Thursday, July 26, 2012

User:JessiCleaves62 - SC2.0

From SC2.0

profit hub - The web is filled with websites promising to cause you to a millionaire in under 15 minutes. So think for a couple of minutes, should you could really invest USD50 within an e-book that can make that you simply millionaire in Quarter-hour, would the e-book really cost USD50?

Even if the e-book did cost USD50 big event that right now you'll have met anyone who has actually made millions after buying a USD50 e-book? Quickly, off of the top of your head, consider 3 people you're friends with or have met online who're millionaires, and possess made their funds after buying an e-book online.

I am just not disputing the fact that you can actually generate income, no doubt you may make many of it, however the internet may be considered a make money fast market that with hardly any effort and minimum investment could make you excessively rich and you also never need to work again. Yeah right!

Think again, earning money on the internet is as hard or even harder that producing a full time income in real life. Now while your financial investment on the net might be substantially less that the traditional brick and mortar investment, it is not free.

Your time and energy purchase of an internet business will most likely far outweigh enough time you would put into a brick and mortar business. Your customers never sleep, business doesn't close at 5, and there are no rules as to which geographical area you have to be employed in.

Business energy online is relative to the time which you put into a web business. Your time and efforts don't just one single day end. You never wake up one morning and think to yourself "I think I'll stop working today" and your business will continue to function.

profit hub - While running an internet business and from your home does allow you certain luxuries, you've still got to be effective. Some of the most successful online entrepreneurs work every day, and quite often still post for their forums, and send their news letters while you're on holiday.

The idea I'm trying to make is that having a successful online business requires you to work on it. For instance, Google's Adsense program is among the most successful advertising programs on the internet, and if you obtain 1000 visitors on your own site/s a day this will let you 10% CTR the you are receiving 100 clicks at an average of USD1 you're making USD100 per day. That works yes, but exactly how do you get 1000 visitors per day? You don't think it's as elementary as creating a website on the weekend and retiring per month later?

Many individuals on the web would have us believe that, in support of once we have parted with your money and bought an entire library of e-book and also have a great variety of software do we realise that we can't give up our day jobs as of this time.

I have bought every e-book available, I've read them all, they've great sales copy along with a very enticing sales hype, but after the day they simply inform you of a distinct segment which you can use to build revenue.

profithub.com - You still have to put in the time. But that often we put in the amount of time in a bad place; we spend way too much time doing a bad thing. So how do you know you do the right thing? Well, here are a few guidelines...

You can find only a few select areas that can make your website work:

1. Be sure you hold the right product: Don't try and head to market having a product that that you simply) don't know backwards, and b) can be a shot in the dark. Do your homework, ensure that there exists a marketplace for whatever products or services you are planning to offer, Google all you can, find every forum that pertains to your product and read, read, read.

2. Make your business: Setup your website, utilizing a developer, templates, Cms etc, and make sure it's 100% Before you go live. There's nothing more off putting when compared to a site that wants USD97 for and e-book, but the site looks like a dog's breakfast. Make sure you use a professional looking site, and test, test, test.

3. Optimize your internet site: Here is the most time-consuming process, either pay you to definitely take action to suit your needs properly if you don't have the time, or ensure you still do it. The last thing you want or need is being blacklisted from search engines. Get good links, research key phrases, do proper onpage and off-page optimization.

4. Post sales selling: After you have customer, ensure that you stay in touch using them. Setup a forum to discuss using your product, and answer any queries they may have, forums are great for interaction with your clients at once.

Be sure that your time is primarily allocated to these areas. They're going to have the highest return and enable you to become a success on the net, and don't forget, it won't happen overnight.

Source: http://128.220.136.46/wiki/syntheticyeast/index.php/User%3AJessiCleaves62

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Satellites reveal sudden ice melt

The surface of Greenland's massive ice sheet has melted this month over an unusually large area, Nasa has said.

Scientists said the "unprecedented" melting took place over a larger area than has been detected in three decades of satellite observation.

Melting even occurred at Greenland's coldest and highest place, Summit station.

The thawed ice area jumped from 40% of the ice sheet to 97% in just four days from 8 July.

Continue reading the main story

?Start Quote

Melting events of this type occur about once every 150 years on average. With the last one happening in 1889, this event is right on time?

