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10 Days Overdue
The agony of waiting intensifies each day.
Feeling really, really pregnant doesn't really feel easy.
The pressure of wondering what I should be doing to activate labor feels heavy.
The instantaneous evaporation of my birth plan is shattering. What I've wanted to avoid : induction – is now not an alternative for medical reasons, and is scheduled for tonight.
Worst case scenarios flutter through my mind, and I spiral into worry.
And in the end I must remember : I have a choice.
Even though certain things are seemingly out of my control, I can carve a perspective of possibility.
Because I want to seek out what is best, rather than actively predict the worst.
Because this is about the baby's safe arrival and my grip has to loosen (again).
Because as we all know, things don't always go according to plan.
And what seems all so massive to me now, I slowly realize will soon be a mere blip.Post a comment
In Between
One foot here, one foot there.
All of the unknown beckons right around the corner.
Aware of a major transition, yet simultaneously in denial that anything is going to change.
Searching for a rhythm within each day.
Acutely aware of everything that is real today will eventually dissolve.
A family of 4 becomes a family of 5.
Reminding myself soon I will have to let go + surrender, whenever the time comes to usher in this new life. This is hard for me.
Like waiting for a bus and being fully present at the station; it can come at anytime.
Letting it be OK to feel scared, and nervous, and unsure of everything that will follow.
Trusting when it is time I will be ready to give myself over to birth a miracle, to loose myself + enter within.
Let me drop expectations of past birth experiences, of other people's stories.
Let me free the wishes I am strongly gripping of how I'd like things to be.
Allow me to be carried.
Allow me to connect me with the fierce goddess that resides within + all the many who came before me.
Let me feel the flow + rhythm of the universe within while accessing my deep inner strength + softness.Post a comment
On Expansion
As I get closer to birth this third baby I have experienced waves of incredible overwhelm, followed by washes of peace. I am briefly settled even with the vast unknown + uncertainty of all that is to come hovering close, and then once the tangles smooth out, a whole other collection of anxieties beckon. And this continuous ebb + flow takes me for quite a ride.
I'm needing more and more time to land, to fall into myself, to nap, to be still, to listen, and mostly to trust.
I am not late in my arrival.
I am just on time
I am excited about the idea of open space, I practice biting just enough to satiate + fulfill me.
There is more time, more days : I need not cram it all in.
I move gracefully + thoughtfully.
I cherish what is in front of me.
Deep in my bones lies an infinite well of gratitude, which I tap into daily + which fuels how I move.
I see the world from possibility.
I see the world from a lens of kindness.
I share my spirit freely + generously, which fuels me.
I honor my creativity, my heartbeat, my rhythm, my family.
I tune into my joy + what is going to resonate deep within my heart.
And I ask for guidance in all it's forms so I can remain receptive to all the nudges.Post a comment
Yesterday marked three years of living in our home.
I feel like I should apologize to it, as I spent the last week glaring at all its shortcomings. I think it was due to a vacation hangover. After returning from our two week trip to NY where I experienced so much joy + ease, beauty, time in nature, sweet company, beautiful home spaces, + nourishing food that the challenges from children + travel + all the feelings of being 7 months pregnant have already receded into the background.
When I returned home, I was grateful to be home, but also acutely aware of how our home lacked in comparison to the spaces I spent time in while away. I immediately wanted to implement new paint colors, textiles, rugs, wood floors, swinging porch seats, and outdoor benches – not to mention finally pay attention to our garden all within the second I returned.
This is a pattern, it happens when I return to our home with fresh eyes, and instead of seeing what is working I focus on what is wrong with everything. That is where my gaze landed and pulled me deep into suffering. This was all exasperated with being with the kids all the time, which offered me little space to recalibrate + space to process. It was exhausting.
Now, my drive to alter everything has softened. I even went to West Elm looking for rugs + benches + chairs, and walked away empty-handed, and now I am reminded with these words :
"[Home] suggests a nest where intimacy and belonging foster identity and individuality. When a place to belong is assured, the adventures of growth can begin with great promise… It stands for the sure center where individual life is shaped and from where it journeys forth. What it ultimately intends is that each of its individuals would develop the capacity to be at home in themselves."
-John O'Donohue
So to this dear home of ours :
Thank you :
Thank you for sheltering us, for keeping us warm + safe.
Thank you for being a palate where beauty + love are constantly expressed and forever evolving.
Thank you for room to grow in all it's senses.
Thank you for the spaces you provide to gather, create + reflect.
Thank you for your flexibility + understanding of the messes that take a while to get cleaned up.
Thank you for being home to this family.
Post a comment
Summer Blessings
There was a slow creep into summer, and then, wham, it hit and I felt the shift : s'mores, pool, full on rainbow sighting, camping in the backyard, ice-cream, sprinkler, gathering with friends, and trips planned + packing for.
Along with the longest day of light, illuminated an intense darkness, suffering, + a deep sense of grief churned up in this world. A lot to process, pray for, and the invitation to recognize the many blessings laid upon me + my world.
So here I am noticing noticing the abundance + refining what I was made for, and how I want to show up for this season.
I am made for prayer.
I am made for ease.
I am made for community.
I am made for delight.
I am made to move slowly.
I am made to notice.
I am made to release.
I am made to be generous.
I am made to live from my spirit.
I am made to create.
I am made to bask.
I am made to connect.
I am made to be here.
"That's what I consider true generosity. You give your all, and yet you always feel as if it costs you nothing." – Simone de BeauvoirPost a comment
Collective Heartache
I am not argumentative. I am not able to clearly + succinctly state my case to persuade others to see it the same. I bawled incoherently while on the phone with my congressman. I am deeply sensitive + I feel immensely. This crisis of children being taken away from their families, feels as if my own children are being taken away from me, and I sob in agony and feel this collective heartache.
I am brought to tears as I help my children brush their teeth + wash their hands, and wonder who on earth is doing this for these innocent children. I'm praying there are angels close helping these children + parents. I'm praying that somehow these "leaders" will clearly see that there is no separation between them + us. We are all just looking for peace + happiness, and America used to be a place where people could come to pursue those rights. I am here only because my grandma immigrated here, and before that my great, great grandparents. That is the irony in all of this. I know it is multilayered, but I understand the core enough to know that what is happening is not right. I am stirring in grief.
May everyone only come out of this stronger and more determined than before. May a deep, needed, and necessary change + healing come from this incredible darkness, and may everyone's pain be comforted somehow.
Feeling unsure of what to do and wanting to take action : I donated here.Post a comment
Perspective : Shift
I am pregnant with my third child, and I went to Iceland. These two things informed each other, and made the whole trip possible in a way. I am working on elevating my perspective on what it means to be pregnant again + instead of feeling like everything is ending, it is only beginning, in an even more refined way.
With each child the stakes feel higher, times feel strained, freedom feels stolen. And yet motherhood is actually giving me the keys to unravel the deeper parts and layers of my heart. Without the restrictions of what I experience motherhood to be, I probably wouldn't have found this current iteration of myself : complex, rich, and ever evolving.
So rather than seeing growing a family + nourishing it as hindrance, remind me this perceived limitation actually has the possibility to set me free – if I chose to see it that way. If I look for the ways it already has. If I view the breaking open + shifting of my being to literally create, birth, and nurture these lives : as a way to heal. A way to access the depths of me. Permission to step into the current version of me.
If I view it as a true privilege, one that I do not resent because I honor + arrange the structure of my life towards my desires and dreams. And if there are any hints of resentment I use it as information to redirect, to uncover, to locate the gold waiting to be released + expressed. Let me not fear how this new baby is going to be the catalyst for change. Instead let me ready myself, as if I was preparing for Christmas, or my birthday : a portal to receive magic, to be transfigured, to allow the contents fo my soul + life to improve.
Allow my view to soften about what feels "right" simple because it feels current, instead let me trust in the transition. Allow for excitement to permeate my being. Because while I will be ushering new life into this world, I will also be ushering new life and vitality into myself + my family. I am the conscious + confident creator of that + so much more. Let me stand embracing the beauty + magic of it now. The immense possibility that lies on the other side and let me be so clicked in to rejoice that all is possible. Willing to let go of previous notions + structures to allow for the next installment : refined + with miracles abound. Embracing the death that comes alongside birth.
Photo by Chelsea FosterPost a comment
Dreams Realized
Over a year ago, my dear friend Michelle + I were dreaming of creating a space to honor mothers, children and families, through movement, yoga, + community. We scouted out spaces, drafted schedules, had endless conversations… but spaces fell through, and it never seemed to "click".
