celebrex lawyer

Celebrex, a non-steroid anti-inflammatory drug used to treat rheumatoid arthritis and osteoarthritis, ahs been linked to increased risk of serious adverse cardiovascular events. This section contains legal information, news, and resources related to Celebrex (generic name celecoxib) -- including information on side effects and health risks.

Valentines day in dharan

With the abrupt rise in the temperature, the Valentines Day celebrations concluded amongst much fanfare, not only in the capital but throughout the country. If Kathmandu experienced a never before witnessed couples merrymaking and partying till the wee hours of the morning and every restaurants worth its name packed to the brink with revelers, Dharan had its share as well. With the objective of sharing love and affection with the youth of Dharan, DJ Yuva along with a group of artists from Kathmandu descended upon the eastern city, sometimes even considered to be the Fashion Capital of Nepal. This statement was proved at the premises of Nirvana Club on Valentines Day with the lasses and lads showcasing heir best at the musical event dubbed as ‘Valentine Nite’. Those performing at this much hyped event included aspiring singer Sanjana Shrestha who got the crowd going with 'Timi Sanaga Aantim Palta' being the highlight. Bijay Lama too was one of the favorites and when he sang 'Nakhanu Pani Tongba Ko’, ‘Sun Ko Chura’, ‘Aangaley Bhakku Laykai Ho’ and others, there was no stopping the crowd. However, it was Renasa Rai who walked away with the majority of the accolades with her immaculately choreographed dance sequences. Dj yuva’s tricks on the turntable followed that perfectly put the icing on the cake. All in all, everyone had a blast and according to most of the audience, this was probably one of the best organized musical events in the city for a long, long time.

mesotheloma

Mesothelioma (cancer of the mesothelium) is a disease in which cells of the mesothelium become abnormal and divide without control or order. Mesothelioma is a cancer of the linings of the lungs, chest, abdomen, and the organs contained in those areas, rather than a cancer that forms in the lungs.They can invade and damage nearby tissues and organs. Cancer cells can also metastasize (spread) from their original site to other parts of the body. Mesothelioma is most frequently caused by exposure to asbestos. Asbestos is a group of naturally occurring minerals. Asbestos releases strong, microscopic fibers that may injure the protective linings surrounding the body's organs.Most cases of mesothelioma begin in the pleura or peritoneum.

Malignant mesothelioma is an uncommon, but no longer rare, cancer that is difficult to diagnose and poorly responsive to therapy. Malignant mesothelioma is the most serious of all asbestos-related diseases. Thousands of Americans die each year from asbestos related disease including mesothelioma cancer.

A layer of specialized cells called mesothelial cells lines the chest cavity, abdominal cavity, and the cavity around the heart. These cells also cover the outer surface of most internal organs. The tissue formed by these cells is called mesothelium.There are three main types of malignant mesothelioma: epithelial, sarcomatoid and mixed. The epithelial type is the most common.

The mesothelium helps protect the organs by producing a special lubricating fluid that allows organs to move around. For example, this fluid makes it easier for the lungs to move inside the chest during breathing. The mesothelium of the chest is called the pleura and the mesothelium of the abdomen is known as the peritoneum. The mesothelium of the pericardial cavity (the "sac-like" space around the heart) is called the pericardium.

Tumors of the mesothelium can be benign (noncancerous) or malignant (cancerous). A malignant tumor of the mesothelium is called a malignant mesothelioma. Because most mesothelial tumors are cancerous, malignant mesothelioma is often simply called mesothelioma.

Mesothelioma was recognized as a tumor of the pleura, peritoneum and pericardium in the late 1700's. However it was not until much later, in 1960, that this particular type of tumor was described in more detail and even more importantly, its association with asbestos exposure was recognized. The first report linking mesothelioma to asbestos exposure was written by J.C.Wagner, and described 32 cases of workers in the "Asbestos Hills" in South Africa. Since then, the relationship between mesothelioma and asbestos exposure has been confirmed in studies around the world. Once it develops, this type of cancer will continue to grow and spread until it is treated.

About three-fourths of malignant mesothelioma occurrences start in the chest cavity and is known as pleural mesothelioma. Another 10% to 20% begin in the abdomen and is called peritoneal mesothelioma. Pericardial mesothelioma, starting in the cavity around the heart, is very rare. The covering layer of the testicles is actually an out pouching of peritoneum into the scrotum. Mesothelioma that affects this covering of the testicles is quite rare.

About 90 percent of people who are diagnosed with malignant mesothelioma have chest pain or shortness of breath as the first symptoms of the disease. Chest pain is caused mainly by the cancer itself, which irritates nerve cells in nearby tissues. Less severe chest discomfort and shortness of breath generally are caused by a collection of fluid between the two layers of the pleura in the chest, not by the cancer itself. This collection of fluid is called a pleural effusion. People with mesothelioma that develops in the abdominal lining can have abdominal pain and swelling caused by an accumulation of fluid in the abdominal cavity. Other possible symptoms include cough, fatigue and unexplained weight loss.

Mesothelioma is not caused by smoking, as lung cancer so often is. Instead, mesothelioma is tied almost exclusively to the mineral asbestos. Of the 2,000 new cases of mesothelioma reported in the United States each year, 70 to 80 percent can be traced to tiny, airborne shards of asbestos, which in the past was used in the production of construction materials ranging from cement to shingles to siding, and was extensively used as insulation.