End Quote Lora Koenig Nasa Goddard Space Flight Center

Although about half of Greenland's ice sheet normally sees surface melting over the summer months, the speed and scale of this year's thaw surprised scientists, who described the phenomenon as "extraordinary".

Nasa said that nearly the entire ice cover of Greenland, from its thin, low-lying coastal edges to its centre, which is 3km (two miles) thick, experienced some degree of melting at its surface.

Until now, the most extensive melting seen by satellites in the past three decades was about 55% of the area.

According to ice core records, such pronounced melting at Summit station and across the ice sheet has not occurred since 1889.

"When we see melt in places that we haven't seen before, at least in a long period of time, it makes you sit up and ask what's happening," Nasa chief scientist Waleed Abdalati said.

"It's a big signal, the meaning of which we're going to sort out for years to come."

Watch this space

He said that, because this Greenland-wide melting has happened before - in 1889 - scientists are not yet able to determine whether this is a natural but rare event, or if it has been sparked by man-made climate change.

"Ice cores from Summit show that melting events of this type occur about once every 150 years on average. With the last one happening in 1889, this event is right on time," said Lora Koenig, a glaciologist from Nasa's Goddard Space Flight Center in Maryland and a member of the research team analysing the satellite data.

"But if we continue to observe melting events like this in upcoming years, it will be worrisome."

Scientists said they believed that much of Greenland's ice was already freezing again.

The news comes just days after Nasa satellite imagery revealed that a massive iceberg, twice the size of Manhattan, had broken off a glacier in Greenland.

"This event, combined with other natural but uncommon phenomena, such as the large calving event last week on Petermann Glacier, are part of a complex story," said Nasa's Tom Wagner.

Source: http://www.bbc.co.uk/news/world-europe-18978483#sa-ns_mchannel=rss&ns_source=PublicRSS20-sa

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20 Timeless Tips to Increase Productivity in Your Design Business ...

I?ve taken time to write down 20 of the most effective ways I?ve found useful in keeping productivity at a sustainable level and personal sanity at as high as possible (muy importante). There?s quite a bit of material here, so bookmark this page and feel free to reference it as much as you need.

Here we go!

  1. Task Blocks & Prioritization

  1. Chunk your day into 1-3 hour task-oriented time blocks. I cannot tell you how great this approach is. Well, yes, I can. Blocking out my days has helped me be 200% more productive this year than last year (yes, I?ve been keeping track). That?s pretty major!
  2. Keep times specific and focused. When you sit down to create the time blocks, make sure the task is clearly defined and not a general ?work on project x.? I like to drill down into my tasks / projects and write out specific steps to completion. Some projects aren?t not as easily defined, i.e. initial concepts for design work. For those items, I try to break up the research portion, sketches and wireframes, then move to Photoshop or InDesign to flush out what?s in my head.
  3. During these times, do not answer your phone (unless making/taking a phone call is the task).
  4. Stay off of time-sucking websites like Facebook, Twitter, Pinterest, etc. If you do not trust yourself, there are services available to block you from specified websites for specified periods of time. This is genius for those of us who have SOS (Shiny Object Syndrome). Here?s a great article with several resources.
  5. When you think of something else that needs to get done, write it down and forget about it until the task at hand is complete.
  6. Do not, I repeat, DO NOT check your email! Checking email will be the death of your productivity. Only refer to emails that pertain to your task. OR, better yet, take notes from those emails and then close your email for the duration of the task time block.
  7. Prioritize 2-3 tasks per day. TOTAL. No more. Ever. I?m not kidding. Brains can only handle so much. They are awesome and can be super efficient but only if we keep them from being overload. If you prioritize and only set out to accomplish 2-3 tasks instead of the usual 10, you will be so much more effective and productive. It seems counter intuitive, but it works.

    Batch Tasks (daily, weekly, monthly)

    Using your task blocks, do things in bulk.

  8. Daily: Check email only once per day. I set aside 30 min ? 1 hr each day for email. During this time I respond to emails and send necessary updates to clients. Sometimes I use a service for Google Apps called Boomerang (available for Gmail to). It allows you to do two things: 1. Send emails at a later time ? this helps avoid the back and forth; 2. Notify you if they have not responded within a certain amount of time. This helps keep myself and my clients on-task and on-time.
  9. Weekly: Batch attack your social media (if you?re into that sort of thing). I sit down once a week for an hour or two and come up with content for 2 weeks of social media posts. I use a similar approach for blogging. For each of these tasks, I use Hootsuite.com and the scheduling feature within my WordPress site.
  10. Monthly:?Get your books up to date once per month. Keep this as a priority over all things (even paid work). This is important! You gots to invoice and you gots to track your cash money.