We continued to host our offerings in our own way, and now we are in collaboration with Move It Studio in Lititz, PA – as a part of their Move It Family Program! A space to support families find peace within the chaos : in moving together and through prenatal barre, babe + me yoga, baby wearing barre, child + me yoga, family yoga, and MORE. Led by the tremendous visionary Marie Cleaves Rothacker.
This postnatal yoga offering was prompted from a deep place within my heart that felt the longing to be held in a space and connected to a community while navigating the demanding early stages of parenthood. Craving a real need of support, structure, and connection we are now offering just that, and what a tremendous gift that is.
See below for upcoming dates + share with anyone who might be interested.Post a comment
Finely Tuned :
Fine tune me to the frequency of my children (my work) and my heart : simultaneously.
May I find continuous ways to honor them all.
May my receptors be sensitive to their needs and pleas.
May I effortlessly tend to to them and may I receive energy + focus in doing so.
May I be engaged in a thoughtful and creative dance : pulsing and delicately shifting form and tempo.
May I be that tuned in to know just what is needed.
May I create a delicate structure that keeps me tethered and elevated in each unfolding moment.
May my children (my work) + my heart sense this, and no matter how many times we have walked all over each other, may we find a new way. Confidently and courageously mapping new territory so the intelligence of our own hearts pierce through the surface and is clearly understood.Post a comment
If I Could Do Better :
I would.
I am not the woman I was before I had children, so I should not expect to behave + act like her. Although some habits she had seem dreamy and ideal right now, I don't have the capacity to withhold them, or perhaps the desire. Maybe one day I will. But in this current season there are more demands on my time and energy, as I continuously navigate ways in which to make the best choices for myself and everyone involved.
I have to trust, if I could do better I would.
I have to trust in the wisdom of time unfolding.
I realize I also can monitor my thoughts for what they are : Truth? or Excuse?
Sometimes they both exist on a very fine line, blending into another. So, if I find myself following the path of an excuse, I have to trust that if I could have done better, chose differently, well – I would have.Post a comment


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Suddenly Susan Meets Mel Brooks! Gets Rebuffed From Billy Crystal! And Has An Awesome Night At The Tribute To Sid Ceasar!
July 18, 2014 Fanboying!, Q and A, Suddenly Susan
The Paley Center for Media hosts some really fun events throughout the year. Last night, Mel Brooks, Carl Reiner and Billy Crystal paid tribute to the late Sid Caesar. Only Mel and Carl were originally listed, with "additional guests" on the website, so Mr. Crystal was a

subset: commoncrawl


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Born: January 20, 1987
Date of Birth: January 20, 1987
Madhur Mittal is an Indian actor best known for the role of Salim Malik in the 2008 film Slumdog Millionaire directed by Danny Boyle.
Madhur was born in Agra, India. He began acting when he was a child, appearing in movies and famously winning the Indian reality dance show Boogie Woogie in 1997 by impersonating Michael Jackson. "I was a great Michael Jackson fan and even wore my hair and dressed like him," said Madhur in an interview with rediffnews.
Shortly after, his family moved to Mumbai where he attended Abhinav Degree College. Madhur started acting and dancing on stage in different charity shows, cultural events and award ceremonies. He travelled the world performing in over 950 stage shows. As a child actor he worked in Hindi films such as One 2 Ka 4. Madhur has also appeared in several TV shows.
In 2008, Madhur landed the role of Salim in Slumdog Millionaire, which gained him worldwide attention. In order to prepare for the role he hung out with some of the gangsters in Mira Road, a western suburb of Mumbai. Also, around that time Madhur had an accident, which led to him getting 12 stitches on his chin. This accident changed his look and helped him look like the character he had to play in the film.
In 2009, along with the rest of the cast of Slumdog Millionaire, Madhur won the Screen Actors Guild Award for Outstanding Performance by a Cast in a Motion Picture at the 15th Screen Actors Guild Award.
Since then, Madhur has appeared on TV in Treasure Island and Kidnap and Ransom. In 2014, Madhur portrayed Dinesh Patel, a baseball player, in Million Dollar Arm. The film also stars Jon Hamm and Suraj Sharma, best known for his role in the 2012 film Life of Pi.
Filmography:Million Dollar Arm (2014)


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NEW YORK, NY – Tony DeSare, acclaimed singer/pianist and composer, has released his first Christmas album, Christmas Home, now available at Soundcloud, Spotify, and Apple music.
Inspired by America's most popular mid-century vocalists like Frank Sinatra, DeSare set out to recreate a more intimate sound and spirit of the 1950s and channel it into a new, "old-fashioned" Christmas album. Writing for a small studio orchestra – as Sinatra used on his Close to You and More album – rather than a large big band, DeSare's collaborators on the orchestrations were Fred Barton and Tedd Firth. The recording sessions were also captured on camera; each song on the album has a corresponding video that will be released on DeSare's YouTube channel throughout the holiday season. DeSare produced and mixed the album entirely in his home stu- dio in upstate New York.
Christmas Home features several of the most beloved Christmas classics, including "I'll Be Home for Christmas," "Have Yourself a Merry Little Christmas," and "It's Beginning to Look a Lot Like Christmas," as well as two original compositions.
Named a Rising Star Male Vocalist in Downbeat magazine, DeSare has won critical and popular acclaim for his concert performances throughout North America and abroad. From jazz clubs to Carnegie Hall to Las Vegas headlining with Don Rickles and major symphony orchestras, De- Sare brings his fresh take on old school classics around the globe. DeSare has three top ten Billboard jazz albums under his belt and has been featured on the CBS Early Show, NPR, A Prairie Home Companion, and The Today Show.
Notwithstanding his critically acclaimed turns as a singer/pianist, DeSare is also an accom- plished award-winning composer. He won first place in the USA Songwriting Contest, and has written the theme song for the motion picture, My Date with Drew, along with several broadcast commercials.
DeSare's recent and upcoming appearances include the Pittsburgh Symphony, Seattle Sym- phony, Arizona Music Festival, The Smith Center in Las Vegas and the Cincinnati Pops Orches- tra. DeSare releases new recordings, videos of standards and new originals every few weeks on his YouTube channel, iTunes and Spotify. Tony DeSare is a Yamaha Artist.
Links: Full album on Soundcloud Tony DeSare's website: www.tonydesare.com YouTube Channel: www.youtube.com/adesare
Track Listing: 1. I'll Be Home for Christmas (Gannon, Kent, Ram) 3:56 2. It's Beginning to Look a Lot Like Christmas (Wilson) 2:45 3. Have Yourself a Merry Little Christmas – (Martin, Blane) 3:59 4. Family Christmas Home – (DeSare) 3:14 5. Oh Holy Night – (Adam) 4:08 6. White Christmas – (Berlin) 3:13 7. Dance of the Sugar Plum Fairy – (Tchaikovsky) 2:01 8. The Christmas Song – (Wells, Torme) 3:26 9. Silent Night – (Gruber, Mohr) 3:06 Bonus Tracks 10. Christmas For You and Me (DeSare) 4:35 11. 18 Versions of Jingle Bells (Live) 7:35


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We will all live in communes once society shits itself out. It is only natural. No person can live alone when resources are thin. There is simply too much to do if one wants to learn and do all the chores. You will need help for society to progress.
What does it take to live in a commune? The closest thing I have experienced is the FireHouse Sunday night House meetings. At the Firehouse 7 to 8 artists live in an old office space. They have a stage and a coffee cart out back and a gallery up front. There is always something happening at the Firehouse. Every Sunday night the residents get together to discuss house issues and share a meal. I have said for years that the best show in downtown Phoenix is the Sunday night house meetings. The reason I say this is because the best show anywhere should give you something to think about.
I used to attend them even though I was not a resident. Only residents, and people who have a legitimate reason to be there should/are allowed to attend. I took friends, because I thought they could learn something. But one of the residents finally told me, "Kevin, I don't mind if you come but quit bringing guests, we are not doing this for people's entertainment." He was right.
The FireHouse told me all I know about living in a commune, but I don't know much because I have only been an observer and not a resident. That said, here is what I learned from watching the FireHouse and being a initiated Thought Criminal:
- Rule 1a: Some people do not like to have their pain displayed on stage.
- Rule 1b: Someone needs to do the dishes.
- Rule 2: It is good to have a large common calendar present.
- Rule 3: When people are talking it out, it is necessary to have patience and listen. This is much harder than one might think it to be.
- Rule 4: When speaking try to be precise. Try not to bring up sidebars to illustrate a point.
- Rule 5: If one does not have a plan for the Post-Apocalypse, a decent plan would be to find Michael & Joanna 23 and stick with them. Not only do they know how to raise a child, tend a garden, run a light show, and repair an old building; they also know how to get a large group of people to work together and get something done with marginal resources. That is what will separate one tribe over another after the Apocalypse.
