as push notifications to your phone. The alerts also display under "Messages" in the CardValet app.
My Location is only effective for the enrolled user. To limit your dependent's card, you can use the Region feature to set usage preferences for where the card can be used. Set location preference to "Region" in the drop down menu, then "Add" a "New Region" to set the map to the area where the card may be used.
Yes. International transactions can be blocked using the "International" location control. Transactions will be limited to the United States.
Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the "Alert Preferences" or "Control Preferences" screen. Each of the merchant types contains various merchant category codes (MCC). Please note that it is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others.
The low balance alert is controlled on a cardholder level. It cannot be turned off by client/card prefix.
You can set the "Do Not Disturb" time that will suppress notifications during the set times. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.
Control settings take effect as soon as the "Updating information" message in the app stops.
No, the alerts are consolidated into one message. For example, if the message has violated "Threshold" and Location settings, then you will see only one alert and not multiple alerts.
CardValet ignores location information that is more than one (1) hour old. So, if your phone is off for more than an hour, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.
Yes, an alert is generated regardless of whether or not a control preference is set.
The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as "primary" within CardValet. These controls impact "card present" transactions only, therefore internet transactions are not impacted.
CardValet performs a proximity check at the granularity of zip code or city, so if the merchant is close to home, the transactions will still go through.
CardValet updates the balance under two conditions: (a) when you log into CardValet and (b) when you tap "Refresh." Even if the balance has fallen below the threshold that you set, it is only updated when you log into the app or tap "Refresh," which then triggers the alert.
Previously authorized recurrent payments will continue to process and will bypass the CardValet edit checks.
There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance, the pre-authorization amount must meet the threshold spend limit.
CardValet controls are only invoked during authorization of a transaction. In some cases, such as Gas Stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will pre-authorize for a maximum amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.
Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
CardValet only shows the transactions that are performed with your card. It does not show the transactions that are done on the account without using your card, such as teller transactions or bill pay on an account.
When you log on to the CardValet app, a Balance Inquiry transaction is performed to retrieve and display the balance. A balance inquiry is performed on every account listed in the cardholder record. The app will not initiate more than one balance inquiry within 30 minutes even if you press the Refresh button.
Your balance will be updated to reflect teller transactions if the account processor supplies the updated balance. The balance is updated the next time you log into CardValet.
With a fixed rate loan, the interest rate stays the same over the life of the loan. If you are committing to a forever home, a fixed rate may be the best option.
An adjustable rate mortgage has an interest rate that is fixed for a specific amount of time, then will go up or down based on an external financial index. This is a good option if you plan to sell your home before the rate becomes variable.
Once pre-qualified, you'll know how much you are eligible to borrow, thus making your shopping easier. Sellers also appreciate pre-qualified buyers.
An appraisal is a property valuation completed for a fee by a licensed or certified, third party professional. It is based on the opinion of the appraiser with respect to the market value of the property being considered.
An appraisal will be needed in almost every situation. The market value of the home you want to purchase is set by the appraisal. We need to be sure that the house is worth what you are requesting for a loan as it is the collateral for the loan.
Yes, as an applicant, you are given copies of all completed appraisals on the property of interest.
Market value is the amount a buyer is willing to pay for a property and the amount a seller is willing to accept for a property in the marketplace. An appraiser will give his opinion on the market value of a property.
Comparable sales are used by appraisers to determine an accurate property market value. They are properties that have recently sold with qualities similar to the property under consideration. The appraiser is responsible for choosing properties that best reflect the local marketplace and closely match the desired property.
For a mortgage, the funds are available when you close your loan. For a refinance or home equity line of credit, funds are available on the fourth business day after signing the loan documents. There is a three day waiting period when you have the right to revoke your application.
An interest rate is comparable to a fee for borrowing the funds disbursed by a loan. The APR (annual percentage rate) is the total fee including interest, points and bank fees expressed in an annual rate.
Pre-paid interest is interest paid in advance. It is the daily interest cost that begins accumulating on your loan closing date until the end of the month of your closing.
You are responsible for this amount at closing as your first monthly mortgage payment will consist of the full month's interest of the month prior to your first payment. For example, let's say you closed your loan mid-January. If your first payment is due March 1st, that payment will include the interest for February. As interest is standardly paid in arrears, rather than having a first payment that includes a month and a half interest, we collect for the partial month at closing.
You are responsible for the closing costs at the closing of your loan. Often, the seller is asked to cover a portion and you will need to cover the balance (or the full amount depending on the offer made by the seller). You can speak with your Loan Officer regarding these costs as there are times when they can be absorbed into the total loan amount.
These are costs to you for completing your loan. They can include title insurance fees, attorney fees, pre-paid interest and documentation fees. Additional fees are possible based on the specifics of the individual customer.
We provide a Loan Estimate explaining your closing costs during the application process. After approval and before closing, we will provide you with a Closing Disclosure. This document details all of the costs, credits and fees required to complete the entire loan process.
Most often, some form of down payment is required. Heartland Bank offers low down payment options for several mortgage programs. Program qualification depends on each individual situation and your needs.
PMI stands for Private Mortgage Insurance. It is usually required if you have less than a 20% down payment on your new property. The monthly payment for this insurance is usually included in your monthly payment. This can often be dropped when the lender is comfortable with the amount of equity achieved over time.
If this is your first mortgage, Heartland Bank can lock-in your interest rate once your loan is approved. Speak with your loan officer for specific details.
LTV means loan-to-value. This is calculated by dividing the mortgage amount by the property's market value. The ratio is used to determine if PMI is required and can be used in figuring your interest rate. The market value used is the lesser of the appraisal value versus the purchase price.
Ultimately, this is determined by the appraisal. However, you could check online real-estate resources to verify what homes in the neighborhood are selling for. It is also possible to check local auditors' websites for recent tax information.
First, we recommend that you consult a tax advisor with questions on whether the mortgage interest will be tax deductible in your specific situation. The interest may be tax deductible, but each situation is different and must be addressed as such.
Our underwriting department will look at:
Escrow, for mortgage purposes, is a holding account with us for your taxes and any insurance premiums, including homeowner's, flood and PMI. It is an account where we will hold what we collect monthly to fulfill the above mentioned payments. Your annual payments for the taxes and insurance is divided by 12 and added to your monthly principal and interest amount. On their respective due dates, we will send these payments on your behalf, thus relieving you of this worry.
Escrow is not always required. Again, it often depends on:
Your homeowner's insurance company will provide figures for insurance costs. For the tax portion, we will estimate the annual taxes bases on the most recent tax documents available for the property.
We will complete an annual review of the Escrow based on the anniversary date of your loan, unless we, or you as the customer, believe that there will be a significant change in the amount due, at which time we may complete a review before the anniversary date. If there are increases/decreases to taxes or insurance, we will notify you with an Escrow Account Disclosure Statement reflecting any changes.
FDIC insurance covers all deposit accounts, including:
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual funds, life insurance policies, annuities or securities. To learn more, contact the FDIC toll free at 877-275-3342 or visit https://www.fdic.gov/deposit/deposits/.
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors of insured banks located in the United States against the loss of their deposits if an insured bank fails. Any person or entity can have FDIC insurance coverage in an insured bank. FDIC insurance is backed by the full faith and credit of the United States government.
Please visit our Career Opportunities page for information about employment with Heartland Bank. Heartland Bank is an Equal Opportunity Employer.
You can export 90 days of history by following these steps:
You can go back 90 days when exporting history from your Heartland Bank online banking to your accounting software.