    Healthy Amounts of Work

    Here?s one that 99% of my awesome designer friends suck at?keep a regular, non-crazy schedule.

  11. Do not over commit. Sometimes, this means turning work away or telling people you are booked up for the next 2-4 weeks. That?s okay! This will show people you are in demand and willing to create (and stick to) boundaries.
  12. Be reasonable in your timelines and pad them.
  13. No more crazy long days. Those 12 hour days will kill your creativity and possibly any promise of a healthy life outside of work. Limit yourself on how many hours you work per day. Personally, I cannot be doing intense conceptual work for more than 3-4 hours, max. I have to switch gears and work on tasks that are less right-brain taxing.
  14. Save weekends for fun, not more work. Time away from your work will help your mind to focus on other things and therefore, be more creative in problem solving. Minds and bodies need rest.

    Exercise

    I?m not going to tell you to start running every day, so please, bear with me.

  15. Find something active (i.e. something that gets you out of the office chair and gets your heart rate up) that you enjoy doing. Incorporate it into your week. This could be as simple as walking or as adventurous as unicycling. Exercise helps me clear my head, keeps my aches and pains at bay. It also seems to stimulate the creative part of my brain.

    Make Time for Food

    Don?t forget the bacon!

  16. When my energy is down, my creativity and my ability to be productive goes out the window. I?ve learned to set timers for my tasks and, literally, schedule when I am going to each lunch each day. Sometimes I will bring snacks into my office if I know I?m going to need the time during lunch to finish a project. I don?t recommend making a habit of this but nonetheless, you must eat!
    Quality Time with [fill in the blank].

    Getting in a little socialization throughout the week does a designer good. I often have a lot of thoughts swirling around in my head and it helps to talk it out.

  17. Family Meeting. My husband and I have Family Meeting once a week for 2-3 hours. This covers the obvious scheduling and budgeting topics but we also touch base on side projects and business stuff too.
  18. Best friend ?Walk About, Talk About.? Another person I intentionally connect with is my best friend. She lives across the state so in leu of face to face time, we walk our dogs and talk on the phone for 45 minutes. Again, sharing ideas and catching up.
  19. Get a group of like-minded people together on a regular basis. I?ve started meeting once a week with a group of other local designers. It?s starting out small (there are 3-4 of us that attend regularly), but I know it will grow. There are really great things that come out of this type of gathering. Great side projects, collaboration, support, and, in our case, a co-working space.We?re working on finding a place to rent at the moment, but I am really excited about working side-by-side with other designers in a cool space. More to come on this later.
    Peaceful Start to Your Day

    Rather than waking up and checking your email while you sip your coffee, start out with something quite and inspirational. Skip the overwhelming inbox.

  20. In the early morning, after coffee but before I officially sit down at my desk, I read. Sometimes I read fantastically inspirational books like The $100 Startup (totally recommend). Other times, I catch up on the blogs I subscribe to, which mostly focus on business and design. I find this time in the morning to be peaceful, invigorating and inspirational.

Making major changes in your day to day can be daunting, so make little changes over an extended period of time. Each week, take one or two of the above items that you find applicable and helpful and take it for a test drive for a couple weeks. There?s no need to change everything at once. I still struggle with these things too.

Somedays, these things just don?t happen, whether it?s a creativity block or low energy. I?ve learned it is better to just go with these and allow them to happen rather than feel guilty all day and not enjoy myself. Now and then, these are okay. When I get these days, I will go to the park with my dog, take a nap, or watch Hulu and Netflix. I have to work hard at not feeling guilty but it is important to remind yourself: this is your f-ing business. You can do what you want.

It has taken me a couple months to get to the point where I regularly incorporate all of the items. I hope these prove to be helpful to you as they have been invaluable to my business? health and moreover, my personal well-being.

