Motherfucker2:


I know how it works.
I saw when you wrote You didn't get your money today because the [b]participating banks [b]have exceeded their daily limit.
No bank is involved in Western union.
The participating outlets are Dollar family, Walmart, Rite aid .

The participating banks are in Nigeria where the money was sent from, I recieved it on the other end....

There was a context behind my response

Motherfucker2:


What bank does Western union in USA ??

Collected from an agent location downtown Houston not a bank

Dunno if banks are agents

Btw your name is scary, I panicked when I saw a mention from u, felt like you were coming to beat me up

Matinho:


Great, go to the bank tomorrow to send western union,come back here to tell us your experience.

I don't have to go to Tomoro and come back, I received here in Houston last week Friday from my mom sent through first bank

If it's unavailable today, it's because the participating banks have exhausted their quota for the quarter, This is after all the last week of the quarter and of the year

Stop driving panic

fxbot:
I don't understand you, specifically the emboldened.

He said if you bring your international card here and try to make payment in naira it won't work because these foreign banks don't want to pay charges.

Just refuting that, cuz it's not true.

It works in places were the merchants have gone out of their way to give them pos deliberately configured to accept international cards

fxbot:
I used my dom account to receive money few days ago... stop spreading lies

What he or she means is you cannot for instance walk into Gtbank and deposit money over the counter to your dom account.

Of course you can receive inflows from anywhere but you can't walk in to the counter and fund your Dom account

bayulll01:


Some of you are just funny,someone is telling you can bring america debit card here and withdraw naira ogaoo some pple shaa.

Ok I get all your point,you can't bring those card here it won't work cos bank over there are not ready to pay any charges on your card the way bank pay master card and visa here,some of this bank are already in debt as a result of some of the silly transactions you do over there with our naira master card,so get it straight.u sound knowledgeable enough do ur finding oga

Foreign Cards work in some places such as intercontinental hotel, and places frequently visited by foreigners.

It's not a 'foreign bank' problem it's an acceptance problem. Our pos are configured to run in naira for instance my friend came and ate here for N300 and it charged her bank as $300 so many pos here in Nigeria automatically blocks $ transaction as the back end cannot do the conversion.

Has nothing to do with charges but more to do with inter switch and their configuration. Visa and MasterCard staff have staff who are working full time on acceptance to rectify this although they are meeting resistance from interswitch

You can meet any epayment practitioner in the banks or a staff at MasterCard or visa to enlighten you properly

Matinho:

You cannot send Western Union from Nigeria.You can only receive.

This isn't true. Why do people say non truths with so much authority

You can do western union transfer but limited to $1000 / quarter / individual

Billygee2u:

Nigeria is fast collapsing.I can't collect my money here since last week with GTBank MasterCard.
The worst is that GTBank didn't notify me about this new change.
Nigeria I weep for you.

Where is 'here'? Are u in Asia?

diva90:


Did they give the PTA to you in cash or card?

Cash, I bought 8k- for me and my husband @207

Union was changing for 199.5 that same day but you needed a current account with them

P.s no bank sold last week

Duro - tekno

Caracta:


Which bank gave you PTA in the last 3 months? The only group of people considered slightly were those on holy pilgrimages.

Or do you want me to show you CBN circular on suspension of PTA/BTA?

I bought PTA on the 27th of nov 2015 from Stanbic ibtc at Idejo, Lagos. That same day union was selling, travelex was selling and ecobank was also selling

I wasn't embarking on any holy pilgrimage

Phema:


Twins?

I no blame you jare. That my boy alone reach to be twins.

Firsttymum: LO don turn BO. He was one two weeks ago.

Sorry I mix you and sayoberry up in my head. Don't know why.

One already? Time flies. Happy birthday in arrears to our big boy may he continually be a source of joy to you and your household

Phema:
Congrats to the new mummies. May the good Lord bless and keep your little ones.

Uchetobi how far? Haven't heard from you in awhile.

Season's greetings everyone.

I am fine dear, a lot on my plate

How are you and the twins?

P0rtHarc0urtB0y:


@ Uchetobi 'been a while. 'sure you have put to bed. Hope you and baby are doing great

I'm good thanks, waiting for the baby...any moment from now

How are you and yours?

fertilewomb:


Have you asked what she did that made her husband to beat and refused his sick baby from getting medical attention? I am not justifying domestic violence.In fact it is wrong for a man to beat his wife, but there are some women that pushes their husbands to behave like an animal.