Below: Video Tour of the Firehouse during a 3rd Friday Firestage show.


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I Have a Patreon (and I use it to publish stuff)
A few panels from Tracy Queen (illustrated by Jayel Draco) I realized today that I don't talk about my Patreon enough. It's not one of those Patreons where I send you pictures of my boobs if you send me money…But that doesn't mean that there are no boobs involved! Allow me [...continue...]


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So what was the defining opening question? Our First Minister suggested that the Scottish Labour leader should "apologise" for "standing arm-in-arm with the Tories" during the independence referendum, that this somehow made Labour responsible for the Tories "cutting budgets, penalising the vulnerable".1 It's hard to imagine a clearer illustration of the SNP's single-issue focused, narrow-minded aversion to grown-up politics.
During the independence referendum, two political parties were willing to put generations of bitter rivalry to one side to campaign for something they both believed to be right. They agreed on an important issue, like grown-ups sometimes do. In the eyes of the SNP it appears this is something to be embarrassed about, something to apologise for. Apparently, if you agree with another party on anything that means you must agree with them on everything. You'll hear more sophisticated arguments in the school playground.
The suggestion that Labour are somehow responsible for Tory budget cuts as a result of campaigning together for a No vote is simply laughable. The fact that Labour (and the Liberal Democrats) agreed with the Tories on an issue as fundamental as Scotland remaining in the United Kingdom doesn't make them responsible for the current Tory government, any more than the SNP standing for Westminster seats does. You don't have to agree with Scottish Labour's tax proposals to recognise that they offer a real alternative to Tory spending cuts.
The SNP themselves could choose to avoid "cutting budgets, penalising the vulnerable" through increasing the tax burden on those Scots who are in a position to afford it. Scottish Labour, the Liberal Democrats and (to a more dramatic extent) the Greens all propose to do this, but the SNP don't. The boldest proposal the SNP can muster is to not pass on a tax cut which would, for example, change the effective tax rate of somebody earning £100,000 a year by just 0.3%. This would translate into only £120m additional Scottish revenue next year, equivalent to less than 0.2% of total Scottish public spending.2
The party that offers to pass on the highest proportion of Tory spending cuts is the SNP, because they are the ones offering to do the least to prevent them through tax increases. On this basis the SNP are more responsible for penalising the vulnerable than any of the opposition parties.
Of course the SNP didn't want us to be here, they campaigned for a Yes vote. The latest Government Expenditure and Revenue Scotland (GERS) figures show that, had we voted Yes, Scotland would have started negotiating its independent life based on figures showing a deficit of £14.9 billion or 9.7% of GDP. That's a bigger deficit than any EU country and twice as large as that we currently share within the UK. It's now clear that the inevitable result of a Yes vote would have been far more severe cuts than those we're currently experiencing.3
In this context it's worth reminding ourselves what the Independence White Paper ("Scotland's Future: Your Guide to an Independent Scotland") had to say on the matter: "On independence in 2016, Scotland's estimated financial position will continue to be healthier than the UK as a whole. We will set out on a firm financial footing".4
This statement has been shown to be flat wrong. Those who suggested at the time that this was an unjustifiable assertion were accused of "talking Scotland down". Now it seems they're expected to apologise for campaigning to avoid the economic trauma a Yes vote would have caused.
If we're asking people to apologise for anything about the Independence Referendum, let's look at the oil revenue forecasts that were used to back up false assertions like the one above.
It's a matter of public record that the White Paper used two scenarios for oil revenues that were £2.5 billion and £4.0 billion a year higher than the Office for Budget Responsibility (OBR) were forecasting at that time. This isn't hindsight, this is comparing forecasts that existed when the White Paper was being written.5 The SNP attempt to bluster over this by talking about oil price forecasts rather than oil tax revenue forecasts, but these are very different things6.
Given that the OBR have maintained a track-record of always being optimistic on oil revenue forecasts, the Scottish Government presented scenarios which at the time could have been fairly labelled "very optimistic" and "hopelessly optimistic".
Which brings us back to the question of apologies and who should be apologising for what?
Those who campaigned for a Yes vote based on a set of hopelessly optimistic financial projections were responsible for placing the vulnerable at risk. Those who are too timid to make meaningful use of our tax powers are responsible for passing on Tory spending cuts.
Rather than demanding apologies, maybe it's time our First Minister considered offering a few.
This article appeared in the Daily Record on April 7, 2016
1. STV Leader's Debate ("Scotland Debates"), 29/03/2016 from 50:30
"Kezia, the last time you did a TV debate in this room was in the referendum. On that occasion you were in a [spits] team [/spits] with Ruth Davidson helping to ensure that Scotland was stuck with a Tory government we didn't vote for. Now that you know what the Tories are doing to Scotland, cutting budgets, penalising the vulnerable, do you understand why people across Scotland are so angry with Labour? Do you regret your alliance with the Tories and will you take the opportunity tonight to apologise for it?"Dugdale: [starts to respond]
Sturgeon [interrupting]:
"Do you regret standing arm-in-arm with the Tories?"
2. BBC News Report on SNP Tax plans, 29/03/2016
In 2017-18 the SNP propose to increase the 40% tax threshold to £43,387 instead of £45,000 as will happen in the rest of the UK. This means for anybody earning over £45,000, £1,613 of their income will be taxed at 40% instead of 20% if we simply followed the UK's policy. This translates into £323 pa. of saving not passed on.
3. The Price of Independence, 24/03/2016
4. White Paper page 4.
5. Oil Revenue Forecasts
- The OBR March 2013 report (p.110) showed total UK oil and gas revenue forecast for 2016-17 of £4.8bn
- Scotland doesn't get 100% of that figure - over the last decade Scotland's geographic share has ranged from 80% - 90% so Scottish revenue forecast for 2016-17 would be £3.8bn to £4.3bn
- The White Paper was published in November 2013 and the only oil revenue forecasts included were for the year 2016-17 (p.75)
- £6.8n was the low scenario: that's 57% to 77%, £2.5bn to £3.0bn higher than the OBR. This is the low scenario and it's more than £2.5bn higher than the OBR (than the OBR who had a track record of only ever being optimistic)
- £7.9bn was the high scenario: that's 83% to 105%, £3.6bn to £4.0bn higher than the OBR
- So the White Paper only included scenarios that were 50% to 100% (£2.5 to £4.0bn) higher than the OBR were forecasting at the time
Oil tax revenues are generated by a tax levied on production profit. Production profit is driven partly by the dollar oil price but also by the sterling dollar exchange rate, actual extraction costs and total production volumes. It's possible to make identical assumptions about the oil price but reach dramatically different conclusions as to the amount of tax revenue that would result. The Scottish Government may have used similar price forecasts to the OBR but, given they produced vastly larger revenue forecasts, they must have been far more optimistic about exchange rates, extraction costs and/or production volumes.


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Mission Lane Legal
Legal documents and information for Mission Lane products and services.
Cardholder Agreements
The Arrow Card Visa® Credit Card Account
Issued by Transportation Alliance Bank
|Interest Rates and Interest Charges
|Annual Percentage Rate (APR) for Purchases
|19.49% - 29.99% Your APR will vary with the market based on the Prime Rate.*
|APR for Cash Advances
|27.74% - 29.99% Your APR will vary with the market based on the Prime Rate.*
|How to Avoid Paying Interest/Paying Interest
|Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date or the firstday of the billing cycle in which the transaction is posted, whichever is later.
|Minimum Interest Charge
|If you are charged interest, the charge will be no less than $0.50.
|For Credit Card Tips from the Consumer Financial Protection Bureau
|To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
|Set-up and Maintenance Fee
|NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $300, your initial available credit will be only about $225.
Annual Fee
|$0.00 - $75.00
|Cash Advance Fee
|The greater of $10.00 or 3.00% of each cash advance.
|Transaction Fee
Foreign Transaction
|If the transaction occurs at a merchant outside of the U.S., the fee is 3.00% of the U.S. dollar amount of the transaction, regardless of whether a currency conversion is performed at the time of the transaction.
|Penalty Fees
|Late Payment
|Up to $25.00
|Returned Payment
|Up to $25.00
|Over-the Credit Limit
How Will We Calculate Your Balance: We use a method called "Average Daily Balance (including new transactions)." See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
*How We Calculate Variable Rates: For each billing period, variable rates may change when the Prime Rate changes. We calculate variable rates by adding a margin to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate changes, your new rate will take effect on your next billing period.
a) The margin which will be added to the Prime Rate for purchases is 16.24% - 26.74% (daily periodic rate
currently 0.05340% - 0.08216%)
b) The margin which will be added to the Prime Rate for cash advances is 24.49% - 26.74% (daily periodic rate currently 0.07600% - 0.08216%)
Any increase in the Prime Rate may increase your Interest Charges and your Minimum payment.