Mesothelioma also is not a disease of the past. Although protections against occupational asbestos exposure have been in place since the 1970s, asbestos-related cancers such as mesothelioma can take 30 to 50 years to show up, according to the Mesothelioma Applied Research Foundation.

There are several misconceptions about mesothelioma.
For one thing, it is not lung cancer. It is a cancer of the two-layered membrane that covers and protects most of the body’s organs. That membrane, the mesothelium, is also called pericardium where it covers the heart, peritoneum where it surrounds most of the other abdominal organs, and pleura where it envelops the lungs, which is also where it most often turns cancerous.

Hair laser removal virginia

Virginia Beach attracts Virginia natives and out-of-state vacationers alike, many of whom want to look their very best before hitting the beach. American Laser Centers, located in Virginia Beach and in 100-plus other locations throughout the United States, is a perfect destination for men and women eager to prepare themselves for the beaches of Virginia. In addition to our well-known, proprietary laser hair removal services, we offer AmeriSmooth cellulite reduction services and FotoFacial® skin rejuvenation services.

Laser hair removal works by sending short pulses of electrical energy and light into the hair follicle. Hair is destroyed at its very root, which accounts for the long-lasting effects of laser hair removal. All in all, six treatments are required to receive American Laser Centers' written guarantee*, which promises two years of total satisfaction.

Safe, Comfortable Laser Hair Removal in Virginia Beach
First-time clients are often surprised by the feeling of the laser treatment. For the most part, the second-long pulse of energy feels as gentle as a mild tingle. (In very sensitive areas, the pulse may feel slightly more intense, like a soft pinch. However, the sensation lasts for only a second.)

Hair removal will occur after the very first treatment. However, not every follicle of a person's hair is actively growing at all times. By treating an area six separate times, American Laser Centers guarantees that all hairs in that area are destroyed. No matter what your hair type or color, we have a treatment that's just right for you; American Laser Centers technicians are trained to treat different skin colors, hair types, and so on.

Equity loan

An equity loan is a mortgage placed on real estate in exchange for cash to the borrower. For example, if a person owns a home worth $100,000, but does not currently have a lien on it, they may take an equity loan at 80% loan to value (LTV) or $80,000 in cash in exchange for a lien on title placed by the lender of the equity loan.

Many lending institutions require the borrower to repay only an interest component of the loan each month (calculated daily, and compounded to the loan once each month). The borrower can apply any surplus funds to the outstanding loan principal at any time, reducing the amount of interest calculated from that day onwards. Some loan products also allow the possibility to redraw cash up to the original LTV, potentially perpetuating the life of the loan beyond the original loan term.

The rate of interest applied to equity loans is much lower than that applied to unsecured loans, such as credit card debt. The reasoning behind this is that equity loans involve collateral, and credit card debt does not.

We Rais We Rainis

Hridaya dekhi ko sewa ani subheksha prakat gardachhaun
Sansar bhari failiyera baseka hami sandhai ekata ma basnechhaun.
Haamiharu Rai, Haamiharu Raini
Haamiharu Rai, Haamiharu Raini
We are Rais, we are rainis
We are Rais, we are rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Rais and Rainis

Sumnima ko pachhaurile sara biswa dhaknechhaun
Stuti ra bandana le shanti ko biu chharnechhaun.
hami haru raini, hami haru raini
we are rainis, we are rainis
we are rainis
Hamirharu sabaiko yo GROUP
rais and rainis

Paruhang ko aashisle sara jag ma paila chalnechhaun
Uthsaha ra umangale le bijaya ko bigul puknechhaun
hami haru rai, hami haru rai
we are rais, we are rais
we are rais
Hamiharu sabaiko yo GROUP
rais and rainis
rais and rainis

Yalambar ki chhori haami
Yalambar ka chhora haami
Dharti ko putra putri hami
Prakritiko puga gari yasaima sandhai ramaunchhaun.
Haamiharu Rai, Haamiharu Raini
Haamiharu Rai, Haamiharu Raini
We are Rais, we are rainis
We are Rais, we are rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Rais and Rainis

Dhuka ka tyo sagar lai, chhinmai hami sukaunchhaun
Khushi ka yo pal lai dherai banai bandnechhau.
Raini bhai janmeko ma.
Aafno maan mandachhaun.
hami haru raini, hami haru raini
we are rainis, we are rainis
we are rainis
Hamirharu sabaiko yo GROUP
rais and rainis

Afthyara tyo janghar lai, ekai phadko ma tarnechhaun
Safalta ko yo shikhara lai ajha badi chumnechhau.
Rai bhai janmeko ma.
Aafno sahan mandachhaun
hami haru rai, hami haru rai
we are rais, we are rais
we are rais
Hamiharu sabaiko yo GROUP
rais and rainis
rais and rainis

Dhol jhyamta bajaundai
Sakela sili nachadai
Aafnai bhesha bhusha paharandai.
Sanksriti sanskar lai agadi sandhau badaunechhaun.
Haamiharu Rai, Haamiharu Raini
Haamiharu Rai, Haamiharu Raini
We are Rais, we are rainis
We are Rais, we are rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Rais and Rainis.