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In a field of 70 golfers among 14 teams, two Tornado golfers finished in the top 25 spots. Lee Whitehead (Knoxville, Tenn.) and Richard Powell (Hixson, Tenn.) each finished in a tie for 21stplace, scoring one-over-par after round one. Whitehead had a seven-stroke improvement from the front nine to the back nine (40-33—73) while Powell shot well on both halves of the course (37-36—73). Whitehead's score of 33 on the back nine was the second-lowest score on holes 10 through 18 on the day.
Josh Bamberger (Waterloo, Ontario) was two shots off the pace of his teammates, playing his way to a 75 (37-38) through one round. Canadian National Tournament participant Adrian Kibsey (Winnipeg, Manitoba) hit a fantastic front nine, hitting his way to the third lowest score through those holes but struggled on the back nine with a 43 to finish t-56 overall. Ross Maietta (Bexley, England) rounded out the team of Tornado golfers with a 43-39—82 scorecard.
As a team the Tornado placed 10th out of 13 teams with a 299 squad score. King sits just five strokes away from seventh place team Lincoln Memorial University (294), four away from Conference Carolinas member St. Andrews (295) and one back of Walters State Junior College (298). They currently sit one shot in front of host institution Lenoir-Rhyne (300).
The Lady Tornado team finished 11th out of 21 teams and just outside making in the top ten teams participating. Their team score of 337 is just one shot away from tenth place team and Conference Carolina member Erskine College (336) and six off the pace of ninth place Queens University of Charleston (331).
Like the men, two Lady Tornado linkers final scores tied for a team lead. Esther Gandarias (Madrid, Spain) and Cortnee Young (Cleveland, Tenn.) shot identical scores of 41-41—82 on the first day of the two-day tournament and sit in a tie for tenth place individually. Two shots off their pace is Anna Walker (Marion, Va.) who shot an 84 while Kerby Jones (Eagleville, Tenn.) and Chelsea Gammon (Blountville, Tenn.) rounded out the rest of the King team with an 89 and 96, respectively.