(Effective October 2017)
This Arrow Card Visa® Credit Card Cardholder Agreement, together with your Arrow Card Visa® Credit Card Account Opening Disclosure, Arbitration Agreement, card carrier and credit card application (collectively, this "Agreement") govern the use of The Arrow Card Visa® credit card ("Card") and related credit account ("Account"). All of the separate documents governing the Account, and any future changes we may make to this Agreement, are part of this Agreement. Please read this Agreement and retain a copy for your records. The date of this Agreement is set forth on your card carrier. However, this Agreement will only become effective if and when you (or a person authorized by you) activate your card by following the instructions on the sticker on the card, by contacting us with your request to activate the card, and make a transaction using the card. Prior to then, you will not be responsible for any Card transaction if the Card is lost or stolen. Your first transaction must be a Purchase (as defined below) and not a Cash Advance (as defined below). Your use of the Card is your consent to be bound by the terms of this Agreement.
The Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank("TAB"), 4185 Harrison Blvd., Suite 200, Ogden, UT 84403, pursuant to a license from Visa U.S.A. Inc. TAB is the creditor and Card issuer, and assigns its rights for servicing and other rights to Mission Lane LLC ("Mission Lane"). As used in this Agreement: "we," "us," and "our" mean TAB as the Card issuer and creditor, or Mission Lane as servicer, and any assignee of either of their rights. The words "you" and "your" mean all persons responsible for complying with this Agreement,including the applicant, any guarantor and the person to whom we address Account statements (the "Primary Cardholder").
Use of the Card and Account: You may use the Card to make transactions only for personal, family or household purposes from any person or establishment accepting the Card (each such transaction, a "Purchase"), to obtain cash advances from us or obtain cash or cash equivalents (each such transaction, a "Cash Advance") and to take advantage of other features of the Card. Cash Advances include: (a) using any convenience check we provide you; (b) obtaining funds through an automated teller machine (ATM) or a financial institution; (c) purchasing a wire transfer, money order, foreign currency, travelers checks, lottery ticket, stored value load or other item that is a cash equivalent; (d) making a balance transfer from another account if we allow such transfers; or (e) engaging in any similar transaction.
You agree to use the Card and Account only for legal and lawful purposes. Neither the Card nor the Account may be used for gambling purposes, whether online or otherwise, or for the purpose of paying us on this or any other form of credit account you may have with us. If you do use your Card for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but you still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed
Promise to Pay: You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Preauthorized Recurring Merchant Transactions: You may authorize a merchant to automatically initiate a transaction on a recurring basis to your Account. Upon the issuance by us of a new Card with a new Account number or expiration date, you may be required to contact the merchant to provide such updated information in order to continue the recurring transactions.
Foreign Currency Transactions: If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the transaction will be converted to U.S. dollars based on a rate selected by VISA U.S.A. Inc. (or any of its affiliates) from the range of rates available in wholesale currency markets for the applicable central processing date (which may vary from the rate VISA U.S.A. Inc. itself receives) or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used by VISA U.S.A. Inc. (or any of its affiliates) on the currency conversion date may differ from the exchange rate in effect on the day you made the transaction or on the day the transaction is posted to your Account. Our fee is a percentage of the U.S. dollar amount of the transaction.
Credit Limits: Your card carrier we have provided you sets forth the initial total credit limit for your Account which includes your separate credit limit for Cash Advances. On your monthly statements, we will provide information about your credit limits and remaining credit as of the monthly statement date. You agree not to engage in any transaction (an "Over-the-Credit Limit Transaction") that would cause any outstanding balance to exceed a credit limit (or would increase the amount by which any outstanding balance exceeds a credit limit). We are not required to honor any Over-the-Credit Limit Transaction even if we have honored one or more Over-the-Credit Limit Transactions in the past. However, if we do, you agree to pay upon demand the amount that is in excess of the applicable credit limit.
We will evaluate your Account at least once within your first 12 months as a customer with us to determine whether you are eligible to have your credit limit increased from your initial credit limit as stated on your card carrier based on certain factors, including but not limited to: 1) your history of on-time payments; 2) whether you are in good standing with our other products; 3) whether the Account is or has been over the limit; 4) whether or not the Account is currently or has been restricted from charging privileges; 5) whether or not you have closed the Account or have filed for bankruptcy; 6) whether you have an actual ability to pay the higher credit limit. At any time after your Account has been considered for a credit limit increase during your first 12 months as a customer with us, at our discretion, and subject to applicable law, we may increase or decrease your credit limits at any time and will provide you notice if we do so.
Cash Advance Limit: Your Account is subject to a Cash Advance limit equal to 25% of your total credit limit. This means we will not honor Cash Advance transactions that would cause the total amount of outstanding and unpaid Cash Advances to exceed 25% of your overall credit limit.
Payment Amount. Your Account will be on a monthly billing cycle. Each month, you must pay at least
Total Minimum Payment by the Payment Due Date shown on your monthly statement. The Total Minimum Payment is
New Balance shown on your monthly statement if the amount is equal to or less than $25.00.
Otherwise, it is
greater of 3.00% of the New Balance (rounded up to the nearest dollar) or $25.00, plus
any amount past due.
may pay more than the Total Minimum Payment or you may pay the total outstanding balance at any time.
We may accept late payments, partial payments, or any payments marked or specially designated as being payment in full or as being similarly in settlement of any dispute, without losing any of our rights under this Agreement or under the law to collect all amounts due and payable on your Account. Our acceptance of such payments does not mean we agree to change this Agreement in any way. You agree not to send us any postdated checks. If you do, we may deposit it immediately upon receipt, despite the later date on the check.
If you make a payment greater than your Total Minimum Payment, this does not affect your obligation to make the next Total Minimum Payment. We do not pay interest on overpayments or any other credit balances created in your Account. Credits to your Account, such as from merchants, are generally not considered payments and will not reduce your Total Minimum Payment.
When Payments Are Due. You must pay and we must receive at least the Total Minimum Payment due on
your Account by 5:00 p.m. (EST) on the due date of each billing period ("Cut-Off Time"). Payments received
after the Cut-Off Time will be credited as of our next business day. Credit to your Account may be delayed
for up to five (5) days if we accept a payment that does not adhere to the requirements set forth in this
section and on your statement.
The available credit on your Account may not reflect your payment for up to five (5) business days if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day that we receive it.
- Payment Options. You can pay online through your online account, by mail, or by setting up automatic payments. Your payment must be made in U.S. dollars with a draft or a check drawn on a U.S. bank and payable in U.S. dollars, or with a telephonic or electronic payment authorization in U.S. dollars.
- Payment Allocation. We will apply the required Total Minimum Payment to balances on your Account using any method we choose. Although your Total Minimum Payment will be applied in any order at our discretion, payments in excess of the Total Minimum Payment will be applied to balances with the highest APR first and then to lower rate balances in descending order of APR.
Finance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge:
- Daily Periodic Rates. The Daily Periodic Rates for Purchases and Cash Advances are based on APR for Purchases and Cash Advances, respectively, which may be adjusted monthly. The current Daily Periodic Rate for Purchases and Cash Advances on your Account is calculated by taking the applicable APR divided by 365.
- Periodic Interest Charge Calculation—Daily Balance Method (including new transactions). We separately calculate a daily balance for Purchases and Cash Advances (each, a "Balance Type"), and use the daily balances to determine your interest charges for each billing period. We charge interest of at least $0.50 for both Purchases and Cash Advances.
- On Purchases, the interest charges for a billing period are computed by applying the Periodic Rate, as shown on the monthly statement, to the "Average Daily Balance" of Purchases. To get the Average Daily Balance,we take the beginning balance of your Account each day, add any new Purchases, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This results in the daily balance. Then we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This results in the Average Daily Balance.
- On Cash Advances, the interest charge begins to accrue from the date you obtained the Cash Advance, or the first day of the billing period in which it is posted to your Account, whichever is later. There is no grace period. The interest charges for a billing period are computed by applying the Periodic Rate, as shown on the monthly statement, to the Average Daily Balance on your Account. To get the Average Daily Balance, we take the beginning balance of your Account each day, add any new Cash Advances, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This results in the daily balance. Then we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This results in the Average Daily Balance. We do not charge interest on Cash Advance Fees.