Buddha ko shanti sandeshharulai charaitira failaunechhaun.
Dharama ko shaisnutalai atal kayam sandhai rakhnehhaun.
Karuna ra snehako muhan sandhai futaunechhaun.
we are rainis, we are rainis
we are rainis
Hamirharu sabaiko yo GROUP
rais and rainis

Sagarmatha chuchurako gaatha hami harpal gaunechhaun
Paurakhi yi haath haru le sandhai mehanati kaam garnechhaun
Sadbhaw ra mitrata ko atut bandhan gansnechhaun.
hami haru rai, hami haru rai
we are rais, we are rais
we are rais
Hamiharu sabaiko yo GROUP
rais and rainis
rais and rainis

Himali bhegharuma pani.
Pahadi khonchharuma pani.
Tarai fantharuma pani.
Jahan base pani hami afulai Nepali thandachhaun.
Haamiharu Rai, Haamiharu Raini
Haamiharu Rai, Haamiharu Raini
We are Rais, we are rainis
We are Rais, we are rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Haamiharu sabai ko yo GROUP. Rais and Rainis
Rais and Rainis
Rais and Rainis
Rais and Rainis
(ALPABIRAM)

Auto Insurance

Auto insurance in the United States

[edit] Coverage available

The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry liability insurance coverage to ensure that its drivers can cover the cost of damages to people or property in the event of an automobile accident. Some states, such as Wisconsin, have more flexible “proof of financial responsibility” requirements.[12]

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles, provided they do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary, for example, when a family member comes of driving age they must be added to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident. Non-owners policies are also known as Named Operator Policies. The policies are useful for people whose drivers license has been suspended and they have to have insurance for their licensed to be reinstated.

Generally, liability coverage extends when you rent a car. Comprehensive policies ("full coverage") usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle. This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Most rental car companies offer insurance to cover damage to the rental vehicle. These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. These benefits are restrictive in terms of the types of vehicles covered.[13]

[edit] Liability

Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. The amount of coverage provided (a fixed dollar amount) will vary from jurisdiction to jurisdiction. Whatever the minimum, the insured can usually increase the coverage (prior to a loss) for an additional charge.

An example of Property Damage is where an insured driver (or 1st party) drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company), depending on the jurisdiction. An example of Bodily Injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdictions, the third party would first exhaust coverage for accident benefits through their own insurer (assuming they have one) and/or would have to meet a legal definition of severe impairment to have the right to claim (or sue) under the insured driver's (or 1st Party's) policy.

In some jurisdictions: Liability coverage is available either as a combined single limit policy, or as a split limit policy:

Employee Leasing

Smaller companies looking to expand their workforce may be comfortable with the technical side of the hiring process, but not the human resource side. Business owners often find themselves overwhelmed by all the payroll accounting, record keeping and benefits which accompany newly hired employees. One popular solution to this problem is the practice of employeeemployeeemployee leasingleasingleasing.

EmployeeEmployeeEmployee leasingleasingleasing is similar to the process of hiring temporary workers, but the key difference is permanency. A company wishing to pursue employeeemployeeemployee leasingleasingleasing will first contact a professional employment organization (PEO) to discuss its particular employment needs. The PEO or other employment leasingleasingleasing company might set up an interview process for recruiting new staff, or might take responsibility for existing workers. The company can still participate in the hiring process, but any hired personnel will officially work for the employeeemployeeemployee leasingleasingleasing company.

For many employees, the switch from their original company to an employeeemployeeemployee leasingleasingleasing company is actually a better deal financially. Since a typical PEO handles a large number of employees from numerous companies, future health insurance and other benefits can be negotiated in bulk. A worker at a small electronics company can enjoy the same level of benefits as a worker in a massive automotive plant. Wages and performance reviews are under the auspices of the employeeemployeeemployee leasingleasingleasing organization, not the original companies.

Employers often pursue employeeemployeeemployee leasingleasingleasing options in order to eliminate the need for accountants and human resource managers. The employeeemployeeemployee leasingleasingleasing agency charges a fee in addition to the employees' wages, much like temporary employment agencies. This fee is often less than the cost of hiring human resource experts and payroll accountants. Because workers are not considered employees of the company in a legal sense, personal injuries and workers' compensation claims become the responsibility of the employeeemployeeemployee leasingleasingleasing agency.

EmployeeEmployeeEmployee leasingleasingleasing is not a perfect solution for some companies, however. Since workers are not completely under the control of management, communications may become strained. Conflicts may have to be arbitrated by representatives of the employeeemployeeemployee leasingleasingleasing agency. Termination of non-productive workers may not be as simple as handing out pink slips. Certain union contracts actually prohibit the use of employeeemployeeemployee leasingleasingleasing agencies or PEOs in order to prevent companies from outsourcing their human resource departments.

Home equity loan

A home equity loan (sometimes abbreviated HEL) is a type of loan in which the borrower uses the equity in their home as collateral. These loans are sometimes useful to help finance major home repairs, medical bills or college education. A home equity loan creates a lien against the borrower's house, and reduces actual home equity.

Home equity loans are most commonly second position liens (second trust deed), although they can be held in first or, less commonly, third position. Most home equity loans require good to excellent credit history, and reasonable loan-to-value and combined loan-to-value ratios. Home equity loans come in two types, closed end and open end.

Both are usually referred to as second mortgages, because they are secured against the value of the property, just like a traditional mortgage. Home equity loans and lines of credit are usually, but not always, for a shorter term than first mortgages. In the United States, it is sometimes possible to deduct home equity loan interest on one's personal income taxes.

