Here's another 'fiscal cliff' worry: tax-filing delays

With some investments already feeling the pain of the looming cliff, millions of Americans are at risk of being affected. The first to consider is the expiration of the Bush-era tax cuts, according to CNBC's Jackie Deangelis.

By Allison Linn, TODAY

If you?re the type of person who likes to file your income tax return as soon as possible, then you?ve got another reason to be frustrated by the fiscal cliff stalemate in Washington, D.C.

Most of the tax changes being discussed as part of the fiscal cliff negotiations would go into effect in 2013, meaning that taxpayers would first have to account for them when they went to file those tax returns in early 2014.

But a handful of the provisions under discussion could affect Americans? 2012 taxes. The down-to-the-wire negotiations in the nation's capital could leave the IRS scrambling to adopt the changes in its systems, delaying the agency?s ability to accept some people?s returns.

?Congress oftentimes waits until the last minute to pass legislation, and then that in a turn affects the IRS,? said Bob Meighan, vice president with tax software provider TurboTax.

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That's definitely been the case this time around. Just a few days before the end of the year, Congress has not been able to come to an agreement over a series of tax increases that are scheduled to go into effect Jan. 1. President Barack Obama said Friday that he was "modestly optimistic" a deal could still be reached to avert going over the so-called fiscal cliff.?

Acting IRS Commissioner Steven T. Miller has already warned that there could be serious filing delays if Congress doesn?t provide a patch for the Alternative Minimum Tax. An IRS spokesman said Friday that the agency did not have any further information beyond the warnings Miller gave to lawmakers in a letter earlier this month.

The AMT is a provision in the tax code that was designed to ensure that wealthy taxpayers have to?pay at least a minimum amount of taxes. It was never indexed for inflation, however, so Congress has had to provide temporary fixes over the years to ensure that lower-income taxpayers aren?t affected.

That hasn?t happened yet this year because of the fiscal cliff stalemate. In the letter to House Ways and Means Committee Chairman Dave Camp earlier this month, Miller, the acting IRS commissioner, warned that if Congress doesn?t provide a patch this year, then the IRS would have to make significant programming changes to account for that.

?In that event, given the magnitude and complexity of the changes needed, I want to reiterate that most taxpayers may not be able to file their 2012 tax returns until late in March of 2013, or even later,? Miller wrote in the Dec. 19 letter.

Miller also warned that as many as 30 million additional taxpayers could be subject to the AMT if a patch isn?t put in place.

For now, Miller said the IRS is acting as if Congress will provide an AMT patch.

Meighan, of TurboTax, said his company also has prepared its software as if a patch will be in place. But he said the company also is ready to?switch gears quickly if it must.

Meighan said a few other provisions under discussion as part of the fiscal cliff negotiation could affect a minority of taxpayers in 2012. Those include a deduction teachers get for school supplies they purchase for their classrooms and a tuition and fees deduction that applies to some students.

"It's really gotten to a point now where you have the ideological divisions in the country overlapped now with the partisan divisions," said CNBC's Chief Washington Correspondent John Harwood.

The IRS has had to ask people to delay filing their returns before. In 2010, Congress passed last-minute tax law changes on Dec. 17. As a result, the IRS said it wouldn?t be able to accept returns with itemized deductions until February of 2011 because it needed time to adjust its systems.

If people are forced to wait to file their tax returns, that would also mean a delay in getting tax refunds. Roberton Williams, a senior fellow with the Tax Policy Center, said that in turn could have some effect on the economy because many people count on that money to pay off debt or buy big-ticket items.

If the AMT isn?t patched at all, he noted, that would be an even bigger economic hit because some taxpayers wouldn?t get their expected refund at all.

?That will have a major effect on the economy,? Williams said. ?It will be pulling a lot of money out of the economy that people are expecting.?

Despite the Congressional deadlock, experts say they are still assuming a deal will be made to put the patch in place.

?For most people, come 2013 they?ll be able to file their taxes, they?ll get their refund and life goes on,? Meighan said.

{"contentId":"16216387","totalVotes":"16652"}

When do you usually file your taxes?

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Source: http://lifeinc.today.com/_news/2012/12/29/16216387-heres-another-fiscal-cliff-worry-tax-filing-delays?lite

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Re: SOURCE/CITATIONS - Family Tree Maker software - Family ...

This is what the REPOsitory record is for.

Fact->Citation->Source->SourceRepository->Repository

Fact contains the information
Citation contains the where found in source
Source contains complete information about the source
SourceRepository contains location of source in Repository
Repository contains the location of the source

For example: A birth certificate.

Fact = Birth of person, name of parents, location of birth
Citation = detail description of information
Source = general information about certificate
SourceRepository = Index, file drawer in your home library
Repository = Your home library.

Similar this can be done for books you own, documents, recordings of interviews. Not a perfect system but this is what the general use of the tags/fields are used for.

Source: http://boards.ancestry.co.uk/topics.software.famtreemaker/9282.1/mb.ashx

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Destination Of Your Desired Product - ArticlesWide.com ...

The letters and numbers you entered did not match the image. Please try again.

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Source: http://bryantkirk2801.typepad.com/blog/2012/12/destination-of-your-desired-product-articleswidecom.html

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Rugby Wagering Tips ? Recreation and Sports

Rugby is one of the few sports that present thrilling exciting action all through. The sport also enjoys commendable representation internationally through world cup championships and continent-based competitions that are held all over the world . In addition , Quite a few people love watching rugby which makes it a good sport to place your wagers on. Nevertheless, you cannot place your bet from the blues and expect to be on the winning side. You need to have some facts in mind before placing your bet. Rugby free picks and betting tips are offered on several sites that will assist you on who to wager on.