- To determine your interest charge for the billing period, we: 1) multiply your Average Daily Balance by the Daily Periodic Rate for that Balance Type, which results in the "Daily Interest Amount;" then 2) multiply the Daily Interest Amount by the number of days in the billing period; and 3) add the results for all Balance Types to get the total interest charges each billing period.
How to Avoid Paying Interest: On Purchases, to avoid incurring additional interest charges on the balance of Purchases reflected on your monthly statement and on any new Purchases appearing on your next monthly statement, you must pay the entire "New Balance" in full, as shown on your monthly statement, on or before the Payment Due Date.
Check Conversion Notification; Electronic Check Re-Presentment: If you provide a check as payment, you authorize us and our servicers or agents either to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic funds transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. In the event a check is returned unpaid for insufficient or uncollected funds, we may re-present the check electronically. For questions, please contact Mission Lane at (855) 570-3732. If you have questions regarding your check, you can contact your financial institution.
Fees: We will charge the following fees, subject to applicable law:
- Annual Fee: We will charge an annual fee of $0.00 - $75.00 each year, whether or not you use the Account, and whether or not you have active charging privileges. Unless waived your first year, your annual fee will be charged upon first use of the card and then annually thereafter.
- Late Payment Fee: We will charge a late fee of $25.00 if we do not receive the Total Minimum Payment due on your Account by the Payment Due Date. However, we will not charge a Late Fee exceeding the Minimum Payment Due that is late.
- Returned Payment Fee: We will charge a fee of for payments returned due to insufficient funds, for an incorrect account number or for any other reason. This includes paper checks and any electronic payments. However, we will not charge a Returned Payment Fee if we are charging a Late Payment Fee with respect to the same Minimum Payment Due, and we will not charge a Returned Payment Fee exceeding the related Minimum Payment Due. This fee is in addition to any fees your bank may charge.
- Cash Advance Fee: For each Cash Advance, we will charge a fee of either $10.00 or 3.00% of the amount of the Cash Advance, whichever is greater. The Cash Advance Fee is a finance charge.
Events of Default: Subject to applicable law, we may consider your Account in default at any time if: (1) you fail to pay at least the Minimum Payment Due by the due date; (2) you attempt to engage in an Over-the-Credit Limit Transaction; (3) you had a Returned Payment; (4) you breach the terms under this Agreement; (5) we determine that any statement made by you to us in connection with this Agreement was false or misleading; (6)you breach any terms under any other agreement that you have with Mission Lane or with any of its affiliates; (7) you file for bankruptcy or some other insolvency proceeding is filed by or against you; (8) you are declared incompetent or mentally incapacitated, or in the event of your death; or (9) we have any reason to believe you may not be creditworthy.
Default Remedies: Upon your default and subject to any limitations or requirements of applicable law: (1) we may declare the entire amount you owe us immediately due and payable and/or suspend or cancel your Account privileges; and (2) you agree to pay all reasonable costs, including all court costs plus all reasonable attorneys' fees if we must refer your Account for collection to any attorney who is not our employee. A negative credit report reflecting on your credit record may be submitted to a credit reporting agency upon your default.
Refunds: If you have a credit balance on your account in excess of $1 we will refund that amount to you within seven (7) days of receipt of a written request for it from you.
Entire Agreement: You acknowledge that this Agreement, as amended (which includes your Account Opening Disclosure, Arbitration Agreement, card carrier and credit card application) constitutes the entire agreement between you and us with respect to the Account and the Card, and supersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral communication or understanding between you and us concerning the Account or the Card. If we offer or provide rewards in connection with the Account, the disclosures relating to such rewards are separate and not part of this Agreement.
Waiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not constitute a waiver of such rights on any other occasion. We will not lose our rights under this Agreement because we delay in enforcing any of them.
Credit Reports; Evaluation of Financial Condition and Credit History: You understand and agree that we may obtain a consumer credit report in connection with your request for credit and in connection with any updates, renewals or extensions of any credit as a result of your request. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You understand and agree that we may obtain a consumer credit report in connection with the review or collection of any transaction made by you or for other legitimate purposes related to such transactions. California Residents - you agree to waive your right to keep confidential from us information under Section 1808.21 of the California Vehicle Code.
Customer Privacy: Our privacy policy is provided separately in accordance with applicable law and can also be viewed online at https://www.missionlane.com/privacy.
Assignment: We may at any time and without notifying you, sell, transfer or otherwise assign your Account or any Account balances to any party at any time. You may not assign or transfer your Account or any of your rights and obligations under this Agreement. Any such assignment or transfer by you will be void.
Change of Terms: Subject to the Arbitration Agreement and requirements of applicable law: (1) You agree that we may, in our sole discretion, from time to time change or delete any of the terms and conditions of, or add new terms and conditions to, this Agreement, including changing the Daily Periodic Rate, APR or the formula used to compute interest charges or increasing or adding fees; (2) any such change will generally be effective immediately unless we are required by applicable law or elect, in our discretion, to provide you with advance written notice of the change (and/or the reasons for the change), afford you the right to reject the change and/or obtain your consent to the change (whether by written agreement, through the initiation of a Card transaction after a specified date or through some other means); in such instances, the change will be effective if, when and as stated in such notice; (3) any change may apply to your outstanding Account balance on the effective date of the change and to any future balances created after that date; (4) no change to any term of this Agreement will excuse your obligation to pay all amounts owing under this Agreement.
Suspension/Revocation/Cancellation: Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use the Card, or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice. Any such actions on our part will not affect your obligation to pay us the outstanding balance, interest and fees under the terms of this Agreement. We are not liable for any refusal to honor your Card or Account, or for the retention of your Card by any person or entity. If we revoke or cancel the Card, you must return the Card to us if we request. If a merchant that accepts Cards asks you to surrender an expired or revoked Card, you must do so. You may not use a Card after it has expired or after it has been revoked or cancelled. You may cancel your Account at any time. If you ask us to cancel your Account but we believe you have continued to use your Account after the date of cancellation, we will consider such use as your request for reinstatement of your Account. We may then reinstate your Account.
Military Lending Act Disclosure. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). You may receive this disclosure orally by calling (844) 885-2921.
Severability: Subject to the Arbitration Agreement: (1) if any part of this Agreement conflicts with applicable law, that law will control, and this Agreement will be considered changed to the extent necessary to comply with that law; and (2) if any part of this Agreement is determined by a court of competent jurisdiction to be invalid, the remainder of this Agreement will remain in effect.
Events Outside of Our Control: We do not guarantee that you will always be able to make Purchases with your Card or your Card will always be accepted when you attempt to use it. We are not responsible and will not be liable for any Card or other failures resulting from events outside of our reasonable control.
Communications: All notices to us must be sent to Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348 (or such other address we subsequently provide you, the "Notice Address"), with such "Attention" as may be specified in this Agreement. To the extent permitted under applicable law, any notice you send us will not be effective until we receive and have had a reasonable opportunity to act on such notice. Any written or electronic correspondence we send to you will, however, be effective and deemed delivered when mailed to you at your mail address (or your email address if you have authorized electronic communications) as it appears on our records.
To the extent permitted by applicable law, you authorize us and our affiliates, agents, assigns, marketing associates and service providers (collectively, the "Messaging Parties") to contact you using automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems in order to provide you with information about this Agreement or your Account, including information about upcoming Payment Due Dates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers or email addresses you supply or that we obtain through any legal means to any of the Messaging Parties. You understand that anyone with access to your telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. You understand that, at any time, you may withdraw your consent to receive text messages and calls to your cellphone or to receive artificial or prerecorded voice message system calls by calling the Messaging Parties at (855) 570-3732 or by writing to us as the address below in "Communications". To stop text messages, you can also simply reply "STOP" to any text message the Messaging Parties send you. To stop emails, you can follow the opt-out instructions included at the bottom of the Messaging Parties' emails.
Reports and Notices: We may report information about your Account to other creditors, other financial institutions and credit bureaus. Late payments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report.
You have the right to dispute the accuracy of information we have reported. If you think any information about your Account that we have reported to a credit bureau is incorrect, or if you think that you have been the victim of identity theft in connection with your Account or in connection with any other loan or extension of credit made by us, you can notify us by calling us toll-free at (855) 570-3732 or writing to us at Mission Lane LLC at P.O. Box 105286, Atlanta, GA 30348, Attn: Fraud/Dispute. Include your name, address, Account number, telephone number and a brief description of the issue. If available, please include a copy of the credit report in question. We will research your issue and will let you know if we agree or disagree with you. If we agree with you, we will contact the consumer reporting agency we reported to and request a correction.