There is a specific difference between a home equity loan and a Home Equity Line of Credit (HELOC). A HELOC is a line of revolving credit with an adjustable interest rate whereas a home equity loan is a one time lump-sum loan, often with a fixed interest rate.
Contents
[hide]

* 1 Closed end home equity loan
* 2 Open end home equity loan
* 3 Home equity loan fees
* 4 See also
* 5 External links

[edit] Closed end home equity loan

The borrower receives a lump sum at the time of the closing and cannot borrow further. The maximum amount of money that can be borrowed is determined by variables including credit history, income, and the appraised value of the collateral, among others. It is common to be able to borrow up to 100% of the appraised value of the home, less any liens, although there are lenders that will go above 100% when doing over-equity loans. However, state law governs in this area; for example, Texas (which was, for many years, the only state to not allow home equity loans) only allows borrowing up to 80% of equity.

Closed-end home equity loans generally have fixed rates and can be amortized for periods usually up to 15 years. Some home equity loans offer reduced amortization whereby at the end of the term, a balloon payment is due. These larger lump-sum payments can be avoided by paying above the minimum payment or refinancing the loan.

[edit] Open end home equity loan

This is a revolving credit loan, also referred to as a home equity line of credit, where the borrower can choose when and how often to borrow against the equity in the property, with the lender setting an initial limit to the credit line based on criteria similar to those used for closed-end loans. Like the closed-end loan, it may be possible to borrow up to 100% of the value of a home, less any liens. These lines of credit are available up to 30 years, usually at a variable interest rate. The minimum monthly payment can be as low as only the interest that is due.

Typically, the interest rate is based on the Prime rate plus a margin.

[edit] Home equity loan fees

Here is a brief list of possible fees that may apply to your home equity loan: Appraisal fees, originator fees, title fees, stamp duties, arrangement fees, closing fees, early pay-off and other costs are often included in loans. Surveyor and conveyor or valuation fees may also apply to loans, some may be waived. The survey or conveyor and valuation costs can often be reduced, provided you find your own licensed surveyor to inspect the property considered for purchase. The title charges in secondary mortgages or equity loans are often fees for renewing the title information. Most loans will have fees of some sort, so make sure you read and ask several questions about the fees that are charged.

[edit] See also

* Home equity
* Mortgage equity withdrawal

Laser Surgery

The LASIK technique was made possible by the Colombia-based Spanish ophthalmologist Jose Barraquer, who, around 1950 in his clinic in Bogotá, Colombia, developed the first microkeratome, used to cut thin flaps in the cornea and alter its shape, in a procedure called keratomileusis. Stephan Schaller assisted in this landmark procedure. Barraquer also researched the question of how much of the cornea had to be left unaltered to provide stable long-term results.

The general term for changing a patient's optical measurements by means of an operation is Refractive Surgery. Later technical and procedural developments included RK (radial keratotomy), developed in Russia in the 1970s by Svyatoslav Fyodorov, and PRK (photorefractive keratectomy), developed in 1983 at Columbia University by Dr. Steven Trokel, "the father of laser vision correction," who not only published the first article on laser correction but was also granted patents on laser surgery by the U.S. Patent Office. (RK is a procedure in which radial corneal cuts are made, typically using a micrometer diamond knife, and is completely different from LASIK).

In 1968 at the Northrup Corporation Research and Technology Center of the University of California, Mani Lal Bhaumik and a group of scientists were working on the development of a carbon-dioxide laser. Their work evolved into what would become the Excimer laser. This type of laser would become the cornerstone for refractive eye surgery. Dr. Bhaumik announced his team's breakthrough in May 1973 at a meeting of the Denver Optical Society of America in Denver, Colorado. He would later patent his discovery.[2]

The introduction of lasers in refractive surgeries stemmed from Rangaswamy Srinivasan's work. In 1980, Srinivasan, working at IBM Research Lab, discovered that an ultraviolet Excimer laser could etch living tissue in a precise manner with no thermal damage to the surrounding area. He named the phenomenon Ablative Photodecomposition (APD).[3] Stephen Trokel published a paper in the American Journal of Ophthalmology in 1983 outlining the potential benefits of using the Excimer laser in refractive surgeries. The first patent for laser correction of the cornea using an Excimer laser was granted to Dr. Steven Trokel.

The first patent for LASIK was granted by the U.S. Patent Office to Dr. Gholam A. Peyman on June 20, 1989, U.S. Patent #4,840,175, "Method for modifying corneal curvature," encompassing the surgical procedure in which a flap is cut in the cornea and pulled back to expose the corneal bed. The exposed surface is then ablated to the desired shape with an Excimer laser, after which the flap is replaced.[citation needed]

The first FDA trial of the Excimer laser was started in 1989. The laser was unavailable to any doctor other than the ten selected by the FDA for the Visx trials. The first use of the laser was to change the surface shape of the cornea, known as PRK. Dr. Joseph Dello Russo was one of the ten original FDA researchers who tested and got approval for the Visx laser. The LASIK concept was first introduced by Dr. Palliakaris in 1992 to the group of ten surgeons who were selected by the FDA to test the Visx laser at 10 centers in the U.S.

Dr. Palliakaris theorized the benefits of performing PRK after the surface was raised in a layer to be known as a flap performed by the Mikrokeratome developed by Barraquer in 1950. The blending of a flap and PRK became known as LASIK, which is an acronym. It quickly became very popular, since it provided immediate improvements in vision and involved much less pain and discomfort than PRK.

Today, faster lasers, larger spot areas, bladeless flap incisions, intraoperative pachymetry, and wavefront-optimized and -guided techniques have significantly improved the reliability of the procedure compared to that of 1991. Nonetheless, the fundamental limitations of Excimer lasers and undesirable destruction of the eye's nerves have spawned research into many alternatives to "plain" LASIK, including LASEK, Epi-LASIK, sub-Bowman’s Keratomileusis aka thin-flap LASIK, wavefront-guided PRK and modern intraocular lenses.