One of the most successful ways to evaluate a wise destination of your bet is to evaluate the history of the competing teams. Anyone who has been an avid follower of any international rugby championship can testify that not all top-ranked teams will prevail in their most crucial matches. For instance, New Zealand rugby team which is unanimously considered to be best team in the world has only won the world championships once even though the South African team which is ranked behind it has won the title twice. However, at the early stages, betting for the teams ranked high would be advantageous. Some of these teams include New Zealand, France, South Africa, Wales, England, Scotland, Fiji, Australia and Ireland.

Top rugby players are also a good betting strategy for you and this makes it worth to know the best rugby players in the Diaspora as well as upcoming rugby players. Many of these top rugby players include Brain Driscoll from Ireland, Heinrich Brussow from South Africa, Richie McCaw from New Zealand, Du Preez from South Africa, Dan Carter from New Zealand , Jamie Heaslip from Ireland and Matt Giteau from Australia.

In addition, following rugby action closely will also save you a great deal of time. The best rugby predictions are made with a good amount of updates on the recent injuries that every team is having at hand, you can easily select which team has a better chance of winning the match that you are betting for.

Tags: free picks, rugby predictions

This entry was posted on Thursday, December 27th, 2012 at 10:31 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

Source: http://recreationandsports.emilie.org/uncategorized/rugby-wagering-tips/

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Moshi Monsters Moshlings Theme Park (3DS) Review - Nintendo Life

Goopendous or a Moshi-mess?

Moshi Monsters Moshlings Theme Park is based on the Moshi Monsters website, a popular Neopets-style virtual pet game that lets you adopt a monster, customise its home and play mini-games to collect prizes. The franchise's first video game outing took the monsters to a zoo, and now they're taking a break to vacation at a faraway amusement park. This latest game opens with various Moshi Monsters bailing out of a plane over the Moshlings Theme Park, scattering the little critters everywhere. It's your quest to rebuild the theme park, round up the monsters, and play mediocre digital approximations of carnival games.

The main focus of the game is on rebuilding the titular theme park, over six distinct areas. You play as a different Moshi Monster in each area, and work through a relatively linear chain of Arcade games (carnival-style mini-games) and Rescue Rooms in order to eventually unlock that level's Ride (a slightly more ambitious mini-game). The Arcade games include a Breakout clone, Moshi-themed Whack-a-Mole, a claw-prize game, a pie-flinging shooting gallery, and air hockey. None of them are any more exciting than they sound, unfortunately, though the Breakout clone and air hockey can be fun in short bursts.

The Rescue Rooms are where the game's star creatures are released from their oddly similar-looking prisons, and these are more interesting than the Arcade games, but marred by slow movement and slightly sloppy controls. You tap a button to "call" the monsters towards safety on the left side of a level, while manipulating a grabber and boxing glove arm to clear their way of obstacles and pick up gems and batteries. The touch screen controls are wonky here: sometimes a hard left will register as a right before fixing itself, and everything seems to need to happen "on the beat", which can feel unresponsive. Also, having to hit the "call" button to keep your Moshi Monster moving leftward makes for a lot of awkwardly incessant tapping.

Once you rescue your Moshi Monsters or Moshi eggs, you can play with them in the Monster Habitats and Nurseries. You can drag toys into the playroom or feed them treats, and play little stylus-based mini-games to give them a bath, prepare hot dogs for them (as you do), serenade them with Simon Says xylophone melodies, and help them get through exercise courses. The mini-games are simple, and reminiscent of Flash-based website diversions, though the lack of any customisation makes them a step down from the actual Moshi Monsters website games. Younger players will likely enjoy these ? though nearly every activity ends with a prompt to blow into the microphone, so be prepared for some spittle on little 3DS screens.

The final parts of each area are the Ride Regenerator and the subsequent Ride. The Regenerators are simple puzzles, while the Rides are unique mini-games for every level, including rollercoaster runs and and white water rapid rides, among others. These have the most potential of any of the mini-games, but sadly, the controls are a real let down. The first area's ride (a downhill kart ride through a tubular chute) is nigh on uncontrollable, with the touch screen's joystick nowhere near sensitive or responsive enough to gather collectables or avoid obstacles with any precision.

Each of the park's six areas feature these same attraction types, and while some are better than others, the uneven quality only exacerbates one of Moshlings Theme Park's worst problems: nothing is skippable. To unlock the Rescue Rooms in each stage, you need to play the same five Arcade games every time. To unlock the Rides, you have to collect every single battery from each of the Rescue Rooms. The only optional areas are the Nurseries and Habitats ? and these are ironically the most enjoyable parts of the game. For a game aimed at younger players, the insistence on beating every game type and finding every last collectable before advancing stages seems like a real misstep.

The biggest issue, however, and one that will be a constant annoyance to kids and adults alike, is that Moshi Monsters is an exceedingly slow game. Not only in terms of pacing, but movement as well. You move your Moshling around the theme park by tapping left or right on the touch screen, but your monsters move with all the speed of Moshi-molasses. It takes an incredibly long time to get anywhere, and your Moshling will insist on stopping at all points en route. There are no express routes in Moshlings Land. To saunter from one end of an area to the other takes about 70 seconds (yes, we counted!) ? and that's something you have to do routinely to select from all the different activities in each level, as the side-scrolling areas essentially act as animated menus. It's pointless, tiresome and excruciating enough to make you think twice about traipsing back to the beginning of an area for anything.

Moshi Monsters' presentation is nothing to write home about, though the bright colours and cartoony graphics will probably be fine for the game's younger audience, who are used to seeing these creatures in website form. It's essentially an average looking DS game, and the 3D effect only serves to create depth between the screen glass and the still-flat-looking game. The music is mostly looping, low-sample-rate MIDI guitar rock, with a few catchier tunes popping up from time to time.

There are a few thoughtful touches that younger games will appreciate, however, like the tactile opening of presents by sweeping the stylus back and forth across the on-screen package. Better still is the game's use of the 3DS' features: there's StreetPass integration for swapping high scores and exchanging "Visitors" (monsters that wander around the park and can come with bonuses), and a cool little AR mini-game (using the '?' card included with the 3DS) to unlock bonus Moshlings. These extras don't make up for the game's problems, but they're welcome additions nonetheless.