If you believe that you have been the victim of identity theft, you should send us a police report or written statement in a form we provide you alleging that you are the victim of identity theft for a specific debt. Once we receive your documentation, we will cease debt collection activity until we have reviewed the materials, determined that the debt is still collectible, complied with all obligations described in the Billing Rights Notice below and sent you a written notice describing the basis for our determination.
All bankruptcy notices and related correspondence to us must be sent to us at Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348, Attn: Bankruptcy Notice. You must notify us of any changes to your name, mailing or email address, home, cell or business phone number,employment or income within 15 days of such change. You can notify us by calling us toll-free at (855) 570-3732 from outside the country, or by writing us at Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348.
Unauthorized Use of Your Card or Account: You agree to promptly notify us if you believe that your Card has been lost or stolen or that someone has used or may use your Card or Account without your permission. You agree to assist us in determining the facts, circumstances and other pertinent information related to any loss, theft or possible unauthorized use of your Card or Account and to comply with such procedures as we may reasonably require in connection with our investigation, including the filing of one or more reports with the appropriate law enforcement authorities. Subject to applicable law, you acknowledge and agree that we may terminate our investigation if you fail to provide us with any such assistance or to comply with such procedures, and we otherwise have no knowledge of facts confirming the unauthorized use of your Card or Account. In such circumstances, we will deem any such use as having been authorized by you and you will be liable for the amount of any transactions plus interest charges and fees incurred with any such use.
Governing Law: Except as provided in the Arbitration Agreement below, this Agreement and your Account are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles.
Inadvertent Overcharges: It is not our intention to charge any interest charges, fees or other amounts in excess of those permitted by applicable law or this Agreement. If any interest charge, fee or other amount is finally determined to be in excess of that permitted by applicable law or this Agreement, the excess amount will be credited to your Account or refunded to you.
Collection Proceedings: To the extent permitted by applicable law, you agree that, in any collection proceeding by us or a direct or indirect purchaser of your indebtedness to us, unless you provide affirmative evidence, sufficient to the finder of fact, that our business records are incorrect, the records we maintain in the ordinary course of business, including monthly statements and/or summaries of information in our computer records, certified by any custodian of our records as accurate reflections of statements or information in our business records, provide adequate proof of the amounts due hereunder.
Headings: The section captions of this Agreement are inserted only for convenience and are in no way to be construed as substantive parts of this Agreement.
Agreement to Arbitrate: Maintaining good relationships with our customers is very important to us. We ask that you contact us immediately if you have a problem with your Account or a service we provide. Often a telephone call to us resolves the matter quickly and amicably. However, if you and we are unable to resolve our differences informally, you agree by opening or maintaining an Account with us, that if any dispute between you and us arises regardless of when it occurs, it will be settled using the following procedures: YOU AND WE AGREE AND UNDERSTAND THAT (1) YOU AND WE ARE GIVING UP THE RIGHT TO TRIAL BY JURY AND (2) THIS SECTION PRECLUDES YOU AND US FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS. In addition, your agreement to arbitrate and waive trial by jury shall be applicable to parties acting on our behalf, including agents or independent contractors who collect your account on our behalf or purchase your account. This Arbitration Agreement is governed by the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1 et seq., and not by any state arbitration law. Except as set forth below, the parties agree to arbitrate any dispute or controversy concerning your Account or related products or services. Either party may request that the matter be submitted to arbitration.
Commencing an Arbitration: The party electing arbitration must notify the other of such election. This notice may be given before or after a lawsuit has been filed concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by papers filed in the lawsuit such as a motion to compel arbitration. If you elect arbitration you must notify us in writing at Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348. If we elect arbitration we will notify you in writing at your last known address on file.
Claim: A "Claim" is any unresolved claim, dispute or controversy between you and us, whether past, present or future, arising out of or related to this Agreement, your Account, products or services governed by this Agreement or the relationships resulting from this Agreement or your Account. "Claim" has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). Solely for purposes of this Arbitration Agreement, the terms "we," "us" and "our" also include any person or entity named as a co-defendant with us in a Claim asserted by you. Notwithstanding the foregoing, individual actions brought in small claims court (or your state's equivalent court) are eligible for arbitration; however, if the action is transferred, removed, or appealed to a different court, it shall be eligible for arbitration at either party's request.
Binding Arbitration: Binding arbitration is a means of having an independent third party (the arbitrator) resolve a dispute without using the court system, judges or juries. Either you or we can request binding arbitration. Each arbitration, including the selection of the arbitrator, shall be administered by the American Arbitration Association (AAA), according to the Consumer Arbitration Rules of the AAA. A single arbitrator shall be appointed. If you have a question about the AAA, you can contact them as follows: American Arbitration Association, 1633 Broadway 10th Floor, New York, NY 10019, 1-800-778-7879, www.adr.org. If the AAA is unable to serve as administrator and you and we cannot agree on a replacement, a court with jurisdiction will select the administrator or arbitrator, provided that no company may serve as administrator, without the consent of all parties, if it adopts or has in place any formal or informal policy that is inconsistent with and purports to override the terms of the Class Action Waiver in this Arbitration Agreement.
Powers and Qualifications of Arbitrators and Arbitration Procedures: All arbitrators will be required to be practicing attorneys or retired judges and will be required to be experienced and knowledgeable in the substantive laws applicable to the subject matter of the dispute. Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain a waiver of the AAA's or arbitrator's filing, administrative, hearing and/or other fees, we will consider in good faith any request by you for us to bear such fees. Each party will bear the expense of its own attorneys, experts and witnesses,regardless of which party prevails, unless applicable law or this Agreement gives a right to recover any of those fees from the other party. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and privilege rules that would apply in a court proceeding, and shall be authorized to award all remedies available in an individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (which shall be governed by the constitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys' fees and costs. Upon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator's award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator's award.
Class Action Waiver: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER. The arbitrator shall have no authority to conduct any class, private attorney general or other representative proceeding, and shall award declaratory or injunctive relief only in favor of the party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the court's determination shall be subject to appeal.
Rights Preserved: This Arbitration Agreement and the exercise of any of the rights you and we have under this Agreement, does not stop you or us from exercising any lawful rights either of us has to use other available remedies; to comply with legal process; to obtain provisional remedies such as injunctive relief, attachment or garnishment by a court of appropriate jurisdiction; or to bring an individual action in court that is limited to preventing the other party from using or obtaining any provisional or self-help remedies and that does not involve a request for damages or monetary relief.
In California: If an action or proceeding is initiated before any court in California and neither you nor we request that the dispute be submitted to arbitration, then, upon motion by either you or us, the dispute shall be heard by an active attorney or a retired judge selected by the American Arbitration Association (AAA) who is then appointed by the court in which the action commenced, according to the reference provision of the California Code of Civil Procedure, Section 638 et seq. This reference process is not subject to a trial by jury; the trial is conducted before the active attorney or retired judge under California law.
Enforcement: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if such claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Any dispute concerning the validity or enforceability of this Arbitration Agreement must be decided by a court; any dispute concerning the validity or enforceability of the Agreement as a whole is for the arbitrator. Failure or forbearance to enforce this Arbitration Agreement at any particular time or in connection with any particular Claims will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. If either you or we fail to submit to binding arbitration following a lawful demand, the party who fails to submit bears all costs and expenses incurred by the party compelling arbitration.
Survival and Severability of Terms: This Arbitration Agreement shall survive: (i) termination or changes in the Agreement, the Account, or the relationship between you and us concerning the Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Account, or any amounts owed on your Account, to any other person or entity. If any portion of this Arbitration Agreement (except for the Class Action Waiver set forth above) is deemed invalid or unenforceable, the remaining provisions of the Arbitration Agreement shall remain in force. No portion of this Arbitration Agreement may be amended or waived absent a written agreement between you and us.
RIGHT TO REJECT: You may reject this Arbitration Agreement by mailing a signed rejection notice to Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348, Attn: ArbitrationRejection Notice, within thirty (30) calendar days after the date of this Agreement. Any rejection notice must include your name, address, email address, telephone number and Account number. This is the only manner you can reject this section. If you do that, only a court may be used to resolve any Claim. If you reject this Arbitration Agreement, that will not affect any other provision of the Agreement.
California: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account to the extent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any joint applicant. As required by law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Delaware: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Utah: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Wisconsin: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor's interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision.
By: Transportation Alliance Bank, Inc. dba TAB Bank
Your Billing Rights - Keep This Document for Future Use.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement.
If you think there is an error on your statement, write to us at: Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348.
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter.
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
•While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
•We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.
We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases.
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1.The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we made to you, or if we own the company that sold you the goods or services.)
2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM do not qualify.
3.You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Mission Lane LLC, Customer Service, P.O. Box 31481, Tampa, FL 33631-3481.