LASIK may one day be replaced by intrastromal ablation[4] via all-femtosecond correction (like Femtosecond Lenticule Extraction, FLIVC, or IntraCOR), or other techniques that avoid weakening the cornea with large incisions and deliver less energy to surrounding tissues. The 20/10 (now Technolas) FEMTEC laser has recently been used for incision-less ablation on several hundred human eyes and achieved very successful results for presbyopia,[5] with trials ongoing for myopia and other disorders.

Online Degrees

Online Degrees and Distance Learning
Online Degrees
and Distance Learning
Both academic institutions of higher learning and professional organizations agree that online degree and distance learning education environments can offer visible, measurable benefits. According to educators from Cornell University, "the web provides significant new functionality in transmitting information to the student and providing forums for exchange. The web is revolutionizing some areas of study through increased opportunities for learning and alternative formats for information." (Dwyer, Barbieri, and Doerr, 1995).

Some of these benefits and opportunities offered by online learning include:

* Enhancing student-to-student and faculty-to-student communication - The integration of online, web-based learning with proven education methodologies provides substantial added value to traditional education. Students and faculty can both benefit from using the communication and assessment tools that are made available via online learning.
* Enabling student-centered teaching approaches - Students are able to have a customized approach to education that suits their personal learning styles and busy schedules.
* Providing 24/7 accessibility to course materials - Continual access to resources through online delivery and automated management tools minimizes the faculty's cost and time associated with the experience.
* Providing just-in-time methods to assess and evaluate student progress
* Reducing "administrivia" around course management

The advantages of online learning via an online degree or distance learning program make a significant impact in higher education today and, as technology evolves, promise to deliver even greater benefits in the future.

Featured Online Degrees
University of Phoenix

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to learn more!
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University of Phoenix is the nation's largest private accredited university offering adults and aspiring career professionals with high quality education. University of Phoenix students has several locations located in the United States, Puerto Rico and Canada. University of Phoenix's commitment to educational excellence and unparalleled student service has made this institution of higher learning the leading accredited online university in the United States. University of Phoenix offers online degrees in business, technology, education, healthcare and criminal justice.

The University of Phoenix is accredited by The Higher Learning Commission and a member of the North Central Association (30 N. LaSalle St., Ste. 2400, Chicago, IL 60602-2504; (800) 621-7440).

The Bachelor of Science in Nursing and the Master of Science in Nursing degree programs are accredited by the National League for Nursing Accrediting Commission (NLNAC, 61 Broadway, 33rd Floor, New York, NY 10006; (212) 363-5555).

Ellis College

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to learn more!
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Ellis College of New York Institute of Technology is a regionally accredited university with campus locations not only in New York but throughout the world. Since 1955, Ellis College has prepared many tens of thousands of students for success in career fields including management, business, engineering, technology, architecture and education.

Leveraging the power, flexibility and accessbility of online education, Ellis College brings vast educational resources of New York Institute of Technology to career oriented adult students throughout the United States.

As a Ellis College student you'll gain access to all of the programs and resources available to all NYIT alumni, including associations, seminars, graduate ceremonies and much more.

Web Hosting

A web hosting service is a type of Internet hosting service that allows individuals and organizations to provide their own website accessible via the World Wide Web. Web hosts are companies that provide space on a server they own for use by their clients as well as providing Internet connectivity, typically in a data center. Web hosts can also provide data center space and connectivity to the Internet for servers they do not own to be located in their data center, called colocation.
Contents
[hide]

* 1 Service scope
* 2 Hosting reliability and uptime
* 3 Types of hosting
* 4 Obtaining hosting
* 5 See also
* 6 References

[edit] Service scope

The scope of hosting services varies widely. The most basic is web page and small-scale file hosting, where files can be uploaded via File Transfer Protocol (FTP) or a Web interface. The files are usually delivered to the Web "as is" or with little processing. Many Internet service providers (ISPs) offer this service free to their subscribers. People can also obtain Web page hosting from other, alternative service providers. Personal web site hosting is typically free, advertisement-sponsored, or cheap. Business web site hosting often has a higher expense.

Single page hosting is generally sufficient only for personal web pages. A complex site calls for a more comprehensive package that provides database support and application development platforms (e.g. PHP, Java, Ruby on Rails, ColdFusion, and ASP.NET). These facilities allow the customers to write or install scripts for applications like forums and content management. For e-commerce, SSL is also highly recommended.

The host may also provide an interface or control panel for managing the Web server and installing scripts as well as other services like e-mail. Some hosts specialize in certain software or services (e.g. e-commerce). They are commonly used by larger companies to outsource network infrastructure to a hosting company.

[edit] Hosting reliability and uptime
Multiple racks of servers.

Hosting uptime refers to the percentage of time the host is accessible via the internet. Many providers state that they aim for a 99.9% uptime, but there may be server restarts and planned (or unplanned) maintenance in any hosting environment.

A common claim from the popular hosting providers is '99% or 99.9% server uptime' but this often refers only to a server being powered on and doesn't account for network downtime. Real downtime can potentially be larger than the percentage guaranteed by the provider. Many providers tie uptime and accessibility into their own service level agreement (SLA). SLAs sometimes include refunds or reduced costs if performance goals are not met.