Sometimes licensed games made for younger players can surprise us, and exceed our expectations. Sadly, this is not one of those times. Moshlings Theme Park eschews the customisation-based gameplay of its source material in favour of generic, forgettable arcade games, cutting out much of what makes the franchise popular in the process. Poor controls and slow movement pull it down even further, and its strictly average presentation does nothing to help. The game comes with a coupon for a seven day Premium Membership to the Moshi Monsters website in the box, and we'd bet that most players would be much happier with that offer than the actual game.

Source: http://www.nintendolife.com/reviews/3ds/moshi_monsters_moshlings_theme_park

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New Hawaii Sen. Brian Schatz: Climate Change Is the "Most Urgent Challenge of Our Generation" (Little green footballs)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/273479333?client_source=feed&format=rss

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Egypt's government sets priorities after charter

CAIRO (AP) ? Egypt's government asked parliament Wednesday to prioritize legislation to organize parliamentary elections, regulate the media and fight corruption as the upper chamber held its first session with temporary new powers granted by the constitution.

The Islamist-dominated Shura Council, the traditionally toothless upper house, was granted temporary legislative powers under the new constitution and began its work a day after the official results of the referendum were released, showing the charter passed with a nearly 64 percent "yes" vote. It will legislate until elections for a new lower house are held within two months.

The disputed, Islamist-drafted constitution deeply divided the nation, though its supporters insisted it would pave the way for more stability in Egypt and the building up of state institutions.

President Mohammed Morsi has had legislative powers for months since a court dissolved the law-making lower house of parliament.

In its first act after the constitution passed, the Shura Council convened to swear in 90 new members appointed by Morsi. Two-thirds of the council's 270 members are elected, and one-third are appointed by the president.

Speaking to the council, the Cabinet minister in charge of parliamentary affairs, Mohammed Mahsoub, said the government will prepare new legislation for parliament to discuss, including a law to regulate the upcoming parliamentary elections, anti-corruption laws, and laws to organize Egypt's efforts to recover money from corrupt officials from the era of ousted President Hosni Mubarak.

Mahsoub said such bills can be ready as early as next week, when the council convenes again for its regular working session.

He said the government also wants to draft laws to revise maximum and minimum wages, expand social insurance coverage and regulate the media, as well as institute Egypt's first freedom of information act. Such bills, he said, are in line with the new constitution.

"I congratulate the Egyptian people on behalf of the government for the passing of the constitution of the second republic, which establishes a modern democratic state where the people's voices are heard and where injustice, dictatorship, repression, nepotism and corruption take a back seat," Mahsoub told the session.

"At this critical time for the nation, this respected council is required to pass a set of laws for the state to complete building its institutions," he said.

Mahsoub called on the opposition to join in national reconciliation and participate in state institutions.

The main opposition group has rejected the constitutional process and questioned the legitimacy of the charter itself, saying it was rushed through without enough national consensus.

The largely liberal and secular opposition has rejected presidential appointments to the upper house. It says it will instead contest the upcoming parliamentary elections and hopes to achieve a sizeable representation to challenge the constitution.

The opposition will be watching the Shura Council to see whether new legislation increases civil liberties and addresses poverty and social inequalities ? or increases the ability of the state to crack down on its critics and impose an Islamist rule, as many fear.

Critics say the new constitution enshrines Islamic rule in Egypt, restricts freedoms and ignores the rights of women and minorities.

Mahsoub addressed growing fears in Egypt of an impending economic crisis.

"The government reassures all about the economic situation," said Mahsoub. "We don't have an economic problem; essentially it is a political problem that is affecting the economic situation ... We call for reconciliation to impact positively on the economy."

Source: http://news.yahoo.com/egypts-government-sets-priorities-charter-142132944.html

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Engadget UK Giveaway: win a Nexus 4 courtesy of MobileFun

Who cares whether you've been naughty or nice this year? Not UK phone and accessory retailer MobileFun.co.uk, that's for sure. Because the team there has been kind enough to pass along one shiny new Nexus 4 for us to give away (indiscriminately) to one lucky UK reader. MobileFun sells the latest in mobile tech all year round, but if Santa didn't give you everything you wanted, there's a good chance it's on sale over there, so do go check it out. Not until you've entered the competition by leaving a comment of course. Good luck!

The rules:

• Leave a comment below. Any comment will do. Duplicate entries will be filtered out and discarded, so adding additional comments won't increase your likelihood of winning.
• This contest is open to all UK residents -- aged 18 years or over! Sorry, we don't make this rule (we hate excluding anyone), so direct your anger at our lawyers and contest laws if you have to be mad.
• Winners will be chosen randomly. One winner will receive one (1) new Nexus 4. Service does not come included with the prize.
• If you are chosen, you will be notified by email. Winners must respond within three days of being contacted. If you do not respond within that period, another winner will be chosen.
• This unit is purely for promotional giveaway. Mobilefun.co.uk and Engadget / AOL UK are not held liable to honor warranties or customer service.
• The full list of rules, in all its legalese glory, can be found here.
• Entries can be submitted until 30th of December, 2012 at 23:59 GMT.Good luck!

Filed under: Cellphones, Mobile

Comments

Source: http://www.engadget.com/2012/12/27/engadget-uk-giveaway-win-a-nexus-4-courtesy-of-mobilefun/

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Optimizing Your Company Phone in Simple Ways - TanCoSin

The telephone is undoubtedly the most important communications equipment in every business. It connects employees from one another and allows the company to reach out to potential or existing clients. In a day where business telephones have become a must, business decision makers should take steps to optimize their company phones even in the simplest ways to ensure that all business communication needs are met and exceeded. Below are specific ways on how you can carry out such a feat for your business telephone.