Source: http://www.pixologyrules.com/2012/07/20-timeless-tips-to-increase-productivity-in-your-design-business/

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Moccasins Can Be The Best Footwear For Children

Children may be quite choosy regarding footwear. If a kid feels uncomfortable, he or she will just remove shoes suddenly. It is hard to please children especially in the process of buying shoes. This soft and hand-made footwear is something that practical customers have grown fond of and now make it a point to buy. These shoes and slippers are fashionable, hard-wearing and always a good fit.

Moccasins have been popular footwear both for youngsters and adults for many decades. You can check history books to verify this assertion. These shoes can be described as one of the finest varieties with its superior materials and exceptional designs. The fashion accessories come in unique styles and manufactured with soft soles. The sides are sewn in place to make it more durable.

More and more parents fancy the moccasin because of the comfort it provides the young wearer which cannot be found in other shoes. The velvety bottoms contain a layer of padding that supports the childs steps and prevents any unexpected injuries. It keeps the fragile feet fresh during summer and temperate in the winter. When the kids foot bends and moves, the sole moves with it and does not obstruct natural movements. Likewise, it provides instant protection against possible shocks and stumbling.

Fashion-conscious parents love these moccasins. There are several reasons parents love these shoes. One is the not only because of the exclusive designs and smart appearance. The other is the ease that it gives to the wearer. This kind of footwear can be used anytime and any day. Parents do not have to be troubled about their kids suffering from any discomfort or soreness. There is a wide array to choose from as well as attractive designs, and adorable colors. Even medical experts and health professionals have endorsed said shoes because of their elastic and soft soles.

You can always check out your favorite shopping malls, department stores and online suppliers for the moccasins of your choice. There are useful tips that you have to remember when shopping for shoes particularly for toddlers as well as young boys and girls. Make it a point to go for a fine or narrow sole which provides a complete hold and helps in the development of tender bones and muscles. Bear in mind that the footwear should never be too big or small because sizes that do not fit well can cause tenderness in the feet .

The soles should be porous since the feet of babies and kids are easily covered with sweat. The cardinal rule which has often been repeated is that shoes must be easy for mothers to put on but difficult for the tots to remove. Likewise, the shoes for babies and children must be light since heavy and may cause inconvenience or pain. Only the moccasin is capable of providing you with all these comfortable features. Buy a pair of brown-weathered moccasins for your boys and girls and you will see the satisfaction in the face of these youngsters.

About the Author:
Mousepads are useful accessories that can make a big difference and put together elegance and functionality to bring about beauty, sturdiness and decorative aspects. Learn more about - Mason Kardashian

Source: http://www.articlesnatch.com/Article/Moccasins-Can-Be-The-Best-Footwear-For-Children/4060820

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Tuesday, July 24, 2012

No charge for teen who tweeted attackers' names

A Kentucky teenager frustrated by light punishment for two boys who pleaded guilty to sexually assaulting her was spared Monday from having to face a contempt charge for naming them on Twitter in violation of a court order.

The case of Savannah Dietrich, 17, quickly gathered supporters nationwide who were upset that the victim of an assault could be punished for speaking out against her attackers.

The girl turned to Twitter after she said she was frustrated with what she felt was a lenient plea deal. The judge had ordered no one to speak about the case, which was in juvenile court.

On Monday, attorneys for the boys dropped their motion to charge her with contempt. David Mejia, an attorney for one of the boys, said the decision to withdraw the motion had nothing to do with public sentiment and online attention to the case.

He said the purpose of the motion had been to enforce the law that protects juveniles and their actions from disclosure.

"The horse is out of the barn," he said. "Nothing is bringing it back."

The Associated Press does not generally identify victims of sexual assault, but Dietrich and her parents wanted her story to be made public. She gave her account to The Courier-Journal newspaper in a story published Saturday. She has not responded to the AP for comment and her lawyer, Emily Farrar-Crockett of the public defender's juvenile division, did not immediately return telephone calls.

Jeff Dion, deputy executive director of the National Center for Victims of Crime, said victims who feel cheated by the justice system sometimes file civil lawsuits in an effort to get information in the public, but social media has turned that on its head.

"It's all about giving victims a voice," Dion said.

In one day, an online petition on Change.org had garnered 62,000 signatures in support of Dietrich's action.