Blessedtwins will not and never tell us what she did to her husband. No man, i repeat,no sane man will deny his child medical care unless something terrible had been done to that man.let me tell you,if blessed twin's husband comes here and relate his own part of the story,you all will be amazed.So my dear don't give advice when you haven't hear both sides of the story.

Been a silent reader. But the fact that someone thinks there is a reason on earth that makes this acceptable or excusable is the saddest thing i'v read all Year long. hmm, pls can you give us two imaginary scenarios that makes this excusable/ justifable in your books? what is it you imagine she could have done? even if she knacked another man. Lets even leave the beating, but to take the anger on his own pikin and the pikin's health

i see you edited your post to say you are not justifying domestic violence. LOL. You have just justified domestic violence whether or not you admit it to your self or not

what a sad country we live in. This is the reason why i prayed fervently for God not to give me a daughter.

There are always two sides to a story no doubt, but pls where domestic violence is involved, pls settle your matter from afar o! before they break your head. someone that will not allow a sick child get medical advice when his/her mother is there, i shudder to think of what will happen to this pikin if you pass to yonder o!

i think you summed it up nicely in your post by adding "NO SANE MAN" pls how do you deal with someone that is not SANE? from afar o! no body will wash hand and sit comfortably to partake in a meal with someone that is not sane

a word is enough for the wise

Kermit mode reactivated

ozycy:

I heard dat too but still went ahead to use her and had good review abt her.

I know jare.... Was just saying no one is perfect. They need to give this dr f and dr A thing a rest jare

Someone needs to tell Fagbohoun to stop giving correspondence as well or better still charge $150 like doctoresperati

How was your journey back? And the baby? My friend is back too, she moved her ticket. Stay blessed.

LadyGuinivere:

May I join issues with u here.
Last person labelled an agent WAS AN AGENT.
She admitted to marketing her house for'naira and dollar reasons' and was told to be upfront about her marketing. Apaart from the fact that like 5 pages were dedicated to it, what's wrong with pointing that out?

5 pages dedicated to it is ALL that is wrong. I for one I am against agent/ marketing and lazy newbies but we now overflog the horse even when it's dead and buried

Why do we find it so hard to ignore. No one will tell an ignored person to read up!!! Meanwhile my idea of bullying is not even telling newbies to read up ( I have no sympathy for that)

Ironically, same people that are witch hunting agents are the one promoting and advocating for pms. Hmm

This whole bullying thing is about forcing our individual opinions down other people's throat. Case in point dr A of Chicago or wherever he practices from and also dr F

Let people that had bad experiences post it by all means but it's people that haven't even used this drs that now add kerosene to fire and drag it to the point that it looks like a personal vendetta.

I introduced dr Zimmerman to this thread, I dint even get the opportunity to use him, as I was planning to for my second baby, will I kill myself about him? No

I used fagbohoun for my second baby and had a fantastic experience. I'm i using him this time? No, for cost saving reason

This new dr E, I identified her and planned to use her immediately I heard Zimmerman wasn't taking patients even before she became the rave of the thread, did my research on her and found out that she had a malpractice / negligence suit against her recently, but I decided not to comment until I have used her. Our words can make or mar people, let's exercise caution pls especially for situations u dint experience first hand

Tvegas.....well said. Can't even add an alphabet. God bless

Agents will still pm and to be honest it's exhausting responding to pms not to talk about coming to check first who they are on the thread

The name of the thread is costs and procedures not pm & advertise

If not that someone uncovered doctoresperati and shared on this thread, they won't even know there is a thread like this, talk less of advertising on this thread. Same as soulcare, pampered stay and the rest of them.

Yes, some have been abused such as mihs and even dr Zimmerman (which I personally uncovered) but it helped a lot of people at that time. Same way someone uncovering dr A is helping decongest dr F


But it's all good, it's those behind I feel sorry for. I'm about to birth my last child. Sips tea dey watch like Kermit

Justwise

So I find a cheaper dr / hospital in Houston

Are you saying I can't share on the thread anymore?

I think this ur policy should be restricted to advertising & it's easy to tell which is advertising and what is not

If not, u will kill the essence of this thread. What made part one successful wasn't just pOe / visa stories it was a lot of research and sharing and comparison

nefertitiram:




My favorite line!