Analog vs. IP Phones

Some modern phone systems can course calls through IP (internet protocol) connections, providing a greater range of flexibility in making calls than the common copper wired telephone. It is advisable to use VoIP for functions such as (but not limited to) long distance calls and local calls because they are generally more cost-effective than hard-wired analog phones that uses resources from large carriers like AT&T or Rogers. While analog calls still retain the time-tested characteristics that make communications flawless, a lot of phone companies have created their systems with 99.9% uptime and with failover redundancy. Others would even allow you to switch from IP to analog calling when network connections are down.

Email Integration

Company phone systems that use IP networks can also obtain the ability to merge with email clients such as Microsoft Outlook to retrieve contact information from callers. Once a call is received, the name and phone number of the customer gets automatically matched with existing records in your email contact database and their complete customer profile is brought up on screen. From there, you can get a thorough idea of who your caller is, and you will know how to serve his or her needs better. Other phone systems like RingCentral, meanwhile, allow you to manage the same details from a navigable dashboard which can be accessed through a plain browser or through a call controller which can be installed on your computer.

IP Multimedia Subsystem or IMS

Company phones can also be taken to the next level through IMS functions. This so-called IMS allows any user to send and receive multiple types of media across a network, so you are not limited to voice calls, voicemail, email, or internet fax alone. It also allows you to communicate via digitally ?heavier? means like video conferencing.

Business Intelligence

If you have successfully integrated email into your company?s phone system, why not take it a notch higher and integrate business intelligence (BI) solutions to it? You can create databases, local and/or cloud-based, to archive information about your customers or use BI-specific services or applications to warehouse business data. Incorporating both your phone and vital information coming from customers properly will allow for a more streamlined and targeted customer relations efforts that can open more doors of opportunity.

Complicated as it may seem, optimizing your company phone to simplify communications can provide your organization the competitive market advantage that will set you apart from your contemporaries.

Leiden Johnson

Leiden Johnson is a photographer by trade but loves all those geeky, tech stuff and the outdoors. If she's not working or going out, you can see her in front of her computer either writing about anything or playing MMORPG?s which helps her to be more creative in her photoshoots. More articles by Leiden Johnson ?

Source: http://www.tancosin.com/gadgets/optimizing-your-company-phone-in-simple-ways/

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dmitrich - payday loan apr - Get a personal loan even with bad credit.

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Depending on your condition associated with residence, job position as well as earnings, you'll be able to be eligible for credit up to $1500, and some loan providers may loan no more than $500. You'll have a possiblity to discover how much you be eligible for a prior to agreeing to just about any bank loan agreement.

There is an essential legal big difference between a present and also a loan. A really generous family member or even pal may offer you $5000 for vehicle repairs, as an example. When there isn't any expectation associated with repayment, the cash can be viewed a present. The particular giver couldn't sue with regard to repayment later on within a civil suit. But when the borrowed funds supplier designates the money just like a bank loan and also the customer will pay back even a buck, the amount of money can be viewed as a real loan and also the loan company may need repayment whenever. Little statements legal courts invest a lot of time identifying no matter whether a transaction which includes cash will be a gift or perhaps loan. For this reason documents is important when making personal financial loans in order to close friends or even loved ones.

The needs to get that loan are quite obvious. If you're employed, having a month to month revenue involving $800 or even more, this will let you checking account, you satisfy the fundamental qualifications. A number of creditors within our network may have extra needs.

Cash financial loans tend to be unguaranteed financial loans eliminated on the following wage. Since they are short-term lending products, they could be small; different from $100 to $1500 and repayment arrives in the next pay day. They could be very useful for conquering a brief financial unexpected emergency, yet shouldn't be thought to be the long-term fiscal option.

Payday Loans

Many loan programs tend to be addressed by finance institutions or other expert loan providers. They might make use of a various criteria to find out if the possible client is actually skilled for a financial loan. Previous credit rating is practically usually regarded as, together with existing revenue and also assets. The goal of the credit may also be an issue-a established expense opportunity could have a lot more appeal as compared to an misdirected idea for any new cafe. One essential point could be the earnings to financial debt ratio in the client. Could the customer manage to spend the money for loan back interest? Skilled loan providers essentially 'sell' money, consequently customers must be aware simply how much funding really 'costs' in relation to real cash.

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Source: http://dstonogov.livejournal.com/323556.html

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Red Wings Owe Detroit Cable Debt, Records Show

Detroit News:

Detroit -- Mayor Dave Bing pledged last week to get tough on the city's debtors, but he and other mayors have never collected on tens of millions of dollars that could be owed by the owners of the Detroit Red Wings.

A little-known provision in Olympia Entertainment's lease of city-owned Joe Louis Arena and Cobo Arena promises Detroit a 25 percent share of cable television rights for live events. That's been the deal since 1980, but Detroit hasn't been able to collect a dime, according to city documents obtained by The Detroit News.

Read the whole story at Detroit News

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Source: http://www.huffingtonpost.com/2012/12/26/red-wings-owe-detroit-cab_n_2364343.html

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From the mail bag: What the heck does deodexed mean?

Clark writes,

What the heck does odex and deodex actually mean? I see the terms mentioned in almost every custom ROM thread and can't find an answer that I can understand. I'm hoping that Android Central can help out.

Awesome question, Clark. And one I think we can answer in terms that most folks will understand. As you've noted, you see the terms odex and deodexed in many forums posts about custom ROMs or assorted hacks for phones and tablets both. It takes a lot of work for developers to create deodexed ROMs from "stock" ROMs, like the ones offered from both OEMs and Google alike.

To begin, we need to know what an odex file is.  It's a part of an application (the .apk file) that has been prebuilt to make the Dalvik Virtual Machine load it faster using less resources. If you look in the /system/app/ folder on your Android phone or tablet, you'll see that just about every application has both an .apk file and an .odex file. These files work together through the Dalvik VM to make the apps run as they should on our devices. Let's break it all down after the break.

read more

Source: http://feedproxy.google.com/~r/androidcentral/~3/8W3nTvz6BKo/story01.htm

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Pay Day Loan: Advice From Loans Expert

Anyone who is struggling with financial disaster is desperate to look for an immediate fix. Although there are numerous financial solutions available, pay day loans is the most preferred by many. Such lenders are very helpful during crisis however; as a borrower, you should utilize this option with utmost care. Take the advice of loans expert to help you get out of the financial situation.