Network Security

Network security concepts

Network security starts from authenticating any user, commonly (one factor authentication) with a username and a password (something you know). With two factor authentication something you have is also used (e.g. a security token or 'dongle', an ATM card, or your mobile phone), or with three factor authentication something you are is also used (e.g. a fingerprint or retinal scan). Once authenticated, a stateful firewall enforces access policies such as what services are allowed to be accessed by the network users.[1] Though effective to prevent unauthorized access, this component fails to check potentially harmful content such as computer worms being transmitted over the network. An intrusion prevention system (IPS)[2] helps detect and prevent such malware. IPS also monitors for suspicious network traffic for content, volume and anomalies to protect the network from attacks such as denial of service. Communication between two hosts using the network could be encrypted to maintain privacy. Individual events occurring on the network could be tracked for audit purposes and for a later high level analysis.

Honeypots, essentially decoy network-accessible resources, could be deployed in a network as surveillance and early-warning tools. Techniques used by the attackers that attempt to compromise these decoy resources are studied during and after an attack to keep an eye on new exploitation techniques. Such analysis could be used to further tighten security of the actual network being protected by the honeypot.[3]

A useful summary of standard concepts and methods in network security is given by [4] in the form of an extensible ontology of network security attacks.

[edit] Security management

Security Management for networks is different for all kinds of situations. A small home or an office would only require basic security while large businesses will require high maintenance and advanced software and hardware to prevent malicious attacks from hacking and spamming.

[edit] Small homes

* A basic firewall or a unified threat management system.
* For Windows users, basic Antivirus software like McAfee, Norton AntiVirus or AVG Antivirus. An anti-spyware program such as Windows Defender or Spybot would also be a good idea. There are many other types of antivirus or antispyware programs out there to be considered.
* When using a wireless connection, use a robust password. Also try and use the strongest security supported by your wireless devices, such as WPA or WPA2.
* Raise awareness about information security to children.[5]

Answering Service

Answering Service Helps You Succeed

An answering service is a business service that answers its clients' telephone calls and conveys messages to the clients. Specialty Answering Service is capable of doing this and more. Specialty provides expert inbound call center service, outbound call center services, order taking, customer service assistance, and answering services. Our professional staff advanced call center equipment help provide the best answering service experience.

An answering service's success depends on the success of your business. For over 20 years, Specialty Answering Service has been answering for businesses and helping companies grow. We are available part time, full time, or whenever you need us. If you are looking for a messaging service or a live answering service, outbound call center services or inbound call center services or seminar registration, Specialty Answering Service can assist
Test Our Answering Service

We welcome your business to sample the quality of our answering service for no cost. If you are looking for a company that can provide inbound call center support that is reliable, efficient, flexible, professional, and affordable, please take advantage of Specialty Answering Service's two week free trial.

Please visit the free trial main page for instructions on how to begin

**Our two week free trial may not apply to all "Advanced Call Center" packages due to varying complexity of accounts.
Available Answering Service / Call Center Packages & Plans

We aim to provide the most professional answering service and call center service while keeping our prices competitive. Below is a detail of the various packages and plans we offer.

* Fax: route all faxes received to your e-mail address.
* Automated: Unlimited units, 100% front end automated service, all messages recorded & e-mailed as a .WAV file.
* Low Volume: Live operator service for businesses receiving 25-50 messages a month.
* Hybrid: Mix of automated package with option to speak with an operator. Great money saver by reserving live operator contact for emergency situations.
* 100 Call: An allowance of 100 units per month (small business solution)
* 250 Call: An allowance of 250 units per month (mid-size business solution)
* 500 Call: An allowance of 500 units per month (large business solution)
* Advanced Call Center: Appointment setting, web site integration, order processing, credit card processing, lengthy scripts, and advanced answering

To receive our current prices, please fill out a contact page here. You may also reach a call center representative at 1-888-532-4794 or click the "LIVE CHAT" box (if available).
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Specialty Telephone Answering Service

For over 20 years Specialty Answering Service has been providing live operator answering service and call center support to over 1,800 businesses in hundreds of varying industries. A professional staff and commitment to customer service has made us the nations leader in professional live operator answering and message management.
Try Our Answering Service For Free

Our nationwide network of call centers provide outstanding inbound call center solutions for small businesses and large businesses throughout North America & Canada.

Backed by 20 plus years of industry experience, we are a reliable call center service. We are able to provide basic answering service support as well as:

* Advanced Call Center: Everything from live chat, catalog order taking, credit card processing, order entry, order tracking, up-sell, cross-sell, product answering, and total fulfillment.
* Dealer Locate and Referral Service: Help your customers connect to the closest representative from your company by area match or query match.
* Outbound Call Center Services: Surveys and ongoing or short term customer contact.
* Class and Seminar Registration: Fulfillment, bookings, confirmation, and event RSVP services.

Available Answering Service & Inbound Call Center Services

Please click on your industry below to see the outbound / inbound call center serivce we have to suit your industry.