While we investigate, the same rules apply to the disputed amount as discussed above under the section entitled "While we investigate whether or not there has been an error." After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may report you as delinquent.


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By Dr. James Dobson
"I wholeheartedly commend the Trump Administration for finally putting teeth behind the Hyde Amendment. Much like the regulations that President Reagan put into place in the 80s, this proposed change mandates that Title X federal funding grant recipients, such as Planned Parenthood, must not perform abortions in the same building where they provide family planning services supported by Title X. The Reagan era mandates were upheld by the Supreme Court in Rust v. Sullivan but tragically rolled back under Presidents Clinton, Bush, and Obama.
Those of us who stand on the side of life praise God today for a genuine victory in our fight to defend the unborn, and we continue to set our sights and prayers on finally, one day soon, overturning Roe v. Wade."
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A smart way for busy
people to stay hydrated.
A smart way for busy
people to stay hydrated.
Being busy shouldn't make you dehydrated.
Sippo is a hydration solution that knows how much you have had to drink and reminds you when you forget. It's easy to use throughout your day and is the fastest way for busy people to improve their drinking habits.
Why you need the Sippo?
Increased Physical Energy
Muscle is 80% water. When you drink the right amount, you reduce the oxidative stress and your body can performs at its peak.
Better Mental Alertness
Dehydration can cause your brain to shrink. Just by drinking enough, your brain doesn't need to work harder to perform at the same level. It even improves your memory.
Improved Productivity
Drinking the right amount of water fights fatigue. It also frees your mind of feelings of thirst, allowing you to concentrate on what you're doing better.
All-in-one hydration solution.
Secure screw capSilicon seal to keep your drink intact when you are on the move.
Stainless Steel Lined Flask14 oz (420 ml) BPA free flask for hot and cold drinks. Product weight of 0.83 lbs (375 g).
Bluetooth smart padDesigned for easy separation prior to dishwashing or cleaning using earth magnets.
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Sippo appAn easy to use app with intelligent reminders when you forget to drink.
Easy to set up.
1. Download app & install on smartphone
Get started by downloading the iPhone or Android version of our app. Open it up and follow through our quick intro.
2. Enter information & pair your Sippo cup
Enter your details so we can calculate your recommended fluid consumption. Continue the set up by pairing your Sippo cup.
3. Enjoy the benefits of mind-free hydration
Fill up your Sippo cup and let it start tracking your consumption. Now its time to get back to your busy life!
"I got my Sippo, wow what a difference. I've always had a problem at work remembering to drink enough water. Now I don't! Great work Team Sippo."
- Jay
"Being a busy mom looking after a toddler means it's just too easy for me to forget to drink. Sippo has been a life saver! I really enjoy watching my progress and reaching my goal. My friends love Sippo too and they make a great gift."
- Rach
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- Jess


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Occasionally Connected Systems Architecture: The Client
Messaging Provides the Solution
To prevent the background thread from blocking the UI thread for any significant period of time, it is important that it perform as few updates as possible. However, the amount of updates performed directly corresponds to the number of updates sent by the server; this number can be quite large when the client goes online again. How, then, can this be solved?
If the server were to package these updates in messages one at a time, as occurs in the online scenario, and these messages were to be stored until they could be forwarded when the client came online again, everything would just work. As each message would be received at the client, it would be quickly processed and any locks would be acquired and released before the user even noticed.
By building on the classic MVC and Service Agent patterns, and through intelligent use of messaging and the automatic synchronization facilities found in .NET, deadlocks and data races can be avoided in Smart Clients. Without any additional effort, a high-performance user experience is maintained even during resource-intensive synchronization with the server. In the next article in this series, you'll see the how GUIDs simplify the solution across multiple tiers.
- Model, View, Controller (Wikipedia): http://en.wikipedia.org/wiki/Model-view-controller
- Service Agent pattern: http://realsoa.blogspot.com/2005/05/service-agent.html
- NServiceBus, an open-source communications infrastructure that supports these patterns: http://www.NServiceBus.com
- Disconnected Problems and Solutions—a blog post: http://udidahan.weblogs.us/2007/03/30/entity-framework-disconnected-problems-solutions/
About the Author
Udi Dahan is The Software Simplist, a Microsoft Solutions Architect MVP, recognized .Net expert, and a member of both the Microsoft Architects and Technologists Councils. Udi provides clients all over the world with training, mentoring, and high-end architecture consulting services, specializing in Service-Oriented, scalable, and secure .NET architecture design and Web services.
He is a member of the International Speakers Bureau of INETA, an associate member of the International Association of Software Architects (IASA), a frequent conference presenter, a Dr. Dobb's sponsored expert on Web Services, SOA, & XML, and a regularly published author.
Udi can be contacted via his blog: www.UdiDahan.com.
Page 2 of 2
This article was originally published on October 30, 2007
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Typically, our fleet consists of stainless steel, insulated tank trailers with volume capacities ranging from 6,000 to 7,000 gallons. These can be used for over the road transportation, for temporary storage or long-term storage. Our equipment is always road-ready and compliant with all applicable state and federal regulations.
For more information on how our MILS Leasing division can provide solutions for your supply chain, contact our leasing services department at email@example.com or call us at 601.709.8009. You may also contact our corporate office at 601.709.8000 or after hours at 601.709.8120.


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The PEFTOK (Philippine Expeditionary Force To Korea) was one of the belligerents of the Allies during Korean War which has a 7,000 strong manpower. One of the units of the PEFTOK, was the 10th Combat Battalion.
These guys were tough and one of the UN units to repel a large-scale attack of the Chinese Intervention.
On the Battle Of Yultong Bridge as seen here, the Old and young men who fought as the Philippine Scouts last WW2 now went to Korea to support the UN forces.
Thanks for reading!


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How did YOU get so poor?
Well, for one thing – you never really worked for REAL Money. And by "REAL" – I mean: something with INTRINSIC VALUE equal or higher to the ENERGY/WORK you put in to earn it.
Gold takes A LOT of energy to produce. And I'm not just talking about the amount of human effort it takes to dig it out of the ground. Gold, you see – can ONLY be created when a STAR EXPLODES. Yes, every single atom of Gold on this planet is a result of our previous "sun" – going super nova. There may even have been two of them, before our present system took shape. You simply CANNOT have Gold – unless a you have a SUPERNOVA. (The same is true for Silver, Palladium, Platinum, Uranium, Rhodium etc.) You may be able to create some artificially in the lab – like Plutonium is, through various neutron-induced fission processes – but it would almost certainly cost MORE (energy-wise) than what we already have from supernova residue. So, nuclear alchemy aside – the Gold we have – is always going to be that which was created some 5 billion or so, years ago – when the previous sun – died.
This natural limit – GUARANTEES its SCARCITY.
And it is its SCARCITY which GUARANTEES its INTRINSIC VALUE.
Granted, in the future we may find Gold and other precious metals on planets like Mars, or even perhaps on one of Jupiter's moons. But that can never really significantly affect its scarcity, here on Earth.
What interest me is this: For centuries various cultures have worshiped the Sun – unbeknown to them – the Maker of Gold (i.e. their money.)
But today, human beings have come now to worship ("serve"- if you prefer) the maker of their modern, fiat currency – the Federal Reserve. Also, for the most part – unknowingly.
No wonder the Money Masters want to retain their God-like status in the world.
It's rather nice being worshiped.


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Plants vs. Zombies Costumes
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This homemade costume for families entered our 2015 Halloween Costume Contest.
A word from Tom, the 'Plants vs. Zombies' costume creator:
My boys, Tre (6) and Tonio (4) are absolutely in love with the video game Plants vs. Zombies (my 1 year old, Talia, had no say!!!) and I couldn't find any commercial ones available so I decided to DIY it!
I made the baby's Sunflower shoes with berets and sunflowers that I bought from Hobby Lobby. The headband I made from scratch out of yellow foam paper.
The buckethead zombie I made the mask from scratch with white foam eyes and fake zombie teeth that I adhesive caulked to a mask I custom painted. The bucket I metallic spray painted a small pail (I couldn't find a small tin bucket anywhere) and then hot glued velcro to the bottom to attach it to a black baseball cap that I sewed opposing velcro to. I made the tie from scratch with matching material (I also made the 5 white stripes on his tie to match the video game!). I filled the "knot" of the tie with poly fil and then sewed it directly to the shirt so it couldn't come off and wouldn't bother him around his neck.
The pea shooter had to be almost entirely from scratch. The pot is a real flower pot with the bottom cut out and then weather sealed (to prevent him from being scratched) the rim. I made suspenders for it out of elastic. The neckpiece is actually a foam golf visor with leaves attached to it. The helmet I had to hand carve from styrofoam which had to be sealed before being painted.