According to loans expert, after you obtain the pay day loan, you must start to plan your budget. Make some adjustments on your budget to repair your finances as soon as possible as the amount of money that you borrowed should be repaid. Do not ignore the costs in terms of paying off your pay day loan and you should make a plan for your budget in the future. It is crucial that you must be aware about all the figures associated to your pay day loan to avoid surprises later on. Take note that this kind of loan usually charge high interests. If you do not repay the money immediately before the deadline, chances are that you will pay more as the interest accumulates every month. That is why; the advice of a loans expert is to fix your budget immediately.

Another advice of loans expert is that you must provide all the necessary documents when applying for pay day loan. This is to ensure that the application process runs smoothly and any delay can be avoided. Regardless of your financial situation, do not piggy-back your loans. Obtaining multiple pay day loans is a big no for loans expert. Never place yourself in a difficult situation in which you can no longer repay the money that you borrowed regardless of the income that you make.

If you have a bad credit, you may not be allowed to make a loan or the lender can give you exorbitant terms if ever you will be accepted. Remember that no credit and bad credit are the different. Before applying for any pay day loan, loans expert recommends that you should consider how will your credit history affects your application. When the time comes that your lender will collect your payment, make sure that you have sufficient money in your account. Depending upon your circumstances, there is a possibility that you can miss your payment. When this happens, this can result to more penalties and fees. Loans expert says that although you can obtain pay day loan immediately, this can cause lead to more financial hardship. That is why, it is important that you understand how the process works.

Source: http://www.articlesnatch.com/Article/Pay-Day-Loan--Advice-From-Loans-Expert/4344411

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How Badly Do You Need Hearing Aid Repair | ArticlePDQ.com

Although hearing impairment is one of the most prevalent disabilities, many people who are affected do not fully understand the problem and are often unwilling to seek treatment. Generally the pain associated with gout is felt in the early morning hours when the sufferer is asleep. Hearing problem is one such critical issue that has been on the rise rapidly within a very short span of time. When first attaching your aid, you will want to stand directly in the front of a traditional mirror at an angle that makes it easy for you to see your ear. They are hesitant to do anything about their hearing because they do not know who to trust.

They want to engage in conversations with a spouse again, too. Selecting the proper technology takes into account your unique hearing loss, your lifestyle requirements and even your budget. This has made it possible for people to actually program their own hearing aids by connecting them to their computer. This allows the system to deliver a much better listening experience that will what is available through the classic Hearing Aid model. Your life will always be enjoyable and pleasant with the help from this extremely unique and appealing ear amplifier hearing aid.

As a result, those who have a hard time manipulating smaller objects may find this a bit harder to manage. The only downside it has is that you need to substitute the battery as soon as each month. Contact the Veterans Administration in your area and ask them about the financial assistance programs and rehabilitative services they have available. Once the attack has passed, you may drink these in very moderate amounts although there may be an indication that stopping these altogether will spell gout relief for good. If your battery door will not close, check your placement and positioning.

These feature a wide range of designs and styles and can be used by both male and female wearers. It actually does not go as deep into the ear as others do. Help is available, however, through a private, national lease plan, in which clients pay $15 monthly towards full purchase while using the device. The cuff that comes with this monitor also has a stethoscope built into it. If you are unable to explain what?s going on and what you are able to hear, you will end up frustrated and give up on trying to come up with a solution all together.

You?ll also find better versions of the feedback reduction and background noise reduction than found in less expensive models. This model does not amplify sounds of high intensity. I can attend my college regularly without missing any single class. Because she could recognize and process speech, the choice was created to fit both ears which gave her more natural hearing and better word understanding. Gout is unfortunately a type of arthritis that many have suffered through for centuries.

It is pretty rare for any age group to pay the expensive fee offered by service providers. He completed an internship at UCLA, served as a member of the cranio-facial team at Orthopaedic Hospital and has provided diagnostic and rehabilitative services to many local medical offices before starting his own practice. Another test is tympanometry which evaluates the middle ear?s ability to conduct sound. Look around and see what your options are. This model costs approximately $1899.

The private programmable hearing aids are a brand new technology that enables people to adjust the controls of their hearing machine through an web platform supplied by the service provider. Its batteries last for a minimum of 3 years. A small percentage of people may experience permanent loss. There is a common misconception that a hearing aid acts just like a pair of glasses does but for your ears rather than your eyes. Ask someone with normal hearing if they can hear a high pitched whistle coming from your hands.

They have earned popularity for their digital hearing aids. On the afternoon of October 9, Adam Baker called 911 to report his 10-year-old daughter missing.
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Source: http://articlepdq.com/health-fitness/how-badly-do-you-need-hearing-aid-repair/

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Video: NRA speaks out, reignites gun control debate (cbsnews)

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IFixit loves new tech devices, especially in pieces

SAN LUIS OBISPO ? Jake Devincenzi was thrilled to get his hands on Google's new Nexus 4 smartphone. He admired its sleek black case and large touch screen ? and he couldn't wait to tear it apart.

In a small room cluttered with discarded computer parts, Devincenzi picked up a blue plastic stylus and eased the tool into a seam on the side of the phone as three co-workers watched.

Minutes later, a pop. The tear-down had begun.

"We're in," he said, and grinned.

Each time Devincenzi plucked a part from the Nexus 4, he took a high-resolution photo and posted it online. By the end of the week, more than 60,000 people had scrutinized the tear-down, curious to know what was inside.

Devincenzi, a 20-year-old Cal Poly San Luis Obispo student, works part time for IFixit, a company that has less of a business mission than a manifesto: "Repair is independence. We have the right to remove 'Do Not Remove' stickers."