* Doctor / Physician / Surgeon / Medical Specialist
* Psychiatrist / Psychologist / Counselor / Mental Health Professional
* Home Health Business / Hospice Nurse / Palliative Care Professional
* HVAC / Refrigeration / Duct Installer / Chimney Business
* General Contractor / Builder / Construction Firm
* Disaster Restoration Firm / Janitorial Company
* Plumber / Plumbing Supply Company
* Realtor / Real Estate Affiliated Business
* Apartment Complex / Property Management Firm
* E-Commerce Business / Internet Driven Business
* Association / Large Corporation / Organization / Hospital System
* Restaurant Equipment Repair Professional
* Limousine Company / Taxi Business
* Funeral Home / Crematory / Cemetery / Mortician
* Locksmith / Lock Repair Specialists
* Elevator Repair Business / Emergency Elevator Service
* Portable Sanitation Company / Garbage Company
* OTHER - Answering Service For General Business

For over 20 years, Specialty Answering has been the nations answering service and inbound call center.
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Depression Treatment Center

Depression Treatment

Depression is not only a feeling; it is a medical disorder of the brain with very specific signs and symptoms, like any other illness. This often includes disruption in sleep patterns, altered appetite, sense of guilt, sense of hopelessness, feeling fatigued, lack of interest in activities and, at its worse, feelings of the desire to die or harm one’s self. Tragically, many patients have this disorder, but it is not recognized because they may not “feel depressed.” They often believe it is something they should be able to handle themselves if they "just get their act together."

At Sierra Tucson, we address the issue of depression with virtually every patient that comes in because most are found to be depressed at some level. Patients are educated that depression is a brain disorder that often coexists with other diagnoses, such as chemical dependency. Depression is often the end result of chronic strain or stress that an individual has been going through. Anxiety sometimes coexists with depression, which can be confusing.

In addition, persons will feel somewhat confused and have difficulty making decisions, which they may think is due to “losing my mind.” Rather, the symptoms are part of depression, and all these symptoms will resolve with appropriate treatment. The treatment of depression does not equate to medications only. There are a number of modalities to treat depression, including individual therapy, group therapy, family therapy, cognitive therapy, and medications if indicated. Patients are assessed as to their individual needs, and appropriate recommendations are made. In most cases, a combination of therapeutic interventions are most effective in relieving the symptoms. Furthermore, the treatment of depression and the medications used to treat the illness are very compatible with recovery. They are “non-addicting,” and a person is not destined to take them forever. As with everything, Sierra Tucson takes a very holistic approach in applying whatever modality is necessary to help each individual with depression. Therapy is tailored to meet personal needs, and Sierra Tucson’s staff are proud of the progress made by each patient.

Survey Software

Survey Software Packages - The Survey System

Software for Web Surveys, PDA Surveys, Phone Questionnaires, etc.

The Survey System is the most complete survey software package available for all types of questionnaires and research projects from web, phone, PDA, or paper questionnaires. This exceptional survey software package is ideal for mixed-mode surveys, which combine two or more of those methods.

Survey Software Features

The Survey System's many time saving features enable you to conduct sophisticated surveys and produce professional reports. Online surveys have many appearance options.

The Survey System survey software can record any type of answer and even record comments in respondents' actual voices with our voice capture survey module. Comprehensive logic instructions guide respondents through the correct questions, modify questions in ways that can yield better data, and check the validity of answers given. If you have existing data such as demographics or previous purchases for your respondents, the The Survey System can automatically incorporate that data into each person’s questionnaire.

Questionnaire Reporting Software with The Survey System

Produce results as tables, charts or text, even live reports of Internet survey answers. Elegant banners (cross-tabs) show results broken down by any data in the file. Customize reports to meet your needs, including fonts, colors, statistics, ranking, and etc. Results can be printed, uploaded to a web site, or exported to word processors, spreadsheets, or statistical programs like SPSS.

Surveys in Other Languages

You can run surveys in any alphabet-based language such as French, German, Italian, Spanish, etc. without problems in The Survey System. This includes Arabic, Greek, Hebrew, Thai, Russian, and other languages using non-Roman characters.

Learn more about The Survey System Surveys in Other Languages.

Request a Free Quote on The Survey System Survey Software

Ready to get started on building your own survey software package? Request your free quote on The Survey System and all its add-on survey modules from Creative Research Systems.

If you carry out market research or public opinion polls or measure employee satisfaction or association membership opinions or otherwise need to know what people think, The Survey System is your answer. Learn more about The Survey System and all the survey modules available with our world class survey software.

The Survey System's many special time-saving features enable you to conduct sophisticated surveys and produce professional reports. Online surveys have many different appearance options.

Valentine's Day

Valentine's Day or Saint Valentine's Day is a holiday celebrated on February 14 by many people throughout the world. In the West, it is the traditional day on which lovers express their love for each other by sending Valentine's cards, presenting flowers, or offering confectionery. The holiday is named after two among the numerous Early Christian martyrs named Valentine. The day became associated with romantic love in the circle of Geoffrey Chaucer in the High Middle Ages, when the tradition of courtly love flourished.

An alternative theory from Belarus states that the holiday originates from the story of Saint Valentine, who upon rejection by his mistress was so heartbroken that he took a knife to his chest and sent her his still-beating heart as a token of his undying love for her. Hence, heart-shaped cards are now sent as a tribute to his overwhelming passion and suffering. ^[1]

The day is most closely associated with the mutual exchange of love notes in the form of "valentines." Modern Valentine symbols include the heart-shaped outline, doves, and the figure of the winged Cupid. Since the 19th century, handwritten notes have largely given way to mass-produced greeting cards.^[2] The sending of Valentines was a fashion in nineteenth-century Great Britain, and, in 1847, Esther Howland developed a successful business in her Worcester, Massachusetts home with hand-made Valentine cards based on British models. The popularity of Valentine cards in 19th-century America was a harbinger of the future commercialization of holidays in the United States.^[3]

The U.S. Greeting Card Association estimates that approximately one billion valentines are sent each year worldwide, making the day the second largest card-sending holiday of the year behind Christmas. The association estimates that women purchase approximately 85 percent of all valentines.^[4]