subset: commoncrawl


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Export 18 results:Author Type [ Year]
Filters: Author is G. Van de Wouwer [Clear All Filters]
"Automated chromatin-texture based diagnosis of carcinoma nuclei", Journal of Microscopy, vol. 197, pp. 25-35, 2000.
"Validation of nuclear texture density, morphometry and tissue syntactic structure analysis as prognosticators of cervical carcinoma", Analytical and Quantitative Cytology and Histology, vol. 22, no. 5, pp. 373-382, 2000.
"Wavelet-based texture classification", Recent Research in the Development of Pattern Recognition, vol. 1, pp. 77-87, 2000.
"Computer-assisted differential diagnosis of malignant mesothelioma based on syntactic structure analysis", Cytometry, vol. 35, pp. 23-29, 1999.
"Statistical texture characterization from discrete wavelet representations", IEEE Transactions on Image Processing, vol. 8, no. 4, pp. 592-598, 1999.
"Value of morphometry, texture analysis, densitometry and histometry in the differential diagnosis and prognosis of malignant mesothelioma", Journal of Pathology, vol. 4, no. 189, pp. 581-589, 1999.
"Wavelet correlation signatures for color texture characterization", pattern Recognition, vol. 32, no. 3, pp. 443-451, 1999.
"Automated breast tumour diagnosis and grading based on wavelet chromatin texture description", Cytometry, vol. 33, pp. 32-40, 1998.
"Rotation-Invariant Texture Characterization using Isotropic Wavelet Frames", Proc. ICPR98, International Conference on Pattern Recognition , Brisbane, Australia, 17-20 august, pp. 814-816, 1998.
"Wavelet-based texture analysis", Intern. Journal on Computer Science and Information Management, vol. 1, no. 2, pp. 22-34, 1998.
"Color texture classification by wavelet energy-correlation signatures", Proc. ICIAP Intern. Conf. On Computer Analysis and Image Processing , Florence, Italy, 17-19 september, pp. 327-334, 1997.
"Rotation-invariant texture segmentation using continuous wavelets", Proc. 2-nd IEEE Symposium on applications of time-frequency and time-scale methods , Coventry, UK, 27-29/9, 1997.
"Voice recognition from spectrograms: a wavelet based approach", Fractals, vol. 5, pp. 165-172, 1997.
"Wavelets for texture analysis, an overview", Proc. IEE International Conference on Image Processing and Applications , Dublin, 14-17 july, pp. 581-585, 1997.
"A texture analysis approach to corrosion image classification", Microscopy, Microanalysis, Microstructures, vol. 7, pp. 1-10, 1996.
"Voice classification by wavelet transforms and fuzzy interpreted LVQ networks", Proceedings International Symposium on Soft Computing and Intelligent Industrial Automation, Reading, UK, March 26-28, pp. 171-177, 1996.
"Wavelet-FILVQ classifier for speech analysis", Proc. ICPR'96 Internat. Conference on Pattern Recognition , D, pp. 214-218, Vienna, august 25-30, pp. 214-218, 1996.
"Classification of corrosion images by wavelet signatures and LVQ networks", Lecture Notes in Computer Science, vol. 970, pp. 538-543, 1995.


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Solar Field Construction, how it all went together!
Watch State Center Solar in Action!
Welcome To Our Community
Known as the "Rose Capital of Iowa," State Center is a charming community that recalls the nostalgic memories of times gone by on Main Street by mingling historic preservation with modern business practice to provide a unique and interesting atmosphere and the personalized customer service that is a distinctive signature of small town Iowa. As the name implies, State Center lies near the geographic center of Iowa. It is located on US Highway 30 and is only a 20 minute drive from Marshalltown, 30 minutes from Ames, and 45 minutes from Des Moines. The original Lincoln Highway, the first transcontinental highway, goes through State Center's Main Street
State Center is very proud of its heritage and history. To that end, many community-minded people pitched in to purchase and preserve the historic Watson's Grocery Store on Main Street. The store originally was a turn-of-the-century grocery and dry goods store. Most of the antique fixtures remain, and the museum today preserves the look and feel of what was commonplace in State Center from 1895 until it closed in the 1980s
The community has made a commitment to save itself from becoming another economic ghost town by providing its full support to the "Main Street Program", and as a result, the downtown has begun to bloom again in the "Rose Capital of Iowa". In June of 2003, just in time for the 45th annual Rose Parade, the three-block area of State Center's historic Main Street was given a complete facelift with new sidewalks, street lighting, street resurfacing, and infrastructure.
The mission of the State Center "Main Street Program" is to create an environment for positive growth through volunteerism, community involvement, and regional partnerships within the context of historic preservation. The four point approach for economic revitalization includes: Business Improvement, Organization, Promotions and Design.
Please come visit State Center soon.
Look at all we have accomplished!
For more information about Main Street projects and events, please contact: State Center Development Association, 110 E. Main St., PO Box 156, State Center, IA 50247, 641-483-3002 or email@example.com
There are no upcoming events.


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Welcome to the Cooke Realty concierge services page! Below you will find a list of companies that offer services or products that will enhance your vacation. They are listed by category, and if you are looking for a specific category simply use the following dropdown to be taken directly to that category.
|WalmartBack to Concierge