With the helping hands of technicians such as Devincenzi and repair guides written by volunteer tech experts, IFixit is tapping into growing frustration with cellphones, tablets and computers that, once broken, are almost impossible to fix. The company says it wants to teach people how to repair electronic devices once again ? and will sell them the tools to do it.

The company's logo is a clenched fist thrusting a wrench in the air.

"It's not like it was 10 years ago, when you could open things up and kind of half-recognize what was in there," said Sean Campbell, a technology industry analyst with the Oregon research firm Cascade Insights. "I think most people have given up."

To IFixit staff, every high-resolution photograph of naked phone bits splayed across a table is a small act of rebellion against big technology companies like Apple, Google and Samsung. Tear-downs, they say, are a rallying cry for the common man to grab a screwdriver and take back the right to do it yourself.

"We're not necessarily actively anti-Apple or anti 'the Man,'" said Scott Dingle, 25, a customer service representative. "It's more like, we train other people to do it themselves."

What is now a staff of 35 began as two people. In 2003, Cal Poly San Luis Obispo freshmen Kyle Wiens and Luke Soules started selling laptop parts out of a dorm room. When they couldn't find manufacturer-issued repair guides, they wrote their own. The first manual they posted online got 10,000 page views in the first weekend.

They moved their business to a three-car garage, then a house, then a loft-like two-story office in downtown San Luis Obispo. Most IFixit employees are younger than 35. Many grew up taking apart toasters.

Last year, IFixit earned $5.9 million in revenue by selling parts, kits and tools. Some of their more popular items include a "spudger" to adjust small wires, a five-sided screwdriver that fits Apple's proprietary screws, and a magnetic mat to keep track of tiny pieces that come loose.

Some of its tools resemble teeth-cleaning instruments. That's because the first tools IFixit used had been discarded by a dentist.

After Christmas, the company usually sees a spike in sales of parts, Wiens said. He attributes that to people who decide to repair their old gadgets if they don't get a new one as a gift.

Soules, 28, is the business mind. He runs the in-house shipping center and handles the money. The revenue he oversees covers operating costs, including salaries, tear-downs and expensive trips to buy gadgets the moment they come out.

Wiens, 28, is the chief executive and the ideas guy. In college, he dreamed of building a robot that would pick strawberries. Today he dreams of a world where computers don't wind up in landfills, but are fixed instead.

On the Friday before Thanksgiving, workers gathered at IFixit headquarters. Bikes, homemade robots and vintage pinball machines crowded the entryway. Upstairs, an employee's dog sniffed past an 8-foot-tall potato launcher and into the office break room, where Wiens' wife had prepared dinner for more than 50 people.

Spouses and significant others settled on couches to eat. The pingpong table became a dining room table. A baby cried.

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/gjVzle9P-M8/la-fi-ifixit-20121225,0,1689995.story

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Israel rejects US gun lobby claims on its security

FILE - In this March 7, 2008 file photo an ultra-orthodox Jewish youth peers through a bullet-riddled glass door before the funeral of eight yeshiva students killed in a shooting attack at the Mercaz Harav Yeshiva in Jerusalem. America's top gun lobbyist has his facts wrong when he holds up Israel's stationing of armed guards at all schools as a model of how to avoid another massacre like the Dec. 14, 2012 slaughter of 20 first-graders and six adults at a Connecticut elementary school. What's more, the gun laws in Israel, a country where most people serve in the military, are far more onerous than those in the U.S., containing restrictions that would be anathema to the National Rifle Association and its members. (AP Photo/Kevin Frayer, File)

FILE - In this March 7, 2008 file photo an ultra-orthodox Jewish youth peers through a bullet-riddled glass door before the funeral of eight yeshiva students killed in a shooting attack at the Mercaz Harav Yeshiva in Jerusalem. America's top gun lobbyist has his facts wrong when he holds up Israel's stationing of armed guards at all schools as a model of how to avoid another massacre like the Dec. 14, 2012 slaughter of 20 first-graders and six adults at a Connecticut elementary school. What's more, the gun laws in Israel, a country where most people serve in the military, are far more onerous than those in the U.S., containing restrictions that would be anathema to the National Rifle Association and its members. (AP Photo/Kevin Frayer, File)

JERUSALEM (AP) ? Israel's policy on issuing guns is restrictive, and armed guards at its schools are meant to stop terrorists, not crazed or disgruntled gunmen, experts said Monday, rejecting claims by America's top gun lobby that Israel serves as proof for its philosophy that the U.S. needs more weapons, not fewer.

Far from the image of a heavily armed population where ordinary people have their own arsenals to repel attackers, Israel allows its people to acquire firearms only if they can prove their professions or places of residence put them in danger. The country relies on its security services, not armed citizens, to prevent terror attacks.

Though military service in Israel is compulsory, routine familiarity with weapons does not carry over into civilian life. Israel has far fewer private weapons per capita than the U.S., and while there have been gangster shootouts on the streets from time to time, gun rampages outside the context of the Israeli-Palestinian conflict are unheard of.

The National Rifle Association responded to the Dec. 14 killing of 20 first-graders and six adults at a Connecticut elementary school by resisting calls for tighter gun control and calling for armed guards and police at schools. On Sunday, the lobby's chief executive, Wayne LaPierre, invoked his perception of the Israeli school security system to back his proposal.

"Israel had a whole lot of school shootings until they did one thing: They said, 'We're going to stop it,' and they put armed security in every school and they have not had a problem since then," LaPierre said on the NBC News show "Meet the Press."

Israel never had "a whole lot of school shootings." Authorities could only recall two in the past four decades.

In 1974, 22 children and three adults were killed in a Palestinian attack on an elementary school in Maalot, near the border with Lebanon. The attackers' goal was to take the children hostage and trade them for imprisoned militants.

In 2008, another Palestinian assailant killed eight young people, most of them teens, at a nighttime study session at a Jewish religious seminary in Jerusalem. An off-duty soldier who happened to be in the area killed the attacker with his personal firearm.