As for receipts, it's likely her profile has been flagged to show receipts on her way OUT of US, just like Modath, so she has to have all receipts in her handbag!

Speaking of receipts, I mentioned that I was asked to leave my receipts during exit at Houston but didn't.

Well was invited to the embassy after trying to go through Dropbox. All they did was calculate whether I was pregnant during my last interview. Fortunately I wasn't so I was reissued the visa,
they did not even check my receipts.

[quote author=funkebold post=39073958][/quote]

Thank you for coming back to share. Same thing happened to my friend as in she had three rejections but was able to have her second baby in the USA.

Do have a safe delivery, and don't stress too much. God has a reason for everything. big hugs

tteam:
My visa was cancelled with a 5 year ban.

Tteam. I remember you from 2013. How were you able to confirm you had a ban? I will say apply again. Be honest and apologetic.... You never can tell

A friend was in a similar situation, she was deported from iah because she used Medicaid for her first child but I dunno if she was banned sha

But she got her visa by being honest and apologetic

When filling your form when u tick yes for previous deportation there is space to explain so explain in that space as if you were talking face to face with the vo

Good luck.

Interesting turn of event

I had a great time with dr F / oakbend

I shared my experience in detail but tsunami has wiped it.

O well, everyone should pray and trust God for guidiance

ozycy:

Chai this woman eh, I gbadu your style ooo, but you can give me the info so I will go and test the water and confirm before your arrival . I think you were one of d first that discovered oakbend and now it's hot cake
here. Shud I pm you for the info?

Don't worry, as soon as it's confirmed I will buzz u. When are u traveling

ozycy:

Wow this coming November ? I tot I was the only one that came back so soon lol. Where you able to dig out another package? All the best in your second missionary journey. @ portharcourtboy, welcome back, I actually stumbled on your POE post few hours ago while searching for something and here you are again.

Yeah. Baby is due in dec. Iv found o! Will share after it is tried and tested.

What about you? Back to Houston

P0rtHarc0urtB0y:
*steps into the forum. Looks right. Looks left. Can't find any of the oldtimers- Uchetobi, FinanceFitness, Stepedie, Olu of El-Paso, Phema etc***

Present sir. Still here o! Planning second missionary trip in November.

Congrats to you and your wife

Imagine!!!' Doctors find time to read the whole pages. Don't see why anyone should be spoonfed

Olaideodes:
Hello mummies and daddies,
Please I need to confirm if any one has been on a payment plan and he or she visa was renewed before the payment tenor elapses I am currently about to sign a payment plan that will run for 5 years and my visa expires next year Nov.Please Biko people help me with this infor I need to know if the plan will not affect my Visa renewal.
Also please I beg anyone that thinks you have someone to stay with,please do your research well as my case is a big eye opener.North Carolina is a No no no very very expensive please my people go somewhere else.
I will post full details soon.
Thanks

Yes. My friend had a payment plan when she went to give birth at New Jersey. She was still paying when she got her visa renewed for her second baby (no Dropbox) I'm talking of 2011 here

Although she dint admit to still owing, her bill was so high. She had c section and her baby went to nicu. The bill she had paid was large enough to pass as her total bill.

Don't be discouraged, at least you are not taking insurance which Is even the easiest (but wrong way out). I'm sure you can still renew whenever you want to

Not being let into the uS with zero balance is wrong info. Not every hospital / dr gives zero balance even after all debt has been paid

modath:
Good day House...

Update on the nightmarish POE called Chicago ORD, this time,its point of EXIT..


I Expressed shock that "i was supposed to present it at my next ENTRY, but he told me NO, you were told EXIT (which is the truth but i assumed the guy who interviewed me at entry made an error), &reminded me to always have it for any US entry/exit for FOREVER.

Told him, "thanks" & was allowed to go after being told lucky you.. they aint gat nothing on me..#Godwin..

MORAL OF THE STORY!!!
Chicago ORD POE aint sh1t!!

This is scary. Was actually told to drop off my own receipt too when leaving @ last year @ IAH but I didn't. O well, worst case they will invite me for interview instead of Dropbox

Have a safe trip back

Please carefully read through the information before submitting your resume.

An early childhood education centre located in Ikota, Lekki axis is recruiting. This centre is founded on strong Christian principles and values of the highest standards.