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Also found in: Dictionary, Thesaurus, Idioms, Encyclopedia, Wikipedia.
debateverb agitate, altercate, argue, argue pros and cons, attempt to disprove, bandy, battle verbally, canvass, confer with, confute, consider, consult with, contend, controvert, deliberate, disagree, discept, discuss, engage in oral controversy, examine a question, exxmine by argument, moot, negotiate, ponder, present reasons for and against, present varied opinions, reason, refute, weigh, wrangle
Associated concepts: debates of Constitutional Convention, freedom of debate, legislative debate
See also: answer, argue, argument, challenge, conflict, conjecture, consider, contention, contest, contravention, controversy, controvert, converse, cross, deliberate, deliberation, disaccord, disagree, disagreement, discourse, discuss, dispute, doubt, fight, hesitate, muse, oppose, opposition, oscillate, parley, persuade, ponder, process, reason, refute, reply, respond, speculate, treat, vacillate
debatein Scottish civil procedure, that part of an action where legal argument takes place only on the pleas-in-law. It can take place before any proof if the plea is preliminary, such as a plea to the relevance or specification or after the case if it was impossible to answer the plea-in-law until evidence had been heard. For example, in ordinary negligence cases where, until the facts have been heard, it is not possible to say that the defender has or has not been legally negligent.
DEBATE, legislation, practice. A contestation between two or more persons,
in which they take different sides of a question, and maintain them,
respectively, by facts and arguments; or it is a discussion, in writing, of
some contested point.
2. The debate should be conducted with fairness, candor and decorum, and supported by facts and arguments founded in reason; when, in addition, it is ornamented by learning, and decorated by the powers of rhetoric, it becomes eloquent and persuasive. It is essential that the power of debate should be free, in order to an energetic discharge of his duty by the debator.
3. The Constitution of the United States, art. 1, s. 6, provides, that for any speech or debate, in either house, the senators and representatives shall not be questioned in any other place.
4. It is a rule of the common law, that counsel may, in, the discharge of professional duty, use strong epithets, however derogatory to the character of the opponent, or his attorney, or other agent or witness, in commenting on the facts of the case, if pertinent to the cause, and stated in his instructions, without any liability to any action for the supposed slander, whether the thing stated were true or false. 1 B. & Ald. 232; 3 Dow's R. 273, 277, 279; 7 Bing. R. 459; S. C. 20 E. C. L. R. 198. Respectable and sensible counsel, however, will always refrain from the indulgence of any unjust severity, both on their own personal account, and because browbeating a witness, or other person, will injuriously affect their case in the eyes of a respectable court and jury. 3 Chit. Pr. 887, 8.


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Remember Crazy Uncle Mort?
If you're artistic or have a love of science, you may be able to thank a relative with a mental disorder — new research indicates there's a link between family psychiatric history and our personal interests.
More than 1,000 Princeton University freshmen were recently surveyed and asked what major they'd choose based on their intellectual interests, and then asked if their parents, siblings or grandparents had a history of mood disorders (like depression or bipolar disorder), substance abuse or autism-spectrum disorders. All of these disorders have a moderate-to-strong genetic component.
The results, published Jan. 26 in the journal PLoS ONE, revealed that students who planned to major in the humanities or social sciences were twice as likely as other students to report a family member who suffered from a mood disorder or had a substance abuse problem. Science and technology majors, on the other hand, were three times as likely as other freshmen to say they had a sibling on the autism spectrum.
In a statement, study researcher Sam Wang, a professor of molecular biology and neuroscience at Princeton, said the new data mirrors previous work showing our interests are at least partially heritable. Various studies over the past few decades have found people who have relatives with mood or behavior disorders have a higher-than-average representation in careers related to writing and the humanities, while conditions related to autism exhibit a similar correlation with scientific and technical careers.
One need look no further than pop culture and history to see this effect in action. Poets such as Sylvia Plath are known for their struggles with depression, and Aristotle once allegedly said that people "eminent in philosophy, politics, poetry and the arts have all had tendencies toward melancholia." In addition, ties between autism and technology abound in Silicon Valley, where techie personalities and the autistic disorder Asperger's are reportedly common.
Environmental influences, such as the experience of growing up with a mentally ill family member, may also play a role. But Wang said the correlations suggest a common genetic path between certain interests and certain mental disorders.
"Everyone has specific individual interests that result from experiences in life, but these interests arise from a genetic starting point," Wang said. "This doesn't mean that our genes determine our fate. It just means that our genes launch us down a path in life, leading most people to pursue specific interests and, in extreme cases, leading others toward psychiatric disorders."


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Tech Update
Simplified Robotic Parts Feeding
Adept Technology, Inc., Pleasanton, CA, a provider of high-speed industrial automation products for manufacturing, packaging, material handling and factory automation, introduces the FlexiBowl, an innovative vision-based robotic part- feeding solution available as an option on all Adept robot systems. The Adept FlexiBowl employs circular band tracking to simplify and speed the robotic acquisition of component parts used in assembly, handling and kitting applications. The unit can quickly separate and orient a variety of parts made from diverse materials including plastic, metal, rubber and silicone.
"Unlike traditional vibratory bowl feeders, which have limited flexibility due to their high level of customization," says Adept president and CEO John Dulchinos, "the FlexiBowl utilizes vision technology to create a truly flexible, standard parts-feeding solution that can be deployed and redeployed quickly, eliminating the time, cost and complexity associated with traditional parts feeding."Adept Technology, Inc.: 925/245 3400; www.adept.com
See also: Adept Technology
Related Enterprise Zones: Automation


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Renz Julian (Feat. J. Stalin) - Day In The Life [Label Submitted]
Renz and Stalin show you how they get down on a day
to day basis. Track produced by Renz Julian
Demolition Men Present: Renz Julian "Alphabet
Hustle", in stores now!!
Directed by Damon Jamal [m]
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Garden rambles in Portland, Ore.
Now that all the leaves are down in Colorado, let's go someplace lovely, shall we? Come with me …
We'll enter Lan Su Yuan, the Portland (Ore.) Classical Chinese Garden, where layers upon layers of artistry combine to turn a couple of small city blocks into … well, not a maze, but a meander. It is (and is meant to be) like a restful visit to the home of a scholar whose beautiful garden allows one to contemplate life, the earth, the heavens. A tapestry of balance and poetry.
Architecture is part of the artistry of Lan Su Yuan, perhaps best exemplified in the Knowing the Fish pavilion, named after a parable that, to my mind, is about making happiness a choice.
It perches on the rim of the lagoon, all four sides wrapped in a bench, so that anywhere you choose to sit, you gaze at water, flowers, carved roofs, poetic inscriptions. Everywhere you step, what your feet touch is deliberately chosen, from patterned pebbled paths (each pattern with its own name, such as "Plum Blossoms on Ice") to marble to wood to stepping stones. Bridges, curved or linear, cross and re-cross the lake.
When I was there, pink lotuses were in bloom.
I've been contemplating Lan Su Yuan lately along with the connections between gardening and poetry.