Israel didn't mandate armed guards at the entrances to all schools until 1995, the Education Ministry said ? more than two decades after the Maalot attack and two years after a Palestinian militant wounded five pupils and their principal in a knifing at a Jerusalem school.

Israel's lightly armed school guards are not the first or the last line of defense. They are backed up by special police forces on motorcycles that can be on the scene within minutes ? again bringing out the main, but not the only, difference between the two systems.

Foreign Ministry spokesman Yigal Palmor spelled it out.

"We're fighting terrorism, which comes under very specific geopolitical and military circumstances. This is not something that compares with the situation in the U.S," Palmor said.

Because it is aimed at preventing terror attacks, Israel's school security system is part of a multi-layered defense strategy that focuses on prevention and doesn't depend on a guy at a gate with a gun.

Intelligence gathering inside Palestinian territories, a large military force inside the West Bank and a barrier of towering concrete slabs and electronic fencing along and inside the West Bank provide the first line of defense.

Guards are stationed not just at schools, but at many other public facilities, including bus and train stations, parking lots, malls and restaurants.

"There are other measures of prevention of an attack taking place, which are carried out 24 hours a day, seven days a week, all over the country," police spokesman Micky Rosenfeld said. Many are not for public knowledge.

Gun lobbyists who might think Israel hands out guns freely to keep its citizens safe might be less enamored of Israel's actual gun laws, which are much stricter than those in the U.S. For one thing, notes Yakov Amit, head of the firearms licensing department at the Ministry of Public Security, Israeli law does not guarantee the right to bear arms as the U.S. Constitution does.

"The policy in Israel is restrictive," he said.

Gun licensing to private citizens is limited largely to people who are deemed to need a firearm because they work or live in dangerous areas, Amit said. West Bank settlers, for instance, can apply for weapons licenses, as can residents of communities on the borders with Lebanon and the Gaza Strip. Licensing requires multiple levels of screening, and permits must be renewed every three years. Renewal is not automatic.

The policy is designed "to strike a balance between needs and risks," Amit said. "We know that weapons are a dangerous thing, and in the hands of someone who isn't trained or isn't reliable, it causes problems."

The gap between Israeli gun ownership and U.S. gun ownership is consequently staggering. A total of 170,000 guns are licensed for private use in Israel, or about one gun for every 30 adults.

In addition to the privately held weapons, 130,000 guns are licensed to Israeli security companies, firing ranges, government ministries and companies that operate in areas deemed dangerous. Soldiers who carry assault rifles off base during their regular or reserves service turn them in when they complete their tours of duty.

By contrast, U.S. authorities estimate that at least one-third of all American households have firearms ? and in many cases, not only one.

Americans are also much freer to choose what type of guns they buy. Automatic weapons of the type Lanza used to gun down his victims are banned for private ownership in Israel. It is also rare for a person to be authorized to own more than one firearm, Amit said.

Eighty percent of the 10,000 people who apply yearly for licenses are turned down, he said. In the U.S., people can purchase firearms from private dealers without a background check or a license of any kind.

In Israel, applicants must undergo police screening and medical exams, in part to determine their mental state, Amit said.

Many Israelis receive weapons training in the military. But to be licensed to receive a weapon outside the military, they must undergo at least two hours of additional training, then repeat the training and medical exams every three years before they can renew their licenses.

Anybody who possesses a legally acquired gun waives the right to confidentiality, and authorities cross-reference for new information about the gunholder every three months.

"The point is not to complicate, but to make sure the system makes things safer," Amit said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-12-24-Israel-Gun%20Control/id-b1c8f53fdcfc400185da105cc2d840f5

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DIY Project ParadeDIY Show Off ? ? DIY Decorating and Home ...

Merry Christmas, happy holidays, DIY friends!

I?ve been enjoying the links from last week?s DIY Project Parade. If you find yourself with extra time {what?s that?!}, be sure to visit the links that catch your eye too.

Here are the posts I shared this past week?

Christmas in the dining room?

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Eclectic Christmas decorating and a ribbon wreath tutorial?

Christmas card holder {and photo display} and candle holder?

There?s still time to link up your Christmas tree here?

Do you have something DIY related to share? I know it?s been a busy week with holiday shopping, cleaning, baking, gift wrapping. T?is the season! Let?s get this party started!

{grab the html button code here}

1. Please use the button above or text and link to this post to share the linky love. Here is the link:?http://diyshowoff.com/category/other/diy-project-parade/. I?d love for you to share a link on your FB or by tweeting too if you have the time.?Thanks!

2. This blog linky party is for?DIY projects only. Links not related to DIY will be deleted. Please share your link one week only.??Please do not link recipes, giveaways, linky parties, promotions or a collection of inspiration.?

3. By joining the party, you give permission for your project to be featured and ?shown off? via blog highlight, Twitter, Facebook, Pinterest, G+, etc.

DIY Project Parade:

?

Source: http://diyshowoff.com/2012/12/23/diy-project-parade-61/?utm_source=rss&utm_medium=rss&utm_campaign=diy-project-parade-61

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Ashton Kutcher Files to Divorce Demi Moore

Source: http://www.thehollywoodgossip.com/2012/12/ashton-kutcher-files-to-divorce-demi-moore/

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Harry Reid Urges Hawaii Governor To Make Quick Appointment After Death Of Daniel Inouye

WASHINGTON -- Senate Majority Leader Harry Reid is asking Hawaii's governor to act before the end of the year to fill the Senate vacancy created by the death of Daniel Inouye of Hawaii.

Reid says he's asked Hawaii Gov. Neil Abercrombie to appoint Inouye's successor "with due haste." Reid says he wants to ensure Hawaii is fully represented "in the pivotal decisions" the Senate will be making.

Inouye died of respiratory complications last week, leaving Democrats down one seat as the Senate prepares for the possibility of voting on a measure that would avoid a "fiscal cliff" of tax hikes and spending cuts.