"When I read it, I was appalled and outraged and thought, 'Somebody has to do something about this. Who is going to do something about this?'" said Elizabeth Beier, 22, of Cockeysville, Md., who started the petition even though she doesn't know Deitrich. "Everyone wants this girl to have peace and time to recover and not another trauma like jail time."

Beier said the two women have not spoken, but she congratulated her.

"I think what she did was very brave by coming forward ... and I think a lot of people who may have been victims or survivors of assault and didn't get the justice they deserve probably see themselves in her," she said.

Terry O'Neill, president of the National Organization for Women, said the motion to withdraw the contempt of court charge was "a huge victory not only for Ms. Dietrich, but for women all over the country."

Deitrich told The Courier-Journal that after the sexual assault, the boys posted photos of the attack on the Internet.

"These boys shared the picture of her being raped with their friends and she can't share their names with her Twitter community? That's just crazy," O'Neill said.

The Courier-Journal reported that the boys were charged with first-degree sexual abuse, a felony, and misdemeanor voyeurism, according to information in a court motion the newspaper filed asking Judge Dee McDonald to allow the paper to see motions filed by attorneys for Dietrich.

The teens pleaded guilty to those charges in late June, though Dietrich and her family told the newspaper they were unaware of the plea bargain and recommended sentence until just before it was announced in court. The attack occurred in August 2011.

Dion said the Kentucky law on gag orders in juvenile cases presupposes that information revealed came from reading the court record. In Dietrich's case, he noted, she was the victim, and she had independent knowledge of the crime.

"And I think a restriction or gag order on a victim creates some First Amendment issues," Dion said.

He added that prosecuting a victim "sends a terrible message."

"We created victims' rights out of a recognition that we need victims to come forward in order for our justice system to work," he said. "Really, what do they get for that?"

Chris Klein, an attorney for one of the boys, said publicizing their names may create problems for them in the future.

"There's always that possibility and in any type of scenario like this you run that risk," he said. "Now whether both these boys can overcome those hurdles, it's too early to determine that."

Klein said it's possible, but unlikely, that prosecutors would make the same contempt charge against Dietrich. Both sides will still be bound by the confidentiality of the juvenile court proceedings.

"I think her behavior will dictate whether it's the end of it or not," Klein said. "If all the parties abide by the confidentiality of juvenile court, then I think that's the end of it."

Bill Patteson, a spokesman for the Jefferson County Attorney's office, said he could not comment because of the confidentiality on juvenile cases.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.msnbc.msn.com/id/48292780/ns/technology_and_science-tech_and_gadgets/

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Health and fitness Camping. - CareCrunch Answers

Camping could be a great opportunity to get some good fitness time in. Sometime we need to go camping so as to focus on our health the way in which we should. The distractions of everyday routine often leave us eating processed foods and counting the walk in the car to the business office as our daily physical exercise. It can be difficult to schedule amount of time in to exercise and the stress of looking for time can often cause us to resent work out altogether. Camping presents a perfect opportunity to pay attention to fitness.

There are plenty of activities to complete while camping which can help your fitness level. Try waking up with all the sunrise and starting from the day with some yoga exercises or meditation. While camping you won?t need any one those nature tapes to assist you relax, you?re in nature! Hiking is another smart way to get exercise while camping. The scenery and fresh air make you forget that will hiking is even work out. Be sure that you pick a camping spot that may be near a trail that will be appropriate for your level of fitness. Also, be sure to pack plenty of water. When camping, you also want to ensure that you don?t go off of alone, so bring someone along to your hike. Safety must always be described as a priority when camping. If you can, try to hike to some stream or lake that may be safe to swim inside.

Taking a refreshing swim after a hike it isn?t just a way to cool-down, but also a great way to get some far more exercise in. Take some time and just sit next to the lake and relax or carry out yoga. The sound of the stream is very relaxing. Some other activities you may need to look into while camping are rock climbing or spelunking. However, these both require you are camping with someone that has these skills and you will want the proper equipment. Don?t attempt to rock climb or spelunk while camping if you do not are with an encountered friend or professional. If you want to take a fitness camping trip having a large group, then you can put together obstacle courses and other fun activities that could get your heart charge up while keeping your atmosphere fun.