OCC/230715/ADM
Job Title: Administrator
Location: Ikota, Lekki, Lagos
This position reports to the Director
This is a full-time position that runs from Monday through Friday. Salary is very competitive and negotiable. OCC is an equal opportunity Employer.
JOB ROLE
The Admin Officer
DUTIES AND RESPONSIBILITIES
• To manage the day to day running of the centre including co-ordinating the provision of a caring, safe, secure, positive and stimulating environment that will produce engaged, committed, trustworthy, intrinsically motivated and happy employees as well as pre-school children who are well-rounded and ready for primary school; meeting the minimum regulatory requirements;
• To plan a range of activities based on an observation and assessment cycle for children aged 2 – 4+ years;
• Managing a staff team, working with management committee and other committees to develop budget and ensure its ethical implementation, to ensure policies and procedures are implemented at all times;
• Fulfilling duties as the Safeguarding Designated Officer for the program to promote the safeguarding and welfare of the children, staff, parents and visitors;
• Participate in drafting the school child-centered curriculum;
• To ensure that staff comply at all times with pre-school policies, procedures and standards, including health and safety, hygiene, inclusion, and confidentiality;
• To liaise with parents and families to ensure that particular needs of children are met;
• To develop and maintain good relationships and communication with parents, families and community to facilitate meeting the needs of each child, including organising meetings to update and involve parent, families and community in their child’s learning;
• To induct, supervise and contribute to performance management of staff according to policies and procedures;
• To co-ordinate and chair staff meetings;
• To manage staffing levels with required ratios;
• To maintain effective personnel systems and ensure that files are kept up to date;
• To actively promote and facilitate relevant staff training and development opportunities;
• To actively promote the pre-school to ensure that vacant places are filled, and that services are marketed and advertised so that the pre-school runs to full capacity;
• To induct, supervise and contribute to performance management of staff according to policies and procedures;
• Ensuring all children have equal access to opportunities to learn and develop;
• Liaising with Lead teacher to share information and agree course of action;
• To act in accordance with current legislation, policy and procedures;
• Leading the organisation of the availability and use of general and specialist play equipment and other resources, ensuring that they are clean, safe and secure. Carrying out risk assessments on a regular basis. Ensuring that Health and Safety policies are implemented;
• Work requires bending, kneeling and crouching for periods of time and may also involve lifting or holding children during planned activities, and changing nappies/toileting duties;
• Activities will occur both inside and outside;
• Promoting positive Christian values, attitudes and good child behaviour, dealing promptly with conflict and incidents in line with established policy and encouraging children to take responsibility for their own behaviour;
• Providing objective and accurate feedback and reports as required on program and child achievement progress;
• Be responsible for meticulous use of supplies to avoid waste and save money
• To create and plan fund-raisings events
• Contributing to the overall vision, mission and goals of the school.
• Train, encourage, and mentor teachers and other staff.
SKILLS, KNOWLEDGE, APTITUDE AND EXPERIENCE REQUIRED
The desired candidate must exhibit SKA & E in the following;
Proven experience of working with an early childhood education program - children, adults (professionals, caregivers, parents and families) and agencies, regulatory body and professionals; Enthusiasm for working with children; Experience of having kept written records of children’s achievements including observations; Accounting skill with a flair for Numeracy & Record-keeping, Excellent delivery skills; Leadership skills; Understanding and recognition of the principles of equality and diversity; Courage to challenge; Team spirit; Innovative & Professionalism, Communication skills, Negotiation Skills; Multi-tasking skills; Information analysis and management skill; Ability to promote and market the service to the wider community; Listening ability; Ability to take key decisions; Ability to self-evaluate learning needs and actively seek learning opportunities; Knowledge of regulatory law and ability to maintain confidentiality at all times. Be approachable & personable; pleasant, respectful, gentle, prayerful and cheerful.