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The 1970s. Hanging out with my buddies after school. Driving around, trying to look grown up. This song comes on, we immediately turn up the radio to the loudest volume, and we're all playing air guitar. Now it's being played in a concert hall, for President Obama, with Heart doing the honors? (They rock it well, but I missed the rawness of Robert Plant's voice.) I'm feeling old.
That song came out when Richard Nixon was president. I hope his corpse is crying bloody tears as the vibrations shake his tomb.
(via 3 Quarks Daily)


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BLAK Draw The Line Sweater White
A great layer for a casual look or to wear to the gym. The staple, forever favourite, Draw The Line Sweater. A relaxed fit with a classic crew neck cut and scooped hem; a popular, flattering style for all.
- Cotton
- Crew neck
- Relaxed fit
Get free NZ standard delivery when you order over $200! Our other rates are as follows:
|Click and collect in store
|Standard shipping within NZ
(1-2 business days)
Rural shipping within NZ
(2-3 business days)
|Orders over $200
While we endeavour to deliver goods to your nominated address within the time frames indicated, we cannot guarantee delivery times particularly during busy promotional and sale periods where some order dispatches may be delayed due to the additional volume. Dispatch of orders may also be delayed where payment or address information requires verification or correction prior to dispatch.
Designer shopping pressure-free.
Bax & Berg are happy to offer you a refund, exchange, or store credit. All we ask is for you to return the purchase in its original condition within 10 days of receiving it. Please note that sale items are only eligible for exchanges or a 6 week store credit. Postage charges on returns for full priced items are non refundable.
Return your item using our online tool.


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Our divine textured velvet was inspired by a desire to create the ultimate luxury velvet , one with both a linen velvet aesthetic and a soft and sumptuous handle. Bespoke was carefully constructed with a viscose pile creating a lustrous, plush finish and antiqued surface. Custom dyed to deliver an extensive, fashion forward palette; Bespoke offers an array of beautiful neutrals and opulent theatrical tones. The palette includes Catherine Martin's signature red, in honour of Bazmark's famed Red Velvet Trilogy: Strictly Ballroom, Romeo and Juliet and Moulin Rouge.
- Product Bespoke
- Color Gilt
- Code 12395-219
Part of the Majorelle collection.
- Composition 54% VI, 34% CO, 12% PL
- Horizontal Pattern Repeat (Weft)
- Vertical Pattern Repeat (Warp)
- Width 55.1"
- Weight 729g/yd
- Origin Italy
Test Results
Download Product Specifications
Download Product Specifications (All colours)


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The Preppy Desktop
4 Sep
At The Stationery Studio, we're always inspired by what our customers love. So much so, that we added a new boutique called "The Preppy Desktop" to make it easier to find the preppy look you love. Beautiful stationery and accessories from designers like Lilly Pulitzer and Kate Spade are part of our Preppy Desktop collection. Stop by this new boutique to get your preppy fix!


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Thu, Oct 19
31 HORROR STORIES -- "Shadetree" (1978)@ 1:00 PM
Michael Reaves has a weird resume. He wrote on cartoons like THE REAL GHOSTBUSTERS, and he also penned this mutant hybrid love-and-horror story. It's about a changeling. You know, like when a human baby gets switched with a...well, I don't know exactly what they get switched with. But when they grow up, they grow up to be like Shadetree, sort of a Southern Goth by way of Iggy Pop. And he falls in love. Which is where the horror starts, and won't stop.


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With every show there has to be a villain. That is the case with this character from Rocket Monkeys. Here is "how to draw Monkevil", step by step. This sweet looking chimp truly defines the sayings that never judge a book by its cover. Who would have known that this purple haired girl could be so darn evil? I know a lot of you are wondering how complicated will it be drawing Monkevil, and the answer to that question is not hard at all. You will find that creating a villain is one of the easiest things you did today. I shall return in a bit so stay tuned in to see what I upload later today.
DragoArt members upload artwork and drawing tutorials! They are also allowed to leave comments on tutorials, profiles, etc. Many more features, as well; it's way better than just being a boring guest! Register Now!