Another great fitness aspect to camping will be the opportunity to eat additional natural, healthy foods. You can go fishing and catch your diet. Fishing is not just great fun, but it provides foods while camping that is better for you than hot dogs brought from your home. Some people like to actually rough it while camping and eat off of the land. If that doesn?t could be seen as you, then your camping trip could possibly be a good opportunity to pay attention to eating healthier foods and only bring healthy foods along. While camping you won?t possess the temptation of junk food if you bring it with people. Make sure that in the event you plan to fish or hunt that you?ve got the proper licenses and know the foundations for the area you may be in. Also, you might think that camping is a wonderful opportunity to eat off the land, and it can always be, but don?t eat any situation that you can?t identify. Be sure you know very well what it is you?re consuming. There are many berries and mushrooms which have been poisonous and will wreck your camping trip when consumed.

Camping is a wonderful means to get some fitness that you experienced. Plan fun camping activities that ensure you get moving around and utilize the campfire to cook balanced diet and your camping trip will be not only fun, but healthy.

When properly groomed and taken care of long haired rabbits, like Angora?s, are gorgeous. The problem is keeping that hair combed, clean, and free of mats is pretty a chore. If a rabbit manager isn?t showing their very long haired rabbit, they typically trim the hair so that it is only one inches long. This help keep the actual rabbit?s coat clean and free from mats but also keeps the rabbit much more comfortable during the hot summer season. If you have by no means trimmed a rabbit?s very long hair before, you might want to consider your rabbit to an expert pet groomer and observe how it?s done when you try it yourself. When using the clippers or perhaps scissors, be very careful that you don?t damage the rabbits epidermis.

If you find an area where the rabbit?s hair has become so tangled that it has developed into mat, refrain from using a couple of scissors to remove the actual mat. It is better begin using a comb and patiently work the mat loose, a few hairs each time. If you find that this is to trying on the patience, you might want to look at your pet rabbit to your professional pet groomer and also have them remove the mats with some electric clippers.

Every few weeks, check and make sure your rabbit?s nails haven?t reached long. If you think there?re looking long, or notice that they are starting to catch with your carpeting it is time for you to trim them. If you have certainly not done this before take your rabbit with a pet groomer or veterinarian and watch how it is performed first. If you are comfortable alone be careful that you do not trim the nails so short them to bleed and your rabbit is usually to uncomfortable to move close to.

Source: http://answers.carecrunch.com/?p=144215&utm_source=rss&utm_medium=rss&utm_campaign=health-and-fitness-camping

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British Gas teams with Plain English Campaign to help pubs understand energy bills

British Gas has teamed up with the Plain English Campaign to help pubs and other small businesses understand the ?complex jargon? which often hinders them getting the best energy deal.

Energy confusion: British Gas and the Plain English Campaign aiming to help pubs understand energy "jargon"

Energy confusion: British Gas and the Plain English Campaign aiming to help pubs understand energy "jargon"

New research carried out by One Poll on behalf of British Gas reveals that over half (57%) of small and medium-sized enterprises (SMEs) believe their energy suppliers use too much complex language which often stands in the way of the best deals.

The research also found that that a quarter of businesses (24%) say they spend too long dealing with their energy bills, contracts and pricing renewals because of the jargon used by suppliers.

In response, British Gas and the Plain English Campaign have launched ?Energy Made Simple? ? an industry-first online guide to help businesses better understand information about the energy they use to run their business.

It explains complex energy topics in easy-to-understand language and also offers advice and tips on how business can implement energy-saving measures to cut their bills.

According to the research, only a fifth (20%) of businesses are currently taking energy-saving measures, despite savings of up to 20% on offer for those that do.

Angela Needle, head of energy consultancy at British Gas Business, said: ?We know that our small business customers are short on time and want to feel confident they?re getting the best deal.

?But we recognise that as an industry we?ve not always helped them do this. By launching Energy Made Simple, we want to give any business, regardless of its supplier, the tools to quickly understand their energy contracts and how to manage their use effectively.?
Common energy jargon that businesses find confusing:

  • Deemed pricing (77% of businesses cannot fully explain)
  • Out of contract (63%)
  • Unit price (60%)
  • Kilowatt hour (69%)
  • Standing charge (64%)
  • Estimated bill (58%)

Source: http://feedproxy.google.com/~r/MorningAdvertiser/All-News/~3/IaV9wu8R04A/British-Gas-teams-with-Plain-English-Campaign-to-help-pubs-understand-energy-bills

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