REQUIRED WORK EXPERIENCE
• A minimum of 3 years of cognate experience, of which 2 years must be in a supervisory role with direct or indirect reports.
• Proficiency in the use of Microsoft office tools.
• Possession of multi-lingual skill.
REQUIRED ACADEMIC AND PROFESSIONAL QUALIFICATION
• Bachelor’s degree in Education especially Early Childhood Education or in Educational Planning and Management from an accredited University. A certificate in Early Childhood Education will be an added advantage;
• Training in health and Safety Procedure (First Aider)
• A professional certification in Accounting is an added advantage.
METHOD OF APPLICATIONS
Interested candidates should forward their resume on or before August 14, 2015 to: munasaj@yahoo.com

2
OCC/230715/PC
Job Title: Professional Caregiver
This position reports the Administrative Officer
This is a full-time position that runs from Monday through Friday. Salary is very competitive and negotiable. OCC is an equal opportunity Employer.
JOB ROLE
Caregiver
DUTIES AND KEY RESPONSIBILITIES

• Assist lead teacher with curriculum development and lesson planning activities;
Plan activities as per the curriculum;
Observe infants for adjustment or behaviour issues;
• Introduced a toilet training program for toddlers which brought about 80% more success than the original program;
• Perform administrative duties such as organizing, labeling classroom materials, display of children’s work, setting up classroom learning environment, prepare and maintain children’s developmental portfolio;
• Developed and implemented the core curriculum for infants/toddlers in the absence of the lead teacher;
• Attend to the children’s basic needs such as bathing, toileting, washing and nappy changing;
• Take specific instructions from parents regarding food habits and allowable food items where applicable;
• Record information regarding any allergies or problems that children may have and effective ways of dealing with them;
• Prepare food items or feed children food that has been sent with them to the facility;
• Teach kids basic skills such as colors and shapes;
• Assist infants with number and alphabet recognition;
• Read books to small groups of infants/toddlers or the entire class;
• Use flashcards to help infants understand concepts;
• Assist in organizing activities to promote physical, emotional and social wellbeing of infants;
• Lay down rule for proper behavior and control any outbursts with tact and civility;
• Lead activities as crafts and music to introduce infants to the concept of art;
• Observe infants for any signs of disease or discomfort and attempt to make them comfortable;
• Supervise children during outdoor activities to ensure their safety and wellbeing;
• Confer with parents regarding any unusual behaviour on their children’s part and suggest counseling services; &
• Any other duty as may be assigned to you or that will enable you to achieve the goal.

COMPETENCY REQUIREMENTS
The desired candidate must exhibit competencies in the following;
Focus on excellent delivery, a caring spirit and love for children; patience; respect; team spirit, integrity, good communication, creativity, innovative, marketing skill and knowledge of regulatory law. Be approachable & personable; cheerful, pleasant, prayerful, energetic; hygienic; smart and disciplined.

REQUIRED EXPERIENCE
• A minimum of 3 years of hands-on (cognate) experience.
• Possession of multi-lingual skill is an added advantage.
REQUIRED ACADEMIC AND PROFESSIONAL QUALIFICATION
Minimum of WAEC/GCE/NECO with six credits.
A certificate in Early Childhood Education will be desirable.
Must have a certificate in First Aid or health work experience.
Proficiency in the use of Microsoft office tools.
METHOD OF APPLICATIONS
Interested candidates should forward their resume on or beforeAugust 14, 2015 to: munasaj@yahoo.com




3
OCC/230715/TCH
This position reports to the Administrative Officer
This is a full-time position that runs from Monday through Friday. Salary is very competitive and negotiable. OCC is an equal opportunity Employer.
JOB ROLE
Teaching/Assisting the Administrator
DUTIES & RESPONSIBILITIES