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By: Wayne Gustaveson April 7, 2010
Lake Elevation: 3619 Water Temperature 52-56 F
The first largemouth bass has been seen tidying up a nest site. That heralds the beginning of spring fishing excitement. The largemouth bass spawn during the next 4 weeks will create indelible fishing memories for those lucky enough to be fishing on those magic days when bass are visible in shallow clear water, and eager to chase anything that comes near the nest. Bass spawn every year, but this year the average size of bass caught will exceed any yearly average in the recent past. The spawning peak will come during the warmest five consecutive days in late April unbroken by a cold front. Bass continue to spawn in May but spring runoff will raise the lake, cloud the water and make finding nesting bass much harder. If your bucket list includes catching a 3-6 pound largemouth bass then a spring trip to Lake Powell is mandatory.
Largemouth live in the brush that rings the shallows around the lake. They go very shallow on warm afternoons and are very spooky when approached. It takes a very stealthy cast to catch them shallow before they spawn. More often they are in thick cover. Lures bouncing through tree limbs get their attention. The lure must stop for a while to entice a bite. So use big baits with lots of surface area that settle slowly to the bottom for best results. When bass are on the nest they are much easier to catch. A slow settling, weightless bait, like a plastic senko is ideal.
Many big fish will be caught on beds this spring. Male bass guard the nest. Male bass should be returned to protect the young eggs and fry on the nest. Put them back right where they were captured and then watch them go right back to the nest site. It is fine to take a picture, weigh and measure the fish first. An exact replica of a huge fish can be done in fiberglass just from the length and girth dimensions. Expect to catch a big one but be ready to record the feat before a quick release.
Female bass are the ones that should be targeted for harvest if desired. Better yet keep smallmouth bass which are more abundant. Crappie will spawn during the same time frame. This spring will offer the best crappie fishing seen at the lake for a very long time. Be aware of the 10 fish crappie limit. Keep enough for a meal but not enough to stock the freezer. Largemouth and crappie have returned to prominence because of the ephemeral brush ring around the lake. When the brush disappears in the next few years their populations will decline as well. That is whey they are still cautiously protected when they appear to be available in large numbers.
Striped bass remain in the backs of the canyons. Small stripers are in the upper 15 feet while larger fish are now becoming more active in the deeper water (15-35 feet). Trolling is still the best method to catch them. Shallow running (6-12 feet) small baits take small fish at a fast pace. Deeper running (20-30 feet) lures take the 3-4 pound fish at a slower rate. Fishing with spoons and jigs on the bottom near schools seen on the graph is improving every day. There is still no movement of stripers to the main channel and there have been few fish caught on bait. Fat stripers like action baits and will show little interest in a passive anchovy. If bait is your choice then try slow trolling a whole anchovy on a salmon mooching rig in 35 feet of water.
There is more than can be said but the bottom line is that fishing will be remarkable in 2010.


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Visit the official website of the City Planning Commission
The City Planning Commission, established in 1915 (as the "City Plan Commission"), is a body of seven members. Six are appointed by the Mayor and one is a member of City Council.
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Certain development projects are subject to "design review" before the City can issue a Building Permit. Design review ensures that new development and exterior alterations will complement and enhance the character of surrounding neighborhoods and districts. Typically, a local Design Review Advisory Committee that reports to the City Planning Commission will see projects subject to design review. TheDesign Review Applicant's Guide explains the design review process in detail.
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The staff of the City Planning Commission assists individuals seeking to develop, improve or re-use properties in Cleveland. Staff members can provide information on zoning, design review, property characteristics, neighborhood plans, demographics, maps, and various development approval processes.