Hawaii Rep. Colleen Hanabusa is the favorite for the post. Inouye, a fellow Democrat, endorsed Hanabusa in a letter he sent to Abercrombie on the day he died.

Related on HuffPost:

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Source: http://www.huffingtonpost.com/2012/12/22/harry-reid-hawaii-senator_n_2353442.html

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Advantages of Web Based Email Marketing Providers - Rapid Purple

Many marketers and online business owners are not aware of the advantages of web based email marketing providers over purchasing their own software. While there are pros and cons for either side, professionals tend to choose web based email marketing providers for several reasons which I will discuss throughout this article. After-all when it comes to building and maintaining a successful, profitable business it is essential that you make the right choice for your marketing needs.

The biggest advantage of choosing web based email marketing providers is that you do not have to install the software yourself, nor are you saddled with updating and maintaining the software, or backing up the data and the related expenses. For a monthly fee that varies depending on your needs, the provider will take care of all of these details for you, so that you can focus on other important aspects of your business.

Today, the internet is booming with existing businesses and new ones that hit the web every day. This has created a huge demand for email marketing services, as most business owners realize that in order to create a successful, profitable business they must build relationships with and gain the trust of prospective clients. In fact, many people do not realize that there are options when it comes to building their list, either web based email marketing providers or purchasing software and setting it up themselves.

The advantages you will find with a web based service is that you can choose a package that suits your needs, and prices vary according to the features and tools necessary to run your business. With most web based email marketing providers, you pay less if you are a small company that only needs the ability to build a small list of subscribers. The bigger your business and larger list building capabilities you need, the higher the cost.

Generally speaking, the cost of having a provider take care of your email needs will run about $10 to $60 or $120 monthly, versus $500 to $1000 to purchase a software package initially. Most reliable providers offer an entire range of tools and features to make handling your lists easy and effortless. Most offer the ability to build multiple lists, send newsletters, survey subscribers and analyze and track results.

As you can see, the benefits of web based email marketing providers over purchasing your own software are many, but the decision is yours to make. Be sure to keep an eye out on our Discounts & Coupons section as I frequently share discounts and coupons from various email marketing providers.

Source: http://rapidpurple.com/blog/articles/advantages-of-web-based-email-marketing-provider/

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Two debacles in 12 hours (cbsnews)

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Dragon Mobile Assistant Updates with More Voice Controls and Support for Older Android Devices

Android: Dragon Mobile Assistant, released two months ago in beta, has a great feature set as a personal assistant app, and the latest update adds even more capabilities. Now you can use the app to launch other apps, set alarms, and play music just by speaking. In addition, you no longer need ICS to run it.

With the latest update, you can say things like "Open calculator," "Set alarm for 4pm today," and "Play Aerosmith" and Dragon Mobile Assistant will do your bidding.

According to the app's Play Store page, Dragon Mobile Assistant combines the hands-free capabilities of Vlingo (also owned by Nuance and our favorite Android virtual assistant) with the superior voice search offered in Dragon Go!

This free app is also now available for those with Android 2.3 and up, in the US at least.

Dragon Mobile Assistant (Beta) | Google Play via Engadget

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/zj1HZgGeBW8/dragon-mobile-assistant-updates-with-more-voice-controls-and-support-for-older-android-devices

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Changes in Leadership for Mama Vilma's Family Home | Mama ...

At the Annual Meeting of Mama Vilma?s family Home, held on December 19, 2012, Vice President, Eve Dirnback and Cheryl Bowen, Secretary Treasurer resigned from their offices and from the membership. In addition, Surendra and Carolyn Kumar resigned as members.

Eve and Cheryl have been with the organization since its inception in February 2011. Mama Vilma?s Family Home was intended to be a safe haven for women, children and families. Unfortunately, we did not learn until March 2012 that providing services to victims of domestic violence on the island was prohibitive. Several members attended the Domestic Violence seminar held at Fido?s, coming back to the group with this information. Since that time, the organization has been unable to define a focus. Shelly Huber, President of Mama Vilma?s Family Home stated at the Annual Meeting, ?This home will be built?we will find a way.?

?Cheryl told the group that she very much wanted to contribute in a positive way to the organization, but it is hard to be an integral part when the organization has done nothing except fundraising. In 2+ years, even with the generosity of the community, the organization has not raised enough funds to purchase, build or maintain a facility.

Eve, Cheryl and the Kumar?s wanted to have a vote to disband the organization and use the money raised in direct services to women, children and families in need right now. Surendra and Carolyn were hoping to donate to the San Pedro Library to provide after school support and tutoring. Donations to schools, building a pre-school and donating to other viable organizations on the island were additional ideas suggested by Cheryl and Carolyn.

There were six members present at the meeting and one additional member that arrived at the end of the meeting. Cheryl pointed out that with the exception of Shelly, the six members that actively participate are from North America. Carolyn questioned if there truly was a need on the island and if there is, why are the local men and women not participating? Shelly stated that she refused to make any decision without the ?others? present, referring to three local women that are non-participating members. She went on to state that, ?They will come, they will participate,? despite the fact that there has been no local participation at any meetings this entire year.

At the time of her resignation as Secretary/Treasurer, Cheryl informed the group that there is $23,966.44 in the Mama Vilma?s Family Home checking account and $31,469.58 in a six month CD scheduled to mature in May 2013. Total assets of the organization are $55,466.02. There has been NO financial impropriety and Shelly assured the other members that all of the money WILL be used to build a home to house abused women and children. All financial records and materials will be returned to Shelly for use by the new officers, once they are elected.

Cheryl, Eve and the Kumar?s will continue to participate in needy causes here as each of them considers San Pedro to be their home. Surendra and Carolyn are deeply involved with the youth group and youth choir at the Roman Catholic Church, Eve is working with the San Pedro Drum Corp and Cheryl is exploring alternate academic opportunities for local high school students.

Source: http://mamavilmasfamilyhome.com/?p=235

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