• Develops, weekly plans, and implements age appropriate and individual need curriculum (lesson plan) to nurture and stimulate all domains of children’s development in their care;
• Organize, implement and facilitate age-appropriate activities designed to promote physical, cognitive, social and emotional development;
• Collaborate with other teachers and administrators in the development, evaluation, and revision of preschool programs;
• Provides a developmentally appropriate classroom environment that reflects the children’s learning and growth;
• Perform administrative duties such as organizing, labeling classroom materials, display of children’s work, setting up classroom learning environment, prepare and maintain children’s developmental portfolio;
• On an on-going basis, plans, evaluates and improves the physical environment in the classroom to create opportunities to meet the changing needs of the developing child;
• Provides responsive care to all children by adapting daily care giving routines and plans to the interests and needs of the individual child and the group;
• Prepares developmental progress reports as needed;
• Demonstrates cultural competency and respect for the child's background by incorporating the cultural, linguistic and familial values and beliefs into the childcare program and lesson plans;
• Exchanges information and serves as a member of a multi-disciplinary intervention/prevention team;
• Completes child transition and orientation of the classroom with parents;
• Maintains ongoing, open communication with parents, families, caregivers and other employees;
• Provides a classroom environment that encourages parent participation;
• Ensures that each family receives an opportunity to build strong relationships and experience clear communication with teaching staff;
• Plan periodical parent conferences to discuss children's developmental progress, needs and interests;
• Liaison with children's families to ensure smooth transition from home to child care setting and one grade to another;
• Maintain accurate, complete and timely records; Completes daily attendance;
• Maintains up to date emergency forms, curriculum plans, individual child development profile and other records as needed;
• Completes and reports any symptoms of child abuse to Administrator;
• Completes daily health checks regarding hygiene, safety, and overall well-being of the children;
• Assist with the supervision of staff and volunteers for child care setting;
• Ensures that the Associate Teacher and Assistant Teachers are kept updated in all matters concerning the classroom and program, i.e. Lead Teacher Meetings, lesson plans, policies & procedures, training received;
• The Early Education Lead Teacher is responsible for the academic, social-emotional growth and development of all children in their care, which may include toddlers and/or preschool age children;
• Develops partnerships with birth parents/child’s caregivers to engage and encourage parent participation in program;
• Lead Teacher is also responsible for assuring compliance with codes regulations; and works collegially with other staff members of Oaknut Children's Centre;
• Completes yearly performance evaluations;
• Provides functional training and guidance to staff, interns, substitutes and volunteers assigned to the classroom;
• Reports all staffing and classroom concerns to Administrator in a timely manner;
• Reports family changes in schedules and excessive absences to administrator in a timely manner;
• Participate in on-going in-service and educational development opportunities provided by the centre;
• Participate in ongoing development and evaluation of center’s goals and objectives;
• Staff must believe in and act in accordance with both the centre's and the program's mission statements;
• In accordance with our "team" philosophy, the person filling this position may occasionally be required to carry out or assist with other tasks in addition to the duties listed on this job description;
• All employees, regardless of position, serve as role models for children and adolescents who are served by our centre, therefore, each employee must at all times be emotionally stable and able to function effectively with children, parents, families and community who may have mental or behavioral health problems;
• The staff must be able to demonstrate appropriate daily behavior, appropriate expression of emotions, as well as appropriate role modeling;
• Not required to be hostile, aggressive, emotionally inappropriate or get physical;
• Often required to stand and sit; reach with hands and arms; and stoop, kneel, crouch, bend, squat or crawl;
• Should be able to lift and carry up to 25 pounds and in case of emergency a 40 pound child;
• To create and plan fund-raisings events
• Assist children in exploring, manipulating and using instructional materials to gain knowledge; Indulge in imaginative play with preschoolers in a bid to keep them busy &
• May occasionally be required to drive a motor vehicle.

SKILLS, KNOWLEDGE, APTITUDE AND EXPERIENCE REQUIRED
The desired candidate must exhibit SKA & E in the following;
Enthusiasm for working with children; Experience of having kept written records of children’s achievements including observations; Excellent delivery skills; Leadership skills; Understanding and recognition of the principles of equality and diversity; Courage to challenge; Team spirit; creative, Innovative & Professionalism, Communication skill, Negotiation Skills; Multi-tasking skills; Information analysis and management skill; Listening ability; Ability to promote and market the service to the wider community; Ability to take key decisions; Ability to self-evaluate learning needs and actively seek learning opportunities; Knowledge of regulatory law and ability to maintain confidentiality at all times. Patience, energetic, gentleness and Love for children. Be aapproachable & personable, cheerful, respectful, pleasant, prayerful, kind and helpful.

REQUIRED EXPERIENCE
• A minimum of 2 years of cognate experience.
• Possession of multi-lingual skill.
• Proficiency in the use of Microsoft tools.

REQUIRED ACADEMIC AND PROFESSIONAL QUALIFICATION
• BA Degree with specialization in Child Development or Early Childhood Education
• A certificate in Early Childhood Education in addition to a degree in any Education course will be acceptable.
• Must have a certificate in First Aid or evidence of hands-on in safety and health matters.

METHOD OF APPLICATIONS
Interested candidates should forward their resume on or before, August 14, 2015 to: munasaj@yahoo.com