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Supreme Court Puzzles: How There Can Be Oversight Concerning Warrantless Wiretapping If No One Can Sue?
from the that-would-appear-to-be-a-problem deptOne of the more ridiculous things about the government's ongoing campaign of secret surveillance on Americans is how hard it's fought back against anyone who has sought to have the policy tested in the courts. If the feds were confident that what they were doing was legal, they wouldn't be so aggressive in blocking each and every attempt. When the ACLU and others filed suit over the warrantless wiretapping under the FISA Amendments Bill (the Clapper v. Amnesty International case) the lower court rulings were especially troubling, because it was ruled that there was no standing to sue, because there was no direct proof of such spying. So that leaves the public in quite a bind. They can't complain about the program unless they can prove they've been spied upon, but they can't do that unless they know more about the program, which is secret. Someone page Joseph Heller.
The part of the case now at the Supreme Court is only over whether or not there is significant standing for Amnesty International and the ACLU to move the case forward. The government insists, quite vehemently, that as long as no one knows it's spying on them, they can't sue. The SCOTUS blog has a nice recap, saying that the Justices were "sensitive" to the lawyers who want to sue, but as we've warned before, what Justices say at oral hearings is not always a good barometer for how they'll eventually rule. Still, we might as well go through the transcript for some key points. The report kicked off with Solicitor General (and former entertainment industry litigator) Donald Verrilli being quizzed on the fact that, under his interpretation, no one could ever bring a lawsuit until after they were charged with a crime and knew about the details. That's neither fair, nor reasonable. Verrilli tries to cook up some other scenarios, but they all appear quite unlikely.
And, thankfully, Justice Ginsburg calls him on this point:
General Verrilli, can you be specific on who that person would be? Because, as I understand it, it's unlikely that, for example, the lawyers in this case would be charged with any criminal offense. It's more probable that their clients would be; but, according to the government, their clients have no Fourth Amendment rights because they are people who are noncitizens who acted abroad.In other words: "don't we have a problem when any effective oversight is written out of the law?"
So it's hard for me to envision. I see the theoretical possibility, but I don't see a real person who would be subject to a Federal charge who could raise an objection.
Later, Ginsburg also wonders if the government will just claim state secrets to get out of having to provide info anyway. In the end, the debate comes down to if a lawyer just thinking that the government is spying on his phone calls, such that he's already modifying his behavior, is a form of "harm," and whether or not we trust the special FISA court (set up to monitor this stuff) to do a good job in weeding out abuses. Concerning "thinking" that the government is spying on a call, Verrilli tried to claim that there's no real harm there because a lawyer has an ethical obligation to take greater precautions. Seriously:
JUSTICE KAGAN: Well, is it really such speculation, General? I mean, just imagine that -- yourself in this lawyer's position, and the lawyer says, I'm representing a person associated with a terrorist organization, I'm representing KLM in the case of one of these lawyers, and I'm going to be talking to that person's family members and associates and trying to find out everything that I can.On the side of the lawyers seeking standing, their lawyer, Jameel Jaffer, tried to build on the hypothetical that the Justices raised, in which there's a "substantial risk" of having communications intercepted, leading them to change their behavior. Here Chief Justice Roberts kept pushing back that the standard is "certainly impending" rather than "substantial risk."
Now, as a lawyer, would you take precautions, or would you pick up the phone and start writing e-mails to all those people?
GENERAL VERRILLI: If I took precautions, it would be because of a belief that I had to comply with an ethics rule, and the ethics rule would be the cause of me taking those precautions. It doesn't change the standard.
JUSTICE KAGAN: I don't even think it has to do with an ethics rule. If you're a good lawyer -forget the ethics rule and how the ethics rules apply. Are you really going to tell me that you, as a lawyer, would just pick up the phone in the face of this statute and talk to these terrorists' associates?
CHIEF JUSTICE ROBERTS: You have two arguments; one is likelihood of future injury and the other is present obligations or cause. I want to focus on the former. Our standard is certainly impending, and you articulated it by saying, substantial risk. There is obviously a vast difference between those two.Meanwhile, Justice Scalia seemed to think that the FISA Court could really be trusted to automatically ferret out 4th Amendment violations without, say, lawyers being spied upon being able to raise the issue themselves. Scalia, it would appear, is tremendously trusting in the powers of the FISA Court to actually stop excessive surveillance. While Jaffer points out that the current fight to renew the FISA Amendments Act suggests otherwise, since it removed the basic tests that the FISA Court had to look at the specifics (about the particular person or location being monitored) and gives the government much more leeway to spy broadly:
MR. JAFFER: Well, I don't think, Your Honor, that the Court has settled on certainly impending. The cases that the -- the Government cites are cases like -- I think that the one that the Government cites, relies on most heavily is Summers. But in Summers, the distinction between likelihood and certainly impending was not one that the Court relied on in -- in that decision. The Court said that plaintiffs couldn't meet even the lower standard. So I think that the discussion of certainly impending -
JUSTICE KENNEDY: But both in Summers and Monsanto the Government tells us: We knew that the governmental act was occurring, and then once we knew that, the question was substantial risk.
MR. JAFFER: Justice Kennedy, the -- the -the cases that we rely on, Monsanto, Laidlaw, Meese v. Keene, these are cases in which the Court didn't look to the certainly impending standard at all. The question that the Court asked in those cases was: Is there a substantial risk? Is there a substantial risk that effectively compels the plaintiffs to act in the way they are -- they are acting?
JUSTICE SCALIA: Does that assessment take into account the fact that a court is going to pass upon the Government's ability to intercept these communications?Later, he pushes back again, noting that the FISA Court doesn't get enough details to make the determination:
MR. JAFFER: It does, Justice Scalia. I mean you -- you are right that there is a court that in some sense stands between plaintiffs and the future injury that they -- that they fear.
JUSTICE SCALIA: With the obligation to apply the Fourth Amendment.
MR. JAFFER: I don't think it's that simple. The -- the -- the court, the FISA court, is tasked with assessing the reasonableness of targeting and minimization procedures. But the statute itself forecloses the court from imposing the kinds of limits that plaintiffs think the Fourth Amendment requires. So for example, the statute itself in section (g)(4) says that the Government is not required to identify the facilities to be monitored. And the statute itself in defining targeting procedures defines them to be procedures intended to ensure that the targets are outside the United States.
JUSTICE SCALIA: But if as you say those procedures violate the Fourth Amendment, it doesn't matter what the statute says.
MR. JAFFER: Well, the Court would have to -
JUSTICE SCALIA: If those statutory provisions would produce a violation of the Fourth Amendment, they are null and void, right?
MR. JAFFER: Well, I think that's right.
The -- the court -
JUSTICE SCALIA: Okay. So the FISA Court would presumably know that.
MR. JAFFER: Well, I think if that had happened over the last 4 years, the Government wouldn't be seeking reauthorization of the statute now.
JUSTICE SCALIA: I don't see how the rest of your challenge or your challenge to the remainder of this statute can be characterized as a facial challenge, because it necessarily assumes that the FISA court will mistakenly say that there has been no Fourth Amendment violation, doesn't it?On the whole, it does seem like it may be difficult to convince a majority of the Justices that there is standing here. This is unfortunate, because clearly some of the Justices are worried about the implications of the federal government being able to pass a law for secret spying that no one can ever challenge since they'll never know about it. But, if they can't prove that the spying actually took place, then it's tough for them to be able to show the actual harm. Hopefully the Court recognizes that the uncertainty surrounding the likely monitoring of communications is legitimate harm... but it seems like a longshot.
MR. JAFFER: I don't think that's so, Justice Scalia. Our concern is not -- not that -- that the FISA court will make mistakes, although it well might. The concern -- the main concern is that the reasonableness inquiry that the FISA court engages in is a narrowly cabined one. They court can't say this is unreasonable because you haven't identified the facilities. They can't say this is unreasonable because you haven't identified a specific target.
Filed Under: fisa, fisa amendments act, standing, supreme court, surveillance
Companies: aclu, amnesty international