BEAUTIFUL CITY DHARAN

An Introduction To Dharan

Dharan is a beautiful and multicultural town of eastern Nepal. It lies on Sunsari District and Koshi Zone. It is also a major town of Nepal and the town of many different races and ethnic groups. The town of Dharan was established when a thick jungle was cleared for a small human settlement in 1890s. In 1902 the then Prime Minister Juddha Sumshere Rana established a small village at the foot of Vijayapur hillock and named Chanrdranagar (now Purano Bajar), and steady growth of the settlement got into a shape of town in course of time. It was declared a municipal town in 1960. However, the history of Vijayapur village goes back more than 225 years.In the beginning there was a thick jungle where the modern town of Dharan stands now. Fellers had set up dharan (wooden platforms to saw logs). That's how the town got it's name.The British Gorkha Recruit Center was established in 1953 and this increased the flow of people and expansion of the town. In 1962, Nepal was divided into 14 administrative zones and 75 districts and Dharan was made the Zonal Headquarters of Kosi Zone. At first the town was divided into eleven wards, but in 1980 Banjjhogara Gaon Panchayat at the east and Ghopa Gaon Panchayat at the west were added to Dharan Town Panchayat. This expansion led to re-formation of the wards, and thus the town was divided into nineteen wards.Home of many different races, castes, creeds and an ethnic group, Dharan is proud to be a center of education, health, tourism and trade. And it's trying to come up not only as a model municipality in the eastern region but also in the whole of Nepal.

Global warming

The Greenhouse Effect: Scientists are sure about the greenhouse effect. They know that greenhouse gases make the Earth warmer by trapping energy in the atmosphere.

Climate Change: Climate is the long-term average of a region's weather events lumped together. For example, it's possible that a winter day in Buffalo, New York, could be sunny and mild, but the average weather – the climate – tells us that Buffalo's winters will mainly be cold and include snow and rain. Climate change represents a change in these long-term weather patterns. They can become warmer or colder. Annual amounts of rainfall or snowfall can increase or decrease.

Global Warming: Global warming refers to an average increase in the Earth's temperature, which in turn causes changes in climate. A warmer Earth may lead to changes in rainfall patterns, a rise in sea level, and a wide range of impacts on plants, wildlife, and humans. When scientists talk about the issue of climate change, their concern is about global warming caused by human activities.

RAIS AND RAINIS

Kirat New Year (Kirat Sambat 5069) or (Yele Dong 5069)
Its the Long forgotten New Year of Kirat people of Nepal... It is to be on the day of Maghe Sankranti, 1st Magh..."misunderstood as MAGHE SAKRANTI but this is not maghe sakranti this is yele sambat kiranti new year which we celebrate in maghe siri panchmi."

Happy Kirat New year "Yele Dong 5069" !!!!
Birthday of Kirat king Yalamber...Kirat Rai Yayokkha, Kirat Yakthung Chumlung, Kirat Yakkha Chumma and Sunuwar Sewa Samaj are currently holding Discussions on the Concept of Kirat Autonomous State.

Kirat Rai Yayokkha is organising a motorcycle ralley on 7th Mangsir 2065 from KRy Bhavan Koteshwor at 8 am.

Kirat Rai Yayokkha Has brought forward the Concept of Kirat Autonomous State, A Campaign to inform and discuss with the local level community will start from yele Dong 5069 Poush 2065.

Kirat community all around the world celebrated the Ubhouli Sakela/Sakewa Festival.... 2064

Banks

Definition

Cathay Bank in Boston's Chinatown

The definition of a bank varies from country to country.

Under English common law, a banker is defined as a person who carries on the business of banking, which is specified as:^[4]

• conducting current accounts for his customers
• paying cheques drawn on him, and
• collecting cheques for his customers.

In most English common law jurisdictions there is a Bills of Exchange Act that codifies the law in relation to negotiable instruments, including cheques, and this Act contains a statutory definition of the term banker: banker includes a body of persons, whether incorporated or not, who carry on the business of banking' (Section 2, Interpretation). Although this definition seems circular, it is actually functional, because it ensures that the legal basis for bank transactions such as cheques do not depend on how the bank is organised or regulated.

The business of banking is in many English common law countries not defined by statute but by common law, the definition above. In other English common law jurisdictions there are statutory definitions of the business of banking or banking business. When looking at these definitions it is important to keep in mind that they are defining the business of banking for the purposes of the legislation, and not necessarily in general. In particular, most of the definitions are from legislation that has the purposes of entry regulating and supervising banks rather than regulating the actual business of banking. However, in many cases the statutory definition closely mirrors the common law one. Examples of statutory definitions:

• "banking business" means the business of receiving money on current or deposit account, paying and collecting cheques drawn by or paid in by customers, the making of advances to customers, and includes such other business as the Authority may prescribe for the purposes of this Act; (Banking Act (Singapore), Section 2, Interpretation).

• "banking business" means the business of either or both of the following:

1. receiving from the general public money on current, deposit, savings or other similar account repayable on demand or within less than [3 months] ... or with a period of call or notice of less than that period;
2. paying or collecting cheques drawn by or paid in by customers^[5]

Since the advent of EFTPOS (Electronic Funds Transfer at Point Of Sale), direct credit, direct debit and internet banking, the cheque has lost its primacy in most banking systems as a payment instrument. This has lead legal theorists to suggest that the cheque based definition should be broadened to include financial institutions that conduct current accounts for customers and enable customers to pay and be paid by third parties, even if they do not pay and collect cheques.^[6]