My costume (Crazy Dave) was basic clothes with a pot filled with foam to shape to my head and a fake beard that I had to trim to match the character from the game. The wagon I decorated with actual graphics from the game so people who didn't know it would see what we were supposed to look like. I hope you enjoy!
Similar costumes:


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Pervasive Computing in the New Era of AI
Pervasive computing aims at creating a smart environment with ubiquitous interconnected devices that provides unobtrusive services to the users, improving users' experience and quality of life without requiring them to know the underlying technologies. The recent development of IoT, which has largely evolved out of pervasive computing, add more to the list more features like data-driven and user participation and has wider areas of applications.
The goal of pervasive computing is to make computer devices and systems "smart", being context-aware, responsive, and adaptive to the user's context and activity. The recent developments of AI bring us many pieces of innovation and technologies that make machines and people not only faster and more efficient but also smarter. This panel discusses whether AI development changes the way of R&D and creates new opportunities of pervasive computing, and how AI technologies can be leveraged to accelerate the impact and enhance the performance of pervasive computing systems and applications.
Panel Moderator: Jiannong Cao
Dr. Cao is currently a chair professor and head of the Department of Computing at Hong Kong Polytechnic University, Hung Hom, Hong Kong. His research interests include parallel and distributed computing, wireless networks and mobile computing, big data and cloud computing, pervasive computing, and fault tolerant computing.. He has co-authored 3 books, co-edited 9 books, and published over 300 papers in major international journals and conference proceedings. He is a fellow of IEEE, a senior member of China Computer Federation, and a member of ACM. He was the Chair of the Technical Committee on Distributed Computing of IEEE Computer Society from 2012 - 2014. Dr. Cao has served as an associate editor and a member of the editorial boards of many international journals, including ACM Transactions on Sensor Networks, IEEE Transacitons on Computers, IEEE Transactions on Parallel and Distributed Systems, IEEE Networks, Pervasive and Mobile Computing Journal, and Peer-to-Peer Networking and Applications. He has also served as a chair and member of organizing / program committees for many international conferences, including PERCOM, INFOCOM, ICDCS, IPDPS, ICPP, RTSS, DSN, ICNP, SRDS, MASS, PRDC, ICC, GLOBECOM, and WCNC. Dr. Cao received the BSc degree in computer science from Nanjing University, Nanjing, China, and the MSc and the Ph.D degrees in computer science from Washington State University, Pullman, WA, USA.
Sajal K. Das
Sajal K. Das is the Chair of Computer Science and Daniel St. Clair Endowed Chair at Missouri University of Science and Technology, Rolla. During 2008-2011, he served the NSF as a Program Director in the Computer Networks and Systems division.
His research interests include wireless sensor networks, mobile and pervasive computing, cyber-physical systems, smart environments including smart healthcare and smart grid, big data analytics, IoT, distributed and cloud computing, security, and social networks. He has directed numerous funded projects and published extensively with more than 650 research articles in high quality journals and refereed conference proceedings. He holds 5 US patents, co-authored 52 book chapters and four books titled, Smart Environments: Technology, Protocols, and Applications (2005), Handbook on Securing Cyber-Physical Critical Infrastructure: Foundations and Challenges (2012), Mobile Agents in Distributed Computing and Networking (2012), and Principles of Cyber-Physical Systems: An Interdisciplinary Approach (2017). His h-index is 73 with more than 22,500 citations according to Google Scholar. He received 10 Best Paper Awards at prestigious conferences like IEEE PerCom and ACM MobiCom. He is a recipient of numerous awards for research, teaching and mentoring including the IEEE Computer Society's Technical Achievement Award for pioneering contributions to sensor networks and mobile computing. He serves as the founding Editor-in-Chief of Elsevier's Pervasive and Mobile Computing journal, and as Associate Editor several journals including IEEE Transactions on Mobile Computing and ACM Transactions on Sensor Networks. A (co-) founder of IEEE PerCom, IEEE WoWMoM, and IEEE SMARTCOMP conferences, he has served on numerous conference committees as General Chair, Technical Program Chair, or Program Committee member. He is an IEEE Fellow.
Christian Becker
Christian Backer studied Computer Science (Informatik) at the Universities of Karlsruhe and Kaiserslautern. He received his Diploma in 1996. Following to this, he worked as a researcher at the distributed systems and operating systems group at the University of Frankfurt. He received his PhD in 2001 with a thesis about "Quality of Service Management in Distributed Object Systems". In 2001 he joined the distributed systems group at the University of Stuttgart. His research focussed on system support for Pervasive Computing and Context-Aware Computing. In 2004 he received the venia legendi (Habilitation) for Computer Science (Informatik) with a thesis about "System Support for Context-Aware Computing". In 2006 Christian was a visiting professor for Distributed Systems at the University of Duisburg-Essen. Since September 2006 he is a full professor at the University of Mannheim where he holds the chair for Information Systems II (Lehrstuhl für Wirtschaftsinformatik II). Christian's research interests are distributed systems and Context-Aware Computing. He is an associate editor of Springer's Electronic Commerce Research Journal. Furthermore, he is a member of the IEEE Intelligent Ubiquitous Computing Task Force and of the steering committee of the special interest group on distributed systems in Germany (erweitertes Leitungsgremium der Fachgruppe Kommunikation und Verteilte Systeme der Gesellschaft für Informatik e.V.). Christian is involved in a number of international conferences – e.g., IEEE PerCom, UbiComp, IEEE MDM, Pervasive – where he serves on the technical program committee or as conference officer. He published more than 130 papers in international journals and conferences.
George Roussos
George Roussos holds a B.Sc. in Mathematics from University of Athens, Greece, an M.Sc. in Numerical Analysis and Computing from University of Manchester Institute of Science and Technology, UK, and a Ph.D. from Imperial College of Science Technology and Medicine, University of London, UK. Before joining Birkbeck College in 2002 he worked as the Research and Development Manager for a multinational information technology corporation in Athens, Greece; as the Internet security officer for the Ministry of Defence, Athens; and as a research fellow for Imperial College, London. He is currently the Head of the Experimental Data Science group at Birkbeck and the Professor of Pervasive computing. His current research interests include the effects of social activity on system architectures, mobile health, and mechanisms to support navigation and findability. He is a member of the ACM and the IEEE Computer Society.
Yu Wang
Dr. Yu Wang is a Professor of Computer Science at the University of North Carolina at Charlotte (UNC Charlotte). He holds a Ph.D. from Illinois Institute of Technology, an MEng and a BEng from Tsinghua University, all in Computer Science. His research interest includes wireless networks, mobile social networks, smart sensing and mobile computing. His research has been continuously supported by federal agencies including US National Science Foundation, US Department of Transportation, and National Natural Science Foundation of China (NSFC). He has published over 150 papers in peer reviewed journals and conferences, with four best paper awards. He has served as general chair, program chair, program committee member, etc. for many international conferences (such as IEEE IPCCC, IEEE INFOCOM, ACM MobiHoc, IEEE ICDCS, IEEE GLOBECOM, IEEE ICC). He has served as Editorial Board Member of several international journals, including IEEE Transactions on Parallel and Distributed Systems. He is a recipient of Ralph E. Powe Junior Faculty Enhancement Awards from Oak Ridge Associated Universities (2006), Outstanding Faculty Research Award from College of Computing and Informatics at UNC Charlotte (2008), and Overseas Young Scholars Cooperation Research Fund from NSFC (2014). He is a senior member of the ACM, IEEE, and IEEE Communications Society.
Paul Castro
Paul Castro, Ph.D. is a Research Staff Member at the IBM Watson Research Center. He has been active in research on mobile and pervasive computing, cloud infrastructure, wireless location systems, location databases, stream processing, and enterprise web applications and has been awarded several patents in these areas. Dr. Castro is the past Chair of the Mobile Computing Professional Interest Community at IBM Research. He has worked on cloud services for supporting mobile applications running on various smart phone platforms. Work from his research in the area of multi-device application support was recently released as part of the IBM Bluemix Mobile Backend as a Service. He has earned IBM Technical Achievement Awards for the IBM SmartCloud Web Meetings for mobile clients and the Intelligent Notification System. He worked extensively on enterprise solutions work for the Apple+IBM partnership. Most recently, he worked on IBM OpenWhisk for Bluemix, with a focus on mobile solutions. OpenWhisk is an open source, serverless platform that is currently part of an Apache incubator. He is currently exploring ways to apply use OpenWhisk to enhance developer access to IBM's Watson Cognitive services.