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Items where Department is "Lancaster University Management School" and Year is 1998
|Up a level
Balogun, J and Johnson, G (1998) Bridging the gap between intended and unintended change: the role of managerial sensemaking. In: Managing Strategically in an Inter-Connected World. John Wiley and Sons Ltd, Chichester.
Long, G and Araujo, L M and Childs, S K and Easton, G (1998) Editorial. Lambda, Current Awareness Journal in Marketing, 7 (2).
Robertson, I T and Cooper, C L (1998) International Review of Industrial and Organizational Psychology: Vol. 13. John Wiley and Sons Ltd, Chichester. ISBN 0471977225
Scholes, K and Johnson, G and Ambrosini, V (1998) Exploring Techniques of Analysis and Evaluation in Strategic Management. Pearson Higher Education, London and New York. ISBN 0-13-570680-7


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An important part of hunting is getting yourself and your firearm to your hunting location safely. In almost all instances, this will mean transporting your firearm in a vehicle. NEVER carry a loaded firearm in a vehicle.
Follow these rules when transporting a firearm:
- Unload your firearm!
- Place it in a protective case separate from ammunition.
- Keep the muzzle pointed in a safe direction when putting it into or taking it out of the vehicle.
- Never pull the firearm toward you muzzle first!
- Secure the firearm so that it cannot move during travel.
- Position it so that the muzzle will not be pointing at anyone or any animal traveling in the vehicle.
- If you have to leave the vehicle, store the firearm and ammunition in a locked place.


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Lamar residents will have vastly improved access to stroke neurologists as Prowers Medical Center has become the newest member of CO-DOC, a remote presence robotics program.
Joined with clinical innovations partners Blue Sky Neurosciences, Colorado Neurological Institute, InTouch Health and the HealthONE Stroke Care network, Prowers Medical Center will now offer an even higher level of care for their patients than before. Committed to bringing the excellence in care possible to their patients, Prowers Medical Center is now home to Remote Presence Robotics, the latest in stroke technology. This means patients with stroke symptoms who arrive at their local ER can be assessed almost instantaneously by neurologists specializing in stroke. As a result, emergency physicians can more quickly treat stroke patients in their ER, and reduce or eliminate long-term stroke impacts on their patients.
"Every second counts in minimizing the damage a stroke can cause to the brain – quick assessment and personalized care are key," says Dr. Chris Fanale, HealthONE Stroke and CO-DOC Medical Director. "Having this state-of-the-art telemedicine technology puts the stroke specialist instantly in the room with a patient and ER physician. As a stroke neurologist, I can have a conversation with the patient and family, examine the patient's ability to move and speak, and even zoom in to assess pupil reactivity. We can talk to EMS and ER staff, and assess monitors and vital signs immediately. There is no other system in the region that is currently offering this level of care to stroke victims."
Immediate medical care of stroke can mean the difference between life and death. During a stroke, an estimated 30,000 brain cells die per second; meaning that time lost is brain lost. Evidence shows that a stroke patient's outcomes and recovery are far better the quicker you can evaluate and treat the stroke.
The InTouch Health Remote Presence[reg] telemedicine technology includes a camera and microphone for live two-way audio and video, and a computer, on a sleek, wheeled cart that is placed in an ER room. A CO-DOC/HealthONE Stroke Care specialist can connect a computer and joystick to the Remote Presence[reg] unit via the Internet, and appear instantly on screen at the bedside of patients, much like video conferencing, interacting with family members and clinical staff in the room. The stroke specialist can control and zoom the camera to get closer to the patient, while accessing remote medical devices like electronic stethoscopes, otoscopes and monitoring.
"There are limited numbers of stroke neurologists and other specialists in our state – but this advanced technology allows experts to see patients at the bedside, from many miles away and much faster, without losing the precious time it takes to transport a patient or wait for a specialist to arrive at the ER," says HealthONE Chief Medical Officer Dr. George Bussey. "Location and resources are no longer impediments to providing the safest first-class care that HealthONE is known for."
Why CO-DOC?
Stroke is the leading cause of disability in the nation and the number three killer. It is estimated that 700,000 people in the U.S. experience a stroke each year. Despite these numbers, approximately 5.5 percent of stroke patients in the nation receive IV-tPA, the only FDA-approved treatment of ischemic stroke. In order to be administered safely and effectively, IV-tPA must be given within 4.5 hours of the onset of stroke symptoms. The CO-DOC program's average IV-tPA rate is 21 percent.
How does CO-DOC benefit the community?
The program immediately brings experienced stroke neurologists to the bedside of patients in communities and hospitals that may not offer onsite specialty care physicians.
Treatment goals are to have 100% of eligible patients treated with IV-tPA.
Not a 'doc in a box' – this program brings community, physician and nurse, and EMS education on signs and symptoms of stroke in addition to access to specialists in the time of an emergency.
Where is CO-DOC?
Today there are 30 telemedicine systems in the CO-DOC network, eight of them are HealthONE facilities. These systems exist within 30 rural and urban locations in Colorado, Wyoming and Kansas.
In the past five years, more than 1,400 telemedicine consults have been conducted.
100 of those patients were deemed appropriate to receive IV-tPA. This is 21 percent treatment rate, approximately four times the national rate.